#dickclark #timessquare Saw the Ball Drop and Dick Clark ! Happy New Year and Good night!

#texasmortagenews Low Mortgage Rates to Begin 2011 - Treasury auctions had the greatest influence on mortgage rates this week. During 2010, mortgage rates dropped to record low levels, before moving higher over the final two months of the year.

#lifelessons Always tell the Truth since it never changes. Be kind and compassionate on how you deliver it though!

Is it me or is there something wrong about turning on an AC in December? Haven't had our house AC on since Late October and only got to 68 in the house today but there are folks in the area running their house AC. Weird!

#lifelessons You can get results or excuses but not both. "All problems become smaller if you don't dodge them but confront them." WM Halsey

#amtrak if they go where you want to go fares <= to airlines & you don't pay extra for bags http://ping.fm/6eiaI #wontfly.

#USDAUnderwriting Updates to rules w/ 11 biggies that you need to know about - especially if already been pre-qualified. Call me for updates so we can review USDA clients you are working with, who may have pre-qualified under “old” rules!

#positivethought It is better to have passionate faith than Knowledge that you can do it

Here are some GREAT rebuttals to use when your seller wants more for their house than you have valued it at with your CMA.http://ping.fm/5qkQc I've talked to many real estate agents lately and this is something that we can all use.

#tronlegacy #tron Visually stunning brooding like #darknight not as depressing #draftpunk music ok not as innovative as #wendycarlos script they should have named the movie Flynn & Not Tron Legacy. You see very little of Tron and has very little to do w/ story if you loved original you will find this one visually great but lacking in character development & plot. Animation of Clu doesn't make if out of uncanny valley

#fharepairs FHA purchase w/ required repairs but seller won’t fix? Roll costs into mortgage if appraised value is > than sales price. Remember: Only weather-related repairs can be escrowed. All other repairs must be completed before closing

#businessresolution Write Personal Notes. With the internet and Texting no one writes any more. Be Different! Be a Rebel! Be Remembered!

What was your last job before becoming a Realtor?

#businessresolution Implement ONE Marketing Strategy completely BEFORE moving on to another

#businessresolution Have a SW-SW-SW-WN Attitude - Some Will, Some Won't, So What & What's Next?

Here are some GREAT rebuttals to use when your seller wants more for their house than you have valued it at with your CMA.http://ping.fm/hJSlZ I've talked to many real estate agents lately and this is something that we can all use.

Pepper Pot Day commemorates the creation of this thick spicy soup, served to the Continental Army during the cold, harsh winter of 1777-1778

#businessresolution You only Control 2 things. 1 How many people you speak to & 2 How Well you speak

TDHCA Bond 77 Low Rates Exaust funds - Bond 77 has given Texans access to low interest rate down payment assisted lo... http://ow.ly/1aE2Ac

Awesome article on personal branding and how to do it the right way. If you have any articles feel free to share here http://ping.fm/pZLfe

#businessresolution Always tell the Truth since it never changes. Deliver it professionally and politely.

#businessresolution Practice the 5 "M"s More Meetings Mean More Money - The more people you meet the more money you will make

Realtors DYK there are still Tax Credits Avail Buyers in Texas? If You Would Like more info on this just comment here & I'll get it to you

#businessresolution You can get results or excuses but not both

Agents, do you have a plan in place that attracts businesses in the community to refer to you almost exclusively? This is huge!! Ask me how to become king in your community!

#businessresolution sharing business planning tips the next two days while I take this time to reflect and plan for 2011 to help you

Texas Vet Loans surge to 4.53% interest in Conroe for the week of 12/27 to 12/31/2010 http://ow.ly/1aCXil

Realtors DYK there are still Tax Credits Avail Buyers in Texas? If You Would Like more info on this just comment here & I'll get it to you

Merry Christmas - Gloria in Excelsis Deo

Merry Christmas Everyone! Remember our troops. We can have a Silent night because our Troops Fight for our Freedom! http://ping.fm/RVMqK

#endoftheworld Ok things are just weird with the weather! I just picked edible Okra on Christmas eve off a plant that should have been retired by now. Oh gosh someone please tell me that Al gore is not coming to Christmas dinner. He'll be insufferable! Maybe if I put Christmas lights on the Okra plant everyone will think it's a Christmas tree.

Looking forward to celebrating the 12-days of Christmas until Epiphany. It is so nice that the weather is now feeling like Christmas!!!

