real (39)

Tips To Avoiding Foreclosure!

TIPS FOR AVOIDING FORECLOSUREAre you having trouble keeping up with your mortgage payments? Have you received a notice from your lender asking you to contact them?- Don’t ignore the letters from your lender- Contact your lender immediately- Contact a financial counselorIf you are unable to make your mortgage payment:1. Don’t ignore the problem.The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house.2. Contact your lender as soon as you realize that you have a problem.Lenders do not want your house. They have options to help borrowers through difficult financial times.3. Open and respond to all mail from your lender.The first notice you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.4. Know your mortgage rights.Find your loan documents and read them so you know what your lender may do if you can’t make payments. Learn about the foreclosure laws and timeframes in your state ( as every state is different) by contacting the State Government Housing Office.5. Understand foreclosure prevention options.Valuable information about foreclosure prevention (also called loss mitigation) options can be found on the internet at www.fha.gov/foreclosure/index.cfm.6. Prioritize your spending.After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payments. Look for optional expenses-cable TV, memberships, entertainment-that you can eliminate. Delay payments on credit cards and other “unsecured” debt until you have paid your mortgage.7. Use your assets.Do you have asset-a second car , jewelry, a whole life insurance policy-that you can sell for cash to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don’t significantly increase your available cash or your income, they demonstrate to your lender that you are willing to make sacrifices to keep your home.8. Avoid foreclosure prevention companies?You don’t need to pay fees for foreclosure prevention help-use that money to pay the mortgage instead. Many for-profit companies will contact you promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month’s mortgage payment) for information and services.9. Don’t lose your house to foreclosure recovery scams!If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, you may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms.10. Don’t procrastinate!Innovative Realty Solutions Group Inc.321.217.4321Yvonne Long, Realtoryvonnel.long@gmail.com
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The Wrong Short Sale House Might Not Ever CloseWhen you spot a short sale house that interests you, take your hand off the mouse and step away from the computer. Before you get all excited over the prospect of buying that short sale house, pick up the phone and call your real estate agent. Your agent needs to research that short sale listing first.In some real estate markets, fewer than one in 10 short sales close. Just because that home is listed as a short sale doesn't mean it's really for sale (because it's subject to lender approval), nor does it .......the rest of the article can be found on my blog http://shortsales-yllong.blogspot.com/God Bless
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Lately the question that everyone is asking “what will my lender need from me if I want to do a loan modification”. Well before any lender can recommend the most appropriate workout option, it is important that they have a complete understanding of your current financial situation. As part of this process most lenders will require the following documentation:You can read the entire article on my blog at :http://shortsales-yllong.blogspot.com/Be Blesed!
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5 Keys to Selling Your Services

Here’s some insight to an online building industry video I viewed recently. Builder magazine editorial director, Boyce Thompson, interviewed William Kraeger, principal at Mithun, on how the architecture firm sells its clients on sustainable design.This interview was only two minutes and 40 seconds, but it spoke volumes about marketing professional services, whether green building or some other market niche. Here are five key points from the brief segment:1. Study the trends. Mithun foresaw that the housing industry and the country were moving toward urbanity, innovation and sustainability. In business, it’s vital that you monitor the pulse of your industry, understanding what’s valuable to the majority of your clients, and paying attention to the work of your colleagues and competition.2. Find a niche you can believe in. Mithun decided to focus only on sustainable, contemporary work. It was a market they studied, one in which they excelled, and something in which they wanted all of their employees to take part.3. Stick to your guns. Even though some of Mithun’s clients were not yet ready to hop on the green building bandwagon, the design firm did not compromise their mission. Leaving the lines of communication open, clients were informed that they could call the firm when they were ready to move forward with sustainable ideas.4. Get clients to market for you. After moving into a newly constructed Seattle residential project designed by Mithun, owners were so pleased with their new homes that they began blogging about living there and inviting their friends to move, too. Satisfied customers pass on good news.5. Never stop learning. Kraeger says that this is an “exciting, intimidating, ‘goose-bumpy’ time.” It’s important to stay current on emerging technology and marketing trends in order to keep in contact with current and potential clients. Communication and publicity methods are changing continuously.© Copyright – Karen A. Davis. All Rights Reserved Worldwide.Click here to see the Builder TV interview:http://link.brightcove.com/services/link/bcpid1185051962/bclid1435949875/bctid9857393001
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What is a Short Sale ?

