Leroy's Blog

Super Bowl Sunday

Leroy Dunson (N/A) — Fri, 01 Feb 2008 11:08:16 -0600

A man had tickets for 50-yard line seats for the Super Bowl. As he sits down, a young man comes down and asks if anyone is sitting in the seat next to him.

"No," he says, "The seat is empty."

"This is incredible," says the young man. "Who in their right mind would have a seat like this for the Super Bowl, the biggest sporting event in the world, and not use it?"

He says, "Well, actually, the seat belongs to my wife, but she passed away. This is the first Super Bowl we haven't been together since we got married in 1970."

"Oh...I'm sorry to hear that. That's terrible. But couldn't you find someone else, a friend or relative, or even a neighbor to take the seat?"

The man shakes his head. "No, they're all at the funeral."

Something More

Leroy Dunson (N/A) — Tue, 29 Jan 2008 10:50:17 -0600

After thirty-two years of working in the public sector, three fantastic years of retirement, and years of trying to develop a consistently respectable golf game, I determined I needed something more to occupy my time. A career in real estate, I thought, would be a great way to meet and interact with people, to get outside and enjoy the great outdoors, and to assist people with their real estate desires.

I enrolled in real estate classes in an attempt to prepare for the California Real Estate examination. After studying and trying to keep pace with the younger people in those classes, the time has come for me to display what I have learned (final exam). It is my hope that I have retained enough to impressively perform during the final examination, satisfy the requirements for the state examination, and as importantly, not embarrass myself. It has proven to be a challenging and rewarding experience. I've had the opportunity to meet, study with and learn from some dedicated real estate professionals.

I hope my future communication is one that reports I've accomplished my objectives.

To My Surprise

Leroy Dunson (N/A) — Tue, 29 Jan 2008 09:54:30 -0600

As the result of a recent lecture, it is my understanding that architects receive the lowest pay in the building industry. It's rather difficult to believe that the professional that designs buildings, and advises relative to and guides a plan or undertaking in the construction of buildings, pay is near the bottom of the scale. It was reported that few of the persons that enter college to study architecture remain in the profession. It was said that due to liability, and other overhead factors it is better for an architect to engage in the business activity of consulting or as an independent contractor, than to open and operate his/her own business.

Request for Reconsideration of Value

Leroy Dunson (N/A) — Tue, 29 Jan 2008 09:29:24 -0600

Although appraisers try to be objective, subjective considerations are part of every appraisal. In the end, the appraiser's conclusions are only opinions of value. If you get a low appraisal and you genuinely believe the appraiser is mistaken, you can appeal the appraisal by submitting a request for reconsideration of value to the lender. With the proper documentation, you may be able to get the appraised value increased, possibly to the figure that the buyer and settler originally agreed.

The Gospel According to St. Titleist

Leroy Dunson (N/A) — Sun, 27 Jan 2008 16:36:26 -0600

1. Eighteen holes of match play will teach you more about your foe than eighteen years of dealing with him across a desk. - Grantland Rice

2. Golf appeals to the idiot in us and the child. Just how childlike golf players become is proven by their frequent inability to count past five. - John Updike

3. It is almost impossible to remember how tragic a place the world is when one is playing golf. - Robert Lynd

4. If profanity had any influence on the flight of the ball, the game of golf would be played far better than it is. - Horace G. Hutchinson

5. They say golf is like life, but don't believe them. Golf is more complicated than that. - Gardner Dickinson

6. If a lot of people gripped a knife and fork as poorly as they do a golf club, they'd starve to death. - Sam Snead

7. Golf is a day spent in a round of strenuous idleness. - William Wordsworth

8. If you drink, don't drive. Don't even putt. - Dean Martin

9. If you are going to throw a club, it is important to throw it ahead of you, down the fairway, so you don't have to waste energy going back to pick it up. - Tommy Bolt

10. Man blames fate for all other accidents, but feels personally responsible when he makes a hole-in-one. _ Bishop Sheen

