Hello Community, WoW !Did I have an interesting, informative, and engaging conversation with these two beautiful. articulate, insightful, progressive, and action oriented ladies. Kat and Nita.I mean putting together positive business and social building activities from the west coast to the east coast and all states in between!!!They are even helping those who want to go to school.The SHEMA1000 is our Cash Awards program for our members starting or going back to college. Learn how you can qualify to receive $1000 towards your continued education.go check them out right now.
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Posted by database-xena on October 9, 2009 at 5:53pm
The Afro European Sisters Network and award winning Black Women in Europe™ Blog joined forces in November 2007 to form the Women of the African Diaspora website and social network. The Women of the African Diaspora website is a source of information, inspiration and more for black women around the world. We would like to celebrate our 2nd anniversary by giving gifts to our website visitors and social network members.Call for sponsorsAdrianne George and Sandra Rafaela, founders of the Women of the African Diaspora website and social network are requesting businesses and individuals who provide products or services of interest to black women to sponsor our 2nd anniversary.Benefits to sponsorsDuring the period 3 September 2008 to 3 October 2009 the WAD website had over 6,000 unique visitors from the United States, the Netherlands, the United Kingdom, France, Germany, Canada, Sweden, Belgium, Spain, Italy, South Africa, Ireland, Nigeria, India, Australia, Switzerland, Austria, the Philippines, Netherlands Antilles, Norway, China, Trinidad and Tobago, Turkey, Portugal, Greece, Ghana, Brazil, Slovenia, Denmark, Japan, Poland, South Korea, United Arab Emirates, Kenya, Finland, Russia, Romania, Jamaica, Ivory Coast, Suriname, Saudi Arabia, Indonesia, Sudan, Thailand, Hong Kong, Israel, U.S. Virgin Islands, Malaysia, Lebanon, Senegal, Egypt, Bermuda, Barbados, Uganda, Hungary, New Zealand, Luxembourg, Zimbabwe, Pakistan, Mexico, Benin, Guadeloupe, Cayman Islands, Costa Rica, Iran, Bahamas, Colombia, Morocco, the Czech Republic, Bahrain, Vietnam, Oman, French Guiana, Rwanda, Kuwait, Chile, Singapore, Cameroon, Saint Lucia, Ukraine, Mozambique, Venezuela, Argentina, Malta, Peru, Qatar, the British Virgin Islands, Puerto Rico, Togo, Antigua and Barbuda, Nicaragua, Ethiopia, Croatia, Tunisia, Ecuador, Martinique, Algeria, Malawi, Guyana, Tanzania, Myanmar [Burma], Saint Vincent and the Grenadines, Latvia, Nepal, Georgia, Bangladesh, Mayotte, Angola, Jordan, Serbia, Sri Lanka, São Tomé and Príncipe, Zambia, Aruba, Jersey, Cyprus, Cape Verde, Haiti, Sierra Leone, Réunion, Iceland, Uruguay, Gambia, Dominican Republic, Niger, Slovakia and Liberia.Your business will be advertised in the press release announcing our anniversary, on the WAD website and social network and listed on our partners’ page http://womenoftheafricandiaspora.com/partners/ with your logo linking to your website. As a WAD partner you are encouraged to periodically share information with us to be included on our website.Deadline and contact informationPlease contact us by 2 November 2009 to secure your sponsorship. Email Sandra with any questions and your offer on sandra@womenoftheafricandiaspora.com . Include your logo and website address.
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I got this one from a friend last night and read it cover to cover. This should help us all get to the next level in regards to marketing on social networks and social media.You can download it here:http://tinyurl.com/ybbbdo9Read more…
You've explored your options and decided you are ready to start your own business and work from home! Now your wondering, how do I start and where do I begin. There is an amazing wealth of information on the internet providing numerous ways to make money from home. Sometimes however, it can be quite overwhelming trying to decide which option would be right for you. Should you make money with Affiliate Marketing or start a Direct Sales business, can you really make money with your blog? To learn how you can earn an additional income from home, check out these helpful resources to get you started Earning From Home.
