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It's A Great Time to Buy

There is no way to predict the bottom of the market. If I had a crystal ball maybe, but I don’t. So what makes me say that now is a great time to buy? Prices are down and so are rates, add a large inventory to the mix and you have a great trifecta. You want more, how about the large number of “cash” transactions in the market. I have spoken with many realtors recently that are getting cash offers on their listings. Why is that such a big deal? Cash offers mean investors. The investors are getting in the market now. That to me is a sure sign that values are near or at their lows!

There have been a number of articles in the media recently to support my beliefs. Yes, even the ever negative media has started to see the light. Here are a couple of those articles that I think are worth a read:

Why It’s Time To Buy – <The Wall Street Journal

Return of Optimism for US Housing – CNBC

Now just because there are a couple of articles out means that everything is rosy, I am certainly not saying that. I do believe that when we look back we will say that 2011 was the year to buy a house!

Robert Snyder
Mortgage Advisor
Jacob Dean Mortgage
Cell: 973.495.8925

Fax: 973.966.1063
Email: Bob@bobthebroker.net 

www.bobthebroker.net 

Check Out My You Tube Channel!

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If you are in need of a mortgage in Morris County, Middlesex County, Sussex County, Bergen County or anywhere in New Jersey please give me a call!

5 Reasons Why You Have To Be On Twitter. Tweet Tweet

This is an excellent post from David Krichmar. People ask me all the time what the point of Twitter is. David does a great job af answering that question. www.Bobthebroker.com

Via www.DaveYourMortgageGuy.com:

Of course there are probably a million reasons to be on Twitter. Like how about to find out what Kim Kardashian ate for Lunch???? But lets talk about 5 reasons that it will help your business. And trust me for the life of me I could not figure out how Twitter was even helpful to my business. Because lets be honest Justin Bieber Tweeting is not Helping my business!! But, I have finally come up with at least 5 ways that it can help.

A Free Profile- I teach a MCE class on social marketing, etc and my biggest thing is if its free(profile) why not do it. I suggest having a profile on any website that gets traffic, facebook, youtube, twitter, trulia, activerain, etc. This is one more example. By being on as many sites as possible you increase your internet prescience.

ReTweet- for those of you who do not know how to start blogging or what to Tweet about, ReTweet is your option. This allows you to Retweet an article you find on the internet and have it posted on your Twitter Page. Most major websites give the option of “ReTweeting” just look for the ReTweet button on the left hand side where the article starts

Communication- Now more then ever it is important to be available thru any communication option. I have had clients find me off of Twitter, ActiveRain, Facebook and FaceBook advertisements, Trulia, Message Boards and the list goes on. You may hate Twitter but your possible future client may love it and found you because of Twitter.

200 Million- Twitter is no longer that short version of the Facebook status option. There are over 200 million members and they are tweeting over 110 million times a day

Super Charge your Blog- I recently read an amazing Article by Karen Fiddler about how when she posts her blogs on Twitter she received 38 immediate views. This is 38 views that she would not normally get. So Twitter brings your blogs more exposure then you would normally get. And remember the more traffic(clicks) your blogs get the higher they appear on the 1st page of Google. Which is the Super Bowl for all of us bloggers, its gets no better. Immediately after reading Karen’s Article I test it and I received 15-35 more views right away on my blogs.

For quite some time I could not figure out how Twitter was even remotely helpful to my business. And I now can honestly say I have figured it out. Its EXPOSURE!!!!! The more places my blogs appear the more traffic I get. Now remember Twitter limits you to 140 characters, so keep it short and for your links use short URLs. I hope you found this helpful. And if you have any other amazing reasons to use Twitter please leave a comment!

