Sunday, May 22, 2011
Saturday, May 21, 2011
Thursday, May 19, 2011
Wednesday, May 18, 2011
Tuesday, May 17, 2011
Monday, May 16, 2011
Thursday, May 12, 2011
Wednesday, May 11, 2011
Ex-Marine who survived impalement: ‘Just a lucky guy’ - Good News - TODAY.com
You just never know what's next! Pretty lucky guy. My nephew had an almost identical accident when he was eighteen years old driving home from a concert one night. In his case the pole went through his chest miraculously missing his heart by a whisker and going through one lung! Ex-Marine who survived impalement: ‘Just a lucky guy’ - Good News - TODAY.com
Tuesday, May 3, 2011
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Have you ever experienced this scenario: You lie down and try to fall asleep, but you start thinking about what you need to get done the next day. You may focus on what time the kids need to get picked up from school or a proposal that needs to be completed for work. Maybe you think about a bill that needs to be paid, but you do not have the funds to pay it. All of these thoughts create stress, causing you to toss and turn for hours before you finally fall asleep. Sometimes we have so many different things going on in our lives that our minds get overloaded and do not This is often easier said than done, especially when we are tense and worried about getting a task completed. Here are a few ways that we can clear our minds: Center yourself – Think of a place/time that brings you to a complete state of peace. Maybe this was a vacation that you went on or a very special holiday that you spent with your family. This will help to remove the worry and stress from the task you need to complete. Exercise – Often times the best way to clear your mind is to run/work out. This will help to take all of the energy that is being focused on the task, remove the stress and worry, and rejuvenate the body and mind. Take a five minute break – Sometimes if you have several things that are stressing you out, it is best to remove yourself from the situation. By taking a five minute break, you can re-focus yourself on the task at hand and what needs to be done to complete it. Meditate – One way to clear your mind is to put on soft music and meditate. During this time, do not focus on any of your worries. You will be very surprised by the calming effect that you will experience.
Call me today and we can discuss how clearing your mind will help to focus your thoughts and make you a happier person! |
function correctly. This can be especially true during stressful situations, when the mind needs to be cleared so the brain can be refreshed.Tuesday, April 26, 2011
Monday, April 25, 2011
Sunday, April 24, 2011
Thursday, April 21, 2011
Friday, April 15, 2011
Utah 4th in foreclosure rate in 1st quarter
2011-04-15 05:56:42
Utah 4th in foreclosure rate in 1st quarter
Utah 4th in foreclosure rate in 1st quarter
One in every 98 Utah households had a foreclosure filing during the first three months of 2011.
 | Top 10 states with highest foreclosure rates
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By Jasen Lee April 14th, 2011 @ 10:20pm From KSL.com | 'The probability that foreclosure activity will begin to increase again as lenders and servicers gradually work their way through the backlog of thousands of foreclosures that have been delayed due to improperly processed paperwork.' -James Saccacio, RealtyTrac CEO |
SALT LAKE CITY — Utah continues to rank among the highest in the nation for its rate of home defaults and foreclosures.
A report released Thursday by RealtyTrac, based in Irvine, Calif., indicated that one in every 98 Utah households had a foreclosure filing during the first three months of this year.
The U.S. Foreclosure Market Report for the first quarter of 2011 showed foreclosure filings — default notices, scheduled auctions and bank repossessions — declined 15 percent from the previous quarter and dropped 27 percent from the same period last year.
However, some states — including Utah — are still being impacted by the housing crisis.
'It's a serious problem … for the real estate market,' said Jim Wood, director of the Bureau of Business and Economic Research at the University of Utah. 'It's continuing to put pressure on prices.'
- Utah trailed only Nevada, California and Arizona in the rate of filings per household. But, the percentage of filings is declining for the most part.
- Nevada had the highest rate at one in 35 households registering a filing. Nevada filings were down 10.38 percent from the previous quarter, and down 7.21 percent from the same time last year.
- Arizona reported one in 60 households with a filing, up just more than 15 percent from the previous quarter, but down more than 17 percent from the first quarter of 2010. Meanwhile, California is still feeling the pain of foreclosure with one in 80 households reporting a filing, a decrease of 3.57 percent from the previous quarter and a 22 percent decline from 12 months ago.
- Idaho rounded out the fives states with the highest foreclosure rates with one in 106 households reporting a filing, up 8.38 percent from the previous quarter, but down 3.53 percent from last year's first quarter. Other states with foreclosure rates ranking among the top 10 in the first quarter were Georgia, Michigan, Florida, Colorado and Illinois.
- Nationally, more than 197,000 properties received default notices for the first time in the first quarter, a 17 percent decrease from the previous quarter and a 35 percent decrease from the first quarter of 2010. For March, a total of 73,393 properties received default notices, up 16 percent from February, but still down 37 percent from March 2010.
- The number of foreclosures on U.S. properties during the first quarter fell 6 percent from the previous quarter and declined 17 percent from the first quarter of last year.
- James Saccacio, chief executive officer of RealtyTrac, said foreclosure activity has fallen to a three-year low, but the housing market continues to languish.
- “Weak demand, declining home prices and the lack of credit availability are weighing heavily on the market, which is still facing the dual threat of a looming shadow inventory of distressed properties,' he said, 'and the probability that foreclosure activity will begin to increase again as lenders and servicers gradually work their way through the backlog of thousands of foreclosures that have been delayed due to improperly processed paperwork.”
While Wood does not agree entirely with the report's methodology, he said the fact remains that the housing sector is still struggling, and it may be a while before the market fully recovers.
'It's an absolute mess,' Wood said. 'It's near intractable. (The recovery is) so slow, it's like death by a thousand cuts.'
Thursday, April 7, 2011
Friday, April 1, 2011
IMPORTANT INFO! FHA RATES TO GO UP 4/18/2011
The FHA is raising one of it's fee rates and could affect the price of a home and more importantly will raise themonthly payment enough to put some homes ot of reach for some buyers. If you are close to finalizing your home contract or feel you could be in the next few weeks it is probably a good thing to consider tied up and not be tagged this extra monthly fee if at all possible...Good luck and let us know if we can help.
Below is an email our lender just sent me on some changes on financing a home. Karl,
I wanted to let you know that as of April 18th 2011, FHA will be raising its monthly mortgage insurance by .25%, from .90% to 1.15%. This will add an additional $40 per month to the payment on a $200,000 mortgage. If you have any buyers that are currently thinking that they would like to apply for an FHA mortgage, I would encourage them to act now not later. They do not need to close before April 18th but we need to identify a property and pull an FHA case number.
If you have any questions, please feel free to call me 801-644-2323.
Sincerely,
Rick Carter
Sincerely,
Rick Carter
Graystone Mortgage
You can also get questions answered by submitting them here.
Friday, March 4, 2011
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