Phoenix HOT Real Estate Blog !

 I have to admit I have seen my share of destroyed homes in the past 3 years ( I do BPO's for a few major companies)  but this one was just so over the top I had to write a blog about it. I will call it home of the month !  It was so much destruction I can not even put it in words: paint splashed on the on the tile  floor , drywall smashed in every room. interior doors all broken,  french door outside were broken; to electric wires cut in side the wall at the outlets smashed in, toilets smashed ...  the whole interior needs to be redone.

I have a client that is looking in a particular area so when this listing came up she emailed to let me know it looks like a possibility.  MLS had only 2 to 3 photos of the damage but it was not enough in the description to get a clear picture of the damage. 

I was speechless upon previewing this listing.... this home was destroyed with passion as to say " If I can't have you no one else can. " I noticed from previous listings that the former owner was a licensed REALTOR.

I wandered what happened here? did the bank not want to work with the owner on a loan modification? It was so sad ...

Anyway this listing was priced below comps but not low enough for all the work that needs to be done in my opinion.

At this point I think the bank should be fixing it and selling because it will cause the values to go down in the neighborhood. Someone will use this as a comp not knowing that it was fully destroyed inside. Either that or the listing agent needs to put in a full description of what is going on in there so then when is sold it will not be used a a comp as this is a good neighborhood with excellent schools and not typical for homes to have this kind of damage.

This home has a good fix and flip potential for the right price !

ANYONE INTERESTED TO BUY PLEASE CONTACT ME.

I just finally have had confirmed by out legal counsel that this practice is illegal:

Lenders in Second Position will try to get you to cooperate in that but is it worth the risk ? !

I think we should all start reporting the second lenders that try to pressure us and out clients. Then maybe they will stop. I want to hear your stories. How do you deal with those lenders ?

This is information is from A.A.R. and passed along courtesy of ATSAAZ

See Below:

Undisclosed payments in short sale transactions, especially those paid outside of escrow, may violate the law, including RESPA, laws against loan fraud, and licensing laws. Short sale agents have increasingly reported to C.A.R. about requests for agents and their clients to pay junior lien holders and others, oftentimes outside of escrow.

One common scenario is when a short sale seller's senior lender authorizes a payment of $3,000, for example, to extinguish a junior lien, but the junior lender demands that the buyer pays an additional $9,000 outside of escrow. Not only would it be risky for a buyer to pay outside of escrow, but concealing this additional payment from a federally-insured senior lender may constitute loan fraud, which is a crime punishable by 30 years imprisonment plus a $1 million fine (18 U.S.C. section 1014). Furthermore, omitting from the HUD-1 Statement any charges paid at settlement by either a buyer or seller may violate the Real Estate Settlement Procedures Act (RESPA) (Appendix A to 24 C.F.R. Part 3500). Depending on the specific circumstances, carrying out these payment requests may also violate other laws and regulations, and an agent's participation in the scheme may be subject to license revocation by the Department of Real Estate or other disciplinary action.

Agents and their clients are encouraged to file any complaints regarding fraudulent activities to the proper authorities, including the following agencies:

*Arizona Attorney General's Office
Maricopa Co. 602-542-5025 | Pima Co. 520-628-6504 | Other Areas 800-352-8431 http://www.azag.gov/consumer/MailInInstructionsEng.html

Department of Housing and Urban Development (HUD)
HUD Office of Inspector General Hotline (GFI)
800-347-3735 http://www.hud.gov/offices/oig/hotline Federal Bureau of Investigation (FBI)
202-324-3000
https://tips.fbi.gov  

This information is sent to you as a courtesy of ATSA. It was originally reprinted by AAR with permission from CAR. (* The California Attorney General's contact information was replaced with Arizona's.) It was originally published in CAR's Realegal email on March 16, 2010. All rights reserved.

 I read this article today and wanted to bring to every one's attention.

Inform your clients or better yet tell them to ask their accountant or tax attorney  about the posibily of tax implications.

Below is a copy of the article from Realtor Magazine.

People who cashed out refinances, or had part of their mortgage debt forgiven when they sold their homes through short sales, will probably owe the IRS a big payback.

In 2007, Congress passed the Mortgage Forgiveness Debt Act, but that doesn't let everyone off the hook.

