Showing posts with label 2014 2 April May Issue. Show all posts
Showing posts with label 2014 2 April May Issue. Show all posts
Friday, May 16, 2014
10 Credit Do's & Don't to Remember Prior to Getting a Mortgage Loan
How can a fully approved loan get denied for funding after the borrower has signed loan docs? Simple, the underwriter pulls an updated credit report to verify that there hasn't been any new activity since original approval was issued, and the new findings kill the loan.
This generally won't happen in a 30 day time-frame, but borrowers should anticipate a new credit report being pulled if the time from an original credit report to funding is more than 60 days.
Purchase transactions involving short sales or foreclosures tend to drag on for several months, so this approval / denial scenario is common.
It's can be an ugly cycle where by the buyer receives an approval and thinks everything is OK so they make a credit impacting decision (buys new car, furniture, runs up credit card balance).
The lender's Funder pulls new credit report right before they fund the loan to check for changes. The Funder sees the new credit or larger balances and denies the loan.
In the hopes of stemming the senseless slaughter of perfectly acceptable loan approvals, check the “Ten Credit Do's and Don'ts” List below to help ensure a smoother loan process. These tips don't encompass everything a borrower can do prior to and after the Loan Pre-Approval process, however they're a good representation of the things that will most likely help or hurt an approval.
1. DO continue making your mortgage or rent payments
2. DO stay current on all accounts
3. DON'T make a major purchase (car, boat, big-screen TV, etc…)
4. DON'T buy any furniture
5. DON'T open a new credit card
6. DON'T close any credit card accounts
7. DON'T open a new cell phone account
8. DON'T consolidate your debt onto 1 or 2 cards
9. DON'T pay off collections
10. DON'T take out a new loan
Follow these Do's and Don'ts for a smoother mortgage approval and funding process.
Just remember this simple tip: Wait until AFTER the loan closes for any major purchases, loans, consolidations, and new accounts and always consult your loan professional for advice before you make any changes.
Want More Email Subscribers?
By Ashlei Jackson, Qlixite
"You need to grow your database!" Just about every marketing pro will tell you that your list of emails - past customers and leads included - is your key to growing your business and establishing more passive income
How do you get more emails/people into your database? As we review websites, we notice that most small businesses offer a way to stay connected...and usually its an offer to "Join our newsletter."
When we ask businesses what their "subscribe" rate is - it's usually about 10% (1 out of 10 web visitors) - but what if you could increase that to 30%? Would that benefit your business? YES! Of course!
The problem is the term "newsletter." It's vague and frankly, past experience shows they can be boring. Newsletters can be anything which means the implied value is LOW. You need to make the offer to subscribe irresistible. How? By being specific!
For example...which would you subscribe to?
• Subscribe to the latest techniques to improve your skin
• Subscribe to DIY Car maintenance tips
• Subscribe to free offers from us plus resources
• Subscribe to win a free [Insert something cool] from us
• Subscribe to our newsletter
Odds are, the last one was low on the totem pole of desire. The other options will get more subscribers because they provide a higher and specific level of value. If you want to get more subscribers from your website...don't offer a newsletter - offer something irresistible!
"You need to grow your database!" Just about every marketing pro will tell you that your list of emails - past customers and leads included - is your key to growing your business and establishing more passive income
How do you get more emails/people into your database? As we review websites, we notice that most small businesses offer a way to stay connected...and usually its an offer to "Join our newsletter."
When we ask businesses what their "subscribe" rate is - it's usually about 10% (1 out of 10 web visitors) - but what if you could increase that to 30%? Would that benefit your business? YES! Of course!
The problem is the term "newsletter." It's vague and frankly, past experience shows they can be boring. Newsletters can be anything which means the implied value is LOW. You need to make the offer to subscribe irresistible. How? By being specific!
For example...which would you subscribe to?
• Subscribe to the latest techniques to improve your skin
• Subscribe to DIY Car maintenance tips
• Subscribe to free offers from us plus resources
• Subscribe to win a free [Insert something cool] from us
• Subscribe to our newsletter
Odds are, the last one was low on the totem pole of desire. The other options will get more subscribers because they provide a higher and specific level of value. If you want to get more subscribers from your website...don't offer a newsletter - offer something irresistible!
