I want to take this time to thank all of my readers, past clients, and current clients, for a memorable 2009. It sure seemed like one heck of a tough year for everyone.  2009 was marked with dramatic changes in the real estate and mortgage industries, but also in the political and economic landscapes as well.  Many of you took advantage of the opportunities in this market, and bought or refinanced real estate at reduced prices with historically low interest rates, and some of you were first time homebuyers that will also receive an $8000 tax rebate next year.  I congratulate you all and wish you a fantastic 2010.  During this time of the year, I am reminded of how fortunate my life is, and how rich my life has become with my family and friends.  It makes me think that no matter how doom and gloom the news around me may be, it is the people in my life that bring real joy and happiness to me, and with their help, I can overcome anything.

2 weeks ago, I decided to do something for charity.  I always try and give during the holidays, but this year, rather than do my usual cash donations, I decided to take on a project.  I set a budgeted amount to spend and went to a local "Big Lots" store.  I proceeded to purchase some really cool toys.  Some for older kids and some for younger kids.  When I was done shopping, I delivered the toys to a "toys for tots" collection center.  When I handed the bag of toys to the Marine soldier, he thanked me, and as I walked to my car, I felt overwhelmed with joy.  The fact that I took the time to shop, and get toys that I liked, made this donation far more rewarding to me.  I know that a child, much less fortunate than mine, will receive one of my gifts and will really appreciate it.  I truly feel like I made a difference, no matter how small it is.

Today, in a similar fashion as before, I have set a budget, and will be heading to the grocery store to purchase food stuffs that a local homeless shelter needs.  Their list includes mens clothing and shoes, so I have gone through my closets to get as many items as I could, to bring to the shelter.  I'm super excited about today, and hope that some of you will take the time to give.  I don't know how inspiring this post in fact is, but I can tell you that the feeling I had at the toys for tots center, is one that everyone that can give should want to feel.  It's more than just intangible, it's real.  So if you get a chance in the next 2 weeks, and you find yourself sitting around more than usual, I recommend you go on the website of any of your preferred charitable organizations, and see what they need.  Take the time to put a donation together and go deliver it in person.  You'll be glad that you did.  Happy Holidays and have a Happy New Year!  Cheers!

California Home Loans | Mortgages | Refinance | Mortgage Loan

Fresno Real Estate | Mortgage | Refinance | Home Loans