David Krichmar

Mortgage Banker/Broker

Schmidt Mortgage Company

Approved MCE Instructor

Office:832-689-6012

David.Krichmar@gmail.com

www.DaveYourMortgageGuy.com

Robert Snyder

Mortgage Advisor

Jacob Dean Mortgage
Cell: 973.495.8925

Fax: 973.966.1063

Email: Bob@bobthebroker.net

www.bobthebroker.net

If you are in need of a mortgage in Morris County, Middlesex County, Sussex County, Bergen County or anywhere in New Jersey please give me a call!

Beware of Clients working through a Staffing Agency

“Staffing job trends lead nonfarm employment by three months when the economy is emerging from a recession”   American Staffing Association

Staffing employment in February was 13% higher than in the same month last year, according to the ASA Staffing Index.  Sounds like great news.  Staffing agencies are starting to place people in jobs.  It makes sense; companies are starting to grow again but are a little hesitant to add too many costs so they turn to agencies to hire.  Great, that just means there are more qualified buyers out there right?

Wait, hold on a second.  Be careful.  In the eyes of most lenders a staffing job is a “temp” job.  Yes, I know that often a position placed through a staffing agency is considered a permanent position.  Yes, often it might be more secure than a direct hire’s position.  Unfortunately in the eyes of most lenders it is still considered a “temporary” position.

Even further, keep in mind that your clients may not understand this.  I recently had a borrower call me to be pre-qualified.  Of course one of the first questions I asked was where he worked.  He explained he just got a new job with Kraft Foods.  Great, I said and started discussing the job and some numbers.  As the conversation proceeded to unfold I happened to ask him how he found the new job.  When it came down to it, of course he was being paid weekly by the staffing agency.  Yes he worked for Kraft, but technically his employer was the staffing agency…or in the eyes of the lender the “temp” agency.

Just one more reason it is important to have your buyers pre-qualified!

If you are in need of a mortgage in Morris County, Middlesex County, Sussex County, Bergen County or anywhere in New Jersey please give me a call!

What’s Happening New Jersey…

For all you Foodies out there, this is a great charitable event.  The restaurants go all out and this year the Napa Valley Vintners Association will be attending.

Attend the BEST Wine Tasting & Food Event of the Year!

Taste of Madison 2011

10th Anniversary
January 18, 2011
7:00 – 9:30PM
VIP Hour 6:00 – 7:00 PM
The Park
Avenue Club
184 Park Ave
Florham Park, New Jersey

www.parkavenueclub.com

Info Tel.: 973-377-7830

Gary’s Wine & Marketplace and the Napa Valley Vintners Association will
once again help sponsor the Taste of Madison. The 10th Anniversary
event will be held at the Park Avenue Club and will feature an amazing group of
Napa Valley winemakers from Shafer, Cliffe Lede, Schramsberg, ROY Estate,
Saintsbury and more-pouring their own distinguished wines and showcasing the
best of Napa Valley. For a complete list of those attending click here.

A highly anticipated annual food and wine extravaganza, Taste
of Madison has become THE premiere food tasting event in Morris County,
providing the opportunity to sample signature dishes from some of Madison’s
finest chefs and restaurants, all on one night and under one roof.

This annual fund-raising event is organized by the Madison Rotary Club Foundation,
the Madison Chamber of Commerce, and the Madison Downtown Development Commission
and will feature food, desserts and wine offered by the restaurants and
retailers of Madison NJ. For a complete list of restaurants click here.

By |January 1st, 2011|Blog|0 Comments|

The Fed Finally Gets Something Correct

The Federal Reserve has launched a new website that shouldbe bookmarked by everyone.  Finally thereis a website that is a good resource for credit related information that doesnot try and sell you anything; nothing, no related services, no underlying adrevenues, purely informational and completely trustworthy.

The Consumer’sGuide to Credit Reports and Credit Scores is a well planned, easy to understand website that deserves high praisefor the government.  As the site says:

Your credit history isimportant to a lot of people: mortgage lenders, banks, utility companies,prospective employers, and more. So it’s especially important that you understandyour credit report, credit score, and the companies that compile thatinformation, credit bureaus. This site–maintained by the Federal ReserveBoard–provides answers to some of the most common, and most important,questions about credit.

