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Secret Identities: Do You Use One in Your Marketing?
2007-06-29 04:52:00
The Real Estate industry offers various ways that you can change your identity and marketing campaign to fit your targeted market.  Dare to be different, if not a little crazy, in your advertising and you will stand out from the crowd.  Once you have been "noticed" you can deliver a powerful message about why the consumer should use you over anyone else.  Hey, you were different than anyone else in your marketing, so you must be different in how you do business, right?So where can you go with this.  The roads are truly endless.  I suggest wrap your secret identity around somethign else you are passionate about.  For example, I could go around as "The Mortgage Pilot" and use "bringing your loan in for a smooth landing." And in fact, I am setting up a campaign around that right now.I suggest staying away from "identities" already being used, such as "Mortgage Superman", as you can see I have used that one ...
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Heads or Tails: Is Flipping Houses Right for You? (Part 1 of 3)
2007-06-29 03:59:00
You probably have seen the infomercials on late night TV claiming you can get rich quick with real estate.  You know the ones, claiming to talk sellers out of homes for next to nothing, buying with no money down and getting someone else to pay your closing costs.  While some of these methods may be the real deal, but most are simply scams.The lines between real deals and scams get grayed by the recent shows airing:  TLC's Property Ladder, A&E's Flip this House and Discovery Channel's Flip that House.   In fact, Interesting Way to Forecast the Destruction of a Market showed how the shows may have forecasted the demise of the real estate market.  While the shows are not trying to sell you anything and typically show the good and bad sides, they air during the day, giving the shows instant credibility.House flipping is not something that can be entered into without exhaustive planning and research.  While it can provide great returns q...
More About: Houses , Flipping , Part , Flipping Houses

Equity Harvesting, Money Merge Accounts and the Benefits of Using Both
2007-06-26 17:05:00
Yes, you heard me right, utilizing both as strategic tools can provide major benefits.  I am not talking about using the MMA software per se, but rather the special HELOCS allowing you to use them as a checking account to provide interest cancellation.  This strategy is not for everyone, but may provide huge benefits for those who decide to use it.First off, strat yourself off correctly, lock in your acquisition indebtedness so you stop wasting money.  You can do this by utilizing an interest-only loan to stop the "bleeding".  Why?  Because home equity is not a good investment, so why not put your money to work for you instead?Now, here is where the strategy gets really interesting.  Set up a $100,000 (if you can) HELOC that can work as a checking account or similar to the Money Merge Account, but don't worry about the software (unless you need to be spoon-fed when to move your money around).  Then figure out what kind of investments ...
More About: Benefits , Quit , Benefit , Harvest

Mortgage Interest Tax Deductibility - How to Exceed the $1.1M Limitation
2007-06-25 22:14:00
Let me start off by saying I am not a tax advisor, I am a Certified Mort gage Planning Specialist and that this post, like others is based on my level of knowledge and expertise and may or may not apply to your specific situation.  This is derived from tax codes and simply shows the possibilities you may have to deduct mortgage interest beyond your current limitations.OK, quick recap on mortgage interest deductibility...Acquisition Indebtedness (AI) - As implied by its name, it is the debt at which you obtained the home originally.  If you pay down (or off) your mortgage, it is reduced.  Home improvements, divorces, and other things may allow you to increase the amount, but follow the code and document everything.  Many who did cash-out refinancing have been deducting their interest illegitimately because they exceeded AI plus Home Equity Indebtedness.  AI is limited to the interest accrued on the first $1M dollars of qualified mortgage debt from primary...
More About: Interest , Gage , Eres

WARNING: Category 5 Hurricane Approaching Florida (What if?)
2007-06-25 19:56:00
As most readers of my blog posts know, I am a different kind of mortgage professional.  I employ a wide variety of strategies to help Florida families build their wealth over time.  One of the ways I differ from most others is that I talk a lot about how a hurricane, or any other distater for that matter, can wipe out your home equity, possibly never to be seen again.So, are you fully prepared for this hurricane season in regards to protecting the equity you have "trapped" in your home.  If you have rushed to pay off your mortgage as quickly as possible, you may not be as prepared as you think.  If a hurricane hits, there are multiple ways you could lose your home for good and all of the equity you deposited into it.OK, what if a Cate gory 5 hurricane were to strike the South Florida coast, packing winds in excess of 155 mph?  If it were to come ashore near the Ft. Lauderdale airport and move slowly, you would have about the worst disaster you ...
More About: Warning , Roach , Category

