Mary Wozny Reports On ...

You Have the Ability Within You ....

2010-04-14T18:28:00.000-05:00

Often I have people ask me the question, 'how do I do it?" "How do I make the changes that I need to make?" They feel and have a sense of what they need to do, but they have no way and no belief in themselves in their ability to do so. They will proceed to tell me all the reasons they can't. Rather than explain why you can't, I invite you to find the reasons why you can. Because I have faith in you and I know that you can. And so I share this piece with you................

If you have the ability to complain about something, you also have the ability to take the positive action that will make it better.

And taking positive action is infinitely more effective than merely complaining.

If you have cause to get angry, then you also can turn the energy of that anger in a positive direction.

You can then resolve the situation in a way that is peaceful and valuable for all concerned.

If you have reason to be frustrated, you also have the motivation necessary to get beyond whatever is frustrating you.

Whether you work to eliminate the cause of your frustration or grow beyond it, no frustration ever has to continue troubling you.

If you have experienced disappointment, you also have learned a valuable lesson.

Go forward, apply what you have learned, and transform your disappointment into a positive turning point.

If you have known loss and sadness, then you also have gained a profound understanding of how very precious life is.

Take the opportunity, for which you've paid so dearly, to raise yourself to a whole new level of meaning and fulfillment.

If you face a difficult challenge, you also have the opportunity to grow stronger, more capable, wise, experienced and resilient.

Embrace those opportunities, for in them you will find the sweet substance of life.

Mary Wozny

Happy Endings........

2010-04-11T16:50:00.001-05:00

"I always wanted a happy ending... Now I've learned, the hard way, that some poems don't rhyme, and some stories don't have a clear beginning, middle and end. Life is about not knowing, having to change, taking the moment and making the best of it without knowing what's going to happen next. Delicious ambiguity! " Gilda Radner

New BFS Mortgage Insurance Rules in Effect

2010-04-10T12:42:00.000-05:00

The new CMHC rules for self-employed borrowers took effect Friday and pose new challenges for this category of client.
First off, self-employed borrowers with more than three years in the same business who apply for a mortgage using stated income, as well as commissioned-income borrowers, are now required to provide to provide traditional proof of income (or "third party validation") through documents like financial statements, contracts and T4s.

Those who have recently become self-employed and don't have third-party validation can still apply for a mortgage, but have to come up with a 10 per cent down payment instead of five per cent. Refinancing will also be cut to 85 per cent loan to value instead of the previous 90 per cent.
Brokers have been giving the rule changes mixed reviews with some sayings the latest move was "off the wall" and hopes that if enough people talk about their displeasure with the changes, the CMHC might alter its decision.

"I don't think this was a good decision - it doesn't make sense now," one broker said, adding it also makes writing off income for tax purposes more difficult for BFS clients.

Some brokers on the other hand, agrees with CMHC's decision.

"The more people who default on loans, the worse the market becomes," they state, noting they felt a lot of self-employed people have qualified for mortgages when they shouldn't have. "This provision for self-employed is going to put the right people in the right structure of home."

Mary Wozny

Persistence ....

2010-04-09T20:28:00.001-05:00

Nothing in the world can take the place of Persistence. Talent will not; nothing is more common than unsuccessful men with talent. Genius will not; unrewarded genius is almost a proverb. Education will not; the world is full of educated derelicts. Persistence and determination alone are omnipotent. Calvin Coolidge

Report Says 1 in 4 Canadians House Poor

2010-04-05T09:27:00.001-05:00

One in four Canadians rely on subsidies or spend over 30 per cent of their pre-tax income on housing costs, including mortgages and rent, according to a report by the Conference Board of Canada.

According to the report, a household is unaffordable if more than 30 per cent of its pre-tax income is spent on household costs - a situation that more than three million Canadians find themselves in. The typical household spends 50 per cent more on shelter than on food and over five times more on shelter than on clothing.

"The quality and cost of housing are major factors in the health of Canadians," said Diana Mackay, conference board director of education and health. "However, about one-fifth of Canadian households do not have the resources to afford both good-quality homes and other health-enhancing expenditures, such as nutritious food or access to recreational activities."

The report warned that the high number of Canadians stretched too thin negatively affects their health, productivity, and national competitiveness, and increases the cost of health-care and welfare.

Warmly,
Mary Wozny

Happy Easter!

2010-04-04T10:17:00.001-05:00

Wishing you all a wonderful Easter filled with love and joy, sharing time and making memories with loved ones, family and close friends.

Blessings and love,

Mary

Stress! Can You Relate to This Word?

2010-04-03T10:14:00.000-05:00

I wonder if you can relate to that one word! What pictures does it bring to mind for you?