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Posted by Myrna Hicks on October 9, 2009 at 2:32am
You're invited to party with Under My Covers as we present an Adult Only Pre-Valentine's Day Scavenger Hunt! Come join us for our open bar, music, giveaways, & so much more!!! Click or copy & paste the link below for more information & take advantage of our early bird ticket prices. Tickets are limited & going quickly!http://undermycovers.eventbrite.com
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In November, From A Writer's POV cover story will be "From Authors to Business Owner's" We plan to speak to authors who are now business owners-those who have come to provide a literary service. I think this topic is great for any writer or author looking to get into a business that provides a literary service. So what we plan to do is ask a simple question "Why do you believe so many authors are going into business to provide a literary service?"We are looking for business owners who are providing a literary service to answer this question but will allow anyone to answer. We will pick a few people who have responded to this question and feature them and their answer on our magazine all of November for the cover story.If you are interested in responding and getting your voice heard and on the magazine next month, please answer these few questions:1. What is your name?2. What is the name of your businss and what literary service does it provide?3. Where can it be found?4. How long have you been in the business?5. If you are not a literary service provider but would like to answer the question anyway, please answer question number one only and then leave your response.6. "Why do you believe so many authors are going into business to provide a literary service"Look to see who was picked to be featured on November 1st at www.fromawriterspov.webs.comRead more…
The Law of Clarity By: Brian TracyClarity accounts for probably 80% of success and happiness. Lack of clarity is probably more responsible for frustration and underachievement than any other single factor. That's why we say that "Success is goals, and all else is commentary." People with clear, written goals, accomplish far more in a shorter period of time than people without them could ever imagine. This is true everywhere and under all circumstances.The Three Keys to High AchievementYou could even say that the three keys to high achievement are, "Clarity, Clarity, Clarity," with regard to your goals. Your success in life will be largely determined by how clear you are about what it is you really, really want.Write and Rewrite Your GoalsThe more you write and rewrite your goals and the more you think about them, the clearer you will become about them. The clearer you are about what you want, the more likely you are to do more and more of the things that are consistent with achieving them. Meanwhile, you will do fewer and fewer of the things that don't help to get the things you really want.Care of www.BrianTracy.com
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Greetings!There have been questions about how Sacramento Mutual Housing Association provides our foreclosure intervention services. Therefore, I wanted to remind you that we continue to provide foreclosure counseling.We invite you to make referrals to 'HomeSave mutual housing' if you know a homeowner at risk of losing their home or defaulting on their mortgage payments.Homeowners in any stage of the process, including those who are afraid they may have trouble making future payments on their mortgages, are invited to call our HomeSave help line or email us. Currently, we provide these sessions in English, Russian and Spanish. At this time, for Southeast Asian language speakers, we will arrange translation or the homeowner can have someone else call for them.Referrals should be made to:homesave@mutualhousing.com(916) 453-8400 ext. 43 or Or (888) 453-8404 ext. 43Thank you, and have a great week!Denise R. McCoy, Board MemberSacramento Mutual Housing AssociationContact:Sacramento Mutual Housing Association3451 Fifth AvenueSacramento, CA 95817Ph: 916/ 453-8400 ext. 24Fax: 916/ 453-8401http://www.mutualhousing.com
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Wikipedia's DefinitionA short sale is a sale of real estate in which the proceeds from the sale fall short of the balance owed on a loan secured by the property sold.In a short sale, the bank or mortgage lender agrees to discount a loan balance because of an economic or financial hardship on the part of the mortgagor. This negotiation is all done through communication with a bank's loss mitigation or workout department. The home owner/debtor sells the mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender, sometimes (but not always) in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale. Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market and the borrower's financial situation.A short sale typically is executed to prevent a home foreclosure, but the decision to proceed with a short sale is predicated on the most economic way for the bank to recover the amount owed on the property. Often a bank will allow a short sale if they believe that it will result in a smaller financial loss than foreclosing as there are carrying costs that are associated with a foreclosure. A bank will typically determine the amount of equity (or lack thereof), by determining the probable selling price from a Broker Price Opinion BPO (also known as a Broker Opinion of Value (BOV)) or through a valuation of an appraisal.For the home owner, advantages include avoidance of a foreclosure on their credit history and partial control of the monetary deficiency. A short sale is typically faster and less expensive than a foreclosure. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount. It does not extinguish the remaining balance unless settlement is clearly indicated on the acceptance of offer.Short sales are common in standard business transactions in recognition that creditors are not doing debtors a favor but, rather, engaging in a business transaction when extending credit. When it makes no business sense or is economically not feasible to retain an asset, businesses default on their loans (called bonds). It is not uncommon for business bonds to trade on the after-market for a small fraction of their face value in realization of the likelihood of these future defaults.Got questions about short sales? denise.mccoytilson@rearealtors.com