Reviving Love in a Relationship
By Sonika Tinker, MSW & Christian Pedersen, CLC, LoveWorks Relationship Help
Love gives. And this is no more obvious than at the beginning of relationship. When in love, we are generous with our giving. We bestow upon our beloved an abundance of touch and attention. We offer gifts and love notes and phone calls. We make love for hours. We listen to each other with great rapture and divulge all of our secrets. We make delicious meals for each other and delight over the sharing of food together. We fix things that are broken when we know it will bring relief or joy. We are willing to go out of our way for each other. We can't wait to show and express our love.
When newly in love, we mistakenly believe it is the OTHER who makes us feel this blissfully charged with love and generosity. We do not see that it is the act of loving itself that produces such joy!
We LOVE to give! It is where we are at our best. It is where we are the most connected. It is where we are the most expansive. In truth, it is who we ARE to give to another. As relationship proceeds, we give less and less. We don't see it, but we begin to focus more on getting than giving.
It begins when our partner doesn't do what we expect or want. We feel hurt, disappointed, angry, afraid or sad. Old wounds resurface. We don't want to feel the pain so we close ourselves off from our feelings. Unfortunately, when we close ourselves off from our feelings, we close off our love too.
In our confusion, we think the path to feeling love again is to change our partner. We have to get him or her to quit doing that thing that hurts. So we focus on trying to GET our partner to change, to meet our expectations. In a word, we try to GET them to give to us. We try to GET them to keep their agreements, to commit, to help around the house more, to make love with us for hours, to listen to us, to show their love to us like they used to.
Our partner is doing the same to us. Trying to GET us to give to them. Unfortunately, no one is giving. Both of us are trying to GET. In trying to GET, the flow of love is cut off. Generosity ceases. And we feel terrible when we are not abundantly giving to those we love. We have inadvertently disconnected ourselves from our hearts, from who we really are. And it is this disconnection from love that kills us. It is this disconnection from love that kills the relationship.
We mistakenly believe we have fallen out of love because of our partner's unwillingness to give. If only he or she would have (fill in the blank), then I would still be in love. But it is actually our own unwillingness to give, our own focus on trying to GET that has taken us out of love…Many of us leave our partners in search of another, and repeat the process over and over again. We don't see that GIVING and RECEIVING is at the heart of feeling this blissful state of love. So take note. One of the fastest ways back to love is to give again. Give Fast. Give Freely. Give Frequently. Give what YOU want to receive.
Kahil Gibran said this: Generosity is not giving me that which I need more than you do, but it is giving me that which you need more than I do.
Love gives. And this is no more obvious than at the beginning of relationship. When in love, we are generous with our giving. We bestow upon our beloved an abundance of touch and attention. We offer gifts and love notes and phone calls. We make love for hours. We listen to each other with great rapture and divulge all of our secrets. We make delicious meals for each other and delight over the sharing of food together. We fix things that are broken when we know it will bring relief or joy. We are willing to go out of our way for each other. We can't wait to show and express our love.
When newly in love, we mistakenly believe it is the OTHER who makes us feel this blissfully charged with love and generosity. We do not see that it is the act of loving itself that produces such joy!
We LOVE to give! It is where we are at our best. It is where we are the most connected. It is where we are the most expansive. In truth, it is who we ARE to give to another. As relationship proceeds, we give less and less. We don't see it, but we begin to focus more on getting than giving.
It begins when our partner doesn't do what we expect or want. We feel hurt, disappointed, angry, afraid or sad. Old wounds resurface. We don't want to feel the pain so we close ourselves off from our feelings. Unfortunately, when we close ourselves off from our feelings, we close off our love too.
In our confusion, we think the path to feeling love again is to change our partner. We have to get him or her to quit doing that thing that hurts. So we focus on trying to GET our partner to change, to meet our expectations. In a word, we try to GET them to give to us. We try to GET them to keep their agreements, to commit, to help around the house more, to make love with us for hours, to listen to us, to show their love to us like they used to.
Our partner is doing the same to us. Trying to GET us to give to them. Unfortunately, no one is giving. Both of us are trying to GET. In trying to GET, the flow of love is cut off. Generosity ceases. And we feel terrible when we are not abundantly giving to those we love. We have inadvertently disconnected ourselves from our hearts, from who we really are. And it is this disconnection from love that kills us. It is this disconnection from love that kills the relationship.