One of the most common complaints people have is that they have and they are under so much stress. I’m sure you hear this every day, I know I do! Of course they all believe that is a negative thing. This is not always the case.

Stress can actually be good for you. Some stress is normal and useful and in times of crisis or emergency it helps you act quickly or meet a deadline you may have.

However, if stress happens too often or last too long, it can be very dangerous to your health. Stress is linked to headaches, stomach upset, difficulties sleeping, back pain, moodiness, tenseness and depression.

Stress weakens your immune system making it harder for you to fight off disease and making existing health conditions worse. Over time, stress works unseen within us and harms our bodies, causing degenerative diseases, ulcers, heart disease, cancers, diabetes, metabolic syndrome and a host of other illnesses. The effect of being overweight compounds the effects of stress further harming your health. Poor nutrition and poor nutritional supplementation exacerbates this.

Stress is a matter of perception. What one person believes to be stressful may be seen as perfectly normal for someone else. How you view a situation determines how much stress it causes you, meaning only you can evaluate the amount of stress in your life and learn better ways to cope with it.

Everyone has a choice in how they react and perceive situations. It’s up to you to make the decision to make the necessary changes in your life. It really is easy enough to do, the toughest part is making the decision to actually make some changes.

You can make positive changes and decrease your stress by scheduling and prioritizing, by getting plenty of rest, eating well, drinking responsibly and not smoking, exercising, joining a yoga group or taking up meditation, learning to say no and implementing some boundaries in your life. Nourishing your cells at the cellular level is an optimal way of maintaining your health and well-being, giving you more energy and vitality and over time, healing your body from within. View my website if you wish to learn more about the number one rated nutritional supplementation program in North America.

Remember to alleviate stress, pamper yourself, relax your body using breathing techniques, exercise or dance, listen to soothing music, live in the present, the ‘now’, and laugh. Above all, life is to be lived and enjoyed to its fullest!

For your FREE Health Assessment, go now to http://tinyurl.com/ylfzq6a.

For the #1 Rated Nutritional Supplement in North America andrecipient of the "NutriSearch GOLD Medal of Achievement" award,go to www.VibrantlyHealthyForLife.com today!

To your vibrant health,
Mary Wozny

Achieve Integrated Health ............

2010-04-01T14:44:00.000-05:00

I invite you to visit my site and allow me to assist you on your path to optimal and vibrant health today.

Learn more about my services at http://www.VibrantHealthandProsperity.com

I look forward to making your acquaintance and supporting you with your health goals.

To your vibrant health,

Mary Wozny

#MaryWoznyInspires
#MaryWoznyHealth

Banks Start Interest Rate Shake Up...

2010-03-30T16:38:00.000-05:00

Four big banks have increased their posted rates on fixed mortgages, signaling the start of an upward move on record-low interest rates.

Royal Bank, TD Canada Trust and Laurentian all moved their posted rates on five-year fixed mortgages by 0.6 per cent yesterday, a move followed by CIBC today. Many non-banks have already followed, prompting a surge in requests from variable-rate clients to lock into fixed rates.

The interest rate increase will also mean higher qualifying criteria for new clients, who must meet the five-year posted fixed rate when the new mortgage insurance rules kick in on April 19.

CIBC economist Benjamin Tal told the Globe and Mail the rise in rates along with other factors means the booming housing market will slow down significantly after spring.
"Given where interest rates are now, I still think you'll see an extremely strong spring. However, after that I think the housing market will stagnate," Mr. Tal said. "We are in the ninth inning of this booming house market. We are not expecting a crash, but we will stagnate."

How Good You Have It .......

2010-03-29T08:48:00.000-05:00

Do you fully realize how good you have it?

Or do you take all the good and valuable things for granted, focusing only on the troubles and disappointments?

Sure, you have problems, and of course there are challenges and difficulties.

The best way to move forward through those difficulties is by staying connected to the real, enduring goodness in your life.

Stop for a moment and think of five things in your life for which you can be truly thankful.

Then consider what you could do to build and nurture those things, to make them more influential in your thoughts and your actions.

It's easy for the pressing problems of the moment to overwhelm your thinking.
So it's up to you to provide a powerful, positive alternative.

When you have something to be thankful for, you have something real and valuable to go on.
You have a solid foundation from which to build.

And no matter where you may be or what may have happened, you do indeed have many things for which you can be truly thankful.

The more completely you stay connected to them, the more surely life will move in the direction you desire.

For your FREE Health Assessment, go now to http://tinyurl.com/ylfzq6a

For the #1 Rated Nutritional Supplement in North America andrecipient of the "NutriSearch GOLD Medal of Achievement" award,go to www.VibrantlyHealthyForLife.com today!

