Safe Assumptions You Can Make
Great words of wisdom passed on from a friend....
Most people realize that making assumptions is bad and can get you into some serious trouble. As the saying goes: “When you ASSUME, you make an ASS of U and ME.” Nevertheless, as humans we all tend to make them. So here are some “safe” ones … things you can feel okay in assuming:
• The e-mails you send will be seen by more people than those they’re addressed to.
• Things said “just between you and me” won’t stay that way.
• The time you pick to take a long break or lunch will be the same time your boss looks for you.
• The “minor” rule you choose to ignore will be the pet peeve of the manager that catches you.
• Call in sick so you can do something else and you will be seen by someone who knows you should be working.
• Treat one customer poorly and ten people will hear about it – including someone who has authority over you.
• Your ability to get “another job” will be directly related to how well you do on the job you have now.
• Whenever you think “no one will know,” someone will.
• Whenever you think “no one will care,” someone will.
• Whenever you think “it will never be missed,” it will.
• Whenever you think you’re as good as you need to be, you aren’t.
Tuesday, March 31, 2009
Thursday, March 12, 2009
Mortgage Updates....
One of my goals is to be a good source of real estate information; along with the occasional humor and articles of interest involving Long Beach.
Mortgage's right now is the number one concern for most people. Even people who rent are concerned as the trickle down theory happens to them as well.
This week’s C.A.R. Mortgage Update contains information about the effect of a reduction in the mortgage interest deduction; refinancing; loan modifications by bankruptcy judges; and the Mortgage Bankers Association’s weekly mortgage application survey. Obama’s plan to limit write-offs provokes push-back The Obama administration’s first budget proposal included a provision to reduce the mortgage interest and local property tax deductions for those earning more than $250,000. The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) and the National Association of REALTORS® (NAR) are strongly opposed to this provision and are working to convince lawmakers to oppose it as well. Although the government predicts it could save billions of dollars by reducing the deductions, it also will negatively impact the California housing market; further erode opportunities for homeownership in the state; and will contribute to further price declines and diminished equity for homeowners. Additionally, the devaluation would extend to lower- and middle-income homeowners and home buyers, who likely will start “pricing in” the lower tax benefits – discounting what they are willing to pay for a house given
lower future deductions,” according to the Mortgage Bankers Association and NAR.
To read the full story, please click here:
A waiting game for refinancing
Many mortgage professionals are advising clients not to wait to refinance. Stricter loan underwriting standards and declining property values could result in some homeowners becoming ineligible for the Obama administration’s “Making Home Affordable Refinance” program. As a result, many mortgage professionals are advising clients not to wait to refinance.
Refinances also are taking longer to complete. Whereas a refinance used to take three to four weeks to process, it now is taking as long as six weeks.
To read the full story, please click here:
To view additional articles about mortgages, please visit the following:
Questions, answers on bankruptcy mortgage rewrites
To read the full story, please click here:
Mortgage applications jump 11%
To read the full story, please click here:
Have a great day,
Jeff Hall
Long Beach Home Solutions Inc.
jeff@jeffhallrealtor.com
www.jeffhallrealtor.com
Mortgage's right now is the number one concern for most people. Even people who rent are concerned as the trickle down theory happens to them as well.
This week’s C.A.R. Mortgage Update contains information about the effect of a reduction in the mortgage interest deduction; refinancing; loan modifications by bankruptcy judges; and the Mortgage Bankers Association’s weekly mortgage application survey. Obama’s plan to limit write-offs provokes push-back The Obama administration’s first budget proposal included a provision to reduce the mortgage interest and local property tax deductions for those earning more than $250,000. The CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) and the National Association of REALTORS® (NAR) are strongly opposed to this provision and are working to convince lawmakers to oppose it as well. Although the government predicts it could save billions of dollars by reducing the deductions, it also will negatively impact the California housing market; further erode opportunities for homeownership in the state; and will contribute to further price declines and diminished equity for homeowners. Additionally, the devaluation would extend to lower- and middle-income homeowners and home buyers, who likely will start “pricing in” the lower tax benefits – discounting what they are willing to pay for a house given
lower future deductions,” according to the Mortgage Bankers Association and NAR.
To read the full story, please click here:
A waiting game for refinancing
Many mortgage professionals are advising clients not to wait to refinance. Stricter loan underwriting standards and declining property values could result in some homeowners becoming ineligible for the Obama administration’s “Making Home Affordable Refinance” program. As a result, many mortgage professionals are advising clients not to wait to refinance.
Refinances also are taking longer to complete. Whereas a refinance used to take three to four weeks to process, it now is taking as long as six weeks.
To read the full story, please click here:
To view additional articles about mortgages, please visit the following:
Questions, answers on bankruptcy mortgage rewrites
To read the full story, please click here:
Mortgage applications jump 11%
To read the full story, please click here:
Have a great day,
Jeff Hall
Long Beach Home Solutions Inc.
jeff@jeffhallrealtor.com
www.jeffhallrealtor.com
Tuesday, March 10, 2009
Sunday afternoon Naps....
How many of us love to spend our weekends taking a nap like this guy? I know that I do... and my mother says it runs from my fathers side of the family, but that is a different story.Living in Long Beach to me is a blessing. One of those many blessing is the ability to escape on a weekend morning for the day to Los Angeles, San Diego, Palm Springs and the list grows.
Last Sunday morning I escaped to the San Diego Zoo one of my all time favorite places to go and this guy gave me a small pause in my day. Being in the real estate business which also includes a very busy property management business keeps me on the go... and I look forward to those moments of peace and quiet.
We all need to take time for ourselves no matter how busy we may be. If we do not take the time to rest; even for a few moments we take the chance of not being as productive as our potential holds.
So take some time for your friends and family... and yourself, it may even include a nap.
Have a great day,
Jeff
Jeff Hall
Long Beach Home Solutions Inc.
http://www.jeffhallrealtor.com/
jeff@jeffhallrealtor.com
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