We mistakenly believe we have fallen out of love because of our partner's unwillingness to give. If only he or she would have (fill in the blank), then I would still be in love. But it is actually our own unwillingness to give, our own focus on trying to GET that has taken us out of love…Many of us leave our partners in search of another, and repeat the process over and over again. We don't see that GIVING and RECEIVING is at the heart of feeling this blissful state of love. So take note. One of the fastest ways back to love is to give again. Give Fast. Give Freely. Give Frequently. Give what YOU want to receive.
Kahil Gibran said this: Generosity is not giving me that which I need more than you do, but it is giving me that which you need more than I do.
Distressed Housing Market Shrinks Dramatically
Provided by Fred Eichenhofer, Sierra Pacific Real Estate
Vastly improved home prices over the past five years have changed the landscape of California’s distressed housing market, which is now just a fraction of what it was during the Great Recession, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.
In January 2009, 69.5 percent of all homes sold in California were distressed, which includes short sales and real estate-owned (REOs) properties. Five years later, that figure has shrunk to 15.6 percent. More specifically, REOs comprised 60 percent of all sales in January 2009, while short sales made up 9.1 percent of all sales but rose to as high as 25.6 percent in January 2012. Short sales currently make up 9.2 percent of all sales.
During the same time period, California’s median home price has soared more than 64 percent from $249,960 in January 2009 to $410,990 in January 2014.
“The dramatic drop in the share of distressed sales throughout the state reflects a market that is fully transitioning from the housing downturn,” said C.A.R. President Kevin Brown. “Significant home price appreciation over the past five years has lifted the market value of many underwater homes, and as a result, many homeowners have gained significant equity in their homes, resulting in fewer short sales and foreclosures.”
The statewide share of equity sales hit a high of 86.4 percent in November 2013 and has been above 80 percent for the past seven months.
In some of the hardest hit California counties, the distressed market in January 2009 was 93.6 percent in Stanislaus County, 93 percent in San Joaquin County, 89.5 percent in San Benito County, 86.1 percent in Kern County, 85.6 percent in Sacramento County, 84.2 percent in Fresno County, and 83.6 percent in Monterey County. The distressed market now has shrunk to 24.8 percent in Stanislaus, 25.1 percent in San Joaquin, 17.5 percent in San Benito, 18.4 percent in Kern, 19.9 percent in Sacramento, 26.3 percent in Fresno, and 16.9 percent in Monterey counties.
Of the reporting counties, San Luis Obispo, Orange, Santa Clara, and San Mateo counties held the lowest share of distressed sales in January 2014 at 10.2 percent, 9.5 percent, 7.7 percent, and 6.8 percent, respectively.
Find this article at: http://www.car.org/newsreleases/2014releases/distressedmarket California Association Realtors Web Site.
Vastly improved home prices over the past five years have changed the landscape of California’s distressed housing market, which is now just a fraction of what it was during the Great Recession, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.
In January 2009, 69.5 percent of all homes sold in California were distressed, which includes short sales and real estate-owned (REOs) properties. Five years later, that figure has shrunk to 15.6 percent. More specifically, REOs comprised 60 percent of all sales in January 2009, while short sales made up 9.1 percent of all sales but rose to as high as 25.6 percent in January 2012. Short sales currently make up 9.2 percent of all sales.
During the same time period, California’s median home price has soared more than 64 percent from $249,960 in January 2009 to $410,990 in January 2014.
“The dramatic drop in the share of distressed sales throughout the state reflects a market that is fully transitioning from the housing downturn,” said C.A.R. President Kevin Brown. “Significant home price appreciation over the past five years has lifted the market value of many underwater homes, and as a result, many homeowners have gained significant equity in their homes, resulting in fewer short sales and foreclosures.”
The statewide share of equity sales hit a high of 86.4 percent in November 2013 and has been above 80 percent for the past seven months.
In some of the hardest hit California counties, the distressed market in January 2009 was 93.6 percent in Stanislaus County, 93 percent in San Joaquin County, 89.5 percent in San Benito County, 86.1 percent in Kern County, 85.6 percent in Sacramento County, 84.2 percent in Fresno County, and 83.6 percent in Monterey County. The distressed market now has shrunk to 24.8 percent in Stanislaus, 25.1 percent in San Joaquin, 17.5 percent in San Benito, 18.4 percent in Kern, 19.9 percent in Sacramento, 26.3 percent in Fresno, and 16.9 percent in Monterey counties.
Of the reporting counties, San Luis Obispo, Orange, Santa Clara, and San Mateo counties held the lowest share of distressed sales in January 2014 at 10.2 percent, 9.5 percent, 7.7 percent, and 6.8 percent, respectively.
