With my heartfelt best wishes to you for a wonderful 2008, I'm sharing what I feel expresses how we should be living our lives to experience abundant joy and happiness always. These are things that I've come to live by myself and savour all those moments in time. I hope you enjoy this as much as I do!
My 12 Lovely Lyrics for You
Love like there’s no tomorrow.
Laugh out loud and often.
Listen to your soul.
Lighten up!
Lean on a friend - that’s what they live for.
Look for the good in all things and people.
Live the dream you thought of when you were a child.
Lose anger and resentment.
Linger after church.
Light candles at dinner.
Lend your smile… it’s so amazing.
Launch your ideas with unstoppable force.
Wishing you a Great 2008!
With gratitude,
Mary Wozny
Monday, December 31, 2007
Friday, December 28, 2007
US New Home Sales - Down!
Sales of new homes plunged last month to their lowest level in more than 12 years, a grim testament to the problems plaguing the housing sector.
The Commerce Department reported Friday that new-home sales tumbled by 9 per cent in November from October to a seasonally adjusted annual rate of 647,000. That was the worst showing since April 1995, when the pace of sales was 621,000.
Over the last 12 months, new-home sales nationwide have tumbled by 34.4 per cent, the biggest annual slide since early 1991, and stark evidence of the painful collapse in the once high-flying housing market.
That market has been suffering through a severe slump following five years of record-breaking activity from 2001 through 2005. Sales turned weak as did home prices. The boom-to-bust situation has increased dangers to the economy as a whole and has been especially hard on some homeowners.
Foreclosures have soared to record highs and probably will keep rising. A drop in home prices left some people stuck with balances on their home mortgages that eclipsed the worth of their home. Other home buyers were clobbered as low introductory rates on their mortgages jumped to much higher rates, which they couldn't afford.
With credit now harder to get to finance a home purchase, the problems in housing have grown worse. Unsold homes have piled up. The problems are expected to persist well into next year.
The housing and mortgage meltdowns have raised the odds that the country will fall into a recession. And, it has given Democrats and Republicans politicians— including those who want to be the next president — plenty of opportunities to spread blame around.
To help bolster the economy, the Federal Reserve has sliced a key interest rate three times this year. Its latest rate cut, on Dec. 11, dropped the Fed's key rate to 4.25 per cent, a two-year low. Many economists are predicting the Fed will lower rates again when they meet in late January.
The economy's growth is expected to have slowed to a pace of just 1.5 per cent or less in the October-to-December. Analysts believe that the housing and credit troubles will force consumers and businesses to tighten the belts, causing the economy to lose considerable speed. The housing slump has been a drag on overall economic activity, lopping more than a full percentage point off growth during the summer alone.
Prosperously yours,
Mary Wozny
The Commerce Department reported Friday that new-home sales tumbled by 9 per cent in November from October to a seasonally adjusted annual rate of 647,000. That was the worst showing since April 1995, when the pace of sales was 621,000.
Over the last 12 months, new-home sales nationwide have tumbled by 34.4 per cent, the biggest annual slide since early 1991, and stark evidence of the painful collapse in the once high-flying housing market.
That market has been suffering through a severe slump following five years of record-breaking activity from 2001 through 2005. Sales turned weak as did home prices. The boom-to-bust situation has increased dangers to the economy as a whole and has been especially hard on some homeowners.
Foreclosures have soared to record highs and probably will keep rising. A drop in home prices left some people stuck with balances on their home mortgages that eclipsed the worth of their home. Other home buyers were clobbered as low introductory rates on their mortgages jumped to much higher rates, which they couldn't afford.
With credit now harder to get to finance a home purchase, the problems in housing have grown worse. Unsold homes have piled up. The problems are expected to persist well into next year.
The housing and mortgage meltdowns have raised the odds that the country will fall into a recession. And, it has given Democrats and Republicans politicians— including those who want to be the next president — plenty of opportunities to spread blame around.
To help bolster the economy, the Federal Reserve has sliced a key interest rate three times this year. Its latest rate cut, on Dec. 11, dropped the Fed's key rate to 4.25 per cent, a two-year low. Many economists are predicting the Fed will lower rates again when they meet in late January.
The economy's growth is expected to have slowed to a pace of just 1.5 per cent or less in the October-to-December. Analysts believe that the housing and credit troubles will force consumers and businesses to tighten the belts, causing the economy to lose considerable speed. The housing slump has been a drag on overall economic activity, lopping more than a full percentage point off growth during the summer alone.
Prosperously yours,
Mary Wozny
Monday, December 24, 2007
Merry Christmas!
As this year draws to a close and we all settle in to enjoy the holiday season with our loved ones, I want to extend my heartfelt wishes to you for a very Merry Christmas and a Happy, Healthy, and Prosperous New Year.
I wish you new memories to build on old ones; good times and much happiness as you share this very special time with family, friends and loved ones.
I ask you to remember those who need that extra smile or hug at this time of the year, those who will spend the holidays alone, those in poor health or elderly, and especially near and dear to my heart, those women and children who spend this holiday in shelters, protected from those who would otherwise cause them harm.
Appreciate and be grateful for all the blessings in your life and enjoy each moment to the fullest.
Merry Christmas to you and your family!
To Your Prosperity,
Mary Wozny
I wish you new memories to build on old ones; good times and much happiness as you share this very special time with family, friends and loved ones.
I ask you to remember those who need that extra smile or hug at this time of the year, those who will spend the holidays alone, those in poor health or elderly, and especially near and dear to my heart, those women and children who spend this holiday in shelters, protected from those who would otherwise cause them harm.
Appreciate and be grateful for all the blessings in your life and enjoy each moment to the fullest.
Merry Christmas to you and your family!
To Your Prosperity,
Mary Wozny
Monday, December 17, 2007
Getting Fit - One Step at a Time
Holding on to negative emotions, such as resentment, hostility, grievances and regrets can be toxic to your body. Let go of these negative emotions and experience an increase in energy and vitality.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Monday, December 10, 2007
Vitamin D and Endometrial Cancer
New research indicates that low serum vitamin D may be associated with an increased incidence of endometrial cancer.
The November 16, 2007 issue of the journal Preventive Medicine reported an association between ultraviolet light exposure and a reduced risk of endometrial cancer. Two previous investigations have already linked a lower rate of kidney and ovarian cancer with greater UV exposure, which increases the formation of vitamin D3 in the body.
Researchers analyzed data made available through GLOBOCAN, a database of cancer incidence and mortality in 175 countries. In general, the incidence of endometrial cancer was highest at the highest latitudes in both hemispheres. The correlation between low UV exposure and low vitamin D levels and endometrial cancer incidence remained strong even after adjusting for variables such as fat intake, weight, cloud cover, skin pigmentation and others. Most previous studies have focused on hormone levels and dietary fat intake and their role in the development of the disease.
This is the first study linking low serum vitamin D levels to an increased risk of endometrial cancer. Along with other preventive measures, vitamin D adequacy should be considered as part of a comprehensive program for prevention of endometrial cancer. Prev Med 2007 Nov;45(5):323-4.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" awardat www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
The November 16, 2007 issue of the journal Preventive Medicine reported an association between ultraviolet light exposure and a reduced risk of endometrial cancer. Two previous investigations have already linked a lower rate of kidney and ovarian cancer with greater UV exposure, which increases the formation of vitamin D3 in the body.
Researchers analyzed data made available through GLOBOCAN, a database of cancer incidence and mortality in 175 countries. In general, the incidence of endometrial cancer was highest at the highest latitudes in both hemispheres. The correlation between low UV exposure and low vitamin D levels and endometrial cancer incidence remained strong even after adjusting for variables such as fat intake, weight, cloud cover, skin pigmentation and others. Most previous studies have focused on hormone levels and dietary fat intake and their role in the development of the disease.
This is the first study linking low serum vitamin D levels to an increased risk of endometrial cancer. Along with other preventive measures, vitamin D adequacy should be considered as part of a comprehensive program for prevention of endometrial cancer. Prev Med 2007 Nov;45(5):323-4.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" awardat www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Friday, November 23, 2007
Thanksgiving Wishes!
I can smell the wonderful aromas of turkey, dressing, gravy and sweet potato pie and suspect that at this time of the evening you're all full and replete from the delicious meals you've enjoyed on this Thanksgiving Day.
As I reflect on this day of Thanksgiving, I look back over the past year in my own life, the enormous changes that have taken place for me, most of them wonderful and exciting, some of them the most difficult and sad a parent can imagine and ever experience as I let go and mourn the loss in my life of my beloved son. I've learned to move beyond the pain and heartache of this, never forgetting, but moving on as one must do to carry on.
I choose to focus on all the blessings in my life and am so grateful and thankful for my beautiful daughter, my family and my friends. I'm grateful and thankful that I have been blessed with new love in my life and I embrace this close to my heart.
I thank God every day that my life is better and better, that I am happy, safe and at peace.
I wish the same for each and every one of you, today and always.
I ask you to realize that no matter the challenges you face each day, the issues that you struggle with, choose to look at each and every one of them as a lesson that you will learn and grow from.
Great things most often come from our most difficult challenges and adversities as long as we are willing to look at the challenge, move through it, learn and grow from it.
We have such an incredible wealth of opportunities and choices in our lives today, endless possibilities for us to consider and look at to create the lives we dream of for ourselves and our families. We truly are blessed and I am forever grateful and thankful.
I wish you all health, happiness and prosperity on this Thanksgiving Day. Embrace and cherish all life has to offer you!
Warmly,
Mary Wozny
As I reflect on this day of Thanksgiving, I look back over the past year in my own life, the enormous changes that have taken place for me, most of them wonderful and exciting, some of them the most difficult and sad a parent can imagine and ever experience as I let go and mourn the loss in my life of my beloved son. I've learned to move beyond the pain and heartache of this, never forgetting, but moving on as one must do to carry on.
I choose to focus on all the blessings in my life and am so grateful and thankful for my beautiful daughter, my family and my friends. I'm grateful and thankful that I have been blessed with new love in my life and I embrace this close to my heart.
I thank God every day that my life is better and better, that I am happy, safe and at peace.
I wish the same for each and every one of you, today and always.
I ask you to realize that no matter the challenges you face each day, the issues that you struggle with, choose to look at each and every one of them as a lesson that you will learn and grow from.
Great things most often come from our most difficult challenges and adversities as long as we are willing to look at the challenge, move through it, learn and grow from it.
We have such an incredible wealth of opportunities and choices in our lives today, endless possibilities for us to consider and look at to create the lives we dream of for ourselves and our families. We truly are blessed and I am forever grateful and thankful.
I wish you all health, happiness and prosperity on this Thanksgiving Day. Embrace and cherish all life has to offer you!
Warmly,
Mary Wozny
Thursday, November 22, 2007
Omega-3 Fatty Acid Intake Associated With Lower Heart Disease Risk
Increased consumption of omega-3 fatty acids in the diet is associated with lower levels of inflammation and endothelial activation, according to results from a study at Harvard.
Dysfunction of the endothelium, which is the inner lining of the blood vessel wall, is an early event in the development of atherosclerosis and subsequent heart disease.
Food frequency questionnaires completed in1986 and 1990 by 727 participants in the Nurses' Health study were evaluated for levels of the omega-3 fatty acids alpha-linolenic acid (ALA), eicosapentaenoic acid (EPA), and docosahexaenoic acid (DHA).
Alpha-linolenic acid consumption was found to be inversely associated with several plasma markers of inflammation, while EPA and DHA intake was inversely related to platelet aggregration.
Results of this study indicate that in addition to reducing triglycerides, platelet aggregation and heart arrhythmias, omega-3 fatty acids may also reduce the body's production of hydrogen peroxide, which is involved in the inflammatory process.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Dysfunction of the endothelium, which is the inner lining of the blood vessel wall, is an early event in the development of atherosclerosis and subsequent heart disease.
Food frequency questionnaires completed in1986 and 1990 by 727 participants in the Nurses' Health study were evaluated for levels of the omega-3 fatty acids alpha-linolenic acid (ALA), eicosapentaenoic acid (EPA), and docosahexaenoic acid (DHA).
Alpha-linolenic acid consumption was found to be inversely associated with several plasma markers of inflammation, while EPA and DHA intake was inversely related to platelet aggregration.
Results of this study indicate that in addition to reducing triglycerides, platelet aggregation and heart arrhythmias, omega-3 fatty acids may also reduce the body's production of hydrogen peroxide, which is involved in the inflammatory process.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Sunday, November 11, 2007
Vitamin D Reduces the Risk of Certain Cancers
A study published in the American Journal of Public Health, has found that vitamin D deficiency may account for several thousand premature deaths annually.
The researchers reviewed 63 studies on the relationship between vitamin D and certain types of cancer worldwide between 1966 and 2004. The majority of studies found a protective relationship between sufficient vitamin D status and lower risk of cancer, especially in cancers of the colon, breast, prostate and ovary.
Vitamin D is acquired either through the diet or through exposure to sunlight. Food sources include milk, yogurt, cheese, and fortified orange juice. A typical serving provides approximately 100 international units (IU). Researchers suggested that people might want to consider a vitamin supplement to raise their overall intake to 1,000 IU's per day. Supplementing with additional vitamin D could be especially important for people living in northern areas, which receive less vitamin D from sunlight.
The evidence suggests that improving vitamin D status through diet and supplements could reduce cancer incidence and mortality at low cost, with few or no adverse effects.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
The researchers reviewed 63 studies on the relationship between vitamin D and certain types of cancer worldwide between 1966 and 2004. The majority of studies found a protective relationship between sufficient vitamin D status and lower risk of cancer, especially in cancers of the colon, breast, prostate and ovary.
Vitamin D is acquired either through the diet or through exposure to sunlight. Food sources include milk, yogurt, cheese, and fortified orange juice. A typical serving provides approximately 100 international units (IU). Researchers suggested that people might want to consider a vitamin supplement to raise their overall intake to 1,000 IU's per day. Supplementing with additional vitamin D could be especially important for people living in northern areas, which receive less vitamin D from sunlight.
The evidence suggests that improving vitamin D status through diet and supplements could reduce cancer incidence and mortality at low cost, with few or no adverse effects.
View the #1 Rated Nutritional Supplement in North America, recipient of the "NutriSearch GOLD Medal of Achievement" award at www.vibranthealthandprosperity.usana.com today!
To your vibrant health,
Mary Wozny
Monday, October 29, 2007
Moving On .... Freedom!
I'm sitting here tonight and want to share a few thoughts with you. And yes, I admit that I've been very quiet over the past few months but that changes right now! We're ramping up here at MillionaireRiches.com!
I am reclaiming a part of my life that has been held hostage throughout this entire divorce process. I have never lost sight of the end goal, but I've got to tell you, it has been tough slugging. As I was constantly told by my team, "you can't negotiate with terrorists" and this describes perfectly what we've been going through.
I thought long and hard though, made some decisions and then put it out to the universe.
I knew with a firm and unfailing belief that it would happen, that this divorce mess would end last week. It was over, plain and simple. I would no longer put any energy into it, it was quite simply going to be finished and resolved. No matter what! I was strong and courageous in my belief. I knew in my soul that I would not deal with nor live with this intolerable situation any longer, that I would not be manipulated or held hostage by the "terrorist" that I was dealing with.
And so I say to you, that at the end of the day, when things were the bleakest, I maintained my faith and focus and made it happen. I spent all day Friday in court with no results. But throughout this process, I had a book with me, "The Power of Now" by Eckhart Tolle.
I've read the book before and was in the process of a second reading as it is so powerful. Strangely enough, I picked it up Friday morning and I read a passage that stated "The present moment is sometimes unacceptable, unpleasant, or awful. It is as it is." It then goes on to state... allow the present moment to be....accept - then act.
I must have read this 30 times that day. But I took heed. I accepted and then I acted. All it took was being willing to let everything go and give up money, money that was my share of our lifes work, but that my ex wanted. In his greed, he wanted it all. So I made him an offer he couldn't refuse. He feels good because he thinks that he's won. I'll bet if you know me, you'll realize that he really didn't.
I am truly the winner here because I am finally free of him, free to reclaim that part of me that he wouldn't let go of, and oh what a relief that is! And so, I had some thoughts on being free to share with you.
Be Truly Free
If you run away from a problem, you will soon encounter an even stronger version of it.
Instead, turn to face the problem, work your way through it, and then it will never be able to hold you back again.
The path to freedom is not through avoidance and denial. For that strategy only ends up heaping more trouble on top of the trouble that's already there.
The path to freedom is through truth, acceptance, effort and determination. There is no problem that can survive such a positive onslaught.
Though it is a pain, though it is an inconvenience, though it is messy and complicated, though it may be embarrassing, go ahead and deal with it. The sooner you deal with a problem, the less of your precious life it will steal from you.
The problems you ignore, avoid, and deny grow stronger. The problems you deal with disappear.
So which outcome would you prefer? Choose to promptly deal with it, and choose to be truly free.
I did and I am free! How could I ever regret that?
