"Self-respect is the fruit of discipline; and the sense of dignity grows with the ability to say not to oneself."
Abraham Joshua Heschel, Leading Jewish theologian of the 20th century
"Worry often gives a small thing a great shadow."
Swedish Proverb
"If you would hit the mark, you must aim a little above it; every arrow that files feels the attraction of earth."
Henry Wadsworth Longfellow, author
"Ideas are a dime a dozen. People who implement them are priceless."
Mary Kay Ash, Entrepreneur
"Courage is not limited to the battlefield. The real tests of courage are much quieter. They are the inner tests, like enduring pain when the room is empty or standing alone when you're misunderstood."
Charles Swindoll
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Showing posts with label Realtor. Show all posts
Showing posts with label Realtor. Show all posts
Wednesday, November 16, 2011
Monday, November 14, 2011
Daily Quotes November 14, 2011!
"You can't build a reputation on what you're going to do."
Henry Ford, Founder of the Ford Motor Company
"Vision without action is a daydream. Action without vision is a nightmare.
Japanese Proverb
"The ability to simplify means to eliminate the unnecessary so that the necessary may speak."
Hans Hoffmann
"Knowing is not enough; we must apply. Wishing is not enough; we must do."
Johann Wolfgang Von Goethe, Author
"Envisioning the end is enough to put the means in motion."
Dorothea Brande, Writer
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Henry Ford, Founder of the Ford Motor Company
"Vision without action is a daydream. Action without vision is a nightmare.
Japanese Proverb
"The ability to simplify means to eliminate the unnecessary so that the necessary may speak."
Hans Hoffmann
"Knowing is not enough; we must apply. Wishing is not enough; we must do."
Johann Wolfgang Von Goethe, Author
"Envisioning the end is enough to put the means in motion."
Dorothea Brande, Writer
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Tuesday, November 8, 2011
Daily Quotes November 8, 2011!
"As I grow older, I pay less attention to what men say. I just watch what they do."
Andrew Carnegie, Industrialist
"Do the thing you fear, and the death of fear is certain."
Ralph Waldo Emerson, Poet
"Just as iron rusts from disuse, even so does inaction spoil the intellect."
Leonardo da Vinci, Artist
"Faith is taking the first step even when you don't see the staircase."
Martin Luther King, Jr., civil rights leader
"The miracle is this - the more we share, the more we have."
Leonard Nimoy, Actor
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Andrew Carnegie, Industrialist
"Do the thing you fear, and the death of fear is certain."
Ralph Waldo Emerson, Poet
"Just as iron rusts from disuse, even so does inaction spoil the intellect."
Leonardo da Vinci, Artist
"Faith is taking the first step even when you don't see the staircase."
Martin Luther King, Jr., civil rights leader
"The miracle is this - the more we share, the more we have."
Leonard Nimoy, Actor
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Monday, November 7, 2011
Daily Quotes November 7, 2011!
"A journey of a thousand miles begins with a single step."
Chinese Proverb
"Life begins when you do."
Hugh Downs, American Broadcaster
"You'll always miss 100% of the shots you don't take."
Wayne Gretzky, Hockey Player
"The key is not to prioritize what is on the schedule, but to schedule your priorities."
Stephen Covey, Author and Speaker
"Luck is what happens when preparation meets opportunity."
Darrell Royal
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Chinese Proverb
"Life begins when you do."
Hugh Downs, American Broadcaster
"You'll always miss 100% of the shots you don't take."
Wayne Gretzky, Hockey Player
"The key is not to prioritize what is on the schedule, but to schedule your priorities."
Stephen Covey, Author and Speaker
"Luck is what happens when preparation meets opportunity."
Darrell Royal
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Monday, October 31, 2011
Daily Quotes October 31, 2011!
"When nothing seems to help, I go and look at a stone-cutter hammering away at his rock perhaps a hundred times without as much as a crack showing in it. Yet at the hundred and first blow it will split in two, and I know it was not that blow that did it - but all that had gone before."
Jacob Riis, Photographer and Journalist
"Very often a change of self is needed more than a change of scene."
Arthur Christopher Benson, British Authorhttp://www.blogger.com/img/blank.gif
"Nothing in life is more important than the ability to communicate effectively."
Gerald R. Ford, 38th President of the United States and Mason
"Until we can manage time, we can manage nothing else."
Peter F. Drucker, Author and Management Expert
"Samson killed a thousand men with the jaw bone of an ass. That many sales are killed every day with the same weapon."
Anonymous
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Jacob Riis, Photographer and Journalist
"Very often a change of self is needed more than a change of scene."
Arthur Christopher Benson, British Authorhttp://www.blogger.com/img/blank.gif
"Nothing in life is more important than the ability to communicate effectively."
