Fannie: 'Recovery Is Here'; Inman News
11% growth in home sales forecast for 2010
The deepest and longest recession since the Great Depression appears to be over, Fannie Mae economists say, projecting sales of new and existing homes will jump 11 percent next year and that national home prices will stabilize, remaining essentially flat.
The mortgage guarantor's monthly housing forecast projects 5.96 million home sales in 2010, with sales of existing homes growing by 10 percent, to 5.46 million. New-home sales are expected to rebound even more sharply in 2010, growing by 24 percent to 498,000.
"It appears that the economic recovery is here," Fannie Mae economists Doug Duncan and Orawin Velz said in a report summarizing their economic and mortgage forecasts, although they expect it will be weak compared to previous recoveries from deep recessions.
Real gross domestic product (GDP) grew at a 3.5 percent annualized pace in the third quarter, following five declines in the prior six quarters, they noted, but growth is likely to moderate in the final three months of the year before strengthening in late 2010.
The first-time homebuyer tax credit helped boost third-quarter home sales, which also led to a jump in real estate brokerage commissions, Duncan and Velz said in their report.
A 23.3 increase in the annualized rate of residential investment (home sales) in the third quarter was the largest in more than two decades, although it came from "extremely depressed" levels, the report said. Real residential investment was contributing to economic growth again, adding 0.5 percentage points to third-quarter GDP growth.
But a survey of consumers in October showed the percentage of respondents indicating that "jobs are hard to get" hitting a new high for the downturn. In their economic forecast, Duncan and Velz said they expect the unemployment rate to average 10 percent next year, up from 9.3 percent this year and 4.6 percent in 2007.
Their housing forecast projects that housing starts will surge by 35 percent next year, from a recent historic low of 462,000 projected starts in 2009 to 624,000 next year.
Fannie Mae expects national home prices will stabilize next year, with the median resale home price remaining essentially unchanged at $170,800. That's a 0.2 percent decline from 2009 and a 22 percent decline from 2007.
The median price of a new home is expected to fall by nearly 2 percent from this year to next, to $208,400 -- a 16 percent decline from 2007.
Although new-home sales fell in September after five consecutive months of increases, the months' supply of new homes was unchanged at 7.5 months. New-home stocks have fallen steadily since May 2007, and are at the lowest levels since 1982, Duncan and Velz said in their analysis.
Other data indicate "a substantial excess supply of housing." The homeowner vacancy rate grew to 2.6 percent during the third quarter -- still below the 2.9 percent level reached at the end of 2008 but well above the long-term average of 1.7 percent.
At 11.1 percent, the third-quarter rental vacancy rate was the highest since record-keeping began in 1965. That has depressed rents, which along with stagnating wages relieves pressure on the consumer price index, and that should in turn allow the Federal Reserve to keep short-term interest rates on hold until late 2010, the Fannie Mae economists project.
Mortgage originations are expected to plummet 29 percent next year from 2009 levels, to $1.34 billion, as mortgage rates rise and this year's refinancing boom comes to an end.
Fannie Mae projects $1.3 billion in mortgages will be refinanced this year, accounting for two-thirds of mortgage originations by dollar volume. Only about half the volume in refinancings is expected next year, as many who are eligible to refinance will have already done so. Also, interest rates for 30-year fixed-rate conforming mortgages are expected to rise from an average 5.07 percent this year to 5.42 percent in 2010.
Rates on 30-year fixed-rate mortgages hit a record low of 4.78 percent in April, largely due to the Federal Reserve's purchases of up to $1.25 trillion in mortgage-backed securities in a temporary program that's scheduled to end in March 2010.
With purchase-loan volume expected to climb 13 percent in 2010, to $733 billion, refinancings will make up less than half of the total dollar volume of mortgage loans.
Applications for adjustable-rate mortgage (ARM) loans are expected to account for 8 percent of loan requests next year, up from 5 percent this year but significantly less than the 20 percent market share ARMs caputured in 2007, when the financial crisis began.
Saturday, November 21, 2009
Tuesday, November 17, 2009
VOTE TODAY!
