Well its been an interesting year for those of us who have survived 2008.  I am an optimistic person and never thought that the market would crash like it did.  Oh, well, its time to get busy making 2009 a better year than 2008.

I put together my action plan for the year.  It have many of the same tasks as last year, a few new ones, and systematizes what I do so as to be more effective. 

Last year about half way through, I quit focusing on refinance business and turned more towards the first time home buyer market.  The values in my area have dropped so much, that anyone who put less than 25 % down in 2005-2007 doesn't have the equity required to refinance. Purchases kept me busy with FHAs. VAs, RDs, and Idaho Housing Loans. The home purchase business will be key to staying busy this next year.  That means more Realtor calls, meetings, and above all, continuing education.

The other area I feel really bulish on is Reverse Mortgages.  With the current economic situation and the decline of 401ks and IRAs,  many seniors need the help of a reverse mortgage.  I am surprised how many seniors try to get by on so little income.  Many of them even have a mortgage and try to live on $1000 per month income or less.  In those cases, a reverse mortgage can be a life changing event.

The last area of my 2009 plan is systems.  I am putting more activities into time blocks,  scheduling other activities at times that make them more likely to get done, and putting realistic time limits on other activities that may or may not always equal a pay check. 

That does it for now, I'm off to a new year and a better 2009.  Good Luck to my fellow active rainers with your 2009 goals.