Gerald R. Ford, 38th President of the United States and Mason
"Until we can manage time, we can manage nothing else."
Peter F. Drucker, Author and Management Expert
"Samson killed a thousand men with the jaw bone of an ass. That many sales are killed every day with the same weapon."
Anonymous
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Friday, October 28, 2011
Daily Quotes October 28, 2011!
"As you simplify your life, the laws of the universe will be simpler; solitude will not be solitude, poverty will not be poverty, nor weakness weakness."
Henry David Thoreau, Author, Philosopher
"Pretend that every single person you meet has a sign around his or her neck that says, "Make me feel important." Not only will you succeed in sales, you will succeed in life." http://www.blogger.com/img/blank.gif
Mary Kay Ash, Entrepreneur
"The bad news is time flies. The good news is you're the pilot."
Michael Altshuler
"Purpose and laughter are the twins that must not separate. Each is empty without the other."
Robert K. Greenleaf
"Life is 10 percent what you make it, and 90 percent how you take it. "
Irving Berlin, American Composer and Lyricist
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Henry David Thoreau, Author, Philosopher
"Pretend that every single person you meet has a sign around his or her neck that says, "Make me feel important." Not only will you succeed in sales, you will succeed in life." http://www.blogger.com/img/blank.gif
Mary Kay Ash, Entrepreneur
"The bad news is time flies. The good news is you're the pilot."
Michael Altshuler
"Purpose and laughter are the twins that must not separate. Each is empty without the other."
Robert K. Greenleaf
"Life is 10 percent what you make it, and 90 percent how you take it. "
Irving Berlin, American Composer and Lyricist
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Thursday, October 27, 2011
Daily Quotes October 27, 2011!
"If you can give your son or daughter only one gift, let it be enthusiasm."
Bruce Barton, Executive
"Confidence and enthusiasm are the greatest sales producers in any kind of economy."
O. B. Smith
"Either write something worth reading or do something worth writing."
Benjamin Franklin, Inventor, Statesman, Mason
"Thought is the original source of all wealth, all success, all material gain, all great discoveries and inventions, and of all achievement."
Claude M. Bristol, Author
"People die of fright and live of confidence."
-- Henry David Thoreau, Author, Philosopher
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Bruce Barton, Executive
"Confidence and enthusiasm are the greatest sales producers in any kind of economy."
O. B. Smith
"Either write something worth reading or do something worth writing."
Benjamin Franklin, Inventor, Statesman, Mason
"Thought is the original source of all wealth, all success, all material gain, all great discoveries and inventions, and of all achievement."
Claude M. Bristol, Author
"People die of fright and live of confidence."
-- Henry David Thoreau, Author, Philosopher
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Tuesday, October 25, 2011
Daily Quotes October 25, 2011!
"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
"You miss 100% of the shots you never take."
Wayne Gretzky, Hockey Great
"A man does what he must; in spite of personal consequences, in spite of obstacles and dangers and pressures."
John Kennedy, 35th U.S. President
"It is not the employer who pays wages; he only handles the money. It is the product that pays wages."
Henry Ford, Industrialist
"We must take change by the hand or rest assuredly, change will take us by the throat."
Winston Churchill, Former British prime minister
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Robert Heinlein, American Novelist
"You miss 100% of the shots you never take."
Wayne Gretzky, Hockey Great
"A man does what he must; in spite of personal consequences, in spite of obstacles and dangers and pressures."
John Kennedy, 35th U.S. President
"It is not the employer who pays wages; he only handles the money. It is the product that pays wages."
Henry Ford, Industrialist
"We must take change by the hand or rest assuredly, change will take us by the throat."
Winston Churchill, Former British prime minister
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Monday, October 24, 2011
Daily Quotes October 24, 2011!
"Difficulties in life are intended to make us better not bitter."
Dan Reeves, Football Coach
"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
http://www.blogger.com/img/blank.gif
"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
"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
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Dan Reeves, Football Coach
"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
http://www.blogger.com/img/blank.gif
"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
"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
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Monday, April 25, 2011
Daily Quotes April 25, 2011!
Daily Quotes April 25, 2011!
"If we had to point out one single notion that is calculated to damage
industrial performance... it is the idea that profit is somehow wrong. "
-- Margaret Thatcher
"Hope doesn't come from calculating whether the good news is winning out
over the bad. It's simply a choice to take action."
-- Anna Lappe, Writer
"Character cannot be developed in ease and quiet. Only through
experience of trial and suffering can the soul be strengthened, ambition
inspired and success achieved."
