I Appreciate You So I Thought You Should Know Immediately

 

 

URGENT MESSAGE ONLY for my personal database, because I value your opinions...
I’m only sending you this email because I know you are interested in self-improvement.

I'm letting you in FIRST on a major announcement that will be the SHOCK OF THE YEAR to the internet marketing community...

I'm so jazzed about this I almost majorly screwed up and I owe you an apology!

For the last few weeks, I've been quiet about the launch of what I believe to be the absolute best personal development training company in the world. This new company also offers BY FAR the most lucrative affiliate program I've ever seen...

In fact, I've barely done anything and I'm building passive residual income. I even have several people on my team from around the world who are already making a full-time income each month.

Here's where my apology comes in, along with a 14-DAY Free Trial!!!

At the beginning of the month, this company did something that has NEVER been done before...

In just 3 months, they've become the
#1 Most Visited Personal Development Website
on the Internet!

Click Here To See It Now

Incredible!

They beat out every other company in a 64 Billion a Year Industry!

They passed up TonyRobbins.com, BrianTracy.com, ZigZiglar.com, JimRohn.com and all the other self-improvement sites on the Internet that have been around for years and years!

This is MAJOR news...

they're rolling out a major radio campaign along with a massive email campaign that will go out to millions of people around the world...

We're rolling this campaign out at the end of the month and I haven’t spread this news.

My wife however said to me recently...

"Raymond, why don't you let your
business friends and family in on this before this launch?"

I immediately felt guilty because I hadn't even thought of that myself!

That's why I need to apologize... I should have been jumping at the chance to invite you in first!

I can't tell you the name of the company in a public email like this but you'll see everything when you go through the site.

GO HERE NOW

This is EXTREMELY time-sensitive...

My advice is to drop everything and do this right now because the people who jump on this email first, will get positioned ABOVE those who wait. (And will earn the most money because of the customers I put below you.)

I'm not going to make a big sales pitch here because when this hits, you'll see it everywhere anyway.

But if you want the inside track, and you want to be positioned above the masses of people who will join this company over the next 30-60 days I'll just say this --

GET IN NOW

You can get positioned NOW, at the top of my team, BEFORE we roll out this campaign.

Sincerely,

Raymond Day
Member
Success University

PS. If you'd like to be personally mentored by a proven success who created $3,244,842.32 in online sales in only 27 months... PLUS get access to $1,949 of the most powerful success oriented products for FREE - on a 14-Day FREE Trial basis... Then the time to act is NOW because this limited time offer will close soon...

URGENTLY GO HERE to secure a position at the TOP of my group.

PSS - I promised my wife that this wouldn't get out to anyone besides my valued business associates and friends so please don't forward this email. I promise, I will not send you any other opportunity emails like this, I respect your time.

It gets even better, this just hit my email

 

From: Michael T. Glaspie

I'm now OFFICIALLY out of the closet...

I am now "officially" the TOP producer in the
#1 Most Visited Personal Development Website
on the Internet...

And you can be positioned at the top of my organization that is EXPLODING around the world in over 112 countries! And you can benefit from my continued support and marketing
efforts of this truly outstanding company!

Hi Raymond,

You read it right, I'm out of the closet...

You can stamp the name Michael T. Glaspie "Mike G." as the #1 Producer in the largest personal development website in the world!

Here's the funny part - I've had to be in total stealth mode until now beI made a deal with the owner of Success University that I would come out with all guns blazing as soon as they proved they would be THE powerhouse in self-improvement on the net.

That time is now!

If you want to secure a position in the internet's most turn-key automated marketing program that is going berserk with new enrollee's - go to my website and secure your position now. You'll see why over 6,000 people in 112 countries have joined and why over 100,000 will join in the next 12 months.

I truly believe I will help over 20 people make six figures in the next 12 months - this is unlike anything you've EVER seen before...

I've never done anything like this before but I HAD to let you hear the message the owner left me a couple days ago. I put it on audio generator for you to hear because his excitement just cracked me up. This was right after he submitted his official press release...

I'm so excited about this, I've hired a full-time person to be your personal mentor and work with you in this program. This is something I'VE NEVER DONE BEFORE...

