Everyone has his superstitions. One of mine has always been when I started to go anywhere, or to do anything, never to trun back or to stop until the thing intended was accomplished. (Ulysses S. Grant)

Anyone who has been watching or studying the financial picture lately realizes that things have been a little challenging in the Real Estate and Lending business. Guidelines that once changed every few weeks are now changing daily. I have been accused, in the past, of being the last person standing (or going down with the ship) during difficult situations. Some might think of thisas foolishness, but I take that as a compliment. When I give my word, I do everything in my power to keep it. Sometimes the situation hasn't always work out as I had hoped and I have, at times, taken some hits, but I always know that I gave it my best. As Ulysses S. Grant stated, I don't intend to ever look back, only to get better through life's challenges, and to move forward until I have accomplished my intended task.

Rick Huffman