With the mortgage industry receiving so much attention I will be doing weekly blog's answering questions that I am asked on a daily bases. This is the first in this series. Let me know your thoughts.http://shortsales-yllong.blogspot.comGod Bless!
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WHAT I DO?

I was recently asked about my endeavor, so I thought I would share with all. I am not an attorney, as I inform everyone before I speak on real estate, the information I provide is for informational purposes and laws vary from state to state that one should consult with their advisor for a particular situation as every situation is different. But over the years I have worked with attorneys and attorneys with me on behalf of the landlord on various legal matters pertaining to the tenant. Most of these cases worked out in the best interest of the landlord, because financially the tenant wasn't able to hire an attorney or just didn't have a clue.As for my knowledge of leases and the language...you have to know and understand what you are reading as a real estate manager, portofolio anaylst and real estate office manager...because you are consistently referring or reveiwing the lease on one issue or another. My experience and continuous work and training in this field has put me in a position to educate those that are without, on the concepts of leasing. I give tips as to what the tenant should look for before, during and after thier tenancy. It takes years of experience, a love of the business and most of all a concern for the tenant. I am licensed in real estate, have degree in business management and pursuing my RPA...I am a portfolio analyst currently for Fortune 500 companies (confidentiality purposes I can not disclose the names). Therefore, I read leases on a daily basis on behalf of my clients and have been reading leasing over the past 9+ years. Some think it is boring, but I love it. Have to have a love for what you do...God laid upon my heart to write the book to lay a foundation for the commercial tenant to build upon when doing business with a landlord or property management company. Also, God led me to the ning networks, blog talk radio and various other resources were I could promote awareness to the small to midsize commercial tenant of thier options and potential savings. Because I was clueless, I didn't know where to begin on this journey. God continues to open doors and I am going to step through them to do the work he has set before.We love our attorneys, but most of the leases I have read are poorly written and contain a lot of grey areas, especially when it come to the tenant and I am not the first to say. And sure I will not be the last. I am not putting all the blame on the attorneys for poorly written leases, because fault do lie with the landlord, the landlord originally have the lease written by an attorney for a particular tenant and then they use that lease as a standard lease for all tenants. Because most landlords are cheap (on a budget) and it costs money to have an attorney review a document. So, then the landlord gives it to their leasing agent who is supposely trained/hired to edit the lease on behalf of the landlord (on behalf of the landlord). Their focus is to get the lease signed, in and out. He is a sales man.So my mission is to inform, give a heads up through whatever means God directs.Valencia:-)Author & Commercial Tenant Consultant'10 Commandments for Dealing w/Landlords - What U the Commercial Tenant May Not Know?'www.EyeSpyManagement.netvalencia.mackie@EyeSpyManagement.net901.399.0967
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Do You Rent your home or Sell it!

Here is some information I found that will help you make and educated decision! Be Blessed!Should You Rent out Your Home or Sell It?Four months ago, Darleen Burbridge, a 41-year-old hotel office manager from Staten Island, N.Y., was laid off. Now, after fruitlessly pounding the pavement for the past few months, she's decided to relocate to Florida. She figures that Florida offers better job opportunities in the hotel industry, a more affordable standard of living and -- let's face it -- better weather.But one question remains: Should she sell her two-family suburban home or rent it out?"I don't know what's better financially," she says. "Should I sell and take the profit and run? What if I go to Florida, hate it and come back? I won't have a house. I've heard horror stories about people who sell their home when they move, then come back and can't even afford an apartment." In her case, the stakes are high: The home she bought for $235,000 is now worth an more than $400,000. Selling now will lock in her sizeable gains, but could price her out of the market if she returns in a year or two.Burbridge's situation isn't unique. As many as 5,373 Americans move every day, according to the U.S. Census Bureau. And these days, given the weak labor market, many are moving to find jobs. According to a survey by the career Web site Monster.com, almost half of U.S. job seekers were willing to relocate for employment.Of course, in most cases, moving means selling one's home; after all, it's usually a necessary step in affording a new home. But for various reasons some people choose to rent out their homes instead. In some instances, people know that they'll be leaving only for a year or two, perhaps while they pursue a graduate degree or take on a specific project at work. Sometimes the would-be seller simply can't sell at a price deemed acceptable, so he or she chooses to hang on until the market picks up. Others just want to keep their old home until they're confident they won't be coming back.Whatever the reason, it's important to have a healthy grasp of the financial issues at play when weighing this decision. Here's