Tuesday, December 23, 2008


I'm floored with this site. I don't know who's the brains behind it but, I take my hat off to them! I've tried other sites that offered viral advertising. There's tons of sites online that claim to provide you with massive site traffic. I've tried more than I would like to talk about. They all fall short of their bogus claims then blame subscribers for not doing enough clicks or paying enough money. This remarkable site is FREE to sign up and delivers immediately. I started getting orders and requests for information pouring in as soon as I started with them. You have to see for yourself.

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Wednesday, December 17, 2008

This Will Take Affiliate Marketing To The Next Level!

How to Explode Your Affiliate Income!

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Hi there,
Here's an interesting blog post for you..
When videos started to grow popular on the Internet inthe past couple of years, the Internet Marketinglandscape started to change.
Affiliate Marketing was not exempted, either.
The most classic mistake people tend to make inaffiliate marketing is not capturing the opt-in leadsfirst before sending their visitors to the merchant'swebsite.
So what smart marketers often do is that they wouldhave their own Squeeze Page for the visitors to optinto their list, before sending them to the websitethey are an affiliate for.
This is so the affiliate marketer can build his ownopt-in list and do his follow-ups later.
A few but exceptionally smarter marketers, on the otherhand, take this to the next level.
You probably notice most top Internet Marketing expertsare now using videos on their Squeeze Pages. Andsmarter affiliates are also doing the same for theirown, for one obvious reason:
Unfortunately, the problem with video marketing is thatto begin with, you have to know how to make your ownvideos.
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Saturday, December 6, 2008

Crooked Insurance Companies!

One of my professors said, "Our nation will never rid itself of crime. It's too profitable of an industry." This same individual also taught that laws were written in favor of law breakers and many times it's the honorable, law abiding, tax paying citizen that's harmed after becoming entangled in the grips of corrupt system. Speaking of corrupt systems......Such is the case of many Houston homeowners negotiating with lenders and insurance companies trying to recover from hurricane Ike. I've heard stories of some claimants who have called their insurance company and were issued blank checks for damages that never occurred. Then others, who actually sustained extensive damage have be treated like criminals.

Let me explain by using my latest client's situation as an example heretofore referred to as Mr. Dahellup. Let's make Mr. Dahellup's first name Fed.

I spoke to Fed prior to the storm. He owns two home in the same basic southwest Houston area. One home he uses as rental, the other as primary residence. Mr. Fed has or...had, great credit and has always paid both mortgages on time. Fed's primary home is worth $130,000 with approximately $90,000 remaining in liens against it. As for Mr. Fed's rental property, it has depreciated in value to approximately $55,000 due to foreclosures in the area. It has existing liens against it as well totalling $75,000 which actually makes it upside-down. Fed doesn't mind it's diminished value though, because he has....or had, a tenant who was paying enough to cover the liens plus put a little cash in his pocket. Fed is completely content with paying off his debt. He's a hardworking, tax abiding, law abiding, believer in the free enterprise, U.S. citizen. Then came Hurricane Ike. Ike was a natural disaster no one could predicted. Fed's rental property experienced extensive damage.

Mr. Fed has always kept his insurance current on his property and his insurance company has always seem to be fair and honest so, he wasn't really worried about repairs. To prevent his tenant from being displaced, Fed spent some of his personal cash while waiting on insurance claims to re-imburse him for expenditures. Fed put a ding on his credit with a late payments on his rental property. Fed fell two months behind on his rental mortgage payment. Fed is about to learn a very costly lesson.....which is: "The quality of service rendered by insurance companies quickly diminishes after one needs to file a claim."

Rather than sending the money directly to Fed, the insurance company disbursed the check made payable to Fed and his lien holder. Fed forwards the check to his lien holder explaining that he has already spent some of the funds but needs to complete the work for the house to be habitable. Fed's tenant discovered that some of the water damage behind the walls are developing into mold making the house unsafe. Fed's tenant moves out due to health reasons. Fed's mortgage servicer informs him that because of his arrears, they are not going to release the insurance check to him. Fed can't finish the repairs on his $55,000 home which has a $75,000 lien on it....

I received a phone call....... The individual on the other end of the phone starts by saying, "Hi Mr.Green, I need your help selling my home." I say sure, I'd be glad to! I'm glad you called! Then I ask......"Who is this?" He says, "It's me, I'm Fed Dahellup!".....

In these cases, no one wins..... all because of some clerk collector not looking at the whole picture.

Sure, I'll do what's best for my client. In this case probably a short sale in the amount of $40,000 will be in order. The sale amount needs to be low enough to excite investor money. Heck at that price I might even buy it. Mr. Fed's position is to just give it away to who ever wants it. He's tired of messing with them. I'm gonna personally go to bat for him and begin talks with these crazy entities. Keep you posted.....