Find this article at: http://www.car.org/newsreleases/2014releases/distressedmarket California Association Realtors Web Site.
Your Teeth Can Last Forever!!
By Dr. Scott Thompson, DDS, Winning With Smiles
Sure!! No way! Really? So just think about it. We have jaws full of teeth from Neanderthal Man, and from Cro-Magnon Man, and countless other pre-historic cultures. Perfect teeth with no cavities that are thousands of years old. So ... Why does modern man suffer cavities that destroy teeth in a matter of a few years? Why, as a children's dentist, do I see teeth totally destroyed, disintegrated, in as little as 2 years?
Are you aware that cavities were not an issue for the average man until about 250 to 300 years ago? Towns and villages didn't need a dentist because average folks didn't get cavities. Interesting?
But wait. There are archeological findings of jewels being used to fill cavities in king's and pharaoh's teeth. Indeed. Pharaohs had cavities and they had a dentist in the royal court. And why? Because they also had the money to import sugar with their spice. So pharaohs and kings paid the price for their indulgences, both financially and in the discomfort of dental disease and the rudimentary level of dental science. Ouch!
So, a few hundred years ago world shipping technology and capacity made sugar easily available in the commercial world and the price came down. Common citizens could afford the sugar and white flour that previously was available only to the elite class. Alas! Cavities arrived as a scourge for the average person. The profession of dentistry for the whole "civilized" population emerged.
An interesting story today. In the spring 2013 I was in Argentina doing volunteer dental work in a remote area. When we arrived we did dental work for the people in the town that held the Catholic Mission, our host. In 2 days, along with the many fillings we did, we removed nearly 200 abscessed teeth. The next few days we traveled to remote church sites an hour away on dirt roads. There we did mostly small conservative fillings, very few extractions and scores of examinations for people with beautiful smiles and no cavities. The difference? The town folk have easy access to sweets, refined foods and sweet beverages. The folk at the remote areas ate the foods they grew themselves! REAL FOOD. REAL TEETH. NO CAVITIES!
Are you aware? Average USA per capita consumption of sugar, sucrose and fructose (not including honey, maple syrup), rose 160% from 1967 to 2007. Is it any wonder the declining cavity rate of the mid 20th century changed dramatically and by the mid 1980's was rising drastically? The rate of cavities per child has risen 30% every 10 years for the last 30 years. It is still rising at this alarming rate.
Are you willing to look at what you are doing for dental health? Would you like your child's teeth to be perfect for several thousand years? I have no cavities thanks to good diet and habit guidance by my parents. I have 3 children and a grand child with no cavities. Make a healthy choice for your children.
Sure!! No way! Really? So just think about it. We have jaws full of teeth from Neanderthal Man, and from Cro-Magnon Man, and countless other pre-historic cultures. Perfect teeth with no cavities that are thousands of years old. So ... Why does modern man suffer cavities that destroy teeth in a matter of a few years? Why, as a children's dentist, do I see teeth totally destroyed, disintegrated, in as little as 2 years?
Are you aware that cavities were not an issue for the average man until about 250 to 300 years ago? Towns and villages didn't need a dentist because average folks didn't get cavities. Interesting?
But wait. There are archeological findings of jewels being used to fill cavities in king's and pharaoh's teeth. Indeed. Pharaohs had cavities and they had a dentist in the royal court. And why? Because they also had the money to import sugar with their spice. So pharaohs and kings paid the price for their indulgences, both financially and in the discomfort of dental disease and the rudimentary level of dental science. Ouch!
So, a few hundred years ago world shipping technology and capacity made sugar easily available in the commercial world and the price came down. Common citizens could afford the sugar and white flour that previously was available only to the elite class. Alas! Cavities arrived as a scourge for the average person. The profession of dentistry for the whole "civilized" population emerged.
An interesting story today. In the spring 2013 I was in Argentina doing volunteer dental work in a remote area. When we arrived we did dental work for the people in the town that held the Catholic Mission, our host. In 2 days, along with the many fillings we did, we removed nearly 200 abscessed teeth. The next few days we traveled to remote church sites an hour away on dirt roads. There we did mostly small conservative fillings, very few extractions and scores of examinations for people with beautiful smiles and no cavities. The difference? The town folk have easy access to sweets, refined foods and sweet beverages. The folk at the remote areas ate the foods they grew themselves! REAL FOOD. REAL TEETH. NO CAVITIES!
