Geoffrey's Blog

Tankard Fellowship Tuesday the 10th

Davis Family Lending, LLC — Tue, 10 Nov 2009 10:05:37 -0600

Been on a mission trip lately? Ever wanted to go and been a bit hesitant of how you could? Get your questions ready as tomorrow night at Tankard Fellowship there will be a few folks you can ask.

·         Getting away from work that long
·         What to bring
·         What you will lose while on the trip
·         What not to bring
·         Will your family let you go
·         Do you bring gifts for those you are heading to mission to
·         Do you try and bring a laptop and fit in some work
·         Where do you stay while away
·         What do you eat

A group just came back from going to Peru - they would be happy to share with you what to expect for when you are called next.

Hope to see you, 8:30pm 2nd Tuesday of each month,

Geoffrey-

Tankard Fellowship is a Monthly men's event held on the 2nd Tuesday with an 8:30pm start time at Lochrann's Irish Pub. The idea is simple, Christian men connecting over a pint. It started in June, 2008.

"All participants in any Tankard Fellowship event shall assume full and complete responsibility for any injury or accident which may occur during or arising from their participation in the event. All participants hereby release and hold harmless Tankard Fellowship and its individual organizers and promoters from all liability."

St. Philip's Men's Group 6th Annual Polar Bear Golf Tournament

Davis Family Lending, LLC — Tue, 10 Nov 2009 09:59:48 -0600

Join the men of St. Philip's and their guests' to be a part of this year's "Polar Bear Golf Tournament". Enjoy the fellowship of one another with lots of laughs and a little competition on Saturday December 5th - Shotgun start at 12:00 p.m, 4man Scramble. Westridge Golf Course. $63.00 - Includes, green fee, cart, prizes, practice facilities, dinner afterwards.

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

Geoffrey is the "Frisco Mortgage Guy"!

cell phone applications

Davis Family Lending, LLC — Tue, 10 Nov 2009 09:58:46 -0600

So do you have a cell phone that lets you load and use applications, called apps? I have the iPhone (though Julie still calls this my aPhone) and I have some great apps, 7 pages of them. Here is what is on my main page, Safari web browser, calendar, To Do's, iPod, Facebook, Tweetie, Bible Verses, iTalk to God, Birthday Cal, Echofon (2nd Tweet- this one for the Frisco cycling club) Camera, The Weather Channel, foursquare, LiveStrong, News Fuse and Pandora.

And my new favorite app is the LiveStrong as it is my work out log and calorie counter. Ever since mom came down to help us with the twins and her comments about my gain in weight did I really take notice that I was putting on a few extra LBS. With this app I can see how crappy I eat and that working out truly does help!

Have a favorite app you are using- do tell-

Geoffrey Davis
214-529-9622

Find out why I am called The Frisco Mortgage Guy!

Frisco Needs Safe Passing for Vulnerable Road Users

Davis Family Lending, LLC — Tue, 10 Nov 2009 09:56:26 -0600

In June 2009 SB 488, the "Safe Passing" bill that would have created a safe zone of three feet around vulnerable road users (including pedestrians, runners, motorcyclists, cyclists, workers and more), was passed in the state of Texas. Similar laws have been passed in many other states including Arizona, Utah, Oklahoma, Colorado and Florida.

"However, the Frisco Cycling Club received an alert concerning the bill on the day that it was to have been signed into law by Governor Perry that he was going to veto it. We immediately went on the offensive and alerted our members and friends to email or call his office and let him know how important this bill was to many Texans," said Geoffrey Davis, president of Frisco Cycling Club. Click here to continue with this article.

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

Geoffrey is the "Frisco Mortgage Guy"!

It was over 5 years ago

Davis Family Lending, LLC — Tue, 10 Nov 2009 09:53:21 -0600

It was over 5 years ago, my church; St. Philip's Episcopal was still meeting in Bright elementary school. A team of us rotated to set the church up each Sunday morning and then break it down and store it for next week. It was on one of those Sunday early mornings that I was on shift and my set up partner, Grady Lesser had just two words for me, Baby Wise and a minivan. You see, Lucas had just been born a few days earlier and I must have been looking not so rested. And his comments were taken to heart- Baby Wise is a great guide book for new parents and one we like to send to expecting parents. But his comments about the minivan came to light this last weekend at the soccer game for Lucas. I was on the passenger side unloading Seth and the twins and I hear a thud, then a 2nd one. I look over and sure enough- the car next to me was putting it to the ManVan. And they were set to keep loading and do nothing until I ask, "How bad is it?" Surprised as they did not know anyone was around, let alone the owner. So here is what I have to say to you parents with youngsters- read Baby Wise and stop letting your kids fling open their doors and bang my van unless you plan to leave me a note and fix it.