Ned Rae, a 10 year seasoned pro, will coach you and train you on the exact steps to make a six-figure income in the next 12 months. I will be doing everything in my power to help 20 people (yes I said 20!) earn 100K.

Go to my website now and you can enroll for a 14-Day Free Trial and start making money by the end of the day. This is going to be a wild ride - make sure you join me!

This is EXTREMELY time-sensitive...

My advice is to drop everything and do this right now because the people who jump on this email first, will get positioned ABOVE those who wait. (And will earn the most money because of the customers I put below you.)

 

Sincerely,

Michael T. Glaspie
Founder/Director
BannersGoMLM.com
BannerCo-op.com
FreeLinksNetwork.com
MySiteInc.com
BuildReferrals.com
BuildReferralsNextGen.com
Get my Free "Net Marketing 2005" CD
and a $15 Listening Bonus!! at
FreeMarketingInfo.biz
NetMarketing2005.com
You'll Kick Yourself If You Don't See this Site
NoBSzone.com
The Ultra Mega Comi$$ion Club
Zabang.com
Fast, Relevant & People Love It
MikeGTelecoach.com
END OF EMAIL MESSAGE

So I’m encouraging you to look at this very seriously, the benefits are immeasurable!!!

AS IF THIS OPPORTUNITY WASN’T ALREADY BEYOND AWESOME

I’ve just received another email that I am unable to repeat here.

But I can say this;

If you miss this opportunity, it’s okay, it won’t be the first (I’m sure), and it won’t be the last.

Though one day You just might be asking yourself WHY DID I NOT AT LEAST GO CHECK IT OUT.

 

I know, I waited 3 measly weeks and still don’t want to think of what that cost me.

 

Sincerely

Raymond Day

 

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Some helpful Mortgage terms

TWENTY TERMS YOU MUST KNOW AND UNDERSTAND BEFORE YOU SIGN OFF ON YOUR MORTGAGE!


Buying a home is a major achievement in most everyone’s life. Pride of ownership, tax breaks and equity are just a few of the many benefits you’ll enjoy with your new home. Your home purchase may also be one of the largest you will ever make.

During the emotional excitement of buying a home, you may encounter terms with which you are unfamiliar. For some, it can be bit embarrassing to ask what they consider too many questions. Others may make a note of their questions but simply forget to revisit those points. To ensure that you have complete confidence during your home loan process, invest a moment to read this report and become familiar with the concepts and terms you’ll encounter. Also send us your questions. Knowledge is power and the more you know the more successful will be your decisions and the more soundly you will sleep at night having made them.

Adjustable Rate Mortgage (ARM)
Also referred to as a Variable Rate Mortgage. A mortgage in which the interest rate is adjusted periodically based on a pre-selected index.

Annual Percentage Rate (APR)
An interest rate that reflects the cost of a mortgage as a yearly rate. This rate takes into account any points and fees and is based on the loan going to it’s full-term.

Assumption
An agreement between buyer and seller in which the buyer assumes responsibility for the seller’s existing mortgage. This agreement usually saves the buyer money because closing costs and the current interest rate, possibly higher, do not apply.

Buy-down
A method of lowering the buyer’s monthly payment for a short period of time. The lender or homebuilder subsidizes the mortgage by lowering the interest rate for the first few years of a loan.

Caps
A limit in the amount the interest rate or monthly payments for an adjustable rate mortgage that may change.

Closing
Also referred to as settlement. The meeting at the conclusion of a real estate sale in which the property and funds are exchanged between the two parties involved.

Debt-to-Income Ratio
The ratio, expressed as a percentage, which results from dividing a borrower’s monthly payment obligation on long-term debts by the borrower’s gross monthly income.

Discount Points
Prepaid interest assessed at closing by the lender. A point is equal to 1 percent of the loan amount.

Down Payment
Cash paid by the buyer at closing that makes up the difference between purchase price and the mortgage amount.

Earnest Money
Money given by a buyer to a seller as a deposit to commit the buyer to the future transaction. Earnest money is subtracted from closing costs.

Equity
The value an owner has in real estate over and above the obligation against the property. Equity is fair market value minus the current indebtedness.

Escrow
Funds given to a third party which will be held to cover payments such as tax or insurance payments and earnest money deposits.