TODAY IS THE RUN-OFF FOR OUR CITY ELECTIVES.
PLEASE VOTE! I'M NOT IN THE CITY...SO I'M COUNTING ON YOU!
PLEASE VOTE! I'M NOT IN THE CITY...SO I'M COUNTING ON YOU!
Saturday, November 14, 2009
SOUTH CAROLINA FALL 2009 HOUSING MARKET QUARTERLY REPORT
The Center for Real Estate in the Moore School of Business at the University of South
Carolina’s Moore School of Business is excited to introduce its newest publication:
South Carolina Housing Market Report.
This publication provides on-going objective economic analyses focused exclusively on the
home building and real estate industries in South Carolina.
The focus of this publication will be on current national- and state-level economic
conditions, how these conditions affect the housing industry both nationally and in South
Carolina, and what current and historical conditions imply about the outlook for the South
Carolina housing industry.
South Carolina Fall 2009
Housing Market Quarterly Report
Written by Joseph C. Von Nessen, Ph.D., // Division of Research, Moore School // Contact: Joey.VonNessen@moore.sc.edu
1.
South Carolina
Housing Market Quarterly Report
The recession is most likely over. Most economic indicators suggest
that we are now in a period of economic growth.
The banking industry is just beginning to absorb the losses from
defaulting commercial real estate loans, which will make future
loans of all kinds harder to acquire. Thus, despite the fact that the
residential real estate market is showing signs of recovery, the
recovery will be slow because of the increased difficulty for the
home-building industry to obtain loans.
The high U.S. and South Carolina unemployment rate is expected
to persist for the remainder of 2009 and into 2010. Nevertheless,
this is not an indication of a deteriorating overall economy. High
unemployment generally lingers through the initial stages of
economic recovery and is usually one of the last signs of recovery
from a recession.
Additional foreclosures and increased housing vacancy rates
are likely to accompany high unemployment. This will lead to
additional inventory and reduced housing prices at the national
level. South Carolina, however, has experienced house price
appreciation throughout 2009, an increase in permit activity, and
only small increases in foreclosure rates. These facts suggest not
only that South Carolina is a relatively stable housing market,
but also that much of the excess inventory has been eliminated.
In turn, South Carolina will be spared from some of the national
consequences of additional foreclosures.
FOR MORE ON THIS MARKET REPORT, PLEASE JUST E-MAIL ME.
Carolina’s Moore School of Business is excited to introduce its newest publication:
South Carolina Housing Market Report.
This publication provides on-going objective economic analyses focused exclusively on the
home building and real estate industries in South Carolina.
The focus of this publication will be on current national- and state-level economic
conditions, how these conditions affect the housing industry both nationally and in South
Carolina, and what current and historical conditions imply about the outlook for the South
Carolina housing industry.
South Carolina Fall 2009
Housing Market Quarterly Report
Written by Joseph C. Von Nessen, Ph.D., // Division of Research, Moore School // Contact: Joey.VonNessen@moore.sc.edu
1.
South Carolina
Housing Market Quarterly Report
The recession is most likely over. Most economic indicators suggest
that we are now in a period of economic growth.
The banking industry is just beginning to absorb the losses from
defaulting commercial real estate loans, which will make future
loans of all kinds harder to acquire. Thus, despite the fact that the
residential real estate market is showing signs of recovery, the
recovery will be slow because of the increased difficulty for the
home-building industry to obtain loans.
The high U.S. and South Carolina unemployment rate is expected
to persist for the remainder of 2009 and into 2010. Nevertheless,
this is not an indication of a deteriorating overall economy. High
unemployment generally lingers through the initial stages of
economic recovery and is usually one of the last signs of recovery
from a recession.
Additional foreclosures and increased housing vacancy rates
are likely to accompany high unemployment. This will lead to
additional inventory and reduced housing prices at the national
level. South Carolina, however, has experienced house price
appreciation throughout 2009, an increase in permit activity, and
only small increases in foreclosure rates. These facts suggest not
only that South Carolina is a relatively stable housing market,
but also that much of the excess inventory has been eliminated.