Realtors DYK there are still Tax Credits Avail Buyers in Texas? If You Would Like more info on this just comment here & I'll get it to you

Just got a Copy of the Latest Space Battleship Yamoto Live Action Movie soundtrack Available only in Japan. If you love classical/operatic music. The orchestration is similar to what Eidleman did in ST IV, Scott did in Final Countdown and is better than Star Wars. The late Jerry Goldsmith is the only composer that is this good! Originally composed in the mid 1970s the work continues to be a favorite of mine.

#santaclaus only 5 hours until Santa Launches! Look for him on the Santa Tracker! http://ping.fm/b3ysr

Whew. Finished my Christmas Cards Yesterday!. Thank goodness for Peel and Stick Stamps and envelope sealers or my tongue would be really tired and I couldn't taste anything for days! LOL

#positivethought A single Thought triggers many Like thoughts

Free Download of Victory at Sea Remastered in HD http://ping.fm/GGpMh

Here is a nice handout you can give to sellers to help them prepare homes to make the very best impression on buyers http://ping.fm/6m4bv with Spring coming something to have on hand for your sellers!

Wells Fargo Exits Wholesale Lending. If you are currently working with a Broker check to see if your investor is Wells Fargo. Ask your broker for options. If you need help we would be glad to assist you.

Realtors DYK there are still Tax Credits Avail Buyers in Texas? If You Would Like more info on this just comment here & I'll get it to you

National Date Nut Bread Day is today. No it;s not Date a Nut Day! Enjoy a tasty bread for the holidays. Save room for Christmas Dinner!

Here is a nice handout you can give to sellers to help them prepare homes to make the very best impression on buyers http://ping.fm/qKm3i

#lunareclipse boy what a difference 24 hours makes. Perfectly clear this evening. Oh well better luck next time. At least I was able to get a few fleeting glimpses so I can put on my once in a millennium bucket list!

Did you know you can get alerts on any topic from Google? Whether it's news or web , you can put in a filter and Google will send you a feed daily or weekly. So, you can follow news or discussions in your community or you can just use it to follow something of interest. Let me know if you need help!

#realtortip Tuesday "Staying Present will avoid fear AND all of your power comes from this moment." Focus on what you want!

Awesome article on personal branding and how to do it the right way. If you have any articles feel free to share here http://ping.fm/qKfix

#lunareclipse In case you missed it here a list of upcoming Lunar Eclipses http://ping.fm/HCO09

If you are up Late tonight you can See a Total Lunar Eclipse during the Winter Solstice! COOL! http://ping.fm/AENks

See Fliers on our Facebook page on lending programs. Just click on the Files Tab on our page at: http://ping.fm/7lJlG

Lease Options Be a Hero to Sellers & Buyers Alike. Here is a free ebook compiled from your Feedback that I received http://ping.fm/Bnm4b

Weekly Poll: Do you Specialize in FTHBs or existing? Comment w/ City & County in Texas & I'll let you know what Grant programs are available

Appalling Networking habit #7: False Limitations, Believing that there is only a certain time & place for networking.

Have you set up your Google profile yet? Full suite of tools for real estate professionals. As a Certified SN Professional I'm glad to help. You can reach prospects at all stages of their home search. Some are FREE! Check it out and let us know what you think ... PS. I can help you with a lot of this stuff!!

Did you know you can get alerts on any topic from Google? Whether it's news or web , you can put in a filter and Google will send you a feed daily or weekly. So, you can follow news or discussions in your community or you can just use it to follow something of interest. Let me know if you need help!

TDHCA Bond 77 Low Rates Exaust funds - Bond 77 has given Texans access to low interest rate down payment assisted lo... http://ow.ly/1aw3au

Going.. Going Gone... Texas Down payment Assistance Bond 77 Low Rates Exausts funds http://ow.ly/1aw3cg

Have you set up your Google profile yet? Full suite of tools for real estate professionals. As a Certified SN Professional I'm glad to help. You can reach prospects at all stages of their home search. Some are FREE! Check it out and let us know what you think ... PS. I can help you with a lot of this stuff!!

#mortgagemarketreview market blowup seems to have topped. Low-fee mortgages hit 5.125% this week. 1% increase in 1mo rates to fall aft 1st of the year. It's a great time to pre-qualify and shop but until the first of the year when the experienced traders come back a lousy time to lock a rate for longer than a few weeks. If you are closing w/in the next 30-days you should alredy have locked your rate in.