Here are exceptions to the rule:

· Anyone who did a cash-out refinance and spent the money on something not housing related, then got in trouble and lost their home to a foreclosure or short sale, will owe the IRS as if the money from the refinance were earned income.

· The IRS will forgive tax liability only on money from home-equity loans that was spent to improve the property.

· Anyone who lost a vacation home or investment property to foreclosure or short sale will owe Uncle Sam.

· Multi-million dollar homes - lost or sold - are always subject to tax.

Source: CNNMoney.com, Les Christie (04/08/2010)

This was such good information I had to re post!  Now I know why.  I thought I was loosing my mind here ! I have  had a deal fall apart and bank rejecting the funds after it was approved. I keep wondering why ? Now, I know.

Smashing on Starbucks tonight !  this blog has nothing to do with selling homes but I wanted to get this out there because I know a lot of you care and this needs your support.

Can any one tell me why a company of Starbucks magnitude would not have a Recycling Program?

I AM NOT TALKING ABOUT THEIR LEFT OVER COFFEF  BUT ALL THE PLASTIC AND PAPER CUPS WE USE , MILK CONTAINERS. ETC.... WE HAVE A RESIDENTIAL RECYCLING THAT WE PAY FOR; HOW COME THEY DON'T AS BIG OF A COMPANY AS IT IS ?

IS IT THAT COMPLICATED TO IMPLEMENT ONE? WE ARE TROWING AWAY PLASTIC CUPS THAT WILL LAST 100 YEARS OR MORE ON LANDFILLS.

• I FOR ONE WILL NOT GO TO  STARBUCKS UNTIL THEY HAVE ONE.

• I FELT GUILTY JUST TROWING AWAY THE CUP AFTER I HAD A FRAPUCINO ; I LOOKED AT ALL THE PEOPLE AROUND ME DOING THE SAME AS MOST WERE ENJOYING THEIR BEVERAGE ON THE PATIO OUTDOORS AND DISPOSING OF THE CUPS IN THE TRASH.

Plastic will last 100 years on a landfill. I think we need more regulations ABOUT RECYCLING how about all business will have to recycle in 2009.

Please write back your toughts and I will send this to the company.

 SURE IT IS NOT PERFERCT, BUT PERFECT FOR ME.  this is how it went the asset manager that usually sends bpos called and said SHE has an REO to assign and IF i want the home.... I said YES of course I do,

 I am still working on all the details with the bank and is now on the pre marketing stage ( turn on utilities in my name ) get pool contractors to clean and maintain the pool and then sell it baby!

ALL IN ALL IS A GOOD HOME; INTERIOR HAS MANY UPGRADES, BATHROOMS HAVE BEEN COMPLETELY REMODLEDED, POOL FILTER IT NEWER , AC UNIT IS ONLY 5 YEARS OLD , MOST OF THE WORK THAT STILL NEEDS TO BE DONE IS COSMETING AND REDECORATING FOR BUYER'S TASTE

 THE PRICE RANGE SHOULD FIT IN MOST first time BUYER'S BUDGET AND IS CENTRALLY LOCATED IN PHOENIX CLOSE OT I17TH AND TUNDERBIRD,

AND THE BEST PART THIS HOME IS WITHIN WALKING DISTANCE TO A PARK , ELEMENTARY SCHOOL AND HAS NO HOA.

June 25th was a Sad day indeed for all of us, Farah Fawcett died after a very long battle with cancer, she was a true angel, mother, lover , friend , and just a strong woman. 

and then later in the day

Michael  Jackson collapsed of hear failure and later died in the hospital. He was gone just like that in the blink of an eye, the man that produced songs like " Heal the world" ......  you're the world make it a better place for you and for me and for the entire human race  this was true in 1991 and we needed now more than ever. and  "You're not alone", He is gone , he defined our generation: the ones born in the 70's that grew up in the 80's and 90's,

What is your favorite song or  video? What moves you? what does his music mean to you ?

 R.I.P

Goodbye Michael

I hope youre' in a better place

Part 2:

I was going to come back sooner and expand on this however I have been extremely busy with what else: Short Sales. i TOUGHT THIS WOULD BE A GOOD TIME TO COME BACK and write more on the issue :

 Buyer's Agents:

• Because these sales are so time consuming it is very important that buyer's agent fully understand you have to wait for approval.  Do not make offers for a buyers if you're fully aware they are going to make 5 other offers at the same time and see what gets approve first. You would not want my seller to sell the home to 5 different buyers , disclose the price of the last offer to the next and see which one offers more. 
• Do not use the time to wait on an approval as the time to decide: "do we even want to be in this area? "
• Do your research on pricing, trends, inventory, visit and show the other listings in the neighborhood and then make the offer.