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

Geoffrey is the "Frisco Mortgage Guy"!

I rode my bicycle with Lance Armstrong

Davis Family Lending, LLC — Tue, 27 Oct 2009 15:35:48 -0500

I rode my bicycle with Lance Armstrong this weekend, and many of you helped me do that. This past weekend was the LiveStrong Challenge in Austin, TX that many of you graciously donated towards the team we put together to ride the event. Seven of us from the Frisco Cycling Club (FCC) raised $3310 and rode for our teammate's brother as he lost his fight to cancer 2 years ago. Our teammate is Jeff Ellis and he, I and a few others were the driver behind getting the FCC to where it is today- a community focused cycling club that has a larger goal than just riding a bike. Jeff's brother Tom was diagnosed with cancer but did not let that slow him down and he and Jeff road many miles and events together. I was proud to be part of this group and can't wait for next year, maybe you will join the club and ride with us?

Upgrades

Davis Family Lending, LLC — Tue, 27 Oct 2009 15:33:25 -0500

Over the past few weeks, we've been talking about what kind of improvements can help add real value to your home in today's market. I'm not sure about you, but with four children ages five and under, Julie and I don't have a ton of time to figure out what will appeal to the masses.

So how do you figure out what's hot and not? Since we have still have an array of model homes in the area it's good to go check out the price range in which you would sell your house as well as one level up. For instance, if you think you'd want to sell your home for $250k, it would be a good idea to see what builders are offering in that range and the $300k range. This will help you understand what's standard at that price range and what you have in your home that would be noted as an upgrade. By looking at the next price bracket, it will also give you some ideas around what you can do to help make your home feel like a more expensive home helping to give you an edge over a new home.

Some great places to find the location of model homes in your area is move.com which includes a new home search engine that will help link you to builders' sites. Another way to see what homes in your range offer is by checking out what's currently listed on Realtor.com. Finally, home improvement and design sites, like those listed below, will help you give you ideas around current trends and some things you can do to improve your home.

HGTV, Southern Living, Fine Living and Home and Design

Best of luck in all your home improvement efforts-let me know how it goes.

Race Across the Sky

Davis Family Lending, LLC — Thu, 15 Oct 2009 08:25:51 -0500

That is the title of a documentary about this year's Leadville 100 bicycle race. You may remember reading the news that this year Lance Armstrong won the event. It will be shown on October 22nd at 7pm Cinemark Plano West location. Shown just a few days before the Austin LiveStrong ride and yes, you can still join the FCC team or donate to us.

The date this move is shown is a special milestone for Lance. His cancer was diagnosed on October 2, 1996. "October 2, 1996. The day it all changed. The day I started never to take anything for granted. The day I learned to take charge of my life. It was the day I was diagnosed with cancer." -Lance Armstrong

Geoffrey Davis
FCC President

FriscoCycling.com

p.s. 3 Days on the Track- come watch or race, October 16th, 17th and 18th

p.p.s. There are 4600+ names on this survey via Bike Texas, you there?

National Night Out

Davis Family Lending, LLC — Mon, 12 Oct 2009 17:36:25 -0500

Tuesday, October 13th is a big day here in Frisco. It's the day that Frisco residents participate in National Night Out. Local residents are encouraged to get out of their houses, and into their neighborhoods, to connect and have some fun together. While we'd normally have our Tankard Fellowship on Tuesday, we're going to move this month's fellowship to Monday, October 12 at 8:30p. This way we can still connect with each other as well as participate in our local National Night Out activities.

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

www.DavisFamilyLending.com

God grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference.

Keith Cunningham is Live in Frisco, TX.

Davis Family Lending, LLC — Mon, 12 Oct 2009 17:34:34 -0500

Keith Cunningham is Live in Frisco, TX. November 12, 2009, 8AM - Noon. Keith is an internationally-known speaker who has appeared with industry giants including Harv Eker, Brian Tracy, Tony Robbins and Robert Kiyosaki. Robert Kiyosaki, author of the best-selling Rich Dad, Poor Dad, acknowledges Keith in the forward for his "financial wisdom and inspiration."