Fixed Rate Mortgage
A mortgage in which the interest rate remains constant throughout the life of the loan.

Loan-to-Value Ratio
The ratio between the amount of the mortgage loan and the appraised value of the property.

Market Value
The price that a property could possibly bring in the marketplace.

Mortgage Insurance
Insurance that protects lenders against loss if a borrower defaults. This is required when the loan-to-value ratio is greater than 80 percent.

Origination Fee
A fee charged by a lender for processing a loan application; usually computed as a percentage of the loan.

PITI
Refers to Principal, Interest, Taxes, and Insurance.

Underwriting
The decision-making process of granting a loan to a potential homebuyer.

Variable Rate Mortgage
Also referred to as Adjustable Rate Mortgage. A mortgage in which the interest rate is adjusted periodically based on a pre-selected index.

Home Inspections

I thought for a sunday night we would have a little fun with home inspections. Please, this information is valid and in no way is meant to degrade the profession of home inspectors. My recommendation is that you have a home inspection done on your current home if you intend to sell, or on a home you intend to buy.

This blurp is just for your info, and to give you some information on home inspections.
If you feel inclined, enjoy a little smile while reading.
Please just notice the many definitions, and these are only a few.

This is an excerpt from National Association of Certified Home Inspectors:

The Standards of Practice used for this course are NACHI's, and are similar to those used by other home inspection trade organizations.

Definitions and Scope

A Home inspection is a non-invasive visual examination of a residential dwelling, performed for a fee, which is designed to identify observed material defects within specific components of said dwelling. Components may include any combination of mechanical, structural, electrical, plumbing, or other essential systems or portions of the home, as identified and agreed to by the Client and Inspector, prior to or during the inspection process.

Home Inspection: The process by which an inspector visually examines the readily accessible systems and components of a home and operates those systems and components utilizing these Standards of Practice as a guideline.

Inspect: To visually look at readily accessible systems and components safely, using normal operating controls and accessing readily accessible panels and areas.

A non-invasive visual examination, relates to the fact that in most cases home inspectors are not required to dismantle or remove components; one exception being the removal of electric panel covers. A residential dwelling can include apartments, condos, single family homes, and structures containing multiple units. However some authorities limit these to a building with a maximum of 4 units. Any inspection must contain an agreement between the inspector and the client as to which components or systems the inspector will be evaluating.

Many people think that a home inspector is able to see through walls. Obviously this is not the case; you can only report on what you can see given reasonable access.

A home inspection will not reveal every problem that exists or ever could exist, but only those material defects observed on the day of the inspection.

A Material defect is a problem with a residential real property, or any portion of it, that would have a significant adverse impact on the value of the property or that involves an unreasonable risk to people on the property. The fact that a structural element, system or subsystem is near, at, or beyond the end of the normal useful life is not by itself a material defect.

The inspectors are not required to operate:
A. Any system that is shut down.
B. Any system that does not function properly.
C. Or evaluate low voltage electrical systems such as, but not limited to:
Phone lines, Cable lines, Antennae, Lights, Remote controls,
D. Any system that does not turn on with the use of normal operational controls.
E. Any shut off valve.
F. Any electrical disconnect or over current protection devices.
G. Any alarm systems.
H. Moisture meters, gas detectors or similar equipment.

The inspectors are not required to:
A. Move any personal items or other obstructions, such as, but not limited to:
Throw rugs, FurnitureFloor or wall coverings, Ceiling tiles, Window coverings, Equipment, Plants, Ice, Debris, Snow, Water, Dirt, Foliage, Pets
B. Dismantle, open, or uncover any system or component.
C. Enter or access any area which may, in the opinion of the inspector, to be unsafe or risk personal safety.
D. Enter crawlspaces or other areas that are unsafe or not readily accessible.
E. Inspect underground items such as, but not limited to, underground storage tanks or other indications of their presence, whether abandoned or actively used.
F. Do anything which, in the inspector's opinion, is likely to be unsafe or dangerous to the inspector or others or damage property, such as, but not limited to, walking on roof surfaces, climbing ladders, entering attic spaces or negotiating with dogs.
G. Inspect decorative items.
H. Inspect common elements or areas in multi-unit housing.
I. Inspect intercoms, speaker systems, radio-controlled, security devices or lawn irrigation systems.
J. Offer guarantees or warranties.
K. Offer or perform any engineering services.
L. Offer or perform any trade or professional service other than home inspection.
M. Research the history of the property, report on its potential for alteration, modification, extendibility, or its suitability for a specific or proposed use for occupancy.
N. Determine the age of construction or installation of any system structure, or component of a building, or differentiate between original construction or subsequent additions, improvements, renovations or replacements thereto.
O. Determine the insurability of a property.