• Another place to do some good research on trends, inventory , sales and price decrease/ increase by city and zip code is  www.DQnews.com . Most of the West is here as well as  Miami Metro Area

More than any other time this is the time for respect on both sides.

Seller's Agents : doing or considering doing short sales ?

I came across a very useful site. This will give you some basics on how long the process can be with most lenders and what to expect. http://www.foreclosuretruth.com:80/shortsale .

I wish I knew about this earlier as one of the lenders is giving me a lot of heart burn right now ; had I known about this I would have prepared better ( buy more tums :) . 

Some situations are different that others as each seller's financial situation is unique . One rule of thumb: the closer to trustee sale the better you can negotiate. Some will only put files in an emergency basis if the sale is near by ....

Golden Rule:  Remember never  put your seller in a worse position that they would have been had they let the home go to trustee sale. 

You will not make a commission if  that sale doesn't close but do not let that stand in the way. Remind every negotiator AT EVERY BANK  you come in contact with how hard we work for everyone involved  and we want these sales to be in EVERY-ONE'S best interest AS MUCH AS POSSIBLE. FORECLOSURES DO NOT BENEFIT ANYONE IN THE LONG RUN !  EXCEPT ME IF I GET SOME MORE ASSIGNED BY A LENDER :)))

GOOD LUCK AND  PLEASE SHARE WHAT YOUR EXPERIENCES ARE LIKE.  

Elena Martinovici

Designated Broker-  Phoenix , Arizona

Short sale, BPO and REO

www.sonoranhomes.net

602-321-1273

Get Buyers off the Fence FAST

The market is Arizona is showing   GREAT signs of recovery.

Pending listings are up to a record of 13,600 listings in Maricopa County's ! that is  HUGE! no it ginormous !  a year ago this time it was 6,800.

We are also seeing the homes in the 250 K AND LOWER SELL WITH MULTIPLE OFFERS !  HOMES IN THE 500 K RANGE ARE STILL GOING DOWN BUT EVERYTHING ELSE SEEMS TO HAVE REACHED THE BOTTOM.

I HAVE OFFERS ON ALL MY SHORT SALE LISTINGS ( hope and pay they close ) AND I MIGHT BE JUST A FEW FRENCH FRIES SHORT OF A HAPPY MEAL ;) BUT I AM GOING TO GO LOOK FOR MORE TO LIST

 WHAT I HAVE LEARNED FROM THE PAST !!! THE MARKET CAN CHANGE IN THE BLINK OF ENE EYE; PHOENIX HAS A LOT OF FIRST TIME BUYER THAT HAVE BEEN WAITING FOR THE RIGHT TIME AND THEY WILL SNATCH ALL THE GOOD DEALS NOW ! AS SOON AS THAT HAPPENS THE PEOPLE CONTEMPLATING ON LETTING THEIR HOMES GO WILL DECIDE TO HANG ON TO THE HOMES SICE THEY WILL SEE THE RECOVERY COMING AND THERE IS HOME ...

With so many homes in the 100-150 K range why would you not want to buy ? OH Yes ! Show me the money !

Here are five financing "secrets" to make them sign up now.

1. $100 Down HUD Foreclosures

- Owner Occupied Only

- Easy Qualify

- Seller Paid Fees

2. FannieMae Foreclosures

- From 3% Down-10% Down Investor

- No Appraisal-No Mortgage Insurance

- Seller Paid Fees to 6% (2% Investor)

3. FHA 203k Streamline

- Buy home that needs work

- Finance up to $35,000 in repairs

- One loan, agent paid at COE

"BONUS" $8,000 Tax Credit - 1st time Buyers 

Call today for more info! and I will get you in touch with the Right Lender .

3 TV local Phoenix Station broad-casted tonight an interesting . Who you want to know that might be ? Wells Fargo that is who ?

story.http://www.azfamily.com/video/3onyourside-index.html?nvid=355259&shu=1

If you're behind on payments and maybe ready to give the property back to the bank and you have the  personal bank accounts at the same bank as your loan they might take all your money out of your accounts at any time. So you might wake up one day and the money is gone ....