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

www.DavisFamilyLending.com

God grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference.

Tell me what you really think honey

Davis Family Lending, LLC — Mon, 12 Oct 2009 17:32:26 -0500

Over the weekend we had an awesome event for the Frisco Cycling Club (FCC). A day at Frisco Fire Safety Town. If you have not been there yet you need to click here, find their hours and take your kids over. Also they will have a large trick or treat event on October 23rd from 6-9, a free event for the City of Frisco.

I feel compelled to share with you a new term Julie coined this weekend. It was before we left for the event and I had my FCC t-shirt on, she mentioned it would be a better for me to leave it untucked. Many of you might have heard the term, "muffin top" when your jeans are a bit tight. Julie called my look a "wrap around porch". Seams I have been away from the bike a bit too long and am an easy target. It was so bad I literally had a nightmare about that term last night. So if you see me eating unhealthy foods, please remind me to go and work out later.

Geoffrey Davis
214-529-9622

Davis Family Lending, LLC

Here are some notes from my friend and Frisco City Councilman's day on the bike.

Davis Family Lending, LLC — Mon, 12 Oct 2009 17:08:08 -0500

Here are some notes from my friend and Frisco City Councilman's day on the bike. He made me a promise to be in a Frisco jersey the next time he rides a bike. I have some cycling friends (you know who you are Geoffrey Davis and Bill Woodward) who have been trying to get me out to join them in the Frisco Cycling Club. Problem is, I only ride a bike around the neighborhood with my kids and probably have never gone further than a few miles.

I was invited to represent Frisco in the Make-A-Wish 100 wish Bike Ride (Maher Maso was out of town....how convenient!). This was a first year event to raise money to grant 100 wishes and over 1,000 cyclists turned out. They had mapped out a 10 mile course for myself and Plano Mayor Phil Dyer and McKinney Mayor Brian Loughmiller. Members of the Legacy Riders club rode with us for encouragement.

After the 10 mile marke, my rider coaches challenged me to make the 30 mile mark. The last mile felt like it was straight uphill but well worth the struggle. It was a great event and I hope it can kickstart me to finally join the Frisco Cycling Club on some rides!

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

www.DavisFamilyLending.com

God grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference.

Where are we in the market today?

Davis Family Lending, LLC — Mon, 12 Oct 2009 17:03:58 -0500

Last week I was able to attend a seminar featuring Steve Harney, one of the leading experts in the real estate industry. I was invited by one of my good friends - Sammy Garner. Sammy and I are in the same industry and have been friends for years. He was kind enough to not only invite me but to provide my ticket because he knew there would be information of value for us both.

A secondary benefit of the seminar was the opportunity to sit at the table with a Plano real estate legend - Mike Brodie of Keller Williams. Mike is not only a speaker and seminar presenter on real estate issues; he is also one of the best producing realtors in the North Texas market.

According to Mr. Harney, in 10 years there will be people sitting down and talking about the market of 2009...saying that 'I could have done it....I should have done it'...talking about 'if I had bought that house'....Basically he's saying that prices are at their low and at some point they will begin to head back up, maybe not tomorrow, but pretty soon. He believes that there are many properties that are very distressed and that now is one of those times that people should buy so that in ten years they can be looking at the investment that they made instead of a missed opportunity. He said that in six months agents will be looking back at the help they had in selling houses from the tax break the government has given and from the low interest rates. It is an unbelievable time to be in real-estate and the agents in the business today should see an unbelievable year.

In discussing foreclosures, Mr. Harney said that 20% of Texas homeowners' value is under water. In other words, one in five Texans' home value is below their mortgage amount. The percentage is even worse nationwide: in 35% of occupied homes the mortgage is now greater than the value. He spoke at length about foreclosures and said that he has found that 25% of the homes that have gone into foreclosure have been strategic foreclosures. In other words, these are people who have made their mortgage payments without a hitch for years but have recognized that they are now so upside down in their property that it becomes a good business decision to allow it to go into foreclosure. His studies are showing that the higher the person's FICO score is, the more likely that they will make such a strategic move.

Mr. Harney's advice for Realtors was that they should strive to be the 'expert' in their market and be able to answer the questions about foreclosure, short sales, etc. Although it will be a challenge to predict the future of real estate, it is important for them to be the people with all the answers. Steve's view is that Realtors and the housing industry will have the largest impact on the economy for 2010, let's hope he is right!

