My friends cup cake website below. She is currently based out of Cali but can provide service worldwide, especially if the price is right! Check her out and let’s support small business. Also coming soon…she will have gluten free recipes, just a little something on the horizon for her…
Kimberly
I am passing this employment opportunity along…paying it forward has never hurt! See below and make contact directly to Heather if interested or if you know anyone who is, feel free to pass this along. Be sure you tell her you got the lead from Kimberly Webster!
**Hi, I hope this email finds you well. I would like to network with you for a new consulting engagement I am trying to fill. We are creating a team of 10 senior staff and manager level individuals who have due diligence experience (on the buy or sell side) for business acquisitions, preferably with a CPA. The client will only consider individuals who have performed corporate acquisitions not real estate or portfolio/asset purchases. The project would include full time (40+ hours/week) and part time professionals and will include limited travel. The client is wanting to get the team in place ASAP. This project is for a team of 10 individuals to provide the financial analysis (transaction support) to the M&A strategy team. The levels that would fit this role would be senior staff or manager (3-7 years due diligence experience) probably paying $40- 60/hr (may be a little flexible). Big 4 experience and CPA highly desired. Please fee free to share my contact information with anyone you know who might be interested in this work. Regards, Heather Michelotti 312-466-0306 hmichelotti@solomonedwards.com **
REPOST from Paul Muolo Broker Universe…..VERY interesting point of view.
THE MAIN EVENT: When it comes to mortgage banking, it’s all about jobs folks. I know I might sound like a broken record on this topic but Friday was another one of those “this can’t be happening” days in the stock market. By the time the gate closed, the Dow had plunged 323 points, sending the yield on the 10-year near its 52-week low. There’s no point in rehashing the reasons for the carnage. You know what they are. But a few thoughts for you: We are in uncharted territory here. The good news for lenders (and I guess, servicers) is that mortgage rates are going nowhere any time soon. That’s a given, but how do you, as a mortgage banker, profit from this? Loan applicants should be beating down your doors, hoping to refi. Is anyone funding a 4% 30-year FRM yet? (If so, drop me a line atPaul.Muolo@SourceMedia.com.) But wait, before you can refi or buy a home, you need a job and if Uncle Sam is the only one doing any significant hiring, then we’re all in trouble. You can blame the poor job picture on technology, perhaps. Computers, cell phones, and all those gadgets we love make us more productive. Why hire another worker bee when one reporter (for example) can do the work of two? You get the picture. I wonder if the Republicans were in charge whether the jobs picture would be any better. We’ll never know, really. Come fall if angry voters pull the lever to “throw the bums out” most of the bums getting the boot (regardless of party affiliation) will be the Democrats. But what if the GOP captures the House and Senate? Will they prove to be the deficit hawks they now claim to be? The GOP certainly wasn’t worried about spending money when George W. Bush was in the White House. Anyway, it’s a mess. Then again, maybe the jobs picture is really better than the numbers show. Maybe, as one stock analyst said Friday morning, there really are a lot of “semi-retired” people out there, collecting unemployment because, well, they can, and these people are really just sucking the blood out of unemployment insurance funds and skewing the numbers upward. It appears the U.S. auto industry is actually on the mend, and hiring. But as we all know, homebuilding (traditionally) is a huge creator of jobs and right now that sector is flat on its back…
REPOST- ARTICLE BY LARRY BETTAG-credits and contact info below. A must share for anyone in any industry! This one is well worth your time.
When I was in high school, I was the perfect C student.
I’d come home my first quarter and I got 3 C’s and 3 D’s. Second Quarter was 6 Cs. 3rd Quarter was 3 C’s and 3 D’s. Final grade…..6 Cs. I had a hard time adjusting to high school. Frankly, I hated the studying. My grades were my evidence that I hated studying. Everytime my report card came in that year, and throughout my years of high school, I could hear my dad walking down the hallway for the “talk.” By the 3rd time he came down, I had it memorized. The magic phrase was life is 10% brain power and 90% Ass Power. It’s never been more true in my life.
My 3 brother’s are MDs and my sister graduated number one out of Notre Dame’s MBA class. I was the dumb one, but my mom and dad had two things they stress to me over the years. Mom said that her role was to get me to heaven. My dad said that his role was to make sure that I’m successful in life. For him, it came down to 10% brain power and 90% Ass Power.
Long story short…
I went on and got a Master’s Degree in Clinical Psychology and subsequently graduated law school from Northern Illinois University. Dad was right and now I’m saying the same B.S. to my kids.
When it comes to real estate, I will tell you invariably 100% of the time, I see the same thing. Never a variation.
10% Brain Power and 90% Ass Power.
I see people who are more intelligent than me (I know that’s hard to believe). But then I think that they really aren’t more intelligent than me because they won’t put forth the effort to be successful.
CRITICAL QUESTION???? HOW DO YOU DEFINE INTELLIGENCE?
If it’s I.Q. I’m right there, but not hanging in the Mensa Society or anything like that. If it’s being smart enough to be successful, I think I’m post graduate in my level of thinking.
I had a great friend who made $1,000,000 of income
originating loans a few years back. 30 FHA purchase transactions a month. At the end of the year, he said never again. He was burnt out. That was 5 years ago and he’s barely making it. He’s barely at 3 deals a month. I don’t think that it’s a sprint, but if you’re in this business you need to be in it for the long haul. It’s a marathon, not a sprint. It’s the ass power, the work ethic, the “get it doneness” that separates winners from losers.