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Hello my name is Craig Coleman, I am a Independent Coffee Distributor with Boresha Coffee Company. I am interested in sharing this information with all that are looking for and opportunity. I would like to introduce our Skinny Coffee a FAT BURNING organic coffee and other coffee blends and tea's. We are also working on a FAT BURNING CHOCOLATE. We would like to give you the opportunity to become your on coffee distributor just by starting your very on online Caf'e. This way the savings, commissions and the residual income, comes back to your business. Also find out what this company can do for your church and all non profit organizations.View our video http://www.coffeesuccessnow.com/Visit my website www.Igetpaidtodrinkcoffee.com/Ez2loveTake a look and contact me at 937-545-8466Thank You and have a Blessed day.Show all items
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Ezine Article by Denise R. McCoyEmployers have it tough these days. In the everchanging world of employee relations, how can you be sure that your employees are truly happy with you as an employer? Are you gauging their happiness by using the traditioanl checks and balances?Do they show up everyday?--check! Are they well groomed?--check! Do they report to work on time?--check! Have they told you how much they appreciate their job? During the last employee review, was it an improvement from the previous 6 to 12 months, or has there been a change in their performance?Well, let's hope this New Housing Employee Benefits: Building Moral, Retaining Employees & Recruiting Top Talent can help shed some light on a traditional subject with an innovative spin.Remember the game, Family Feud? During the 30 minute game show families from all over the United States would compete for a chance to win $10,000.00 by guessing what America thought about certain topics. The questions would go something like this...."Name something found in your mother's purse?" "This is something you might consume after you eat a spicy meal." "Name something a teenage girl looks forward to?" Truly, there was never a wrong or right answer. The only answer was YOUR answer.Imagine you invited me to visit with you this afternoon. Let's say, I stopped by during the lunch hour. The purpose of my visit is to help you gain a better understanding of how your employees see YOU as their employer. The core focus of my discussion is your current benefits package. I might ask your employees, "How would you rate your employers' benefits package? How do the benefits offered match up to the needs of your family? Are there any benefits not being offered that you would like to see offered?Again, this is a hypothetical scenario. By walking you through the exercise, I'm sure your wheels started to turn. You began to think like the employee for just a moment. Employee relations is just that--relating to your employees.Traditionally, 401(k), medical, dental and vision benefits were the norm for any job. However, alot has changed. Employees are looking for a benefits package that is tangible with the ability to build long term stability and growth. Although the same old benefits program is still widely received by most employees, offering an innovative alternative could change the landscape of your business model tremendously.The National Association of Realtors is the largest trade organization in the world. To date, they have over 1 million Realtor members. They are the "Voice of Real Estate". The NATIONAL ASSOCIATION OF REALTORS® was founded as the National Association of Real Estate Exchanges on May 12, 1908, at the YMCA Auditorium in Chicago, IL. Their code of ethics was adopted in 1913, as the "Golden Rule." Visit www.Realtor.org. After 101 years in existence, NAR remains the most trusted name in Real Estate.Recently, the National Association of Realtors made history during the launch of one of the most innovative employer assisted housing benefits program (EAH), known as Home from Work. The program encourages employers to help their valued employees realize their dream of home ownership by assisting them with the purchase process.To help get the word out about the program, Realtors are trained by Certified Trainer/Instructors in the benefits of the Home from Work program. They are shown how to introduce the concept to their local associations, non-profit housing agencies and employers. As you can imagine, Realtors are more than just agents. Many consumers see real estate professionals as housing advocates. The Home from Work program allows Realtors the opportunity to become leaders in their community with the power and ability to effect positive change.Employers may wonder how they may benefit by offering such a program. There are three key benefits of the Home from Work Employer Assisted Housing Benefits Program:*On-site home buyer education workshops conducted by Realtors and lenders*On-one-one counseling administered by a non-profit housing agency*Financial incentive (matched savings, grant, deferred loan.Traditionally, potential homeowners face 3 hurdles. Lack of information, lack of confidence and lack of funds are barriers to homeownership. It's only fitting that the 3 benefits of the HFW programs, cancel out these barriers.Employers like Kaiser, Agilent, National Bank of Redwoods, Novato Hospital and the North Main Water District have developed a successful EAH benefits campaign and so can you. Housing benefits help build moral, retain employees and adds a new flavor to your recruitment efforts. Not only that, employers that are proactive in building good employee/employer relations are seen as leaders on the cutting edge of what's new and what's next for their respective industries.Still not convinced your employees would respond favorably to such a program? I would encourage you to devote 5 minutes of your time by asking them. Not sure how to do that? Email a request for the "Employee Homeownership Survey", to Denise.McCoyTilson@ReaRealtors.com.com.The survey only takes 4 minutes to complete. You will be amazed at the responses and well on your way to becoming a better employer.Think your employer might like this idea? Share this article with them or connect with me directly:denise.mccoytilson@rearealtors.com.