Geoffrey Davis

Davis Family Lending, LLC

214-975-1266- fax

214-529-9622- cell

www.DavisFamilyLending.com

God grant me the serenity to accept the things I cannot change, the courage to change the things I can, and the wisdom to know the difference.

Had the swine flu yet?

Davis Family Lending, LLC — Wed, 07 Oct 2009 12:23:25 -0500

One thing you will learn when you go in for the test, they never really say if you have it- just that you tested positive for influenza and that is one of the strands. So we received an e-mail from Lucas school on Monday warning that many of the children at the birthday party that weekend were showing flu like symptoms. Sure enough, Tuesday evening comes along and he has a temp of 104 deg. Our pediatrician also gave a prescription for our 2 year old as a preventative measure. Lucas had a tough 1st day of us quarantining him in the upstairs game room but then came to love the freedom he had over the remote and his toy choices, always good to not have to share with your younger brother. All are well, healthy and awaiting the next new bug to hit the schools.

Geoffrey Davis
214-529-9622

Davis Family Lending, LLC

We're making some maintenance related repairs in addition to considering several updates.

Davis Family Lending, LLC — Wed, 07 Oct 2009 12:22:11 -0500

Last week I mentioned that Julie and I have a home that has hit the 10-year mark-which means that it's officially no longer a "new" home by Frisco's standards. We're making some maintenance related repairs in addition to considering several updates. I solicited feedback a few weeks ago and have received some great responses that I wanted to share.

Jeff Cheney of Keller Williams has some advice, as well as suggesting home owners reference available online resources, to help them understand the potential rate of return on various improvements.

According to HGTV, five improvements deliver the best returns:

*102%: Minor Bathroom remodel which includes updating such things as replacing flooring, reglazing the tub, replacing fixtures/lighting and updating shower doors.
*100%: Landscaping
*98.5%: Minor Kitchen remodel, which includes refacing/refinishing existing cabinetry and updating things like appliances, countertops, sink/faucet and wall finishing
*95.5%: Exterior improvements, including paint, siding and updating an entry
*93.5%: Attic space to bedroom conversion

One may ask that if you can't get all your investment back, why bother to even make the updates? Similar to good home maintenance, buyers expect well priced homes not to need a ton of work. If the perception is that it will take hours to remove Aunt Nellie's wallpaper, replace the shag carpet and refinish cabinetry buyers will be looking for a pricing discount commiserate with the effort and cost of updates.

Cheney offers words of caution to homeowners around what kind of return you can expect for your neighborhood. "Homeowners should keep in mind any home that is over-improved in relation to the surrounding homes is unlikely to yield a high rate of return. It's important to note that if you have the most expensive home on the block, your investment will probably not return as much as the upgrading of a less expensive home nearby."

This is right in line with last week's article that discussed that highly specialized, and often costly, improvements will not always deliver a strong return. Instead, consider the price range and general features of homes in your neighborhood before making any significant updates. While you should certainly makes changes to fit your lifestyle and preferences, it's always a good practice to take a hard look at what percentage of the money spent on these modifications you would see should you ever have to sell.

Next week, we'll talk about what typically does give you the best return on investment and the rate of return you can generally expect.

Who here has a Twitter account?

Davis Family Lending, LLC — Tue, 29 Sep 2009 11:22:12 -0500

Who here has a Twitter account? How often do you check who is following you? You might be surprised and a bit disgusted to see some of the folks who latch on to you. I don't know if it is a computer driving this or an individual, but once a week I find a rather- "shady account" following me. My note to you, check your Twitter followers from time to time and you may have to remove a few.

Frisco Cares Golf Classic

Davis Family Lending, LLC — Tue, 29 Sep 2009 11:20:30 -0500

Frisco Cares Golf Classic, October 8th. Frisco Cares Children's Clinic was created in 2005 to address the growing healthcare needs of uninsured children in Frisco and surrounding communities. Frisco Cares is a low-cost health clinic for uninsured children, 18 and younger, living in or attending school in Frisco, Celina, Prosper, or Little Elm.

Home Upgrades

Davis Family Lending, LLC — Tue, 29 Sep 2009 11:19:26 -0500

Julie and I have a home that has hit the 10-year mark. As many of you know, for whatever reason, homes begin to have issues and start to look a bit dated around that time. A few weeks back I solicited feedback from local realtors around what updates provide the most impact for resale purposes. While many of the changes we'd be looking to make wouldn't be done solely for resale, we always like to consider what would give us the best return as one never knows what may happen in the future.

