$8000 Tax Credit Extended

Senate leaders are negotiating to EXTEND and gradually reduce an $8,000 TAX CREDIT for first-time homebuyers through 2010!
Lawmakers are under pressure from real estate agents, mortgage brokers and homebuilders to extend the $8,000 credit before it expires Nov. 30.
First-time homebuyers who close before April 1 would get the full $8,000, and the credit’s value would be reduced by $2,000 in each successive quarter until expiring at the end of the year.
The program is aimed at easing the worst housing slump since the Great Depression.

Foods to boost imunity (Help fight against H1N1)

By Stephanie Tweito Jacob

As you prepare for the fall flu season by getting a flu shot, stocking up on hand sanitizing gel and decreasing your doorknob exposure, consider bolstering your immune system’s ability to fight viruses — including H1N1 swine flu — by adding certain foods to your diet.

“We’re not sure of all the reasons why our bodies break down, but we do know that food can absolutely help to build us up,” says Bonnie Taub-Dix, R.D., spokesperson for the American Dietetic Association and weight-loss expert in New York City. “It’s so important to prevent illness to begin with by getting enough rest, exercising regularly, following a healthy diet and not skipping meals. These are sure-fire ways to help boost your immune system,” she says.

“There’s no single food that will do the trick,” she says. “Variety is important.” Here, Taub-Dix’s top foods for flu season.

Garlic
Chopping garlic releases allicin, a sulfer-containing compound that houses a potent antioxidant, says Taub-Dix. “Antioxidants protect cells from free radicals that can damage them, making it harder for cells to fight disease,” says Taub-Dix, who suggests adding fresh garlic to sautéed vegetables.

Yogurt and Kefir
Embracing certain kinds of bacteria can actually help your immune system. Yogurt (look for cartons that say they contain “live, active cultures”) and kefir, a fermented milk drink made with kefir grains, all have probiotics or “good” bacteria.

In a recent study, probiotic bacteria was actually found to increase the body’s immune response to viruses that cause common infections like colds and flus by boosting T-cell production. Yogurt is also high in vitamin D, says Taub-Dix. A separate study found low levels of vitamin D to be associated with a heightened risk for respiratory infections like the flu.

Brazil Nuts
These large nuts are rich in zinc, a mineral known to improve the number of infection-fighting T-cells that also has antioxidant properties. Zinc deficiency has been linked to decreased response to vaccination and impaired immune cell function, especially in the elderly. But don’t overdo it: A few of these provide enough zinc for the day, according to Taub-Dix.

Tea
Tea is rich in polyphenols, chemicals found in plant foods that act like antioxidants to protect cells. And while green and white teas are particularly potent, all teas will have some benefit, says Taub-Dix.

Lean Protein
“Protein is important for tissue repair,” says Taub-Dix, who recommends proteins like white meat chicken, low-fat cheese or cottage cheese. Low amounts of protein have also been found to impair the immune system and have negative effects on T-cells.

Citrus Fruits
No surprise here. Taub-Dix recommends pink grapefruits, oranges and mangoes, which are all rich in the antioxidant vitamin C, something our bodies don’t produce or store on their own. And says Taub-Dix, “Studies have shown it can decrease the duration of a cold or flu-like symptoms.”

If you do begin experiencing flu-like symptoms see your doctor. “Even though I believe that eating these foods regularly can help you stay healthy, they’re not a substitute for seeing your health care provider for proper medication when needed,” Taub-Dix says.

10 years old witha big message to the world!

A must see! The amazing benefits to raw foods

http://www.youtube.com/watch?v=jSuqCMld00w&NR=1

What Giants are you facing in your life?

No matter how hard it seems keep pushing until you have given it all you have.  You will mostlikely surprise yourself.  It makes me think about the poem Mandela made famous when he read it.   Our greatest fearsare that we are powerful beyond measure.

Take a minute and enjoy a powerful clip in the movie Facing the Giants and if you have never heard this poem enjoy it as well.  Just wanted to share.

Our Greatest Fear —Marianne Williamson

it is our light not our darkness that most frightens us

 

Our deepest fear is not that we are inadequate.

 

Our deepest fear is that we are powerful beyond measure.

It is our light not our darkness that most frightens us.

We ask ourselves, who am I to be brilliant, gorgeous,
talented and fabulous?

Actually, who are you not to be?

You are a child of God.

Your playing small does not serve the world.

There’s nothing enlightened about shrinking so that other

people won’t feel insecure around you.

We were born to make manifest the glory of
God that is within us.

It’s not just in some of us; it’s in everyone.

And as we let our own light shine,
we unconsciously give other people
permission to do the same.

As we are liberated from our own fear,
Our presence automatically liberates others.