No matter the challenges you are facing in your life today, whether it's real estate investments, your business or your relationships, deal with them. Face them head on, resolve them and reclaim your precious life.
I did and I will be forever grateful for having done so.
Warmly,
Mary Wozny
I am reclaiming a part of my life that has been held hostage throughout this entire divorce process. I have never lost sight of the end goal, but I've got to tell you, it has been tough slugging. As I was constantly told by my team, "you can't negotiate with terrorists" and this describes perfectly what we've been going through.
I thought long and hard though, made some decisions and then put it out to the universe.
I knew with a firm and unfailing belief that it would happen, that this divorce mess would end last week. It was over, plain and simple. I would no longer put any energy into it, it was quite simply going to be finished and resolved. No matter what! I was strong and courageous in my belief. I knew in my soul that I would not deal with nor live with this intolerable situation any longer, that I would not be manipulated or held hostage by the "terrorist" that I was dealing with.
And so I say to you, that at the end of the day, when things were the bleakest, I maintained my faith and focus and made it happen. I spent all day Friday in court with no results. But throughout this process, I had a book with me, "The Power of Now" by Eckhart Tolle.
I've read the book before and was in the process of a second reading as it is so powerful. Strangely enough, I picked it up Friday morning and I read a passage that stated "The present moment is sometimes unacceptable, unpleasant, or awful. It is as it is." It then goes on to state... allow the present moment to be....accept - then act.
I must have read this 30 times that day. But I took heed. I accepted and then I acted. All it took was being willing to let everything go and give up money, money that was my share of our lifes work, but that my ex wanted. In his greed, he wanted it all. So I made him an offer he couldn't refuse. He feels good because he thinks that he's won. I'll bet if you know me, you'll realize that he really didn't.
I am truly the winner here because I am finally free of him, free to reclaim that part of me that he wouldn't let go of, and oh what a relief that is! And so, I had some thoughts on being free to share with you.
Be Truly Free
If you run away from a problem, you will soon encounter an even stronger version of it.
Instead, turn to face the problem, work your way through it, and then it will never be able to hold you back again.
The path to freedom is not through avoidance and denial. For that strategy only ends up heaping more trouble on top of the trouble that's already there.
The path to freedom is through truth, acceptance, effort and determination. There is no problem that can survive such a positive onslaught.
Though it is a pain, though it is an inconvenience, though it is messy and complicated, though it may be embarrassing, go ahead and deal with it. The sooner you deal with a problem, the less of your precious life it will steal from you.
The problems you ignore, avoid, and deny grow stronger. The problems you deal with disappear.
So which outcome would you prefer? Choose to promptly deal with it, and choose to be truly free.
I did and I am free! How could I ever regret that?
No matter the challenges you are facing in your life today, whether it's real estate investments, your business or your relationships, deal with them. Face them head on, resolve them and reclaim your precious life.
I did and I will be forever grateful for having done so.
Warmly,
Mary Wozny
Wednesday, September 19, 2007
If You Weren't Able to Make the Call Last Night .....
Wow! We had people from all over the world register for last nights teleconference/webinar with Steve Odette discussing the hottest Market Timing System for professional investors.
We did not 'cap' the enrollments and more enrolled to attend this call than we planned for... some of you couldn't get on either the call or the webcast. And unfortunately we had a couple of technical sound glitches, just have to love technology!
But hey, we perserved...and am I ever glad we did!I was just blown away with what Steve was sharing with us on the call!
I've arranged to share the recording of the webinar with you. I am totally confident this information will help build your investing business and I wanted to make certain that everyone who wanted to hear was able to do so.
This call replay will only be upfor the next 72 hours, so listen NOW!
Here is the recording information:
**************************************
EVENT: "Mary Wozny and MillionaireRiches.com Presents...
""The Ultimate Market Timing System!"TO HEAR THE RECORDING,
CLICK THIS LINK NOW...http://www.MarketTimingMaster.com/mwoz
**************************************
Ken and Steve have made a very special arrangement for you. Don't miss this last chance to benefit from this truly amazing information.
Take advantage of their incredible offer!
Again, here is the recording information:
**************************************
EVENT: "Mary Wozny and MillionairRiches.com Presents...""The Ultimate Market Timing System!"TO HEAR THE RECORDING, CLICK THIS LINK NOW...http://www.MarketTimingMaster.com/mwoz
**************************************
I love this program so much, I joined myself!
This is without question, the one tool that every investor needs to have in their toolbox to leverage their profits and explode them into the stratosphere!
Enjoy the call and let us know if you have any questions.
Click on: http://www.MarketTimingMaster.com/mwoz
Warmly,
Mary Wozny
We did not 'cap' the enrollments and more enrolled to attend this call than we planned for... some of you couldn't get on either the call or the webcast. And unfortunately we had a couple of technical sound glitches, just have to love technology!
But hey, we perserved...and am I ever glad we did!I was just blown away with what Steve was sharing with us on the call!
I've arranged to share the recording of the webinar with you. I am totally confident this information will help build your investing business and I wanted to make certain that everyone who wanted to hear was able to do so.
This call replay will only be upfor the next 72 hours, so listen NOW!
Here is the recording information:
**************************************
EVENT: "Mary Wozny and MillionaireRiches.com Presents...
""The Ultimate Market Timing System!"TO HEAR THE RECORDING,
CLICK THIS LINK NOW...http://www.MarketTimingMaster.com/mwoz
**************************************
Ken and Steve have made a very special arrangement for you. Don't miss this last chance to benefit from this truly amazing information.
Take advantage of their incredible offer!
Again, here is the recording information:
**************************************
EVENT: "Mary Wozny and MillionairRiches.com Presents...""The Ultimate Market Timing System!"TO HEAR THE RECORDING, CLICK THIS LINK NOW...http://www.MarketTimingMaster.com/mwoz
**************************************
I love this program so much, I joined myself!
This is without question, the one tool that every investor needs to have in their toolbox to leverage their profits and explode them into the stratosphere!
Enjoy the call and let us know if you have any questions.
Click on: http://www.MarketTimingMaster.com/mwoz
Warmly,
Mary Wozny
Monday, September 17, 2007
Deal of the Day!
Many of you are looking for new ways and new tools to market your business. A great resource site for all your internet marketing needs is here ===> click http://www.dealdotcom.com/invite/8760/
A different internet marketing product is offered at a deeply discounted price each day.
Check daily by clicking http://www.dealdotcom.com/invite/8760/ to view the daily offerings.
Sign up for your FREE Deal of the Day account NOW at http://www.dealdotcom.com/invite/8760/
Warmly,
Mary Wozny
A different internet marketing product is offered at a deeply discounted price each day.
Check daily by clicking http://www.dealdotcom.com/invite/8760/ to view the daily offerings.
Sign up for your FREE Deal of the Day account NOW at http://www.dealdotcom.com/invite/8760/
Warmly,
Mary Wozny
Thursday, September 13, 2007
Let This Be Your Inspiration!
I received a short video clip today that I want to share with you all. It helps to keep things in perspective.
I am a firm believer in choice. I believe that we as individuals, have a choice how we react to any given situation and that lifes small and big challenges are opportunites for us to grow. It simply comes down to how we choose to react to each thing that happens to us along the way.
You may sit back and say, yeah but...... this bad thing happened to me, or ..... he said/she said, he did/she did this to me. That's all about blame and not accepting responsibility and what "is".
Accept and let go, choose to reframe your thoughts into positive actions and see all the wondrous blessings that life has for you.
I want you to watch this video http://www.aish.com/movies/blinkofeye.asp and then think hard about what YOU believe you can't do. Don't let your thoughts and choices stop you from achieving your wishes and dreams!
If this man can do what he has, what is stopping you?
Click here to view this now http://www.aish.com/movies/blinkofeye.asp
Warmly,
Mary Wozny
I am a firm believer in choice. I believe that we as individuals, have a choice how we react to any given situation and that lifes small and big challenges are opportunites for us to grow. It simply comes down to how we choose to react to each thing that happens to us along the way.
You may sit back and say, yeah but...... this bad thing happened to me, or ..... he said/she said, he did/she did this to me. That's all about blame and not accepting responsibility and what "is".
Accept and let go, choose to reframe your thoughts into positive actions and see all the wondrous blessings that life has for you.
I want you to watch this video http://www.aish.com/movies/blinkofeye.asp and then think hard about what YOU believe you can't do. Don't let your thoughts and choices stop you from achieving your wishes and dreams!
If this man can do what he has, what is stopping you?
Click here to view this now http://www.aish.com/movies/blinkofeye.asp
Warmly,
Mary Wozny
Wednesday, September 12, 2007
Here's Your Bonus!
Here's your Bonus Surprise...
==> http://www.2474x.com/go2.php?c=MW-Members
Do you "Trade Online" or play "The Real Estate Game"?
Watch you all you stock and options guys
If you consider yourself a "Trader" of any kind (stocks, options or even Forex), then keep reading...
If you call yourself a "Real Estate Investor", perhaps now is as good a time as any to learn something new in only 20 min per day to help diversify your investment portfolio...
...Because next week, on Tuesday, September 18th, the Forex trading community is in for a shake down...
Why? Because I was privileged to put my hands on a preview copy of what will probably be considered one of the best Forex trading courses ever released to the public.
No joke!
Everything about it is first class... and easy to understand.
I'll have more info for you on September 18th, but I've managed to get you special permission to give you private access to their Members Website Preview so you can get "up close & personal"
with this trading course before the rest of the world.
You see, the author of the course is only releasing 950 copies from September 18th to September 25th... but here's the problem:
He already has 20,000+ traders interested in it. So he just doesn't have enough inventory to go around.
That's why he's letting me give you complimentary access to his Members Website Preview, but only until September 18th. He wants to weed out the "tire kickers" so that only the traders who are truly serious about discovering how to trade Forex in less then 20 minutes a day can get a copy of the course.
Incidentally, September 18th is when the Members Website Preview closes down and re-opens only for students of his new course.
Can't wait any longer...
==> http://www.2474x.com/go2.php?c=MW-Members
Here are just a few of the goodies you'll get on the preview site, beginning TODAY:
** Total access to his PIP FEEDER service where you can get daily lists of the Forex pairs that have met his rigorous trade alert criteria. In fact, these are Forex pairs that have a high probability of entering into potentially profitable positions any day now. He'll eventually be charging $197/mo. for this service, but it's complimentary on the Members Website Preview.
** The "Pip Vault", which contains actual Forex trade example "screen capture" videos, so you can see exactly how his students can trade in less then 20 minutes a night.
** Bonus Forex tutorials, including a very detailed lesson on the in's and out's of Forex trading using one of the most popular charting and trading software packages on the market.
** Previews of the actual CD-ROM's that ship with the course so you can see exactly the type of material that's on them.
** and a TON more...
But don't take my word for it. Go ahead and check it out now by visiting the web page here now:
==> http://www.2474x.com/go2.php?c=MW-Members
Good Trading,
Mary Wozny
p.s. Remember, this complimentary preview access WILL expire on Tuesday, September 18th, so I urge you to get in now while you can if you have any interest learning how to dramatically up your "pip potential" while saving hours a day at the same time.
==> http://www.2474x.com/go2.php?c=MW-Members
To Your Prosperity,
Mary Wozny
==> http://www.2474x.com/go2.php?c=MW-Members
Do you "Trade Online" or play "The Real Estate Game"?
Watch you all you stock and options guys
If you consider yourself a "Trader" of any kind (stocks, options or even Forex), then keep reading...
If you call yourself a "Real Estate Investor", perhaps now is as good a time as any to learn something new in only 20 min per day to help diversify your investment portfolio...
...Because next week, on Tuesday, September 18th, the Forex trading community is in for a shake down...
Why? Because I was privileged to put my hands on a preview copy of what will probably be considered one of the best Forex trading courses ever released to the public.
No joke!
Everything about it is first class... and easy to understand.
I'll have more info for you on September 18th, but I've managed to get you special permission to give you private access to their Members Website Preview so you can get "up close & personal"
with this trading course before the rest of the world.
You see, the author of the course is only releasing 950 copies from September 18th to September 25th... but here's the problem:
He already has 20,000+ traders interested in it. So he just doesn't have enough inventory to go around.
That's why he's letting me give you complimentary access to his Members Website Preview, but only until September 18th. He wants to weed out the "tire kickers" so that only the traders who are truly serious about discovering how to trade Forex in less then 20 minutes a day can get a copy of the course.
Incidentally, September 18th is when the Members Website Preview closes down and re-opens only for students of his new course.
Can't wait any longer...
==> http://www.2474x.com/go2.php?c=MW-Members
Here are just a few of the goodies you'll get on the preview site, beginning TODAY:
** Total access to his PIP FEEDER service where you can get daily lists of the Forex pairs that have met his rigorous trade alert criteria. In fact, these are Forex pairs that have a high probability of entering into potentially profitable positions any day now. He'll eventually be charging $197/mo. for this service, but it's complimentary on the Members Website Preview.
** The "Pip Vault", which contains actual Forex trade example "screen capture" videos, so you can see exactly how his students can trade in less then 20 minutes a night.
** Bonus Forex tutorials, including a very detailed lesson on the in's and out's of Forex trading using one of the most popular charting and trading software packages on the market.
** Previews of the actual CD-ROM's that ship with the course so you can see exactly the type of material that's on them.
** and a TON more...
But don't take my word for it. Go ahead and check it out now by visiting the web page here now:
==> http://www.2474x.com/go2.php?c=MW-Members
Good Trading,
Mary Wozny
p.s. Remember, this complimentary preview access WILL expire on Tuesday, September 18th, so I urge you to get in now while you can if you have any interest learning how to dramatically up your "pip potential" while saving hours a day at the same time.
==> http://www.2474x.com/go2.php?c=MW-Members
To Your Prosperity,
Mary Wozny
Thursday, September 6, 2007
REI Takes A Blow - Investors Look Elsewhere
(Read this ENTIRE post as it might
have a DIRECT IMPACT ON YOU.)
By now you've heard about the fall of the stock market...
and if you're like me the question floating around in your head goes something like this...
"If the world economy has affect on everything, and the stock market keeps falling, how will this affect my current assets and real estate portfolio?"
Well I've been on the lookout for some additional ways to help diversify my investing portfolio...
...you know the old saying;
"Don't keep all your eggs in one basket"
I've come across an investment vehicle that overcomes 90% of the burdens and barriers of the Real Estate Investing game.
If you're ready to say good bye to:
* The Headaches of Fixing, Flipping and Rehab
* The Overpriced Legal Fees and Contracts
* Trying to be Approved For Your Next Loan
* Dealing with Angry or Annoyed Tenants
* And the list goes on...
Then this post may just be your solution...
In a HURRY? Get it now:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
Here's the story:
-----------------
One of the top online trading mentors has just released a landmark Forex report that's not only going to ruffle some feathers...
...it's going to challenge everything that 90% of most Forex traders hold to be true.
So if you have ANY interest in discovering how to ride the "coat tails" of the big banks to maximize your "Profit Potential", you're in for a TREAT.
Take this 5 Question Quiz and test your skills as an investor...
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
STAY WITH ME HERE
-----------------
This "Mega Trader" who put this 55-page monster report together recently surveyed over 50,000 people to find out what their biggest concerns, questions, and challenges were around Forex trading.
Including why anyone in Real Estate would want to trade Forex...
...he spilled the beans on the cold, hard reality of the Forex markets
- to your benefit.
Here's why...
Not only does he reveal his answers to the top 20 questions his readers asked him, but he completely cracks open and obliterates the unfounded confusion that seems to plague most Forex traders.
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
20 MINUTES A DAY?
-----------------
Find out how the author spends just 20 minutes a day with TOTAL confidence in the Forex markets, identifying more profit potential in that time than most traders spend hours trying to squeeze out of their favorite tools and services.
You'll also learn:
** How to "shake out" the good Forex brokers from the unscrupulous ones. Many brokers won't be prepared when you ask them these 5 questions (page 12).
** His "insiders formula" on how to determine the best mix of technical indicators to use when trading Forex pairs (page 23).
** Step-by-step tactics for applying his "Optimal Profit Exit Strategy". This is one of his favorite ways to enjoy profit- taking as quickly as possible (page 32).
** How he was able to drastically reduce his "time in the trenches" trading Forex by spending only 20 minutes a day. These
2 discoveries made it all possible (page 42).
** ...plus, there's a TON more you'll get to sink your teeth into when you download this report.
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
---------------------------
WHY HE'S GIVING IT ALL AWAY
---------------------------
When I snuck a look at a preview copy of this report, I thought for sure I'd see it for sale online in a few days. In fact, I'd personally pay at least 50 or 60 bucks for this...
But here's the kicker - it's not for sale (at least not right now).
You can't even purchase a copy if you wanted to.
But the author really has a deep-seated drive to "shake up" the Forex community, and that's why he decided to GIVE IT AWAY.
In his own words he says, "I want to de-mystify the Forex markets once and for all. So I sat down to write this report as if I was under oath, being grilled by an attorney. That's how direct and forthcoming it is."