In turn, South Carolina will be spared from some of the national
consequences of additional foreclosures.
FOR MORE ON THIS MARKET REPORT, PLEASE JUST E-MAIL ME.
PENNY BOLING
PRESIDENT
Friday, November 13, 2009
MAKING HOMES AFFORDABLE
Highlights of the Homeowner Affordability and Stability Plan, or “Making Homes Affordable” program include:
• Refinancing mortgages.
• Creating a $75 billion homeowner stability initiative to help those who are struggling to afford their mortgage payments, but cannot sell their homes because home prices have fallen.
• Strengthening confidence in Fannie Mae and Freddie Mac.
To qualify, borrowers will have to provide their most recent tax return, two pay stubs, an “affidavit of financial hardship” and proof that the loan was made before Jan. 1, 2009, and that the single-family mortgage does not exceed $729,750. Borrowers can only have their loans modified one time.
The loan restructuring program, for which the government said up to 4 million borrowers are expected to qualify, will run through 2012.
The up to 5 million borrowers with mortgages held by the government-controlled mortgage finance entities Fannie Mae and Freddie Mac should be eligible to refinance through June 2010. Below are two link to these programs please share this information with your agents.
Home Saver by Fannie Mae
Hope Now supported by HUD
• Refinancing mortgages.
• Creating a $75 billion homeowner stability initiative to help those who are struggling to afford their mortgage payments, but cannot sell their homes because home prices have fallen.
• Strengthening confidence in Fannie Mae and Freddie Mac.
To qualify, borrowers will have to provide their most recent tax return, two pay stubs, an “affidavit of financial hardship” and proof that the loan was made before Jan. 1, 2009, and that the single-family mortgage does not exceed $729,750. Borrowers can only have their loans modified one time.
The loan restructuring program, for which the government said up to 4 million borrowers are expected to qualify, will run through 2012.
The up to 5 million borrowers with mortgages held by the government-controlled mortgage finance entities Fannie Mae and Freddie Mac should be eligible to refinance through June 2010. Below are two link to these programs please share this information with your agents.
Home Saver by Fannie Mae
Hope Now supported by HUD
Wednesday, November 11, 2009
RINGING THE BELL!
WOW.....We rang the bell 10 times yesterday! Yes, 10 sales recorded in one day! Recession? Not in our Company!
Friday, November 6, 2009
Questions & Answers regarding the Tax Credit
NAR Frequently Asked Questions
Homebuyer Tax Credit Changes
National Association of REALTORS® Government Affairs Division
500 New Jersey Avenue, NW, Washington DC, 20001
Here are some of the most frequently asked questions on the changes to the Homebuyer Tax Credit
Question: Existing homeowner credit: Must the new house cost more than the old house?
Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who
meet all eligibility requirements will qualify for the $6500 credit.
Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a
new home. I have lived in my current home for more than 5 consecutive years and
am within the new income limits. I will go to settlement on November 20. If
President Obama has signed the bill by the time I go to settlement, will I qualify for
the new $6500 tax credit?
Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment
(when the bill is signed). There is no reference to the date of contract for the new credit. The
provision looks solely to the date of purchase, which is generally the date of settlement.
Question: I am a firsttime
homebuyer but was not within the prior income limits at the time I
entered into my contract to purchase on October 30, 2009. I will be covered,
however, by the new income limits. If the new rules have been signed into law by the
time I go to settlement, will I be eligible for a credit?
Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill.
The income limit and other eligibility rules will look to your status as of the date of purchase,
which is the settlement date. So if the new rules have been signed when you go to settlement,
you should be eligible for the credit (or a portion of the credit if you're within the phaseout
range).
Question: I am an eligible existing homeowner. I have a fair amount of equity in my home. I
have found a home with a nonnegotiable
price of $825,000. Will I be able to use any
of the $6500 tax credit?
Answer: No. The $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount
above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an
absolute ceiling.
Question: I owned my home for 10 years, but sold it two years ago year and have been renting
since. If I purchase a home, will I be eligible for the $6500 tax credit if I meet all the
other eligibility tests?
Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you
will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000
and lived there until 2008 when he got a divorce. Whether John has been renting or bought in
the interim, he WOULD INDEED be eligible for the credit because he owned a home and
occupied it as his principal residence for 5 consecutive years out of the last 8 years. The
keyword here is "consecutive." As long as he lived in that house for 5 years straight what he
did since 3 years doesn't impact eligibility.
Question: I am an eligible firsttime
homebuyer. I entered into a contract to purchase on
November 1, 2009. Do I have to go to closing before December 1? How does the
extension date affect me?
Answer: You do not have to close before December 1. Once the legislation has been signed, it will be as
if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30
(or July 1, worst case), the purchaser will be eligible for the credit.
Homebuyer Tax Credit Changes
National Association of REALTORS® Government Affairs Division
500 New Jersey Avenue, NW, Washington DC, 20001
Here are some of the most frequently asked questions on the changes to the Homebuyer Tax Credit
Question: Existing homeowner credit: Must the new house cost more than the old house?
Answer: No. Thus, for example, individuals who move from a high cost area to a lower cost area who
meet all eligibility requirements will qualify for the $6500 credit.
Question: I am an existing homeowner. On October 25, 2009, I signed a contract to purchase a
new home. I have lived in my current home for more than 5 consecutive years and
am within the new income limits. I will go to settlement on November 20. If
President Obama has signed the bill by the time I go to settlement, will I qualify for
the new $6500 tax credit?
Answer: Yes. The existing homeowner credit goes into effect for purchases after the date of enactment
(when the bill is signed). There is no reference to the date of contract for the new credit. The
provision looks solely to the date of purchase, which is generally the date of settlement.
Question: I am a firsttime
homebuyer but was not within the prior income limits at the time I
entered into my contract to purchase on October 30, 2009. I will be covered,
however, by the new income limits. If the new rules have been signed into law by the
time I go to settlement, will I be eligible for a credit?
Answer: Yes. The new income limitations go into effect as soon as the President has signed the bill.
The income limit and other eligibility rules will look to your status as of the date of purchase,
which is the settlement date. So if the new rules have been signed when you go to settlement,
you should be eligible for the credit (or a portion of the credit if you're within the phaseout
range).
Question: I am an eligible existing homeowner. I have a fair amount of equity in my home. I
have found a home with a nonnegotiable
price of $825,000. Will I be able to use any
of the $6500 tax credit?
Answer: No. The $800,000 cap on the cost of the purchased home is firm at $800,000. Any amount
above $800,000 makes the home ineligible for any portion of the credit. The $800,000 is an
absolute ceiling.
Question: I owned my home for 10 years, but sold it two years ago year and have been renting
since. If I purchase a home, will I be eligible for the $6500 tax credit if I meet all the
other eligibility tests?
Answer: Yes. Because you lived in the home for more than 5 consecutive years of the previous 8, you
will qualify for the $6500 credit. For example, Say John and his wife bought a home in 2000
and lived there until 2008 when he got a divorce. Whether John has been renting or bought in
the interim, he WOULD INDEED be eligible for the credit because he owned a home and
occupied it as his principal residence for 5 consecutive years out of the last 8 years. The
keyword here is "consecutive." As long as he lived in that house for 5 years straight what he
did since 3 years doesn't impact eligibility.
Question: I am an eligible firsttime
homebuyer. I entered into a contract to purchase on
November 1, 2009. Do I have to go to closing before December 1? How does the
extension date affect me?
Answer: You do not have to close before December 1. Once the legislation has been signed, it will be as
if the Nov 30 date had never existed. Therefore, so long as the contract settles before April 30
(or July 1, worst case), the purchaser will be eligible for the credit.
Wednesday, November 4, 2009
The single best predictor of overall excellence is a company's ability to attract, motivate, and retain talented people. ~Fortune magazine
I had to post the Walk the Talk Inspiration for today. It just says what we are here at Century 21 Boling.
With 70 sales for October, we've got it together. An awesome team of Associates and Staff.
