mortgage: ATTENTION 401k) and IRA Participants!
- 04/20/10 03:40 AM
Quote of the Week: Sounds Crazy Might Work "It is possible to do whatever you choose, if you get to know who you are and are willing to work with a power greater than ourselves to do it." ~ Oprah Winfrey Talk Show Host Entrepreneur Good Morning... This email is long overdue. I have met many people lately who do not completely understand the control they have over their 401(k) & IRA plans. THIS is IMPORTANT. YOU have complete control to do what you want with your 401(k) as it pertains to choice of investments, how much to contribute, whether or … (4 comments)
mortgage: The Cheapest and Best Medicine
- 03/22/10 05:05 PM
Quotes of the Week:"A sense of humor keen enough to show a man how his own absurdities, as wellas those of other people, will keep him from the commission of all sins, or nearly all, save those that are worth committing."~Samuel BulterBritish Poet"A person without a sense of humor is like a wagon without wheels - jolted by every pebble in the road."~Henry Ward BeecherThe Guy Who Said That"The world does not cease to be funny when people die any more than it ceases to be serious when people laugh."~George Bernard ShawMr and Mrs. Shaw's Son"When you can laugh at yourself, … (3 comments)
mortgage: What is Happiness?
- 03/03/10 01:13 AM
Quote of the Week:"The desire for food is limited in every man by the narrow capacity of the human stomach; but the desire of the conveniences and ornaments of building dress, equipage, and household furniture, seems to have no limit or certain boundary."Adam SmithEconomistI was shocked to read that this quote was written in 1776. How do you interpret this quote? Do you think it is relevant today, perhaps even more so today? If you are feeling any financial stress at this moment, if you are not living the life that you want at thismoment, if you cannot see the light … (2 comments)
mortgage: Say Goodbye to Your Entitlements!
- 08/18/09 04:15 AM
Quote of the Week:"Strong reasons make strong actions." William ShakespearePlaywright Good Morning!Consider this: The 4 means that may or may not have my family retiring comfortably are (1) social security, (2) a great pension, (3) and savings, (4) lottery winnings. Ask yourself: "Do I think I can depend on Social Security ten years from now to get me through my retirement?" (Social Security is scheduled to run out of money in 2013.) "Will my pension at work get me through my retirement?" (Can your company afford to pay you for 40 years after you retire?) "Do I even have a pension … (2 comments)
mortgage: Will Homeowners and Buyers Lose $45,000?
- 08/18/09 03:50 AM
Quote of the Week:"Anyone who has never made a mistake has never tried anything new." Albert Einstein PhysicistWill Homeowners and Buyers Lose $45,000?Ann Arbor, MI August 13, 2009 – Federal Reserve officials met yesterday and issued a statement saying that their program to purchase $1.25 trillion of mortgage-backed securities will be winding down by the end of year. “The Fed is the single largest buyer of mortgage bonds in the market today,” said Gibran Nicholas, Chairman of the CMPS Institute, an organization that certifies mortgage bankers and brokers. “The way mortgage companies set their interest rates is by figuring out the … (0 comments)
mortgage: Times Have Changed...But Have They?
- 03/30/09 01:36 PM
Our country and community are currently experiencing the effects of a severe economic downturn. This makes it all the more urgent to find real value from those you trust, particularly when considering your financial planning team.I began my mortgage career over 15 years ago. I would go to college in the morning, work part time at an Anaheim mortgage lender in the afternoon, and then work as a grocery clerk for Lucky's (now Albertson's) by night. I was of very limited means so, working multiple jobs was absolutely necessary for me in my youth. I reminisce often about where my career … (0 comments)
mortgage: Jon Stewart - He's Not Your Typical Talk Show Host
- 03/23/09 03:09 PM
Happy Monday Everyone! I'm asking you to watch this video when you have some free time. THIS is what's going on in our country and while the feelings of powerlessness continue to frustrate me and others, I encourage you to watch Jon Stewart's show from last week even if only to watch him mentally pummel Jim Cramer in ways he truly deserved. There was a study done on Jim Cramer's picks recently and it's been shown that literally about 80% or more of his picks have been wrong in years past. It blows my mind that CNBC and other organizations like … (0 comments)
mortgage: The Obama Plan - Will it Help YOU???
