Okay, So we see that the Holidays are right around the Corner, Christmas, Hanuka,You get the Point! Does that mean we should spend what we don't have on Gifts? If someone you know, doesn't appreciate just being with you, or receiving a card as a Gift, then they are not Good to be around in the first Place.
The past year has been tough on just about every person I know, So I could only imagine how it is outside of my Little Box. With the Holidays coming up very Soon, you may feel like you have to spend Money on everyone you know, or else they won't Love You! and thats Incorrect, if someone expects a Gift from you, then they are Wrong. The Holidays just like Thanksgiving, is a time for us to appreciate being with our families, and friends. The Holidays put pressures on the whole world, because we have Labeled the Holidayswith gifts. I understand that it's nice to give, and to Receive, but, "If you don't have it, Then don't spend it" They will understand.
Money has created a Evil sense among the most Honest of People, So lets not feel pressured into spending Money this Season, that we just don't have to spend. I know that most people that I know, have had a ton of money problems, but they still insist on using those Damn Credit Cards, to finance their Spending Habits. Some people can Afford to spend Money like it's Free, because it's not theirs to spend.
How amazing is that? Spent like there is no tomorrow! Cut the spending Now!! and start Saving, it's the best thing to do right now. We don't have a magic way of letting us know, when the times will change for the better, So do whats right for your Family, and Yourself. You have to learn how to Practice what You Preach.
If you insist on Spending then try some of these ideas,
Gift Cards.. Good for one Person or Whole Families
Clothes
Re-Gift something, if you have not used it already
Holiday Cards
Homemade Cakes or Candies
Personal made Gift
Making Holiday, Cakes or Candies, is inexpensive, and Very nice to give as a Gift. Remember it's not the Gift, it's the thought.
Happy Holidays! and Curb the Spending Now!!!! it's Okay.
I know that not everyone likes Ron White, but come on this guy is Funny! I am a Licensed Mortgage Broker Here In West Palm Beach, Florida. Ron White will be Performing at the Sound Advice Amphitheatre, in West Palm Beach, Florida. The above info is available for everyone to Read, Dates, and Performance times are also available. There will be Opening Comedians prior to Ron White coming on Stage.
As a Licensed Mortgage Broker here in West Palm Beach, Florida. I am available for any and all Mortgage Needs that you may Have. Please feel free to call me anytime..
Consumers, It's wake up time.. How many times have we heard someone say, My House is Worth This Much! I know I heard it almost Everyday, and it was a sad Joke that was played on the Entire U.S. Economy. We were convinced that we could use our Homes as Personal Piggy Banks, and we would never Go Broke. Wrong! You jeopardized your Roof over Your Head, and now no one is to blame but Your self.
This is the kind of Image your Children have of their homes,they don't think Money, they think Friends, and School, and because of lack of Responsibility, and Some greed, you have Liquidated your Home of it's most Precious Asset, It's Equity!!! which is, and was your Children's Future, as well as Yours.
I watched a Show last Night, I think it was Suze Orman, I can't remember, but there was a Gentleman who came on the show, and said he inherited $1.2 Million Dollars, he paid off his house, and had Zero Debt. One day he realized that he had No money left, and he said His So Called Mortgage Broker Friend had talked him into Refinancing his House, and basically pulling out all of his Equity, which left him $425,000 in the Hole, and now he is in Fforeclosure. (With Friends like that, Who needs Enemies?) Perfect Example here was that he used up all of his Money, and Now he has used all of his Equity as well.
I had spoken to so many Realtors through Active Rain, and they all seem to have the same View as myself. The sellers of Home "A" want $300,000 for their home, but the Appraisal is only $230,000. These clients Owe $280,000 and they are mad because they want what they want, and said they will find another Realtor that will get them what they want. The problem here is Very Simple, If you as the consumer, Refinanced your Home, or did an Equity Line, and you used the Cash, Then don't expect it back, Because you used it already!! What did you expect, that your home was always going to go up in Value? You are basically Equity Rich and Cash Poor!
Try and accept Responsibility for the actions that you have allowed, and with this you will find that you will most Likely not put yourself in this situation again. Please Remember your Homeis not Your Personal Piggy-Bank..
Call Anytime to Discuss your Financial Needs, Whether it's Purchasing a New Home, Or Lowering the Rate on your Existing home. I am available 7 Days a week..
Consumers, It's wake up time.. How many times have we heard someone say, My House is Worth This Much! I know I heard it almost Everyday, and it was a sad Joke that was played on the Entire U.S. Economy. We were convinced that we could use our Homes as Personal Piggy Banks, and we would never Go Broke. Wrong! You jeopardized your Roof over Your Head, and now no one is to blame but You.