-- Helen Keller, lecturer
"The world is more malleable than you think, and it's waiting for you to
hammer it into shape. "
-- Bono, musician
"Great hopes make everything great possible."
-- Benjamin Franklin, Statesman
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"If we had to point out one single notion that is calculated to damage
industrial performance... it is the idea that profit is somehow wrong. "
-- Margaret Thatcher
"Hope doesn't come from calculating whether the good news is winning out
over the bad. It's simply a choice to take action."
-- Anna Lappe, Writer
"Character cannot be developed in ease and quiet. Only through
experience of trial and suffering can the soul be strengthened, ambition
inspired and success achieved."
-- Helen Keller, lecturer
"The world is more malleable than you think, and it's waiting for you to
hammer it into shape. "
-- Bono, musician
"Great hopes make everything great possible."
-- Benjamin Franklin, Statesman
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Wednesday, April 20, 2011
Daily Quotes April 20, 2011!
Daily Quotes April 20, 2011!
"You do not succeed because you do not know what you want or you don't
want it intensely enough."
-- Frank Crane, Minister
"Character is the ability to carry out a good resolution long after the
excitement of the moment has passed."
-- Cavett Robert
"We must look for the opportunity in every difficulty instead of being
paralyzed at the thought of the difficulty in every opportunity."
-- Walter E. Cole, Korean War Hero
"The true measure of a career is to be able to be content, even proud,
that you succeeded through your own endeavors without leaving a trail of
casualties in your wake."
-- Alan Greenspan, economist
"Any fool can make things bigger, more complex and more violent. It
takes a touch of genius - and a lot of courage - to move in the opposite
direction."
-- Albert Einstein, scientist
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"You do not succeed because you do not know what you want or you don't
want it intensely enough."
-- Frank Crane, Minister
"Character is the ability to carry out a good resolution long after the
excitement of the moment has passed."
-- Cavett Robert
"We must look for the opportunity in every difficulty instead of being
paralyzed at the thought of the difficulty in every opportunity."
-- Walter E. Cole, Korean War Hero
"The true measure of a career is to be able to be content, even proud,
that you succeeded through your own endeavors without leaving a trail of
casualties in your wake."
-- Alan Greenspan, economist
"Any fool can make things bigger, more complex and more violent. It
takes a touch of genius - and a lot of courage - to move in the opposite
direction."
-- Albert Einstein, scientist
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Friday, April 15, 2011
Daily Quotes April 15, 2011!
Daily Quotes April 15, 2011!
"A man watches his pear tree, day after day, impatient for the ripening of the fruit. Let him attempt to force the process, and he may spoil both the fruit and tree. But let him patiently wait, and the ripe pear, at length, falls into his lap."
-- Abraham Lincoln, 16th President of the United States
"My father taught me that reputation, not money, was the most important thing in the world."
-- William Rosenberg, Dunkin Donuts founder
"I really do think that any deep crisis is an opportunity to make your life extraordinary in some way."
-- Martha Beck, Author
"When you find yourself stressed, ask yourself one question: Will this matter five years from now? If yes, then do something about the situation. If no, then let it go."
-- Catherine Pulsifer, writer
"Luck is the sense to recognize an opportunity and the ability to take advantage of it."
-- Samuel Goldwyn, entertainment executive
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"A man watches his pear tree, day after day, impatient for the ripening of the fruit. Let him attempt to force the process, and he may spoil both the fruit and tree. But let him patiently wait, and the ripe pear, at length, falls into his lap."
-- Abraham Lincoln, 16th President of the United States
"My father taught me that reputation, not money, was the most important thing in the world."
-- William Rosenberg, Dunkin Donuts founder
"I really do think that any deep crisis is an opportunity to make your life extraordinary in some way."
-- Martha Beck, Author
"When you find yourself stressed, ask yourself one question: Will this matter five years from now? If yes, then do something about the situation. If no, then let it go."
-- Catherine Pulsifer, writer
"Luck is the sense to recognize an opportunity and the ability to take advantage of it."
-- Samuel Goldwyn, entertainment executive
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Monday, April 11, 2011
Daily Quotes April 11, 2011!
Daily Quotes April 11, 2011!
"If I had to select one quality, one personal characteristic that I regard as being most highly correlated with success, whatever the field, I would pick the trait of persistence."
-- Richard DeVos, Amway Co-founder
"As for worrying about what other people might think - forget it. They aren't concerned about you. They're too busy worrying about what you and other people think of them."
-- Michael le Boeuf
"Mickey Mouse popped out of my mind onto a drawing pad... when the business fortunes of my brother Roy and myself were at their lowest ebb and disaster seemed right around the corner."
-- Walt Disney, producer
"You can't do it unless you can imagine it."