• It happened here in AZ  to a Realtor, Young man lives in Tempe;  a condo that probably lost 50 % in value. He did try to modify it  the loan but since he now makes only 30 % of what he used to make the bank will not modify and so he decided to give it back, at that point Wells Fargo went in his accounts and took all the money ( he had about $ 2, 000 left  ) to a big fat 0. they left nothing not a penny.

• Unfortunately it is  federal law and they actually can do that legally,  so advise your clients that are in that predicament.

I think is outrageous!!! what are they getting out of the poor man's misfortune?  .... all his money left for food and necessities and maybe a new place to rent ,,,, bank is loosing $$$$ what are they going to do with that 2 K ? would that satisfy the balance owed ?

 They are blood suckers, Where are our Congressmen when we need them. 

• Really all this new govenment is just hot air and story's .  I have not seen any meaningfully help here is AZ . There is no protection for the average citizen !  Where the lawyers a@  when we need them to work on the consumer side maybe a class auction against all the banks that are not doing the loan modifications .... ANYONE ???  they say we dont' want the homes we want people to stay in the homes..  but they will take someones last dollar even by force !

Anyone knows can they take it from othe bank's accounts as well ?

Do you think this is right ?

Lenn Harley, a veteran Broker in Virginia who's opinions I came to respect a lot wrote a blog titled : " Were homeowners trying to get rich during the housing boom ? I had been thinking about it most of the day today however I've been in an out all day showing homes I went back on the blog late and found one of her reply's  to someone that was argunig that is is the borrower's fault and that everyone was greedy and should be responsible for their own mistakes, greed etc bla, bla, bla.. tell me something I don't know or haven't already heard.

• Lynn responded : I believe that mortgage providers get the type of borrower applicants that they ask for. 

 That statment  is 100% true and  this is how I can explain the mortgage mess in simple terms: If someone opens a restaurant and sell hamburgers for  $ 2 dollars does well  then they realize if they can sell  for  $ 50c upfront and put  $ 1.50 on the tab to be paid later they will sell a lot more hamburgers only to realize 2 years later that they are loosing money because the consumes are no paying their tabs for one reason or another ... who's to blame?  The people the bought it or the bad management at the restaurant that came up with the marketing plan?

• All the ARM, interest only, negative ARM were only designed to work on a market that was going up and up and up....  Bankers were getting paid on selling the product, no long time performance or even a long term outlook. NO ONE CARED if the loan will ever get paid or perform; from the fast talking smooth mortgage broker that made a commission to sell the product to the executives at the biggest banks that sold this crap to the board to get this approval on offering the product to the masses.

• Interest only and creative financing paid more than conventional 30 years fixed fully amortizable and those kids  were pushed to the consumers.I challenge anyone that has done loans between 2004-2006 to tell me otherwise.  I recently took a class that is presented by the former VP to Chase Wholesale Department in CA. I was told how all these loans came about and how second loans up to 100% financing and HELOC  up to 105 %  were adopted by Wells Fargo, Chase, Countrywide and everyone jumped in... it was a feeding frenzy as TONS of  money from China and other places was available to be loaned to people in the USA.  There was pressure to lower the guidelines so more people qualify. ( let me take that back: so Everyone that had a pulse can qualify ) There was more money available to lend than they could lend .... it was a very interesting, eye opening experience... and I KNOW NOW FOR A FACT THAT IT WAS NOT THE BORROWER'S FAULT. do you remember whne it was almost imposible t owalk into your local branch and not have someone there trying to sell you a line of credit on your house. ONE can only get want is available to them, and now look the big banks crying with their hands out taking the TARP money ( our money ) after they trashed people's lives ....

• Yes there has been the Investor and the Speculator..SO ? There has been investors in RE since the beginning of time... it is OK and normally healthy as not everyone wants to buy homes and fix them, rehab them and make them all worth buying again etc.. that is necessary in any economy  can you imagine havein ony old , decripted homes that no one wants to remodel ? .. what is not normal is giving 100 % financing on investment properties; now everyone can be an investor       ( " you've got to have some skin in on the game" )   ... soon as the market goes down the investor is left with no equity they will walk away as it is only about the # with investors. Those were the people that walked away from investments and the first wave of foreclosures hit the market in 2007 ( it was more quiet and it started in places like CA, NV, FL and AZ ) .