Wednesday, December 3, 2008

KnowledgePlex Article

Julianne Pepitone
CNN Money
December 3, 2008

Mortgage applications more than doubled in the holiday week ended Nov. 28, the Mortgage Bankers Association said Wednesday, as government bailouts led to sinking interest rates. In the weekly report, the Market Composite Index - the association's measure of mortgage loan application volume - surged 112.1% on a seasonally adjusted basis from the week earlier.
On an unadjusted basis, the index increased 51.4% from the previous week; it was down 21.9% from a year earlier, the report said. Results include an adjustment to account for the Thanksgiving holiday.
Rates plummeted following the Fed's announcement that it would buy debt and mortgage-backed securities from mortgage finance companies Fannie Mae and Freddie Mac, according to Orawin Velz, associate vice president of economic forecasting, in a statement.

"Many of those on the sidelines decided to quickly jump in and take advantage of lower rates before they began to rebound," Velz said. The Mortgage Bankers Association said 30-year fixed-rate mortgages fell to 5.47% this week. That's was down from 5.99% last week. Rates on 15-year fixed-rate mortgages fell to 5.13% from 5.78%, the report said. The rate on a one-year adjustable-rate mortgage declined to 6.61% from 6.87%.
Copyright 2008 Cable News Network All Rights Reserved

Sunday, November 30, 2008

Anfractuosity Protection

How does one protect him or herself from the effect of such an anfractous economic market? By sticking to the basics. Buy for one and Sell for two. Don't stay on the sidelines....like the Lottery motto, "You gotta be in it, to win it!". I talked to one of the manager's in the U.S. Postal system. She told me something that real got me thinking. She said that every 1 cent increase in gas prices equated to about 500 million in Postal Service operational overhead. Granted, this conversation took place during the height of our recent inflated gas price ordeal. But think of it...if that's the case for the Postal Service, then what will be the effect of recent lowered gas prices on the overall national economy? It has to be monumental! I started a thread in BiggerPockets a while back on the gas prices issue and was amazed at some of the posts I received. It was a real eye opener.

Here's a few facts that might make the astute investor consider the possibility of real estate as a viable alternative to the current market instability.

  1. Current mortgage rates are at a 30 year low. Money for qualified buyers is cheaper than it's been in 30 years.
  2. Existing real estate to include new construction is on the average 22% less than true values and many sellers are more than negotiable.
  3. The decreasing cost of gasoline is equivalent to approximate 300 billion dollars worth of economic stimulus.

The past economic melt-down was signaled by distinctive signs. Even so the U.S. market has began it's natural process of cicatrization. My suggestion is strike while the iron is hot and leave the hackneyed excuses to the faint at heart. I think it was Warren Buffet who said that he reacts with caution when others are greedy and forges forward courageously when the multitude cringes in fear. It's good advice! The time to act is Now! Don't wait too late!

Sunday, November 23, 2008

Deuteranopia A Useful Atribute

I was listening to one of the radio talk shows yesterday. It was a Financial Management program. A high percentage of the call-in listeners expressed the same concerns. To wit: "I'm nearing retirement age and have lost much of my retirement in the stock market!.....What do I do?" The host of the show, a Financial Markets Expert, repeated the same response which was, "Don't take your money out of the market....redistribute your portfolio. Stay in the stock market. Call our office and we'll help you". It was sorta funny in a sad kind of way. Some of the people calling in were even current clients who had lost money with their firm.

I sell real estate and mortgage products. I'm going to tell you that the best place to put you money is in real estate. That's a given! Car Salesman will tell you that the best time to purchase a new car is now. Even though the stock market is experiencing a major meltdown, Stock Brokers will tell you that the best place for you money is in the market. You be the judge.

I'm reminded of a lesson I learned as a youth. Never want the wares presented to you by a con-artist. Don't envy the wealth of another. Don't desire the wine when it's calling you even though it looks such a nice red in the glass.

The key to this market in my opinion is to go against the grain. Deuteranopia blocks out the tendency of an individual to be attracted to green. It actually blocks out the ability to distinquish colors in the green, yellow and red hues. Greed and envy is often characterized by the color green. The color yellow is often attributed to fear and everyone knows that red is sometimes used to represent hate. Let us all desire a taste of Deuteranopia in this current market. Not falling for false promises, free from fear, and not allowing past failures or broken promises of pie in the sky to stop us from achieving a successful destiny. I thought it was a funny analogy using colors.

As for where I would put my money......real estate in traditionally stable markets! I also recommend that you invest in eternal projects. I have always contended that the best place to invest is in one's own family. Or, I don't know how many of you readers believe the Bible. Myself, I'm a Christian and believe much can be learned in relation to financial matters from scripture. I think this current market will correct itself eventually. What we're currently seeing is the framework being laid for a coming global joining of three major components...economics, political and religious. With that in mind I recommend another temporarily safe place to put you during this transition which is gold and silver. But bare in mind that the fulfilling of God's word spoken in the Bible in the Book of James 5: 1-5 will surely come to pass. Take a few minutes to read it if you can spare the time.