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Fulfilling The American Dream" (TM)Dr. Edward Kramer once said, "Eliminate the time between the idea and the act and your dreams will become realities." Napolean Hill, Motivational Writer, said-"Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action."For potential homeowners buying a home can be a very scary proposition. Oftentimes home buyers are fearful of the unknown. Can I afford to buy a home? Will my credit work for me or against me? Is it the right time in the market to purchase? Should I just continue to rent?As your Real Estate Professional it is my responsibility to ensure that you are "educated and empowered with the information you need to make an informed buying decision." Gone are the days when clients were simply told, "sign here, sign here and here." Consumers are more savvy these days and have grown to expect excellence at every level of the real estate transaction.My clients view me as a partner in their transaction. In other words, I operate as an advisor and guide. I help clients effectively navigate through unknown territory by gently placing them on the road of home ownership. Clients understand that they are in FULL control of the process. Because my focus is education, clients feel confident enough in themselves to make the right decision with just the right amount of assistance from me.Feel free to contact me if you or someone you know has any questions about the sale, purchase or refinance of real estate. I would be honored to assist you.Thank you for the opportunity to connect, collaborate and communicate.Denise R. McCoy-TilsonRealtor/Employer Housing Benefit SpecialistDirect: (916) 534-5239Office: (916) 852-5100www.ReaRealtors.com
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FIRST-TIME HOME BUYERS ARE NOW ELIGIBLE FOR A NEW $8000 TAX CREDIT. YES, THAT SOUND YOU HEAR IS OPPORTUNITY KNOCKING.As leading advocates for homeownership, REALTORS® work closely with Congress for legislation that supports home buyers, likethe recent stimulus package that gives fi rst-time home buyers a tax credit of up to $8,000.* The credit, combined with today’s low interest rates and increased affordability, make buying conditions more favorable than they’ve been in years. Repayment is not required and it is available for homes purchased between January 1 and December 1, 2009.Homeownership is an investment in your future. Work with a REALTOR®, a member of the National Association of REALTORS®, who can explain the process and show you options that best fi t your situation. To learn more, visit HousingMarketFacts.com.EVERY MARKET’S DIFFERENT, CALL A REALTOR® TODAY...Denise R. McCoyRealtor/Employer Housing Specialistdenise.mccoytilson@ReaRealtors.com(916) 534-5239Share with a friend:http://www.realtor.org/pac.nsf/files/Fence_Sitters_8000_PDF.pdf/$FILE/Fence_Sitters_8000_PDF.pdf
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Homeownership–It’s NOT Just About MoneyThe “numbers tell the story” examples should ease your mind about the financial aspects of becoming a homeowner. But there are other, less monetary, benefits to homeownership that may partially explain the fact that buyers buy when they are ready.Several research studies indicate that homeownership adds to the value of communities, has positive effects on children, and even contributes to increased voter participation rates.Homeownership: The American Dream More than two thirds of American households own their own home. They know the benefits of homeownership, from the accumulation of home equity, tax incentives, and the pride of owning a place of their own. They also had to take that first step of deciding “I’m ready to be a homeowner.” REALTORS® assisted many of today’s 75 million homeowners in both their decision to buy and their first home purchase. REALTORS® are real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS® and who abide by the Association’s strict Code of Ethics and Standards of Practice.They can help guide you to first-time homebuyer programs in your area, as well as assist you in searching for and buying your home.Why Not Wait?You may wonder whether it is worthwhile to wait to purchase your home until prices are at their lowest. Prices are not the only factor that should drive your decision. Currently, interest rates are at generational lows that greatly improve the affordability of homes. Further on the annual cost table, you can see that even if home prices decline, the possible tax savings of owning a home lead to a lower cost for the buyer, not the renter. Also,there are special, additional tax benefits for first time home buyers that may be available for a limited time only.Finally, and most importantly, when you have made the decision to commit to homeownership because you are financially ready, market conditions are a secondary concern. In fact, the NATIONAL ASSOCIATION OF REALTORS® 2008 Profile of Home Buyersand Sellers found that more than four in ten buyers purchased a home because the buyer was ready to make the commitment to homeownership.care of NAR
