Fannie Mae is offering a 3.5% incentive for buyers who purchase and close on a Fannie Mae-owned home between January 28 and April 30, 2010. Buyers purchasing properties listed on HomePath.com that are closed within this period may receive up to 3.5% of the final sales price for:
· Closing costs;
· The purchase of new Whirlpool® appliances by Fannie Mae; or
· A mix of closing costs and appliances, at the buyer's discretion, up to the maximum 3.5%.
To be eligible for this incentive:
· Offers must be accepted on or after January 28, 2010;
· Property sales must close before May 1, 2010, and;
· Buyers must be owner-occupants (investors are excluded).
The incentive reinforces the organization's commitment to stabilizing communities and assisting buyers. For more information about this incentive, visit www.HomePath.com, read the press release on fanniemae.com, or contact a Fannie Mae listing broker.
Click her for Fannie Mae in Maricopa County http://bit.ly/awGxZ4
Thursday, January 28, 2010
Tuesday, January 26, 2010
Standardized Short Sale Process Will Benefit All Parties
http://realtytimes.com/rtpages/20100126_shortsale.htm
Thursday, January 21, 2010
Loan Modifications and Principal Reduction
Check out http://www.naca.com/
They have been 80% successful due to their connections and political weight
They have been 80% successful due to their connections and political weight
Wednesday, January 20, 2010
Tuesday, January 19, 2010
Top Tips to Time Management
http://www.brokeragentsocial.com/article.php?article_id=635
Does this ring true for you? Real Estate Agents are challenged in dealing with time. Prospecting, Marketing, Service, E-mails, Phone Calls, Appointments, Paperwork, the list go on and on. Here are top tips to help you manage your time better.
1. Schedule chunks instead of activities. Schedule a chunk of time each day to make and return calls, a chunk of time one day a week to do all of your web update work.
Chunk your service, your ad writing, and your marketing. Here is the rule. If you spend a total of more than thirty minutes per week on an activity, schedule a chunk of time on specific days every week for that activity.
2. Priority Days. For one hour at the beginning of each day focus on the following priorities. In our Daily Coaching Program Mondays and Tuesdays are prospecting days. Wednesdays are marketing, web, print, mail etc. Thursdays are for service to listed Sellers and pending Clients. Fridays are for planning, what we call a leadership day. This structure manages your time, organizes your activities and leverages the opportunity to take big chunks of time or full days off on the weekend with more peace of mind and confidence.
3. Emotional Fitness. We all have a pre-work dance. That is, activities that we love to do right before we are going to get to work. Get coffee. Check e-mails, Twitter, Active Rain, etc. Play solitaire. Clear your desk. So, become conscious of your pre-work dance and work to break the cycle of unproductive time. Just as you are about to “dance,” pause. Sit up straight or stand up. Smile, even laugh at yourself because you know what you would normally do. But this time, picture how your day is going to go. Picture what you want to accomplish and how you are going to accomplish it immediately. And get back into action. No one thing can make you more productive than interrupting your pre-work dance and getting back into action more quickly.
4. Prioritize your activities and phone calls. Always, do the toughest ones first. Do the one thing that you have been procrastinating over, first. That thing often holds you back, slows you down, damages your motivation, your focus, even your confidence. Make the tough phone calls first. Tackle the tough job first. They are often not as tough as anticipated. But they get tougher as you delay them, don't they?
5. Action motivates. If you're feeling a little bit lazy but you know you have things to accomplish, action motivates. Get yourself off the couch, off the chair, take the first step, make the first call, respond to that tough e-mail, or get in the car. Take the first action. Action motivates.
6. Use the 4 D method for prioritizing paperwork.
Do it immediately if it can be done in 20 seconds or less.
Delegate it if you can hand it off to somebody else.
Delay it if you are not going to do it right now. Schedule a time in your calendar to get back to it. It may be delayed to one of the time chunks mentioned above.
Dump it. It is best to do this one more than the others.