Here are what I believe to be some of the highlights of thewebsite:

• Getcopies of your creditreport— then make sure information is correct. The site tells you how.

•Understand how your credit score is determined. The new site tells you.

• Learnthe legal steps to take to improve your credit report. Again, the informationis online.

• Bewareof credit-repair scams. The web site keeps you up to date.

• Thewebsite offers step-by-step instructions to help you correct an error on yourcredit report — not an uncommon job for credit-active consumers.

The siteis new and fresh with the latest government regulations dovetailing into yourresponsibilities, indicating it’s not just up to the law to make sure creditorsdo the right thing.

Fun Museums in New Jersey

We all know about some of New Jersey’s bigger, well funded museums like The
Liberty Science Center. What a great place to spend the day. What you might
not know is that New Jersey has a large number of smaller, off the beaten path
museums that are just as amazing for both adults and children. Here are a
couple that I really like:

Morris Museum

Normandy Heights Rd., Morristown, 973/971-3700

ImagineThat!!! Discovery Museum for Children
4 Vreeland Rd., Florham
Park, 973/966-8000

Northlandz
495 Hwy. 202 S., Flemington,
908/782-4022

My favorite of them all is the Silverball Museum in Asbury Park. If you are
a pinball fan like I am, you have to make the time to go here. Not only do they
have all the nostalgic pinball machines from your childhood, but you can play
them all…no quarters needed. Make a day of it as Asbury Park has some
wonderful restaurants as well!
Silverball Museum: Pinball Hall of Fame
639 Cookman Ave., Asbury Park, 609/577-0232

Any other hidden gems???

By |December 23rd, 2010|Blog|0 Comments|

Create Your Wellness Report Card

Thank you Paul for this great post on wellness. With the New Year coming up this is some great advice.

Via Paul Newell at Balanced Wellness:

I was listening to a Robert Kiosaki CD and he mentioned that adults should have a financial report card. Yeah, that’s right, a financial report card! Its actually a pretty creative way of assessing where you really are in your financial education.

From our elementary school days, we have always been graded on our understanding of course material and in some cases our application of what we’ve learned. As we go through high school and college, those grades mean the difference between going to an average/outstanding college, or getting into a secure, high-paying job. In those days we get programmed to focus on a grade instead of focusing on the actual learning experience and how it applies to all things.

Report cards have been established in our mindset as a measurement tool that can bring good and bad outcome. I was a B – C student so when my report card came home, I got that speech. You know the one; “you can do better and you need to apply yourself or you won’t get that good job.” If it the report card was good, then I was getting rewarded in some way, most likely ice cream at Do Me A Flavor (ice cream store in Summit, NJ).

So I decided to create a Wellness Report Card for people in school, work or even in retirement. Here’s how it works:

  1. Pick your five areas of wellness – what does wellness mean to YOU. The book Well-Being by Tom Rath writes that there are 5 main areas of wellness that contribute to our well-being; career, financial, social, community, physical. So to make the exercise easy let’s stick with those or you can use the five I chose: career, finances, community/charity, relationships, health.
  2. Define what your grading scale looks like and means – In order to get an A in your career category, what does that look like? Are you an entrepreneur, and Fortune 500 company executive? Are you making a certain amount, living/working in a specific area? If you got a C in finances, does that mean you’re living paycheck to paycheck? Determine your grading scale from A to F (“+” and “-” do count); and this takes thought so don’t rush through this part.
  3. Grade yourself – Now that you have a grading scale, what grades would you give yourself? Be honest!! No one else has to see this report card but you because its your responsibility. This is a very important snapshot of where you are right now. If you have poor grades its okay for now, but this will make you aware of areas that need improvement. If you earn, yes EARN, good grades then you’re rewarded with a happy, healthy and rewarding life and being.
  4. Scan the consequences – Now you have your five areas of wellness, you have a grading scale, and your grades; reflect on what the consequences are if those grades stay the same. For example, if you have a C in career, what happens if you stay in your current situation? Could lead to more stress, more work, less engagement, etc. What if you have a C in health, what happens if you stay your course? Would it lead to high blood pressure, diabetes, weight gain. Reflecting on the consequences will help with your next step.
  5. Take Action/Get a Plan – In school if you were getting poor grades or you wanted to get better in music or sports, what was your course of action? Did you practice or study more? Did you get help from a coach or tutor? Those tactics still apply, because to get better and accomplish anything you need repetition, and the help of others. Once you have a report card, craft a plan for the next 90 days before you reassess for your next report card. If you got a B in relationships, what can you do to improve to an A? Is it spending more time with family, or reconnecting with friends? I gave myself a C+ in that category because I want to connect with my family in Jamaica and get out to Colorado so see my friend Ward and his family. I have to book the trip to see them or have already made the visit before my next reassessment.