Monday, October 26, 2009
Thursday, October 22, 2009
YMCA
Have you seen the new YMCA in Myrtle Beach? It's awesome! We have a wonderful community that has come together to provide such a facility as this!
The Grand Opening ceremony is October 29 @ 5:00.
The Grand Opening ceremony is October 29 @ 5:00.
Monday, October 19, 2009
Friday, August 14, 2009
RECESSION OVER!
Report: Economists say recession over
Is the recession over? Economists polled by the Wall Street Journal say yes, and they suggest that's a big reason why Federal Reserve Chairman Ben Bernanke should stay. Economists date the start of the recession to December 2007 and a majority agrees that the recession is coming to an end. Productivity is a key ingredient for rising living standards because it means that companies can pay their workers more with the wage increases financed by rising output. However, in the current recession, companies have been using the productivity gains to bolster their bottom lines in the face of declining sales. Many companies have been reporting second-quarter earnings results that have beaten expectations despite falling sales, due largely to their aggressive cost cutting. Many economists believe the current recession is on the verge of ending. If the economy starts to grow in the second half of this year, companies are expected to switch from layoffs and trimming workers' hours to boosting employment as demand for their products increases. Sources: CNNNews.com, Associated Press, The Wall Street Journal
Is the recession over? Economists polled by the Wall Street Journal say yes, and they suggest that's a big reason why Federal Reserve Chairman Ben Bernanke should stay. Economists date the start of the recession to December 2007 and a majority agrees that the recession is coming to an end. Productivity is a key ingredient for rising living standards because it means that companies can pay their workers more with the wage increases financed by rising output. However, in the current recession, companies have been using the productivity gains to bolster their bottom lines in the face of declining sales. Many companies have been reporting second-quarter earnings results that have beaten expectations despite falling sales, due largely to their aggressive cost cutting. Many economists believe the current recession is on the verge of ending. If the economy starts to grow in the second half of this year, companies are expected to switch from layoffs and trimming workers' hours to boosting employment as demand for their products increases. Sources: CNNNews.com, Associated Press, The Wall Street Journal
Friday, July 24, 2009
Friday, July 3, 2009
Friday, June 26, 2009
Family of the YMCA,
Help us to provide more opportunities for youth to participate at the YMCA. Go to www.nikebackyourblock.com, click on 2009 applicants and vote for the Grand Strand Family YMCA. Your votes will help us to receive a grant to help provide scholarships for families unable to pay. We need everyone’s help in this effort. Thank you as always for your support!! Have a great summer.
YMCA Misson: to put Christian principles into practice though programs that build healthy spirit, mind, and body for all.
THANKS FOR TAKING THE TIME TO VOTE!!
Help us to provide more opportunities for youth to participate at the YMCA. Go to www.nikebackyourblock.com, click on 2009 applicants and vote for the Grand Strand Family YMCA. Your votes will help us to receive a grant to help provide scholarships for families unable to pay. We need everyone’s help in this effort. Thank you as always for your support!! Have a great summer.
YMCA Misson: to put Christian principles into practice though programs that build healthy spirit, mind, and body for all.
THANKS FOR TAKING THE TIME TO VOTE!!
Monday, June 22, 2009
TAX CREDIT MAY EXPAND....READ BELOW....
Tax Credit for Home Purchase Could Rise
USA Today, By Stephanie Armour
June 22, 2009
Lawmakers and businesses are calling for expansion of a tax credit for first-time home buyers that has helped spark home sales in an otherwise dismal real estate market.
With the tax credit scheduled to expire in fall, some business groups say the amount of the credit, now capped at $8,000, should be raised to $15,000 and applied to anyone who buys a home.
First-time buyers make up a hefty 40% of home purchases, according to the National Association of Realtors (NAR), which is about 5 percentage points higher than the historical average.
The credit, introduced in July 2008, was expanded in February as part of the economic stimulus package. The proposals may face headwinds amid growing public criticism of government spending to rescue the economy and the widening budget deficit.
Some economists say a tax benefit is vital to spur home buying and help stabilize prices.