7. Cluster your activities. Cluster all the things needed to be done at your office. Cluster your travel. Take a few minutes, literally, just 2 or 3 minutes at the beginning of the day and before you walk out the door to look at your calendar. Perhaps you will have to make a phone call or two to rearrange your schedule. Maybe you will ask someone else to be available sooner or later. Do that. So that your use of time makes more sense. As you commit to this it becomes habitual. In addition to saving a tremendous amount of time clustering your activities can relieve a lot of pressure, provide a wonderful sense of self-control, and give you the freedom and the opportunity for greater success.
8. Just say no. Oooh, this one is very hard for some people. If it is hard for you then simply learn to apologize profusely… and then say no. Try these scripts. “Wow, I really want to do that for you. And I really would. Only it is killing me to put other people’s requests above my priorities. So, I am really, really sorry... but, no.”
9. Schedule time off. Give yourself permission to do nothing or do something you love to do. Even just sit in front of the TV. Read a book. Lay in the sun. Go for a walk. Exercise. Spend time with family. Sleep in late. Give yourself permission to do nothing. You need that time. You need that energy. Giving yourself this permission sends a strong message to your subconscious that you are in control of your time. This adds power to all of the other ideas above. Cross off one day each week, a half day, an evening, when you schedule absolutely nothing or something you love to do and make that personal time a must, an absolute priority. If necessary, arrange to have someone handle calls for you or check your emails. This time will truly make you more effective when you are working.
There are tons of systems, tools, and philosophies for managing time. These are the foundation, a few of the best ideas for addressing an Agent’s biggest complaint.
Time is what we want most, but... what we use worst.
~William Penn
Written by Rich Levin
Does this ring true for you? Real Estate Agents are challenged in dealing with time. Prospecting, Marketing, Service, E-mails, Phone Calls, Appointments, Paperwork, the list go on and on. Here are top tips to help you manage your time better.
1. Schedule chunks instead of activities. Schedule a chunk of time each day to make and return calls, a chunk of time one day a week to do all of your web update work.
Chunk your service, your ad writing, and your marketing. Here is the rule. If you spend a total of more than thirty minutes per week on an activity, schedule a chunk of time on specific days every week for that activity.
2. Priority Days. For one hour at the beginning of each day focus on the following priorities. In our Daily Coaching Program Mondays and Tuesdays are prospecting days. Wednesdays are marketing, web, print, mail etc. Thursdays are for service to listed Sellers and pending Clients. Fridays are for planning, what we call a leadership day. This structure manages your time, organizes your activities and leverages the opportunity to take big chunks of time or full days off on the weekend with more peace of mind and confidence.
3. Emotional Fitness. We all have a pre-work dance. That is, activities that we love to do right before we are going to get to work. Get coffee. Check e-mails, Twitter, Active Rain, etc. Play solitaire. Clear your desk. So, become conscious of your pre-work dance and work to break the cycle of unproductive time. Just as you are about to “dance,” pause. Sit up straight or stand up. Smile, even laugh at yourself because you know what you would normally do. But this time, picture how your day is going to go. Picture what you want to accomplish and how you are going to accomplish it immediately. And get back into action. No one thing can make you more productive than interrupting your pre-work dance and getting back into action more quickly.
4. Prioritize your activities and phone calls. Always, do the toughest ones first. Do the one thing that you have been procrastinating over, first. That thing often holds you back, slows you down, damages your motivation, your focus, even your confidence. Make the tough phone calls first. Tackle the tough job first. They are often not as tough as anticipated. But they get tougher as you delay them, don't they?
5. Action motivates. If you're feeling a little bit lazy but you know you have things to accomplish, action motivates. Get yourself off the couch, off the chair, take the first step, make the first call, respond to that tough e-mail, or get in the car. Take the first action. Action motivates.
6. Use the 4 D method for prioritizing paperwork.
Do it immediately if it can be done in 20 seconds or less.