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Tuesday, November 4, 2008


I just got off the phone with the owner of a small house in Tennessee. She wants to sell her 3 bedroom 2 bath home as-is for aproximately $16,000. The home need $5,000 in repairs and is worth $45,000 to $50,000 once repaired. I asked the seller if she would accept a contract contingent upon the inclusion of and or assignee as one of the prospective purchasers. She stated that it would be o.k. I myself would rather work on transactions close to home but, am willing to turn this transaction over to anyone who might be interested for a minimal fee of $200 prior to pursuing it. I actually figure one could probably sell this property for 50 cents on the dollar without doing repairs for a quick $6 or $7 grand. If you want info the the property email dcgreen@houstonhotdeals.com with QUICK $7,500 in the subject line.

Monday, November 3, 2008

Layan Gardens, stunning Phuket Apartment's

Situated on the gentle sloping hills of Layan, Layan Gardens is a premier luxury Phuket apartment development. Layan Gardens was completed in late 2007 and has just a few remaining apartments for sale.

Layan Gardens is a premier Phuket apartment complex for good reason. Layan Gardens has been constructed by Dufor Development, an established UK builder based in Thailand, has spacious, well designed apartments with balcony views of rolling green hillsides, azure lakes and spectacular sunsets and the apartments are only minutes away from some of Phuket's finest local amenities.
Layan Gardens is comprised of 40 luxury apartments in five buildings on six acres. Each Phuket apartment has three metre high ceilings and spectacular views. The development comprises of 4 apartment layouts; the remaining available apartments are the 3 bedroom Enlarged and Standard. All the penthouses and 2 bedroom apartments have now been sold.

Find Out More.....

Knowing When to Hold 'Em!

I'm on the MLS daily searching properties in the Houston and surrounding area. I'm amazed at the number of great deals hitting the market. This current market has presented valuable purchase opportunities for every price point. I was talking to an agent early this morning who's property was selling for $68,000. It's part of a 9 or 10 group of single family homes owned by one investor. The properties are selling for around 65 to 68 cents on the dollar.

I often send out generic e-mails to short-sale, pre-foreclosure, and foreclosure listed properties asking whether or not they would consider even further discounts off the listed extremely short, short price. Occasionally, they respond with YES!!! PLEASE SEND US AN OFFER!!!

I'm currently working on a transaction where the builder really doesn't care what the selling price is. He stated that whatever the lender would approve as a short sale, he would be willing to sign off on. So I'm recommending that all of my potential customers make sure to purchase properties well under value in traditionally stable areas also be prepared to hold on to properties for at least 5 to 7 years.

Here's an article containing some great purchase tips!

Buying Smart(Housing : U.S.) 10/31/2008
SAN ANTONIO (San Antonio Express-News) – Those wishing to buy a home under the current economic conditions may be glad they did, as long as they are wise in selecting their location.

Barry Nystedt of the National Association of Exclusive Buyer Agents predicts that values in many coveted communities very gradually will begin rising during the next six to 12 months. In areas where the economy is weak, however, he says prices could remain stagnant for three years or longer.

“Right now there are too many properties for sale in lots of places. But in areas where inventories are starting to tighten, you should soon begin to see signs of recovery,” he said. Industry experts give homebuyers a few things to consider when selecting a neighborhood. Among the things a buyer should look for are:

Read Entire Article:

Friday, September 26, 2008


I've done all the work for you!

I've found the best source of leads, the best contact management system, the best auto-dialer voip, the best prices. If you're like many professional sales people, total sales utopia can best be described as a built-in data retrieval system that automatically separates prospects from suspects at the push of a button. Finally it's here! My phone is ringing off the Hook! Let me share my system with you! Unless you're in Houston....lol! Just kidding! There's plenty of business to go around. With my new system in place, I can show you how to reduce your lead generation cost to almost ziltch while at the same time only talking to prequalified leads who are filtered and ready to spend money! Don't pay the extreme live transfer prices of $25 to $65 dollars per lead! Don't pay the crazy prices for so called guaranteed trigger leads. I'll show you how to get the best quality leads at wholesale prices straight from the credit bureau repositories!

If you're selling anything from Real Estate to Mary Kay, don't miss out on this hot system. I'll walk you through the entire process. I'll set you up with one of my automated dialers along with super cheap leads based on you're specific requirements. I'll show you how to adhere to Federal DNC requirements. Don't miss out! Take advantage of the less strenuous DNC requirements before they expire in September of '09. Contact me today for pricing!

