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How does the mortgage crisis hurt me?

I am often in a conversation about the housing market and mortgages. Now, I am not an expert by far but I am in the market and I do keep up with what is happening in my area as well as the world.

Yesterday a friend asked me "how does all this financial crisis affect me?" No one can predict the future and anyone that says what will happen is just guessing but I do know that my friend has his home almost paid off and doesn't plan on selling for many years to come. I told him that I believe unless his nice, upper middle class neighborhood turns slum that he should be good enough to ride out the storm. I said this because when he bought his house, he bought with in his means and he made a large down payment, extra payments over the years and doesn't feel that they need to sell and by a giant house just because he could afford the payment today.

According to CNNMoney.com a record 1.2 million homes were in foreclosure during the second quarter of 2008. That's representents about 2.8% of outstanding loans, up from 1.4% of all loans during the same period a year ago. By the end of the 2nd quarter, 6.4% of homeowners were behind on their payments.

Now, I am not pointing a finger or making excuses but what about the other 93% of us that are paying our mortgages on time. How can the 7% in default be so much larger than the 93% in good standing?

Old school thinking and the Industrial Age mentality.

Yes we do have a financial problem that will have great consequences on our children's future if we don't fix it today. But Washington and the Old School politicians with their self serving lobbyist friends have got to go. Just who wants any politician in Washington to balance their personal checkbook? Not me.

These banks are crying and whining so loud for the US government to bail them out with our corporate welfare that the hole gets deeper as they dig. Go ahead and make the Countrywides or Citi or Wells Fargo's of the mortgage market a fair offer on a house that is going to foreclosure and you will be put into perpetual hold with more put-off and losing of offers imaginable. Old School Power Play thinking.

There are enough small business entrepreneur investors that would buy these properties and rent them to families if the banks would just incorporate logic in their thinking and actually try to unload these non-conforming loans.

Yes I do hate to see people losing their homes and there is a way to fix the problem. It's not bailing the banks out with my tax dollars. I already pay half of my money in taxes.

I say give the 93% a break. We are the ones paying for this crap.

We have to change all of Washington. Politicians need term limits and the Lobbyist need to go away. That would be a start. We are going to have a Technical Revolution soon and we need a government with common sense that will serve the American people and all the other great people that desire to live here.

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EXIT Realty - Now Hiring

Why aren't YOU working for

EXIT Realty?

The EXIT Realty Difference:

EXIT Sales Representatives generate a residual finanical supplement over and above their own sales transactions that translates into a retirement residual, as well as a benificiary benefit, simply by helping to build the company.

They receive residual bonuses from EXIT Headquarters for every sales represnetative they have sponsored into any EXIT office worldwide, up to $10,000 per agent per year.

This is a single level system that allows individuals the ability to tap into other people's energies and eliminate the problem of being only as good as their last sale.

These benifits support the personal & professional growth of salespeople through mentoring, more stabilized cash flow & new income streams.

EVERYONE has a vested interest in the growth of the organization.

• 70% Commission Split - based on overall earnings of a sale
• 10% Sponsoring Bonuses
• 7% Retirement Residuals
• 5% Beneficiary Residuals (Leave something for your loved ones!)
• No Desk Fees... EVER!
• Blue Cross/Blue Shield eligibilty through EXIT'S Mortgage Company
• 401(k) Retirement Plan - Tax Free Retirement Savings

Real Estate Re-Invented

EXIT Realty is a full service real estate brokerage specializing in residential properties as well as commercial, land, and investment properties. Technology is changing the way EXIT real estate professionals service clients for the better. EXIT Realty offers superior client service and a unique approach to the real estate industry. As a result, EXIT has become a major competitor in record time.

What's in a Name?
1. EXIT is the most advertised word in the world.
2. EXIT must be illuminated by law.
3. EXIT suggests "SAFE PASSAGE".
4. EXIT signs are strategically located.
5. EXIT signs everywhere you turn - Subliminal effect.
6. EXIT Repetition/Recognition/"MEMORY" the real purpose of advertising.
7. EXIT Four letters/Two syllables - ideal for "Memory".
8. EXIT signs required by law.
9. EXIT Paid for with Other People's Money!
10. The Vendor is making an "EXIT".
11. Everybody is looking...for an EXIT ...