Here's a great real estate book that you can use. Nothing is sold in this book. Contact me and I can customize it for you http://ping.fm/A884X Makes a great link on your facebook page or website. You can Print it up and have it bound with your information and picture to put on your desk.

Weekly Poll: Do you Specialize in FTHBs or existing? Comment w/ City & County in Texas & I'll let you know what Grant programs are available

Realtors dealing with marketing that is not getting results? This Vid helps get perspective. We can help http://ping.fm/Ub7lP

#positivethought If you Believe your Beliefs and you believe in your purpose....you're unstoppable

#bankruptsyhomeloan On chap 13 the time is now 48-mos from dismissal or 24-mos from discharge. FHA & VA have different rules contact for more. A special not is that after a Bankruptcy it is critical that you have absolutely No lates whatsoever. If you do it complicates the process greatly so be prepared.

Free Fliers for Realtor and Their Open houses for the Veteran Tax Credit Extension to 2011 http://ping.fm/jOFe3

Here's a great real estate book that you can use. Nothing is sold in this book. Contact me and I can customize it for you http://ping.fm/k9dlN Makes a great link on your facebook page or website. You can Print it up and have it bound with your information and picture to put on your desk.

Today is Bill of Rights Day celebrate your American Citizenship, and spend a few minutes reflecting upon the freedoms that you enjoy

Weekly Poll: Do you Specialize in FTHBs or existing? Comment w/ City & County in Texas & I'll let you know what Grant programs are available

#shortsaleloan Conv Loans Short Sale is now a Significant Event. Contact me for new rules of either 2 or 4-years when you can apply for loan. FHA, & VA have different rules and are easier to get a loan with than conventional loans. I have flier that shows you the difference contact me for a copy.

Appalling Networking habits - For those who have been following and would like to read more just message me and I can send you more material

#realtortip Tuesday "Ask and you shall receive, Seek and you shall find" The challenge is we keep wasting wishes on stating what we don't want.

Lease Options Be a Hero to Sellers & Buyers Alike. Here is a free ebook compiled from your Feedback that I received http://ping.fm/yN7q1

Send a card to our Vets thanking them for their service. For Free http://ping.fm/MtCpI

Lease Options Be a Hero to Sellers & Buyers Alike. Here is a free ebook compiled from your Feedback that I received http://ping.fm/zyrgj

Appalling Networking habit #7: False Limitations, Believing that there is only a certain time & place for networking. Best to Network always. It's like they have blinders on about there is only a certain amount of time in a certain room for so many minutes. You can network anywhere elevators, buses, supermarkets, parks & etc. Don't limit yourself because that person you meet in a public place may be a customer!

If you are an American and you are not bawling by the end of this you are just not human. Very moving tribute to Vets http://ping.fm/rvlXZ

#homeforeclosure Conventional Loans as of 12-1-2010 requiring waiting 7-yrs aft a foreclosure in some cases to apply for mortgage. Gov't loans a Lot less contact me for flier comparing your options if you are in this situation.

Appalling Networking habit #6: Thinking Small Talk is for Suckers. Breeze through a conversation & ask for referral & don't even know...

Poll:Survey shows 95% of lenders never call client after Close. Do you want to work w/ lender that follows up & refers clients back to you?

Appalling Networking habit #6: Thinking Small Talk is for Suckers. Breeze through a conversation & ask for referral & don't even know them.. Has this happened to you? A person introduces themselves and talks about themselves and then asks for a referral. Aren't you thinking "Refer you? I don't even know who you are." Reciprocating self-disclosure is the most effective way to build rapport & ultimately develop trust.

Texas Vet Rates hanging below 4% in Woodlands TX for the week of 12/13 to 12/17/2010 http://ow.ly/1apxWW

Cool! On Monday, December 13, 2010, the United States Postal Service is honoring President Ronald Reagan http://ping.fm/UDYQi with a Centennial Postage Stamp. At this event, the artwork for the stamp will be unveiled.