--------------------
HOW TO GET YOUR COPY
--------------------
To get your copy, just visit this web page right now:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
By the way, you also have the author's permission to give away copies of this report to anyone you think needs some "first aid" for their Real Estate profit portfolio.
I hope you enjoy it as much as I have.
Your's for Bigger Profits,
Mary Wozny
P.S. This is a HUGE report. Take your time and read it all, but hurry and download it. Why? Because it's so large, it could be taken offline at any moment if the author's web server "bandwidth" gets eaten up with all the requests for the report.
You can get it here:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
To Your Prosperity,
Mary Wozny
'Helping 100,000 Women & Families Achieve Financial F-r-e-e-dom'
have a DIRECT IMPACT ON YOU.)
By now you've heard about the fall of the stock market...
and if you're like me the question floating around in your head goes something like this...
"If the world economy has affect on everything, and the stock market keeps falling, how will this affect my current assets and real estate portfolio?"
Well I've been on the lookout for some additional ways to help diversify my investing portfolio...
...you know the old saying;
"Don't keep all your eggs in one basket"
I've come across an investment vehicle that overcomes 90% of the burdens and barriers of the Real Estate Investing game.
If you're ready to say good bye to:
* The Headaches of Fixing, Flipping and Rehab
* The Overpriced Legal Fees and Contracts
* Trying to be Approved For Your Next Loan
* Dealing with Angry or Annoyed Tenants
* And the list goes on...
Then this post may just be your solution...
In a HURRY? Get it now:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
Here's the story:
-----------------
One of the top online trading mentors has just released a landmark Forex report that's not only going to ruffle some feathers...
...it's going to challenge everything that 90% of most Forex traders hold to be true.
So if you have ANY interest in discovering how to ride the "coat tails" of the big banks to maximize your "Profit Potential", you're in for a TREAT.
Take this 5 Question Quiz and test your skills as an investor...
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
STAY WITH ME HERE
-----------------
This "Mega Trader" who put this 55-page monster report together recently surveyed over 50,000 people to find out what their biggest concerns, questions, and challenges were around Forex trading.
Including why anyone in Real Estate would want to trade Forex...
...he spilled the beans on the cold, hard reality of the Forex markets
- to your benefit.
Here's why...
Not only does he reveal his answers to the top 20 questions his readers asked him, but he completely cracks open and obliterates the unfounded confusion that seems to plague most Forex traders.
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
-----------------
20 MINUTES A DAY?
-----------------
Find out how the author spends just 20 minutes a day with TOTAL confidence in the Forex markets, identifying more profit potential in that time than most traders spend hours trying to squeeze out of their favorite tools and services.
You'll also learn:
** How to "shake out" the good Forex brokers from the unscrupulous ones. Many brokers won't be prepared when you ask them these 5 questions (page 12).
** His "insiders formula" on how to determine the best mix of technical indicators to use when trading Forex pairs (page 23).
** Step-by-step tactics for applying his "Optimal Profit Exit Strategy". This is one of his favorite ways to enjoy profit- taking as quickly as possible (page 32).
** How he was able to drastically reduce his "time in the trenches" trading Forex by spending only 20 minutes a day. These
2 discoveries made it all possible (page 42).
** ...plus, there's a TON more you'll get to sink your teeth into when you download this report.
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
---------------------------
WHY HE'S GIVING IT ALL AWAY
---------------------------
When I snuck a look at a preview copy of this report, I thought for sure I'd see it for sale online in a few days. In fact, I'd personally pay at least 50 or 60 bucks for this...
But here's the kicker - it's not for sale (at least not right now).
You can't even purchase a copy if you wanted to.
But the author really has a deep-seated drive to "shake up" the Forex community, and that's why he decided to GIVE IT AWAY.
In his own words he says, "I want to de-mystify the Forex markets once and for all. So I sat down to write this report as if I was under oath, being grilled by an attorney. That's how direct and forthcoming it is."
--------------------
HOW TO GET YOUR COPY
--------------------
To get your copy, just visit this web page right now:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
By the way, you also have the author's permission to give away copies of this report to anyone you think needs some "first aid" for their Real Estate profit portfolio.
I hope you enjoy it as much as I have.
Your's for Bigger Profits,
Mary Wozny
P.S. This is a HUGE report. Take your time and read it all, but hurry and download it. Why? Because it's so large, it could be taken offline at any moment if the author's web server "bandwidth" gets eaten up with all the requests for the report.
You can get it here:
==> www.forexprofitaccelerator.com/z/?i=353179&l=f3
To Your Prosperity,
Mary Wozny
'Helping 100,000 Women & Families Achieve Financial F-r-e-e-dom'
Friday, August 24, 2007
Problem Free????
With so many uncertainties in the real estate market nowadays, I was reflecting and thinking that this would be of value to you. Read it and absorb what it is saying to you. Practice it and see your lives and what you are currently experiencing in your real estate business, or in any other circumstance for that matter, see it from this perspective and recognize that something only becomes a "problem" if you allow it to and if you think of it in those terms. If you believe it is a problem then so it shall be!
How many new and ambitious efforts would you undertake if you knew for sure that there would be no problems?
And how many worthwhile achievements do you avoid because you fear that there will be problems?
And yes, you always have what it takes to work through those problems without being overwhelmed by them.
In order to be free of problems, you do not need to avoid those problems.
You can be surrounded by all sorts of complex problems, deeply involved in working through those problems, and still be free of them.
Because the problems will get to you only to the extent that you allow them to do so.
You can give your time, effort and attention to the problems while at the same time keeping your precious, innermost self completely detached from them.
Success is attained not by avoiding problems.
Spectacular success comes when you can thoroughly deal with the problems wihtout letting them pull you down.
Learn to keep the inner part of you problem free. And no problem will ever be a "problem" for you!
Warmly,
Mary Wozny
How many new and ambitious efforts would you undertake if you knew for sure that there would be no problems?
And how many worthwhile achievements do you avoid because you fear that there will be problems?
And yes, you always have what it takes to work through those problems without being overwhelmed by them.
In order to be free of problems, you do not need to avoid those problems.
You can be surrounded by all sorts of complex problems, deeply involved in working through those problems, and still be free of them.
Because the problems will get to you only to the extent that you allow them to do so.
You can give your time, effort and attention to the problems while at the same time keeping your precious, innermost self completely detached from them.
Success is attained not by avoiding problems.
Spectacular success comes when you can thoroughly deal with the problems wihtout letting them pull you down.
Learn to keep the inner part of you problem free. And no problem will ever be a "problem" for you!
Warmly,
Mary Wozny
Sunday, August 19, 2007
New Home Construction Slowest in Decade!
Reports just in from the US Commerce Department state that construction of new homes and apartments dropped 6.1% last month to a seasonally adjusted annual rate of 1.38 million units. That was down 20.9% from the pace of activity a year ago and represents the slowest pace since January 1997.
Builders are slashing prices and throwing in various incentives in an effort to unload record levels of unsold homes. Problems have been worsened by rising home foreclosures, especially in the subprime market, a development which is dumping even more homes onto the glutted market. The current housing slump is the worst since a downturn that occurred during an economic recession in 1990-91. Housing construction fell in all parts of the country except the Midwest which posted a 2.6% increase in July.
The drop in housing construction followed news from the National Association of Realtors that sales of existing homes fell in 41 states in the April-June quarter while one-third of metropolitan areas surveyed experienced price declines. NAR reports that its barometer of builder confidence dipped by 2 points in early August to 22 points, the lowest reading since January 1991 when the country was going through another severe housing downturn.
While this is gloomy news indeed for homeowners and investors alike, there is always opportunity in the marketplace. Investors should always use prudence in their investment decisions, even more importantly so in this type of market. Remember though, from an investors point of view, this is often when you can get your best deals so don't despair!
Go out and look for the opportunity in your marketplace!
Prosperously yours,
Mary Wozny
Builders are slashing prices and throwing in various incentives in an effort to unload record levels of unsold homes. Problems have been worsened by rising home foreclosures, especially in the subprime market, a development which is dumping even more homes onto the glutted market. The current housing slump is the worst since a downturn that occurred during an economic recession in 1990-91. Housing construction fell in all parts of the country except the Midwest which posted a 2.6% increase in July.
The drop in housing construction followed news from the National Association of Realtors that sales of existing homes fell in 41 states in the April-June quarter while one-third of metropolitan areas surveyed experienced price declines. NAR reports that its barometer of builder confidence dipped by 2 points in early August to 22 points, the lowest reading since January 1991 when the country was going through another severe housing downturn.
While this is gloomy news indeed for homeowners and investors alike, there is always opportunity in the marketplace. Investors should always use prudence in their investment decisions, even more importantly so in this type of market. Remember though, from an investors point of view, this is often when you can get your best deals so don't despair!
Go out and look for the opportunity in your marketplace!
Prosperously yours,
Mary Wozny
Friday, August 17, 2007
Why Go To A Professional?
The media in both Canada and the US is full of stories on the tumbling mortgage market and the uncertainty about rates. Especially at times like this, it is more important than ever to use the services of a mortgage professional.
In Canada, the Accredited Mortgage Professional, or AMP, is Canada's only national mortgage designation. The AMP designation was introduced to raise the bar of professionalism in the mortgage industry and requires indivduals to have at least two years of work experience in the mortgage industry and to show proficiency in understanding the mortgage industry by taking an entry course on duties and ethics. This includes issues such as mortgage fraud, regulations affecting the industry, and sound ethical practices. They are also required to take at least 10 hours of continuing education each year to update their knowledge.
AMPs are dedicated to offering in-depth product knowledge and service and can provide tailored solutions for your borrowing and investing needs. Discounts on posted rates are common as are new products offering longer amortizations. Canada is now offering some products that were previously exclusive to US investors, such as no doc loans and stated income. This helps not only a real estate investor, but all self-employed business people and entrepreneurs as well! I say FINALLY, it's about time!
For all our Canadian investors, a good resource for your mortgage needs, whether first time homebuyer or savy real estate investor can be found at www.briandgrant.com. He and his team of qualified AMPs can service your needs in any province in Canada.
To your successful investing!
Mary Wozny
In Canada, the Accredited Mortgage Professional, or AMP, is Canada's only national mortgage designation. The AMP designation was introduced to raise the bar of professionalism in the mortgage industry and requires indivduals to have at least two years of work experience in the mortgage industry and to show proficiency in understanding the mortgage industry by taking an entry course on duties and ethics. This includes issues such as mortgage fraud, regulations affecting the industry, and sound ethical practices. They are also required to take at least 10 hours of continuing education each year to update their knowledge.
AMPs are dedicated to offering in-depth product knowledge and service and can provide tailored solutions for your borrowing and investing needs. Discounts on posted rates are common as are new products offering longer amortizations. Canada is now offering some products that were previously exclusive to US investors, such as no doc loans and stated income. This helps not only a real estate investor, but all self-employed business people and entrepreneurs as well! I say FINALLY, it's about time!
For all our Canadian investors, a good resource for your mortgage needs, whether first time homebuyer or savy real estate investor can be found at www.briandgrant.com. He and his team of qualified AMPs can service your needs in any province in Canada.
To your successful investing!
Mary Wozny
Thursday, August 16, 2007
How Belief Systems Contribute to Your Success
What's the difference between a real estate millionaire, and someone who is broke? It’s their “behavioral programming”.
To create financial freedom in real estate, it comes down to the software that runs your mind…your subconscious thoughts that create your beliefs about what you can achieve, what you deserve, and the habits you put intoaction to attain your goals in life.
As you were growing up, you may have been told, for example, that “real estate is hard”, or that “real estate is risky business”, or that “there's no such thing as creative real estate”.
Worse, you may have been told that you'd never achieve – or deserved – financial independence.
Unfortunately, those belief systems gave you a different approach to what creating financial freedom with real estate is all about, rather than the belief systems of someone who thinks that “money is the chance to contribute” or “real estate deals are everywhere – and with the right knowledge, I can achieve financial freedom in real estate.”
The fact is, you will have much easier time investing in real estate if you believe that you deserve financial freedom becausemoney allows you to contribute to good causes and to reach your goals.
This simple programming can truly build a successful real estate investing business for you.
Each time you find yourself having a negative thought about achieving financial freedom or real estate success, replace it with a new belief.
You and you alone have the power to effect positive change in your life and your business. Make the decision to change your negative belief systems today and create a better reality for yourself.
Prosperously yours,
Mary Wozny
To create financial freedom in real estate, it comes down to the software that runs your mind…your subconscious thoughts that create your beliefs about what you can achieve, what you deserve, and the habits you put intoaction to attain your goals in life.
As you were growing up, you may have been told, for example, that “real estate is hard”, or that “real estate is risky business”, or that “there's no such thing as creative real estate”.
Worse, you may have been told that you'd never achieve – or deserved – financial independence.
Unfortunately, those belief systems gave you a different approach to what creating financial freedom with real estate is all about, rather than the belief systems of someone who thinks that “money is the chance to contribute” or “real estate deals are everywhere – and with the right knowledge, I can achieve financial freedom in real estate.”
The fact is, you will have much easier time investing in real estate if you believe that you deserve financial freedom becausemoney allows you to contribute to good causes and to reach your goals.
This simple programming can truly build a successful real estate investing business for you.
Each time you find yourself having a negative thought about achieving financial freedom or real estate success, replace it with a new belief.
You and you alone have the power to effect positive change in your life and your business. Make the decision to change your negative belief systems today and create a better reality for yourself.
Prosperously yours,
Mary Wozny
Monday, August 13, 2007
Unpleasant Surprises!
Life sometime unfolds in ways you never could have anticipated or imagined. This is something that happens to us in our day to day life and can certainly come up for us in our real estate businesses.
Even the most carefully laid plans can be turned upside down by something totally unforseen. We've all seen this happen!
When that happens you could moan, complain, yell, scream, throw things and dive into a fog of self pity.
But none of that would bring you anything of value.
When one of life's unpleasant surprises comes along, you may be tempted to use it as an excuse for becoming depressed, despondent, and giving up.
But do you really want ot choose to be miserable and ineffective?
Instead, realize that a positive response is every bit as possible and realistic as a negative one, and a whole lot more beneficial for you.
When events knock you off balance, use the occasion not as an excuse to give up, but rather as a reason to push forward with even more determination.
When a ship gets blown off course to the east, a good captain will steer the vessel back to the west.
In the same way, when life pushes you in a negative direction, your best response is to push back even more positively than before.
When an unpleasant surprise comes along, that's a great time for you to create a surprise of your own.
Surprise the world with how positive you can be and everyone will quickly be moving forward again.
Warmly,
Mary Wozny
Even the most carefully laid plans can be turned upside down by something totally unforseen. We've all seen this happen!
When that happens you could moan, complain, yell, scream, throw things and dive into a fog of self pity.
But none of that would bring you anything of value.
When one of life's unpleasant surprises comes along, you may be tempted to use it as an excuse for becoming depressed, despondent, and giving up.
But do you really want ot choose to be miserable and ineffective?
Instead, realize that a positive response is every bit as possible and realistic as a negative one, and a whole lot more beneficial for you.
When events knock you off balance, use the occasion not as an excuse to give up, but rather as a reason to push forward with even more determination.
When a ship gets blown off course to the east, a good captain will steer the vessel back to the west.
In the same way, when life pushes you in a negative direction, your best response is to push back even more positively than before.
When an unpleasant surprise comes along, that's a great time for you to create a surprise of your own.
Surprise the world with how positive you can be and everyone will quickly be moving forward again.
Warmly,
Mary Wozny
Saturday, August 11, 2007
Should I Invest In Foreclosures?
Absolutely, YES!
Foreclosures are HOT right now and as a savy real estate investor, you'll want to get in on these opportunities now, especially using a short sale strategy.
There are a number of reasons contributing to the hot foreclosure market, some of which you may have seen or already experienced in your own markets.
Lender problems are changing the market right now with stricter lending guidelines and qualifications. Regular bank financing is getting more difficult for the home buyer market as well as the investor market. Slowing sales in some markets along with the accompanying media hype have the public believing the real estate market has crashed and have resulted in large price drops.
Overall buyer demand is down due to concerns in the housing market and difficult lender qualifications. Housing inventory is up because of this and because many builders were building for the speculative investor market which has stopped entirely. In an attempt to influence sales, many builders have cut prices and added incentives. In the lending area, many balloons are coming due and ARMS are adjusting resulting in higher payments which consumers aren't expecting and can't afford.
It's definitely a time to get involved in the foreclosure market and use your short sale strategies!
Happy Investing!
Mary Wozny
Foreclosures are HOT right now and as a savy real estate investor, you'll want to get in on these opportunities now, especially using a short sale strategy.
There are a number of reasons contributing to the hot foreclosure market, some of which you may have seen or already experienced in your own markets.
Lender problems are changing the market right now with stricter lending guidelines and qualifications. Regular bank financing is getting more difficult for the home buyer market as well as the investor market. Slowing sales in some markets along with the accompanying media hype have the public believing the real estate market has crashed and have resulted in large price drops.