Credit Piggy-Backing: Do You Want to Risk it?
2007-06-19 16:39:00
I was watching something briefly on the news, actually on several channels, that caught my attention.  The topic was called "credit piggy-backing".  The media seemed to portray it as a viable means to improve your credit and get better rates on mortgages and other loans.  It was simply amazing how the media again portrays something as a good thing, while not highlighting all of its flaws.  Where is the balanced reporting that needs to be delivered on subjects like these?First off, in case you haven't already heard this subject, credit piggy-backing has been around for years and is simply using another person's good credit to boost yours.  While it is still legal to do this, its intent was for parents to provide their children credit to get started in life.  However, now there are even companies selling the the tactic as a service for renters and even homeowners to obtain mortgages.  They make no bones about it and say that it will...
More About: Credit , Piggy , Risk , Backing , Iggy

Realtors, You should be scared right now!
2007-06-09 14:11:00
Why did I start off with this statement?  The recent destruction in the Mortgage Backed Securities market has driven interest rates up significantly recently.   That means one thing.  Your buyers cannot qualify for as much of a mortgage as they used to!!!That's right, if your buyer has not locked a loan (and if they haven't signed a contract yet, guess what) they are more than likely not "pre-approved" anymore.  That means you need to rethink your list of homes that you should be taking your client to this weekend.The fact of the matter is that interest rates have risen as much as .75% in the last month, and up to .50% just in the last 2 days.  If you are not aware of the impact this has on your buyer, you could be wasting a lot of time this weekend.Here is an example of what I mean by impact...You have a client who is looking to buy a home.  In order to get one of the homes you have been taking him to, he needs to get a $300,000 ...
More About: Realtors , Scared , Right Now

How Much is that Cup of Coffee Really Costing You?
2007-06-08 04:14:00
I was stumbling around the internet as I do on occassion, especially when I find myself with the need to just "take a break".  I don't remember exactly how, where, or even why I stumbled onto this website, but it sparked my interest nevertheless.  Why?  It peaked the interest of the money geek in me.The site, particular a page on the site had a very interesting financial calculator called the Stop Buying Expensive Coffee and Save Calculator.  This calculator is a lot of fun to play with to see how much your daily trips to Starbuck's or Dunkin'Donuts are really costing you (over time of course).  I said it is fun, but it is also very scary to realize the true cost of that cup of Joe and will make you want to trade away the habit, or at least start brewing your own.Anyhow, to use an example, let's say your cup of coffee at Starbuck's, just the standard cup of the day (grande size of course), costs you $1.97 after tax and you frequ...
More About: That , Really , Ally , Cup of coffee

Has Anyone Seen the Bottom of This Pit?
2007-06-07 17:20:00
You have heard the tales of the Bottom less Pit, and that is what Mortgage Backed Securities have found.  They continue to freefall with no support sighted in the near future.Ok, since May 8th, we have seen Mortgage Bonds begin their fall, trading within a Downward Channel.  On May 14th, we advised that the breakthrough of the 200-day Moving Average would mean the Bond MArket would get ugly.  Today, we have broken through another major support layer, one that leaves a huge gap before Bonds see support again.Ugly cannot sum up the current status of the Bond Market.  With growing inflationary fears, fueled today by a lower than expected Initial Jobless Claims report, Bonds cannot find support, not even when the Stock Market is pushing lower, and that is never a good sign for things to come.So, what does that mean.  Well, folks, INTEREST RATES ARE GOING HIGHER!!!  You see, Bond prices dropping, means yields go higher and yields are what creates the pricing ...
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Where in the World is This Guy?
2007-06-06 20:12:00
I figured it was about time to share some more pictures from my travels.  Since my last post about places I have flown to, I have bounced around to many new ones as well as returning to some of the others.Here are some of the pictures I have taken recently... A not so untypical day in flying, but the picture above was taken this last weekend in MIA as Tropical Storm Barry sent weather our way.  This picture of a 757 landing with lengthy vapor trails was taken as we awaited departure to San Pedro Sula, Honduras.I think it is only fitting to post a picture showing how nice it was in San Pedro Sula after seeing the rainy weather back home.  As you can see, as with many airports we fly to, there is mountainous terrain close by.As I mentioned weather, one of the best things about flying is that it is always sunny somewhere along your route.  Again, after a rainy departure in MIA, the two pictures below were of famous places on the east side of Mexico during our f...
More About: World , The World , Where

