Quotes!

Here are some quotes!

"We are formed and molded by our thoughts. Those whose minds are shaped
by selfless thoughts give joy when they speak or act. Joy follows them
like a shadow that never leaves them."
-- Buddha

"Investment decisions or personal decisions don't wait for the picture
to be clarified."
-- Andrew Grove, executive

"It's no accident that things are more likely to go your way when you
stop worrying about whether you're going to win or lose, and focus all
your full attention on what's happening right at this moment."
-- Phil Jackson, basketball coach

"We succeed only as we identify in life, or in war, or in anything else,
a single overriding objective, and make all other considerations bend to
that one objective."
-- Dwight Eisenhower, 34th U.S. president

"Some of us will do our jobs well and some will not, but we will and be
judged by only one thing: the result."
-- Vince Lombardi, football coach

"If I have seen farther than others, it is because I was standing on the
shoulder of giants."
-- Isaac Newton, scientist

"I think luck is the sense to recognize an opportunity and the ability
to take advantage of it. The man who can smile at his breaks and grab
his chances gets on."
-- Samuel Goldwyn, movie executive

"A good plan is like a road map: it shows the final destination and
usually the best way to get there."
-- H. Stanley Judd, Writer

"Energy is the essence of life. Every day you decide how you're going to
use it by knowing what you want and what it takes to reach that goal,
and by maintaining focus."
-- Oprah Winfrey, talk show host

"He who hesitates is poor."
-- Mel Brooks, director

"Every time we've moved ahead in IBM, it was because someone was willing
to take a chance, put his head on the block and try something new."
-- Thomas J. Watson, executive

"I think there's a great beauty to having problems. That's one of the
ways we learn."
-- Herbie Hancock, musician

"My father taught me that reputation, not money, was the most important
thing in the world."
-- William Rosenberg, Dunkin Donuts founder

"Anyone who stops learning is old, whether at twenty or eighty. Anyone
who keeps learning stays young. The greatest thing in life is to keep
your mind young."
-- Henry Ford, Industrialist

"Excellence is not a skill. It is an attitude."
-- Ralph Marston, Author

"So many of our dreams at first seem impossible, then they seem
improbable, and then, when we summon the will, they soon become
inevitable."
-- Christopher Reeve, Actor

"We must do that which we think we cannot."
-- Eleanor Roosevelt, first lady

"Start where you are. Use what you have. Do what you can."
-- Arthur Ashe, Tennis Player

"No pessimist ever discovered the secrets of the stars, or sailed to an
uncharted land or opened a new heaven to the human spirit."
-- Helen Keller, lecturer

"You can't steal second base and keep you foot on first."
-- Frederick Wilcox, writer

"I don't think of myself as a poor deprived ghetto girl who made good. I
think of myself as somebody who from an early age knew I was responsible
for myself, and I had to make good."
-- Oprah Winfrey, Talk Show Host

"I was taught to strive not because there were any guarantees of
success, but because the act of striving is in itself the only way to
keep faith with life."
-- Madeleine Albright, secretary of state

"Optimism is essential to achievement and it is also the foundation of
courage and true progress."
-- Nicholas M. Butler, American Philosopher

"Success is always temporary. When all is said and done, the only thing
you'll have left is your character"
-- Vince Gill, Musician

"We all have dreams. But in order to make dreams come into reality, it
takes an awful lot of determination, dedication, self-discipline, and
effort."
-- Jesse Owens, Olympic Athlete

"Go as far as you can see; when you get there, you'll be able to see
farther."
-- J.P. Morgan, industrialist

"When the solution is simple, God is answering."
-- Albert Einstein, Theoretical Physicist

"Keep your fears to yourself, but share your inspiration with others."
-- Robert Louis Stevenson, writer

"Nothing so conclusively proves a man's ability to lead others as what
he does from day to day to lead himself."
-- Thomas J. Watson Sr, executive

"The only certain means of success is to render more and better service
than is expected of you, no matter what your task may be."
-- Og Mandino, author

"Reduce your plan to writing. The moment you complete this, you will
have definitely given concrete form to the intangible desire."
-- Napolean Hill, Motivational Writer