This is the kind of Image your Children have of their homes,they don't think Money, they think Friends, and School, and because of lack of Responsibility, and Some greed, you have Liquidated your Home of it's most Precious Asset, It's Equity!!! which is, and was your Children's Future, as well as Yours.
I watched a Show last Night, I think it was Suze Orman, I can't remember, but there was a Gentleman who came on the show, and said he inherited $1.2 Million Dollars, he paid off his house, and had Zero Debt. One day he realized that he had No money left, and he said His So Called Mortgage Broker Friend had talked him into Refinancing his House, and basically pulling out all of his Equity, which left him $425,000 in the Hole, and now he is in Fforeclosure. (With Friends like that, Who needs Enemies?) Perfect Example here was that he used up all of his Money, and Now he has used all of his Equity as well.
I had spoken to so many Realtors through Active Rain, and they all seem to have the same View as myself. The sellers of Home "A" want $300,000 for their home, but the Appraisal is only $230,000. These clients Owe $280,000 and they are mad because they want what they want, and said they will find another Realtor that will get them what they want. The problem here is Very Simple, If you as the consumer, Refinanced your Home, or did an Equity Line, and you used the Cash, Then don't expect it back, Because you used it already!! What did you expect, that your home was always going to go up in Value? You are basically Equity Rich and Cash Poor!
Try and accept Responsibility for the actions that you have allowed, and with this you will find that you will most Likely not put yourself in this situation again. Please Remember your Home is not Your Personal Piggy-Bank..
Call Anytime to Discuss your Financial Needs, Whether it's Purchasing a New Home, Or Lowering the Rate on your Existing home. I am available 7 Days a week..
It's here againn! The 2007 103.1 The Buzz, Buzz Bake Sale 2007.
Every Year the Buzz Bake Sale Comes to West Palm Beach Florida, and they bring a all day Fun Fest with them. This Year there is a Interesting Lineup, with such bands as,
These are some of the Bands coming to West Palm Beach Florida, to play at the Buzz Bake Sale 2007.
If your in town, or are Heading to West Palm Beach Florida, then make sure to stop by the Sound Advice Amphitheatre, and Enjoy the Buzz Bake Sale 2007.
Okay, so you have someone who said they can do your Mortgage, But is it the right Choice?
I was eating with my wife a couple of days ago, and I overheard a few people talking with their Family. The conversation was fairly simple, but I still couldn't help but to wonder what they were getting at, because they were speaking so Loudly! The one older gentleman was saying how he didn't understand how his son could be in such a Financial Ruin right now, But at the same time he said to My Amazement! That we are just like him, because we are only 1 Paycheck away from disaster Ourselves. The point of this Post! is what he said after the fact. The gentleman began saying that at his Job there was a Guy, who works with him, and who said he can do his Mortgage for him, and he thought he would try and see what he can do. it's true, a straight Part Timer! doing Mortgages from his primary Job!
So with a Jack of all Trades, Are you going to get The Highest Quality of Service you deserve? No!! is the correct answer. There is just to much changing in The Mortgage Market right now, for someone to stay truly involved, unless they do this full time.
I myself, work a Night Part time Job! but I have had this Job for over 12 Years, and Mortgages is what I do Full Time every day period.
This morning I ran into a Guy at Starbucks, and he tapped me on the shoulder to get my attention. I remember this guy as a One time Mortgage Broker, and then he Became an Account Rep for a Bank. He told me that he left the Mortgage Business about a Year ago, and now sells Concrete Walls, But he still writes Mortgages for anyone that needs one. This is when I decided to write this Post! Because I don't think it's possible to work a full time Job, and then Give even 50% to your Mortgage Work. The same thing goes for all of the Phone Solicitors, the majority of them aren't even Licensed Mortgage Brokers, Is this who you want to do your Next Mortgage?
These are the basics that a Mortgage Broker needs to know all of the time...
Current Mortgage Market, and Conditions
Changes in the Mortgage Market (These happen every day now)
Mortgage Rates and Products Available
What Qualifications are Required for Certain Loan Products
How to work with, and Understand Debt Ratios (These are your Debt To Income Ratios, How much Money is Brought in, and How much is Going out) Can you afford your Home?
What Products are Best Suited for You (These are ever changing)
Knowing what Current Loan to Values are being offered, Example: Do you 20% down? or can you do 5% down?
Complete understanding of Credit Reports, and how they are Read, (These change as well)
In Today's Mortgage Market there are too many things Changing, and it's time to Open your Eye's to Reality. It's okay for a Commission Broker to Supplement Income, But they have to have Mortgages at the top of the List of things to do, or else you are not getting Quality Work done for you.