"I'm fairly confident that (Congress) will extend the tax credit, because it is so important that housing come back," says Bernard Baumohl, an economist at the Economic Outlook Group. "But raising the tax credit will be difficult because it reduces taxes even more."
The White House had no immediate comment Sunday.
Current proposals:
•A Senate bill to expand the tax credit to $15,000 for any home buyer regardless of income was introduced this month by Sen. Johnny Isakson, R-Ga. It is co-sponsored by Senate Banking Committee Chairman Chris Dodd, D-Conn.
"It would go a long way toward inducing trade-up buyers into the market," says Lawrence Yun, chief economist at the NAR.
•A House bill to keep the $8,000 credit in place until June 2010 and expand it to all home buyers was introduced last month by Rep. Kenny Marchant, R-Texas. It also would provide a $3,000 credit to homeowners who refinance.
•Another bill in the House, introduced by Rep. Eddie Bernice Johnson, D-Texas, would extend the credit to all home buyers through 2010.
The Business Roundtable, a consortium of CEOs from large companies, urged Congress this month to expand the tax credit to $15,000 and make all home buyers eligible.
"The issue is how do we stimulate the move-up market, and that's essential for the economy," says Richard Smith, CEO of Realogy, the parent company of Century 21, Coldwell Banker, Sotheby's International Realty and ERA.
"I think it's going to be a bipartisan effort," Smith says. "The issue is how to pay for it."
The current tax credit does not apply to singles earning more than $95,000 a year and couples who earn more than $170,000. Some business leaders want the income caps eliminated.
Buyers do not have to repay the tax credit if they occupy the home for three years or more.
"A lot of people are taking advantage of it," says David Thomas, a Realtor in Washington, D.C., who adds that expanding the credit would boost the market. "That would be a fantastic idea, to enhance and expand the incentives."
USA Today, By Stephanie Armour
June 22, 2009
Lawmakers and businesses are calling for expansion of a tax credit for first-time home buyers that has helped spark home sales in an otherwise dismal real estate market.
With the tax credit scheduled to expire in fall, some business groups say the amount of the credit, now capped at $8,000, should be raised to $15,000 and applied to anyone who buys a home.
First-time buyers make up a hefty 40% of home purchases, according to the National Association of Realtors (NAR), which is about 5 percentage points higher than the historical average.
The credit, introduced in July 2008, was expanded in February as part of the economic stimulus package. The proposals may face headwinds amid growing public criticism of government spending to rescue the economy and the widening budget deficit.
Some economists say a tax benefit is vital to spur home buying and help stabilize prices.
"I'm fairly confident that (Congress) will extend the tax credit, because it is so important that housing come back," says Bernard Baumohl, an economist at the Economic Outlook Group. "But raising the tax credit will be difficult because it reduces taxes even more."
The White House had no immediate comment Sunday.
Current proposals:
•A Senate bill to expand the tax credit to $15,000 for any home buyer regardless of income was introduced this month by Sen. Johnny Isakson, R-Ga. It is co-sponsored by Senate Banking Committee Chairman Chris Dodd, D-Conn.
"It would go a long way toward inducing trade-up buyers into the market," says Lawrence Yun, chief economist at the NAR.
•A House bill to keep the $8,000 credit in place until June 2010 and expand it to all home buyers was introduced last month by Rep. Kenny Marchant, R-Texas. It also would provide a $3,000 credit to homeowners who refinance.
•Another bill in the House, introduced by Rep. Eddie Bernice Johnson, D-Texas, would extend the credit to all home buyers through 2010.
The Business Roundtable, a consortium of CEOs from large companies, urged Congress this month to expand the tax credit to $15,000 and make all home buyers eligible.
"The issue is how do we stimulate the move-up market, and that's essential for the economy," says Richard Smith, CEO of Realogy, the parent company of Century 21, Coldwell Banker, Sotheby's International Realty and ERA.
"I think it's going to be a bipartisan effort," Smith says. "The issue is how to pay for it."
The current tax credit does not apply to singles earning more than $95,000 a year and couples who earn more than $170,000. Some business leaders want the income caps eliminated.