Do this exercise and be honest with yourself on where you are right now. There is no right or wrong or where you should be; its about where you are right now and figuring where do YOU want to go. I’ve always felt that everything we need to succeed is always within us, we just have to rediscover it. That requires honesty and accountability. Damn, I just sounded like my mother after one of my average report cards!! But for the first time I truly understand what she was talking about back then.

If you need some assistance with the exercise or have questions, reach out to me and we can go through this.

Be well and find your balance,

Best,
Paul
Robert Snyder
Mortgage Advisor
Jacob Dean Mortgage
Cell: 973.495.8925
Fax: 973.966.1063
Bob@bobthebroker.net
www.bobthebroker.net
www.bobthebroker.valuedlender.com/
By |December 21st, 2010|Blog|0 Comments|

What’s Happening New Jersey

A couple months back I wrote a blog about 101 Fun Things to do in New Jersey:

http://activerain.com/blogsview/1760414/101-fun-things-to-do-in-new-jersey

The blog made me realize that there is so much going on in our great state that we don’t know about, but probably should. At the very least it’s good discussion with our clients. Being in the Real Estate Industry, we should know our State better than anyone. So this has inspired me to write a weekly blog about something fun going on, some kind of different event…something happening in New Jersey!

New Jersey Tree Farms

Tree farms in New Jersey? I thought you had to drive to Pennsylvania if you wanted to cut your own tree. Who has time for that! Well what better a tradition than loading the family up in the car and goping 10-15 minutes to the local tree farm to pick out this years tree. Here is a list of tree farms in New JErsey:

  • Dixiedale Farm, Chatham, NJ, 973/635-2097; weekends Nov. 26 to Dec. 19; you cut or pre-cut, saw provided.
  • Evergreen Valley Christmas Tree Farm, Washington, NJ, 908/835-0557; daily from Nov. 25 to Dec. 22 except Mondays; you cut or pre-cut, BYO saw. Make an event of it, take the free wagon ride through the field to find your perfect tree.
  • Fleming Farms, Long Valley, NJ, 908/852-6996; weekends Dec. 4-19; you cut, saw provided. Bonfire, refreshments.
  • Hamilton Farms, Boonton Township, NJ, 973/334-6528; daily from Thanksgiving to Christmas Eve, 9 am-6 pm, Sundays to 5 pm; pre-cut.
  • Hidden Pond Tree Farm, Mendham, NJ, 973/865-6362; daily from Nov. 26 to Christmas Eve, 9 am-5 pm; you cut or pre-cut.
  • Simonson Fields, Cranbury, NJ, 609/799-0140; daily from Nov. 26 to Dec. 23; you cut or pre-cut, saws provided. Entertainment, Santa, hayrides, and more.
  • The Village Tree Farm, Green Village, NJ, 908/236-9202; you cut or tag a tree after Thanksgiving and pick up in December; saws provided. Hayrides, cookies, candy canes, coloring books, photo with two of Santa’s reindeer.

For more tree farms, visit the website of the NJ Christmas Tree Growers’ Association, at www.NJChristmastrees.citymax.com.