Don't be a Statistic, and Remember You Get what You Pay For!! Don't Skim on your Mortgages, It's not worth the Risk. Here are some other Mortgage Related Posts to Check out, and Rememeber A Full time Mortgage Broker is the only way to go.
The Mortgage Market is full of Reputable Mortgage Brokers, but it's a Commission Business, So look for what seems right for you. Keep in mind that if a Mortgage Broker works for a Bank, they still get Paid Commissions, and Bonuses, So don't Assume the bank is the best way to go.
I am giving a Salute to The Palm Beach County Sheriffs Office. Here in Palm Beach County, We have one of the toughest Police Force in the Country, and I couldn't ask for a Safer Place to Raise My Children. This is the Reason I wish to Salute all of the Palm Beach County Sheriffs Office, for a wonderful Thankless Job that they do everyday, So that my Family can feel safe.
There are many Cities throughout Palm Beach County which are Patrolled by the Sheriffs office. I am a Full Time Mortgage Broker in Palm Beach County Florida, I have been lucky enough to do more than Half of the Loans for the Palm Beach County Sheriffs Office, and they Put me at the top of their list to do their Mortgages. I would say just in the last 7 Years I have done on Average 2-3 Sheriffs Loans a Month, every Month.
The Palm Beach County Sheriffs Office is Run by a wonderful man, whom I have gotten to know, with his Wife Dorothy, His Name is,
Sheriff Ric Bradshaw
.
These are some Other Facts about The Palm Beach County Sheriffs Office for you to Read:
Sheriffs Office Established in 1909
Palm Beach County is the Largest Of 67 Florida Counties
As of 2007 there are 3,815 Palm Beach County Sheriffs Officers
Districts where there are Sheriffs Substations right in the Neighborhoods are,
:West Palm Beach,FL
:Mangonia Park,FL
: North Palm Beach,FL
: Delray Beach,FL
:Royal Palm Beach,FL
: Belle Glade,FL
: Boca Raton,FL
: Wellington,FL
:Lake Park,FL
:South Bay, FL
: Pahokee,FL
This is my way of Recognizing the Palm Beach County Sheriffs Office, and this is also my way of Bragging about a wonderful Sheriffs Office. If you are ever thinking of Moving to Palm Beach County, Know this! you will be Safe.
Okay here is my First, of maybe Two or Three posts that are going to be geared toward Facing Reality, and Fixing the problems instead of Creating them. I don't want to keep seeing this, it's getting Old, and the Mortgage Brokers have taken too much of the fall for this, and it all starts with You!!!
I am a well known Mortgage Broker, here in West Palm Beach Florida. I am also known for my Point blank views, and Attitude, and I am not stopping now!! So if your facing Foreclosure or are in Foreclosure,now is the time to stop with the Bull, and start working on Solutions, One at a time. This is not meant to demoralize you, but it is meant to Open your Freaking eyes! and Educate you, So grab a Pen and Paper. The world is not going to stop and help you and only you, there are to may problems going on, to have the spotlight Aimed on you, and your situation. So lets see, what is the Exact problem, I know! your Priorities are all Messed up, it's time to put them in the right order.
I just recently went through about a dozen different situations, Where the consumer had to face Two choices, and the one they Picked was Ignorant! here they are,
Pay your credit Card Bills..
Or
Pay your Mortgage..
Holy Cow! what is the problem?the answer is right in your face. I will never suggest that anyone pay there bills late, or not pay them at all, But here's the reality! You get solicited to open a credit card from A+ Credit Cards, you accept and start Establishing Debt.. at 29% Interest. Well if these Credit card companies want to drain you of your life, instead of helping, then Just toss them!!! I say to those companies, "If you play with Fire, Then prepare to get Burned" Because I have the Blow torch! and i'm lighting this Sucker up.
Hey! think about this, Your mortgage goes up after the Adjustable period, maybe $500 But you have $700 in Credit Card Debt. The way I look at it, if you pay the Mortgage First, and the Credit Cards last!!! you will not face Foreclosure and put your family on the street. The fact that so many have put all of their other Bills Ahead of their Mortgage, could really account for many of the Current Foreclosures, in todays Market. Thats Just Plain Irresponsible, and Ignorant! stop Now.
Don't Hide, and think we don't know who is giving their home in Foreclosure, but Paying all of their other Bills on time! We know who you are.
Here it is one more Time,
Pay your Mortgage First!!! Before Paying anything Else, because a roof over Your families Head, is more important than paying your Credit card Bills on time. Period, Bottom line.
Pay your Credit Cards Last!!!Wow! how hard is that? who cares right now? I know if I were faced with the Decision, i'm going to pay my Mortgage First!! Period, Bottom Line, because your the responsible one.