Delegate it if you can hand it off to somebody else.
Delay it if you are not going to do it right now. Schedule a time in your calendar to get back to it. It may be delayed to one of the time chunks mentioned above.
Dump it. It is best to do this one more than the others.
7. Cluster your activities. Cluster all the things needed to be done at your office. Cluster your travel. Take a few minutes, literally, just 2 or 3 minutes at the beginning of the day and before you walk out the door to look at your calendar. Perhaps you will have to make a phone call or two to rearrange your schedule. Maybe you will ask someone else to be available sooner or later. Do that. So that your use of time makes more sense. As you commit to this it becomes habitual. In addition to saving a tremendous amount of time clustering your activities can relieve a lot of pressure, provide a wonderful sense of self-control, and give you the freedom and the opportunity for greater success.
8. Just say no. Oooh, this one is very hard for some people. If it is hard for you then simply learn to apologize profusely… and then say no. Try these scripts. “Wow, I really want to do that for you. And I really would. Only it is killing me to put other people’s requests above my priorities. So, I am really, really sorry... but, no.”
9. Schedule time off. Give yourself permission to do nothing or do something you love to do. Even just sit in front of the TV. Read a book. Lay in the sun. Go for a walk. Exercise. Spend time with family. Sleep in late. Give yourself permission to do nothing. You need that time. You need that energy. Giving yourself this permission sends a strong message to your subconscious that you are in control of your time. This adds power to all of the other ideas above. Cross off one day each week, a half day, an evening, when you schedule absolutely nothing or something you love to do and make that personal time a must, an absolute priority. If necessary, arrange to have someone handle calls for you or check your emails. This time will truly make you more effective when you are working.
There are tons of systems, tools, and philosophies for managing time. These are the foundation, a few of the best ideas for addressing an Agent’s biggest complaint.
Time is what we want most, but... what we use worst.
~William Penn
Written by Rich Levin
Sunday, January 17, 2010
CNBC – Big Banks, Short Sales, Kick Backs and Fraud MUST READ!
ANOTHER WOW! ARTICLE: Must read for ALL REAL ESTATE AGENTS. Unbelievable the arrogance of these banks and what they are trying to pull over and over and over again. http://www.jeremybrandt.com/cnbc-big-banks-short-sales-kick-backs-and-fraud/
Monday, January 11, 2010
In Valley, 80 mil square ft. of business space is vacant
According to this article commercial lease rates have been declining. Supply and demand theory. Obviously they are not low enough. Sad. One note to make, the comments left after the article are entertaining to read. :) http://www.azcentral.com/community/phoenix/articles/2010/01/10/20100110biz-commercialdata0111.html?source=nletter-news
Friday, January 8, 2010
MagicJack's next act: disappearing cell phone fees
http://tech.yahoo.com/news/ap/us_tec_gadget_show_magicjack
I have been using a magicjack for about 4 years now and love it! I even gave one to my babysitter's husband who was deployed to Iraq. They were able to talk for free to each other. This will be very fascinating to see how the cell phone carriers attack this new threat from magicjack.
I have been using a magicjack for about 4 years now and love it! I even gave one to my babysitter's husband who was deployed to Iraq. They were able to talk for free to each other. This will be very fascinating to see how the cell phone carriers attack this new threat from magicjack.
Commercial Foreclosures Next Wave of Foreclosure Litigation
I find it interesting that rental rates are still so high. If everyone knows this is the next wave to hit the real estate market isn't some cash flow better than none. Is a new tenant more likely to rent in a complex with additional tenant occupancy for foot traffic than one that looks abandoned. I do not understand the high rental rates which causes high vacancies. There are businesses that are doing well in this economy and expanding, especially here in the West Valley but commerical rates do not appear to be coming down despite all the trending signs. My expertise is not in commercial so I wish someone would educate me. Just not getting it.
http://realtytimes.com/rtpages/20100108_comm.htm
http://realtytimes.com/rtpages/20100108_comm.htm
Thursday, January 7, 2010
Just Earned My MSSC Designation!
