This was a worthy e-mail that was delivered to me.
Never thought of this.......This lady has changed her habit of how she lists her names on her mobile phone after her handbag was stolen. Her handbag, which contained her cell phone, credit card, wallet... etc... was stolen.20 minutes later when she called her hubby, from a pay phone telling him what had happened, hubby says, 'I received your text asking about our Pin number and I've replied a little while ago.'When they rushed down to the bank, the bank staff told them all the money was already withdrawn. The thief had actually used the stolen cell phone to text 'hubby' in the contact list and got hold of the pin number. Within 20 minutes, he had withdrawn all the money from their bank account.Moral of the lesson: Do not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad, Mom, etc.... And very importantly, when sensitive info is being asked through texts, CONFIRM by calling back.
Also, when you're being sent text messages by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them.
If you don't reach them, be very careful about going places to meet family and friends' who text you.PLEASE PASS THIS ON!!!
I never thought about THAT! As of right now, I no longer have 'home' named on my cell.
The panic and fear within the American public has apparently expanded across the globe. The American media has notified the general public, on a regular basis, about the sequential affects the mortgage crisis has had on other categories of industry within the global, corporate structure. Many of our favorite retail stores are closing after the 2008 holiday season. Large corporations are publicly announcing significant amounts of layoffs within their workforce. Some or the largest financial institutions in this country have disappeared, but not before large bonuses were distributed to the top executives. Fuel cost rise to record high levels. The talk of tax increases are actually spoken about within our country's largest election. More importantly, our country has agreed that this is the direction that we should go.
The government has printed money to purchase debt, already classified to be a loss. The powerful impact of this financial bailout, by our American government, happen so very quickly. It was similar to a massive government agreement that our country was at war on the home front and had to act quickly. The defensive posture of our government, had no time for any filibusters or debate. It was a swift and decisive move made on our behalf with our country's future financial obligation. Is anyone really sure where the money went? In fact, is anyone paying attention as to who owns the companies that our American government purchased this massive book of "bad debt" from?
Perhaps, the tail just waged the dog and the dog is still running in circles.
If foreign countries are the largest investors in the American government bond market such as Fannie Mae's, than is it reasonable to assume that foreign companies are the predominate beneficiary of this bailout. Sort of like a blackmail situation, by foreign companies and countries? Now, after the extortion has been completed, we are being told that if we did not provide these funds, the situation would of been even worst today. The only problem so far appears to be that the banks and lending institutions have not relinquished their willingness to feed our economy with any of the money that we just agreed to give them. Perhaps, it is our hope that these foreign financial institutions will now be satisfied and eventually begin to do business with the average American "Joe" again.
Or, did it just keep the bullies away for a short period of time?
No, it only took less than 30 days before, new bullies heard about the weakness of the American government and they decided that they too should make their attempt to blackmail the American people. Now, it is some of our largest American Corporations, stating that they will lay off and close a significant amount of American workers if the American government does not make money available for them. If you have never been bullied on a one on one basis or by a group of thugs during your younger years, than at least draw from your assumptions from other stories that you may have heard. The bully does not go away until you stand up to them and say NO.
If our government assist this new group of bullies, than when will the American Government stand up and say that we no longer have any lunch money to give?
Has anyone noticed that the fuel prices have SIGNIFICANTLY dropped. Automobile gasoline is now $1.69 versus $4.05, less than six months ago. This is almost a 60% drop! Maybe the fuel suppliers have assisted in the election process of our new President, without running any advertisements. In fact, is anyone aware of who owns (controls) the fuel companies?
During my observation of the many gasoline stations that I pass throughout the day, I do not notice ANY lines to purchase gasoline. Almost like everyone expects that the prices will now stay in the current range. Why is that, just six months ago, if a station was selling gasoline for $2.99 there would of been lines. Have we not learned that the gasoline prices can increase by 60% just as quickly as they have decreased? And for those automobile makers that promised to pay for the new customer's gasoline if it exceeded over $2.99 per gallon, in lieu of a rebate or discount in their automobile purchase. At least in the current and short period of time, it appears that those new customers have been taken advantage of and perhaps the automobile makers can ask for that much less from the govermment.