—Marianne Williamson

Great Things

“To accomplish great things, we must not only act, but also dream; not only plan; but also believe.” Anatole France

Treasury Announces New Programs For Distressed Homeowners

The Treasury Department on Thursday announced two new programs to help distressed homeowners avoid foreclosure. One program will provide incentives for lenders to modify mortgage terms, and the other will streamline the short sale process, in which a lender agrees to a sale for less than the value of the homeowners’ mortgage.

“Today we are announcing a new program component to help homeowners obtain modifications in areas suffering from home price declines,” said Treasury Secretary Tim Geithner in a statement. “If a modification is not possible, we are also announcing steps to encourage the quick private sale or voluntary transfer of property, which will save homeowners money and protect their financial future. These are critical steps in stemming the foreclosure crisis and stabilizing the housing market, both of which are critical to our economic recovery.”

Foreclosure Alternatives, one of the new programs under the administration’s Making Home Affordable effort, will make the short sale process easier for a borrower who is eligible for a Home Affordable Modification but who “does not qualify for a modification or cannot maintain payments during the trial period or modification,” according to the Treasury.

A short sale is a homeowner’s last resort before foreclosure if a loan modification is out of reach. Short sales are less damaging to homeowners’ credit and are less costly both for borrowers and lenders — one study found that loan losses average 19 percent with short sales, compared with 40 percent with foreclosures. But more than three-quarters of short sale deals fall apart, mostly because lenders drag their feet after receiving offers. And as those properties languish vacant on the market, they drag down property values for entire neighborhoods.

The real estate industry hailed the Treasury’s announcement.

“Obviously we’re excited about it,” said Mike Ryan, senior vice president of global real estate company Re/Max, in an interview with the Huffington Post. “We had meetings this past week with FHFA and Fannie Mae staff and we provided them with information that’s very much parallel with what we’re reading today. We’re very excited that there’s a focus in the administration on short sales.”

Earlier this year, Re/Max began offering courses to give agents expert certification in the short sale process.

“In the last 60 days we’ve registered over 5000 people” as certified distressed property experts, Ryan said. “We’ve been doing everything we can to spread the word about short sales and we’re really happy to see now that somebody’s taking notice.”

Yes You Can!

“The Chicken and The Eagle Story” by Dr. Eldon Taylor     http://www.youtube.com/watch?v=dHAfVl-t1Hg

Life=Risk–Motivation  http://www.youtube.com/watch?v=0yetHqWODp0

Truer Words Were Never Spoken

Truer Words Were Never Spoken  The less you associate with some people, the more your life will improve. Any time you tolerate mediocrity in others, it increases your mediocrity. An important attribute in successful people is their impatience with negative thinking and negative acting people. As you grow, your associates will change. Some of your friends will not want you to go on. They will want you to stay where they are. Friends that don’t help you climb will want you to crawl. Your friends will stretch your vision or choke your dream. Those that don’t increase you will eventually decrease you. Consider this: Never receive counsel from unproductive people. Never discuss your problems with someone incapable of contributing to the solution, because those who never succeed themselves are always first to tell you how.  Not everyone has a right to speak into your life.  You are certain to get the worst of the bargain when you exchange ideas with the wrong person.  Don’t follow anyone who’s not going anywhere. With some people you spend an evening: with others you invest it.  Be careful where you stop to inquire for directions along the road of life.  Wise is the person who fortifies his life with the right friendships.   If you run with wolves, you will learn how to howl. But, if you associate with eagles, you will learn how to soar to great heights.   A mirror reflects a man’s face, but what he is really like is shown by the kind of friends he chooses.”   The simple but true fact of life is that you become like those with whom you closely associate – for the good and the bad. Note: Be not mistaken.   this is applicable to family as well as friends.  Yes…do love, appreciate and be thankful for your family, for they will always be your family no matter what.  Just know that they are human first and though they are family to you, they may be a friend to someone else and will fit somewhere in the criteria above.  ”In Prosperity Our Friends Know Us. In Adversity We Know Our Friends.”    ”Never make someone a priority when you are only an option for them.”  “If you are going to achieve excellence in big things, you develop the habit in little matters.  Excellence is not an exception, it is a prevailing attitude.”   Colin Powell

PG County NSP

PG County NSP Update

Many of you have asked questions regarding the Prince Georges County NSP and when we could start utilizing it.  Below is the most updated information from Rosalyn Clemens, Project Manager NSP. 

Some of you attended one of the meetings that Rosalyn conducted and know that the program has its strengths and weaknesses.  It is important, however, for all of us, as industry professionals, to be in a position to answer our clients’ questions regarding the program.

Dear NSP Participating Lender: 

Please be advised that the NSP Program will not be launched on May 15, 2009.  The County is still awaiting the release of funds from HUD.  As of 5/14/2009 we do not have a date when that release will be granted. We are also working to modify the 15% purchase discount requirement prior to the launch of the program. We appreciate your patience and interest in the NSP Down Payment and Closing Costs Assistance Program.  If you have any question please e-mail me at: rbclemens@co.pg.md.us.

Rosalyn B. Clemens, NSP Project Manager