11. I don't say my golf game is bad, but if I grew tomatoes they's come up sliced. - Arnold Palmer

12. My handicap? Woods and irons. - Chris Codiroli

13. The ardent golfer would play Mount Everest if somebody would put a flag stick on top. - Pete Dye

14. I'm hitting the woods just great; but having a terrible time getting out of them! - Buddy Hackett

15. The only time my prayers are never answered is playing golf. - Billy Graham

16. If you think it's hard to meet new people, try picking up the wrong golf ball. - Jack Lemmon

17. It's good sportsmanship to not pick up lost golf while they are still rolling. - Mark Twain

18. Don't play too much golf. Two rounds a day are plenty. - Harry Vardon

20. If I hit it right, it's a slice. If I hit it left, it's a hook. If I hit it straight, it's a miracle. - All of Us Hackers

21. The difference in golf and government is that in golf you can't improve your lie. - George Deukmejian

22. Golf is a game invented by the same people who think that's music coming out of a bagpipe. - Lee Trevino

What functions does the Notary Signing Agent perform?

Leroy Dunson (N/A) — Sun, 27 Jan 2008 16:05:52 -0600

The Notary Signing Agent meets with the borrower at a designated location, ensures that the borrower signs, initials and dates loan documents in all appropriate places and notarizes the borrower's signature. Once this is completed, it is Notary Signing Agent's responsibility to see that the signed and notarized loan documents are delivered to the closing agent or other designated office.

Credit Reporting Agencies

Leroy Dunson (N/A) — Fri, 25 Jan 2008 22:35:00 -0600

There are three main credit reporting agencies used by the mortgage industry. It is necessary to contact one of them to obtain a credit report, along with your credit scores, and make a credit check of your credit history. You will need to go through the process of obtaining a credit report on yourself and your spouse, if you have one. The credit score contained within the credit report is used to determine your credit worthiness.

The three leading credit reporting agencies that you can choose from to obtain your credit history report are listed below:

Equifax Information Services P.O. Box 740241 Atlanta, GA 30374-0241 1-800-378-2732

Trans Union Corporation P.O. Box 390 Springfield, PA 19064-0390 1-800-916-8800

Experian P.O. Box 9701 Allen, TX 75013 1-888-397-3742

Funeral Procession

Leroy Dunson (N/A) — Fri, 25 Jan 2008 22:20:59 -0600

A woman was leaving a convenience store with her morning coffee when she noticed a most unusual funeral procession approaching the nearby cemetery.

A long black hearse was followed by a second long black hearse, about 50 feet behind the first one. Behind the second hearse was a solitary woman walking with a bull terrier (pit bull) on a leash. Behind her, a short distance back, were about 200 women walking in a single file.

The woman couldn't stand her curiosity. She respectfully approached the woman walking the dog and said, "I am sorry for your loss, and I know now is a bad time to disturb you, but I've never seen a funeral like this. Whose funeral is it?"

"My husband's."

"What happened to him?"

The woman replied, "My dog attacked him and killed him."

She inquired further, "Well, who is in the second hearse?"

The woman answered, "My mother-in-law. She was trying to help my husband when the dog turned on her."

A poignant and thoughtful moment of silence passed between the two women.

"Can I borrow the dog?"

"Get in line!"

A Woman's Prayer

Dear Lord, I pray for:

Wisdom, to understand a man;

Love, to forgive him; and

Patience, for his moods;

Because, Lord, if I pray for

Strength, I'll just beat him to death.

AN ANONYMOUS WOMAN

Secondary Financing

Leroy Dunson (N/A) — Fri, 25 Jan 2008 21:01:59 -0600

Sometimes a buyer may want to get two loans at the same time. One of the loans is a primary loan for most of the purchase price, and the other is used to pay part of the downpayment or closing costs required for the first loan. The second loan is referred to as secondary financing.

Secondary financing can come from a variety of sources. It may come from the same lender who is making the primary loan, it may come from a second lender, it may come from the seller, or it may come from a private third party.

A lender making a primary loan will usually place restrictions on the type of secondary financing arrangement the borrower may enter into. The borrower generally must be able to qualify for the combined payment on the primary and secondary loans. And in most cases the borrower will still be required to make at least a minimum downpayment out of his own funds.

Laugh & Grow Old....

Leroy Dunson (N/A) — Fri, 25 Jan 2008 09:37:51 -0600

Mid-life is when you go to the doctor and you realize you are now so old, you have to pay someone to look at you naked....

You know you are getting old when you feel bad in the morning....without having any fun the night before!

