Real Estate Information

"Leaders are like eagles. They don't flock - you find them one at a time." 

BE FREE!

In Stephen Covey's "Seven Habits," he talks about focusing on the important to the exclusion of the unimportant. In his own words, "The main thing is to keep the main thing the main thing."

See if you recognize which motivational trainer espoused this similar philosophy:

"There are things within your power, and there are things beyond your power. Within your power are opinion, aim, desire, aversion; in a word, whatever affairs are your own. Beyond your power are body, property, reputation, office; in a word, affairs not properly your own. Concern yourself only with what is within your power.

The essence of good consists of things within your own power; with them there is no room for envy or emulation. For your part, do not desire to be a general, or a senator, or a consul, but to be free; and the only way to do this is a disregard of things which do not lie within your own power."

If you guessed Zig Ziglar, Howard Brinton, or Anthony Robbins, guess again. Its author referred to it as a "field manual for soldiers." It was carried by Frederick the Great on all his campaigns. It was written by the Stoic philosopher Epictetus.

Stephen Covey conveys a similar message when he suggests drawing two concentric circles with a dot in the middle. He equates the dot in the middle to you, the first circle as your area of influence, and the outside circle as your area of concern. He suggests that you concentrate only on the circle of influence, things which you have the power to influence or change. He advises that you disregard those in the area of concern over which you have no influence or power.

Rob Zwemmer of Keller Williams Realty presents: 

The Palm Springs Real Estate Podcast

August 2010: 

This month's edition covers Palm Springs Real Estate market activity and then we'll discuss how to avoid surprises as mortgage underwriters are refreshing credit scores prior to closing. 

Features special guest Terri Murphy of US Learning.  

INSPIRATION FOR TODAY:

GIVE YOURSELF A LIFT!

Have you ever aspired to be deeply depressed? On your list of major life's achievements, have you included becoming an itinerant ne'er-do-well? Does your daily task list include hanging out at the local pub, gossiping over the back fence with nosy neighbors, or spending time with a loser who does nothing but grouse about how the world has dealt him a lousy hand?

Did that first paragraph seem to pull you down? Did you say, "Ridiculous! Who would want to do those things?" If so, congratulations, you've already received this week's message.

Now, let's give this message a lift.

Have you ever met someone with a bright inspiring spirit about them, and thought to yourself, "Wow, I'd like to know them better!" Have you noticed that when you attend a community education course, you leave with many fresh new ideas and a powerful boost in your attitude? A well-known quote says, "You are what you think about all day long." If you hang out with the losers, your thoughts are likely to be dark and depressing. Spend time with those who possess magic in their attitude and enthusiastic vitality in their work ethic, and your thoughts are likely to soar.

Take a close look at your list of goals for this year. Have you included the addition of positive new personal relationships in your work and play environment? Remember that "to have a friend, you must first be a friend." Consider expanding your sphere of contacts to include those who would inspire you to greatness!

INSPIRATION FOR TODAY:

WANT TO ACCOMPLISH SOMETHING REALLY GREAT?

Ever dream of becoming a U.S. Senator? Want to become an anonymous benefactor of youth programs in your community? Want to rise to the top 1% of your profession? Inspirational artist D. Morgan puts it this way: "The impossible dream . . . isn't!"

So - how do dreams become reality? Once your dream becomes your passion, you can begin building the foundation that will support the eventual structure of your dream. Begin by reading and studying how others have achieved similar dreams.

For politicians-to-be, there are plenty of biographies that reveal the long road to election. For those who aspire to achieve peak earnings, mentors are plentiful. Hang out with, attend courses with, and "shadow" the real stars in your chosen field. Ask how they began their rise, how they blend their work and family, how they attract and retain clients and customers.

In most cases, you will find that the models you choose have also made hard choices. They have first adopted certain principles upon which their decisions are made. Their actions are congruent with those principles. They are not duplicitous in their dealings with others. Their "word is their bond." Their foundational character sets the tone for the structure of their dreams.

Finally, with the foundation in place - they just build. They create plans, they implement strategies to achieve those plans. They understand that their final success does not occur in one fell swoop. It is the result of many footsteps in the direction of their dreams.

So . . . go ahead and dream! Remember - destiny is not a matter of chance . . . it's a matter of choice!

How a short sale works ?

PLAY BALL!

With the start of the major league baseball season, a simple success formula recently heard comes to mind. It uses baseball words, but contains plenty of success wisdom.

Which do you think is more important, a home run or a single base hit? Most of us would choose a home run - even a "grand slam" home run. Most of us were also brought up to believe that someday our "ship would come in" - that all of our success or wealth or whatever would arrive at once, in one grand port call.

Funny thing is - more ball games are won with base hits than with home runs. Most ships arrive slowly in port - guided by tiny tugboats - and only after having navigated the wide oceans through a series of thousands of minor navigational corrections.

