#positivethought Fear is the most magnetic force in the universe, Gratitude is the mortal enemy of Fear. You cannot be grateful and fearful at the same time so choose your path wisely

#realestateagenttechtools Hey agents, here's a great site that will help you clean up your database! www.scrubly.com. Gives you a clean list that you can start marketing to on a regular basis. If you need help with content to send, let me know!

Don't miss out on " Take a Walk in the Park Day". It is an opportunity for exercise and relaxation. Its calming and therapeutic.

#realtortip Change is driven by 10% by external events and 90% by internal thoughts - It's not what happens to you it's what you think and DO about it that matters

#realtorbusinessplan Last tip for a business plan. #6 - Develop Your Marketing Budget. You can't spend what you don't have! You have to know what you need and where it will come from. I have several marketing ideas that won't cost you a dime! If you'd like to hear more, just comment below.

#positivethought If you have no will to change it, you have no right to criticize it. ~Author Unknown

#positivethought Odds are you will do what you just did again and again. If you do good you'll do good. If you act positively you will again act positively so break the negative habits

24 hours of video uploaded every minute, More Video is uploaded to Youtube in 60 days then all 3 US major networks created in 60 years. Agents in the North Houston, Montgomery County and Walker County Texas area I am looking for Agents to be featured on this site. Comment below if you are interested,

#FannieMaemycommunity Just wanted to mention a loan program that’s been around for a while but still and oldie and goodie. Call me for More info on the My Community Mortgage by Fannie Mae

#fhaoutbuildings If listing a home w/ a dilapidated building on the property, FHA may require that it be torn down and the debris removed

Absolutely Gorgeous Weather today in Conroe! Nice to have Spring weather. Seems like we went from Winter directly to summer. Not today!

#realtorbusinessplan Here's tip 5. Choose a marketing medium that gives you the highest return on your marketing dollar. This means that you want to choose the medium that delivers your marketing message to the most niche prospects at the lowest possible cost. Want a done for you marketing system? Comment below.

#mortgagenewsthisweek unlike last week there are events & data points everyday for bond & mortgage markets to consider expect volatility. Recent better than expected earnings reports & relaxing of concerns from Japan has boosted equity markets & interest rate markets are taking on a more negative (higher rates) pattern. Not looking for rates to move substantially higher but the recent dip in rates seems to be over

#greenlantern This is looking good. IMHO Nathan Fillon would have been better but eh! We'll give it a chance http://ping.fm/0yVbo

#howtochangeyouroil Well I wouldn't recommend this but I actually know people like this http://ping.fm/Bcrdg LOL and Sad all at the same time

#notetoself "I've failed over and over again in life. That's why succeed!" - Michael Jordan

Near Miss Day commemorates the day a huge Asteroid nearly missed hitting the earth In 1989 an asteroid the size of a mountain came w/in 500k Had it collided with the Earth, it would have left a crater the size of Washington, D.C. Another Near Miss came closer on 9/27/3003 an Approximately 10 meter in diameter asteroid, came within 54,700 miles of earth.

#notetoself Fear Stinks! Dogs smell it, bees smell it & your subconscious mind reacts to it. Go on that Positive thought Diet today & things will smell better!

#positivethought Your Choices are driven by your beliefs and your choices shape your destiny

#realtortip Success is just behind the door that most people wont open

#realtorbusinessplan Step 3. Pick a Niche - If you say that your target customer is 'everybody' then nobody will be your customer. The marketplace is jam packed with competition. Be selective and your business will grow! If you need help with some marketing tips to your niche, let me know.

#mortgagenewsthisweek Although Existing home sales are down. Both Japan and Libya seeming to be getting under control. The Treasury Announced that they would sell the remaining Mortgage backed securities in their portfolio. As a result of this the market began a sell off that has resulted in sharply higher rates. We also don't see any major decline this week

#woodlandsrealestate New Mobile Enabled Video Real Estate site for Properties in the Woodlands TX. Free to Realtors http://ping.fm/ujZto

#seamonstersantartica Goodness what if they find a Lake Monster down there! http://ping.fm/1Ffxr LOL

#thorthemovie Oh Boy this looks like Fun http://ping.fm/kpQ47 Looking forward to May 6th. Note bad karma to anger Odin!