:) BIG GRIN!! Just earned my MSSC designation. "Master Short Sale Consultant". I would also like to send out big kudos to my partner Frances Contreras for earning her designation as well this week. You must complete/successfully close 3 short sale transactions as a listing agent and pass exam to earn the designation.
http://hstrial-dmontgomery359.homestead.com/index.html
http://hstrial-dmontgomery359.homestead.com/index.html
Wednesday, January 6, 2010
Quote of the Day from my Email
Daily Message - "The most I can do for my friend is simply to be his friend. I have no wealth to bestow on him. If he knows that I am happy in loving him, he will want no other reward. Is not friendship divine in this?" Henry David Thoreau
I need to empty my mind
Ok, too much ice tea at dinner and my mind is racing now. Feeling the need to expend some of the mental train of thoughts.
Looking to the future, what do I see?
Based on trends, short sales began in 2006. At least that is when I did my first one. What a challenge. Soft water system company placed a lien on the property after non payment by the homeowner. Had to negotiate that settlement before closing. Who would think that something that minor would be such a huge problem. Ok, I drifted there. Focus.
The people who sold their home short in 2006 could be returning to the market in 2010 depending on how their credit is looking. Remember my 2006 clients, it did not hurt their credit one bit. They purchased another home in 2007. Short sales for the most part however became dominate in the mid 2008 and 2009. Over the next few years I do believe that those who successfully sold their home short will be returning to purchase a home while prices are low. This is a good thing.
Now, knowing that previously only 20% of all short sales were successful that leaves a whole lot of people who were not. Most of the homes have been and will be foreclosed on unless President Obama really steps in and does something miraculous and brilliant other than throwing money at a not meaningful program (really I feel its a smoke screen to buy him some time to finance this mess).
Off the subject and train of thought for another moment. Seriously, I believe all of these modifications are just a band aid. Most modifications consists of rate reductions and not principal reductions which means these people are still going to be under water or break even "MAYBE" in 10 years. I can already tell you that by human nature most of these homeowners will have something occur in their life which will require them to move. And guess what, they will still have to short sale their home and the banks will still continue to report losses. The government will be subsidizing these banks with payoffs until this all plays out its normal life cycle. In the meantime and in my opinion, the government wants banks to modify so they can slowly pay off these banks over time. The longer this plays out, the longer the government has to finance the banks for their loses and the less they will have to pay out assuming prices gradually rise over time going forward). Again, I am picturing those traffic control lights getting on the freeway. They keep traffic from bottlenecking on the freeway. Loan modifications are the governments way of putting traffic control lights on the financial liability freeway of mortgage loses. I bet the government already knows that a majority of these modifications will end in foreclosure. Can you imagine the financial burden if they just let everyone foreclose now. Talk about great depression. But if the government was really honest and told you their plan, most people would say "screw it", walk away from their home and rent and still save some cash above/over paying the modified payment. Loan modifications in most cases are a false sense of hope....I stress in most cases and in my opinion.
Ok, back to subject (btw, I must say "ok" a lot because my daughter was mocking me in the car this evening while I was on the phone, "Ok, Okay, OOOOkay!", now I am picturing Joe Pesci in Lethal Weapon who said that all the time)
oh yeah, where are we headed? If I wanted to turn this economy around, the first thing I would do would be to get all these people who ruined their credit with short sales and/or foreclosures to buy another home again (under the right lending criteria this time). The sooner we get a majority of the public back into homes, the sooner they will start buying new furniture, landscaping, cars, Walmart.... The longer they rent, the less they spend on durable goods. All the investors that have bought properties over the last year will start flipping them as demand will increase. Investors make money, they buy more homes. They buy more homes: Realtors, title companies, mortgage companies, appraisers, homes inspectors all make more money. They all make more money and so the cycle has a new breath of life blow into its financial windpipes.