Yes! Big wins and successful journeys occur most often as the result of daily decisions - not life-altering, once-a-year, mega-decisions. Want to lose weight? It won't happen because you vow on January 1 to do it. It will be the result of your daily decision to walk, run, or work out. Want excellent health? Your daily, even moment-by-moment, decisions to ingest only healthy foods and avoid junk are the ones that will win the day.

The same holds true for your success in business. While a master plan at the beginning of the year is important, it's really the steps taken each day that produce the results. As you face each of the very small daily decisions, be careful to make only the right choices. By day's end they'll add up to valuable progress both on and off the field.

Palm Springs California Real Estate, Podcast

INSPIRATION FOR TODAY:

THE SKY IS FALLING . . . NOT!

"The glass is half-full." "The glass is half-empty." "Looks like a beautiful day!" "I think it's going to rain." "I'm happy." "I'm depressed." "I'm an optimist!" "How can you be an optimist with things the way they are?"

OK, we all know the difference between an optimist and a pessimist - right? In some of Steven Covey's material, he states that "no one knows enough to be a pessimist." Pessimism, more often than not, is generated by inner fears, most likely fears "of the unknown." Hence, "No one knows enough to be a pessimist."

Consider the child about to learn the art of riding a bike. "I know I'm going to fall," proclaims the child - just before taking a skinned knee. After a week of practice, is the child still fearful? Once bike riding becomes second nature, i.e. once the child "knows" enough about bike riding, the fear (a.k.a. pessimism) disappears.

Just as the child's pessimism ("I'm going to fall...") precedes the skinned knee, our other pessimistic thoughts may precede our worst fears. By substituting a positive thought for a negative one, therefore, is it not possible that the action that follows might also be positive?

Add to that positive thought an extra measure of learning and knowledge, and it's highly unlikely there will continue to be room for either the pessimism or the subsequent negative action. From one optimist to another, heed this advice: "Don't worry - be happy!"

INSPIRATION FOR TODAY:

THE SKY IS FALLING . . . NOT!

"The glass is half-full." "The glass is half-empty." "Looks like a beautiful day!" "I think it's going to rain." "I'm happy." "I'm depressed." "I'm an optimist!" "How can you be an optimist with things the way they are?"

OK, we all know the difference between an optimist and a pessimist - right? In some of Steven Covey's material, he states that "no one knows enough to be a pessimist." Pessimism, more often than not, is generated by inner fears, most likely fears "of the unknown." Hence, "No one knows enough to be a pessimist."

Consider the child about to learn the art of riding a bike. "I know I'm going to fall," proclaims the child - just before taking a skinned knee. After a week of practice, is the child still fearful? Once bike riding becomes second nature, i.e. once the child "knows" enough about bike riding, the fear (a.k.a. pessimism) disappears.

Just as the child's pessimism ("I'm going to fall...") precedes the skinned knee, our other pessimistic thoughts may precede our worst fears. By substituting a positive thought for a negative one, therefore, is it not possible that the action that follows might also be positive?

Add to that positive thought an extra measure of learning and knowledge, and it's highly unlikely there will continue to be room for either the pessimism or the subsequent negative action. From one optimist to another, heed this advice: "Don't worry - be happy!"

How Can I Fix My Credit?
How you can fix recession-damaged credit
One way to reach out to clients who may have found themselves in credit trouble during the recession is to provide some friendly advice regarding sound credit practices. The following article may be something you find helpful to share with those who are interested in reclaiming their good credit:
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The recession may have damaged your credit, even if you thought you were doing everything right. According to Kimberley Lankford, author of "Rescue Your Financial Life" (McGraw-Hill) and "The Insurance Maze" (Kaplan), in a March 6, 2010 piece for WashingtonPost.com, "credit card companies have been lowering credit limits and closing accounts in an attempt to minimize their risk -- 13 percent of people surveyed in January 2010 by Credit.com said their card company had lowered their credit limit over the past few months, and 11 percent said a card company closed their account."

But regardless of what might have happened to you, you can improve your credit rating by doing a few simple things:

- Check your credit reports from all three credit bureaus, Equifax, Experian and TransUnion. You can get free credit reports from all three bureaus every 12 months at http://www.annualcreditreport.com, and it's worth getting all three reports because each can vary.

- Avoid "free" credit reports and scores that ask you to sign up for a pricey credit-monitoring program.

- Start paying down credit card balances. "It's the fastest way to improve your score," said FICO spokesman Craig Watts. The lower your balances, the better for your score.

- Pay your bills on time. This is the most important factor in your credit score. Late payments remain on your credit report for up to seven years, but have a smaller impact on your score as time passes

- Don't close accounts before applying for a loan. Closing credit card accounts can never help your score, Watts said.

- Avoid opening new cards in the months before taking out a mortgage.

- Pay off old fines. Parking tickets, library fines, late bills, can all hurt a score by as much as 100 points if the account ends up going to collection.