Overall buyer demand is down due to concerns in the housing market and difficult lender qualifications. Housing inventory is up because of this and because many builders were building for the speculative investor market which has stopped entirely. In an attempt to influence sales, many builders have cut prices and added incentives. In the lending area, many balloons are coming due and ARMS are adjusting resulting in higher payments which consumers aren't expecting and can't afford.
It's definitely a time to get involved in the foreclosure market and use your short sale strategies!
Happy Investing!
Mary Wozny
Friday, August 10, 2007
Assignments of Contracts
I've received a number of questions from people experiencing a similar problem with Assignment of Contracts that I want to address here.
They are putting a property under contract and then assigning it to another buyer. The problem they are having is that the new buyers were not closing on the properties which resulted in the loss of their reputation. This was the first concern they told me about.
When I delved deeper into how they were actually doing this, I found out that they were only receiving a small amount of money for the contract at the time of the assignment, typically just enough to repay them for the deposit that had been given to the seller, and the balance of the assignment fee was to be paid to them when the new buyer closed on the property.
I realize that some people do practice in this manner, but I will not. You are operating a business here. Experience has shown me that the above scenario is precisely what can and has happened! You end up not only with a damaged reputation, but you have lost your assignment fee AND you have lost the contract on the property because your new buyer has failed to honor his contractual commitment.
By accepting only a small portion of the assignment fee up front, you are setting yourself up for a possible failure. Your buyer does not have enough money invested in the deal to prevent him from not closing. It's simply math and human nature .... if you had $100 down on a property and couldn't close, it would be very simple to walk away from the loss of that money. But .... if you had $5000 down and already paid out for an assignment fee and invested in that same property, how easily would you walk away from that? Certainly if you've come up with some financing challenges that may or may not prevent you from closing on the property, it may be difficult for you, but I doubt you would give up very easily when you already have that amount of money invested. You would be diligent in making sure the deal would close!
After all, who wants to walk away from $5000 and just lose it! Understand the human dynamics at play, and ensure that you operate your real estate investing business as a business because that is precisely what it is!
Once you have assigned your property to another buyer, make sure you have been paid in full for your assignment fee and that you are released from all further interests and claims in the property. I also have a very specific time frame to receive the payment of these funds from a buyer, if they have not paid within this time period, usually 48 hours, then the assignment of contract is null and void and I offer the property to another buyer.
Assignment of contracts is an excellent vehicle for you to earn quick amounts of cash as long as you protect your interests at all times. Hope this helps!
Warmly,
Mary
"The beauty of the soul shines out when a person bears with composure one mischance after another, not because he does not feel them,
but because he is one of high and heroic temper." Aristotle
They are putting a property under contract and then assigning it to another buyer. The problem they are having is that the new buyers were not closing on the properties which resulted in the loss of their reputation. This was the first concern they told me about.
When I delved deeper into how they were actually doing this, I found out that they were only receiving a small amount of money for the contract at the time of the assignment, typically just enough to repay them for the deposit that had been given to the seller, and the balance of the assignment fee was to be paid to them when the new buyer closed on the property.
I realize that some people do practice in this manner, but I will not. You are operating a business here. Experience has shown me that the above scenario is precisely what can and has happened! You end up not only with a damaged reputation, but you have lost your assignment fee AND you have lost the contract on the property because your new buyer has failed to honor his contractual commitment.
By accepting only a small portion of the assignment fee up front, you are setting yourself up for a possible failure. Your buyer does not have enough money invested in the deal to prevent him from not closing. It's simply math and human nature .... if you had $100 down on a property and couldn't close, it would be very simple to walk away from the loss of that money. But .... if you had $5000 down and already paid out for an assignment fee and invested in that same property, how easily would you walk away from that? Certainly if you've come up with some financing challenges that may or may not prevent you from closing on the property, it may be difficult for you, but I doubt you would give up very easily when you already have that amount of money invested. You would be diligent in making sure the deal would close!
After all, who wants to walk away from $5000 and just lose it! Understand the human dynamics at play, and ensure that you operate your real estate investing business as a business because that is precisely what it is!
Once you have assigned your property to another buyer, make sure you have been paid in full for your assignment fee and that you are released from all further interests and claims in the property. I also have a very specific time frame to receive the payment of these funds from a buyer, if they have not paid within this time period, usually 48 hours, then the assignment of contract is null and void and I offer the property to another buyer.
Assignment of contracts is an excellent vehicle for you to earn quick amounts of cash as long as you protect your interests at all times. Hope this helps!
Warmly,
Mary
"The beauty of the soul shines out when a person bears with composure one mischance after another, not because he does not feel them,
but because he is one of high and heroic temper." Aristotle
Thursday, August 9, 2007
Build a 100K Opt-In Viral List in 30 Days
If you're in a rush after seeing this title then click here...http://ListDotCom.com/salespage/71253
I just had the pleasure of working with a friendof mine, Mike Filsaime. He launched a great site that will definitely HIT theInternet marketing industry BIG TIME.
In my mind, I was thinking that it can't be another site. I've heard the hype too many times.
However, when I viewed his site at:
http://ListDotCom.com/salespage/71253
I said," Oh My Gosh"
I could almost feel the heat from other Viral MarketingExperts!!
Mike Filsaime's idea will definitely make a big hit andmake you lots of residual income online, ONLY if you join for F.R.E.E. during this pre-launch period.YES!! IT'S F.R.E.E.=>
How does it work, Mary Wozny?
You see, when you join today, you'll have benefits such as:
1. Make TREMENDOUS amount of residual income when people in your downline purchase products that are being advertised inside the program.
2. Email all your downline up to 20 Levels.
It means that you're able to sell, to those in your downline, everything you wanted to, whenever you have a product that has a high conversion rate.
Imagine this...If you can have a 25,000, 35,000 or even a 50,000 downline from level 2 - level 10? How many prospects are you talking about in here? Would you like to have 25,000 people who will listen to your offer TODAY?
Now, you can have it all!!
I urge you to drop everything and go to the site right now at:
http://ListDotCom.com/salespage/71253
Guess What? It's F.R.E.E.!!
And it only takes 5 minutes to sign up :)
Success is Yours,
Mary Wozny
P.S. How many times have you said to yourself I wish I had a 25,000 list, so I am able to make a living online?
P.P.S.I joined in 2 seconds just because of $97 book they give you just for Joining!!OOOOH!!
P.P.P.S!Make SURE you pay attention "AS SOON AS YOU JOIN!"Get ready to freak! I did:::
I just had the pleasure of working with a friendof mine, Mike Filsaime. He launched a great site that will definitely HIT theInternet marketing industry BIG TIME.
In my mind, I was thinking that it can't be another site. I've heard the hype too many times.
However, when I viewed his site at:
http://ListDotCom.com/salespage/71253
I said," Oh My Gosh"
I could almost feel the heat from other Viral MarketingExperts!!
Mike Filsaime's idea will definitely make a big hit andmake you lots of residual income online, ONLY if you join for F.R.E.E. during this pre-launch period.YES!! IT'S F.R.E.E.=>
How does it work, Mary Wozny?
You see, when you join today, you'll have benefits such as:
1. Make TREMENDOUS amount of residual income when people in your downline purchase products that are being advertised inside the program.
2. Email all your downline up to 20 Levels.
It means that you're able to sell, to those in your downline, everything you wanted to, whenever you have a product that has a high conversion rate.
Imagine this...If you can have a 25,000, 35,000 or even a 50,000 downline from level 2 - level 10? How many prospects are you talking about in here? Would you like to have 25,000 people who will listen to your offer TODAY?
Now, you can have it all!!
I urge you to drop everything and go to the site right now at:
http://ListDotCom.com/salespage/71253
Guess What? It's F.R.E.E.!!
And it only takes 5 minutes to sign up :)
Success is Yours,
Mary Wozny
P.S. How many times have you said to yourself I wish I had a 25,000 list, so I am able to make a living online?
P.P.S.I joined in 2 seconds just because of $97 book they give you just for Joining!!OOOOH!!
P.P.P.S!Make SURE you pay attention "AS SOON AS YOU JOIN!"Get ready to freak! I did:::
Tuesday, August 7, 2007
Los Angeles Real Estate
While the overwhelming majority of the United States is facing a housing bubble ready to burst, or if you live in some east coast cities, it already has, the state of California appears to be a world unto itself. How else can you explain the fact that while a legitimate housing recession appears ready to take hold elsewhere, in California, all is peaceful and profitable. Even with experts predicting an inevitable fall to the LA housing market at the beginning of 2007, numbers are still up in most sectors during the first quarter of this year. Will 2007 finally be the year we see the leveling off of the red hot California housing market or is this a rocket ride that isn’t going to end anytime soon?
According to a recent L.A. Times article evaluating the first quarter numbers, the real estate market in the City of Angels is a complicated patchwork depending on the type of home you’re looking for. Overall, March sales were down 4.6 percent over March of 2006, but if you are looking either for a palace that is worth millions, or an entry level home that is on the cheapest end of the spectrum, home sales are still showing amazing growth. It is the homes in between that seem to be faltering during the first part of 2007.
Statewide, things aren’t looking as promising. Some cities in California showed a drop of over 20 percent from last year, but the major cities like San Francisco, L.A. and San Diego are still performing well, albeit not as well as in previous years.
So, this leads to the natural question, will this recession last or is the allure of living in California too much to resist? The first thing you need to recognize is that California really can’t be compared to any other housing markets anywhere else in the country. While the housing downturn that has gripped the eastern US for the last few years has finally infiltrated California, you can bet that not only will it not hit the Golden State as hard as it did out east, but that California will recover faster and stronger than any other state in the union.
It is impossible to downplay the attraction of living in California for many people, and while home prices may seem to be out of reach for many families, California is a big enough state to have small towns that can accommodate young investors as well as low income families looking to live out the American dream.
That’s why experts are in near total agreement that while California may experience a short lived downturn in the housing market that could last the rest of 2007, it is a blip on the radar screen when it comes to the long term real estate health of Los Angeles and California over the next few decades. There are simply too many people looking to buy a home in LA and too many people tired of Ohio and New York winters who will move to California over the next 5-10-20 years to take a temporary downturn in the housing market as anything other than an anomaly.
There are very few “guaranteed” investments anymore, and this is especially true with real estate. But unless California breaks off the North American continent within the next few years, the housing market throughout the state will remain strong and a very smart investment for anyone looking to turn a profit.
How long should you avoid the California and Los Angeles housing market? Don’t expect the bottom to fall out, there is just too much demand for that to happen anytime soon. Expect no longer than a year slump, if that long, as soon as economic indicators show a recovery, you would be smart to dump everything you have because this slump is likely to be followed by another decade long climb.
Warmly,
Mary Wozny
According to a recent L.A. Times article evaluating the first quarter numbers, the real estate market in the City of Angels is a complicated patchwork depending on the type of home you’re looking for. Overall, March sales were down 4.6 percent over March of 2006, but if you are looking either for a palace that is worth millions, or an entry level home that is on the cheapest end of the spectrum, home sales are still showing amazing growth. It is the homes in between that seem to be faltering during the first part of 2007.
Statewide, things aren’t looking as promising. Some cities in California showed a drop of over 20 percent from last year, but the major cities like San Francisco, L.A. and San Diego are still performing well, albeit not as well as in previous years.
So, this leads to the natural question, will this recession last or is the allure of living in California too much to resist? The first thing you need to recognize is that California really can’t be compared to any other housing markets anywhere else in the country. While the housing downturn that has gripped the eastern US for the last few years has finally infiltrated California, you can bet that not only will it not hit the Golden State as hard as it did out east, but that California will recover faster and stronger than any other state in the union.
It is impossible to downplay the attraction of living in California for many people, and while home prices may seem to be out of reach for many families, California is a big enough state to have small towns that can accommodate young investors as well as low income families looking to live out the American dream.
That’s why experts are in near total agreement that while California may experience a short lived downturn in the housing market that could last the rest of 2007, it is a blip on the radar screen when it comes to the long term real estate health of Los Angeles and California over the next few decades. There are simply too many people looking to buy a home in LA and too many people tired of Ohio and New York winters who will move to California over the next 5-10-20 years to take a temporary downturn in the housing market as anything other than an anomaly.
There are very few “guaranteed” investments anymore, and this is especially true with real estate. But unless California breaks off the North American continent within the next few years, the housing market throughout the state will remain strong and a very smart investment for anyone looking to turn a profit.
How long should you avoid the California and Los Angeles housing market? Don’t expect the bottom to fall out, there is just too much demand for that to happen anytime soon. Expect no longer than a year slump, if that long, as soon as economic indicators show a recovery, you would be smart to dump everything you have because this slump is likely to be followed by another decade long climb.
Warmly,
Mary Wozny
Monday, August 6, 2007
Who Are You????
What! You ask .... what kind of headline is that?
It's a very reflective one, I will answer and I challenge each of you to actually ask yourself, "who am I?" "What do you stand for?"
Yes, I'm in a reflective mood. I've been in attendenance these past 2 weeks at some interesting events I'll call them for want of a better word. I've participated in the process and I've watched others. I have been told that what I'm dealing with and going through, the people involved and what is taking place is like dealing with terrorists and as we all know, you can't deal with terrorists! That is a harsh reality of our world today. In a rational world how does one deal with irrational and fanatical people? I'd love to know the answer to that! If countries can't do this, how then does an individual do so?
Do we allow the irrational beliefs of terrorists to rule our world, to control our actions and our responses? What brought them to this point? We're all aware of the "religious" fanatics who believe that there is only one true God and anyone who doesn't share their beliefs are to be destroyed.
But what about the people that you and I meet and deal with on a day to day basis, that are not couched in reality, that prefer to blame others for their mistakes or misfortunes or their circumstances in life? The people who never take responsibility for their own actions? How does one deal with people like this?
You have to let go. You have to realize that you cannot control others. You have to realize that you cannot control what someone else says and does. You can only control and change your reactions to what others say and do.
In my case this past week, I felt an enormous sadness at watching a human being in such a state of irrational belief, anger and blame, fear really, that controls all this persons actions. Fear that if they really look at what is happening around them, they won't be able to handle it. Ultimately, fear of facing their own failures. I was overwhelmed with sadness for this person, it is a hard thing to witness in another human being.
When we were born, we were all fearless. At the exact moment of our birth, we were truly fearless. As infants, we were perfect as we were still connected to the forces that created the world. As we age, we have all adopted fears from the world around us. We want to "fit in" and be like everyone else and so we model our own role models, often this is our parents. We take on their fears, limiting beliefs and false assumptions. We pick up more of these fears, limiting beliefs and false assumptions as we move through life and connect with the world around us. We're like a sponge, absorbing these things when in fact we need to wring out that sponge and rid ourselves of these beliefs and assumptions.
We need to go back and explore the source of all our fears and work through them so that they are no longer a part of our personal psyche so that we can truly know ourself. So that YOU can answer the question, "WHO ARE YOU?"
We all have our personal destiny in this world. Until we have freed ourselves of our fears, faced them and understand where they come from, take ownership for ourselves and our actions, past, present and future, our true destiny will not show itself to us. Work on your own personal "self-relationship" and once you know yourself, your destiny will find you.
No truer words were spoken when Woodrow Wilson said:
"You are here not merely to make a living. You are here in order to enable the world to live more amply, with greater vision, with a finer spirit of hope and achievement. You are here to enrich the world, and you impoverish yourself if you forget that errand."
Work on your own self-relationship, forgive others and let go. The universe will provide when you are ready. You are exactly where you need to be today, allow and learn from the experience.
To your joyful abundance and prosperity,
Mary Wozny
It's a very reflective one, I will answer and I challenge each of you to actually ask yourself, "who am I?" "What do you stand for?"
Yes, I'm in a reflective mood. I've been in attendenance these past 2 weeks at some interesting events I'll call them for want of a better word. I've participated in the process and I've watched others. I have been told that what I'm dealing with and going through, the people involved and what is taking place is like dealing with terrorists and as we all know, you can't deal with terrorists! That is a harsh reality of our world today. In a rational world how does one deal with irrational and fanatical people? I'd love to know the answer to that! If countries can't do this, how then does an individual do so?
Do we allow the irrational beliefs of terrorists to rule our world, to control our actions and our responses? What brought them to this point? We're all aware of the "religious" fanatics who believe that there is only one true God and anyone who doesn't share their beliefs are to be destroyed.
But what about the people that you and I meet and deal with on a day to day basis, that are not couched in reality, that prefer to blame others for their mistakes or misfortunes or their circumstances in life? The people who never take responsibility for their own actions? How does one deal with people like this?
You have to let go. You have to realize that you cannot control others. You have to realize that you cannot control what someone else says and does. You can only control and change your reactions to what others say and do.
In my case this past week, I felt an enormous sadness at watching a human being in such a state of irrational belief, anger and blame, fear really, that controls all this persons actions. Fear that if they really look at what is happening around them, they won't be able to handle it. Ultimately, fear of facing their own failures. I was overwhelmed with sadness for this person, it is a hard thing to witness in another human being.