#ccokiesforkids Very worthy Cause there was a lot of fight in this little guy but I guess God needed him more http://ping.fm/t9ml0

#mortgagenewsweekly week more about human nature than economics & markets. When Fukushima looked catastrophic, the fearful bought Treasurys & yields fell taking mortgages to new lows. Japan is now merely awful, the stock market drunks are back in charge, fright-money coming out of bonds & rates rising on the happy thought of war with Libya. Go figure. US economy, little has changed.

#positivethought A Plan without Passion is like a road trip with no gas

#notetoself "Never give in, never, never, never, never - in nothing, great or small, large or petty - never give in except to convictions of honor and good sense" - Winston Churchill

Freedom of Information Day celebrates and recognizes a valuable concept in human rights. Is the birth date of James Madison

#realtorbusinessplan Step 2. Know your customers. Until you know (1) who your customers are, (2) what they want, and (3) what motivates them to buy, you can't prepare an effective marketing plan. KEY - Don't confuse 'wants' w/ 'needs.' People don't necessarily buy what they need, but they'll most always buy what they want. Comment below if you need help.

#positivethought Life is a never ending series of tiny course corrections

#fhamipincrease FHA increasing mortgage insurance on 4/18 - False news this is tied to Appraisal ordering. Call us to get straight scoop and avoid the increase. Applies to ALL 15 & 30 year loans and down payment percentages.

#realtortip How do you Feel today? Your thoughts and body language should reflect your answer!!

#freddiemachomeloan Freddie now saying "interested party" contributions for Short sales part of 3% of sales concession. This means more out of pocket for buyer this reduces how much seller can contribute. Contribution are capped at a total of 3% These fees are now considered part of the contributions when the buyer is putting < 10% down

Whooee Gully Washer in Lake Conroe. Be careful out there! Hail and 40 mph Winds!

#realtorbusinessplan Starting series today on developing a business plan. 1st, know your market. A profitable market consists of people who have wants or needs that are unmet, so much so that they will jump to use your service or buy your listing. I have a couple of unique things that will help you stand out. Comment below and I'll be happy to help you

#pbsnewsherlock Watched this new series http://ping.fm/ifGo9 Normally don't like "modern" renditions of classics this is an exception. Very well done and entertaining and as with all good interpretations of the Holmes character you never see it coming in the end. This series is told ion the 21st century and keeps true to the Sir Arthur Conan Doyle character. Well done, Very well done!

#captainamerica I'm Glad they are keeping with the WW II Theme. This goes a long way to making this a good one http://ping.fm/GAOZJ

#positivethought Happiest people live a balanced life. w/out balance something will break... health, family, work or faith maybe not now but eventually.

#positivethought A loser need only be pushed down once, while a winner can fall a hundred times and get back up. Are you a winner or ?

#hornetalhirt Awesome performance that began every Episode so you were really in the groove when the action started http://ping.fm/Jf53O

Try to stay calm. Take a deep breath. For today is Panic Day. Can you handle today? Good, we were worried for a moment.

#notetoself "Every strike brings me closer to the next home run". - Babe Ruth - Sometimes the best days are the days you strike out!

#exportfacebook Ever wonder how to export everything you have on Facebook? http://ping.fm/nX8Qi Unfortunately no way to re import it. Yet...

#FHASeptic Realtors FHA requires public hook-up to well & septic (if they are available) & if it's FEASIBLE to do so. Call us for the definition of "feasible" because it may not need to be hooked up. Be proactive w/ every listing and you won't have any surprises or extra expenses

#niceeveningmusic Nothing Like Michael Crawford on a Misty Evening Awesome Talent! http://ping.fm/4deBP

#mutiunitFinancing FHA will allow the Financing of an owner occupied 2, 3 or 4-unit Properties with low down payments.