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Oftentimes, I'm asked, "Denise, what steps do I need to take to become a homeowner." Although there are several steps to follow to become a homeowner, here's just a few of them:1. Interview a Realtor2. Get Pre-Qualified by a lender3. Arrange property tours4. Target a home that is "ideal" and write an offer5. Present the offer to the seller6. Counter offer7. Escrow8. Loan application9. Contingency period10. Homeowner insurance coverage11. Signing documents with title company12. Down payment and closing costs13. Funding14. Close of escrowFor more details about each step, send me an email: denise.mccoytilson@rearealtors.com or call me at 916-534-5239. I would love to help.Denise R. McCoyRealtor/Employer Housing Specialistwww.ReaRealtors.com916-534-5239 or 916-852-5100
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Perfect Imperction By Melissa Bacharai am a contradictiona perfect imperfectionon looking in from outsidei think i'd pass inspection.my nails are neat, each hair in placemy clothes the latest stylesbut look a little closer,and you can see my trials.the window to my balanced soulis stained from too much smokea birds eye view down at my heartwill clearly show it's broke.my best intentions lead to painand complicated messesmy head is filled with wishes,my decisions second guesses.there was a time i tried to hideeach wrinkle, scar and tearbut i', learning to appreciatethat i'm more that i appear.each wrinkle tells a storythe path from there to herei've earned a little wisdomwith every falling tear.my soul will soar in brilliant skiesbut then i'll need to restthe embers of my passionstil smolder in my chest.perhaps i'll let my hair go wildand skip the manicurei'll wear my favorite colorthey'll say "hey, look at her".my hair, my heart, my clothes, my soulwill walk in one directionno longer contradictingmy perfect imperfection.Let's celebrate who we are...TODAY. And keep working hard : )www.proverbs31women.ning.com
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Getting a home loan does not have to be cumbersome and daunting. All you need is a trusted loan expert who can give you honest advice on the best financing for your needs.Here are the simple steps involved in the loan process:Get an Estimate of What You Can AffordFind out how much you can afford to pay for a new home, second home or investment property. Strengthen your bargaining position and make your offer stand out by getting prequalified.Request a PrequalificationGet advice on different home loans and ratesWork with a lender to discuss the best financing for your needs.Request a Free Consultation with a Mortgage expertGet Pre-ApprovedPreapproval makes you look like a serious buyer and is favored by home sellers when they are considering bids. Contact you Mortgage Professional to find out how you can get preapproved.Find a HomeFind a home in a specific location or price range. Search the MLS and get new properties emailed to you. Work with a real Estate Professional.Apply for a LoanOnce you have decided on the home that you want to buy, the most important step is the loan application. Prepare ahead of time for this and ask your mortgage professional to provide you a checklist that will help you with the loan application.Request a Loan ApplicationComplete the paperwork and DocumentationYou will need to provide a completed loan application and the requested documentation to your loan agent. The loan application form typically asks for information about the property, the terms of purchase, and the employment and financial history of all the loan applicants. After you apply the lender will start verifying all the information that you have provided.Complete the Appraisal, Title & UnderwritingTo calculate the mortgage payment, the lender will begin by asking how much you are looking to borrow. The property value and your personal finances will determine the maximum loan amount. To estimate the property value, the lender will ask a real estate appraiser to give an opinion about its value. The appraiser's opinion can be an important factor in determining whether you qualify for the amount of mortgage you want. The loan agent will be the intermediary between you, the borrower, and the underwriter.Get Approved & Lock Your RateOnce the loan is approved, the loan papers will be sent to the escrow/title company or your attorney. The escrow officer or attorney will include other documents to the file created from information received from the lender. Once these documents are prepared, the escrow officer or attorney will contact you to set up an appointment for you to come in and sign your papers.Close the DealYour loan advisor will get in touch with you to schedule a closing date. The date will be specified on the purchase agreement. Closing is the last step and involves different types of fees like Title Insurance, Appraisal, Origination Fees/Points, Homeowners insurance, credit report fee etc. At the closing you will sign all mortgage documents and take possession of your new home. If you are refinancing, you will get a lower interest rate, or cash ou
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