By |December 14th, 2010|Blog|0 Comments|

Tax Tips for Real Estate Agents

I have a great accountant. He works with a lot of real Estate Agents and he sent me this information yesterday. I thought it might be usefull for all of my Real Estate Agent partners as the year is quickly coming to an end!

Real Estate Agents are Self-Employed

As a realtor you are considered to be a self-employed, independent contractor. See also the Statutory Nonemployees section.

That means making quarterly estimated income tax payments since you will be paid gross commissions generally without taxes being withheld. Failure to pay sufficient tax estimates in a timely manner could lead to costly IRS and state penalties.

You will be required to pay federal self-employment taxes (ie. Social Security taxes which equal 15.3% of net income). In addition, you will still have to pay federal and state income taxes.

Being self-employed, you will be able to deduct expenses, some of which you may not get the benefit of … if you were an employee.

Statutory Non-employees

Licensed real estate agents are statutory nonemployees and are treated as self-employed for all Federal tax purposes, including income and employment taxes, if:

Substantially all payments for their services as real estate agents are directly related to sales or other output, rather than to the number of hours worked.

Their services are performed under a written contract providing that they will not be treated as employees for Federal tax purposes.

Straightforward Deductions

A few expenses directly related to your work, include marketing costs, such as advertising, flyers, signage and other promotional materials. Other items in this category are professional fees, such as Realtor fees or errors and omissions insurance, professional dues and licenses, MLS fees and continuing-education classes or seminars.

If you pay desk fees at your office or need to purchase computer equipment, software or office supplies, some or all of those costs might be deductible, along with expenses associated with the business use of your cell phone or your camera.

Auto Expenses

As a realtor, one of the major expenses you can deduct is the business use of your car. You may deduct either the standard mileage rate or actual expenses for the amount of business use. Standard mileage is a flat rate of 55 cents per mile.

The miles you drive in the course of your work are deductible, but there are a couple of ways to figure this deduction. One way is keep track of your work-related miles, separating them from miles driven for personal reasons, and use the IRS’ mileage rate to determine the amount to be deducted. Actual tolls and parking can be added to the standard mileage deduction.

The other option is to document the actual cost of insurance, gas, repairs and maintenance, then determine the percentage of the time your car was used for business and deduct that percentage of the costs. Tolls and parking can be added.

The depreciation and Section 179 deduction, which allows you to take all or a portion of the business cost of a qualifying vehicle in one year as opposed to depreciating over multiple years, is limited based on vehicle type and business use percentages.

Employ Your Child

Do you have a child under the age of 18? If so, you may be able to save some taxes by employing your child. There’s a special loophole that exempts children of self-employed individuals from paying social security, medicare, and federal unemployment taxes on wages paid by a parent.

As of 2008, as long as your child is under the age of 18, you can pay him or her up to $5,450, and your child won’t owe any income taxes on that money (assuming they have no other income). Even so, you get to deduct the wages paid as a business expense. Plus, your child can fund an IRA or Roth IRA with up to $4,000 this year based on the wages paid by you.

Now’s the time to set yourself up with the IRS as an employer if you haven’t previously done so, and to compensate your child a “fair wage” for services provided during the year. Your child needs to actually perform a realistic service for the wage you are paying.

As of 2008, if the W-2 is in excess of half of the child support outlays during the year, it could break the student free of the kiddietax. Accordingly investments in the child’s title can be liquidated at the child’s lower tax bracket.

Kiddie Tax

Reducing Income Taxes. Usually, children (especially minors) are subject to lower tax rates than their parents. In this case, shifting taxable income away from the parents and to their children could be an effective way to lower the family’s tax burden. Many income-shifting strategies were effectively killed by the “kiddietax,” It taxes the unearned income (non-wage income) of children and taxes them at their parent’s marginal rate. Fortunately, wages are earned income, so they are not subject to the kiddietax. Also, children who are claimed as their parent’s dependents usually are limited to a standard deduction which is the greater of $900 (for 2008) or $300 + earned income with a maximum of $5,150. Thus, up to $5,450 of earned income can be completely sheltered from tax.