Excellent FREE service to provide Custom messaging on cell phone & you can route to assistant to handle automatically http://ping.fm/KtaFL

#vafprclosure VA is still ‘old school’ on short sales. Treated same as foreclosures & require a 2-year wait from date of the short sale

#FHAJobrequirements Banks not confident about economy no longer following HUD. Job Gap of > 30-days you must be on job for >= 6-months to qualify. The old HUD Rule was if you were off the job for 6-months you had to be back for 6-months to count the income. This is regardless of the reason for the gap so if you take > 30-days of family leave you have to be back on the job for 6-months to use your income to qualify

Free Fliers for Realtor and Their Open houses for the Veteran Tax Credit Extension to 2011 http://ping.fm/T9L7j

Texas Vet Loans hanging below 4% interest in Shenandoah for the week of 12/13 to 12/17/2010 http://ow.ly/1apahg

Texas Vet Loan Rates in Montgomery TX 3.83% for the week of 11/29 to 12/03/2010 http://ow.ly/1aoNxy

#fanniefreddie2ndhome If you know these rules, & loopholes when clients want to buy another home w/o selling the 1st one, you'll close...

Appalling Networking habit #6: Thinking Small Talk is for Suckers. Breeze through a conversation & ask for referral & don't even know

Want to return call but only have a min? Free service will drop you into receivers Cell voicemail & leave a message. http://ping.fm/tlEju

Realtors, during the Holidays you'll get lots of leads. Free gift how to sort through list & toss out CRAAP & keep good! http://ping.fm/EsCMw

Not free but Close to it. Get Viral Business to hand out for Christmas. Good for Houston & Surrounding areas http://ping.fm/HrcKf

#realtortip For a Thought to become Real, it must slip past the gate keeper that resides behind the unconscious and conscious mind.

Quick Free 1pg tip sheet tor Realtors to share w/ Buyers that can get that deal to close faster http://ping.fm/drt3x

#vafprclosure VA is still ‘old school’ on short sales. Treated same as foreclosures & require a 2-year wait from date of the short sale

Here's a quick Free 1pg tip sheet tor Realtors to share w/ Buyers that can get that deal to close faster http://ping.fm/OTANp

Thursday Thought: Gratitude is the Magic toward getting More. Who have you thanked today?

Great FREE service to provide Custom messaging on cell phone & you can route to assistant to handle automatically http://ping.fm/r5eYo

#TXVAHomeLoan VA Allows buying Home before returning to regular job If you're a Vet in Guard or Reserve returning http://ping.fm/McRUI

Excellent FREE service to provide Custom messaging on cell phone & you can route to assistant to handle automatically http://ping.fm/YJnDm

Poll:Survey shows 95% of lenders never call client after Close. Do you want to work w/ lender that follows up & refers clients back to you?

National Brownie Day celebrates chocolatey, chewy brownies. Brownie lovers, love chocolate. Conversely, chocolate lovers, love brownies.

#fanniefreddie2ndhome If you know these rules, & loopholes when clients want to buy another home w/o selling the 1st one, you'll close more. CAUTION: Rules for converting current home to rental property are complicated. Ask me so you can ALSO pass on to people who fall into this category.

I remember when I first herd the song in this video. It was @ Arizona Capitol at December 7th Ceremonies http://ping.fm/vuPEz We must Remember There is a very moving memorial to our service people there and that is a Bottle of Champagne with two glasses to be opened and drank by the last two living survivors of Perl Harbor. Every time I pass the case where the bottle and glasses are on display it is very bittersweet.

#HUDforeclosureinvestors In an effort to get investors to buy foreclosures, a moratorium until 2-1-11. But there are "catches"..............Just a few: arms-length; market on MLS, document re-sale price if more than 20% of purchase price, etc. Ask for details and let your investors now there are some deals out there.

Appalling Networking habit #6: Thinking Small Talk is for Suckers. Breeze through a conversation & ask for referral & don't even know them.. Has this happened to you? A person introduces themselves and talks about themselves and then asks for a referral. Aren't you thinking "Refer you? I don't even know who you are." Reciprocating self-disclosure is the most effective way to build rapport & ultimately develop trust.

TDHCA Bond 77 Down Payment assistance Lot 4 Details http://ping.fm/iY9a7

Applying for a Mortgage? Dispute negatives on credit to get a good rate…NOT! http://ping.fm/vdeVM

Buying a Home with a Texas Vet Loan http://ping.fm/29QPD

#positivethought For a Thought to become Real, it must slip past the gate keeper that resides behind the unconscious and conscious mind.