- 03/09/09 06:38 PM
So the question is, do you qualify for the any of the new mortgage programs? Since last week, I have been contacted repeatedly by clients, friends and family wanting to know if they qualify for any of the mortgage relief programs that have been signed into law over the past few weeks. More details have been released by Fannie Mae and Freddie Mac on how they will handle refinance transactions authorized by the Home Affordable Refinance program. The complete details of both programs can be found by accessing the program guides from Fannie Mae and Freddie Mac, but I will … (0 comments)
mortgage: QOTW & First 09 Video BLOG
- 01/21/09 02:38 AM
Quote of the Week:"The greatest thief this world ever produced is procrastination, and he is still at large." ~ Henry Wheeler Shaw, 1818-188, Humorist Good Afternoon Fine People! Well, a New Year and as of today, a new President, is upon us...and not a moment too soon I might add! Let's face it, last year was ugly! Yes, uuuuugly. And with the ugly, and with the confusion, and with the chaos has come a beautiful thing that lies within the ugliness of the numbers and that one thing is Opportunity. Your opportunity is tremendous! Our opportunity to meet new clients and meet … (0 comments)
mortgage: As We Move Into 2009...Be Happy!
- 01/01/09 10:01 AM
How to Be Happy Steps 1. Relax. Lighten up. Don't take yourself too seriously. Try not to over analyze things. Stress can cause many mental, physical, and spiritual problems in your life. One of the major causes of stress is worrying about things that are out of your control. Learn to recognize these things and if you can truly do nothing about them, then just let them go. Take time to laugh at yourself and the situations you find yourself in. Laughter is a powerful, positive medicine and the calmer and more peaceful you can take things, the happier your life … (0 comments)
mortgage: Reduce Your Property Taxes!
- 12/29/08 11:53 AM
Act Now To Reduce Your 2009 Property Taxes!Experience Equals Results The real estate market is experiencing an unprecedented decline in resale value. Allow our market knowledge and experience to benefit you in reducing your property taxes by contesting the unfair assessed value on your property tax bill. Our commitment to you: We conduct extensive analysis Prepare evidence for a successful appeal We will mail in all forms to the county on your behalf Refer me 3 people for this service and save 50%! Please remember that if you've successfully appealed your taxes in years past that you must re-appeal each year … (0 comments)
Are you sick of getting all of your information about the economy from the media, newspaper, and your neighbors? Puhhhhlease say "Yes, Kurtis...I really am. But, Kurtis, WHERE ON EARTH can I go to get reliable and up to date information that is important to ME?" Well, since you asked nicely... We put very short and valuable markets updates on our site each and every day!
You can view these updates at: http://silverstarfinance.com/blog/category/market-update/
Just take a look at today's update! It's a HUGE win for homeowners, renters, prospective buyers, … (0 comments)
Are you sick of getting all of your information about the economy from the media, newspaper, and your neighbors? Puhhhhlease say "Yes, Kurtis...I really am. But, Kurtis, WHERE ON EARTH can I go to get reliable and up to date information that is important to ME?" Well, since you asked nicely... We put very short and valuable markets updates on our site each and every day!
You can view these updates at: http://silverstarfinance.com/blog/category/market-update/
Just take a look at today's update! It's a HUGE win for homeowners, renters, prospective buyers, … (0 comments)
mortgage: I'm Mad!
- 11/18/08 12:23 PM
Quote of the Week: "The person interested in success has to learn to view failure as a healthy, inevitable part of the process of getting to the top." Dr. Joyce Brother Psychologist and Television Personality Have you heard of Corporate Financial Benefits? Look what's happened to families' individual wealth in the past 2 months. We trusted the leaders of this country and our own advisors to point us in the right direction. For the most part, they have failed when we needed them the most. We needed safe, intelligent, and sound planning advice that was not influenced by greed and corporate … (0 comments)
mortgage: Federal Reserve Cuts Key Interest Rate by Half Point
- 10/30/08 03:29 AM
Federal Reserve Cuts Key Interest Rate by Half Point The Federal Reserve, winding down a two-day meeting on interest rates, has cut the funds rate from 1.5% to 1% as it faces the worst financial crisis in decades. What does this mean to you and/or your clients?First, for the second time in a month The Federal Reserve has lowered rates by .50%, which means the rate on your Home Equity Line and other revolving / personal loans tied to Prime will be lower by at least 1% on next months statement. So, that means if you owe $100,000 and your rate … (0 comments)
mortgage: Californians Lose Record Number of Homes to Foreclosure? Preventable?