Are you aware? Average USA per capita consumption of sugar, sucrose and fructose (not including honey, maple syrup), rose 160% from 1967 to 2007. Is it any wonder the declining cavity rate of the mid 20th century changed dramatically and by the mid 1980's was rising drastically? The rate of cavities per child has risen 30% every 10 years for the last 30 years. It is still rising at this alarming rate.
Are you willing to look at what you are doing for dental health? Would you like your child's teeth to be perfect for several thousand years? I have no cavities thanks to good diet and habit guidance by my parents. I have 3 children and a grand child with no cavities. Make a healthy choice for your children.
70th Anniversary of the Meadow Vista Friendly Neighbors
Submitted by Catherine Williams, MVFN Vice President
On January 7, 1944, Mrs. Irene Ross, called together a small group of neighborhood ladies to meet in the old one-room schoolhouse and suggested starting a club that became The Meadow Vista Friendly Neighbors Club with the motto “Local People Helping Local People”. The first officers were Mrs. Jean Wegmann, Mrs. Jean Keiler, Miss Madge Harding and Mrs. Elizabeth Camenisch The schoolhouse was formerly located right where the Placer Hills Fire Department now stands in Meadow Vista. The Club's first project was to help improve conditions in the little schoolhouse, which had only 14 pupils by washing tin drinking cups, install window screens, install cheerful curtains, and purchase indoor games. Over the years the club grew and has been involved in many community projects always there to help someone in their time of need. To accomplish all these projects, the club held many fundraisers such as box socials, armature shows, dinners, sold snow cones and cup cakes to name a few .
When the Christmas Food and Toy Basket Program first started back in the early 1950's, there were only seven families in need of help. Over the past few years, the numbers have grown to at least 120 families. A few of our current fun-filled and rewarding activities include:
• Christmas Food and Toy Basket Program/Shoe Gift Cards
• Help Sponsor Free Water Safety & Swim Classes (Jun 13, Jul 17 & Aug 6)
• Help prepare Mothers Day Flowers for Lions Club Breakfast
• Help Applegate Food Closet
• Booth at Pioneer Day
• Help with Skeet Reese's Kids Fishing Day, M.V. Pond
• Christmas Basket Fundraiser Pancake Breakfast in November
• Emergency Assistance When Needed
• Spring Lunch Bag Project
The Club meets at the Meadow Vista Grange Hall on the 4th Wednesday of the month, 11:30 a.m., Social Time/Delicious Luncheon/Speaker/General Meeting. For information call: 530-878-6117, 637-5359
On January 7, 1944, Mrs. Irene Ross, called together a small group of neighborhood ladies to meet in the old one-room schoolhouse and suggested starting a club that became The Meadow Vista Friendly Neighbors Club with the motto “Local People Helping Local People”. The first officers were Mrs. Jean Wegmann, Mrs. Jean Keiler, Miss Madge Harding and Mrs. Elizabeth Camenisch The schoolhouse was formerly located right where the Placer Hills Fire Department now stands in Meadow Vista. The Club's first project was to help improve conditions in the little schoolhouse, which had only 14 pupils by washing tin drinking cups, install window screens, install cheerful curtains, and purchase indoor games. Over the years the club grew and has been involved in many community projects always there to help someone in their time of need. To accomplish all these projects, the club held many fundraisers such as box socials, armature shows, dinners, sold snow cones and cup cakes to name a few .
When the Christmas Food and Toy Basket Program first started back in the early 1950's, there were only seven families in need of help. Over the past few years, the numbers have grown to at least 120 families. A few of our current fun-filled and rewarding activities include:
• Christmas Food and Toy Basket Program/Shoe Gift Cards
• Help Sponsor Free Water Safety & Swim Classes (Jun 13, Jul 17 & Aug 6)
• Help prepare Mothers Day Flowers for Lions Club Breakfast
• Help Applegate Food Closet
• Booth at Pioneer Day
• Help with Skeet Reese's Kids Fishing Day, M.V. Pond
• Christmas Basket Fundraiser Pancake Breakfast in November
• Emergency Assistance When Needed
• Spring Lunch Bag Project
The Club meets at the Meadow Vista Grange Hall on the 4th Wednesday of the month, 11:30 a.m., Social Time/Delicious Luncheon/Speaker/General Meeting. For information call: 530-878-6117, 637-5359
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