#homeloancredit Because there is a lot of “mis” information out there, contact me for flier entitled, Credit Repair: Fact or Fiction

#homeloancredit Because there is a lot of “mis” information out there, contact me for flier entitled, Credit Repair: Fact or Fiction

Appalling Networking habit #5: Sitting with the Wrong Company. Don't sit w/ people from your own company this creates a standoffish attitude. You see these people every day and you put off the people who are on the outside looking in. The point of networking is to meet and learn about how you can help others. This is also not good at increasing your brand visibility which is YOU!

#usdahomeloantexas USDA is back in business w/ MORE money for 2011. 100% financing and no Monthly MIP/PMI! Also lowered fee for refinances

When marketing, it's important to know the 5 W's and H. Who are you marketing to, What is your strategy, Where will you post it, When will you post it, Why you are doing what you are doing and How you are going to accomplish it (technology). I have some great ideas that are producing lots of leads. Texas Real Estate Agents let me know if you are interested.

Thursday Thought What begins with Imagination, must be followed by intention. Intention shifts imagination from a day dream to a blue print

Appalling Networking habit #5: Sitting with the Wrong Company. Don't sit w/ people from your own company this creates a standoffish attitude. You see these people every day and you put off the people who are on the outside looking in. The point of networking is to meet and learn about how you can help others. This is also not good at increasing your brand visibility which is YOU!

When Giving Tech this year remember if you are replacing a broken computer don't give it to charity they can't fix it! http://ping.fm/0bQdA

Buyers quick flier on 12 Myths Credit Bureaus want you to believe. It can make or break your your Home Loan http://ping.fm/aqPG6

When marketing, it's important to know the 5 W's and H. Who are you marketing to, What is your strategy, Where will you post it, When will you post it, Why you are doing what you are doing and How you are going to accomplish it (technology). I have some great ideas that are producing lots of leads. Texas Real Estate Agents let me know if you are interested.

Appalling Networking habit #4: Unprofessional Information. Having a card contain unprofessional information. Make your email professional!! Have you ever received someones card with an ambiguous, offensive or questionable email with AOL, Hotmail or yahoo?. Domains are cheap. You can even have a Blog put up for free. To Register a domain just go to a site like http://ping.fm/fD868 which is cheaper than GoDaddy

Want to return call but only have a min? Free service will drop you into receivers Cell voicemail & leave a message. http://ping.fm/Mo8eQ

Weeks poll: Lease / Options Do you Love them, Hate Them, See them as an opportunity or ? I'm writing an article & I'd Like your Feedback

Eat a Red Apple Day is today. We hope you eat an apple today, and every day! You know the old saying so keep healthy and have an apple!

Appalling Networking habit #4: Unprofessional Information. Having a card contain unprofessional information. Make your email professional!! Have you ever received someones card with an ambiguous, offensive or questionable email with AOL, Hotmail or yahoo?. Domains are cheap. You can even have a Blog put up for free. To Register a domain just go to a site like http://ping.fm/BrFIK which is cheaper than GoDaddy

Realtors, during the Holidays you'll get lots of leads. Free gift how to sort through list & toss out CRAAP & keep good! http://ping.fm/XfA8Z

Not free but Close to it. Get Viral Business to hand out for Christmas. Good for Houston & Surrounding areas http://ping.fm/FLceu

#realtortip Tuesday "Want to Feel good, Simply think about what you want. When you Feel bad, you are thinking about what you don't want"

Texas Vet Loan Rates in Conroe still holding below 4% for the week of 11/29 to 12/03/2010 http://ow.ly/1adJ2C

Not free but Close to it. Get Viral Business to hand out for Christmas. Good for Houston & Surrounding areas http://ping.fm/ZMzRa

Want to get your leads emailed to you automatically? Want your own "on-line" university that produces these leads? Ask me how to generate leads while you are doing what you do best - selling!!

Appalling Networking habit #3: Dealing the Deck. Dangerous and it happens all of the time people giving out 100 or their cards in 5 minutes. This is guaranteed to make people feel puny and insignificant because you act like you don't care and it's real obvious. The person just deals out cards, doesn't ask for yours and moves on to the next person not even making eye contact with you.

Those that Enjoy Classical Music w/ a Little Programmatic theme these soundtracks are a good addition to your collection http://ping.fm/UW58H I ordered them from Japan and having them shipped here and they are a LOT cheaper than ordering them here and having them shipped here. How crazy is that! Anyway I got My Christmas Present early. Didn't even have to go through the black Friday Challenges!