If you really want to get me started I could tell you my feelings on how the new immigration laws that took effect 2 years ago only contributed to this housing market and economic crises. I know it costs billions to support them but what people didn't realize is that these illegal immigrants were/are hard workers for minimum wage. Most paid taxes and contributed to the social security system (granted they used false social security numbers to gain employment) but never claimed the refunds. They paid into social security, they purchased goods and services, they ate at restaurants, they bought houses, lots of houses. Yes they also brought crime, abuse to welfare and health care system but somehow I do not feel that the cost of these abuses is anywhere the cost of the S&L crises, Enron, and now the Housing Market Crash by lenient lending guidelines allowed by .... (put whatever political party you want to blame here). Seriously, this last one is a doozy that will affect us for many more years. Will there ever be a way to calculate its true cost to the American people. Now the illegal immigrants that are remaining are still milking the welfare and health care system, but their spouses/significant others can not work to offset the cost or fund my retirement for social security (yes, I am being optimistic that it will be there for me) or their abuses so now it is really costing us the taxpayers money. Brilliant plan. I am so glad somebody really calculated the logic and cost of passing the illegal immigration law. Immigration is just another way for the politicians to snub a part of society by taking the focus off the knife they are putting behind our backs while robbing us blind., hands in our pockets. Sad thing is our heads are spinning so fast trying to keep up that we do not see it happening.
Okay, no more ice tea for me. I mean it when I say I am way to ornery for my own good sometimes. Take my opinion for what it is worth....just another night of never-ending thoughts.
crap....mind is still going.......
And.......if you feel like disagreeing with me by all means. If I am a naive, non educated citizen thinking this way, why would that be? What has the government did to make me feel otherwise or make me want to defend or believe in what they say or do? Give me something to trust you again. Give me something to be proud of you again, to brag about. Yes, I have freedom (including expressing these thoughts at the price of our troops oversees) but even those freedoms are being taken away little by little. So what price are we all paying. My neighbor can't even put a similar neighborhood light post (for security reasons) on HIS land because it is against the HOA rules. And, when he expressed his thoughts about his lamp post on his land, they sued him. Go figure. Instead of putting a knife in my back someone needs to get a backbone themselves and do what is right.
I am hearing way to many noises in my house and its creeping me out now.
1:13am signing out before I get myself into more trouble.
peace
Looking to the future, what do I see?
Based on trends, short sales began in 2006. At least that is when I did my first one. What a challenge. Soft water system company placed a lien on the property after non payment by the homeowner. Had to negotiate that settlement before closing. Who would think that something that minor would be such a huge problem. Ok, I drifted there. Focus.
The people who sold their home short in 2006 could be returning to the market in 2010 depending on how their credit is looking. Remember my 2006 clients, it did not hurt their credit one bit. They purchased another home in 2007. Short sales for the most part however became dominate in the mid 2008 and 2009. Over the next few years I do believe that those who successfully sold their home short will be returning to purchase a home while prices are low. This is a good thing.
Now, knowing that previously only 20% of all short sales were successful that leaves a whole lot of people who were not. Most of the homes have been and will be foreclosed on unless President Obama really steps in and does something miraculous and brilliant other than throwing money at a not meaningful program (really I feel its a smoke screen to buy him some time to finance this mess).
Off the subject and train of thought for another moment. Seriously, I believe all of these modifications are just a band aid. Most modifications consists of rate reductions and not principal reductions which means these people are still going to be under water or break even "MAYBE" in 10 years. I can already tell you that by human nature most of these homeowners will have something occur in their life which will require them to move. And guess what, they will still have to short sale their home and the banks will still continue to report losses. The government will be subsidizing these banks with payoffs until this all plays out its normal life cycle. In the meantime and in my opinion, the government wants banks to modify so they can slowly pay off these banks over time. The longer this plays out, the longer the government has to finance the banks for their loses and the less they will have to pay out assuming prices gradually rise over time going forward). Again, I am picturing those traffic control lights getting on the freeway. They keep traffic from bottlenecking on the freeway. Loan modifications are the governments way of putting traffic control lights on the financial liability freeway of mortgage loses. I bet the government already knows that a majority of these modifications will end in foreclosure. Can you imagine the financial burden if they just let everyone foreclose now. Talk about great depression. But if the government was really honest and told you their plan, most people would say "screw it", walk away from their home and rent and still save some cash above/over paying the modified payment. Loan modifications in most cases are a false sense of hope....I stress in most cases and in my opinion.