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Pre-foreclosure leads that are updated daily direct from the credit bureaus. You can now target pre-foreclosure leads that are currently 30 days, 60 days, 90 days, or 120 days late on mortgage. Reach your prospects before they receive a NOD and at the first sign of trouble. These are ideal prospects for loss mitigation, loan modification, short sale, and real estate investors. All pre-foreclosure leads comes with full name, address, mortgage amount, and late status. We guarantee accuracy on all of our pre-foreclosure lists.

Notice of Default (NOD) Leads
Target actual public filings of NOD (Notice of Default). These homeowners have had foreclosure documents filed by their mortgage companies and the lawyers have filed in accordance with local authorities. These homeowners are drowning and need offers to help them with a foreclosure mitigation, short sale, lease option, refinance, and more. Take a look at some of my filters:

Date of Default
Amount of Default
Auction Date
Opening Bid
Sales Price
Original Loan Date
Property Indicator
Number of Units
Living Area Sq Ft
# of Bedrooms
# of Bathrooms
# of Garages
Lot Size
Year Built
Current Land Value
Current Improvement Value
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Consumer Lists
Pinpoint your target audience with our consumer lists the most comprehensive consumer database on the market, covering more than 110 million households and 220 million individuals! With over 500 demographic and lifestyle characteristics to choose from, let me put together the best consumer list for your marketing campaign.

Spanish Leads
Our Hispanic Households file generates the best Spanish leads and is our best performing ethnic file available. Hispanics represent $300 Billion dollars worth of buying power that continues to grow exponentially and are the fastest growing population in the United States. Our Spanish leads are identified through our proprietary software that allows us to match first and last names to best identify Hispanic households to generate the best Spanish speaking leads in the industry.

Biz Opp & Entrepeneurs Lists
This multi-business owner file is sourced from Yellow Pages ads, Telco/utility updates, DBA Filings, New website registrations, and other reliable sources. These entrepreneurs and business opportunity seekers are active responders to marketing programs and request additional information on many types of business ventures and investment opportunities. Check some of the filters:

Fax where available
Employee Size
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Primary SIC
Zip +4
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ARM Leads
We offer a database that includes both credit bureau and county tax/deed record overlays and include dates of refinance for adjustable rate mortgage. This data is obtained by direct compilation at the county court house and can be augmented with all three major credit bureau databases. This quality data enables you to generate top notch ARM leads for your team.

E-mail me for quick pricing dcgreen@houstonhotdeals.com

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Monday, September 8, 2008

Who Wants $100,000?

I'm so excited about this new listing! It's a quick money maker for the right individual. I'll give you a brief overview here on the blog. For more information, you will need to e-mail me. The property is located in one of Houston's Historical neighborhoods. It was originally purchased by one of my clients under valued a couple of years ago. At the time of purchase, the property value was worth approximately $210,000. The same client then spent $40,000 plus in building upgrades converting the property into a salon. The current tax assessed value of this property is $180+ and it's estimated market value, (business included is $325,000+).

Here's where it gets good! The seller only wants $175,000. For more info: dcgreen@houstonhotdeals.com

Wednesday, August 6, 2008

Short Sales $100,000 to $150,000

There some real values on this list. I'm gonna keep adding to it so keep checking back. For instance.....I spoke to one of the owners who flat out stated that she would entertain any offer that the lender would accept. Another agent explained that the sellers would take any offer to prevent foreclosure. Yep! There's gold on this here list! One property is located is a traditionally strong stable Houston area bound to bring it's new owners great results.
Check out the list here! Return later to read my notes from discussions held with the agents and or property owners.

Friday, July 25, 2008

Such a Hot Deal about to come available.

Have you every wanted the opportunity to negotiate with the seller before the property is available to anyone? Here's an opportunity to do just that. Let me explain....

Recently I held an open house on one of my rentals. One of the viewers told me that she needed to move quickly and wanted me to help her locate a rental home. After working with her for a couple of days, I discovered that she currently owns a home that she's going to walk away from because of two reasons.

1. An adjustable rate mortgage continually going upward.
2. Not being able to refinance due to market changes.

She also feels like the area that the property is located in is depreciating due to nearby foreclosures.

I took a look at the numbers and guess what? The numbers state that this is a great property to hold on to. This is a great property for someone looking for a short purchase. If you want to stay updated on this property drop me a quick e-mail.

Tuesday, July 22, 2008

Easy $50,000 in Equity

Just got off the phone with a out-of-town seller who owns property here in the Houston area. She's easy to work with and not profit driven. She just wants out of the property. I took a quick look at the comparibles for properties in the area and was delightfully amazed with the results.

For those that want to hold on instead of flip, this property has strong rental potential @ over 3200 square feet. With this subdivision's hot rental market demanding 59 cents a square foot, this property is a real gem coming in at over $1,900 per month.