Now THIS is the weather that I've been looking forward to! Very nice. 40 degree drop from yesterday! Wish it would stay!

Good Golly Miss Molly! Going to be a wee bit Nippy this evening in Conroe. Tomatoes will have to go to bed wearing blankets!

Appalling Networking habit #3: Dealing the Deck. Dangerous and it happens all of the time people giving out 100 or their cards in 5 minutes. This is guaranteed to make people feel puny and insignificant because you act like you don't care and it's real obvious. The person just deals out cards, doesn't ask for yours and moves on to the next person not even making eye contact with you.

A spooked turkey can run at speeds up to 20mph. They can also burst into flight approaching speeds between 50-55 mph in a matter of seconds. Now that's what I call Real Fast Food. Just goes to show If a Bumble Bee Can Fly a Turkey can to if No one tells it that it can't! With that my FB Friends I hope you had a wonderful Thanksgiving Day with your family!

Columbus thought that the land he discovered was connected to India, where peacocks are found in large #s. He thought Turkeys were Peacocks! And he believed turkeys were a type of peacock (they’re actually a type of pheasant). So he named them “tuka”, which is "peacock" in the Tamil language of India

Twenty percent of cranberries eaten in the U.S. are eaten on Thanksgiving

Turkey is traditional dish for the Thanksgiving feast. no official reason or declaration. Just happened to be the most plentiful at the time

More than 40 million green bean casseroles are served on Thanksgiving. And parents winder why Children develop an aversion to the stuff!

The Guinness Book of Records states that the greatest dressed weight recorded for a turkey is 86 lbs now just imagine fitting it in the oven

Benjamin Franklin wanted the national bird to be a turkey

Thomas Jefferson thought the concept of Thanksgiving was "the most ridiculous idea I’ve ever heard."

91% of Americans eat turkey on Thanksgiving Day.

Turkeys have heart attacks. When the Air Force was conducting test runs and breaking the sound barrier, fields of turkeys would drop dead.

Happy Thanksgiving! I can't say it better than Ronald Reagan. Blessings to you and your family from Ours! http://ping.fm/IG4GI

Americans feast on 535 mil #'s of turkey on Thanksgiving. According to USDA, > 45 mil turkeys are cooked & eaten in the US at Thanksgiving

The very first Macy's Thanksgiving Day parade in 1924 didn't have balloons. Instead, real live animals were borrowed from Central Park Zoo.

Today In honor of Thanksgiving I'm going to Tweet some interesting Facts I hope you all enjoy!

Maximize your online Black Friday shopping! Also details on when stores will begin their online BF sales! Info @ http://ping.fm/kaMGR Good reason to avoid the crowds! Great resource!

Appalling Networking habit #2: Digging the Well WHEN you are Thirsty. Excellent networking book Dig Your Well Before You're Thirsty by McKay. Networking is the development and Maintenance of mutually valuable relationships OVER TIME. You cannot expect to come into loads of business or potential clients w/out developing the relationships first.

Leaves just started to turn on big Oaks. Got Tree Fertilizer spikes so I'll give them a Feast today before they sleep for the winter!

Believe it or not there is no special day today so we can celebrate the safe return of Apollo 12 ending the 2nd manned mission to the Moon

Appalling Networking habit #2: Digging the Well WHEN you are Thirsty. Excellent networking book Dig Your Well Before You're Thirsty by McKay. Networking is the development and Maintenance of mutually valuable relationships OVER TIME. You cannot expect to come into loads of business or potential clients w/out developing the relationships first.

(Investment Properties) If you know the rules, & loopholes when clients want to buy another home w/o selling theirs, you'll close more deals. CAUTION: Rules for converting current home to rental property are complicated. Ask me for help so you can ALSO pass on to people who fall into this category.

Appalling Networking habit #1: Attitude - It is all about Me and the networker cannot spell NETWORKING without an "I". Think & Listen first! Take the tome to help and listen first then share with others how you can help them. If you can't help them you didn't hard sell someone who couldn't use your services. People want to get to know one another and talking business only is a turnoff to people in social settings

Want to return call but only have a min? Free service will drop you into receivers Cell voicemail & leave a message. http://ping.fm/4wkmF

(Removing PMI or MIP) Did you know once a loan reaches 78% of it's original appraisal value, MI is dropped ? FHA and Conv a little Different - (if the mtg payments are current). For FHA, must pay for min. 5 yrs AND 78% LTV based on original value. Rules are different for 15 yr term. Ask me for complete details!