Ok, back to subject (btw, I must say "ok" a lot because my daughter was mocking me in the car this evening while I was on the phone, "Ok, Okay, OOOOkay!", now I am picturing Joe Pesci in Lethal Weapon who said that all the time)
oh yeah, where are we headed? If I wanted to turn this economy around, the first thing I would do would be to get all these people who ruined their credit with short sales and/or foreclosures to buy another home again (under the right lending criteria this time). The sooner we get a majority of the public back into homes, the sooner they will start buying new furniture, landscaping, cars, Walmart.... The longer they rent, the less they spend on durable goods. All the investors that have bought properties over the last year will start flipping them as demand will increase. Investors make money, they buy more homes. They buy more homes: Realtors, title companies, mortgage companies, appraisers, homes inspectors all make more money. They all make more money and so the cycle has a new breath of life blow into its financial windpipes.
If you really want to get me started I could tell you my feelings on how the new immigration laws that took effect 2 years ago only contributed to this housing market and economic crises. I know it costs billions to support them but what people didn't realize is that these illegal immigrants were/are hard workers for minimum wage. Most paid taxes and contributed to the social security system (granted they used false social security numbers to gain employment) but never claimed the refunds. They paid into social security, they purchased goods and services, they ate at restaurants, they bought houses, lots of houses. Yes they also brought crime, abuse to welfare and health care system but somehow I do not feel that the cost of these abuses is anywhere the cost of the S&L crises, Enron, and now the Housing Market Crash by lenient lending guidelines allowed by .... (put whatever political party you want to blame here). Seriously, this last one is a doozy that will affect us for many more years. Will there ever be a way to calculate its true cost to the American people. Now the illegal immigrants that are remaining are still milking the welfare and health care system, but their spouses/significant others can not work to offset the cost or fund my retirement for social security (yes, I am being optimistic that it will be there for me) or their abuses so now it is really costing us the taxpayers money. Brilliant plan. I am so glad somebody really calculated the logic and cost of passing the illegal immigration law. Immigration is just another way for the politicians to snub a part of society by taking the focus off the knife they are putting behind our backs while robbing us blind., hands in our pockets. Sad thing is our heads are spinning so fast trying to keep up that we do not see it happening.
Okay, no more ice tea for me. I mean it when I say I am way to ornery for my own good sometimes. Take my opinion for what it is worth....just another night of never-ending thoughts.
crap....mind is still going.......
And.......if you feel like disagreeing with me by all means. If I am a naive, non educated citizen thinking this way, why would that be? What has the government did to make me feel otherwise or make me want to defend or believe in what they say or do? Give me something to trust you again. Give me something to be proud of you again, to brag about. Yes, I have freedom (including expressing these thoughts at the price of our troops oversees) but even those freedoms are being taken away little by little. So what price are we all paying. My neighbor can't even put a similar neighborhood light post (for security reasons) on HIS land because it is against the HOA rules. And, when he expressed his thoughts about his lamp post on his land, they sued him. Go figure. Instead of putting a knife in my back someone needs to get a backbone themselves and do what is right.
I am hearing way to many noises in my house and its creeping me out now.