I’m amazed at the talent that I see in my business, but those with the most talent often won’t work. It’s such a welfare mentality. “I’ll go to work today, check my e-mails and hope that the phone rings” doesn’t work in today’s market. Players vs. Pretenders. If you are going to work, you need to work hard.
If I were to make a bottom line statement here it’s that failure to work with a purpose, means that your livelihood in this business is in jeapardy.
My reason for writing this post is for inspiration. You don’t have to be the smartest. But anyone who is willing to work on purpose and who will out work the competition will be successful. Remember,
10% Brain Power and 90% Ass Power
Larry Bettag – Regional Vice President, Midwest Region
Illinois FHA Specialist
630-417-7172-Cherry Creek Mortgage Company
Are You Facing a Setback?
Setbacks are a part of life. The next time you’re facing a setback, here are a few stories about people who used a setback as a set-up for a comeback.
Lucille Ball: She began studying to become an actress in 1927 and was told by the head instructor of the John Murry Anderson Drama School, “Try any other profession. ANY other profession.”
Clint Eastwood and Burt Reynolds: In 1959, a Unviersal Pictures executive dismissed them at the same meeting with the following statements. To Burt Reynolds: “You have no talent.” To Clint Eastwood: “You have a chip on your tooth, your Adam’s apple sticks out too far, and you talk too slow.”
Alexander Graham Bell: When he invented the telephone in 1876, it didn’t ring off the hook with potential backers. After making a demonstration call, President Rutherford Hayes said, “That’s an amazing invention, but who would ever want to use one of them?”
Chester Carlson: In the 1940s, this young inventor took his idea to 20 corporations, including some of the biggest in the country. They all turned him down. In 1947, after seven long years of rejections, he finally got a tiny company in Rochester, NY the Haloid Compnay to purchase the righte to his electrostatic paper-copying process. Haloid became Xerox Corporation, and both it and Carlson became very rich.
Abraham Lincoln: He entered the Blackhawk War (1831-1832) as a captian. By the end of the war, he had been demoted to the rank of private.
J.K. Rowling: Author of the Harry Potter series, Joanne was an aspiring writer and a single mother living on welfare with her young daughter in an unheated, mice-infested flat. Her first book was rejected by 12 publishers before the world met Harry Potter in 1997.
And there was this young man who submitted a paper to his Yale University management professor, and got this response: “The concept is interesting and well-formed, but in order to earn better than a ‘C’, the idea must be feasible.” This young man was Fred Smith; his paper proposed reliable overnight delivery service and Fred went on to found FedEx Corp.
Failure is not falling down, but staying down!!
Kimberly Webster
Your Real Estate Mortgage Consultant For Life
P.S. Have you experienced a recent setback or facing one now? Please email me at kimberlywebster.mortgagebroker@gmail.com or call me at 404-705-9494.
Just a glimpse into the life and times of a Mortgage Proessional:
“I have been originating residential loans for 26 years, and originating a loan has never been so time consuming and labor intensive. I work three times as hard for one-third the income, literally. The mortgage companies and banks now expect the originator to originate the loan (I like this part the best and spend the least amount of my day doing it) set up the loan (open escrow, order credit and appraisal, input loan (completely- error free) into the loan origination software, process the loan (complete the disclosures, collect signatures on disclosures, collect income and asset documentation from the borrower, underwrite the file manually and electronically (DU or LP), and close the loan (follow up on additional conditions created by an “underwriter”). Of course the “underwriter” takes out his/her checklist and finds fault with something we have or haven’t done (real or imagined) to justify their existence by conditioning for additional pieces of paper that do nothing for anyone (they blame it on the investor). There is really no such thing as an underwriter anymore. If DU or LP say no, it’s a no. I find it almost laughable that the set up department doesn’t set up (they police the disclosures) and processing department doesn’t process (they submit the completed package to the underwriter) and the underwriters don’t underwrite. There is no fun left in the business for originators. It’s sad but true. The parts of the business I truly love and excel at – figuring out how to market/originate loans and helping people realize the “American Dream”- are the parts I spend the least amount of my day doing.” Anonymous/Unknown
New buisness venture I am REALLY excited about with my partners/homies Jay and Ced. BIG things 2010, be ready…I sure am. Happy start to the New Year, make it happen yaw’ll. Get up, Get out and Get something!
Kim
I would like to thank Mr LaMar Campbell with Remax for allowing me to guest host on his radio show today. Check it out at Your Circle of Success Real Estate .
Tune in next week Tuesday at 10 for Part 2….we will pick up where we left off. There is plenty to discuss on the real estate lending front. Be sure to log in as we extend the show to an hour in hopes of covering all the information for the new year!
Kim
GREAT motivational read for professionals in the Real Estate Industry with specific tips to help stand strong and tall in this market and find positive ways to make your business thrive. I found this on Keller Williams University website Millionaire Systems. Check it out! Or search on Amazon for Shift by Gary Keller.
First-Time Homebuyer Credit Extended to April 30, 2010; Some Current Homeowners Now Also Qualify
IR-2009-108, Nov. 24, 2009
WASHINGTON — A new law that went into effect Nov. 6 extends the first-time homebuyer credit five months and expands the eligibility requirements for purchasers.
The Worker, Homeownership, and Business Assistance Act of 2009 extends the deadline for qualifying home purchases from Nov. 30, 2009, to April 30, 2010. Additionally, if a buyer enters into a binding contract by April 30, 2010, the buyer has until June 30, 2010, to settle on the purchase.
The maximum credit amount remains at Continue reading First Time Home Buyer Credit Extended