Laugh a little each day...it's better than chicken soup. At least, that's what the chickens say...

A man in his early forties recently said, "Everybody over fifty has some kind of ache and pain, and takes some type of medication....!"

Married Four Times

Leroy Dunson (N/A) — Thu, 24 Jan 2008 23:52:49 -0600

An eighty year old lady was being interviewed by the local news station because she had gotten married - for the fourth time.

The interviewer asked her questions about her life, about what it felt like to be marrying again at 80, and then about her new husband's occupation. "He's a funeral director," she answered. "Interesting," the newsman thought. He then asked her if she wouldn't mind telling him a little about her first three husbands and what they did for a living.

She paused for a few moments, needing time to reflect on all those years. After a short time, a smile came to her face and she answered proudly, explaining that she'd first married a banker when she was in her early 20's, then a circus ringmaster when in her 40's, later on a preacherman in her 60's, and now in her 80's, a funeral director. The interviewer looked at her and asked why she had married four men with such diverse careers.

She smiled and explained, "I married one for the money, two for the show, three to get ready, and four to go."

Cruise Control

Leroy Dunson (N/A) — Thu, 24 Jan 2008 23:27:17 -0600

I was in a car dealership a while ago, when a large motor home was towed into the garage. The front of the vehicle was in dire need of repair and the whole thing generally looked like an extra in"Twister." I asked the manager what had happened. He told me that the driver had set the "cruise control" and then went in the back to make a sandwich.

Dispute Resolution

Leroy Dunson (N/A) — Wed, 23 Jan 2008 21:12:38 -0600

Mediation and arbitration are frequently are frequently confused. In mediation, a neutral party helps both parties find a mutually satisfactory solution; the mediator does not impose a solution on the parties. By contrast, arbitration is overseen by a third party (usually a retired judge) who hears evidence and then issues a decision that is binding oh both parties. The advantage that arbitration has over a lawsuit is that it can resolve a case much more quickly than the court system generally can.

Maybe

Leroy Dunson (N/A) — Wed, 23 Jan 2008 09:55:16 -0600

Maybe God wants us to meet a few wrong people before meeting the right one, so that when we finally meet the right person, we will be so grateful for that gift. When the door of happiness closes, another opens, but oftentimes we look so long at the closed door that we don't see the one which has been opened for us. The best kind of friend is the kind you can sit on a porch and swing with, never saying a word, and then walk away feeling like it was the best conversation you've ever had. It's true that we don't know what we've got until we lose it, but it's also true that we don't know what we've been missing until it arrives.

Giving someone all your love is never an assurance that they'll love you back! Don't expect love in return, just wait for it to grow in their heart, but if it doesn't, be content it grew in yours. It takes only a minute to get a crush on someone, but it takes a lifetime to forget someone.

Don't go for looks, they can deceive. Don't go for wealth, even that fades away. Go for someone who makes you smile because it takes only a smile to make a dark day seem bright. Find the one that makes your heart smile. There are moments in life when you miss someone that you just want to pick them from your dreams and hug them for real! Dream what you want to dream, go where you want to go, be what you want to be, because you have only one life and one chance to do all the things you want to do.

May you have enough happiness to make you sweet, enough trials to make you strong, enough sorrow to keep you human, enough hope to make you happy. Always put yourself in other's shoes. If you feel that it hurts you, it probably hurts that other person, too. The happiest of people don't necessarily have the best of everything; they just make the most of everything that comes along their way. Happiness lies for those who cry, those who hurt, those who have searched, and those who have tried, for only they can appreciated the importance of people who have touched their lives.

Love begins with a smile, grows with a kiss and ends with a tear. The brightest future will always be based on a forgotten past, you can't go on well in life until you let go of your past failures and heartaches. When you were born, you were crying and everyone around you was smiling. Live your life so that when you die, you're the one who is smiling and everyone around you is crying.

Funny

Leroy Dunson (N/A) — Mon, 21 Jan 2008 18:37:28 -0600

When the pastor asked if anyone in the congregation would like to express Praise for answered prayers, a lady stood and walked to the podium.

She said, "I have a Praise. Two months ago, my husband Jim had a terrible bicycle wreck and his scrotum was completely crushed. The pain was excruciating and the doctors didn't know if they could help him."