Maybe the tail of the dog knows the dog better than the dog itself.
Perhaps the real enemy to the American Way of life is in fact those that control the gold. Have you ever heard of the saying? "Whoever has the gold makes the rules" If this is so rational and true, than who or what exactly is the entity that controls the wealth (the gold). Follow the money and you will always find the power. And we know that power is the basis of many wars.
Just to get some thoughts off my chest.
Our services can assist you in obtaining a logical and credible analysis of your potential market value of any residential dwelling. During your time of need, it may be important to not only understand the potential of maximizing your homes value, but it may be just as important to be informed upon the market activity around you.
As a young Realtor, many years ago, I was told by one of my mentors that "Price sells everything". This short and somewhat obvious statement, really means so much more. People buy and sell real estate properties for a very wide variety of reasons. Some are in distress, some is with hope, but regardless of the driving emotions, it is important to evaluate one of your most valuable assets with a credible analysis. An appraiser can evaluate the property and carefully review the market trends and data within the competing area to determine the markets perception of value for your property.
An appraiser can deliver the findings of the analysis in a clear format that can assist you in making some wise decisions. For example: an appraiser should be able to inform you of the highest price point that the most current market appears to bear for your property. The appraiser can deliver the expected period of time it is going to take to complete such a transaction. But, if you decide you are in need of making the transaction happen as quick as possible, the appraiser should be able to inform you of the lowest point the market has paid for such a property and the amount of time that it took to complete a quick sale transaction. There are many variables to consider, but with a complete analysis, based upon the guidelines of the assignment, an appraiser can help you with your expectations and assist you with a plan of action. Having a plan of action coupled with a marketing strategy can not only maximize your goals but it can sooth the stress that is very often associated with a real estate transaction.
Have you ever set a price to sell a particular item only to see it sell very fast? In fact so fast that you begin to wonder, did I just get taken. Well keep in mind that time is money and money is time. What I mean by this is if you have 6 months to complete a sale of your existing home and the purchase of your next home, and the current market says it is taking 60 days to sell your home, than you have time to maximize your offering price and not necessarily be in need of taking the first offer that is below your asking price. On the other hand if you have to move right away, because you have been transferred to another city and the school year begins in 60 days, than you need to start your offering price below the higher offering prices of similar transactions.
You need to fist understand your needs and not the needs of others. Be careful to evaluate your position within the competing market and correlate it with the needs or expectations of your time schedule. If you rely upon others to make all of your decisions, than you just might not be maximizing the potential market value of your real estate transaction.
Think about this, have you ever seen $1,000 or $5,000 spoken about in your normal weekly life with such irrelevance as you do when your negotiating a real estate deal?
If you knew that the most current market was willing to pay $100,000 to $105,000 for a residential dwelling similar to yours, would you be willing to take $99,000?
Obviously this will most likely depend on many other factors. But, you can see how the use of a $250 - $400 appraisal can keep you focused on maximizing each and every additional $1,000.
To speak to a Missouri Certified Residential Appraiser - call 636-240-5853 or email me at john@approvedappraisal.net
John Wayne Glasener
Approved Appraisal Inc
As an appraiser, that evaluates neighborhood trends, regarding market values, I have not identified any true declining market values. Some obvious indications that have been identified is that the number of transactions has declined in most areas and the amount of time to complete a successful settlement (sale) has increased. However, the overall supply and demand appears to be mostly in balance in most evaluations that I have encountered within the past 12 months.
So, stand up to those that are telling you that the sky is falling. In most cases, in the St. Louis metro area, we continue to experience increasing market values. The percentage may be slight, but it is not in decline.
Foreclosures appear to have increased and not necessarily in any particular area. However, some areas have a higher volume of foreclosures than others.
Maintained Real Estate continues to be a good investment for primary housing purchased. As an investors, a larger amount of opportunities have been exposed due to the increased foreclosure numbers.
So, get a hold of your Realtor and get looking.
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