What did the banks do about it ? Nothing ! Why ? Again read above statement:  because they had no long term plan for it and didn't really care .... because they had already packaged these loans as good investments and sold them on wall street hoping they never again hear from those investors and just waiting to process they payments from borrowers. Again: " They, the Banks had no skin in the game in most of these loans either " Their only strategy was: we'll foreclose and take it back and sell it again ,,,, did not think about the other million properties financed just like that coming down like briks and taking all the values down..

Then the snowball started rolling downhill taking jobs, then taking regular homeowners down with it and now we have 5 mill people that lost their jobs since last summer so potential of 5 mill foreclosures .... that is not to count the underemployed and the self employed that are not counted here and all of the investors that already walked away.

Innocent people lost their jobs because of the mess it was created by very poor management decision. Remember,  just because some big hat has lots of degrees, talks fast and smooth and can sell you back the shirt you're already wearing doesn't mean he is fit to run a corporation, a kind of financial institution that can bring the economy to it's knees.  Personally I want to see more people with a common sense degree instead and less "sales" experience. Sales is to be used at the  auto dealership and the fine jewelery store! We need to offer information.

 I am mad and I am opinionated and I am tired of the bull crap... that is still being spoon fed to us.

PS. Yes and I am celebrating Easter !  HAPPY EASTER if any one reading gets offended too bad ! I can and  WILL BE, ALONG WITH CHRISTMAS. If you're here, in this country and you are allowed to celebrate your holidays any way you like it,  than I am allowed to celebrate mine, too much politically correct stuff is going on.

I want to see Happy Easter cards , not Happy Spring and Merry Christmas! cards not Happy Holidays !

Happy Easter to ALL that celebrate it !

Elena Martinovici

Broker - Phoenix

Short sales, REO,  BPO

www.sonoranhomes.net

Part one :

I do a lot of short sales... well, not hundreds but a few at the time that I devote a lot of personal attention and have closed a few ( the ones that don't close is most times because the buyer walked away right before the approval came back). I know a lot more about the process from experience now than some agents that have not had any done but are working with buyers. Nothing wrong with that .. buyers agents do a good job and we need them. here are a few points to keep in mind:

• However since this is Phoenix 2009 if you work with a buyer in certain zip codes you will find nothing but short sales and REO's .
• Some REO's are so bad they can't be financed and need a lot of basic repairs to make it livable.
• Most short sales in in good condition,some, like mine are in pristine condition and have the best upgrades on the block :)
• I would like to  stress that agents representing buyers that are looking at short sales need to have had a few done themselves and be less hissy about the process and towards the listing agent.( it is what ir is and we have to work with what we got )  If you come across as being a complainer than I will not want to work with you or your buyer as I know you will not be dedicated to the process and might move on to something else just before we get it done after hours of work that I have to put in for your buyer ....  if the home is in good condition is Worth the wait as you will get them a home in a much better condition than a trashed ABANDONED REO'Sfor about the same kind of money .
• Just make sure you write an offer that can be backed up by a BPO value for the area.  I have to write a blog about this subject.
• Do not ask me if the seller is Negotiable ( my answer is a smart one:  sure he will sell it for 1$ but I don't think the bank will take that .. What is he negotiating at this point?  Oh yes he does want to take his refrigerator and washer/ dryer and maybe the microwave... and personal belongings like the flat screen TV. Do not encourage the buyer to get greedy. These people are walking away with nothing and migth need those items ( if they decide to leave it I will tell you)  We are trying to prepare an offer that bank will accept based on recent active and sold comps that are similar or the same like this one in size location and amenities.... keep in mind your "prize" for the wait is the upgrades in the home or the condition of the home. Please come across as being well educated in the subject and ask relevant questions.
• If I tell you that this is a pre approved seller it means just that: the bank has looked at the sellers financial situation  and that he is approved to do a short sale but the  price and offer still needs to be approved. Remember is not always the price; is the price and terms. Could be terms as well as proof of funds etc... Show me how good the client is just like you would on a normal transaction and remember now you have another set or sets of eyes looking at this offer and your buyer's buying power.
• Send a complete offer and do not give me a definite time frame to respond; I will keep you informed and on the look  ... ok ( I agree 90 days with no answer or fallow up is not acceptable) but I usually can tell in 14 days or sooner what the response will be; now if we need to have the second answer as well ( when there is a second lien holder they usually want to see the approval from the first before they agree to put anything in writing ) then there are another few days as most answer in a short time ; some in 3 to 4 days after the first has approved.
• Also just so you know some Fannie an Freddie deals take a long time to respond even if they are foreclosures ( REO)  . .they are GSA's .. gov owned and work at the speed of government.
• As a general rule if the house had a notice of trustee date scheduled it will move even faster to get approved by the bank... a lot faster ..
• Educate your buyer and by all means do not discourage them if that is the house they like just because you want a faster paycheck..  Remember the buyers will be happier with the home that is in the better condition.
• I work very hard to get them approved and do not take just any listing. I take a limited # so I ca n service them better. Some I don't have a lockbox on for a reason: I want to meet the buyers and try to answer questions that come up right then and there. 