"People fail forward to success."
-- Mary Kay Ash, cosmetics mogul

"The discipline of writing something down is the first step toward
making it happen."
-- Lee Iacocca, Auto Executive

"What keeps so many employees back is simply unwillingness to pay the
price, to make the exertion, the effort to sacrifice their ease and
comfort."
-- Orison Swett Marden, motivational expert

"The fiery trials through which we pass will light us down in honor or
dishonor to the latest generation."
-- Abraham Lincoln, 16th U.S. President

"Man must cease attributing his problems to his environment, and learn
again to exercise his will - his personal responsibility."
-- Albert Schweitzer, Humanitarian

"Great hopes make everything great possible."
-- Benjamin Franklin, Statesman/Mason

"Difficulties in life are intended to make us better not bitter."
-- Dan Reeves, Football Coach

"To succeed, it is necessary to accept the world as it is -- and rise
above it."
-- Michael Korda, Publisher

"Tomorrow is the most important thing in life. Comes in to us at
midnight very clean. It's perfect when it arrives and it puts itself in
our hands, and hopes we've learned something from yesterday."
-- John Wayne, Actor

"Fortune favors the audacious."
-- Desiderius Erasmus, Theologian

"People, when they first come to America, whether as travelers or
settlers, become aware of a new and agreeable feeling: that the whole
country is their oyster."
-- Alistair Cooke, Journalist

"We must all suffer from one of two pains: the pain of discipline or the
pain of regret. The difference is discipline weighs ounces while regret
weighs tons."
-- Jim Rohn, Motivational Coach

"In the absence of clearly-defined goals, we become strangely loyal to
performing daily trivia until ultimately we become enslaved by it."
-- Robert Heinlein, American Novelist

"Life is not easy for any of us. But what of that? We must have
perseverance and, above all, confidence in ourselves. We must believe
that we are gifted for something, and that this thing, at whatever cost,
must be attained"
-- Marie Curie, Chemist

Loan Mod! Too Good To Be True...

We hear lots things about Loan Mods, everyone's hope is to stay in their home. Moving is brutal under good circumstnaces. So it is easy for people to fall prey to loan mods scams. I am not aware of any well rated Loan Mod Companies out there. When your clients ask you about it...



Here is an article from Inman News

"""Florida officials are suing four related companies that were allegedly collecting up to $1 million a month in up-front fees for loan modification services that they failed to deliver, soliciting consumers through the Internet and automated phone calls using President Barack Obama's voice.



FHA All Day.Com, the company's owner, Jason Vitulano, and three other affiliated companies are accused of failing to perform services promised to homeowners facing foreclosure, after the Florida Attorney General's office received more than 300 complaints.



The companies allegedly charged up to $5,000 for loan modification services, claiming to have an attorney on staff even though investigators found no evidence that attorneys were working on any files, Attorney General Bill McCollum said in a press release.



The Miami Herald reported that one recorded call the companies allegedly used to solicit business began with a man saying, "Message from our president," followed by a recording of Obama saying: "All across this state, there are families who have done everything right, but are now facing foreclosure or are seeing their home values plummet."



The attorney general is seeking a permanent injunction prohibiting FHA All Day.com, Safety Financial Services Inc., Housing Assistance Law Center, and Housing Assistance Now from charging up-front fees.



The lawsuit also seeks restitution on behalf of all victimized consumers, civil penalties of $15,000 for each violation of the Foreclosure Fraud Prevention Act, and reimbursement for fees and costs related to the investigation.



The Herald reported that when it tried to reach Vitulano Tuesday, nobody answered the phone at his business and his home telephone number had been disconnected.

The company's Web site, www.FHAALLDAY.com, informs visitors that the company is "no longer accepting any new applications."



The Federal Trade Commission last week announced a coordinated national effort to crack down on mortgage rescue scams, taking action with 23 state attorneys general against 178 companies accused of deceptively marketing foreclosure rescue and loan modification services."""


Again please let your folks know that people really do not have a lot of experience with Loan Mods and to be very leary of people looking for big money up front. For goodness sakes follow the old adage of, it is too good to be true...