-- George Lucas, director
"A successful man is one who can lay a firm foundation with the bricks other have thrown at him."
-- David Brinkley, newscaster
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"If I had to select one quality, one personal characteristic that I regard as being most highly correlated with success, whatever the field, I would pick the trait of persistence."
-- Richard DeVos, Amway Co-founder
"As for worrying about what other people might think - forget it. They aren't concerned about you. They're too busy worrying about what you and other people think of them."
-- Michael le Boeuf
"Mickey Mouse popped out of my mind onto a drawing pad... when the business fortunes of my brother Roy and myself were at their lowest ebb and disaster seemed right around the corner."
-- Walt Disney, producer
"You can't do it unless you can imagine it."
-- George Lucas, director
"A successful man is one who can lay a firm foundation with the bricks other have thrown at him."
-- David Brinkley, newscaster
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Monday, April 4, 2011
Daily Quotes April 4, 2011!
Daily Quotes April 4, 2011!
"Adventure is a state of mind - and spirit. It comes with faith, for with complete faith, there is no fear of what faces you in life or death."
-- Jacqueline Cochran, aviator
"My interest is in the future because I am going to spend the rest of my life there."
-- Charles Kettering, Social Philosopher
"It is literally true that you can succeed best and quickest by helping others to succeed."
-- Napolean Hill, author
"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
"The road to happiness lies in two simple principles: find what it is that interests you and that you can do well, and when you find it put your whole soul into it - every bit of energy and ambition and natural ability you have."
-- John D. Rockefeller, industrialist
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"Adventure is a state of mind - and spirit. It comes with faith, for with complete faith, there is no fear of what faces you in life or death."
-- Jacqueline Cochran, aviator
"My interest is in the future because I am going to spend the rest of my life there."
-- Charles Kettering, Social Philosopher
"It is literally true that you can succeed best and quickest by helping others to succeed."
-- Napolean Hill, author
"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
"The road to happiness lies in two simple principles: find what it is that interests you and that you can do well, and when you find it put your whole soul into it - every bit of energy and ambition and natural ability you have."
-- John D. Rockefeller, industrialist
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Wednesday, March 30, 2011
Daily Quotes March 30, 2011!
Daily Quotes March 30, 2011!
"There comes a special moment in everyone's life; a moment for which
that person was born. That special opportunity, when he seizes it, will
fulfill his mission-a mission for which he is uniquely qualified. In
that moment, he finds greatness. It is his finest hour."
-- Winston Churchill, British prime minister
"When you get into a tight place and everything goes against you till it
seems you could not hold on a minute longer, never give up then, for
that is just the place and time that the tide will turn."
-- Harriet Beecher Stowe, author
"I have always found that if I move with 75% or more of the facts, I
usually never regret it. It's the guys who wait to have everything
perfect that drive you crazy."
-- Lee Iacocca, executive
"All who have accomplished great things have had a great aim and have
fixed their gaze on a goal that is high--one that sometimes seems
impossible."
-- Orison Swett Marden, Motivational Writer
"The rung of a ladder was never meant to rest upon, but only to hold a
man's foot long enough to enable him to put the other somewhat higher."
-- Thomas Huxley, Biologist
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"There comes a special moment in everyone's life; a moment for which
that person was born. That special opportunity, when he seizes it, will
fulfill his mission-a mission for which he is uniquely qualified. In
that moment, he finds greatness. It is his finest hour."
-- Winston Churchill, British prime minister
"When you get into a tight place and everything goes against you till it
seems you could not hold on a minute longer, never give up then, for
that is just the place and time that the tide will turn."
-- Harriet Beecher Stowe, author
"I have always found that if I move with 75% or more of the facts, I
usually never regret it. It's the guys who wait to have everything
perfect that drive you crazy."
-- Lee Iacocca, executive
"All who have accomplished great things have had a great aim and have
fixed their gaze on a goal that is high--one that sometimes seems
impossible."
-- Orison Swett Marden, Motivational Writer
"The rung of a ladder was never meant to rest upon, but only to hold a
man's foot long enough to enable him to put the other somewhat higher."
-- Thomas Huxley, Biologist
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Monday, March 21, 2011
Daily Quotes March 21, 2011!
Daily Quotes March 21, 2011!
"Learn to see in another's calamity the ills that you should avoid."
-- Thomas Jefferson, third U.S. president
"Without the element of uncertainty, the bringing off of even the
greatest business triumph would be dull, routine and eminently
unsatisfying."
-- J. Paul Getty, industrialist
"When you innovate, you've got to be prepared for everyone telling you
you're nuts."
-- Larry Ellison, entrepreneur
"The man who gets the most satisfactory results is not always the man
with the most brilliant single mind, but rather the man who can best
coordinate the brains and talents of his associates."