When we were born, we were all fearless. At the exact moment of our birth, we were truly fearless. As infants, we were perfect as we were still connected to the forces that created the world. As we age, we have all adopted fears from the world around us. We want to "fit in" and be like everyone else and so we model our own role models, often this is our parents. We take on their fears, limiting beliefs and false assumptions. We pick up more of these fears, limiting beliefs and false assumptions as we move through life and connect with the world around us. We're like a sponge, absorbing these things when in fact we need to wring out that sponge and rid ourselves of these beliefs and assumptions.
We need to go back and explore the source of all our fears and work through them so that they are no longer a part of our personal psyche so that we can truly know ourself. So that YOU can answer the question, "WHO ARE YOU?"
We all have our personal destiny in this world. Until we have freed ourselves of our fears, faced them and understand where they come from, take ownership for ourselves and our actions, past, present and future, our true destiny will not show itself to us. Work on your own personal "self-relationship" and once you know yourself, your destiny will find you.
No truer words were spoken when Woodrow Wilson said:
"You are here not merely to make a living. You are here in order to enable the world to live more amply, with greater vision, with a finer spirit of hope and achievement. You are here to enrich the world, and you impoverish yourself if you forget that errand."
Work on your own self-relationship, forgive others and let go. The universe will provide when you are ready. You are exactly where you need to be today, allow and learn from the experience.
To your joyful abundance and prosperity,
Mary Wozny
Wednesday, July 25, 2007
Investing in Chicago, Illinois
While there can be no iron clad guide to real estate investing in America these days, one general rule seems to be sharply in focus: the further east you travel, the worse the housing market gets. While Seattle is still posting record gains and parts of California are still on an upswing, once you get to the “flyover” states, things begin to get downright depressing. Chicago is a prime example of that. While the real estate bubble might have already burst in a few eastern cities, the predicted downturn in Chicago’s real estate market is hitting as we speak. The recent first quarter numbers tell the grizzly tale.
Maybe the most shocking number is that the asking price and the sales price for new single family homes and condos in the Chicagoland area are down almost ten percent over last month. Sales prices are down from $281,000 to $253,000 in one month, while asking prices mirror the trend, dropping from $289,000 to $261,000. Even the price per square foot in the Chicago area is down sharply, from $134 to $120, a drop of over 10 percent from March to April of this year. The amount of time a single family home and a condo spends on the market, on the other hand, is up from 131 days to 138, an increase of just over five percent.
The one bright spot, and the best sign that this slump may be shorter rather than longer is that the total number of transactions is up ten percent in the month of April from March of 2007. This shows that while prices may be dropping, the good citizens of the Windy city are aware that bargains are now around every corner and that buying is becoming more fashionable.
A recent Chicago Tribune article dated May 9 isn’t so optimistic. Experts called the current state of Chicago’s real estate investing market an out and out “recession:” a word only used in the direst of circumstances. The chief economist of the National Association of Realtors, who has always been an industry cheerleader for obvious reasons, was less than optimistic about the immediate future of Chicago’s real estate market.
But the great thing about real estate and real estate investing is that the whole thing works in a cycle. Chicago is too beautiful, too desirable a place to live and has too strong an infrastructure and economy to be in the real estate doldrums for too long. The question on everyone’s mind is, how much longer do we have to put up with this?
Well, even the most optimistic predictions are saying that the United States, as a whole, could actually see negative home values for the first time since the great depression. So, as a general rule, unless things change rapidly during the next few months, the only sound investments when it comes to real estate are going to be found west of the Rockies. But things will eventually turn around and if these predictions come true, and overall home prices actually drop, you can bet that at the first sign of recovery, the market is not only going to recover but it is going to rebound stronger than ever.
And it’s not just Chicago that’s feeling the bite. The entire Midwestern United States has been underperforming the rest of the country when it comes to real estate prices. According to Realtor.org, home sales are down over 8 percent from this time last year, but the Midwest is showing a steeper drop of almost 10 percent from the same time last year.
Predicting the future of housing in the Midwest as a whole and in Chicago specifically isn’t an easy job, but you can be sure that the current dip is temporary and that once the available bargains become too luscious to resist, the market will be back with a vengeance.
Warmly,
Mary Wozny
Maybe the most shocking number is that the asking price and the sales price for new single family homes and condos in the Chicagoland area are down almost ten percent over last month. Sales prices are down from $281,000 to $253,000 in one month, while asking prices mirror the trend, dropping from $289,000 to $261,000. Even the price per square foot in the Chicago area is down sharply, from $134 to $120, a drop of over 10 percent from March to April of this year. The amount of time a single family home and a condo spends on the market, on the other hand, is up from 131 days to 138, an increase of just over five percent.
The one bright spot, and the best sign that this slump may be shorter rather than longer is that the total number of transactions is up ten percent in the month of April from March of 2007. This shows that while prices may be dropping, the good citizens of the Windy city are aware that bargains are now around every corner and that buying is becoming more fashionable.
A recent Chicago Tribune article dated May 9 isn’t so optimistic. Experts called the current state of Chicago’s real estate investing market an out and out “recession:” a word only used in the direst of circumstances. The chief economist of the National Association of Realtors, who has always been an industry cheerleader for obvious reasons, was less than optimistic about the immediate future of Chicago’s real estate market.
But the great thing about real estate and real estate investing is that the whole thing works in a cycle. Chicago is too beautiful, too desirable a place to live and has too strong an infrastructure and economy to be in the real estate doldrums for too long. The question on everyone’s mind is, how much longer do we have to put up with this?
Well, even the most optimistic predictions are saying that the United States, as a whole, could actually see negative home values for the first time since the great depression. So, as a general rule, unless things change rapidly during the next few months, the only sound investments when it comes to real estate are going to be found west of the Rockies. But things will eventually turn around and if these predictions come true, and overall home prices actually drop, you can bet that at the first sign of recovery, the market is not only going to recover but it is going to rebound stronger than ever.
And it’s not just Chicago that’s feeling the bite. The entire Midwestern United States has been underperforming the rest of the country when it comes to real estate prices. According to Realtor.org, home sales are down over 8 percent from this time last year, but the Midwest is showing a steeper drop of almost 10 percent from the same time last year.
Predicting the future of housing in the Midwest as a whole and in Chicago specifically isn’t an easy job, but you can be sure that the current dip is temporary and that once the available bargains become too luscious to resist, the market will be back with a vengeance.
Warmly,
Mary Wozny
Tuesday, July 24, 2007
Reality Check!
For all my readers who avidly follow my blog, I want to share with you an email I sent out to my clients last evening in an effort to clarify what's been happening at MillionaireRiches.com. I'm copying it here in its entirety and hope this clarifies and answers some of the questions you've been sending me.
This is a difficult email to write, but one that I believe in my soul I have to. I simply have no other choice. Please bear with me, it's a bit long.
Over this past 6 months, many of you have written to me expressing your concerns with the emails you've received from Brad, believing that I had some part in this.
I want to clarify the reality of this for you.
My son Brad walked away from and left MillionaireRiches.com in February. I was surprised at the time, shocked and betrayed as only a mother and business partner can be. Hindsight shows me that there were hints along the way which I hadn't quite put together, based on what was happening in our personal lives and what he was doing in respect to MillionaireRiches.com.
I'm sure you can understand how messy and divisive a divorce can be on a family, we are certainly a prime example of this! Brad has made his choice to partner with his father and has essentially walked away from both my daughter and I. It is heartbreaking and so sad, but everyone chooses their own paths in life.
It has been tough, no question about it, but that's ok. I'm dealing with it. I've grown even stronger than before and have learned to let things go. I've learned many more lessons and will incorporate some of them in my second book. It just goes to show that we are never too old to learn, not only from our mistakes, but from life!
However, this being said, unbeknownst to me, prior to Brad's leaving, he had transferred our client list to his own company and has been marketing to this list, meaning you, very frequently. Some of you are quite understandably perturbed by this excessive marketing and sales hype.
Unfortunately I can't stop him from sending these emails. You do have the option and right to remove yourself from his mailings if you so choose by clicking the option at the bottom of each email to unsubscribe from his list. This is entirely your choice.
I've been recovering from the all the things that have taken place and been quiet about all this. During the past 6 weeks though, my gut, my intuition, the part of me that never steers me wrong, has been telling me that the time has come to clear this up and let you know some of what has really taken place. I owe it to you. You don't need to know all the "gory details", but you do deserve to understand what is going on.
I do not ever want to steer you wrong. I will not give you hype, I will not misrepresent nor overstate, and I will NOT email you day after day. What I can't do though, is change what someone else does. For your sake I wish I could.
I want to thank you all for your support and most especially, for reading this and allowing me to get this off my chest. I simply felt I had to let you know in light of all that has been happening and all the questions and concerns that have been asked of me.
I wish you all continued joy, peace, happiness and prosperity in your lives.
Warmest Regards,
Mary Wozny
This is a difficult email to write, but one that I believe in my soul I have to. I simply have no other choice. Please bear with me, it's a bit long.
Over this past 6 months, many of you have written to me expressing your concerns with the emails you've received from Brad, believing that I had some part in this.
I want to clarify the reality of this for you.
My son Brad walked away from and left MillionaireRiches.com in February. I was surprised at the time, shocked and betrayed as only a mother and business partner can be. Hindsight shows me that there were hints along the way which I hadn't quite put together, based on what was happening in our personal lives and what he was doing in respect to MillionaireRiches.com.
I'm sure you can understand how messy and divisive a divorce can be on a family, we are certainly a prime example of this! Brad has made his choice to partner with his father and has essentially walked away from both my daughter and I. It is heartbreaking and so sad, but everyone chooses their own paths in life.
It has been tough, no question about it, but that's ok. I'm dealing with it. I've grown even stronger than before and have learned to let things go. I've learned many more lessons and will incorporate some of them in my second book. It just goes to show that we are never too old to learn, not only from our mistakes, but from life!
However, this being said, unbeknownst to me, prior to Brad's leaving, he had transferred our client list to his own company and has been marketing to this list, meaning you, very frequently. Some of you are quite understandably perturbed by this excessive marketing and sales hype.
Unfortunately I can't stop him from sending these emails. You do have the option and right to remove yourself from his mailings if you so choose by clicking the option at the bottom of each email to unsubscribe from his list. This is entirely your choice.
I've been recovering from the all the things that have taken place and been quiet about all this. During the past 6 weeks though, my gut, my intuition, the part of me that never steers me wrong, has been telling me that the time has come to clear this up and let you know some of what has really taken place. I owe it to you. You don't need to know all the "gory details", but you do deserve to understand what is going on.
I do not ever want to steer you wrong. I will not give you hype, I will not misrepresent nor overstate, and I will NOT email you day after day. What I can't do though, is change what someone else does. For your sake I wish I could.
I want to thank you all for your support and most especially, for reading this and allowing me to get this off my chest. I simply felt I had to let you know in light of all that has been happening and all the questions and concerns that have been asked of me.
I wish you all continued joy, peace, happiness and prosperity in your lives.
Warmest Regards,
Mary Wozny
Sunday, July 22, 2007
Real Estate in Miami, Florida
Perhaps no state in the union has been ripped and pulled in more different ways during the recent housing slump than Florida. You have parts of the state, like Palm Bay (near Daytona) and Sarasota which are showing double digit drops in home prices over the last calendar year, and you also have places like up-and-comer Ocala and state capital Tallahassee showing 5 percent or better improvements during the same time period. In the middle of all this is beautiful Miami.
According to CNN, Miami has experienced a modest growth in the median price of home sales over the last year, up 2 percent to $385,000. Is the worst over in Miami or is this city of palm trees and beaches just a little late on the nationwide trend?
It really depends on who you ask. A pair of recent polls tend to contradict the question of if Miami real estate is worth investing in. A recent study that appeared in Forbes Magazine in early May listed the most overpriced real estate cities in the country. Miami finished second. Using a price to earnings ratio, the editors figured that Miami was due for a bubble burst and that investors should avoid this area like the plague.
But not everyone is in agreement. A CNBC poll posted on their site on May 11th, listed the top 5, and bottom 5 cities for positive real estate appreciation, an obvious concern for those looking to invest their hard earned cash in hopes for a future profit. Miami ranked 4th in the nation behind Seattle, Portland, OR and Charlotte. Looking further into this study, it points to the condo surge in Miami over the past few years and how they have helped to keep the market steady while single family residents have been sinking. But in a market as promising and as profitable as Miami, how much longer can you really expect a slump to continue?
It is safe to say that as long as there are harsh northern winters, potholes and wind chills, there will always be a migration to South Florida. No area in the country has expanded so rapidly over such a short period of time as Florida has, and the recent housing slump can’t be seen as anything more than a temporary self-correction on the market.
This goes for the rest of the state, as well, even in areas like Sarasota and Palm Bay which have, historically, been retirement communities. There is simply not that much tropical beach in the United States, and while prices may fluctuate over time, to think that the long term trends in Miami and throughout Florida is headed anywhere but up is foolish.
The question remains, however, how much longer will the slump last? Home prices have been dropping across the state for the last three years, but as recent numbers have shown, Miami has stabilized and the chances of prices falling any further are unlikely. There is simply too much demand from those sick of living in dirty, old and crowded northern cities to keep the Miami housing market stagnant for long.
Things appear to be turning around as we speak, and the late and harsh winter of 2006-2007 is sure to drive many south looking for relief. Experts believe that much of the current Miami real estate market is overvalued, but when you have an almost limitless demand, how overvalued can it be?
Of course, not everyone can afford a penthouse on South Beach, but with the numerous suburban communities that dot the Florida coast, it is possible to find affordable housing especially if you are use to paying New York or Boston prices.
Warmly,
Mary Wozny
According to CNN, Miami has experienced a modest growth in the median price of home sales over the last year, up 2 percent to $385,000. Is the worst over in Miami or is this city of palm trees and beaches just a little late on the nationwide trend?
It really depends on who you ask. A pair of recent polls tend to contradict the question of if Miami real estate is worth investing in. A recent study that appeared in Forbes Magazine in early May listed the most overpriced real estate cities in the country. Miami finished second. Using a price to earnings ratio, the editors figured that Miami was due for a bubble burst and that investors should avoid this area like the plague.
But not everyone is in agreement. A CNBC poll posted on their site on May 11th, listed the top 5, and bottom 5 cities for positive real estate appreciation, an obvious concern for those looking to invest their hard earned cash in hopes for a future profit. Miami ranked 4th in the nation behind Seattle, Portland, OR and Charlotte. Looking further into this study, it points to the condo surge in Miami over the past few years and how they have helped to keep the market steady while single family residents have been sinking. But in a market as promising and as profitable as Miami, how much longer can you really expect a slump to continue?
It is safe to say that as long as there are harsh northern winters, potholes and wind chills, there will always be a migration to South Florida. No area in the country has expanded so rapidly over such a short period of time as Florida has, and the recent housing slump can’t be seen as anything more than a temporary self-correction on the market.
This goes for the rest of the state, as well, even in areas like Sarasota and Palm Bay which have, historically, been retirement communities. There is simply not that much tropical beach in the United States, and while prices may fluctuate over time, to think that the long term trends in Miami and throughout Florida is headed anywhere but up is foolish.
The question remains, however, how much longer will the slump last? Home prices have been dropping across the state for the last three years, but as recent numbers have shown, Miami has stabilized and the chances of prices falling any further are unlikely. There is simply too much demand from those sick of living in dirty, old and crowded northern cities to keep the Miami housing market stagnant for long.
Things appear to be turning around as we speak, and the late and harsh winter of 2006-2007 is sure to drive many south looking for relief. Experts believe that much of the current Miami real estate market is overvalued, but when you have an almost limitless demand, how overvalued can it be?
Of course, not everyone can afford a penthouse on South Beach, but with the numerous suburban communities that dot the Florida coast, it is possible to find affordable housing especially if you are use to paying New York or Boston prices.
Warmly,
Mary Wozny
Wednesday, July 11, 2007
Real Estate Investing in Edmonton, Alberta
The city of Edmonton, while not as closely associated with the recent oil boom as neighboring Calgary, is currently flush with investment opportunity. The entire province of Alberta is one giant sound investment because of the unparalleled economic growth thanks to the oil sands and their seemingly limitless cash flow.
Edmonton is the farthest north of the major cities in Alberta, which puts it closer to the actual excavation sites of the oil sands located in the northern part of the province. What this means is that the money, and those looking to spend that money, hit Edmonton first. That explains why the housing and real estate market in Edmonton has been doing record business.
According to a report issued by the Edmonton Real Estate Board, 2007 is already breaking records. Sales in every category are up over 2006, and some of the values being seen are shocking even the most optimistic projections. The average selling price for a condo in Greater Edmonton is up a whopping 60 percent over the same time last year, to an average of $261,000. The median selling price for a single family dwelling is up almost as much, 55.8 percent, to just a shade under $400,000. And sales of residential properties in Edmonton is up over 20 percent in April 2007 over April of 2006.
