Name Tags why? Unless you’re Donald Trump you may want to wear one.

Name tags what about them?

They make you more approachable. Try it see how many say hello with, than without especially at a new Chamber or other Mixer.
Tip from the top Mr. Will from Jacksonville the Mortgage Guy on the Move.
Just a thought~ as "John Maxwell" would say. A great investment.

Home Under Water

Home under water?
The two main servicers of mortgages made some changes regarding refinancing homes that are under water. These new provisions became effective on November 15th.

At 5pm yesterday, both Fannie and Freddie released their "versions" of the Home Affordable Refinance Program.

Here is a small excerpt,

“For loan applications on or after December 1, 2011, eligible loans are those "sold" (not closed) to Fannie and Freddie BEFORE June 1, 2009.”

This could be a great opportunity for clients who intend to remain in their homes and need to take advantage of these lower rates. However, this is not for everyone. Please see the attachment we sent to everyone regarding these refinancing changes. There are some very important details that you need to read.

If you would like more information, please visit my Website HERE.

Am I smarter than you??

Thought this article was worth sharing:


I’m smarter than you are
November 16th, 2011. By Mike Marchev

I could wax eloquent on this subject and have lots of fun doing so.
But in the interest of time–both yours and mine, I will immediately
Address the subject at hand.

I believe I am smarter than you for five very simple reasons:

1. I read a lot. I don’t care what books you read while attending
Harvard or MIT. Or Wellesley or Smith. I was a History Major at UMASS
and for the past 40 years, I have yet to be asked a question about the
Battle of 1812. I do want to know everything I can about people,
sales, marketing, why people think the way they do and how the
different generations differ in thought and practice. The answer to
all these questions come as a result of reading. And I read a lot. Do
You read a lot? Or are you content on staring at your diploma from a
Zillion years ago?

2. I fail a lot. I refuse to stay within my comfort zone and play it
safe. I am constantly trying new things both on and away from the
Internet. I believe that with failure comes learning. I fail a lot. Do
You fail a lot? Do you learn from your failures?

3. I am coachable. Knowing you don’t know it all is key. Being able to
Internalize constructive criticism and learn from other’s experiences
Is a skill worth developing? With being coachable comes the
Willingness to practice. I practice a lot. Do you practice a lot?

4. I listen a lot? Most people simply wait their turn to speak. I
Listen a lot. Do you listen a lot? Do you enter a conversation with?
The understanding that you already know what you know, and that the
Trick is to learn and benefit from what others know. The key is to
Develop the skill of “listening.” Go to school on other people.

5. I laugh a lot. The ability to find the humor in most situations is
A skill that differentiates the true professionals from the wanna-bes.
Humor drives a happy environment. Being confident enough to laugh at
Yourself puts others at ease. I laugh a lot. Do you laugh a lot?

And there you have it. Five reasons why I believe I am smarter than you are.

I read, fail, learn, listen and laugh more than you do. Hence, I in my
World by my definition, I am smarter than you.

But, as in everything I do and everything I say, I may be wrong. In
This case, I truly hope I am wrong. I want to believe that you read,
fail, learn, listen and laugh more than I do. Because if you do, you
are on your way to a super-fine life. Get on track. Then keep on
track. Be smarter than me.
Thanks Bev from J&B Travels www.jandbjourneys.com

Credit and what is important

From one of our credit reporting companies:

You have heard the myth before about inquiries lowering your credit scores. But is this REALLY true?

The truth is 10% of your total score consists of your accumulation of new debt. The bureaus do monitor how much new credit you are applying for. And if you are applying for a lot of new credit in a short period of time, your scores WILL go down.

Keep in mind; this is only if you apply for a substantial amount of new credit or if you are applying for a lot of "like" credit such as a bunch of auto inquiries.

If you go to apply for a mortgage, all mortgage inquiries in a 2 week time period ONLY count as 1 inquiry on your credit report. 

Your scores are impacted if you apply for A LOT of new credit. So if you apply for a Sears and Chase card this week, your scores might only go down 1-2 points on an 850 point scale.

But if you apply for 9 credit cards this week, your scores WILL go down. The scores are lower when the credit bureaus see a problem with either a lot of new debt being applied for.

Your scores will also be lower if you have a bunch of inquiries for one particular industry. So if you have 12 auto lenders pull your credit, the bureaus see this as an issue with you getting approved and lower your scores accordingly.

So YES your scores will go down if you apply for a lot of credit in a short period of time. But don't worry, applying for a car, home, or credit card only a few times really has a minimal impact on your credit scores.

Don't apply for too much new credit too fast to insure you have a healthy credit profile and healthy financial future

Article from EC Elite Credit Inc. ^{TY Crandall}