-- Alton Jones, industrialist
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"Learn to see in another's calamity the ills that you should avoid."
-- Thomas Jefferson, third U.S. president
"Without the element of uncertainty, the bringing off of even the
greatest business triumph would be dull, routine and eminently
unsatisfying."
-- J. Paul Getty, industrialist
"When you innovate, you've got to be prepared for everyone telling you
you're nuts."
-- Larry Ellison, entrepreneur
"The man who gets the most satisfactory results is not always the man
with the most brilliant single mind, but rather the man who can best
coordinate the brains and talents of his associates."
-- Alton Jones, industrialist
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Thursday, March 17, 2011
Daily Quotes March 17, 2011!
Daily Quotes March 17, 2011!
"I contend that not only can you laugh at adversity, but it is essential
to do so if you are to deal with setbacks without defeat."
-- Allen Klein, businessman
"It's better to be boldly decisive and risk being wrong than to agonize
at length and be right too late."
-- Marilyn Kennedy, leadership coach
"The greatest test of courage is to bear defeat without losing heart."
-- Robert Ingersoll, orator
"Education comes from within; you get it by struggle and effort and thought."
-- Napolean Hill, author
"No one's happiness but my own is in my power to achieve or to destroy."
-- Ayn Rand, writer
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"I contend that not only can you laugh at adversity, but it is essential
to do so if you are to deal with setbacks without defeat."
-- Allen Klein, businessman
"It's better to be boldly decisive and risk being wrong than to agonize
at length and be right too late."
-- Marilyn Kennedy, leadership coach
"The greatest test of courage is to bear defeat without losing heart."
-- Robert Ingersoll, orator
"Education comes from within; you get it by struggle and effort and thought."
-- Napolean Hill, author
"No one's happiness but my own is in my power to achieve or to destroy."
-- Ayn Rand, writer
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Wednesday, March 9, 2011
Daily Quotes March 9, 2011!
Daily Quotes March 9, 2011!
"Difficulties are things that show a man's nature."
-- Epictetus, philosopher
"You can't do it unless you can imagine it."
-- George Lucas, director
"Hope is a vigorous principle; it sets the head and heart to work, and
animates a man to do his utmost. It makes a seeming impossibility give
way."
-- Jeremy Collier, critic
"No one can make you feel inferior without your consent."
-- Eleanor Roosevelt
"One might think that the money value of an invention constitutes its
reward to the man who loves his work. But speaking for myself, I can
honestly say this isn't so... I continue to find my greatest pleasure,
and so my reward, in the work that precedes what the world calls
success."
-- Thomas Edison, inventor
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"Difficulties are things that show a man's nature."
-- Epictetus, philosopher
"You can't do it unless you can imagine it."
-- George Lucas, director
"Hope is a vigorous principle; it sets the head and heart to work, and
animates a man to do his utmost. It makes a seeming impossibility give
way."
-- Jeremy Collier, critic
"No one can make you feel inferior without your consent."
-- Eleanor Roosevelt
"One might think that the money value of an invention constitutes its
reward to the man who loves his work. But speaking for myself, I can
honestly say this isn't so... I continue to find my greatest pleasure,
and so my reward, in the work that precedes what the world calls
success."
-- Thomas Edison, inventor
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Friday, March 4, 2011
For the week of February 28, 2011
For the week of February 28, 2011
INFO THAT HITS US WHERE WE LIVE
Market Update
Things do keep changing, but we all hope that by and large those changes mean progress. We certainly saw evidence of that in the housing market last week, as Existing Home Sales headed up in January for the third month in a row. They've now reached a 5.36 million annual rate, close to the long-term trend of 5.5 million and up over 5% from a year ago. This, as Martha Stewart says, is "a good thing," since the supply of existing homes has now dropped to 7.6 months, close to the 6-month ideal, which favors neither buyers nor sellers.
The Case-Shiller home price index for the 20 largest metros was down in December, its sixth straight monthly decline since the tax credit ended. The media seemed thrilled to announce a "double dip" in housing prices, probably because they've been unable to use their "double dip" catch phrase for anything else. The facts, as usual, tell another story. Case-Shiller was down just 2.4% for the year, its smallest drop since the 2006 price peak. And some observers anticipate modest price gains this year. New Home Sales did fall 12.6% in January, which may have been due to the bad weather, though sales were up in the Northeast and Midwest and down in the West and South. Go figure. Inventories are now at their lowest level since 1967.
BUSINESS TIP OF THE WEEK...Targeting is a powerful business strategy. Don't try to be all things to all people. Pick a niche. The secret to broadening your appeal often lies in narrowing your focus.