If I promised 3 % on the deal I will do my best to honor that and will go back to the lender and negotiate for that to be paid as well.  I am representing the seller and not the bank; my job is to sell it before the foreclosure takes place.

I will write more in part 2 coming soon

Elena Martinovici

Designated Broker-  Phoenix , Arizona

Short sale, BPO and REO

www.sonoranhomes.net

602-321-1273

• Completely remodeled home,3 bedroom 2 bath built in 1995 . Almost everything is newer
• Cherry Spice Cabinets, Granite counter tops ( rare Verde de san Froncisco )  in kitchen and both bathrooms, hardwood floors in main area
• Newer Black Whirpool appliances, satin nickel faucets, newer carpet! (over $32K in upgrades after the home was purchased!)
• Security Doors at all entrances, including patio and Master Bedroom.
• Vaulted ceilings from the front door to the back yard.
• Light and bright floor plan,large backyard, extended patio,quiet neighborhood, and lots more!!!
• Minutes to Desert Ridge Mall, Paradise Valley Mall, centrally located next to HWY 101 and SR51
• minutes from North Scottsdale

This is the best home in the neighborhood and a steal at this price. Don't let this one get away !!!!

This is a pre approved short sale listing with the first lien holder.

We need an offer and a well qualified buyer.

 And maybe even a 4% interest rate buy down.  (this one is pushed by Republicans ) So Are We finally all in the same page ? I hope so !!!

Have been reading a lot of advertising from home builders here in Phoenix and what I find is that now they are using the slogan " Why buy a foreclosure when you can buy new  " ??? You mean Why buy the homes that we built 4 years ago that are now vacant because we overcharged someone for it ? Come on ? Is this the best slogan you can use to attract buyers ??????

I doubt that we need more homes in Surprise, Buckeye and Queen Creek ....plenty of vacant ones now. I do a lot of BPO's and inspectios for banks and I come across homes that are in almost pefect shape ( might need a new coat of paint and maybe a carpet cleaning ) but the rest of the home is like new and most of the time these are located in subdivisions that are already completed so you won't have to live next to a vacant lot for the next... who knows maybe 2 years.....

Don't get me wrong; I have nothing against builders ( Well maybe a little grudge for what they did to the market in '05 - '06 ). Like pushing prices up by selling homes at a lottery ! Was that even legal or ethical? and refusing to pay commission to buyer's agents ? I am sure y'all remember those days.

 I think that credit should be given for resale homes and foreclosures. We need to clear up the inventory before building more homes. Duh.... ( just my 2 cents )

 Certain parts of Phoenix Metro do NOT need any more new homes for now . Maybe concentrating building for infill projects ( older parts of town ) and along transportation routes ( like the new Metro Rail in Phoenix ). Gas prices will go up AGAIN ! just like interest rates will. However gas prices you can't lock in but interest rates you can. Buyers You have control over the buying process now. So what are you waiting for ? Take advantage of the buyers market . Buy low and pay low interest payment oh and 10% credit on taxes WOW !!!!!

But ultimately that is the buyer's decision! I will be more than happy to explain the different options they have now.

 Elena Martinovici -  Designated Broker

 Professional Marketing Realty

 www.sonoranhomes.net

Your source for unbiased market reports and local news !

Contact me by email : sonoranhomes@cox.net and I will answer any questiosn you might have ! Truthfully and Honestly !

John is the kind of guy you love to hate. He is always in a good mood and always has something positive to say. When someone would ask him how he was doing, he would reply, 'If I were any better, I would be twins!'
 

He was a natural motivator.
 