I will be writing a few of these, with suggestions on how to better your Situation, and expect them all to be Point Blank, because you don't need a Sweet Talkin, Sugar Coating Mortgage Broker right now! I am not afraid to speak my Mind. I know I need You! the Consumer, But You need me Just The same, So lets work together.
Next up will be, How to Conserve, and be Conservative!!
Money Problems,Illnesses,Fighting!! all of this is just Natural, and there are reasons for it all.
I though about how I was going to write this, because I didn't want to capitalize on God! That's not what I want, So I decided just to write what I felt in my Heart, And what I saw going on around me.
When I was Younger, I grew up very Religious, growing in the Jewish Faith. My father has gotten sick, and had a Massive Stroke, which kept him Partially Paralyzed, and in a wheelchair. When he was in the Hospital one day I remember seeing a Rabbi, and a Priest in my Fathers room saying Prayers. I was a little shocked because being young, I didn't even know that they could be together in the same room, Remember I was young and Naive, and didn't know any different, but they were there together, and I wanted to know more. I asked My Mother why she had a Priest in the Hospital Room with a Rabbi, and she said we need all of the Prayers we can get, in order for my Father to get Better.
There is a Point to every Post of mine, and I want to explain what I'm thinking. My wife's Cousin invited us this Last Sunday to a Local Church here In Palm Beach County, Florida. She wanted us to see her children Sing in the morning Service. This Churches name is Christ Fellowship, and I would say one of the most Beautiful places I have ever seen, They even have multiple churches to visit, but the one I went to was in Royal Palm Beach, Florida. As I sat and listened to the service something really came over me, and I started to relate to what was being said, I had even gotten a Little Jittery. As I sat and listened I noticed little things, like how happy everyone looked, and the things that were said, like God doesn't give you more than you can handle, and I couldn't agree more. In the end I was amazed how welcomed I was there, and how great everyone was.
That Morning I left feeling Very Good! and I wanted to just keep moving, So whether your Jewish,Christian,Catholic, Or any other Religion. Try and search for help, in the most unlikely places, these places are there for everyone to utilize, as a Venting source, or a comfort place, So you can start a Day, or a Week off on a better Note.
I found 1 Hour of Relaxation, and Peace, in a great Place. Please take a Moment to see if you can enjoy a sense of freedom, at any Church, or Temple of your Choice. It will make things just not seem so bad anymore, and will make for a Happier place in your life.
Sadly enough, We have had the Blame Game going on for a while now, But in the end there are Real People, with Real Problems! Who's there to help them?
I am a Mortgage Broker in Palm Beach County Florida, and I am very concerned about what the Foreclosure Market is going to do to many People. Imagine this, there is almost always a Story behind every Foreclosure, and if you knew some of them, You would be Amazed! Here is one that I just heard about over a Week ago, and Today the Lady called me to say thank you for my help.
I had received a Phone Call from a Women named Deborah, she was Upset, and still a Pleasure to talk too! She had explained to me, that she was Raising a severely Handicapped Daughter, whom is unable to take care of herself. We spoke about her Housing situation, and she said that her house, which was transformed to suit her Daughter, had been making her Daughter sick, So she looked into it, and found that the home had a severe case of Toxic Mold, She found out this was correctable, but the Insurance Company would have to pay to fix this.
The case had gone to the Insurance Company, and they found that they should pay to correct this, but soon after, the Insurance Company Filed for Bankruptcy and the women was left with a home unlivable. The state took over the Claim, but while this went on for over 1 Year and a Half, she had to pay to stay elsewhere, and she fell behind on her Mortgage. The State had finally decided, it's time to fix the wrong, but the only problem was her house was scheduled to go to Auction, this week Thursday, and she tried everything to Postpone at least One Week. Well to my amazement, knowing and having Proof that she was going to be able to catch up the Mortgage in Full, The Attorney for the Bank refused to Postpone the Sale, and then The Bank themselves, refused to Postpone the Sale. This women has a Handicapped Daughter, and these giant Banks don't have a extra Week to spare, I guess the fact that she owed very little, Swayed the banks and the Attorney to maybe arrange someone to buy this house at Auction for a real good buy, Well! today a Honorable Judge demanded the Postponement for her, so that she can pay up the Mortgage. I would like to say good for you Judge, for doing the Right thing, and I would like to say,
Shame on you!! to the Big Banks, for not trying to work with someone like this Lady who needed a few days help.
To all of you out there, be Persistant, and Optimistic, and you will be fine! help comes in many forms...
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
Money has created a Evil sense among the most Honest of People, So lets not feel pressured into spending Money this Season, that we just don't have to spend. I know that most people that I know, have had a ton of money problems, but they still insist on using those Damn Credit Cards, to finance their Spending Habits. Some people can Afford to spend Money like it's Free, because it's not theirs to spend. 
;)
;)
