All posts by Kimberly

10% BRAIN POWER and 90% ASS POWER

Inspirational, Mortgage Info, Professional Corner, , , , , ,

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?

Mortgage Info, Professional Corner, , , ,

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.

LOSE WEIGHT FAST WITH NO GIMMICKS

Fitness & Nutrition, Inspirational, Special Features, , , , , , , , , ,

LOSE WEIGHT FAST WITH NO GIMMICKS and KEEP IT OFF – Its simple.  You must put in the effort and practice what is required and you will be SUCCESSFUL.

Being healthy and fit is different for each person.  You CAN NOT look at one person and assume what they are doing will work for you.  Your body is a science project and you should ALWAYS be in the lab trying new things to jumpstart weight loss, maintain weight or reconstruct your body both inside and out.  You must start with elimination then slowly build back in the foods you eliminated.  Many people are allergic to the very same foods they crave the most.  These foods cause inflammation and cause you to hold on to the weight you are trying so hard to lose.  Many people are not aware of what they are putting in their bodies and how these things affect them present day and in the future.

Its never too late to lose weight, become healthy and change your life.  You too can Lose weight fast with no gimmicks. Contact your local personal trainer and nutrition specialist to develop your lifestyle plan.  If you are in the Atlanta area, contact me.  I will be happy to develop a plan specifically for you. Remember: NOTHING TASTES AS GOOD AS FIT FEELS.

FIT – NUT

PERSONAL TRAINING AVAILABLE BASED ON YOUR SCHEDULE AND SKILL LEVEL. Includes NUTRITIONAL TIPS AND OVERALL SUPPORT!

CONTACT:

KIMBERLY WEBSTER

KWEBSEMAIL@GMAIL.COM

ONE HOUR SESSIONS:

INDIVIDUAL -$50 PER HOUR

DOUBLE -$35 PER HOUR-per persson

TRIO -$30 PER HOUR-per person

QUAD- $25 PER HOUR-per person

I OFFER PERSONAL FOOD SHOPPING AS WELL, SOMETIMES YOU JUST DONT KNOW EXACTLY WHAT TO BUY AT THE STORE THAT HAS ALL THE NUTRIENTS YOU NEED ON A DAILY BASIS.  CALL TO DISCUSS PRICE.

Because nothing tastes as good as fit feels!

HIGH THREAD COUNT QUALITY SHEETS – PART 2

Special Features, ,

HIGH THREAD COUNT QUALITY SHEETS

Brenda Sowell 216-381-5560 and 216-272-9274

20 MAROON                     23 LIGHT GREEN          26 GOLD            29 GRAY

21 LIGHT BLUE               24 DARK BROWN         27 BLACK          31 LAVENDER

22NAVY                           25 TAN                            28 RUST

1000 THREAD COUNT 100% COTTON FINE IMPORTED QUALITY ELEGANT DAMASK STRIPE.  1 FLAT SHEET, 1 FITTED SHEET, 4 PILLOW CASES

Your Choice of high thread count quality sheet size: King, Queen, Full, Twin, Cal-King, Extra Long Twin

$25.00 Any Size

HIGH THREAD COUNT QUALITY SHEETS – PART 1

Special Features, , ,

HIGH THREAD COUNT QUALITY SHEETS

Brenda Sowell 216-381-5560 and 216-272-9274   

 1 MAROON                       7 PEACH                12 GRAY

3 LIGHT BLUE                 8 LAVENDER       13 YELLOW

4 NAVY                            9 GOLD                   14 PINK

5 LIGHT GREEN              10 BLACK               16 TAN

6 DARK BROWN            11 RUST                   17 DARK GREEN

 600 THREAD COUNT 100% COTTON FINE IMPORTED QUALITY 6-PIECE COMPLETE SET. 1 FLAT SHEET, 1 FITTED SHEET, 4 PILLOW CASES.

 Your Choice of high thread count quality sheet size: King, Queen, Full, Twin, Cal-King, Extra Long Twin

                                                                $20.00 Any Size 

Whoa is Me-A Day in the Life

Mortgage Info, Professional Corner,

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

PRESS RELEASE

Mortgage Info
Kimberly S Webster Silverton Mortgage Specialists, Inc.3653 Canton Road #108Marietta, GA 30066

Phone (404) 705-9494

kimberlywebster.mortgagebroker@gmail.com
   

Press Release

Contact: Kimberly S WebsterNMLS #210884 Phone: 404-705-9494 FOR IMMEDIATE RELEASE9 A.M. EDT, January 19, 2010

Local Mortgage Professional Gives Back

ATLANTA, GA, January 19, 2010: Kimberly S Webster just returned from three education filled days in Atlanta Georgia where she participated in an event to help raise money for charity.  The “Mortgage Revolution” is a grass roots organization made up of real estate loan originators that want to instill the highest order of ethics and transparency into their industry and in so doing, foster an environment that will tolerate only true professionalism.

More than 30 volunteers and speakers organized this movement, which was perhaps recounted best by one attendee, David Krushinsky of Phoenix, AZ who in his blog wrote, “The speakers that came to this event didn’t get paid to share their ideas.  They didn’t get free airline tickets, free dinners and a hotel room.  They were there on their own dime, just like me and every other attendee.  They were there for their dedication to the industry, promoting change.  In fact, the organizers Mark Madsen, Brian Larrabee and Mark Green actually paid to be at this event as well.  This event wasn’t about selling products and services.  This event, Mortgage Revolution, was about giving back to our industry, our referral partners and our community.  This event was developed to bring street level originators together for the purpose of education, networking, and change. All the money that was made as a result of this event is being donated to three charities.”

Kimberly S Webster said “The housing industry has been struck multiple times by lightening, it was not from one storm but multiple severe storms that contributed collectively to the housing decline, credit crunch and bubble burst. Working together to educate where needed and apply preventative measures across the spectrum, I am confident that our efforts will eventually bring not just well intentioned albeit ill conceived regulation to our business but intelligent and practical reform that actually benefits rather than burdens consumers. We must take heed of the mistakes made by all parties involved and learn from them so that we have realistic  and fair protective measures in place to avoid this from happening again.”

BLOG TALK RADIO-Welcome to Real Estate in 2010

Mortgage Info, Professional Corner

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