If you have cash to invest, it is almost impossible to NOT make money in real estate in Edmonton, but with every boom, there is a worry that a bust is soon to follow. Edmonton expects over 400,000 new residents to the Greater Edmonton area over the next 25 years, a rate that would outpace almost every other city in North America.
The prospect of instant riches in Northern Alberta is a huge draw for anyone looking to earn it. Northern Albertan cities like Fort McMurray are suffering from worker shortages because the oil companies want to move the oil-soaked sands so quickly that a young, motivated worker in a town like this can be earning six figures in literally months. That almost instant wealth is going to get spent on something and a home in the greater Edmonton area, the closest major city to the oil sands, is the prime target.
If you need any more convincing that the Edmonton economy is in a permanent climb, or at least a climb for the next few decades until the oil sands have been removed, the mayor expects a jump of almost five percent in the cities gross domestic product to close to $45 billion dollars, one of the biggest jumps, percentage wise, in Canadian history. It is too late to get in on the ground floor of this incredible investment opportunity, but the sky is definitely the limit with Edmonton, and Alberta in general, and serious cash can still be made.
If you’re wondering where new projects can be built in a city that is growing so fast, that is one of the best parts about both Calgary and Edmonton. Alberta is a land of wide open spaces, a beautiful combination of mountains and plains. To the north of Edmonton lies 20,000 undeveloped acres that the mayor envisions to be a whole new section to the city within a few years time made up of homes, apartments, condos as well as commercial and industrial space. It is still very possible to get in early with investment dollars on this new section of this growing city, but you must act fast.
Warmly,
Mary Wozny
Edmonton is the farthest north of the major cities in Alberta, which puts it closer to the actual excavation sites of the oil sands located in the northern part of the province. What this means is that the money, and those looking to spend that money, hit Edmonton first. That explains why the housing and real estate market in Edmonton has been doing record business.
According to a report issued by the Edmonton Real Estate Board, 2007 is already breaking records. Sales in every category are up over 2006, and some of the values being seen are shocking even the most optimistic projections. The average selling price for a condo in Greater Edmonton is up a whopping 60 percent over the same time last year, to an average of $261,000. The median selling price for a single family dwelling is up almost as much, 55.8 percent, to just a shade under $400,000. And sales of residential properties in Edmonton is up over 20 percent in April 2007 over April of 2006.
If you have cash to invest, it is almost impossible to NOT make money in real estate in Edmonton, but with every boom, there is a worry that a bust is soon to follow. Edmonton expects over 400,000 new residents to the Greater Edmonton area over the next 25 years, a rate that would outpace almost every other city in North America.
The prospect of instant riches in Northern Alberta is a huge draw for anyone looking to earn it. Northern Albertan cities like Fort McMurray are suffering from worker shortages because the oil companies want to move the oil-soaked sands so quickly that a young, motivated worker in a town like this can be earning six figures in literally months. That almost instant wealth is going to get spent on something and a home in the greater Edmonton area, the closest major city to the oil sands, is the prime target.
If you need any more convincing that the Edmonton economy is in a permanent climb, or at least a climb for the next few decades until the oil sands have been removed, the mayor expects a jump of almost five percent in the cities gross domestic product to close to $45 billion dollars, one of the biggest jumps, percentage wise, in Canadian history. It is too late to get in on the ground floor of this incredible investment opportunity, but the sky is definitely the limit with Edmonton, and Alberta in general, and serious cash can still be made.
If you’re wondering where new projects can be built in a city that is growing so fast, that is one of the best parts about both Calgary and Edmonton. Alberta is a land of wide open spaces, a beautiful combination of mountains and plains. To the north of Edmonton lies 20,000 undeveloped acres that the mayor envisions to be a whole new section to the city within a few years time made up of homes, apartments, condos as well as commercial and industrial space. It is still very possible to get in early with investment dollars on this new section of this growing city, but you must act fast.
Warmly,
Mary Wozny
Sunday, July 8, 2007
To Invest or Not to Invest in Montreal, Quebec??!!!
While it is never good to make blanket statements about housing markets from coast to coast, with the release of the first quarter 2007 numbers, it is safe to say that all of Canada right now is showing signs of growth. That growth even extends to markets like Montreal that just two years ago were showing signs of recession.
It is impossible to compare the modest but encouraging growth in the Montreal housing market in the first part of 2007 with the incredible growth seen in other parts of Canada like Alberta and British Columbia. Even in the best of days, Quebec’s housing market was much steadier and far less prone to rapid increases or decreases. But that doesn’t mean it isn’t a good investment opportunity however, it just means that growth, as well as loss, is much more even. Imagine real estate investing without the roller coaster ride.
The current upturn in the Montreal real estate market can be directly attributed to the improved economy in the last calendar year. Experts believe that improved consumer confidence drove up average home prices in Montreal and throughout southern Quebec and that while the trend isn’t rocket-powered, it is expected to continue well into the second quarter of the year.
The best news coming out of the first quarter in Montreal was on condo sales. They were the best performing part of the market, but again, like all good news coming out of Montreal, it is tempered by the fact that the best selling condos in the city so far this year tended to be lower priced ones, with higher priced condos staying on the market for a significant amount of time.
As with most of Quebec, experts predicted at the beginning of the year a real estate slow down or even a small recession, but the first quarter numbers have proven them wrong, at least so far. In the always important category of units sold, the first quarter performed extremely well. But analysts are hesitant to predict that the rest of the year will proceed as smoothly.
In fact, it is hard to find a consensus on what the Quebec housing market is going to do for the rest of 2007 since so many experts were sure the year would start out on a sour note. Now that the market has taken a turn for the better, the Greater Montreal Real Estate Board has boldly predicted record years for condo sales and overall resales. Condo resales were up 14 percent over last year, with the average price for a single family home climbing a healthy 5 percent over the same period.
Even commercial space in downtown Montreal performed better than expected during the final two quarters of 2006. Vacancy rates in downtown Montreal plummeted from over 8 and a half percent during the middle of 2006, to just above 8 percent at the end of the year. Again, as with the housing markets, these numbers fooled most experts who were expecting a more stagnant market.
So, what does the future hold for Canada’s most culture-rich city? Well, based on the predictions of experts, no one really knows. Most prospectors have adjusted their early-year predictions of gloom to reflect the new reality that appears to be in place now in Montreal, and while no one is really predicting a record year for real estate investment, the market has taken on a friendlier glow this summer. If you watch the market carefully and make the right choices, Montreal can be an attractive real estate market to invest in throughout the 2007 fiscal year.
Warmly,
Mary Wozny
It is impossible to compare the modest but encouraging growth in the Montreal housing market in the first part of 2007 with the incredible growth seen in other parts of Canada like Alberta and British Columbia. Even in the best of days, Quebec’s housing market was much steadier and far less prone to rapid increases or decreases. But that doesn’t mean it isn’t a good investment opportunity however, it just means that growth, as well as loss, is much more even. Imagine real estate investing without the roller coaster ride.
The current upturn in the Montreal real estate market can be directly attributed to the improved economy in the last calendar year. Experts believe that improved consumer confidence drove up average home prices in Montreal and throughout southern Quebec and that while the trend isn’t rocket-powered, it is expected to continue well into the second quarter of the year.
The best news coming out of the first quarter in Montreal was on condo sales. They were the best performing part of the market, but again, like all good news coming out of Montreal, it is tempered by the fact that the best selling condos in the city so far this year tended to be lower priced ones, with higher priced condos staying on the market for a significant amount of time.
As with most of Quebec, experts predicted at the beginning of the year a real estate slow down or even a small recession, but the first quarter numbers have proven them wrong, at least so far. In the always important category of units sold, the first quarter performed extremely well. But analysts are hesitant to predict that the rest of the year will proceed as smoothly.
In fact, it is hard to find a consensus on what the Quebec housing market is going to do for the rest of 2007 since so many experts were sure the year would start out on a sour note. Now that the market has taken a turn for the better, the Greater Montreal Real Estate Board has boldly predicted record years for condo sales and overall resales. Condo resales were up 14 percent over last year, with the average price for a single family home climbing a healthy 5 percent over the same period.
Even commercial space in downtown Montreal performed better than expected during the final two quarters of 2006. Vacancy rates in downtown Montreal plummeted from over 8 and a half percent during the middle of 2006, to just above 8 percent at the end of the year. Again, as with the housing markets, these numbers fooled most experts who were expecting a more stagnant market.
So, what does the future hold for Canada’s most culture-rich city? Well, based on the predictions of experts, no one really knows. Most prospectors have adjusted their early-year predictions of gloom to reflect the new reality that appears to be in place now in Montreal, and while no one is really predicting a record year for real estate investment, the market has taken on a friendlier glow this summer. If you watch the market carefully and make the right choices, Montreal can be an attractive real estate market to invest in throughout the 2007 fiscal year.
Warmly,
Mary Wozny
Friday, June 29, 2007
Should I Invest in New York Real Estate?
There might not be a more dichotomous real estate world than what you find in New York State. To say that the world of real estate and investing is different in midtown Manhattan than it is in the rest of New York is to possibly make the biggest understatement humanly possible. There are truly two different worlds when it comes to real estate, and while there are almost no single family homes in Manhattan, condos, co-ops and apartments dominate due to space restrictions, the 11 million New York residents that live outside of the metro area prefer to call the traditional single family home home. So, how are these two areas reacting to the current nationwide real estate slump? It really depends on which numbers you look at.
In a CNN article dated May 15, 2007, housing prices from the first quarter of 2007 are analyzed and compared to the same quarter in 2006. The city of New York, including Long Island and Northern New Jersey hung tough, sporting a modest 1 percent rise in home prices. But things are far from smooth throughout the state. Looking at the White Plains section of New York, prices were actually far healthier, with a rise of over 2 percent in home prices. A tad further south in Edison, New Jersey, the outlook was a bit more grim, with a decrease in home prices of almost 3 and a half percent compared to last year. The best performing area was actually Newark, with a rise of four and half percent. Upstate in Buffalo and the Niagara Falls area, prices fell over three percent. But in Albany and the Binghamton area, prices are robust, with increases of 6 percent and 9 percent, respectively. So, what does all this mean?
It means that New York is one of the most complicated patchworks of real estate investing in the country. There seems to be a real migration out of the city to areas upstate. Even towns like Syracuse and Rochester, known more for their snowfall then their real estate prices, showed modest increases in value that much of the eastern United States couldn’t match. But don’t think the city was suffering, either.
According to a May 2007 article published on the New York real estate site The Real Deal, the average price for a Manhattan apartment was up a healthy 4.5 percent during the first quarter of 2007 to $835,000. Of course, that is taking in all five Burroughs of the city, if you were to just count Manhattan, that number would be significantly higher. According to the article, the price of an average Manhattan apartment could buy you EIGHT homes located upstate.
So, the bottom line question here is, is New York worth investing in right now when the rest of the east coast isn’t doing very well or should you stick to the Pacific Northwest, California and Canada?
The answer is New York might be the healthiest investment out there if you want to keep your money on the eastern side of the Mississippi. Growth is still sluggish compared to five years ago, but it does appear to be moving in the right direction and most cities in the US right now can’t claim that.
The economic monster that drives New York City, and the rest of the state, is simply too big to let a recession in real estate last more than a few months. The 22 million+ residents won’t allow real bargains to sit around very long, which makes New York one of the safest places to invest anywhere. That use to just be a sign of the city itself, but it appears that the safety net has been strung from upstate, as well.
Happy Investing!
Mary Wozny
In a CNN article dated May 15, 2007, housing prices from the first quarter of 2007 are analyzed and compared to the same quarter in 2006. The city of New York, including Long Island and Northern New Jersey hung tough, sporting a modest 1 percent rise in home prices. But things are far from smooth throughout the state. Looking at the White Plains section of New York, prices were actually far healthier, with a rise of over 2 percent in home prices. A tad further south in Edison, New Jersey, the outlook was a bit more grim, with a decrease in home prices of almost 3 and a half percent compared to last year. The best performing area was actually Newark, with a rise of four and half percent. Upstate in Buffalo and the Niagara Falls area, prices fell over three percent. But in Albany and the Binghamton area, prices are robust, with increases of 6 percent and 9 percent, respectively. So, what does all this mean?
It means that New York is one of the most complicated patchworks of real estate investing in the country. There seems to be a real migration out of the city to areas upstate. Even towns like Syracuse and Rochester, known more for their snowfall then their real estate prices, showed modest increases in value that much of the eastern United States couldn’t match. But don’t think the city was suffering, either.
According to a May 2007 article published on the New York real estate site The Real Deal, the average price for a Manhattan apartment was up a healthy 4.5 percent during the first quarter of 2007 to $835,000. Of course, that is taking in all five Burroughs of the city, if you were to just count Manhattan, that number would be significantly higher. According to the article, the price of an average Manhattan apartment could buy you EIGHT homes located upstate.
So, the bottom line question here is, is New York worth investing in right now when the rest of the east coast isn’t doing very well or should you stick to the Pacific Northwest, California and Canada?
The answer is New York might be the healthiest investment out there if you want to keep your money on the eastern side of the Mississippi. Growth is still sluggish compared to five years ago, but it does appear to be moving in the right direction and most cities in the US right now can’t claim that.
The economic monster that drives New York City, and the rest of the state, is simply too big to let a recession in real estate last more than a few months. The 22 million+ residents won’t allow real bargains to sit around very long, which makes New York one of the safest places to invest anywhere. That use to just be a sign of the city itself, but it appears that the safety net has been strung from upstate, as well.
Happy Investing!
Mary Wozny
Wednesday, June 27, 2007
Real Estate Investing in Ottawa, Ontario, Canada
When housing investors point to different cities in Canada, they each have a reason why investing there is a practical move. Toronto is Canada’s financial capital, Vancouver is one of the most beautiful cities in North America and has the upcoming Olympics, Calgary and Edmonton are flush in oil money and Montreal has culture, sophistication and one of the highest living satisfaction poll numbers anywhere. Left out of this discussion, in many cases, is Canada’s political capital, Ottawa. What is so redeeming about investing in this, one of Canada’s smallest cities? The answer is price and potential!
According to just-released numbers, Ottawa is the cheapest city of its size to live in in all of Canada. Only Quebec City ranked higher, but Ottawa was number one as far as major Canadian cities went. And even though housing prices are up sharply in Ottawa over the last five years, they still pale in comparison when held up against Toronto or Vancouver. What does this mean for the average real estate investor? It means that there is still a huge opportunity to invest in this beautiful city before prices rise further and the secret of this wonderful place gets out.
So, why Ottawa? Looking on the map, Ottawa is snugly tucked between both Montreal and Toronto, which has made it a popular choice for those needing to do business in both cities on a frequent basis. The home of Canada’s government boasts a metro population of just over a million people, and it is growing rapidly as more and more people realize the appeal of this “flyover” city. 2006 was truly a record year for home sales in Ottawa. It was one of several cities in Canada, including Montreal, Calgary and Edmonton, to break home sales records in 2006. The question is, of course, will this trend continue into 2007 and beyond.
Ottawa’s housing prices have been on the rise since the late 1990’s. During that time, the average home price was just around $125,000-$130,000. But a meteoric rise has gripped the city since then, with housing prices jumping to approximately $225,000 by January of 2004, but it is the rise since that point that has many people skittish about the future of home prices and investment in Ottawa. In the first half of 2005 alone, housing prices jumped from approximately $230,000 to $265,000 in only six months. To say that this growth is unprecedented in a city like Ottawa would be an understatement.
Now, experts are trying to figure out if this jump was merely a self correction that put Ottawa back on pace with the rest of Canada (and remember, even with this growth, Ottawa is still the cheapest metropolitan city in Canada) or has rising prices signals a genuine housing “bubble” in the nation’s capital.
Home sales in Ottawa did not meet the national average, but they were still up much higher in 2006 then most experts believed. Sales rose in Ottawa almost 14 percent over 2005’s blistering pace, while home sales nationally climbed a tad under 18 percent. Critics of the bubble theory point to the fact that interest rates in Ottawa have remained low and unaffected by a perceived artificial housing bubble. The longer that this housing rise continues, the more and more it looks like is a natural market correction that got Ottawa on the same page with the rest of Canada than a bubble that will burst any time soon.
Predictions for the rest of 2007 are, as usual, all across the board for Canada’s capital. But since there has been very little in the way of concrete evidence of a bubble collapse anytime soon, the smart money is on continued growth in Ottawa for the foreseeable future, which makes this city a fantastic place to invest now and into the future.
Happy Investing!
Mary Wozny
According to just-released numbers, Ottawa is the cheapest city of its size to live in in all of Canada. Only Quebec City ranked higher, but Ottawa was number one as far as major Canadian cities went. And even though housing prices are up sharply in Ottawa over the last five years, they still pale in comparison when held up against Toronto or Vancouver. What does this mean for the average real estate investor? It means that there is still a huge opportunity to invest in this beautiful city before prices rise further and the secret of this wonderful place gets out.