If an employee was having a bad day, John was there telling the employee how to look on the positive side of the situation.

Seeing this style really made me curious, so one day I went up and asked him, 'I don't get it!
 

You can't be a positive person all of the time. How do you do it?'


 

He replied, 'Each morning I wake up and say to myself, you have two choices today. You can choose to be in a good mood or ... you can choose to be in a bad mood
 

I choose to be in a good mood.'

Each time something bad happens, I can choose to be a victim or...I can choose to learn from it. I choose to learn from it.


 

Every time someone comes to me complaining, I can choose to accept their complaining or... I can point out the positive side of life. I choose the positive side of life.


 

'Yeah, right, it's not that easy,' I protested.

'Yes, it is,' he said. 'Life is all about choices. When you cut away all the junk, every situation is a choice. You choose how you react to situations. You choose how people affect your mood.


 

You choose to be in a good mood or bad mood. The bottom line: It's your choice how you live your life.'
 

I reflected on what he said. Soon hereafter, I left the Tower Industry to start my own business. We lost touch, but I often thought about him when I made a choice about life instead of reacting to it.
 

Several years later, I heard that he was involved in a serious accident, falling some 60 feet from a communications tower.

After 18 hours of surgery and weeks of intensive care, he was released from the hospital with rods placed in his back.


 

I saw him about six months after the accident.


 

When I asked him how he was, he replied, 'If I were any better, I'd be twins...Wanna see my scars?'

I declined to see his wounds, but I did ask him what had gone through his mind as the accident took place.


 

'The first thing that went through my mind was the well-being of my soon-to-be born daughter,' he replied. 'Then, as I lay on the ground, I remembered that I had two choices: I could choose to live or...I could choose to die. I chose to live.'
 

'Weren't you scared? Did you lose consciousness?' I asked
 

He continued, '..the paramedics were great.


 

They kept telling me I was going to be fine. But when they wheeled me into the ER and I saw the expressions on the faces of the doctors and nurses, I got really scared. In their eyes, I read 'he's a dead man'. I knew I needed to take action.'


 

'What did you do?' I asked.

'Well, there was a big burly nurse shouting questions at me,' said John. 'She asked if I was allergic to anything 'Yes', I replied. The doctors and nurses stopped working as they waited for my reply. I took a deep breath and yelled, 'Gravity'!
 

Over their laughter, I told them, 'I am choosing to live. Operate on me as if I am alive, not dead.'
 

He lived, thanks to the skill of his doctors, but also because of his amazing attitude... I learned from him that every day we have the choice to live fully.
 

Attitude, after all, is everything.
 

Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own.' Matthew 6:34.
 

After all, today is the tomorrow you worried about yesterday.

Someone sent this to me today.  I reflected about this for a while  and then I made a  promise to myself to try really hard and think like John every day.  Starting tomorrow  I will wake up and make a decision  to  try and have a good attitude. I know stuff will hapen. Every day there is  something  that goes wrong no matter I  do or don't do.  Most stuff in life we have no control over so why not try to have a positive attitude.  I will also "delete" from my life all the people and situations that put my life in  negative, stresfull drive.  I will avoid dealing with unpredictable, angry people and choose not to give in to anger and upset.

 I have only one life to live and it is not worth living it with a bad attitude and affraid.

An OldTown Scottsdale Icon for Sale ! First Class Skin Care, Waxing and Eye Brow  Salon!

7007 E. 5th Avenue  Scottsdale,  AZ 85251 Down the street from Fashion Square  Mall !

Beautiful Skincare Salon Specializing in Eye Brow Waxing, Body Waxing and Facials. State of the Art Furniture and Equipment, has been in business for over 7 years and as a Skin Care salon for over 15 years. Voted the best Eyebrow Salon in Arizona and One of the Best in USA by Allure Magazine. Salon Has a Very Wealthy, Repeat Clientele and Goodwill is Excellent. The Brow Lady has Own brand of Skin care and lotion line. Showings are done only on Sunday. If you want to see only and feel the salon any other time have a brow shape or facial done :) but no business questions please. You may also visit the web site for history and information on products offered. Excellent financial for this year.

This Salon is  one of the Best in the USA ! Asking  $ 100,000. Low Rent for the Awesome Location !

 You can't get better than this as far as visibility and location. 

