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Quote of the Day


Life is not about how fast you run

or how high you climb but how well

you bounce.


Vivian Komori

Luck is a Dividend of Sweat


"Luck is a dividend of sweat. The more you sweat, the luckier you get." - Ray Kroc

Glad to know we are all on the way to genius!!!


Constant effort and frequent mistakes

are the stepping stones of genius.

~ Elbert Hubbard

A Great Attitude is Your Greatest Asset


"What usually separates the best from the rest? Have you ever thought about that? What separates the gold medalist from the silver medalist in the Olympics? What separates the successful entrepreneur from the one who doesn't make it? What makes it possible for one person to thrive after a debilitating accident while another gives up and dies? It's attitude.


As Denis Waitley said in The Winner's Edge, "The winner's edge is not a gifted birth, a high IQ, or in talent. The winner's edge is all in the attitude, not aptitude. Attitude is the criterion for success. But you can't buy an attitude for a million dollars. Attitudes are not for sale."


For years I have tried to live by the following statement: I cannot always choose what happens to me, but I can always choose what happens in me. Some things in life are beyond my control. Some things are within it. My attitude in the areas beyond my control can be difference maker. My attitude in the areas that I do control will be the difference maker. In other words, the greatest difference my difference maker can make is within me, not others. That is why your attitude is your greatest asset or liability. It makes you or breaks you. It lifts you up or brings you down. A positive mental attitude will not let you do everything. But it can help you do anything better than you would if your attitude were negative."



Searching December Housing Scorecard Shows Continued Home Affordability

RISMEDIA, December 27, 2010The U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of the Treasury released the December edition of the Obama Administrations Housing Scorecard. The latest housing figures show continued home affordability in the housing market, with interest rates near record lows, but the market remains fragile, as prices are unsettled. Foreclosure starts and completions dropped significantly in November, as lenders review internal servicing procedures. The housing scorecard is a comprehensive report on the nations housing market.

The Obama Administrations broad set of programs have helped promote stability for the housing market, neighborhoods, and the nations homeowners, but there is much more work to be done, said HUD Assistant Secretary Raphael Bostic. Since taking office in 2009, the Administrations efforts have helped millions of families stay in their homes and helped millions more refinance, but the data clearly show that the market remains extremely fragile. Thats why were continuing to focus on successfully implementing the programs weve put in placesuch as additional refinancing assistance and emergency loans to help unemployed homeownersand ensuring that help is available to homeowners as early as possible.

While much work remains to be done to help families that have been hurt by this crisis, the Administrations programs have benefitted many homeowners directly while setting standards for the entire industry, said acting Assistant Secretary for Financial Stability Tim Massad. This is a major reason why there have been more than twice as many modifications and other foreclosure alternatives as foreclosure completions since April 2009.

The December Housing Scorecard features key data on the health of the housing market including:
-Foreclosure starts and completions dropped significantly in November. As lenders review internal procedures related to foreclosure processing, many foreclosure actions have been delayed, leading to a 21% drop in foreclosure activity in November. While this is the biggest month over month decrease since 2005, the decline is likely to be temporary as lenders eventually revise and resubmit foreclosure paperwork in the coming months.

-As expected with the expiration of the Home Buyer Tax Credit, new and existing home sales have remained below levels seen in the first half of 2010. However, this months report also shows that home prices and home equity declined moderately, as prices remain unsettled at this fragile stage of the recovery.

-More than 3.9 million mortgage aid offers were initiated between April 2009 and the end of October 2010more than double the number of foreclosure completions during that time. These actions included over 1.4 million Home Affordable Modification Program (HAMP) trial modification starts, more than 600,000 Federal Housing Administration (FHA) loss mitigation and early delinquency interventions, and nearly 1.8 million proprietary modifications under HOPE Now. While some homeowners may have received help from more than one program, the number of agreements offered were more than double the number of foreclosure completions for the same period (1.7 million).

Data in the scorecard also show that the recovery in the housing market continues to remain fragile. While the recovery will take place over time, the Administration remains committed to its efforts to prevent avoidable foreclosures and stabilize the housing market.

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