Children must file a return if any of the following apply. Your unearned income was over $1,700. Your earned income was over $5,450.max (up to $5,150 plus $300).

Change with the 2008 tax year. The kiddietax has been expanded in a very complex manner to potentially apply to children under age 24 as of year end. This extended version of the kiddietax targets two groups who have attained age 18: 1) those who reach their 18th birthday during the year, and 2) those in full-time student status for at least five months of the year who attain their 19th through 23rd birthday during the tax year. The kiddietax has a very small exemption. Under current rules, unearned income of a child avoids Parent’s top tax rate only if the unearned income is under $1,700.

Travel & Entertainment

Travel and entertainment expenses are deductible. Travel away from home for business, conventions, or receptions are deductible expenses. Entertaining customers at restaurants or clubs are deductible on your Schedule C as well, however are only 50% deductible.

If you are in NJ and need an accountant that understands Real Estate Agents, send me an email.n! I’d be glad to make the introduction!

A Couple Months Back 6

Last year I sent out a couple emails that started:

“Over the past two weeks, I have had so much I have wanted to say that I can’t seem to say anything at all.”

Well since I got so much positive feedback from the prior emails (and of course a year later I now have even more to say) I have decided it’s time for a sixth installment (yes, there will probably be a seventh and eighth as well)!


Maybe Volume 6 is your first volume, if so here’s how it works:

There are a lot of bullet points to read, a lot of links to follow (All in blue), and if you’re not careful, you might learn something before it’s done.

*Are you sick of junk mail? : I don’t know about you, but I am sick of credit card and mortgage pre-approvals. The junk mail continues to pile up. Well, now there is a way to put an end to unwanted junk mail! If you decide that you don’t want to receive prescreened offers of credit and insurance, you have two choices; you can opt out of receiving them for five years or opt out of receiving them permanently. Simply call toll free 1-888-5-OPTOUT (1.888.567.8688) or visit www.optoutprescreen.com for details. The telephone number and website are operated by the major consumer reporting companies. When you call or visit the website, you’ll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential and will be used only to process your request to opt out.

Reminder: If you have joint credit relationships, like a mortgage or a car loan with a spouse, partner, or other adult, you may continue to receive some prescreened solicitations until both of you exercise your opt-out right.


*Don’t go off the VERY deep end! :
If you fancy a dip in this pool, you’ll need a head for heights – it’s 55 stories up. But swimming to the edge won’t be quite as risky as it looks. While the water in the infinity pool seems to end in a sheer drop, it actually spills into a catchment area where it is pumped back into the main pool. At three times the length of an Olympic pool and 650ft up, it is the largest outdoor pool in the world at that height. It features an impressive, boat-shaped ‘Sky Park’ perched atop the three towers that make up the world’s most expensive hotel; the Marina Bay Sands development in Singapore.

*Isn’t the internet great? : Real Estate Internet Marketing is gaining much importance nowadays, as it is highly important for those who are engaged in selling real estate online. According to a survey conducted by a top-rated magazine, more than 75% of people lean on the internet in purchasing their dream home. Well, I have been giving my realtor partners a leg up on the competition by supplying them with a customized website for each and every listing! That’s correct; each listing has its own web address. It also posts to “craigslist” along with 10 other real estate centric websites. Imagine what that does for search engine optimization! Are you or someone you know trying to sell a house? I will gladly do a website for you. And the best part is that it’s free! Want to see one? Check this one out, and then send me an email.

*The internet isn’t always great: The internet is a great tool for a lot of things. All too often, though, we use the internet instead of trusting an expert. The internet becomes our “trusted advisor.” I have saved a ton of money over the past couple years listening to my “trusted advisors” and I am in no way, referring to the Internet. I’m referring to my financial planner, my accountant, my insurance agent, my realtor and of course my mortgage advisor (yes me!). A good, trusted advisor looks out for all your interests – not just those that fall in their fields of expertise. If you are in need of a good, trusting, honest advisor in any category, please send me an email.