You Want to Own Your Own Home, But Do You Own it the Right Way? (Part 1)
2007-06-06 17:39:00
Most Americans think the same way and do not realize the old way of getting a mortgage is the wrong way to get the mortgage.  They need to realize that things change and we need to change with them to take full advantage of the opportunities we can receive.Let's take a look at two individuals that are in the same situation.  There names are Stan and Tom.  They both currently earn $75,000 per year and have $50,000 in cash.  They both go out and buy $250,000 homes.  Tom wants to minimize his mortgage, so he uses his $50,000 in savings as a down payment and opts to get a 15-year mortgage at 6.75%.  The result is a $1,770 monthly payment, but only 64% of that is tax-deductible interest and the rest goes toward principal.  Therefore, Tom's after tax cost of his mortgage is $1,489.  And, like most Americans try to do, Tom decides to send in an extra $100 towards principal as well to pay off the mortgage as fast as he can, further reducing hi...
More About: Home , Part

Does Your Competition Hate You?
2007-06-05 21:29:00
I was reading an article sent to me and it drove home a truly valid point.  If you want people to like you, you must first decide who needs to hate you.Is it fair to say that finding a soul mate is pretty important?  If so, online dating sites should be full of sparkling witticism as people try to woo their prospects.  As a dater, you have two key ways to communicate something quickly about yourself, your picture and a headline.With the headline, this is what draws people to your "ad" or in a blogger's case, your post.  In the dating pool, these headlines suck, as nearly two-thirds say nothing and even did that poorly.  In the blogosphere, there is some similarities in the headlines.  So why do so many headlines suck?Fear, the number one reason we avoid doing something.  In headlines, we fear saying something stupid even when we think it is clever.  We also fear saying too much or something revealing that may turn a reader off.&n...
More About: Competition , Hate , Hate You , Petit

Florida Mortgage Market Update
2007-06-05 17:02:00
We remain in a LOCKING stance.  Mortgage Bonds = -22bp.What do the "Coriolus Effect" and Bonds have in common?  Well, the Coriolus Effect describes the whirlpool action that sucks water down in a circular fashoin and bonds continue to be "sucked down" as they remain in their downward channel.  Ben Bernanke has apparently become all powerful and looked upon as the new E. F. Hutton.  When Ben speaks, everyone listens and the markets continue their tumble.  The funny thing is that Ben didn't say anything different, only stated the same thing that was mentioned at the last Fed Meeting and released in the FOMC Minutes.  Yet, investors reacted on his comment "inflation risks remain on the upside".  Today's only economic report released was the ISM (Institute of Supply Management) Services Index, which came in a little better than expectations, creating even more suction for bonds.
More About: Market , Florida , Update , Mark

Banking and Real Estate Professionals May Have IDs Stolen
2007-06-04 18:45:00
I am not sure if anyone, especially those outside Illinois, are familiar with this state computer security breach that was published in the Gatehouse News Service on May 19.The Illinois Department of Financial and Professional Regulation is notifying roughly 300,000 licensees and applicants that there was a computer server with some of their personal data that was breached earlier this year.Those that are potentially at risk for Identity Theft are banking and real estate professionals whose licensing information (including addresses, tax numbers, and social security numbers) were kept on the server.  Individuals will receive letters advising them on how to monitor their credit histories to determine if they have been victimized adding that it would take about a week to get all of the letters out (if you were affected, you should have received a letter by now).Investigators have determined that the breach looks like criminal conduct and that the hacking appeared to come from out...
More About: Estate , Real Estate , Stolen , Banking , Real

Here Are Some Interesting Numbers - If You Want to Know Some More About Me
2007-05-31 23:23:00
As many of you know, I love playing with numbers, especially when it shows how much wealth a family can generate by using their mortgage as an integral part of their financial and investment plans.  Well, I decided to do a new twist on the numbers to share a little more about the flying side of myself, basically a new spin on what my flying experience has been.So, for those of you who would like to know a little about my personal aviation experience, instead of displaying the amount of flight time I have in hours, I will tell you in days and hours.  To derive these numbers, I will assume that I was spending 24 hours in actual flight for each day shown.  SO here is the breakdown...Total time spent at the controls = 324 days,  20 hours (nearly one full year of my life).Total Time spent inside the clouds = 38 days, 2 hours (that explains a lot, doesn't it).Total Time spent in the dark (night) = 64 days, 23 hours (that should explain the rest).Total Time as Capta...
More About: Interesting , Numbers , Some , Eres , Number