Review of Last Week
BULLS TAKE A BREATHER...Everyone on Wall Street had Presidents Day off Monday but the bulls never really showed up for work the rest of the week either. Well, bulls did stage a bit of a comeback on Friday, but it wasn't enough to bring stock prices up to where they were the week before. So after three weeks of charging higher, the markets fell off, as all three major indexes went south for the week.
The Middle East continues to trouble investors, with Libya the latest focal point for that region's violent uprisings. There was a sympathetic jump in oil prices, never a good development for our economy, and the week ended with the second estimate for Q4 GDP revised DOWN to a 2.8% growth rate from the original 3.2%. Weighing in against these negatives, the latest Consumer Confidence Report showed people's attitudes about the economy are actually growing more upbeat. The Richmond Fed index showed robust manufacturing growth in the important mid-Atlantic region. And initial jobless claims went below 400,000 for the week, while continuing claims remain under 4 million.
For the week, the Dow ended down 2.1%, at 12,130; the S&P 500 was down 1.7%, to 1,320; and the Nasdaq was off 1.9%, ending at 2,781 .
Bond prices benefited from both increased tensions in the Middle East and the drop in GDP. The flight to safety helped the FNMA 4.0% bond we watch end decidedly up for the week, closing at $98.17. Mortgage rates eased a tad lower again. Freddie Mac's weekly survey of conforming mortgages showed national average fixed-rate mortgage rates staying down near historic lows.
DID YOU KNOW?...Mortgage interest rates are based on Mortgage Backed Securities (MBS), also called mortgage bonds. When bond prices go up, mortgage rates go down, but when bonds drop, rates rise.
This Week’s Forecast
STEADY AS SHE GOES...This week there's a wide range of economic news, but it's all expected to be a bit bland. Core PCE Prices, the Fed's favorite inflation measure, should drift up a little, but stay well within the target range. The ISM and Chicago PMI indexes are forecast to show manufacturing growing, though at no faster a rate. Pending Home Sales, a measure of signed contracts for closings a few months out, should be down a bit in December after being up a bit the previous month. Q4 Productivity is expected to hold steady.
The big news of course will be the February Employment Report come Friday. But again, steady progress is predicted, not the dramatic boost in jobs we need. With 180,000 new jobs forecast, the unemployment rate will actually inch up because of workforce expansion.
The Week’s Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Federal Reserve Watch
Forecasting Federal Reserve policy changes in coming months...There are more rumblings about inflation, which could send the Fed Funds Rate heading north, but not while the jobs recovery is proceeding at such a snail's pace. For the first half of the year, economists think there is virtually zero likelihood of a rate hike from the Fed. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.
All "Betts" on Brian! The Only Realtor you Want!
INFO THAT HITS US WHERE WE LIVE
Market Update
Things do keep changing, but we all hope that by and large those changes mean progress. We certainly saw evidence of that in the housing market last week, as Existing Home Sales headed up in January for the third month in a row. They've now reached a 5.36 million annual rate, close to the long-term trend of 5.5 million and up over 5% from a year ago. This, as Martha Stewart says, is "a good thing," since the supply of existing homes has now dropped to 7.6 months, close to the 6-month ideal, which favors neither buyers nor sellers.
The Case-Shiller home price index for the 20 largest metros was down in December, its sixth straight monthly decline since the tax credit ended. The media seemed thrilled to announce a "double dip" in housing prices, probably because they've been unable to use their "double dip" catch phrase for anything else. The facts, as usual, tell another story. Case-Shiller was down just 2.4% for the year, its smallest drop since the 2006 price peak. And some observers anticipate modest price gains this year. New Home Sales did fall 12.6% in January, which may have been due to the bad weather, though sales were up in the Northeast and Midwest and down in the West and South. Go figure. Inventories are now at their lowest level since 1967.
BUSINESS TIP OF THE WEEK...Targeting is a powerful business strategy. Don't try to be all things to all people. Pick a niche. The secret to broadening your appeal often lies in narrowing your focus.
Review of Last Week
BULLS TAKE A BREATHER...Everyone on Wall Street had Presidents Day off Monday but the bulls never really showed up for work the rest of the week either. Well, bulls did stage a bit of a comeback on Friday, but it wasn't enough to bring stock prices up to where they were the week before. So after three weeks of charging higher, the markets fell off, as all three major indexes went south for the week.
The Middle East continues to trouble investors, with Libya the latest focal point for that region's violent uprisings. There was a sympathetic jump in oil prices, never a good development for our economy, and the week ended with the second estimate for Q4 GDP revised DOWN to a 2.8% growth rate from the original 3.2%. Weighing in against these negatives, the latest Consumer Confidence Report showed people's attitudes about the economy are actually growing more upbeat. The Richmond Fed index showed robust manufacturing growth in the important mid-Atlantic region. And initial jobless claims went below 400,000 for the week, while continuing claims remain under 4 million.