- 10/26/08 04:45 PM
Good Evening!Californians lose record number of homes to foreclosure, according to the Los Angeles Times article released just this week. Was this preventable? To a certain extent, yes. A record number of homes were lost to foreclosure in California over the last three months, up 228% from last year to a high of 79,511 homes. MDA DataQuick reported that more homes were taken back by lenders in the three months ending Sept. 30 than at any time since the company started tracking foreclosures in 1992.What's the solution to this problem? How could it have been avoided?A: Loan Work Outs - Loan … (0 comments)
mortgage: Option ARMs Killed WAMU, But Why? What did Mortgage Brokers Contribute to the Failure?
- 10/16/08 04:32 AM
Good Afternoon! I write you for two reasons today. First, to share some insights with you about WaMu and Option ARMs and second, to share with you our teams views on how traditional Loan Officers failed to guide your clients with this type of loan. Why is what I'm about to share with you important? Because is will affect YOUR business moving forward! Working with the right planner is crucial to your success! The option adjustable-rate mortgage (ARM) will be the loan that will be blamed for Washington Mutual's demise. The bank believed the loan was a creative mortgage that would … (9 comments)
mortgage: New FHA Program Offers HOPE to Homeowners!
- 10/06/08 10:58 AM
FHA Launches New Program to Help Lenders Refinance Troubled Loans Carrie Bay | 10.03.08 The Federal Housing Administration (FHA) rolled out the new Hope for Homeowners (H4H) program on October 1. The program was created as part of the larger Economic Recovery Act of 2008 passed by Congress this summer, and is aimed to help struggling borrowers avoid foreclosure by refinancing into more affordable, sustainable, FHA-insured mortgages.H4H lets lenders and servicers with homeowners at risk of default or foreclosure turn "beyond-their-means" home mortgages into new government-backed 30-year fixed rate loans with lower payments. FHA said that given their fiduciary responsibilities and … (1 comments)
mortgage: What Is Happening (For Real This Time!)?
- 10/01/08 12:08 PM
Only Successful People Fail "When you make a mistake, don't look back at it long. Take the reason of the thing into your mind, and then look forward. Mistakes are lessons of wisdom. The past cannot be changed. The future is yet in your power." ~Phyllis Bottome1884-1963, Novelist and LecturerGood Afternoon!Well, what can I say? These times are difficult and we all know it. While I see amazing opportunity in every downturn for those who have prepared for it by seeking pro-active advice from their team of experts, I'd rather take a moment to share with you exactly what has happened that … (0 comments)
mortgage: What Makes a Great Real Estate Agent Great?
- 09/19/08 11:55 AM
Good Afternoon and Wow, What a week!THE INFORMATION CONTAINED IN THIS E-MAIL WILL MAKE YOU MONEY AND WILL MAKE YOU LOOK GOOD! I heard a startling statistic yesterday and the numbers don't lie. It's a fact that approximately 54% of buyers/sellers will NOT use the real estate agent that they used on their last transaction. Even worse and it comes as no surprise given the reputation of most lenders and brokers as of late, 83% of lender / broker clients will NOT use the mortgage person they used on their last transaction for their next transaction. So, what separates the good … (1 comments)
Quote of the Week: Sounds Crazy Might Work "It is possible to do whatever you choose, if you get to know who you are and are willing to work with a power greater than ourselves to do it." ~ Oprah Winfrey Talk Show Host Entrepreneur Good Morning... This email is long overdue. I have met many people lately who do not completely understand the control they have over their 401(k) & IRA plans. THIS is IMPORTANT. YOU have complete control to do what you want with your 401(k) as it pertains to choice of investments, how much to contribute, whether or … (4 comments)
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