If you would be interested in learning more about becoming a real estate agent or how you can take your real estate career to the next level e-mail me at RemerLive@gmail.com.

No matter where in the US and Canada that you live. There is an EXIT Realty office near you. Contact me and I will be happy to get you intouch with a local office for an interview.

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You have to do something

This post is copied from Matt Gillogly (http://www.surefirecoachingcash.com/). He was talking about coaching, but I believe it also applies to investing in real estate just as much. Unles you get started... well, you won't get anywhere.




There are a number of reasons why people have a concern about getting started. In my almost 7 years of coaching, the main issues standing in the way of someone getting started are:

1. Fear of losing money.

2. Fear of making a mistake.

3. Fear of being laughed at or ridiculed.

4. Fear of failure.

Let's take a look at the fear of losing money. It's a very substantiated fear. Especially given the uncertain economy.

In reality, the act of doing nothing will cause you to lose more money than if youdid do something.

Let me explain.

An author was writing about his experiences of hiking to the North Pole on an expedition. In the North Pole, the ice shifts and moves away from the main goal, the North Pole. It moveseach and every day. So each day, you not only have to fight the snow and the wind and the cold.

But you also have to fight the moving ice pack. As you move toward the goal of the North Pole, the ice pack is moving you AWAY from your goal.

Basically for every step you take, the ice pack moves you away from your goal by 25 to 30%. Thus, when a winter storm hammers you and the tendency is for you to hunker down in camp, you have to keep moving forward, because by sitting still you actually move further away from your goal.

You lose ground.

The same holds true for those who decide to sit and wait or do a little more research.

This fear of making a mistake or losing money or being a laughing stock are only plans by the forces of evil in this world to keep you from your destiny. And we all have a destiny.


We've all been created for greatness.


Thanks Matt.

Now... Go make offers.

9.11.2001

Remembering 9.11.2001

As I sit here at my computer recounting what I was doing and where I was at 7 years ago today. It is a day that I remember more clearly than I remember last Thursday.

I just want to remember that this is the greatest country in the world. I am proud to be an American and a citizen of the United States.

God bless the families that lost loved ones on this day 7 years ago. God bless the children that lost their parents and let us not forget that there are those in the world that want to hurt us because of our freedom.

Do not discourage your children from joining the military. It is men and women with the love of their country that have given us the freedom that we take for granted.

As you go through the day, take the time to remember the people that have died so that we can be free.

I am grateful to be an American.

For The Love of Money

Money, money, money
Money, money, money
Some people got to have it
Some people really need it

We all know the song from the hit reality TV show The Apprentice performed by The O'Jays. It’s probably my favorite show to watch. Not because of The Donald though he is a great Entrepreneur, but because the show is packed with entrepreneurial ideas. If you want to really learn about Donald Trump and his great entrepreneural mind read the books that were written about him. Especially those written by George H. Ross, Trump's close friend and attorney.

Money. We all need it. That’s why we work so hard for the majority of our adult lives.

We’ve all heard that you can’t make money without money. Sure, it’s easier to make big money, faster, if we have money to start with, but does it have to be our money? What about using Other People’s Money or OPM? Let’s say we had $50,000 cash, would it be better to buy a property with that cash or put the cash in the bank and use it as collateral and borrow money from the bank? Answer: Borrowing from the bank. This ensures that you will have needed cash for emergencies, deposits, etc. and the best part is that using the banks money reduces your risk.

Disclaimer: I am not a financial advisor or a CPA. Always seek the services of a competent, professional before borrowing money to invest with. Do not borrow more money that you can pay the monthly payments on in the event your property sits vacant for a period of time. That hurts.

There are many forms of OPM. Just to list a few:

• Traditional mortgage in your own name
• Borrowing against a CD or Savings account
• Home Equity Line of Credit, HELOC
• A commercial Line of Credit
• Hard Money
• Self Directed IRA
  

We haven't even covered the many forms of Creative Financing. Each has it’s own pros and cons and the details of the deal will determine which choice you should choose. Personally I like the commercial Line of Credit or buying property in your self-directed Roth IRA. I use Equity Trust Company, www.trustetc.com.

Whatever form of funding that you choose, always remember that investing is a business and you need professional in every aspect of asking for the money. Have a professional looking financial package to give to the lender. The perception that you know what you are doing goes along way when asking to borrow money.

Get a plan.

Go make offers.