There's plenty of room in this one. Email me for further details.

Thursday, July 17, 2008

Recent E-mail

I had some difficulty sending this to a friend....so I'll post it here and forward this address to him.

Hi Charles,

Long time no see! Enjoyed chatting with you today.

As I mentioned during our conversation, we can help individuals who are in danger of losing their homes regardless of credit or equity. They can have horrible credit....as a matter of fact, there's no credit check involved. As for equity....we have a program specifically designed for individuals who purchased a home that has depreciated in value.

If you have anyone who needs to save their home, let us know. As for your referral fee, simply let us know what you want and add it to the amount of the initial fee. As I mentioned, the fee is based on the homeowner's monthly payment. The minimum fee is $1500. We will work on hardship cases....case by case.

Here's more infohttp://www.uslossmitigation.com/jgreen/

Yea the Market is sorta topsy turvy but.......we still have great programs.
........call me. I have the programs! I'm always accessible even holidays and weekends.
CALL NOW! Direct

NOW IS THE TIME TO DOMINATE THE SHORT SALE MARKET!http://dcg123.ultimatess.hop.clickbank.net/

To be removed from further emails simply reply to this address with the word "REMOVE" in the subject line

Tuesday, July 1, 2008

Houston Market

The Houston real estate market remains strong even during current economic uncertainties. Several factors contribute to Houston's vibrant real estate industry. Houston’s after tax living cost makes it one of the best places in the U.S. to live at approximately 12% below the national average. This is largely due to the fact that Houston’s housing cost is 26% below the national average.
Houston, Sugarland, Baytown’s $325.5 billion Gross Area Profit (GAP) for 2006 was more than Austria’s, Poland’s or Saudi Arabia’s Gross Domestic Product (GDP). In 2006, Forbes Magazine ranked the Houston Metropolitan area as the third best places in the U.S. for businesses and careers.
Houston’s major industries are Oil & Gas, Manufacturing, Engineering, Real Estate, Medicine, Biotechnology, Aerospace, and Marine Science. There is no state or local personal income tax. Sales Tax is 8.25%. Even the horrific collapse of Enron has not prevented Houston from ranking among top three cities for investing in downtown redevelopment projects.

I once felt that legislators missed the boat when introducing 80% maximum LTV of appraised value for cash-out refinancing. That same requirement has helped Texas homeowners retain large amounts of their home equity during the current mortgage sub-prime meltdown.

Many foreign investors are taking advantage of weak U.S. dollars and strong Houston real estate values to reap huge rewards. Read More......

Wednesday, June 25, 2008

Stop Foreclosure

Stop Foreclosure!
Lower Your Monthly Payment!

I was passing out flyers today when I was stopped by a lady wanting help. She, like many other hard working americans was experiencing the backlash from the Sub-Prime Mortgage Meltdown. As we talked I started to recognize a repetition of circumstances leading up to her current plight. She was a UPS employee who had purchased a home using a ARM with marginal credit. Now that the Sub-Prime market no longer existed, she was trapped with a product due to continually adjust until it reached it's cap.
To better understand the damage done by the withdrawal of sub-prime mortgage products, let me take a quick minute to give a quick over view of the sub-prime customer grading profile. The quickest way to understand sub-prime is to understand what is not sub-prime. Mortgage loan qualification is based on various factors. Each factor must meet certain guidelines. Those factors are 1. Income as it relates to debt. 2. Credit. 3. Job history. 4. Rental History. 5. Downpayment. Conventional lending or Prime lending requires that each of the aforementioned criteria must adhere to certain guidelines i.e. 1. Income depending on the type of mortgage product, ......not more that 17% of your income can be absorbed by your mortgage payment including principle, interest, taxes and insurance. This is called front end debt to income qualification. Back end debt to income qualification dictates that no more that 36 to 42% of one's income can be exceeded towards any long term debt (Long Term = debt with more than ten months worth of payments remainding), including one's mortgage payment.