Brian White of Coldwell Banker says, "Most people are aware that kitchens and baths impact value the most but also cost a lot of money." Instead, Brian recommends considering what you can comfortably do yourself to help control costs. Since labor is often a major component of kitchen and bath work, the more your willing to do (e.g., demolition, tile) the more you can save. He also suggests looking for things that have the most "space coverage" such as paint, new flooring or anything that will impact a substantial amount of visual space or square footage in your home.

Brian also offers words of wisdom to home owners on things that don't add value that one might think do, including:

*Highly specialized or taste specific items that would be highly valuable to a few but not to most home buyers. Brian's examples, which made me laugh, included things like fancy wallpaper, Australian Coastal sea shell sinks, rare Botswana bathroom tile or gold lame curtains from Micheal Jackson's wardrobe. While these might be highly valuable items to the current owners, they are likely to have no value for home buyers.

*Items such as new roofs, HVAC, hot water heaters (especially tankless), although completely necessary, are seen as maintenance items rather than things that increase the value of your home. Home buyers expect these to be present and in good condition on any well maintained home.

*Pools are also something that typically does not give a good return on investment. If home owners are lucky, they might get 50% back on what they spent. It also doesn't make your home worth more the way one might think. If there is a similar house down the street, with a better lot and no pool, they can get as much or more for their home because the lot is better.

Given Brian's advice, my take-aways are that home owners should consider the general appeal of any updates they make. This doesn't mean you should not make your house your own, but it's important to recognize that the more specialized, and personal, your updates are they more likely you are not to receive a good return on your investment or turn-off potential buyers should you have to sell.

Next week, we'll talk about what typically does give you the best return on investment and the rate of return you can generally expect.

This is getting ridiculous.

Davis Family Lending, LLC — Tue, 29 Sep 2009 11:17:27 -0500

This is getting ridiculous. In the past 2 weeks, two of the appraisals we received back for loan transactions we are working on fell short of the estimated value. Please read about what this HVCC law has done to the loan process and consider signing the petition on that site. Your home value might be next.

Hope next week goes better with this system. Just having the hardest time with this new law- are you also?

The below article I wrote and wanted to share with you:

Davis Family Lending, LLC — Tue, 29 Sep 2009 11:16:03 -0500

The city of Frisco has been following a Hike & Bike Master Plan that was developed in 2002. In 2007, the Frisco Cycling Club (FCC) heard that the Master Plan was being amended and that there was a possibility that designated roadways might be eliminated. This was a major concern for members of the Frisco Cycling Club.

While researching the Master Plan, members of the Frisco Cycling Club found that the bike lanes provided in the plan were not cohesive or destination oriented. They did not allow for the establishment of logical bike routes of 5 mile, 10 mile etc. throughout the city and surrounding area. There was also a concern with the development of the Panther Creek roadway and the city recommendation to eliminate the designated street path.

This lead to members of the Frisco Cycling Club attending the City Council meeting that had this item on the agenda. During that meeting the FCC agreed with the city on the issue of the street path on Panther Creek because it would not have segued into a roadway due to the right of way access that was available. Also at that meeting, George Purefoy, City Manager of Frisco, asked city staff to include members of the Frisco Cycling Club as advisors on the re-working of the 2002 Hike & Bike Master Plan.

Members of the FCC developed a comprehensive plan for the establishment of bike routes throughout the city and submitted it to the Parks and Recreation Department. Subsequently, they worked with the Parks and Rec staff to refine the plan and submitted it to the Zoning Commission which approved it and sent it to the City Council. The Council also approved the final plan.

One component of the new plan is a 5 year implementation period. The first part of the plan to be implemented has been the 300 Share the Road signs that you see on the roadways today. The FCC members are very appreciative of the interest and quick action of the Parks & Rec staff and the members of the City Council for all they have done to make the signage a reality.

When asked about the effectiveness of the signs, Geoffrey Davis, President of the Frisco Cycling Club, asked members of the club if they felt safer with the signs. Jeanne Patterson answered: "The signs are a great way to remind motorists that cyclists have a right to be on the roads. Plus, with so many new people moving to Frisco, this is a great way to introduce the best roads for cycling to the many cyclists moving here." Matt Vonderahe replied: "Do I feel safer when riding? Absolutely. Those roads feel like sort of a safe zone where drivers and cyclists both receive a 'public service announcement' in the form of the signs. Sharing the road means just that and we as cyclists must hold up our end of the relationship and be courteous, safe and obey the laws." The note from Clint Richardson said, "Having the signs posted provides a visual reinforcement to the driving public of the rights of cyclists to use the roadways and a sense of legitimacy when cyclists are encountered by motorists on these roadways.