Buyers do not have to repay the tax credit if they occupy the home for three years or more.
"A lot of people are taking advantage of it," says David Thomas, a Realtor in Washington, D.C., who adds that expanding the credit would boost the market. "That would be a fantastic idea, to enhance and expand the incentives."
MONDAY MORNING MOJO .....ENJOY!
Good Morning MOJO,
The key to getting what we want in life is making the choice. The most common difference between those who get what they want and those who don’t are simply the choices they make everyday. Typically it’s not their circumstances…it’s not the way they where raised, or their education. Most people who are not accomplishing their goals in life are totally capable to if they where committed to them, but they have chosen not to…they just aren’t willing to do what is necessary to have a life that good. Think about your life for a moment...what do you want and what does it take to get it? Be very specific on what it takes to get it.
So, why haven’t you been doing what it takes to get what you want…really? Before you start with all of the excuses, ask yourself…if you really had to do it, could you? Let me make it a little clearer how this is a choice. I don’t even like to think these thoughts, but this will help you understand that you can do it if you want it bad enough. If the person or person’s you care about the most lives depended upon it, could you do it…if you doing those specific things necessary was a matter of life or death, could you? We both know the answer…of course you could and would do whatever it takes to make it happen to save the ones you love. Life is a series of choices…the Y’s in the road of life. In most cases if you take the easy path…the one most people take, you will experience short term gain and long term pain. On the other hand if you have the courage to take the other path…the one most will not take, you may have some short term pain, but long term gain. So, make the right choice.
Make it a GREAT week and make the right choices!!!!!
"The actions you take in the first hour of your day will determine your fate for the rest of it"
Tom TognoliCOO, Founder
Intero Real Estate Services
The key to getting what we want in life is making the choice. The most common difference between those who get what they want and those who don’t are simply the choices they make everyday. Typically it’s not their circumstances…it’s not the way they where raised, or their education. Most people who are not accomplishing their goals in life are totally capable to if they where committed to them, but they have chosen not to…they just aren’t willing to do what is necessary to have a life that good. Think about your life for a moment...what do you want and what does it take to get it? Be very specific on what it takes to get it.
So, why haven’t you been doing what it takes to get what you want…really? Before you start with all of the excuses, ask yourself…if you really had to do it, could you? Let me make it a little clearer how this is a choice. I don’t even like to think these thoughts, but this will help you understand that you can do it if you want it bad enough. If the person or person’s you care about the most lives depended upon it, could you do it…if you doing those specific things necessary was a matter of life or death, could you? We both know the answer…of course you could and would do whatever it takes to make it happen to save the ones you love. Life is a series of choices…the Y’s in the road of life. In most cases if you take the easy path…the one most people take, you will experience short term gain and long term pain. On the other hand if you have the courage to take the other path…the one most will not take, you may have some short term pain, but long term gain. So, make the right choice.
Make it a GREAT week and make the right choices!!!!!
"The actions you take in the first hour of your day will determine your fate for the rest of it"
Tom TognoliCOO, Founder
Intero Real Estate Services
Monday, June 15, 2009
MONDAY MORNING MOJO for the week! ENJOY!
Good Morning MOJO,
Every time you see them you try and avoid them like the plague because they are just so negative and draining. To them everything is a crisis…everyone and everything is out to get them. Nothing works and everything that is not going right in their world is someone else’s fault…never theirs. They never smile and they always seem to find the negative in everything and everybody…never the positive. Anytime there is a small setback, it is like the world is coming to an end. They treat life like it is a WIN/LOSE game…and trust me, there is no such thing. Whenever someone wins and someone loses, both lose. Does this type of person sound familiar…do you know people like this? I sure do.
Then there are those people you love being around because for what ever reason they just have this positive energy about them which makes you feel good. They are always fired up, have a smile on their face and having a good time. When there are small set backs, they seem to find the positive side or don’t even acknowledge it…they just keep moving forward as if it is an expected part of the process. They are the ones who keep their emotions under control…they don’t yell, they don’t scream, they don’t attack, they don’t fight and they don’t blame. Now don’t get me wrong, they are passionate and fired up. They just don’t fight it…they seem to always find a way to use the flow to their advantage. They aren’t pushing…they seem to be getting pulled through life. They are WIN/WIN people…always looking for ways that they can WIN, but so can everyone else.