For the week, the Dow ended down 2.1%, at 12,130; the S&P 500 was down 1.7%, to 1,320; and the Nasdaq was off 1.9%, ending at 2,781 .
Bond prices benefited from both increased tensions in the Middle East and the drop in GDP. The flight to safety helped the FNMA 4.0% bond we watch end decidedly up for the week, closing at $98.17. Mortgage rates eased a tad lower again. Freddie Mac's weekly survey of conforming mortgages showed national average fixed-rate mortgage rates staying down near historic lows.
DID YOU KNOW?...Mortgage interest rates are based on Mortgage Backed Securities (MBS), also called mortgage bonds. When bond prices go up, mortgage rates go down, but when bonds drop, rates rise.
This Week’s Forecast
STEADY AS SHE GOES...This week there's a wide range of economic news, but it's all expected to be a bit bland. Core PCE Prices, the Fed's favorite inflation measure, should drift up a little, but stay well within the target range. The ISM and Chicago PMI indexes are forecast to show manufacturing growing, though at no faster a rate. Pending Home Sales, a measure of signed contracts for closings a few months out, should be down a bit in December after being up a bit the previous month. Q4 Productivity is expected to hold steady.
The big news of course will be the February Employment Report come Friday. But again, steady progress is predicted, not the dramatic boost in jobs we need. With 180,000 new jobs forecast, the unemployment rate will actually inch up because of workforce expansion.
The Week’s Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Federal Reserve Watch
Forecasting Federal Reserve policy changes in coming months...There are more rumblings about inflation, which could send the Fed Funds Rate heading north, but not while the jobs recovery is proceeding at such a snail's pace. For the first half of the year, economists think there is virtually zero likelihood of a rate hike from the Fed. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.
All "Betts" on Brian! The Only Realtor you Want!
10 Reasons Renters Should Be Buyers
10 Reasons Renters Should Be Buyers
Renting is a very frustrating way of life. The money you pay every month disappears, leaving you with few benefits other than a roof over your head. Compared to owning a home, renting is a futile exercise that leaves you with nothing after your lease is up. It’s no surprise that people want to get out of the rent race, and here are 10 reasons why people decide to buy a home versus renting.
1. They Want to Build Equity
Homebuyers build equity as their property increases in value over time. This equity has many benefits, including the ability of a homebuyer to leverage equity in lines of credit to make repairs or additions to their home. Equity is a powerful thing and a natural consequence of home ownership. Renters never gain equity in their rental space, and at the end of their lease they are thrown out on the street with nothing to show for years of on time rental payments.
2. They Don’t Want to Throw Their Money Away
Without equity, what does paying your rent on time gain you every month? The truth is that paying rent guarantees a roof over your head for about 30 days and nothing more. In that sense, renting is like an extended stay hotel in that at the end of your rental period or lease you have nothing to show for the money you’ve paid. This makes renting a terrible investment when compared to home buying.
3. They Want More Space
It’s incredible how little you get for your rental payment each month. Most renters are lucky to have even a tiny balcony, let alone roomy closets o storage space. Many homes come with luxurious yards and spacious garages for storage. This makes buying a home an attractive option for those who prefer to stretch their legs.
4. They Want to Make Upgrades
Most leases forbid the renter from altering the rental space. For those do it yourselfers, this can mean a boring living experience. Home buyers are not only allowed to make upgrades, but doing so can be a great investment and raise the overall value of your home. From an investment perspective, this is a no brainer.
5. They Don’t Want to Pay Extra to Own Pets
For those pet lovers out there, renting can be a major financial undertaking. Pet deposits can be very expensive, and some apartments add a monthly premium to rent just for having a pet, and separate deposits/premiums for each pet. These fees can add up fast! Homebuyers don’t have to deal with these sorts of fees, and they can also typically provide a better environment for their pets as well.
6. They Don’t Want to Be So Close to Noisy Neighbors
Have you ever lived on the second floor of a 3 story apartment complex? Wild partiers underneath blaring music at 4AM and home fitness gurus doing jumping jacks above you can make you realize just how annoying living so close to your neighbors can be. Homebuyers can sometimes deal with annoying neighbors as well, but at least they’re not rattling your chandelier when they stomp their feet down the hallway.
7. They Don’t Want to Deal With a Landlord
Sometimes dealing with a landlord can be tough. Some landlords are not very friendly or flexible, and won’t hesitate to throw you on the street if rent isn’t on time. Other landlords can be so distant that problems with rent or appliances don’t get resolved for months or even years. As a homeowner, there’s no landlord to deal with and you have the freedom and independence of conducting business on your own terms.