what you need to consider.The Tax Issues When You SellAs you probably know, Uncle Sam provides a generous tax break for those who've lived in their home for at least two of the past five years. Married couples who file jointly can earn up to $500,000 in capital gains tax-free, while singles can enjoy $250,000 in tax-free gains.Good news: Those who are planning on renting out their home for just a year or two will still be eligible for these breaks (provided they've lived in their home for at least two of the past five years). Should they sell more than three years later, however, they forego the tax exemption, meaning their gain would be taxed as a capital gain. "Once you start renting, the clock starts ticking on these two out of five years," says Robert Weinberg, a certified public accountant (CPA) in Orange County, Calif.Consequently, for those whose renting plans would turn a tax-free gain into a taxable one, the general advice is to sell. "The rule of thumb is, if you have a large gain on your personal residence, you don't want to rent it out," says Benjamin Tobias, a CPA and president of Tobias Financial Advisors in Fort Lauderdale, Fla. "You never want to take a house that you're not going to have to pay tax on and convert it into rental property and pay tax on the gain. That's insane." One solution to this problem: If you're willing to move back into the house and live there for two years before you sell, you'll re-qualify for the exemption.The Tax Issues When You Rent OutBecoming a landlord also offers some handsome tax perks. While rental income is taxed as ordinary income, your tax bill could easily be eliminated thanks to the numerous deductions on expenses and depreciation. There is, however, one major exception: If you eventually sell the house and qualify for the capital-gains tax exemption discussed earlier, you'll be taxed on the amount you depreciate, which could make renting out your home considerably less attractive.Let's talk expenses first. You can deduct pretty much any out-of-pocket expenses related to owning and managing the property, Weinberg says. This includes your mortgage interest payments and property taxes (same as if this were your primary residence). It also includes other expenses, including advertising or broker fees, the costs of repairs to the property, maintenance expenses such as cleaning services, utilities and management company fees, the cost of fire and liability insurance, and even travel and local transportation expenses incurred for the maintenance of the property and collection of rent.Then there's the "phantom deduction" called depreciation. Just divide the fair market value of the property at the time you start renting it out (excluding the cost of land) by its recovery period -- which is 27.5 years for residential rental property. There's your annual depreciation. For example, if the home is worth $550,000, you divide that by 27.5 and get a $20,000 annual deduction. "The depreciation deduction will cover a lot of the rental income you're receiving, so it's a nice tax shelter," says Jeff Callahan, a CPA with Bederson & Co. in West Orange, N.J. "If you have another $10,000 in out-of-pocket expenses, which are also deductible, you can get $30,000 in rent tax-free," he says.Improvements can't be deducted, but you recover their cost by depreciation. The good news is, you typically depreciate the cost of any appliances, carpeting, furniture or plumbing over only five years, says CPA Weinberg. So if you bought a new $1,000 dishwasher for your rental, you can deduct $200 a year from your rental income for five years.article By: Aleksandra Todorova, www.smartmoney.com
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Buying a Home is a Process

Buying a home is not a spur of the moment decision. Taking time to prepare and doing the homework not only makes the process less stressful, but will make homeownership a pleasure.Getting OrganizedStart with a loose-leaf notebook and some sharpened pencils. Manilla file folders are helpful in organizing bills and other documents needed for loan applications. Having a business telephone directory on hand or access to a computer is a good idea. After making calls, record the phone numbers, contact name and a short note on the conversation in the notebook under a reference tab.Rent vs. HomeownershipFor some renting makes more sense than purchasing a home. The only way to determine this is by comparing the costs of homeownership to renting.In addition to mortgage payments (first and second mortgages) taxes and insurance (mortgage insurance and homeowner insurance) must be included in the owning a home column.The next items in the column should be utilities. For a home these include gas, oil, electricity, water, waste disposal (garbage pickup), and optional telephone and cable costs.Condominiums and Co-op FeesSome first time homebuyers decide to purchase condominiums or co-operative units because many of the utility and maintenance costs are included in the homeowners’ association (HOA) fees. Include these fees on the list and remember that all utilities may not be covered. Contact several homeowners’ associations to get an idea of what the HOA fee covers.Mortgage Credit CertificateThe Mortgage Credit Certificate program offers a federal tax credit for mortgage interest paid. Most states participate in this program. The credit can be used to increase the homeowner’s take home pay and offset the costs of owning and maintaining a home. Contact area real estate agents, state and county housing departments and employer payroll departments for information on this program. Deduct the amount of the credit from the cost of owning a home.Maintenance CostsMaintenance costs cover a wide range of items from lawnmowers to roof repair. Trees have to be