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

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

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

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

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

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

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

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:::

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

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