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Being Truly THANKFUL!

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Mortgage and Lending

My workload has doubled for half the pay. Am I complaining? No--I am deeply gratefull for every phone call, kind word and person who walks through my door. While Housing prices in the Pacific NW are still holding up pretty well, its refeshing to speak with people now discussing their long term goals, not just today's wants. I am confident that my fellow businsses are committed to this community. We all know we can do with a lot less stuff. People here are building smaller homes. Closer to town. Renovating to age in place so they can stay where they have developed family ties. Getting reverse mortgages to help their kids handle college. All pretty sensible responses.

The fact is we are still at least 90% EMPLOYED. Perhaps some of us can help the rest of us! Our days as ultimate consumer society could be numbered. Is that such a bad thing? We always figure out ways to accomplish what needs to happen. Example: gas is cheaper now, but we've found we could do with less trips per day and spend less. The demand is down. Maybe driving less gives us more time in one place...doing something important like reading a book or doing our jobs and being more productive. Hey, we might even talk to our kids! I know one guy who lost 20 pounds riding his bike to work this summer. The sheer numbers of people and kids riding bikes past my office has created a lively street presence. We have a new freedom to wear our bike helmets into cafes and draw smiles, not stares.

You know, China is spending more on infrastucture with export money down: they are creating their own jobs building roads and systems. Sound like what my parents called the C.C. Camps where men were sent to work on community projects, building roads, bridges and electrifying the rural areas where I grew up. I can tell you where I live now (suburban/rural) I can't even get DSL or cable and cell coverage is spotty. We have this vision we can't live as Americans without our iPods, our iPhones and our iTV's...yet many of us do just fine canning our own vegetables. Consumerism is not what defines us. Our willingness to pull together and help our neighbors and find ways, and build Habitat for Humanity Houses may come in handy! Here's to the indomitable can-do American Spirit. Spread the word..we will THRIVE!

I'd love to hear how others are dispelling doom and gloom. Thank you for listening! And remember: whistle while you work! Loannetter

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SUSAN TEMPLETON IS A LICENSED LOAN ADVISER IN WASHINGTON

NMLS# 94045

                 

 

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Loannetter is a private brand owned and copyrighted by Susan Templeton.

 

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Mike Wong
Keller Williams Realty Southwest - Sugar Land, TX
Realtor: Commercial, Residential, Leasing, Invest

Great perspective Susan.

Nov 12, 2008 03:51 PM
Susan Templeton
Bellingham, WA

Thank you, Mike. How do you encourage a 'count your blessings' view of life? Susan

Nov 12, 2008 03:54 PM
Alexsandra Stewart
Remax equity group - Portland, OR
Broker - Portland Oregon Real Estate

I'm hoping that the next 'stimulus' package will have a huge WPA, and CC component so that the 10% can be put back to work and we can get our crumbling infrastructure repaired and replaced!

Nov 12, 2008 03:54 PM
Susan Templeton
Bellingham, WA

Thanks Alexandra, I hope that the good sense to use our energies to make things work better will also extend into our congress and halls of the white house!

Nov 12, 2008 03:58 PM
Lynda Eisenmann
Preferred Home Brokers - Brea, CA
Broker Associate ,CRS,GRI,SRES, Brea,CA, Orange Co

Hi Susan,

So well said and I completely agree. It seems to me like most of us are re-evaluating what's really important in life, and for most of us, do we really need more "stuff"? Not me, I need to get rid of stuff right now myself.

As for businesses hanging in, some will while others most likely won't, time will tell. I try to shop where I think it's really needed, usually the smaller places when I can. Especially the mom and pop's with the entrepreneurial sprit vs. deep pockets.

 

Nov 12, 2008 04:19 PM
Susan Templeton
Bellingham, WA

Hi Lynda, I was listning to a local radio station sharing ideas on saving money and I was amazed so many people DON'T shop locally. They seem to prefer getting a deal online than supporting local business...now that's really scary. I was thrilled when a new Deli opend a block from my outpost...and I've made a point of dropping in just for things I would normally buy elsehwere to help them along. That said-- I do buy my books on Amazon...nobody's perfect!

Nov 12, 2008 04:25 PM
Tina M. Haugen
Simply Vegas #1 for a Reason - Henderson, NV
REALTOR, CFAC, SFR, RRG

GREAT OUTLOOK,KEEP UP THE GOOD WORK!!!

Nov 12, 2008 04:31 PM
Susan Templeton
Bellingham, WA

Thanks Tina...Kind words mean a lot at this late hour! Susan

Nov 12, 2008 04:34 PM
Kathy Fey
Fey & Associates - Dacula, GA

I talk to many people everyday and the main consensus is that we are all happy and thankful to making any money.  Every little bit helps.

Nov 12, 2008 10:16 PM
Lisa Long
Heather Roda Broker - Paso Robles, CA

My glass is always half-full. I'm always thankful and optimistic about what life might bring.

Nov 13, 2008 12:22 AM
Susan Templeton
Bellingham, WA

Thanks Kathy and Lisa. I guess the challeng is more than 'acting as if' (which I'm good at too) but really feeling thankful in your heart of hearts. We are so fortunate to have this priviledge and this life. I recall the advice of Dale Carnegie to go ahead and imagine the worst...then get on with it! Cheers, Susan

Nov 13, 2008 05:43 AM