#positivethought You need a Plan everyday. If you aim at nothing you'll probably hit it

USDA Home loans getting more expensive in Walker County, TX - On February 3rd USDA Rural Development Announced that ... http://ow.ly/1bFXR2

USDA Home loans getting more expensive in Montgomery County, TX http://ow.ly/1bFYJK

USDA Home loans getting more expensive in South Texas - The USDA Home loan program is one of the best programs for t... http://ow.ly/1bFYJS

USDA Home loans getting more expensive in Texas - The USDA Home loan program is one of the best programs for true 10... http://ow.ly/1bFJ5j

#realtortip Customers buy based on emotions and then justify their purchase based on logic, so remember to include both elements in your marketing message. If you need help coming up with a message, let me know.

#realtortip Comfort Comes from Routine - If you are not comfortable in doing something you are supposed to. You need to do it more and break out. Don't mistake this for being in a Rut. If you are comfortable and are not getting the results you want then get UNcomfortable!

#mortgagenews We need a substantially higher # of new jobs each month given how many jobs have been lost during the recession/depression. “We’re heading in the right direction but far too slowly to make a real dent in unemployment,” Robert Reich & others have warned. “Big news isn’t jobs, it’s wages,” Reich asserts. NELP found that most new jobs created since 2-10 provide far lower wages than jobs they’re replacing

#tamefoxes Ever since this NOVA program http://ping.fm/aOBE0 I've been wondering how to help in this research. Now National Geographic did an article. Great News for this Russian Research project.

#mrbillsafety http://ping.fm/BP82E Hey it's Saturday night. I just had to go Retro! Be Safe out there Mr. Bill!

#williamshatnerschoolofacting I go back and watch this every so many years and I still crack up It's so bad! http://ping.fm/K0Z6z LOL!

#agentexpensetracker Agents - don't get killed by your expenses! It's critical in your Real Estate Agent career that you not only cover your real estate agent expenses, but your personal living costs as well. I have a great spreadsheet that will help you do this! If you want a copy, please comment below and I'll send it over!!

#mutiunitFinancing Fannie & Freddie will allow 95% financing for Owner Occupied Duplex under MyCommunityMortgage® or HomePossible® programs

#niceconroeweather Foggy this morning. Be careful on the roads. The fog has always been comforting to me and not creepy. Day or night.

Old Stuff Day is not a day to do the same stuff. Rather, it's a time to recognize the nature of your daily routine, & make exciting changes.

#realtorseo Agents, do you BLOG? If not, you are missing out on a huge aspect of Social Marketing. Posting on a Wordpress blog helps with site indexing and SEO. You can also link it to your Facebook and Twitter accounts. You can even use it to host your own internet TV show! Want to know more? Comment below.

#homeloandebt w/Fannie Mae only time you can ignore a debt by proving a 12-month payment history by a third party is the: Co-Signer of that debt, Self-employed borrower & the business pays debt, or court ordered.

#realtortip Until you value yourself, you won't value your time. Until you value your time, you will not do anything with it. M. Scott Peck

#quietevening Nice Evening on the Patio @ Sam's Boat on Lake Conroe with the Sweetheart. 48 Degrees with a small breeze. Lovin' it!

#positivethought Your Unjustified thoughts reveal your true character

#agentprofiles Agents, I am looking to do video interviews with Real Estate Agents on "What is Your Why?" Great way to gain exposure. Please comment below if you are interested.

#FHALeadpaint Only reason FHA appraiser requires Lead Based Paint Repairs is when a HUD REO property, constructed before 1978, is being purchased using FHA-insured financing. Call me for info on HUDs Lead-Based Paint Repair Rules

#realtorreferrals Agents, ever wondered how you can become referral partners with business owners all over your community? Comment below and I'll tell you just how you can.

#realtortip "When Focus meets desire and desire matches your purpose everything is possible."