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

Free Pool Table

 

A friend of Matt Fien has a pool table he is giving away. If you are interested please contact  Arthur Gold at agold@macsonline.org

 

Register your cell phone on the national do not call list

REMEMBER: Cell Phone Numbers Go Public next month.

REMINDER…. all cell phone numbers are being released to
telemarketing companies and you will start to receive sales
 calls.
 …… YOU WILL BE CHARGED FOR THESE CALLS
 Even if the message is saved on your phone, you will be
 charged for the minutes to listen to it.

To prevent this, call the following number from your cell
phone: 888-382-1222 .

 It is the National DO NOT CALL list. It will only take a
minute of your time. It blocks your number for five (5)
years. You must call from the cell phone number you want to
have blocked. You cannot call from a different phone number.

 HELP OTHERS BY PASSING THIS ON TO ALL YOUR FRIENDS.. It
 takes about 20 seconds.