*Americas Most Expensive Zip Code: The value of a home is based on the basic economic principle of Supply and Demand. When the number of buyers exceeds the number of sellers, home prices rise. Conversely, when sellers outnumber buyers, home prices fall. There’s always an opening price point for negotiation and that figure often factors in specifics like square footage, finishes, amenities and number of rooms. Location matters, too.

On a ZIP code-by-ZIP code basis, prices can vary wildly and it’s tiny 91008 – located in Duarte, California – that tops the 2010 Forbes list of America’s Most Expensive ZIP Codes. Home to fewer than 1,400 residents of Los Angeles County, the ZIP code’s median home cost is $4,276,462.
*Can you believe it? The Refinance Boom Has Outlasted Baseball Season! :
It’s been a long time since mortgage rates went up. We have to go back to late-March for that; just before the start of baseball season. During these last 23 weeks (the time it took the San Francisco Giants to win the 2010 World Series), conforming mortgage rates have dropped by nearly 90 basis points, or 0.90%.

Did you know that a homeowner who refinanced his mortgage in April could do another refinance today and make big savings? The monthly payment would be about 10% lower today versus April 2010. Because rates keep sliding, there’s double-dippers in this Refi Boom. Can’t blame them, either.

Remember: You don’t have to drop your rate by 1% to have a refi make sense. You only have to have your monthly savings dwarf your loan costs. To see if refinancing is a good idea for you send me an email.

*Money Saving Tip – Cut the Cable Cord: Have you looked at your cable bill recently? I know they tell you that having the “Triple Play” package saves you money, but do I need to spend the savings by upgrading to the “gold” cable package? With the internet these days, who needs 500 channels anyway? Try going “Basic” – you could save $30-$50 a month. Then check out the suggestions in this article for sources of free or super cheap programming and movies.

*Push to Walk and We-Care: Many of you know that I have joined the board of a local Not for profit called Push to Walk. We’ve recently partnered with We-Care.com to offer the We-Care Reminder. It allows us to receive a donation whenever you shop online at hundreds of participating merchants — at no extra cost to you. Whenever you visit a participating merchant, you’ll be given the opportunity to have a donation made. The Reminder is a browser extension for Internet Explorer and Firefox. It took me less than a minute to install on my own computer. It was a breeze to download, and it works great! Please help us out:

*Why do I need a mortgage advisor? If you had a mortgage advisor, you would already know if a refinance would be a good option for you. I am sure you get all kinds of mail telling you that you should refinance (see “Aren’t you sick of junk mail” above). Mortgage brokers make money by convincing people to refinance. Mortgage advisors make money by building long term relationships and referrals! Just because you qualify and it’s a lower rate, doesn’t mean you should refinance. Ask your mortgage broker how many qualified borrowers they turned away this year! Looking for a new advisor? It costs nothing – just email me about it.

*What is going on with rates? Mortgage rates have remained steady over the last couple months. If you haven’t discussed a refinance with anyone yet, what are you waiting for? Although it is impossible to guess when it will happen, rates will go up. Don’t miss out on saving a lot of money. I know you’re busy, but 30 minutes of your time could be worth thousands of $$$. Isn’t that worth making the time? Send me an email – I’ll make it easy on you!

*Building a referral Business: Sometimes you just have to ask for what you want. Many clients will be willing to refer you to friends or colleagues, but they may not even think about it unless you bring it up. Remind customers that referrals are a big part of your business, and ask them if they know of anyone that could benefit from your services. If you have done an exceptional job for them – as I strive to do for each and every one of my customers – chances are they will make an effort to help you in this way. So if you know anybody – please send me an email.

By |November 18th, 2010|Blog|0 Comments|