pruned, lawns mowed, heating systems maintained, windows caulked in cold climates, broken pipes and windows replaced, leaky faucets repaired. Make maintenance costs an item in the homeowner column.Call local utility companies and work with a local real estate agent to establish a good estimate of these costs. Always go with the higher estimate.Home Improvement GrantsMany states and counties offer home repair and improvement grants to homeowners. Homeownership is a requirement for most of these grants. Knowing the eligible areas, property types, and grant uses will assist in determining if the grants can be useful after purchasing a home. Visit myhomedownpayment.com, and contact state and local housing departments for grant information.Intangible costsMortgage payments, utilities, maintenance and repairs are the tangible costs of owning a home. Intangible costs require another list that should include the following questions:Why do I want to purchase a home?Do I have enough time to maintain a home? (Not maintaining a home will decrease the property’s value.)Can I change a light bulb, mow a lawn, paint the front door, replace a lock, caulk a window, repair a faucet, trigger an electrical circuit, recognize mold or termite damage?Do I have a tool kit?Am I willing to make financial sacrifices if owning a home costs more than I am paying in rent now?What am I willing to cut back on financially to own a home?Will a major financial emergency (health, car repairs, or job loss) impact my ability to make my mortgage payment?Do I have a savings account?If I create a budget will I stick to it?If owning a home requires a lifestyle change, am I sure (as much as it is possible to be) I want to change for the long term?How often do I call my landlord to make simple repairs?The author, Yasmin Sabur, is the founding member of My Home Down Payment and myhomedownpayment.com, e-education businesses promoting affordable housing through mortgage down payment assistance programs for low-to-moderate income families.
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LESS SPENDING MORE CREATIVE INVESTING

Now is the time to invest in assets like stock, commodities, antiques, etc. Since we are in recession there are a lot of opportunities to get in at the bottom and work your way up to the top. Why did Indy Mac and Bear Sterns close . "Fear". No matter how much you analyze this tragedy, people panicked and started pulling their money out. As mentioned before, the lesson that we all must learn from this event, is that you have to believe that you take care of your money better than anyone else. Some people will tend to take this to the extreme, by saying that they don't have the money to invest. Ironically, in all cases, this is not true. The truth is that he or she chooses not to think out side of the box, and actively seek out the money. I remember having a tenant who claimed that she was ill and could not work. Meaning that she could not pay the rent when it was due. While I tried to work with her eventually I had to evict her after my property was placed in jeopardy of foreclosure. My nightmare was just beginning after she was finally out of the property, and I had clean up the mess that she and her family left in the house. I realized that for someone who "claimed" not have any money, you would have never known by looking at how she lived. I found several cell phone boxes; many beer bottles, a satellite dish on the roof; etc. I guess I was naive and thought that she and her family were very poor. That was far from fact. I had another tenant that was on section 8, but claimed that she could not come up with the remainder of the money for her rent. Again it was hard to tell she was having problems paying rent. She was on permanent disability and received child support for her son, even though she was not really disabled to the point where she could not work at all. It would have been easy for her live on the food, shelter, clothing principle.. Even if she were to do away with all of the luxuries like the big screen TV, cell phone, cable, etc for only six months she could have invested $2000-$3000 in assets, Since she was renting a two bedroom home she have found a roommate. She could have chosen a better life for her son but instead she chose to "stay in the box". In summary I strongly believe that it is very possible for people who get public assistance, to free themselves from the government in 6-12 months. All it takes is discipline, and a unique way thinking. You will not be successful if you choose to go along with mainstream society and their belief system..Before I end this weeks topic I also want to speak briefly to anyone who has someone else like a family, spouse, etc that he or she is responsible for. It is imperative that everyone can come to some type of understanding about a specific goal. For example, it just will not work if the head of the household wants to stop spending money on unnecessary things while the others want to spend money on toys, video games, etc. The use of the items just mentioned, only serves to make someone else wealthy. These people have already invested, by putting a product on the market that people are willing to spend their money on. It is time to stop making other people rich, by investing in yourself and your family. This is the challenge for the week. For example instead of spending $40-$60 on going to the movies, go to an Antique mall, book store, museum, auction house, etc. And if you still want to see a movie, go on line after you do at least one of the activities that was previously mentioned, and you can see movies for free. If someone gives you money, don’t spend all of it. Ideally you want to invest it all. Think about it, if you were not given the money, would you not have found a way to accomplish what you wanted to accomplish. So think of the money as excess, and make it grow and work for you. Have a blessed and prosperous rest of the week and thank-you very much for you continued support of this blog.ShalomTamar
