Thanks for saving us money

By Nancy Moeller

From: Chad MSent: Friday, February 18, 2011 10:25 AMTo: Nancy Moeller, Shauna DrummSubject: Thank YouNancy/Shauna: My wife and I were referred to an agent, whom recommended that Short Sale was the best option for our home. Despite being highly recommended from a trusted source, we later discovered that his method would lend us to tax liability and potential recourse on the deficien

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Your tax dollars at work

By Nancy Moeller

According to a study by the senior research economist at the Federal Reserve Bank of Cleveland last week, homeownership is more sustainable for people with larger down payments. Really? We had to pay for a study to learn this? A homeowner who puts 3.5% down has 16.5% less equity than a homeowner who put 20% down. Of course, they are more likely to default! The study goes on to reveal that

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Foreclosure Scams - Do Your Research

By Nancy Moeller

In a recent consumer alert, Wayne Bell, the chief counsel for the California DRE, advises "If you choose to use the real estate and/or mortgage related services of third parties for a fee(s), ask them questions, lots of questions, and then verify, verify, and still verify some more. Also, and importantly, you are wise to never pay for such services or assistance in advance of seeing results. It is

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Do the numbers lie?

By Nancy Moeller

I had a client email me this morning about a statistic he read this weekend in the OC Register. According to DQ News, the median price in his 92808 zip code is down 35% over last year. Is it really that bad, he asked? No. (Thankfully)These reports are helpful, but also very misleading because they do not report on housing types. Since its the median pricing report, its more reflective of

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Homeownership Myths

By Nancy Moeller

1. Myth: If a loan modification does not work for me, I should just let the bank foreclose. A foreclosure is the worst solution. You may have to pay taxes. You may still have the lender pursue you for their loss. You may not be able to lease a new home or get a new job. Allow us to help you with a better solution.2. Myth: My loss is only on paper. Negative equity is real and d

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To tweet or not to tweet?

By David Skocik

To tweet or not to tweet? If you asked a business person that question just four years ago he or she might have assumed you were asking about their canary. Todays social networking, which includes Twitter, Facebook, MySpace, YouTube, blogging, podcasts, interactive websites, texting and others, goes far beyond traditional print and electronic advertising and can overwhelm businessowners.

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Clarity, Confidence, & Creativity: Life from the Top of the Mind

By Bill Crawford

Everyone has heard the statistics... 75% of Americans describe their lives as "very stressful," and with the pace of change, the expectation is that it's just going to get worse. Therefore, as a psychologist and speaker, I try to do more than just give people "stress management" techniques or coping methods. Instead, I first show my audiences and individual clients why so much of the advice about

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Buttons 'n Bows

By Marion Grobb Finkelstein

Buttons and bows. It seems like such a small thing, a jar of miscellaneous buttons clipped from countless items of clothing. To me, it represented a lifetime of loving care, a tangible link to my past, and I couldn't bring myself to get rid of it. When my mom passed away last month, I stumbled upon a mason jar of buttons she had collected. Mom had been an avid seamstress in her day, not so muc

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Life's a Gamble

By Marion Grobb Finkelstein

My mother has taught me many lessons throughout my life, some knowingly and some without her consciously being aware she was teaching. One of the biggest lessons I learned was that life's a gamble.When was the last time you took a risk, stepped out of your comfort zone and experienced great uncertainty? Perhaps you're in a new job, engaged to be married, or trying an avant-garde medical proced

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Jingle Mingle

By Marion Grobb Finkelstein

'Tis the season to be mingling. whether it's a neighbour's cocktail party, the office get-together, or the gathering of the family tribe, this is the time of year we all are expected to be social butterflies and connect with everyone ... whether we feel like it or not. It can be difficult, so here's some things you can do to make it work for you.*SCAN THE ROOM. When you're entering the party r

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