Check out the Web Site http://www.thebrowladyusa.com/

http://www.msnbc.msn.com/id/26837854/

This is the best information I found up to date on how this trillion dollar bailout is going to affect all of us and why it might not be so bad after all.

This is easy to understand for just about everyone reading it  and it finally answered my question. Where is all that money that lenders lost ? .... after all someone must have it  Right ? Wrong ! No, is not here, and it never really was here. It was all on paper .....

Feds will be going to uncle Sam . When the market engine will start going forward again we will actually make money ... or uncle Sam will. Great Concept !

Let's hope it works as it still has a lot of unknowns.

I want to know what you think !

Update on this listing : Bank did not approve a short sale offer I sent them for 135 K and is now a REO listing at 104K. Got to love the banks ! 

For Buyers : there are other units available .... so don't hesitate to call me. 

ASKING  $ 124, 000.  ONE OF THE BEST PRICES IN RITZY NORTH SCOTTSDALE.

Steal this Short Sale unit @ Montage. BANK RESPONDS FAST WITH COMPLETE PACKAGE.

 LSR AND PROOF OF CASH FUNDS A MUST.

• 2nd STORY  1 BEDROOM / 1 BATH UNIT
• Granite and Maple in Kitchen
• Ceiling fans in every room
• Full size washer/dryer in unit
• Very nice unit Balcony

 Great location! North Scottsdale and 85054 zip code.

 Close to Shopping, Hwy 101 , Kierland and Desert Ridge. 

 Parking space # 4478.

GATED COMPLEX FEATURES : 2 HEATED POOLS, SPA, STATE OF THE ART CLUB HOUSE WITH MEETING ROOM, SITTING AREA WITH FIREPLACE, PIANO, FLAT SCREEN TV,  JAVA BAR,  FITNESS ROOM,  FREE WI-FI , INTERNET ACCESS IN POOL AND CLUB HOUSE AREA.

PERFECT VACATION HOME FOR WINTER VISITORS . CLOSE TO TPC GOLF COURSE, KIERLAND AND OTHER MAJOR ATTRACTIONS. YOU CAN'T BEAT THIS PRICE  FOR LOCATION AND AMENITIES .

TO FIND OUT MORE LOOK THIS UP ON MY WEB SITE @ WWW.SONORANHOMES.NET  OR CALL

602-321-1273

 WE now have an offer that was sent to the Bank  for a final approval and are looking for a back up offer .

2 BEDROOMS ALSO AVAILABLE !!!!

Offered For lease @ $  1, 000/ month   ( 12 MONTH LEASE )

Like new 1 Bedroom /1 Bath large 1,009 sq. ft. on second floor overlooking a large green belt and pool.

Best location in complex @ Biagio. Biagio is a gated luxury complex !!!


Biagio is located @ Chandler Boulevard and Rural Road across from Intel Plant , close to ASU Tempe

* Complex has a heated pool, heated spa,  gas BBK area , club house, fitness room,
green belts.

 For more information on this listing please visit my web site : www.sonoranhomes.net

 I had the price lowered several times on this condo and  I have to update the listing to Pending ! Short sale was approved , Two Lenders Involved and wasn't easy  :)

Located at Tapestry on Central .  Finished in 2006  Luxury Condomenium . On a Light Rail Stop .  

 Close to New ASU Down Town Campus. http://campus.asu.edu/downtown/colleges-and-schools

http://campus.asu.edu/downtown 

 Offered @  185 K ,  Short Sale Listing ,  Leased until June 2009  ( makes this an easy investment with cash flow )

Complex offers : Heated pool, spa , fitness room, cinema room, club house, BBK area,  elevators  for each building, nicely landscaped courtyard

 Close  to dozens of urban destinations for dining, shopping, theatre, concerts and sporting events .

 1 Bedroom ~ 1 Bathroom ~ gated and assigned parking underground 

~ Fireplace in living room  ~  City and Pool View

Kitchen offers : 

Granite slab coutertops  

42"  Contemporary Laminate  Maple Cabinets

Gas Sove , Stainesteel Appliances

Bathroom :

Luxury soaking tub

Separate shower

Double vanity

Kohler fixures 

Unit offers : Full size washer dryer , pantry room, lots of closet space, large sliding door from master bedoom to balcony , access to balcony from living room . Security system prewired .Fire sprinkler system throughout the interior.

Cox Communications high-speed .

 For  more information and other available properties please visit my web site:   www. sonoranhomes.net