8. Their Hobbies Make Renting a Bad Idea
Drummers and musicians need a place to live, but do you want them living above you in a cramped apartment complex? For those renters who have hobbies or professions that are noisy or require space, renting just isn’t an option for them. Owning a home with plenty of space is their only way to go.
9. They Don’t Want to Deal With Deposits
Security deposits? These never seem to work out in the renters favor and come moving time it always seems like every little problem leads to forfeiture of the sometimes huge security deposits we have to pay just to sign the lease. Home buyers don’t have to deal with this as their home is more closely tied to their assets and their individual independence.
10. They Want to Live the American Dream
Owning a home is a big part of the American dream, and most people would say that the independence, autonomy, and sense of accomplishment that owning a home brings is an essential part of the American way of life. Does renting an apartment do the same?
If this sounds like you then click the link below and start your search!
All "Betts" on Brian! The Only Realtor you Want!
Renting is a very frustrating way of life. The money you pay every month disappears, leaving you with few benefits other than a roof over your head. Compared to owning a home, renting is a futile exercise that leaves you with nothing after your lease is up. It’s no surprise that people want to get out of the rent race, and here are 10 reasons why people decide to buy a home versus renting.
1. They Want to Build Equity
Homebuyers build equity as their property increases in value over time. This equity has many benefits, including the ability of a homebuyer to leverage equity in lines of credit to make repairs or additions to their home. Equity is a powerful thing and a natural consequence of home ownership. Renters never gain equity in their rental space, and at the end of their lease they are thrown out on the street with nothing to show for years of on time rental payments.
2. They Don’t Want to Throw Their Money Away
Without equity, what does paying your rent on time gain you every month? The truth is that paying rent guarantees a roof over your head for about 30 days and nothing more. In that sense, renting is like an extended stay hotel in that at the end of your rental period or lease you have nothing to show for the money you’ve paid. This makes renting a terrible investment when compared to home buying.
3. They Want More Space
It’s incredible how little you get for your rental payment each month. Most renters are lucky to have even a tiny balcony, let alone roomy closets o storage space. Many homes come with luxurious yards and spacious garages for storage. This makes buying a home an attractive option for those who prefer to stretch their legs.
4. They Want to Make Upgrades
Most leases forbid the renter from altering the rental space. For those do it yourselfers, this can mean a boring living experience. Home buyers are not only allowed to make upgrades, but doing so can be a great investment and raise the overall value of your home. From an investment perspective, this is a no brainer.
5. They Don’t Want to Pay Extra to Own Pets
For those pet lovers out there, renting can be a major financial undertaking. Pet deposits can be very expensive, and some apartments add a monthly premium to rent just for having a pet, and separate deposits/premiums for each pet. These fees can add up fast! Homebuyers don’t have to deal with these sorts of fees, and they can also typically provide a better environment for their pets as well.
6. They Don’t Want to Be So Close to Noisy Neighbors
Have you ever lived on the second floor of a 3 story apartment complex? Wild partiers underneath blaring music at 4AM and home fitness gurus doing jumping jacks above you can make you realize just how annoying living so close to your neighbors can be. Homebuyers can sometimes deal with annoying neighbors as well, but at least they’re not rattling your chandelier when they stomp their feet down the hallway.
7. They Don’t Want to Deal With a Landlord
Sometimes dealing with a landlord can be tough. Some landlords are not very friendly or flexible, and won’t hesitate to throw you on the street if rent isn’t on time. Other landlords can be so distant that problems with rent or appliances don’t get resolved for months or even years. As a homeowner, there’s no landlord to deal with and you have the freedom and independence of conducting business on your own terms.
8. Their Hobbies Make Renting a Bad Idea
Drummers and musicians need a place to live, but do you want them living above you in a cramped apartment complex? For those renters who have hobbies or professions that are noisy or require space, renting just isn’t an option for them. Owning a home with plenty of space is their only way to go.
9. They Don’t Want to Deal With Deposits
Security deposits? These never seem to work out in the renters favor and come moving time it always seems like every little problem leads to forfeiture of the sometimes huge security deposits we have to pay just to sign the lease. Home buyers don’t have to deal with this as their home is more closely tied to their assets and their individual independence.
10. They Want to Live the American Dream
Owning a home is a big part of the American dream, and most people would say that the independence, autonomy, and sense of accomplishment that owning a home brings is an essential part of the American way of life. Does renting an apartment do the same?
If this sounds like you then click the link below and start your search!
All "Betts" on Brian! The Only Realtor you Want!
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