Do You Know What Day Tomorrow Is?
2007-05-31 21:52:00
Normally I post articles about the start of hurricane season on June 1st, but this year I needed to post this information today since I will be rather busy with my head in the clouds (literally) tomorrow.Yes, tomorrow is June 1st, the official start of the hurricane season and time for everyone to get prepared.  But, there always seems to be one important item that does not appear on the hurricane preparedness checklists that could cost you dearly.  That item is your home's equity.That's right, take a lesson from the hurricane Katrina victims that unfortunately demonstrated how much money you could lose when it comes to being ill prepared for a hurricane.  Senator Trent Lott, for example, estimated he lost over $400,000, nearly half of his retirement "nest egg" when his home was destroyed by Katrina.Let's not forget that comment made by the Mayor of Port Arthur, TX after his home burned down in the aftermath of Rita.  His comment to the medi...
More About: Tomorrow , Morrow , Tomo

Florida Mortgage Market Update
2007-05-17 17:39:00
We remain in a LOCKING stance.  Mortgage Bonds = -16bpMortgage bonds traded flat yesterday in the absence of any major economic news.  Today shows a different picture.As we informed you that the 200-day MA failed to maintain support and keep bond pricing above this critical level, price erosion was likely to occur and we are seeing just that. Initial Jobless Claims came out today lower than expectations, which shows a tightening labor market.  While you may think that is good news, it is actually bad news for bonds as the fear of increased wage-based inflationary pressures do not bode well for the bond market.Fed Chairman Bernanke was speaking this morning on the subprime market and reiterated, though not in direct words, the continued need for homeowners to seek the guidance of qualified mortgage planners, a business model which is our core service using our unique MEDSTM process.  With determination of "suitability" possibly becoming a legal requ...
More About: Market , Florida , Update , Mark

Sheridan House Ministries- A Place that Helps Children and Families
2007-05-16 18:34:00
Blogging offers unique opportunites to serve your community and this post will honor that capability.  For those of you who know me, you know that helping others is something I like to do and Sheridan House Family Ministries is one organization that I respect dearly.As a company, Solid Rock Mortgage Corporation has decided to donate a portion of its gross revenues to local charities.  (Click here for the post that announced our intentions)  Sheridan House Family Ministries is one of the charities we chose to give money to because of what they do for our community.Dr. Robert G. Barnes, is President of Sheridan House and he also occassionally acts as an interim Pastor to local churches.  He, and his wife Rosemary, have written several books on various topics related to family affairs.  Topics that will help parents raise their children and manage their homes.  They are both well respected in our community.Sheridan House as a ministry provides a resid...
More About: Children , Place , That , Families

Money Merge Accounts Vs Equity Harvesting: Harvesting Wins by Over $1.5M
2007-05-16 17:14:00
This is actually another look at the whole Money Merge Account, Mortgage Acceleration post I did a while ago that spawned a lot of debate.  Click the link below to see that post if you have not already read it.Money Merge Accounts: Are They Really the Best Thing for You? Now for the real "blow your mind away" data that really proves that Money Merge Accounts (MMAs) and other mortgage acceleration products are going to cost you in  the long run.  The truth is that Equity Harvest ing can generate tremendous wealth for those families that are able to follow the plan.  We will use the same couple we talked about in the last post as an example and here is there situation in case you do not remember:Estimated Home Value = $400,000Current Mortgage = $196,000 with an $1100 P&I payment (4.875% 30 Year Fixed)Income = $4,500 net per monthMonthly Expenses = $1,500 per monthCredit Cards = $20,000 ($600.00 per month @ 18%)Auto Loan = $15,000 ($550.00 per month @ 5.5%)Discretionary Money = $500.00 ...
More About: Count , Quit , Wins

More Tales of the Criminally Stupid
2007-05-16 00:50:00
Hopefully these will lighten up your day.  Certainly your day couldn't be as bad as theirs...Troutdale, Oregon comes the story of a couple of knuckleheads who were in the processof planning to meet, and rob a convience store. They had contacted each other on their nifty little walkie talkies and agreed to meet. Well, those little walkie talkies were actually police two way radios that our knuckleheads had previously stolen. And since they were still using the police frequency, their get together plans were overheard by police officers who were waiting at the store when they arrived. They were busted!St. Paul, Minnesota where two knuckleheads broke into a house and used a shotgun to threaten a man that they said owed them money. They fired a warning shot straight up, in an attattempt to scare the man. The shot hit a chandelier, hanging from the ceiling...which fell...hitting our knuckleheads and knocking them both out cold. Both were arrested a few minutes later when officer...
More About: Stupid , Tales , Criminal , Tale , Rimi