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Love Is A Choice - NOT An Emotion

Like most people, I have often heard the all-too-common refrains, "you can't help who you love", "it just happened", or "one thing led to another". Most often, I hear this from women who are attempting to justify their ill-advised involvement in some situation that has come back to bite them in the behind.Ladies, I'm about to set you free!! None of these assessments is accurate. The truth is - you absolutely, unequivocally "help" who you love; it did not just happen; and one thing did not lead to another. You either made it happen or you allowed it to happen. Now, you're free because either way, the situation is in your control. For purposes of this entry, however, I will focus on the 'who you love' issue as it concerns unhealthy romantic love.Contrary to popular opinion, love is not accidental, incidental, or happenstance. It isn't random, arbitrary, or evolutionary. It happens by the sheer force of two independent wills focused in the same direction. It happens because the two people involved wanted it to happen, and have usually expended considerable effort to make sure that it did happen. Love is not a hole in the sidewalk waiting for you to blindly fall into it. Love is the by product of mental and physical time and effort deliberately put forth to create and continue feelings of infatuation and romance.We've all seen the situations where people have gotten involved in emotional and/or physical intimacies with someone they were "just friends" with. The usual protests go something like "I don't know how it happened", "I never intended for it to happen", or "I couldn't help myself". The facts are that these relationships never just happen. They occur after days, weeks, and months of finding big and small ways to perpetuate the ectasy of illicit attraction.That fact alone begs the question, is it really love you've created? You might think it is. Your partner may even agree. The truth is you've created a fantasy that can only survive in the bubble of the manipulated realities you've invented. That's why the magic dies under the stresses and strains of real life. No longer able to shield your "love" from the side effects and consequences of real life, you usually soon find that your "love" fades.In short, true love is a series of choices that you get emotional about. It is not merely an emotion or a feeling that you just helplessly fall into like a hole in the sidewalk. True love is deliberate. It lasts, not because of how you feel about eachother - but because of your dedication to your commitment to eachother.Speaking the truth in love,Deidre
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By Karen A. DavisOkay, I admit it. Although I am typically quite optimistic, some days, this economy can really get me down. The building industry has taken a big hit in this recession we’re in. But, we know with time, this season of crisis will pass.So if projects in your office have slowed or if you’ve been laid-off, continue to work toward your goals, develop and review your personal and professional marketing objectives, and stay in top shape – physically, mentally and work-wise – so you’re ready for those new projects and deals coming your way.1. Stay on a regular work schedule. Wake up as if you have a number of clients to keep happy at the office. It’s easy to sleep in for a while and treat your first few days (or weeks) as a vacation, but you must remain on task: continuing to look for new projects or a new position.2. Don’t isolate yourself. Make regular appointments to meet with colleagues to discuss job and project possibilities. If you’re a designer, or if you specify products, make regular showroom visits to stay current.3. Boost your ego. Make a list of all of your skills and qualifications, even if they are not directly related to your profession or the services you currently offer. Next, develop a plan to articulate how these skill sets can benefit others. When you’re going after that next job or project, you don’t want to go in with the attitude, “How can you help me?” rather “How can I help you?”4. Learn new skills. Download free software such as Google SketchUp. Or locate live classes for other interests through Meetup.com or other social networking sites.5. Write about the things you know on a blog, whether it’s your profession or a hobby. Include a link to your site as part of your e-mail signature.6. Take advantage of free education. Many trade publication sites offer free webinars, training videos, and articles for continuing education units.7. Explore all the possibilities. What’s your passion? If you were not in your current profession what would you do? Determine how you can relate what you really love to what you do for a living.8. Volunteer. Nothing can make you forget about your temporary troubles quicker than helping someone else. Teaching a student math or a construction skill, or building a house with Habitat for Humanity can benefit your community as well as your resume.A recessive economy doesn’t have to mean idle time. Create a job for yourself and become the building industry professional you aspire to be.Karen A. Davis has over 20 years experience in the architecture, construction and facilities management fields. She is founder and president of Building Industry Resources, a company that provides business development and technical support services, and managing partner with KARMIS, LLC, a construction and facilities consulting firm. Ms. Davis is also a college instructor and author.