Frisco is a great city to live in but to also get involved with, city staff is eager to have opinions and help from the citizens. I am looking forward to the next 4 years of the implementation of the redesigned Hike and Bike master plan. It will be great to have the family all out for a ride soon!

Here is my buddy Ned Overend

Davis Family Lending, LLC — Sat, 26 Sep 2009 11:07:53 -0500

Here is my buddy Ned Overend (and Weekly Reader) after he took 4th place in the Single Speed World Championships held in Durango, CO last week. 1000 folks from around the World raced in this crazy event. Still find it odd all the strange get up's these riders will wear. Ned stands with Jackie Phelan (on left), an icon in the sport of mountain biking.Here is my buddy Ned Overend (and Weekly Reader) after he took 4th place in the Single Speed World Championships held in Durango, CO last week. 1000 folks from around the World raced in this crazy event. Still find it odd all the strange get up's these riders will wear. Ned stands with Jackie Phelan (on left), an icon in the sport of mountain biking.

Where Do I Sign?

Davis Family Lending, LLC — Tue, 15 Sep 2009 14:57:21 -0500

I am a member of a trade group called National Association of Mortgage Brokers (NAMB). It is an association, like every industry has, that helps to keep the playing field correct and competitive in this market, at least that is my explanation for them. Recently, laws changed on how appraisals can be ordered for residential home loans. Something called the Home Valuation Code of Conduct (HVCC) was introduced a bit ago- just a horrible idea and plan. And it is costing homeowners Billions. This link takes you to a page that has more detail and a petition provided by the NAMB, if once you realize the negative with this new legislation and want to help us make a change, then please sign!

Who was this Paul Harris Guy?

Davis Family Lending, LLC — Tue, 15 Sep 2009 14:52:57 -0500

How about the founder of Rotary in Chicago, IL on February 23, 1905.

Mr. Harris was a young attorney, new to the area and anxious to connect and become more involved with the community. He, along with three other men, founded the Rotary Club of Chicago in 1905. The first meetings of the new group rotated between the offices of the four founders - thus the name Rotary and the wheel logo. When the membership grew too large for their offices, the meetings moved to a restaurant, very much like Randy's Steakhouse where my Frisco Sunrise Club meets at today.

The organization that he began over 100 years ago is dear to my heart and I am proud to be called a Rotarian. It is also a special club for me as my grandfather was a Rotarian, my father is a Rotarian as are my father-in-law and grandfather-in-law. A nice long family history. I hope my children will also enjoy the camaraderie and community involvement it has provided me.

So now we know about Paul Harris, but what is a Paul Harris Fellow? Anyone who contributes or in whose name is contributed a gift of $1,000 or more to the Annual Programs Fund of Rotary may become a Paul Harris Fellow. Each new Paul Harris Fellow receives a commemorative certificate, a Paul Harris Fellow pin, and a medallion. And a month ago I became a Paul Harris Fellow. My friend and fellow club member has given generously over the years and he shared his points with me and a few others, giving us this high distinction in the club. I will be forever in his debt and hope that over my years of service I, too, can give this gift to a member in the future.

You Made My Day!

Davis Family Lending, LLC — Tue, 15 Sep 2009 14:46:56 -0500

2 weeks ago I shared that I was joining some friends and set to participate in the Austin bicycle ride that is promoted by Lance Armstrong's Foundation. I have made my goal for sponsorship and wanted to thank you all who participated and took the time to donate. Thanks so much!

Sure- you can add to it but maybe enter the ride for yourselve! Love to see more bike riders in the world

Wish 100 Bike Rally

Davis Family Lending, LLC — Sat, 12 Sep 2009 21:08:30 -0500

Notes from an e-mail for an event around the corner: Wish 100 Bike Rally to be held in Plano, Texas on Saturday, October 3rd, I would like to invite you and the other members of the Frisco Cycling Club to be a part of history by participating in this inaugural rally benefiting the Make-A-Wish Foundation of North Texas. The mission of the Make-A-Wish Foundation is to grant the wishes of children with life-threatening medical conditions to enrich the human experience with hope, strength and joy. Wish 100 is planned to be a fun day of exercise, good food, and camaraderie for a great cause.