Anyway without being too detailed suffice it to say that Prime Lending adheres to stricter guidelines than Sub-Prime. To abbreviate the Sub-Prime over view, let me simply state, under th past sub-prime guidelines, any one of the five (5) required Prime criteria could be ignored as long as the other four were met. Sometimes, depending on the strength of a certain factor, even more of the others can be ignored. For instance, if the client's credit is strong enough, he or she didn't need a job. Or, if the downpayment was large enough, he or she didn't need a social security number.
For over 13 years I personally originated sub-prime products. When many of my clients found themselves burdened under unbearable mortgage payments, I vowed to discover a way to help relieve the pressure of accelerating monthly payments. I looked into loan mitigation and mortgage loan modification for our property. I was not able to save our rental properties but, I was able to lower the payment on our personal dwelling and obtain a 3% interest rate. This is the secret that Investors and Lenders don't want you to know. I don't have a mortgage calculator within reach while I'm writing this article. Actually I don't feel like getting up and getting one. But, I'm going to use a general example so that you can get the jist of this concept. With a fully amortized mortgage loan $200,000 paid off in 30 years @ 8% could easily amount to over $500,000 dollars. The same principle amount repaid at 3% equals a little over $300,000. The secret is that under the current mortgage and economic crisis, lenders are willing to settle for the lesser amount as an alternative to foreclosure. Let us show you how it's done. On a $200,000 mortgage, it could mean the difference between a $1400 a month payment and a $800 dollar a month payment for the same house. NOTE: Credit is not a criteria.
We all know that life is unpredictable, and that circumstances often arise that can prevent you from making your mortgage payments.
Even hard-working people can encounter unforeseen situations which may affect their ability to pay their mortgage in a timely manner. Many issues can be contributing factors such as temporary job loss, medical illness or injury, marital difficulties, unforeseen repairs or high utility rates, tenant problems, or even a death in the family. Just one of these situations can have a direct bearing on making home mortgage payments.
Our Goal is Solely to Assist Homeowners
At American Home Savers we provide assistance to homeowners experiencing rate increases(due to adjustable arms), mortgage or foreclosure difficulities. We provide out of court resolutions to remedy your mortgage delinquency and foreclosure situations.

Triad Mortgage and Realty
Contact Me for More Information

Or just Call me Direct 832-754-5365

Thursday, June 19, 2008

Foreclosure Tips

I was talking to a client today who informed me that someone from the city spoke to her and was going to help cure her arrears by adjusting her escrow account. I asked her if her payment included principle, interest, taxes and insurance. She said no. I then informed her that she did not have a escrow account to adjust and to be careful about calls from individuals who claimed to be able to cure her default judgement and stop her foreclosure for a fee.Here's a few tips and guidelines to remember when facing foreclosure. The most important advice is to talked to an expert that's honest and will advise you to your best interest. As long as you own the property, there's options available.Also remember that your mortgage lien holder may not always choose the best alternative for your financial future. Many lenders are directing borrowers into repayment plans that defer past due amounts payable at the same interest rate but extended terms. The best solution for most borrowers in many cases is a total modification of current loan terms into a lesser principle amount or a lower interest rates.

Friday, May 9, 2008

Ex nihilo nihil fit

Nothing comes from nothing. One must give back to the same source from which one has derived great wealth. With the diminishing of the sub-prime market, new opportunities have emerged in the financial arena. Seems too good to be true but, if you act now there's help for all of you that are holding adjustable rate mortgages with no where to go. I can show you how to obtain new loan products with rates as low as 3%. Sounds crazy! But, it's true! Even with bad credit, foreclosure initiated, upside down equity! No Problem!
Find Out More.....

Tuesday, April 8, 2008


Must Read: Top 5 Things I Love About the Current Real Estate Market

Great Article

Even the most lazy can learn to be sedulous when seeking that which is close to one's heart.

Monday, March 24, 2008

Wednesday, March 12, 2008

Hot Bar Puzzle

Great little funny puzzle to initiate loose ice breaking conversation with the opposite sex. Don't have to use only in the bar. Can be used in many different places and settings.

read more | digg story

Tuesday, March 11, 2008

Most Loved Word! FREE!

Everyone loves the word free. It's not the most loved word, but it comes in at a close second behind one's own name. To keep the Brainionare site fresh with new content, traffic and returning visitors there will always be great FREE stuff. Such is this new Real Estate Tools Publication. THE REAL ESTATE INTERNET YELLOW PAGES. Powerful complete online tools and links for the success driven real estate professional. Get your free copy now!

Monday, March 10, 2008

Computer Picks Next President

Computer program chooses the best presidential candidate for you based on your own personal issues.

read more | digg story

Friday, February 29, 2008

Mastering the Art of Dontopedalogy

To some it's just a matter of keeping one's mouth shut. To us who know better, it's an unachievable goal. If any claims to be the master.....take a gander at my ramblings from time to time.

Thursday, February 28, 2008

Monday, February 25, 2008

Bank Iacocca Poised to Rob America!

"People want economy and they will pay any price to get it. " Lee Iacocca

Today while going thru my e-mail, I noticed a message containing a newsletter from Biggerpockets. I thought to myself how pleasantly surprised I was when I received a phone call and a chat from Joshua this weekend. By the way, if you are involve with real estate, mortgages, investing or property management and are not a member of Biggerpockets I highly recommend that you join. It is the premier real estate online community. Anyway, I found the following items in the newsletter rather interesting and wanted to comment.......