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As we know, Credit is at the root of ALL finances!!! Loans, insurances, credit cards, lines of credit, employment,the ability to rent a car, etc.! Well, as a result of that and the lack of education for consumers, everyone can benefit from our great service and join our team....all for only $698! We are apart of a team that has an awesome mentorship program that teaches you how to expand all across the United States. By recruiting, you will get the sales!!!If you are interested in finding out how to join a great team, a great company with an awesome compensation plan, no chargebacks, members of the BBB...get on the opportunity call tonight (Wednesday, Oct.8) at 8pm CST or 9pm EST. If you cannot make the call tonight, you have another chance on Friday night (Oct.10th).You can download the online presentation at www.tdtwmarketing.comand follow along or listen in only by calling 616-883-8400 pin 421173074#Send me a message if you have questions and/or want to join...I will check them after the call!This is how you can have a million dollar business for only $698....Seriously!
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BUILDING YOUR PORTOFOLIO

There are several strategies to building a great portfolio. One of the best things you can do is to invest at least 25% of your assets in gold, silver, and diamonds (http://www.kitco.com/market/ ). This is done because you are investing in money. It is a safe and conservative investment for your portfolio. Unlike stocks and futures, it is also not just paper and it is a tangible item that you can keep in your possession. This money fortunately, appreciates in value as well.Ask yourself 2 questions before making a purchase, especially if you have a business. The first question is; "Is this a tax deductible purchase, or can I make a profit from it?". The second question is; Will this purchase appreciate in value?, "When buying cars it is best to purchase used cars preferably antiques. When dealing with time, these items should still appreciate in value. Never have a car mortgage! People argue that you can write off your car as a business expense, but why not write it off, and have it appreciate at the same time. An old Mercedes Benz, BMW, Rolls Royce, etc, are examples of antique cars that should be part of your portfolio. When making purchases for your office or business, decorate with antique furniture. Rather than having furniture that looks good but is worthless in your office, you can have gorgeous and very valuable office furniture in your home and workspace. The White House is the perfect example. The furniture, rugs, porcelain, and paintings in the White House are all the very best and highest style that this country has ever seen by the most famous craftsmen and women. Is this just coincidence? Absolutely not. These items were chosen for their beauty and their long term value. These are the principles you should mirror in terms of material possessions.The third rule of thumb is not to purchase real estate unless you have money in the bank to buy it outright. By this I mean to stay away from mortgages. They only exception to this rule is to go into contract directly with the owner(land contract) for no longer than 7 years(ideally loan should be 6 months to 1 year). Remember that I mentioned in an earlier topic that "Cash is king". People are very flexible when you can offer them a large amount of money upfront and might be willing to take off $5,000-$10,000 from his or her asking price.In summary, the average person's basic portfolio should consist of Precious metals, Antique Furniture, Rugs, Paintings, Porcelain, Rugs, and Real Estate. These are the items that people use in their everyday lives. It is not just the White House. It is the Senate Chamber, banks, investment firms, and most old money estates. As a general rule antiques and fine arts typically outperform the stock market on a yearly basis. You just have to make wise informed purchase. Do your research and find someone that is knowledgeable and honest in those areas. In the last year a famous music mogul with the initials D.G. sold two paintings he owned for over 250 million dollars.The challenge of the week is to look at your current portfolio if you have one and figure out if it is comparable to the one above buy asking yourself the questions above. For those that feel that they do not have a portfolio why not start one. Now is the perfect time or economy to do so. If you need addition help please contact me at antiquesandfinearts4everyone.synthasite.com. Todah(Thank-you) for reading this blog and have a blessed rest of the week.Shalom,Tamar
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Express Sincere Appreciation

Did you know that 9 out of 10 Americans prefer a handwritten letter or greeting card to other forms of communication? It should not seem strange to you that in this Internet Age, our clients still require that personal touch. Consider this. Emails get deleted accidentally and voice messages are lost but a personal note is something your client can refer to over and over. If that message includes your business logo, those repeat impressions will help keep your brand "top of mind" to those who matter most--your customers.What could be better than a greeting card emblazoned with your logo? A greeting card emblazoned with your logo that includes a music CD branded with your logo. The card displays your logo in the following three places: front cover, inside, and back cover. Add those places to the logo on the compact disc and you have four impressions. As an added bonus, the back cover declares your company's commitment to the environment since these cards are printed on special eco-friendly paper.The true beauty of the CD greeting card, however, is it carries a higher perceived value than your basic greeting card. Clients know that greeting cards can run as low as 50 cents each at your local "Stuff for a Dollar" outlet. Don't risk offending your client base with a cheap greeting card. Go the extra mile and come off a hero just by sending a card.Ordering your cards is a cinch with WLB Enterprises. Visit GetMoreROI.net and click on the "Greeting Cards" tab. Next,select your CD/playlist. Then, determine how you would like to brand or personalize your card and CD. If you get stuck, we are just a phone call away at 1.877.667.7642. Be sure to ask about our CD cards for real estate and other markets. We are happy to send our greeting card catalog so you can shop at your leisure. Send your requests to sales@GetMoreROI.net.To Your Success!