The interesting thing about these two different types of people is that the positive ones almost always seem to win in all the equities of their life…Personally, Professionally, Business, Health…you name it. They actually say people who smile and laugh a lot…the positive ones live longer and are much healthier and happier. The negative ones always seem to look unhealthy and anxious…they seem to struggle in business and in their relationships…they look run down.
So, my question to you is which one are you? Be honest. Is your energy good energy or bad energy? Fired up energy or draining energy? If you asked those around you to describe your energy, what would they say? Fired up and infectious or exhausting and draining. Are you positive or negative? Do you fight life or do you use those people and things around you to propel you to success.
It is a choice…another one of those small choices I write about every Monday morning. It is the cumulative affect of all those small choices that will get you are looking for in life.
Make it a GREAT week!!!!
"The actions you take in the first hour of your day will determine your fate for the rest of it"
Tom TognoliCOO, Founder
Intero Real Estate Services
Every time you see them you try and avoid them like the plague because they are just so negative and draining. To them everything is a crisis…everyone and everything is out to get them. Nothing works and everything that is not going right in their world is someone else’s fault…never theirs. They never smile and they always seem to find the negative in everything and everybody…never the positive. Anytime there is a small setback, it is like the world is coming to an end. They treat life like it is a WIN/LOSE game…and trust me, there is no such thing. Whenever someone wins and someone loses, both lose. Does this type of person sound familiar…do you know people like this? I sure do.
Then there are those people you love being around because for what ever reason they just have this positive energy about them which makes you feel good. They are always fired up, have a smile on their face and having a good time. When there are small set backs, they seem to find the positive side or don’t even acknowledge it…they just keep moving forward as if it is an expected part of the process. They are the ones who keep their emotions under control…they don’t yell, they don’t scream, they don’t attack, they don’t fight and they don’t blame. Now don’t get me wrong, they are passionate and fired up. They just don’t fight it…they seem to always find a way to use the flow to their advantage. They aren’t pushing…they seem to be getting pulled through life. They are WIN/WIN people…always looking for ways that they can WIN, but so can everyone else.
The interesting thing about these two different types of people is that the positive ones almost always seem to win in all the equities of their life…Personally, Professionally, Business, Health…you name it. They actually say people who smile and laugh a lot…the positive ones live longer and are much healthier and happier. The negative ones always seem to look unhealthy and anxious…they seem to struggle in business and in their relationships…they look run down.
So, my question to you is which one are you? Be honest. Is your energy good energy or bad energy? Fired up energy or draining energy? If you asked those around you to describe your energy, what would they say? Fired up and infectious or exhausting and draining. Are you positive or negative? Do you fight life or do you use those people and things around you to propel you to success.
It is a choice…another one of those small choices I write about every Monday morning. It is the cumulative affect of all those small choices that will get you are looking for in life.
Make it a GREAT week!!!!
"The actions you take in the first hour of your day will determine your fate for the rest of it"
Tom TognoliCOO, Founder
Intero Real Estate Services
Friday, June 12, 2009
Friday, June 5, 2009
Wednesday, June 3, 2009
How to Sell Your Home....from a childs point of view
http://sharing.theflip.com/session/d88a8df5d44a5baf414ea18a0e2e9c10/video/4366617
Monday, June 1, 2009
North Beach Plantation
North Beach Plantation approved for Fannie Mae financing! More to come.......YEAH
Saturday, May 23, 2009
Memorial Day Weekend
All of us here at Century 21 Boling & Associates wish you all a Safe and Happy Holiday Weekend!
Wednesday, May 20, 2009
Social Networking
It's so exciting being able to connect the dots! My generation!! My associates and I are attending a Social Networking class sponsored by LHWH introducing us to all the possiblities of the media craze of the internet!
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