With Foreclosures on the Rise, Is Your Home Really Safe?
2007-05-15 17:20:00
Well, if you are paying your monthly mortgage payments, your home is safe, for now.  Unfortunately, many home buyers have the misconception that paying down their mortgage quickly is the best method of reducing risk of foreclosure on their homes.  That's right, even the Money Merge Accounts (MMAs) and other Mortgage Acceleration programs fall into this category.You see, many people who scrape up every bit of extra money they can to apply against principal often find themselves with no liquidity.  Having an ALOC, HELOC or other mortgage product can help, but they can also be expensive.When tough times come, and they usually do, these folks find themselves scrambling to make mortgage payments and may be facing foreclosure due to their lack of liquidity.  Remember that you are very unlikely to obtain a new mortgage if you are facing layoffs, medical issues, or other financial crisis.  You need to have stable income to obtain that new loan.So, let's look...
More About: Foreclosures , Home , Closure , Rise , Safe

Is Paying Off Your Mortgage Actually Costing You?
2007-05-14 16:00:00
Many Americans still believe that paying off your mortgage is the best thing you can do.  After all, it is a guaranteed savings, right?  Well, let's take a look at it further.Right now, there is a new craze in the mortgage industry, one that is being marketed heavily and is being presented as the best solution for you to pay off your mortgage in as little as 7 years.  But is this the best thing for you, or could it actually be costing you more money?Those that offer these programs have different names for them, Money Merge Accounts, Mort gage Accelerator, Homeownership Accelerator, etc.  All are designed to take the typical thought process of paying off your mortgage as quickly as possible and "sucking you in" to thinking this is the best solution for you.  Also, many reps from United First Financial, and others, have used misleading information in order to further show their product is the only solution, so beware.  Now, these programs are...
More About: Gage , Ally

How Powerful is Your Blogging?
2007-05-14 04:37:00
While I was on my last trip, I received an interesting email from Matt Heaton.  He wanted to inform me of a fact I hadn't already realized, and that was related to one of my posts.You see, Matt tracks the traffic coming into our AR community and is constantly looking at ways to improve AR.  While he was doing his research, he came across an interesting fact.  A lot of the traffic that was being referred into AR from the Search Engines was for the keyphrase "Money Merge Account".  Apparently, my post on this subject, Money Merge Accounts: Are They Really the Best Thing for You?, has been ranked high in the Google listings and Matt informed me it even made it to number 1 at least for a little while.Matt also posted this fact on his own blog over the weekend, but it didn't have any comments yet, so I wondered how many people are realizing the true power of blogging and, especially, using topical key words and phrases in your titles and tags.So, my ...
More About: Blogging , Blogg

Welcome to Sunny Florida...
2007-05-10 03:49:00
Florida has been called the Sunshine State and for very good reason.  We have a lot of days filled with sunshine, but we also have a lot of days filled with rain.  In case you don't know where we are, we are the state covered by the swirling clouds.On top of being the sunny state and rainy state, if memory serves me correctly, we lead the nation in tornadoes on a per state basis as well, not to mention hurricanes.  We also get our share of wildfires, especially when we have droughts like the current one.  We don't get many earthquakes, but I hear they are on backorder.With so many types of natural disasters, is it any wonder our insurance rates are through the roof?  Despite all the things that may appear negative about Florida, we have a lot to offer as well.  We have Disney, Sea World, Busch Gardens, Universal Studios and other attractions right in the middle section of the state.  Additionally, we have the most beaches of any state, I th...
More About: Florida , Sunny , Flor

Are You Trying to Pay Off Your Mortgage Faster? If so, Read This...(Part 2)
2007-05-09 19:17:00
(If you did not read Part 1, please go back and read it as that is the basis for this post.)In the last post, we left John without a job the couple was forced to sell their home at a loss to avoid foreclosure.  We also mentioned how they regretted their decision.So, with continued analysis, let's first look at how they could have done better even with a 15-year mortgage and we will assume the couple has no financial difficulties.  John and Jane made a decent amount of money and found themselves in the 31% tax bracket and stated they planned to retire in 30 years.  What would happen if they invested their tax savings for the next 29 years?  What if they invested their $2,499 tax deduction in the second year for the next 28 years?Remember, the money you give to the government means you no longer have it, which is a 100% loss.  If you save that money from a legitimate tax deduction, such as mortgage interest, you now have that money to invest and grow compo...
More About: Mortgage , Read , Gage , Aster