So, why Ottawa? Looking on the map, Ottawa is snugly tucked between both Montreal and Toronto, which has made it a popular choice for those needing to do business in both cities on a frequent basis. The home of Canada’s government boasts a metro population of just over a million people, and it is growing rapidly as more and more people realize the appeal of this “flyover” city. 2006 was truly a record year for home sales in Ottawa. It was one of several cities in Canada, including Montreal, Calgary and Edmonton, to break home sales records in 2006. The question is, of course, will this trend continue into 2007 and beyond.
Ottawa’s housing prices have been on the rise since the late 1990’s. During that time, the average home price was just around $125,000-$130,000. But a meteoric rise has gripped the city since then, with housing prices jumping to approximately $225,000 by January of 2004, but it is the rise since that point that has many people skittish about the future of home prices and investment in Ottawa. In the first half of 2005 alone, housing prices jumped from approximately $230,000 to $265,000 in only six months. To say that this growth is unprecedented in a city like Ottawa would be an understatement.
Now, experts are trying to figure out if this jump was merely a self correction that put Ottawa back on pace with the rest of Canada (and remember, even with this growth, Ottawa is still the cheapest metropolitan city in Canada) or has rising prices signals a genuine housing “bubble” in the nation’s capital.
Home sales in Ottawa did not meet the national average, but they were still up much higher in 2006 then most experts believed. Sales rose in Ottawa almost 14 percent over 2005’s blistering pace, while home sales nationally climbed a tad under 18 percent. Critics of the bubble theory point to the fact that interest rates in Ottawa have remained low and unaffected by a perceived artificial housing bubble. The longer that this housing rise continues, the more and more it looks like is a natural market correction that got Ottawa on the same page with the rest of Canada than a bubble that will burst any time soon.
Predictions for the rest of 2007 are, as usual, all across the board for Canada’s capital. But since there has been very little in the way of concrete evidence of a bubble collapse anytime soon, the smart money is on continued growth in Ottawa for the foreseeable future, which makes this city a fantastic place to invest now and into the future.
Happy Investing!
Mary Wozny
Tuesday, June 5, 2007
Perhaps no housing and real estate market in North America is as healthy or contains as much potential as the city of Vancouver, British Columbia, Canada. For decades, the public at large viewed Vancouver as nothing more than a squalid mill town beseeched by rain 300 days of the year. But Expo ’86 changed all that forever. The city did an incredible job of cleaning up many industrial sites and the 10 solid days of nothing but beautiful sunshine demonstrated to the world that Vancouver was truly an unpolished diamond with incredible ocean and mountain views ready to be invested in.
Since 1986, real estate prices have been rising, and they haven’t really stopped. For those familiar with the Vancouver housing markets, it has become a bit of a running joke trying to figure out where the ceiling is for investment here. The short answer is that there might not be a ceiling at all, at least for another 5-10 years.
Vancouver was picked as the host for the 2010 Winter Olympics, and real estate investors are watching this date very closely. Much like the massive clean up and infrastructure improvements spawned the first major real estate boom in Vancouver in 1986, many experts believe that the exact same thing is going to happen with the 2010 games, but on a much larger scale. Combine this with poll after poll showing the quality of living in Vancouver is consistently in the top three in the world, and the fact that there are still real estate bargains to be had here when you compare it to other world class cities like San Francisco and New York, and you have one of the hottest real estate investment markets anywhere in the world.
And recent polls of current Vancouver residents bear this out. A March 2007 poll by Royal Bank of Canada shows that a higher percentage of BC residents, 11 percent compared to the nationwide average of 9 percent, consider themselves ‘very likely” to buy a home within the next year. Not only does this demonstrate that BC is definitely the best place in Canada to buy a home, but also that the 4 million plus population of Canada’s western-most province see the potential value in BC real estate, too.
For those that are scared off by the skyrocketing price of real estate in Vancouver (compared to Canadian standards), the same poll showed that an astonishing 93 percent of those polled consider owning a home in BC to be a good or very good investment. So while it may take the average BC resident a little extra while to afford the home of their dreams, they are dedicated to the idea of owning their own home; which is music to the ears of potential investors in the greater Vancouver area.
So, what about the two years until the Olympics come to town? No one wants to invest in a property only to see the value remain stagnant until some future event. A 2006 article in the Saskatoon Star-Phoenix says that while the Vancouver housing boom is extraordinary by Canadian standards and while all booms do eventually end, that the most likely outcome of the current surge in the Vancouver housing market isn’t a bust or a collapse, but a slow leveling off of prices, also known as a “soft landing.” Which leads to the question: when? Many experts believed the housing market in BC would begin to slow in 2006, then it got put off to 2007. But one look at current downtown Vancouver and the construction that is taking place to get the city ready for the two week PR campaign known as the Olympics, and there is no sign anywhere that the housing market here is headed for decline.
The most optimistic perspectives on the Vancouver housing market is that the current surge will continue through the Olympics in 2010 and, thanks to the games, it will receive a renewed burst of energy that could carry it through 2015, or later. With this much potential, it is easy to see why Vancouver is the place to be for the next decade, plus.
Prosperously Yours,
Mary Wozny
Since 1986, real estate prices have been rising, and they haven’t really stopped. For those familiar with the Vancouver housing markets, it has become a bit of a running joke trying to figure out where the ceiling is for investment here. The short answer is that there might not be a ceiling at all, at least for another 5-10 years.
Vancouver was picked as the host for the 2010 Winter Olympics, and real estate investors are watching this date very closely. Much like the massive clean up and infrastructure improvements spawned the first major real estate boom in Vancouver in 1986, many experts believe that the exact same thing is going to happen with the 2010 games, but on a much larger scale. Combine this with poll after poll showing the quality of living in Vancouver is consistently in the top three in the world, and the fact that there are still real estate bargains to be had here when you compare it to other world class cities like San Francisco and New York, and you have one of the hottest real estate investment markets anywhere in the world.
And recent polls of current Vancouver residents bear this out. A March 2007 poll by Royal Bank of Canada shows that a higher percentage of BC residents, 11 percent compared to the nationwide average of 9 percent, consider themselves ‘very likely” to buy a home within the next year. Not only does this demonstrate that BC is definitely the best place in Canada to buy a home, but also that the 4 million plus population of Canada’s western-most province see the potential value in BC real estate, too.
For those that are scared off by the skyrocketing price of real estate in Vancouver (compared to Canadian standards), the same poll showed that an astonishing 93 percent of those polled consider owning a home in BC to be a good or very good investment. So while it may take the average BC resident a little extra while to afford the home of their dreams, they are dedicated to the idea of owning their own home; which is music to the ears of potential investors in the greater Vancouver area.
So, what about the two years until the Olympics come to town? No one wants to invest in a property only to see the value remain stagnant until some future event. A 2006 article in the Saskatoon Star-Phoenix says that while the Vancouver housing boom is extraordinary by Canadian standards and while all booms do eventually end, that the most likely outcome of the current surge in the Vancouver housing market isn’t a bust or a collapse, but a slow leveling off of prices, also known as a “soft landing.” Which leads to the question: when? Many experts believed the housing market in BC would begin to slow in 2006, then it got put off to 2007. But one look at current downtown Vancouver and the construction that is taking place to get the city ready for the two week PR campaign known as the Olympics, and there is no sign anywhere that the housing market here is headed for decline.
The most optimistic perspectives on the Vancouver housing market is that the current surge will continue through the Olympics in 2010 and, thanks to the games, it will receive a renewed burst of energy that could carry it through 2015, or later. With this much potential, it is easy to see why Vancouver is the place to be for the next decade, plus.
Prosperously Yours,
Mary Wozny
Friday, June 1, 2007
Real Estate Market in Canada's Beautiful Toronto, Ontario
For those looking to immerse themselves in the business and the bustle of the world’s most natural resource-rich country on earth need not look any farther than Toronto. To say that Toronto is the focal point of Canada is to state the obvious, much to the chagrin of residents of both Montreal and Vancouver.
If you are serious about getting things done and being where the action in, Toronto is the place to be, and it is this exact attitude that has carried the Toronto housing market in recent years. While the boom in housing here isn’t quite on par with other Canadian booms in Calgary, Edmonton and Vancouver, Toronto has been holding its own with investors over the last ten years, but as is the case with investing, it is the future that everyone wants to know about.
According to recent reports, however, the city of Toronto is in good economic hands well into the future. In a press release by CIBC, one of Canada’s largest banks, projections of Toronto’s real estate future are rosy, even two decades from now, but the driving force behind this sustained real estate growth isn’t wealthy investors or Canadians picking up stakes and moving to the big city, but immigrants.
Benjamin Tal, a senior economist for CIBC, predicts that thanks to recent legislation that eases immigration to a country that had been losing population in recent decades, the influx of people looking to buy homes will be rising into the foreseeable future. This, of course, is music to the ears of any potential investors who are looking at either small time investing through home-flipping or wealthy investors who might want to take an old apartment complex and turn it into revenue generating condos. Even if you are looking to build fresh, according to Tal, the market will be there to support you.
Looking at the history of Toronto’s housing market, the years 1986-1990 were truly a golden age as the average home price jumped from just over $100,000 to $275,000 in just four years time. Since then, a “smile” has formed, with an initial drop during the early 1990’s, followed by a slow and steady climb back up ever since. The recent rise in housing prices, which started around 1996, has been much more gradual then the sharp rise of the late 1980’s.
For years, optimists in the Toronto housing markets have argued that thanks to this more gradual rise in prices, combined with increased population in the greater Toronto area and the recent influx of immigrants, that it is wrong to call the current Toronto housing situation a “bubble,” but it is more of a permanent rise that has occurred.
More credence is given to this theory when you compare the rise in housing prices with the growth of Canada’s gross domestic product over the same time period. While the 1986 housing price leap seriously out-gained the GDP of the time, the ensuing “burst” of that bubble corrected things. But the current rise since 1996 has been almost in lockstep with the healthy Canadian GDP.
While it is impossible to point to this one statistic as a “smoking gun,” most investors don’t need any further proof that the housing market in Toronto is stable, healthy and ready to grow further thanks to the growing roll of Toronto as a world city and as the financial centre for a country that is becoming more and more relevant on the world stage every year thanks to an almost inextinguishable supply of natural resources that will make Canada the place to be for investors for decades to come.
Happy Investing!
Mary Wozny
If you are serious about getting things done and being where the action in, Toronto is the place to be, and it is this exact attitude that has carried the Toronto housing market in recent years. While the boom in housing here isn’t quite on par with other Canadian booms in Calgary, Edmonton and Vancouver, Toronto has been holding its own with investors over the last ten years, but as is the case with investing, it is the future that everyone wants to know about.
According to recent reports, however, the city of Toronto is in good economic hands well into the future. In a press release by CIBC, one of Canada’s largest banks, projections of Toronto’s real estate future are rosy, even two decades from now, but the driving force behind this sustained real estate growth isn’t wealthy investors or Canadians picking up stakes and moving to the big city, but immigrants.
Benjamin Tal, a senior economist for CIBC, predicts that thanks to recent legislation that eases immigration to a country that had been losing population in recent decades, the influx of people looking to buy homes will be rising into the foreseeable future. This, of course, is music to the ears of any potential investors who are looking at either small time investing through home-flipping or wealthy investors who might want to take an old apartment complex and turn it into revenue generating condos. Even if you are looking to build fresh, according to Tal, the market will be there to support you.
Looking at the history of Toronto’s housing market, the years 1986-1990 were truly a golden age as the average home price jumped from just over $100,000 to $275,000 in just four years time. Since then, a “smile” has formed, with an initial drop during the early 1990’s, followed by a slow and steady climb back up ever since. The recent rise in housing prices, which started around 1996, has been much more gradual then the sharp rise of the late 1980’s.
For years, optimists in the Toronto housing markets have argued that thanks to this more gradual rise in prices, combined with increased population in the greater Toronto area and the recent influx of immigrants, that it is wrong to call the current Toronto housing situation a “bubble,” but it is more of a permanent rise that has occurred.
More credence is given to this theory when you compare the rise in housing prices with the growth of Canada’s gross domestic product over the same time period. While the 1986 housing price leap seriously out-gained the GDP of the time, the ensuing “burst” of that bubble corrected things. But the current rise since 1996 has been almost in lockstep with the healthy Canadian GDP.
While it is impossible to point to this one statistic as a “smoking gun,” most investors don’t need any further proof that the housing market in Toronto is stable, healthy and ready to grow further thanks to the growing roll of Toronto as a world city and as the financial centre for a country that is becoming more and more relevant on the world stage every year thanks to an almost inextinguishable supply of natural resources that will make Canada the place to be for investors for decades to come.
Happy Investing!
Mary Wozny
Thursday, May 31, 2007
Yes - You Can Get There!
With each act, your confidence grows. Take the first step and you'll gain the confidence to take the next step.
The more you do, the more you'll be able to do.
Begin the journey, and you'll set in motion a positive momentum that can surely carry you through.
Effort feeds upon itself.
Even though you start small, you can soon go very far.
Though you may not yet have what it takes to finish, you always have what it takes to begin.
And from the most modest initial effort, magnificent results can surely and eventually flow.
Whether the goal seems close at hand or infinitely far away, the way to reach it is the same.
Take the first step, set the momentum of your action in motion, and grow along with it until you are there.
Be willing to take the first step, then follow where each step leads.
And even the most ambitious goal is well within your reach.
To achieving all your wishes, dreams and goals!
Mary Wozny
The more you do, the more you'll be able to do.
Begin the journey, and you'll set in motion a positive momentum that can surely carry you through.
Effort feeds upon itself.
Even though you start small, you can soon go very far.
Though you may not yet have what it takes to finish, you always have what it takes to begin.
And from the most modest initial effort, magnificent results can surely and eventually flow.
Whether the goal seems close at hand or infinitely far away, the way to reach it is the same.
Take the first step, set the momentum of your action in motion, and grow along with it until you are there.
Be willing to take the first step, then follow where each step leads.
And even the most ambitious goal is well within your reach.
To achieving all your wishes, dreams and goals!
Mary Wozny
Seattle, Washington Real Estate - Check Out the Funnies!
If you want one of a kind insight into the current state of Seattle’s housing market, the best place to go is right to the funny pages. A recent political comic that appeared in the Seattle Post-Intelligencer showed a child’s tree house with a sign denoting a $300,000 price tag for the “view.” This sums up the lava-hot housing market in Seattle perfectly.
2006 was a record year for the Emerald City with people flocking to the beautiful Pacific Northwest in search of high paying tech jobs and a winter with little or no snow. While the rainy winter season why be an emotional drain on some, the ever-climbing real estate prices tend to be a financial drain that more and more people are happier than ever to live with. With beautiful neighboring cities like Vancouver, B.C. and Portland, Oregon just a short drive away, it is no wonder that this amazing city has one of the strongest, and seemingly recession proof housing markets anywhere in the country.
While the 2006 real estate year was a record setter, the first quarter of 2007 looks to break those records with little effort. The average asking price for a single family home rose an astonishing 9 percent during one month (February to March of 2007) from $454,000 to $494,000. But if an asking price jump of 9 percent is impressive, the actual sales price jump of 9.5 percent over the same period is downright insane. The average sales price for a single family home in the Seattle area jumped from $452,000 to $495,000 in ONE MONTH from February to March. Combine with rising prices the fact that the time spent on the market over that same period dropped from 78 to 74 days, a decrease of over 5 percent, and you have a market that isn’t just hot, but is ready to explode. The question on everyone’s mind is can this continue and when it does finally stop, will it be a precipitous drop or a smooth leveling out?
One sign that the real estate market in the greater Seattle area might be coming back to earth is the sign that foreclosures are reaching all time highs throughout the Seattle area. According to recently released numbers, a record number of foreclosures have been issued during the first quarter of 2007, but even with this jump, Seattle is below the national average when it comes to the number of foreclosures issued. The hard numbers showed an increase of over 16 percent in April of 2007 over March in the number of foreclosures issued placed Seattle at 128th out of the 229 United States metro areas measured.
So, while many east coast housing markets are readjusting market prices to deal with their burst bubble, cities like Seattle and most of California continue to surge, albeit with a few bumps in the road. The problem with cities like Seattle is that the major draws (tech jobs, mild climate, beautiful scenery) isn’t enough of a force to keep a housing market surging at this level forever.
The market here will come back to earth within the next year or two simply because there is no conceivable way growth can continue at this rate much longer. But unlike many overcrowded cities back east, there is enough here to keep the market growing modestly, even after this surge is over. While there is some disagreement, most experts believe a “soft landing” is in store for the Pacific Northwest and not a “burst bubble” like we’ve seen in so many other markets across the country. The best advice for Seattle is to check back in at the end of the year and see what’s what. Investing now is simply too volatile.
Not so funny, eh!