The House Committee on Oversight and Government Reform will scrutinize the compensation and retirement packages of one chief executive and two recently deposed CEOs of companies ensnared in the mortgage crisis. The witness list includes: Angelo Mozilo of Countrywide Financial Corp., the nation's largest mortgage lender; Stanley O'Neal, formerly of Merrill Lynch & Co.; and Charles Prince, formerly of Citigroup Inc.

What does scrutinize mean?

On another note.... Bank Iacocca is proposing that American Tax payers subsidize it's bad debt via the formation of The Federal Homeowners Preservation Corporation. Everyone in the industry knew that B of A needed to buy a clue when it came to Sub-Prime Financing. So, what did they do instead? They made bad loans to Countrywide then bought the doggon kit and kabodle. Unbelievable!

Those of us who have been in the industry for any length of time are personally acquainted with the underhanded tactics used by Countrywide. They were known to manipulate and steer potential buyers. They inflated appraisals and property values. They stole commissions from their own in house staff who in turn stole deals and sold them to the highest bidding non-affiliate Broker.

During the beginning of the end Countrywide informed it's department that worked on re-fi leads generated by credit inquiries, that they would have to continue making the same amount of bricks without Countrywide's supply of hay and mortar. Countrywide allowed them to work the trash while housing the good deals.

This deal that Bank Iacocca is proposing just does not give me that warm fuzzy feeling. Read More....

Sunday, February 24, 2008

Property Management

The goal of good property management is to maximize the desired return (fiscal, social, or physical) from a real estate investment over the life of the property. The result is a clean, quiet, well-managed, well-organized (usually multifamily rental) property. This section contains information on the various aspects of property management, including physical maintenance and upkeep of the property, marketing and occupancy management, fiscal management, resident relations, personnel and staffing, and security. This page is loaded with info.....

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Monday, February 18, 2008


I need comments on this thread. It's located in one of the premier Real Estate Forums on the net. Even if all you do is grab a free gift and say thanks, I'll really appreciate it. Please help, I'm trying to win a New Blackberry. I need my friends to help. You will need to join the forum but, believe me it's a great place to network.


Sunday, February 17, 2008

Duty first or Family?

CAMP TAJI, Iraq, Feb. 14, 2008 – A little more than two years ago, Juliana Rizzo was a real estate agent living in Long Island, N.Y., with her two children, Angelo and Amanda, when she decided it was time to fulfill her childhood dream.
Find out what she did....

Wednesday, February 13, 2008

We're Gonna Need More Monkeys

The Washington DC legal newspaper, Legal Times, is reporting that Kevin Murphy, a legislative aide to Senator Gordon Smith (R-Ore.), has recently taken a job with cable and film giant Viacom. Senator Smith, you may remember, is one of the Hill's leading proponents of the broadcast flag. Smells fishy, you say? Legal Times thinks so, too:

read more | digg story

Fed Restrictions Will Further Weaken the Real Estate Market

Although lenders have engaging in amoral practices the timing of new fed restrictions on lenders should further weaken the real estate market which has already been hurt by the housing bubble in some areas and the subprime meltdown.

read more | digg story

Seafood Concern

Occasionally I get a taste for a nice shrimp recipe. One of my favorites is shrimp dip. I recently discovered that one of our (U.S) fish suppliers was raising a peticuliar type of fish in the same water where it was commonly know to be a popular dumping site.

With all the concerns over imported seafood, my wife and I have become a little more finicky about imported seafood. So I have started reading the container labels and doing some studies in an effort to learn where my seafood is coming from. DUH! It's sorta like gambling.....you always do better before you learn how.....lol.

Tue Feb 12, 12:08 AM ET
WASHINGTON (AFP) - US grocery chain Trader Joe's said Monday it would stop selling food imported from China due to customers' concerns about the products' safety.

"Our customers have voiced concerns about products from this region and we have listened," Trader Joe's spokeswoman Alison Mochizuki said in a statement.
"All single ingredient food items sourced from mainland China sre scheduled to be out of our stores by April 1," she said.
"We will continue to source products from other regions until our customers feel as confident as we do about the quality and safety of Chinese products."
A series of consumer scares last year involving harmful products from major exporter China, including seafood, cat food, medicines and toys, led to mass product recalls and the tightening of US safety regulations.
Trader Joe's, which focuses partly on selling organic food, was founded in California in the 1960s.

Sunday, February 10, 2008

Quick Paying Affiliate Progam!

As many of you know, I'm constantly bombarded with requests to try different affiliate programs. Many of them end up being scams and I eventually have to remove their links from my pages due to lack of activity or redirecting credit. Now that my personal domain sites are starting to get higher ranking, I'm a little more particular about which programs I recommend. So here's one that I do. You'll find it posted on my Newsletter page. ClixGalore generates cash quick and deposits money into your PayPal account Hassle-Free. Check it out!