You could hear an audible gasp from the men in the congregation as they imagined the pain poor Jim experienced.

She continued, "Jim was unable to hold me or the children and every move caused him terrible pain. We prayed as the doctors performed a delicate operation. They were able to piece together the crushed remnants of Jim's scrotum and wrap wire around it to hold it in place."

Again, the men in the congregation squirmed uncomfortably as they imagined the horrible surgery performed on Jim.

She continued, "Now, Jim is out of the hospital and the doctors say, with time, his scrotum should recover completely."

All the men sighed with relief.

The pastor rose and tentatively asked if any one else had anything to say.

A man rose, walked to the podium, and said, "I'm Jim, and I want to tell my wife - once again - the word is STERNUM."

Author Unknown

Funny

Leroy Dunson (N/A) — Mon, 21 Jan 2008 18:23:59 -0600

When the pastor asked if anyone in the congregation would like to expres Praise for answered prayers, a lady stood and walked to the podium.

You could hear an audible gasp from the men in the congregation as they imagined the pain that poor Jim experienced.

Again, the men in the congregation squirmed uncomfortably as they imagined the horrible surgery performed on Jim."

She continued, "Now, Jim is out of the hospital and the doctors say, with time, his scrotum should recover completely."

All the men sighed with relief.

The pastor rose and tentatively asked if any one else had anything to say.

A man rose, walked to the podium, and said, "I'm Jim, and I want to tell my - once again - the word is STERNUM."

Arthor Unknown

"I Wish for You..."

Leroy Dunson (N/A) — Sun, 20 Jan 2008 21:52:03 -0600

I wish for you... Comfort on difficult days; Smiles when sadness intrudes; Rainbows to follow the clouds; Laughter to kiss your lips; Sunsets to warm your heart; Gentle hugs when spirits sag; Friendships to brighten your being; Beauty for your eyes to see; Confidence for when you doubt; Faith so that you can believe; Courage to know yourself; Patience to accept the truth; and Love to complete your life.

When I Say I'm A Christian

Leroy Dunson (N/A) — Sun, 20 Jan 2008 21:41:37 -0600

When I say..., "I'm a Christian," I'm not shouting, "I am saved." I am whispering, "I was lost." That is why I live this way. When I say..., I am a Christian," I don't speak of this with pride. I'm confessing that I stumble and need someone to be my guide. When I say..., "I am a Christian," I'm not trying to be strong. I'm professing that I'm weak and pray for strength to carry on.

When I say..., "I am a Christian," I'm not bragging of success. I'm admitting that I had failed and cannot ever pay the debt. When I say..., "I am a Christian," I'm not claiming to be perfect, my flaws are too visible, but God believes I'm worth it. When I say..., "I am a Christian," I still feel the sting of pain. I have my share of heartaches which is why I speak His name.

When I say..., "I am a Christian," I do not wish to judge. I have no authority. I only by God I am loved.

Association of Real Estate Professionals

Leroy Dunson (N/A) — Thu, 17 Jan 2008 15:56:30 -0600

As a student in a Real Estate Practice course, I was given the opportunity to amass extra credit by attending a monthly meeting of a Real Estate Association. Words cannot adequately describe how impressed I was with the manner in which they welcomed and accepted prospective professionals into their meeting. They conducted the meeting and themselves very professionally, and they interacted with each other admirably.

There were topics discussed that were of benefit to all in attendance, including the students. They addressed areas of concern that required additional research, collecting information and a follow-up report at their next meeting.

The name of the organization is the Consolidated Board of Realtist. They are located at 3725 Don Felipe Drive, Los Angeles, CA 90008. I am grateful for the ooportunity to have attended the meeting, and to have observed real estate professionals meet, exchange ideas and information, and socialize with each other.

Idiot Sighting

Leroy Dunson (N/A) — Thu, 17 Jan 2008 13:29:53 -0600

The following is purported to be true:

A couple had to have their garage door repaired. The repairman from a nationwide retail chain told them that one of their problems was they did not have a "large" enough motor on the opener. The wife thought for a minute, and said, "We have the largest opener the company makes, a 1/2 horsepower. "The repairman shook his head and said, "Lady, you need a 1/4 horsepower." She responded, "1/2 is larger than 1/4." He said. "No, it's not. Four is larger than two...."