Prosperous Investing,
Mary Wozny
2006 was a record year for the Emerald City with people flocking to the beautiful Pacific Northwest in search of high paying tech jobs and a winter with little or no snow. While the rainy winter season why be an emotional drain on some, the ever-climbing real estate prices tend to be a financial drain that more and more people are happier than ever to live with. With beautiful neighboring cities like Vancouver, B.C. and Portland, Oregon just a short drive away, it is no wonder that this amazing city has one of the strongest, and seemingly recession proof housing markets anywhere in the country.
While the 2006 real estate year was a record setter, the first quarter of 2007 looks to break those records with little effort. The average asking price for a single family home rose an astonishing 9 percent during one month (February to March of 2007) from $454,000 to $494,000. But if an asking price jump of 9 percent is impressive, the actual sales price jump of 9.5 percent over the same period is downright insane. The average sales price for a single family home in the Seattle area jumped from $452,000 to $495,000 in ONE MONTH from February to March. Combine with rising prices the fact that the time spent on the market over that same period dropped from 78 to 74 days, a decrease of over 5 percent, and you have a market that isn’t just hot, but is ready to explode. The question on everyone’s mind is can this continue and when it does finally stop, will it be a precipitous drop or a smooth leveling out?
One sign that the real estate market in the greater Seattle area might be coming back to earth is the sign that foreclosures are reaching all time highs throughout the Seattle area. According to recently released numbers, a record number of foreclosures have been issued during the first quarter of 2007, but even with this jump, Seattle is below the national average when it comes to the number of foreclosures issued. The hard numbers showed an increase of over 16 percent in April of 2007 over March in the number of foreclosures issued placed Seattle at 128th out of the 229 United States metro areas measured.
So, while many east coast housing markets are readjusting market prices to deal with their burst bubble, cities like Seattle and most of California continue to surge, albeit with a few bumps in the road. The problem with cities like Seattle is that the major draws (tech jobs, mild climate, beautiful scenery) isn’t enough of a force to keep a housing market surging at this level forever.
The market here will come back to earth within the next year or two simply because there is no conceivable way growth can continue at this rate much longer. But unlike many overcrowded cities back east, there is enough here to keep the market growing modestly, even after this surge is over. While there is some disagreement, most experts believe a “soft landing” is in store for the Pacific Northwest and not a “burst bubble” like we’ve seen in so many other markets across the country. The best advice for Seattle is to check back in at the end of the year and see what’s what. Investing now is simply too volatile.
Not so funny, eh!
Prosperous Investing,
Mary Wozny
Tuesday, May 29, 2007
Even Though - Let It Go
As we go through our day to day experiences and challenges, there are certain times that one specific thought or article has enormous impact on us. Today is such a day for me.
I've been dealing with ... well, I'll just say this, an irresponsible and seemingly crazy, irrational person who chooses not to face reality and who ......... here I could go on for hours! But rather than focus on being upset, angry and frustrated, I choose to let it go and to have abundant joy, peace and happiness in my life.
And so I wish the same for you and hope that you will take from this what you need to allow you to let your angers and frustrations go and choose to live an abundant and joyful life for yourself. Read on and enjoy!
Even though you have every right to be angry, you have every reason to let it go. For when you let go of your anger, you make more room for joy.
Even though your first impulse may be to retaliate, you're likely to be better off when you reconcile and forgive.
After all, when you've been hurt, it makes no sense for you to prolong the hurt with your own attitude and actions.
Even though the world is often cruel and unfair, it does not have to get you down.
The more fully and willingly you accept what is, the more power you have to improve upon it.
Even though many things will come along that could be frustrating and annoying, you can always choose to respond with patience and with grace.
By so doing, you'll be building strength as well as focusing your energy in a more positive and productive direction.
Even though events may not go your way, you can continue to move in the direction of your own choosing.
Success depends very little on being given what you want, and much more on becoming the best you can be.
Even though life has its setbacks, disappointments and tragedies, they pale in comparison to the new and positive possibilities that increase with each passing moment.
Choose to fully live the immeasurable blessing that is your life, and every day will move you forward.
Warmly,
Mary Wozny
I've been dealing with ... well, I'll just say this, an irresponsible and seemingly crazy, irrational person who chooses not to face reality and who ......... here I could go on for hours! But rather than focus on being upset, angry and frustrated, I choose to let it go and to have abundant joy, peace and happiness in my life.
And so I wish the same for you and hope that you will take from this what you need to allow you to let your angers and frustrations go and choose to live an abundant and joyful life for yourself. Read on and enjoy!
Even though you have every right to be angry, you have every reason to let it go. For when you let go of your anger, you make more room for joy.
Even though your first impulse may be to retaliate, you're likely to be better off when you reconcile and forgive.
After all, when you've been hurt, it makes no sense for you to prolong the hurt with your own attitude and actions.
Even though the world is often cruel and unfair, it does not have to get you down.
The more fully and willingly you accept what is, the more power you have to improve upon it.
Even though many things will come along that could be frustrating and annoying, you can always choose to respond with patience and with grace.
By so doing, you'll be building strength as well as focusing your energy in a more positive and productive direction.
Even though events may not go your way, you can continue to move in the direction of your own choosing.
Success depends very little on being given what you want, and much more on becoming the best you can be.
Even though life has its setbacks, disappointments and tragedies, they pale in comparison to the new and positive possibilities that increase with each passing moment.
Choose to fully live the immeasurable blessing that is your life, and every day will move you forward.
Warmly,
Mary Wozny
Monday, May 21, 2007
Real Estate Investing in Calgary, Alberta
Perhaps no region on earth has seen the incredible economic expansion that the province of Alberta has seen over the last ten years. And with this amazing economic burst came a real estate market that has been the hottest in Canada. And for those with enough foresight, this amazing boom was completely predictable.
Just in case you’ve been living under a rock, the fuel that has been driving this economic surge is oil. For decades, it has been common knowledge that one of the largest oil reserves on earth is under the rich Albertan soil but the problem has always been how to extract the precious crude from the sand in which it was trapped. For years, “experts” saw Alberta has a sort of lost paradise; an economy that literally had no bounds to it at all if it wasn’t for the sand. But, predictably, technology finally caught up to the dreams of investors in Alberta and the separation of the sand and oil is now economically viable. This has led to literal boom towns showing up in Northern Alberta, much like a modern day gold rush. Maybe the single biggest recipient of this windfall has been the city of Calgary. This “Texas of the North” has always held a particular entrepreneurial spirit but with yearly province budget surpluses now in the hundreds of millions, the city of Calgary, and the province of Alberta as a whole, have become the new wild, wild west of real estate investing.
But the big question that concerns everyone looking to invest in Calgary is will it continue? The most recent real estate figures are all pointing to yes. According to a study released in early May, 2007, new home building is up a robust 7 percent over the same time in 2006. So more and more homes are going up in Calgary, but what about long term trends? Very few investment markets anywhere in the world can top the growth that Calgary has seen over the last decade. Growth has topped out at about 20 percent per year, every year for the past ten years and it is due to much more than the black gold found in the Albertan soil. Calgary is truly a wide open space, a city that has room to expand on all sides and a city blessed with such beautiful scenery that it has become one of the most popular places to live anywhere.
The average selling price for a home in the city of Calgary right now is up 22 percent over last year to just over 450,000. The average selling price for a condominium in greater Calgary is doing even better, up over 27 percent in the last year to $326,000. And every expert out there sees these trends continuing as long as there is black gold in the ground. Oh, and just to give you some perspective there, experts predict that there is at least 1.2 trillion barrels of oil available for mining in the oil sands of Alberta.
So, what else can be said about this incredible investment jewel in the middle of the mountains and oil of Alberta? The most important thing to remember is that while this boom has been going on for a while already, it isn’t too late to get your piece of the pie. With improving technology, more and more of the Albertan oil sands are becoming mineable and treatable, which will only send the local economies of both Edmonton and Calgary higher. But you shouldn’t waste another moment thinking about investing in Calgary, the faster you act, the better your investment will be!
Happy Investing!
Mary Wozny
Just in case you’ve been living under a rock, the fuel that has been driving this economic surge is oil. For decades, it has been common knowledge that one of the largest oil reserves on earth is under the rich Albertan soil but the problem has always been how to extract the precious crude from the sand in which it was trapped. For years, “experts” saw Alberta has a sort of lost paradise; an economy that literally had no bounds to it at all if it wasn’t for the sand. But, predictably, technology finally caught up to the dreams of investors in Alberta and the separation of the sand and oil is now economically viable. This has led to literal boom towns showing up in Northern Alberta, much like a modern day gold rush. Maybe the single biggest recipient of this windfall has been the city of Calgary. This “Texas of the North” has always held a particular entrepreneurial spirit but with yearly province budget surpluses now in the hundreds of millions, the city of Calgary, and the province of Alberta as a whole, have become the new wild, wild west of real estate investing.
But the big question that concerns everyone looking to invest in Calgary is will it continue? The most recent real estate figures are all pointing to yes. According to a study released in early May, 2007, new home building is up a robust 7 percent over the same time in 2006. So more and more homes are going up in Calgary, but what about long term trends? Very few investment markets anywhere in the world can top the growth that Calgary has seen over the last decade. Growth has topped out at about 20 percent per year, every year for the past ten years and it is due to much more than the black gold found in the Albertan soil. Calgary is truly a wide open space, a city that has room to expand on all sides and a city blessed with such beautiful scenery that it has become one of the most popular places to live anywhere.
The average selling price for a home in the city of Calgary right now is up 22 percent over last year to just over 450,000. The average selling price for a condominium in greater Calgary is doing even better, up over 27 percent in the last year to $326,000. And every expert out there sees these trends continuing as long as there is black gold in the ground. Oh, and just to give you some perspective there, experts predict that there is at least 1.2 trillion barrels of oil available for mining in the oil sands of Alberta.
So, what else can be said about this incredible investment jewel in the middle of the mountains and oil of Alberta? The most important thing to remember is that while this boom has been going on for a while already, it isn’t too late to get your piece of the pie. With improving technology, more and more of the Albertan oil sands are becoming mineable and treatable, which will only send the local economies of both Edmonton and Calgary higher. But you shouldn’t waste another moment thinking about investing in Calgary, the faster you act, the better your investment will be!
Happy Investing!
Mary Wozny
Wednesday, May 16, 2007
A Moment of Peace
Give yourself a moment of peace. Let all the thoughts and sensations come, and then just as quickly let them flow on past.
Stop holding so tightly to the confusion that's around you.
Relax and enjoy a moment of peace.
Visualize a brilliant, refreshing peace, easily and naturally flowing out from within you.
And you'll experience that peace in abundance as it surely fills your world.
Enjoy a sense of peace by being that sense of peace.
Allow your life to embody the calmness and serenity of the peaceful person you truly are.
The peace you have to give will never run out.
Sending it outward serves to make it even stronger.
Be the peace you seek to know. And know the power that peace can bring.
Warmly,
Mary Wozny
Stop holding so tightly to the confusion that's around you.
Relax and enjoy a moment of peace.
Visualize a brilliant, refreshing peace, easily and naturally flowing out from within you.
And you'll experience that peace in abundance as it surely fills your world.
Enjoy a sense of peace by being that sense of peace.
Allow your life to embody the calmness and serenity of the peaceful person you truly are.
The peace you have to give will never run out.
Sending it outward serves to make it even stronger.
Be the peace you seek to know. And know the power that peace can bring.
Warmly,
Mary Wozny
Tuesday, May 15, 2007
Ophrah's Take on Real Estate - Good or Bad!?!
On a recent show, Ophrah said that "The sole difference between the wealthy and the poor are those who own real estate, and those who do not!"
But it is Buyer Beware for homebuyers and investors these days. Here are a couple of points to keep in mind when looking for the ideal property.
1. Choose a safe, secure location within 3 miles of schools and main thoroughfares.
2. Never get emotionally tied to a property because Emotion = Cost.
3. Find a credible developer and financier by checking references with a Business Bureau.
4. Focus on one niche of real estate first and surround yourself with a Power Team.
5. Beat others to the punch with effective and low or no cost referral marketing.
Luxury real estate will be desirable and affordable for some time to come. New home sales in the US hit an all time high this past year and coupled with some of the lowest interest rates in 50 years, and a higher average income earnings per household, means people are buying bigger and more luxurious properties, with no end in the sight in the forseeable future.
Warmly,
Mary Wozny
But it is Buyer Beware for homebuyers and investors these days. Here are a couple of points to keep in mind when looking for the ideal property.
1. Choose a safe, secure location within 3 miles of schools and main thoroughfares.
2. Never get emotionally tied to a property because Emotion = Cost.
3. Find a credible developer and financier by checking references with a Business Bureau.
4. Focus on one niche of real estate first and surround yourself with a Power Team.
5. Beat others to the punch with effective and low or no cost referral marketing.
Luxury real estate will be desirable and affordable for some time to come. New home sales in the US hit an all time high this past year and coupled with some of the lowest interest rates in 50 years, and a higher average income earnings per household, means people are buying bigger and more luxurious properties, with no end in the sight in the forseeable future.
Warmly,
Mary Wozny
Sunday, May 13, 2007
Marketing Mistakes to Avoid
There are common marketing mistakes that many investors make with age old strategies such as postcards, bandit signs and classified ads. Here’s a list of some of them to avoid.
1. Not having a marketing strategy at all - you simply can’t go out and place bandit signs in neighborhoods and intersections without planning, testing and reviewing the quality of response rate that you get.
2. Not identifying what strategies work in your market and sticking with them - you need to know which strategy works in your marketplace and which doesn’t to maximize your return on your marketing investment of time, effort and money.
3. Not staying within a budget and wasting your money - determine what your monthy budget is for your marketing expenditures and stay within it to avoid the unexpected cash crunch you’ll face by not staying within your budget.
4.. Having no competitive advantage over other investors like you - find out what it is that you can focus on that will drive people to you rather than another investor - what sets you apart from others? Come up with a unique selling proposition that sets you above others.
5. Not being persistent - people get discouraged when it takes a little longer than they want to develop new business. With consistent marketing efforts you will develop a large database of leads that has real value to your business, it simply requires a bit of nuturing and the key ingredient - follow up!
6. Following the herd and their marketing strategies - much like finding your competitive advantage, be different, don’t use the same strategies other investors use, develop your own unique marketing plan and stick to it. Find a “niche” for yourself and develop this core.
Prosperously yours,
Mary Wozny
1. Not having a marketing strategy at all - you simply can’t go out and place bandit signs in neighborhoods and intersections without planning, testing and reviewing the quality of response rate that you get.
2. Not identifying what strategies work in your market and sticking with them - you need to know which strategy works in your marketplace and which doesn’t to maximize your return on your marketing investment of time, effort and money.
3. Not staying within a budget and wasting your money - determine what your monthy budget is for your marketing expenditures and stay within it to avoid the unexpected cash crunch you’ll face by not staying within your budget.
4.. Having no competitive advantage over other investors like you - find out what it is that you can focus on that will drive people to you rather than another investor - what sets you apart from others? Come up with a unique selling proposition that sets you above others.
5. Not being persistent - people get discouraged when it takes a little longer than they want to develop new business. With consistent marketing efforts you will develop a large database of leads that has real value to your business, it simply requires a bit of nuturing and the key ingredient - follow up!
6. Following the herd and their marketing strategies - much like finding your competitive advantage, be different, don’t use the same strategies other investors use, develop your own unique marketing plan and stick to it. Find a “niche” for yourself and develop this core.
Prosperously yours,
Mary Wozny
Wednesday, May 9, 2007
Wings on Which to Soar
A sure way to heal a disagreement is to focus on your sincere appreciation for the relationship.
An effective way to recover from financial setback is to focus on your gratitude for the many forms of abundance in your life.
To get beyond fear, fill your thoughts with thankfulness for the abilities and resources available to you.
To successfully deal with disappointment, immerse your awareness in those things for which you can be truly grateful.
There is real power in gratitude.
It can calm your anxieties and refresh your spirit.
The more thankful you are for your blessings, the more valuable and numerous those blessings will be.
Each moment you spend with a grateful heart is a moment in which your ability to move forward is at its greatest.
The more you practice gratitude and integrate it into your being, the more easily and naturally it comes.
The more gratitude you express, the more reasons you'll have to express it.
Gratitude can open your eyes and your heart to the very best that life has to offer.
It will give you wings on which to truly soar.
Warmly,
Mary Wozny
An effective way to recover from financial setback is to focus on your gratitude for the many forms of abundance in your life.
To get beyond fear, fill your thoughts with thankfulness for the abilities and resources available to you.
To successfully deal with disappointment, immerse your awareness in those things for which you can be truly grateful.
There is real power in gratitude.
It can calm your anxieties and refresh your spirit.
The more thankful you are for your blessings, the more valuable and numerous those blessings will be.
Each moment you spend with a grateful heart is a moment in which your ability to move forward is at its greatest.
The more you practice gratitude and integrate it into your being, the more easily and naturally it comes.
The more gratitude you express, the more reasons you'll have to express it.
Gratitude can open your eyes and your heart to the very best that life has to offer.
It will give you wings on which to truly soar.
Warmly,
Mary Wozny
Subscribe to:
Posts (Atom)