For more in depth information on home Inspections or questions please e-mail me at raymond@resolutionsgroup.org, or post a comment if it would only require a brief answer.

There is a benefit to a home inspection, but it is not going to give you the information you need the most. Unfortunately most home inspections are used to justify a realtor, or cover a lender's assets.(Reading between the letters is allowed)

Unfortunately without knowing exactly how to approach the inspection or the inspector as the case may be, you might as well throw a coin in the water fountain and hope for good luck.

I hope you can see what you probably have been told about home inspections is a myth.

Just a little disclaimer: I am not degrading any home inspectors, I am simply recommending the client understand exactly what the service is they will recieve.

This little bit of info is only scratching the surface, please learn all about home inspections before making any rash conclusions.
Till next time,
Raymond

Decoration Day

I appreciate your comment on Memorial Day Freedom (Decoration Day), could you elaborate a little? And I enjoyed your thoughts on Blogging, I would recommend the 30 second read for other Bloggers
see comments on Memorial Day Freedom.

Memorial Day Freedom

As we celebrate Memorial Day, I'm reminded of how really blessed we are here in America. As I learn about how we are the only country in the world with the ability to own our homes as we do. In several European countries as well as in Canada, the cost for homeownership is quite expensive compared to the U.S.

We really should be grateful to one another, because we have all played some part in the military protection and freedom our country has provided to us. Although we may not agree with all of the tactics that War consist of, I think we can all agree that we are blessed that it is not happening on American soil.

It is upsetting to think about the events of the world at the moment, but in some thoughtful way, I think the world is a better place now than any other time in the past.

If you do not have the privilege of owning your home yet, please let us show you that it is possible for you. You can contact us and ask us how by e-mail.

If you are thinking about buying a home, I think that is a very smart move. If you are in the process of investing in a home now and have any questions at all, feel free to ask, maybe I can help.

Thank you for allowing me to give back to the community, and have a wonderful Memorial Day
Raymond

Interest rates up 1/2 point, still great time to buy

As you all know, Alan Greenspan has been monitoring several things – one of which is the economy and inflation. Interest rates have recently gone up 1/2 point. The rental market in the United States -- every area of the Country is somewhat unique – but in general terms, the rental market has been a little soft over the last 30 plus months.
As interest rates go up, we find the market for rental will also go up because individuals that would ordinarily buy a property are excluded from the market, ie: 1/4 point rise in interest rates will prevent approximately 250,000 families from qualifying for a loan, so that is something that is of paramount importance for people who have real estate, you should see a rise in rental market rates in the future. Also, many of the Class “A” apartment complexes in specific markets have turned into condominiums, which then forces more individuals into a rental situation as well.

If you aren't a homeowner yet, but want to be, now is the time to buy. There are several reasons to own, rent rates going up because of higher rental markets is just one good reason. Starting today is the key. I will be sharing many tips about buying with you. The best way for me to share my knowledge is by answering specific questions from you, so e-mail me, or use the comment section.

Raymond

Sample Question

Sample question: What is the first step to getting a home?

Answering questions

If you have a question you can either post it for all to see, or you can e-mail me if you would like a more personal response. I will post the question myself from me if I feel it is a question or comment that would benefit other readers. I will send you a personal e-mail response that may be a more in depth answer than I post to the readers.

I will be posting some general information daily that will be beneficial for anyone investing in a home. I'll also give tips and techniques to save you money, and show how to go through the buying or selling process smoothly.

what you'll find here

I am testing some blog features to be able to interact with our home buying community better.
I have been buying and selling real estate for over ten years and would like to share this knowledge with others. I am able to answer questions pertaining to almost anything have to do with home buying. If I don't know the answer, I am networked with all different aspects of the industry to be able to find out the answers.