Texas Vet Loan Rates in Conroe still below 4% for the week of 11/22 to 11/24/2010 http://ow.ly/1a6Z00

Special Series starting this week. Habits of Absolutely Appalling Networkers. During this season rules to keep you networking Effectively to grow your business

Texas Vet Loan Rates still below 4% for the week of 11/22 to 11/24/2010 http://ow.ly/1a55it

Farmers' Almanac says today is best to Cut Firewood, Dig Holes, Wax Floors, Paint, Get Married, Advertise to Sell, Buy Clothes

Texas Vet Loan Rates in Conroe still below 4% for the week of 11/22 to 11/24/2010 http://ow.ly/1a4FY1

(USDA) Heard at Network event that many think USDA is not funding or closing loans & program is dead. Not True we're funding them right now. Texas Realtors if your Lender doesn't want to close your USDA Loans then we'll gladly close them for you.

Texas Vet Loan Rates are 3.51% for the week of 11/15 to 11/19/2010 http://ow.ly/1a38Yb

Thursday Thought "Staying Present will avoid fear AND all of your power comes from this moment." Focus on what you want!

(USDA) Income limits increased. Total income can be higher because of deductions allowed. Contact me for Deductions Allowed By USDA.........Leave comment for info on where to check or we do it for your buyer automatically.

Here is a Great video on what happens to your old marketing strategies when you have social Media and the internet. http://ping.fm/uEeKV ... Message below if you are a Realtor in Texas and would like some free tools to generate leads from your existing marketing

There is nothing worse than having limited knowledge about the home loan process prior to purchasing. Free Online Classes http://ping.fm/e7mbX We have free online seminars several evenings a week. Check out our home buyer workshops and get the Information Guidance of a Certified Mortgage coach to educate you to what you need to know.

Bakers of the world, rise up and bake some bread, for today is Homemade Bread Day. It's also Healthier for you! You Knead to do this!

Texas Vet Loan Rates are 3.51% for the week of 11/15 to 11/19/2010 http://ow.ly/1a0HX6

(VA) Did you know that the 4% seller-concessions does NOT include closing costs OR points? Contact me for what's legal and what's not!..... When negotiating VA contracts keep this in mind, Oh, and seller can also pay off veteran's debts.

Realtors NAR Giving away $5k if you Share a Holiday Video! http://ping.fm/dfMcp

Realtors, Need help w/ Social networking? Use a Certified Hootsuite Professional. What's Hootsuite? Contact me for info.

Farmer's Almanac says today is best to Cut Firewood, Castrate Farm Animals, Dig Holes, Wean, Potty Train, Paint, Host a Party

It's Official to help my Realtor Friends I have attained a Social Networking Certification as a Hootsuite professional http://ping.fm/igtvO

Remember today is Veterans Day. Say "Thank YOU for your service" to EVERY Vet you meet EVERY DAY your freedom depends on them!

Thursday Thought "Ask and you shall receive, Seek and you shall find" The challenge is we keep wasting wishes on stating what we don't want.

USMC Day celebrates the birth of the United States Marine Corps. Thank a Marine today for your freedom and any other Vets today!

Hey Daylight Savings Time is Tomorrow. Don't forget to set you clocks back 1 hour.... unless your staying up until 2am

Farmer's Almanac says today is best to Cut Firewood, Cut Hair to Increase Growth, Mow to Increase Growth, Dig Holes, Wax Floors

Thursday Thought: "Fear is the most magnetic force in the universe. Focusing on your fears activates the Magnet. Don't do it!"

Housewife Day recognizes the importance of stay at home wives & moms. These wonderful women build & enrich strong family environments.

Just Posted On Active Rain: Texas Veterans Mortgage Rates for 01/22 to 01/29/2010 http://ping.fm/ZOiCG

Just Posted on Active Rain: Now is the Time To Purchase or Refinance http://ping.fm/Ouelb

Attended Greater Conroe / Lake Conroe Area Chamber of Commerce Breakfast Mixer. Lots of Fun on this cool morning. http://ping.fm/y0a5r

Joined Greater Conroe / Lake Conroe Area Chamber of Commerce http://ping.fm/hZdCs

Just posted on Active Rain, Texas Veterans Land Board Rates for 01/01 to 01/08/2010 http://ping.fm/6Lshy