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(Tehillim/Psalms 112:3): Wealth and riches are in his house and his righteousness is standing forever.I especially felt the need to create this blog since I always thought to myself that when I became successful I would make sure I could share what I l learned with as many people as I could. After reading many books; attending expensive lectures; searching the internet; joining several telemarketing groups; YHWH finally opened my eyes to something that was with me all along. Himself and his word. The scriptures is filled with so much guidance and direction not only on how we should live our spiritual lives and eat healthy but on how we should live our financial lives and become self sufficient. YHWH put my husband and sister in my life 5 years ago. And so my journey began bringing the little knowledge of Real Estate and an open mind . By this I mean that while I owned property I was not aware that the items within my home especially should be just as valuable or more valuable. Together my husband and sister have over 23 years experience in Antiques and Real Estate. We have decided to start this blog for two reasons. The first one being to share YHWH blessings and truths with others who are struggling with their finances and do not have to. The second one being to connect with those that are aware that YHWH wants us to have silver and gold, fine linens, and land until the coming of Messiah. (Debarim/Deuteronomy 28:12) YHWH opens to you His good treasure, the heavens, to give the rain to your land in its season and to bless all the work of your hand. And you shall lend to many nations, but you do not borrow. YHWH wants us to be independent of and not dependent on mainstream society. As long as we follow the Torah we don't have to want for anything and what we need shall be provided for us. The buildings where we congregate should be ours meaning we should not be paying rent. We should grow our own fruits, vegetables, nuts, and legumes and share them with each other. We should have our own wells and windmills for water and electricity. YHWH calls his "Children of Israel" set-apart for a reason.We practice what we preach by owning and selling antiques, silver, and land. We are located in West Virginia and welcome visitors. You may also visit us at our website antiquesandfinearts4everyone.synthasite.com or contact us at antiquesandfineart4everyone@yahoo.com. We will also post different events that we will be apart of. Part of our ministry is speaking to different churches and congregations on the benefits and obligations we have to our children, in sustaining our cultural heritage, and investing all our talents wisely. We welcome your feedback questions and concerns.Shalom,Tamar
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HEALTH IS WEALTH

For a very brief period of my life I use to surround myself with millionaires or people who thought they were millionaires. One thing I noticed in that journey was that they were not healthy at all. I remember being told that an associate could not meet with us because he was taken to the hospital after having a heart attack. Although this was a very wealthy man it did not stop him from getting sick. I don't understand why things like steak, lobster, etc are associated with having money. You eat enough of these foods and you might not live long enough to enjoy your riches. On the other hand you may live a long life coupled with sickness. We hear of these billionaires dying from very poor health. While their money is still here they are gone. There are so many wonderful foods full of nutrients that actually enhance our bodies rather than to harm them. The scriptures clearly tells us that we should treat our bodies like temples. We were provided with so many fruits and vegetables, legumes, and nuts that is not a necessity to eat meat. And if you still want to eat meat the scriptures points out that you should only eat meat that is clean. Being a vegan or vegetarian is a blessing and not a burden.Now the saying health is wealth goes both ways. There are people who are very healthy and not wealthy or comfortable. They eat and exercise properly and do whatever is necessary to keep their bodies at optimum level. For example, I had a roommate who was 70 years old but didn't look a day past 35. She was a natural doctor and fantastic vegan chef. These were only a couple of her long list of talents. She was also on public assistance and was content on being there for the rest of her life. She is always in my prayers and I pray that she successful today. Ironically I aspired to be a natural doctor and wanted to study under her but all of that changed after we started living together. While I wanted to budget and save on what we could, she wanted to spend money that was not there. While she was a brilliant woman in many areas she had not mastered the financial area.So I mentioned both points to say that there should be a balance between health and wealth. You can do both. Again we must remember our children. The woman I mentioned earlier has children who feel that they have to take care of her. That is not how it should be. It is our responsibility to be positive examples for our children. If a little girl or boy is use to seeing his or her parents buying or selling silver,gold, or property; growing their own crops;sharing