<span class=clixGalores Merchant & Affiliate Referral Commission Program" src="http://www.is1.clixgalore.com/cgd.aspx?BID=37137&AfID=161825&AdID=26" width=120 border=0>

Friday, February 8, 2008


Foreclosed-upon homes, even ones needing repair, can be a promising option for owner-occupant buyers Charles E. Findlay, owner, Loan Experts LLC As published in Scotsman Guide's Residential Edition, February 2008.
Investors have been in the market for rehabilitating properties for years now. New buyers have entered the rehab market of late, however, and they are not in it merely for fun or profit. These buyers are looking at foreclosed-upon homes, even ones that need fixing up, to move into themselves.

Read entire article.......

Thursday, February 7, 2008


In "Living Large," Drew Carey and reason.tv examine the plight of the American middle class. What do they find? Read more.....

Saturday, February 2, 2008

New Mortgage Product

It's strange how the Puppet Masters control the populace. Oh, excuse me...that's a topic on another Blog. Anyway, I have a new Mortgage Product that I would like to give you a little bit of Mortgage Information about. It made me think about one of the discussions in a recent class where the instructor informed us how the population is minipulated by the higher ups. He was quite the comic. He said that most of society is viewed like cattle. He had a favorite way of ending his sentences ... MOOOOO! Anyway this new product that I have is designed to promote home purchases in rural areas. Take a quick look at this overview. The link is a splash page that I send out to my realtor base. Here's a Special Temporary Link to Tim my "WannaNetwork Friend". All I ask to leave me a comment on the Blog tellin me you got it so that I can take it down. Don't want my Houston Competition to learn my secrets. Ha.....

Wednesday, January 23, 2008

Houston Traffic

Ya gotta luv it!

Yesterday I was on Loop 610 between Hwy 290 and I - 45N when all of a sudden it turned into a parking lot. I was sure there was a major accident ahead. Nope....., everyone was looking at workers installing a New Hospital sign off on the feeder (access), road. What's funny is after discovering that there was no blood and guts, drivers continued to proceed slowly as if they had been cheated out of some morbid spectacle. Another day in Houston. A must travel tool when visiting Houston is GPS. If renting, make sure to include in your rental.

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Wednesday, January 16, 2008


NEWS: 01/07/2008 Pay-Per-Play is due to officially launch on February 1st, 2008. Now is the time to tell everyone you know about the free PPP opportunity.
Read entire Article in Wall Street Journal

Saturday, January 5, 2008

I'd Rather Be Fishing!

I recently read an article entitled, "How we can avoid another crisis in mortgage lending". This article was written by Michael S. Barr, Sendhil Mullainathan and Eldar Shafir. Barr a law professor, Mullainathan an economics professor and Shafir a psychology professor. After reading this article one would conclude that the article is an exercise in psychology rather than a economic discourse. The writers concluded....to quote, "Eligible borrowers would be offered a standard mortgage (or set of mortgages), and that's the mortgage they would get - unless they choose to opt out in favor of another option, after honest and comprehensible disclosures from brokers or lenders about the risks of the alternative mortgages."
It's unbelievable how so many individuals are offered print space and air time to discuss subjects that they appear to know little about. First of all in my opinion, it's not a crisis but a business correction cycle which can be avoided no more than any other business cycle. One could only hope to lessen the negative affects. Seems to me that an economics professor would or should know that. When profit is present in a sector....fools rush in. This usually tends to drive down profits along with competence. Eventually that same sector will correct itself causing fools to rush out....lol
These writers must be in their early twenties, or is the article designed to dumb down the American Public? If you are older than 40 or studied a little history, I'm sure you know about the lending correction cycle of the mid to late 80's with it's high forclosures and noose bleeding interest rates. Yeoooowww! Then the scapegoat was Reaganomics. Today's scapegoat is the Mortgage Lenders and the Brokers. Who will be tomorrows scapegoat?
Secondly mortgage borrowers can't be stereotyped into one specific group. The mortgage borrower profile varies on a spectrum diverse as the homes themselves, with factors ranging from income, credit, locale, race, age, marital status, and sex.....just to name a few. The buying motivators themselves range from, "if my pet or cat likes it I'll buy it," to "if I can just somehow afford the payments for a short while I buy it". One must consider the motivation of the Mortgage Lender as well. They have different motivators for making monies available...........not always profit....supprise! During the lending haydays, my wife and I would often joke after closing a loan on some dubious buyer with comments like, "I guess the mob needed to show a loss."
Maslow's Law states that people will always aspire to obtain a place to dwell and call home. For this reason the Mortgage and Real Estate Industry will always be a vital, vibrant, intricate part of American Economics.

Wednesday, January 2, 2008


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Tuesday, January 1, 2008

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