Are You Trying to Pay Off Your Mortgage Faster? If so, Read This...(Part 1
2007-05-09 16:30:00
Most Americans dream of owning their own home, and owning their home free and clear of a mortgage.  While that may be a noble goal, they go about it the wrong way.  To assist in emphasizing this fact, we will take a look at a couple who are trying to decide which loan is better for them.  Here is their scenario...John and Jane are in their early thirties and expect to be working for another 30 to 35 years before retiring.  Traditionally, most couples in their position would have gone for the 30-year conventional home mortgage.  John and Jane, however, have some friends that have 15-year mortgages and love them, so John and Jane now are wondering if they should get the 15-year mortgage.While they remain optimistic about their earning power, like most of us, they remained concerned about having a mortgage for 30 years.  They began to think that a 15-year mortgage is a better idea.  After all, they would pay off their house quicker and then they could...
More About: Mortgage , Read , Part , Gage , Aster

Watch Out for Falling...
2007-05-08 08:28:00
I was doing some research today and looking into the future of the mortgage market.  It never seems to fail that technical indicators portray a good glimpse of the future, and with that in mind, I am off to predict the future of interest rates.Many of you may know that I run another blog off my main mortgage site that posts updates on the mortgage market and provides locking guidance for those that choose to float.  I get this information from several different resources as I do not like any one opinion, another thing many of you may already know about me.So, on to the real story behind this post.  This week is going to be an interesting one for Mortgage Backed Securities, the real driving force behind mortgage interest rates.  Below is a chart that shows the prices of the FNMA 5.5% coupon bond (from Mortgage Market Guide) over the last quarter.  I have drawn in some trend lines to assist in showing you the breakout pattern forming.As you can see there is a ...
More About: Watch , Fall

Where in the World is This Guy?
2007-05-07 21:13:00
That's right, I was off on another trip this weekend, spending a day in Mexico City.  So, here is another set of pictures I decided to post for your amusement and to test your geographical knowledge.  As usual, I will start of with a shot of one of the approaches we did during the trip, this one was Kingston, Jamaica... As is normal in Mexico City, it was very hazy and not conducive to taking photos.  I did take several interesting shots though, so I decided to post one here anyways, although this is not one for you to guess on either.  This shot is of Popocatepetl (El Popo for short), which is an active volcano as you can see the steam rising from the crater.  It is located about 41 miles to the southeast of the Juarez International Airport (Mexico City)... Yes, that is our wingtip, providing some shameless advertising for AA.com.  Sorry this picture turned out so bad, but if I can get better shots of the volcano, I will post them la...
More About: World , The World , Where

Where in the World is This Guy?
2007-05-05 04:05:00
Here is the next in the series.  These are some of the pictures I took during the last three days and here was my sequence so you can try to figure out some of the pictures...Wednesday...Miami - Caracas, VenezuelaCaracas - MiamiMiami - Grand CaymanThursday...Blogged on the beach (look at my last post)Grand Cayman - MiamiMiami - Medellin, ColumbiaFriday...Medellin - MiamiHopefully you know where these cities are.  If not, it will be a good geography lesson for you.  As I did last time, I will start with one of the approaches we did.  This is the approach into Grand Cayman... This island is a beautiful island and has some awesome snorkeling.  I left my snorkeling gear at home, so I blogged and worked instead this time, but I did get a beautiful shot of the sunset and a waterspout formed off the cost just after I did my blog.  I will try to work those pictures into a blog later.OK, now for the photos you get to guess on...The first was taken afte...
More About: World , The World , Where

Unique Opportunites Abound - You Just Need to Open Your Eyes
2007-05-03 16:02:00
Well, most of you know that I returned to flying and I decided to continue my mortgage business.  What you may not know is the opportunities it presents to grow my business.  Hopefully, you will be able to see some opportunities to grow your business after reading this post.Building relationships are a key to everyone's success.  You need to network and then partner with those who you can build that relationship with.  But have you ever thought aout the opportunities you have all around you when you are on vacation or other travel?This may make you sick, or envious, but don't be after I tell you where I am writing this from.  I decided to make this post while sitting on the beach here in Grand Cayman.  The reason is to present the fact you can work on your business, establishing and t building relationships that may be able to grow your business in ways you never thought of.No matter where your travels take you, near or far, you may be able to c...
More About: Eyes , Open , Unique , Ique , Nique