with and helping others then they will do the same when they are adults. On the other hand if that same little girl or boy sees his or her parents buying and "renting" unnecessary items, unfortunately he or she will go down the same path of making conscious decisions that leads to generations of poverty. "The sins of the father" is literal not figurative.Here's another challenge. If you are wealthy or comfortable but still eat meat try omitting meat for the rest of the week or if that is too much to ask try 1 day. If you are healthy but not wealthy or comfortable try omitting one thing from your routine that will allow you extra money for a day or the rest of the week. For example you can buy food on sale; skip a weekly massage;walk or ride your bike instead of driving a car. If you do take challenge and find it rewarding please share with us in the comments section of this blog. Todah(Thank-you)for reading this blog. Have a very blessed healthy and wealthy rest of the week.Shalom,Tamar
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SILVER SPOONS FOR OUR CHILDREN

Today's big question is "Should Our Children be born with Silver spoons in there mouths?" The answer is "Absolutely". Gold or Platinum is even better. As mentioned in our first blog it is the obligation (as parents and guardians) we have in sustaining our cultural heritage, and investing all our talents wisely. Scriptures tells us throughout that we are to be prosperous an wealthy in silver, gold, and land. We must ask ourselves especially for our children's sake "will this appreciate in the future". The very first item that our son received after he was born was a sterling silver rattle and spoon. Today at age three his favorite word for when he sees at toy is "foolishness". On the other hand, if you give him a piece of silver or gold he will gladly take it and play with it. My point is this is what he knows and will continue to know. The seed has been planted. Meaning that when he is old enough to do so, he will share knowledge of wealth and prosperity through scriptures. Yes knowledge is very powerful. There are other items that have great value like old cars, trains, trucks, etc.It is tradition for people to give money only instead of toasters, blenders, silverware, etc at Jewish weddings. The idea is that Jewish young adults get an opportunity to start their lives without unnecessary financial burden as long as they take the money and invest it wisely in gold, silver, land, etc. It is also the norm to pass property and businesses to children when they become young adults.Shalom,Tamar
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The answers to this question can be found when you join us on Wednesday, June 11th at 11 a.m. (EST) on www.blogtalkradio.com/wbo-radio. You join us by phone, "dial - in" number is (347) 205-9229 or in the chatroom on the host page.Believe me...people are still buying and selling homes! It may be at a slower rate but it is being done! Or, it's summertime and want to spend more time with family but, you have got a business to run....hire a virtual assistant! Find out more on what a virtual assistant can do for you!Here is a little information on our radio guests --Melissa L. Newton is one of our newest WBO members and owner of the website, www.melissanewton.remarkableagents.com. She currently is employed with Exit American Eagle Realty. Ms. Newton has been with 2 other companies and has found each to have very different approaches in helping their agents succeed. She attributes her success in this business to Exit American Eagle Realty because she feels treated as an asset to the company. This company has also implemented a new program that supports nonprofits in the community. Each agent will donate 10% of their commission, in the name of the customer, to a charity of their (buyer's) choosing. What an awesome idea! Would you like to hear more about this offer? Tune in to the show on Wednesday.Mary "Kate" LaFrance is a WBO member and owns www.helpvirtual.com. Ms. LaFrance is a veteran of the newspaper business within the trenches experience in graphic design, copywriting, ad sales, management and editorial marketing instincts. All of these skills/talents led to the launch of her own successful virtual assistant business in 2006. Her company has underwent a name change to HELP Virtual Mktg+Admin to reflect her internet marketing focus. On this broadcast, she is announcing the launch of her new website, www.marketingmindset.biz, where she shares her marketing ideas and advice with other entrepreneurs. Come find out more about her new upcoming teleseminar, "Enough to be Dangerous" and how to get a special discount!They are offering special discounts if you utilize their services. Don't miss out on this opportunity!
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Good Morning!This is your personal invitation to join us on www.blogtalkradio.com/wbo-radio tomorrow (Wednesday) June 11th at 11 a.m. (Eastern Standard Time) for our online "live" radio show -- "Do I Need a Real Estate Agent or a Virtual Assistant".You can join us either in the chatroom on the host page or by phone, "dial in" phone number, (347) 205 -9229.If you need additional information on our radio, please check my blog on myspace, www.myspace.com/wboradio.Will see you tomorrow!Altha
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