1:13am signing out before I get myself into more trouble.
peace
Tuesday, January 5, 2010
The Best Time Of Year To Sell A Home
http://realestate.yahoo.com/promo/the-best-time-of-year-to-sell-a-home.html
I agree with this. My phone started ringing right after Christmas. In the last two weeks I have had two buyers and two listings in progress. My partner has picked up two short sale listings already this week from call ins. It is going to be a busy Spring. I just hope it doesn't die right after the government credits expire like the car industry did after that incentive expired. With the amount of people walking away from their homes this will just continue to push prices down with excess supply. Rumor has it that rates are on the rise back up to 6%. Even if prices have hit bottom, if the cost to carry is to high, buyers/investors could go elsewhere. Yep, I am feeling my tones sounds like the glass is half empty. Where is that positive attitude? Work with me people...Im trying.
I agree with this. My phone started ringing right after Christmas. In the last two weeks I have had two buyers and two listings in progress. My partner has picked up two short sale listings already this week from call ins. It is going to be a busy Spring. I just hope it doesn't die right after the government credits expire like the car industry did after that incentive expired. With the amount of people walking away from their homes this will just continue to push prices down with excess supply. Rumor has it that rates are on the rise back up to 6%. Even if prices have hit bottom, if the cost to carry is to high, buyers/investors could go elsewhere. Yep, I am feeling my tones sounds like the glass is half empty. Where is that positive attitude? Work with me people...Im trying.
Monday, January 4, 2010
Thought to Ponder Today
"The most effective way to achieve the right relations with any living thing is to look for the best in it, and then help that best into the fullest expression."
New Apple Tablet
I am not an Apple Fan, but I am a tablet PC fan. I will be curious to see what this one does. Always looking to make my life more efficient.
http://finance.yahoo.com/family-home/article/108492/check-expectations-for-apples-tablet-at-the-door
http://finance.yahoo.com/family-home/article/108492/check-expectations-for-apples-tablet-at-the-door
Saturday, January 2, 2010
New Years Resolution
Found this in a blog by the CouponSense.com team.
"Resolutions
With 2010 in a few days, most of us are thinking about New Year's resolutions. According to Wikipedia, a New Year's resolution is "a commitment that an individual makes to a project or the reforming of a habit, often a lifestyle change that is generally interpreted as advantageous. The name comes from the fact that these commitments normally go into effect on New Year's Day and remain until fulfilled or abandoned."
After I finished laughing at that the "abandoned" part. And "abandoned" is what becomes of most New Year's resolutions. I really thought about what I wanted my own New Years resolutions to be this year. I remember what I had learned about Benjamin Franklin and how he approached a "resolution".
Benjamin Franklin made a list of traits he wanted to obtain. He would work on the first one and when he thought he understood and was comfortable with it, it he would move that to the bottom of his list and work on the next one. If he found a trait in someone else that he admired, he would add it to his list. He was constantly rotating these throughout his life.
There are so many people in my life that have traits I would love to incorporate into my own. This year I am going to tackle them one at a time. We should each be striving to improve our life. Change is never easy, but it can happen over time step at a time.
The Coupon Sense Team "
"Resolutions
With 2010 in a few days, most of us are thinking about New Year's resolutions. According to Wikipedia, a New Year's resolution is "a commitment that an individual makes to a project or the reforming of a habit, often a lifestyle change that is generally interpreted as advantageous. The name comes from the fact that these commitments normally go into effect on New Year's Day and remain until fulfilled or abandoned."
After I finished laughing at that the "abandoned" part. And "abandoned" is what becomes of most New Year's resolutions. I really thought about what I wanted my own New Years resolutions to be this year. I remember what I had learned about Benjamin Franklin and how he approached a "resolution".
Benjamin Franklin made a list of traits he wanted to obtain. He would work on the first one and when he thought he understood and was comfortable with it, it he would move that to the bottom of his list and work on the next one. If he found a trait in someone else that he admired, he would add it to his list. He was constantly rotating these throughout his life.
There are so many people in my life that have traits I would love to incorporate into my own. This year I am going to tackle them one at a time. We should each be striving to improve our life. Change is never easy, but it can happen over time step at a time.
The Coupon Sense Team "
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