To your vibrant health,

Mary Wozny

Join my team of successful business builders and live in "True Health andTrue Wealth" at http://marywozny.hfteambuilder.com/go2/.

Quickly Let It Go .......

2010-03-27T20:36:00.001-05:00

The energy you devote to being annoyed brings you nothing of value in return.
So choose to quickly let go of your need to be annoyed.
The time and energy you put into being offended adds nothing positive to your life.
So decide to quickly let go of your need to be offended.
Winning petty arguments will do nothing to enhance your relationships.
So find a way to quickly let go of the need to prove that you're right.
There are many things that can hold you back.
But they'll hold you back only as long as you continue to hold on to them.
Each day is filled with plenty of valid reasons to be angry, resentful, jealous, frustrated, offended and annoyed.
All that negativity can stop you cold if you allow it to take up long-term residence in your life.
So make the choice to quickly let it go.
And free yourself to soar above it all.

Find out what 6 Gold Medal, 8 Silver Medal and 8 Bronze Medal Olympic winners use to support their nutritional needs, visit www.VibrantlyHealthyForLife.com!

To your vibrant health,

Mary Wozny

For your FREE Health Assessment, go now to http://tinyurl.com/ylfzq6a.

Anxiety.....Do You Feel It?

2010-03-10T10:08:00.002-05:00

I had an email cross my desk that I believe many of us can relate to, some of the obstacles are onesyou may be facing now or have in the past.

I’m talking about the anxiety that comes from the stress of not knowing what to do, how tomake a different life for yourself and your loved ones.

I can remember a time in my life when I would get bills that I didn’t have the money to pay.

I can remember watching my family members struggling and feeling ANXIETY becauseI couldn’t help them.

I can remember losing jobs that were paying my bills and not knowing how I’d make endsmeet the following month.

I can remember watching family members and friends going through exactly the same thing,wondering when will it end?

In those situations, there was NO QUICK FIX for the anxiety that I or others felt.

Can you relate to this feeling? Do you sometimes ask yourself the same questions?

As I’ve studied the psychology and the PROCESS of creating business and money success,the more I realize that there are problems that you can’t solve instantly.

And the longer they go without being solved, the worse they get.

It’s like a vicious cycle…

You don’t have the money to buy the things you want or pay your bills, so you feel anxiety.

The anxiety sucks up your energy and attention, so you don’t work on a plan to get on the right track.

This creates a literal downward spiral…..and it keeps getting worse.

So what’s the ANSWER?

Well, if you’ve read the book Rich Dad, Poor Dad then you know that probably the BEST way to fixthis downward loop is by starting your own BUSINESS.

That’s the way almost all of the really successful, financially independent people alive have done it.

That’s the way I’ve done it.

And that’s the way YOU are probably going to have to do it – if you want to escapethe ‘water treading’ of debt and anxiety.

Now, I realize that this is a little bit of a heavy emotional message.

But it helped me to remember how it FEELS to really be under INDIVIDUAL financial pressure.

And it reminded me that the only consistent, predictable, proven way OUT of that problemis to create your own foundation of solid cash flow with a BUSINESS.

So that’s my message to you today.

You can’t do big things for yourself or for others if you’re constantly feeling a ton of pressure and anxiety.

And you can’t create long-term security for yourself in the old ‘job’ model of the world.

We don’t live in 1960 anymore .

The big corporations aren’t going to take care of you, your friends, and your family.

If you want to control your financial life and your financial future, then you’re going to haveto take matters into your own hands.

Check this out. It may just be the answer to you're looking for!
http://marywozny.hfteambuilder.com/go4/

To your vibrant health and prosperity,

Mary Wozny

I Ask Myself .... Who Am I?

2010-02-19T23:11:00.001-05:00

Sounds very introspective right? But really who am I and why am I here?

I’m just like you are. Plain and simple. I eat, I sleep, I laugh, I cry, I play, I volunteer, I work, I get tired like you do, I cook, I clean, I have challenges to deal with and I want something even better in my life, just like you do. I want to share a bit of me with you.

Some of you may resonate with this and some of you won’t. For those that do, how wonderful! You’ve obviously been looking within yourself for some answers, asking some of those same questions, realizing that there is more to life and our purpose here ….for those that don’t, that’s perfectly fine, I wish you well. We are exactly where each of us is meant to be at this moment in time and doing exactly what we’re meant to be doing. I choose to view life from a perspective of abundance and acceptance.

I hope you don’t mind me sharing with you. I’ve been doing a lot of reflecting lately, it’s been an ongoing process for many, many years and I’ve come to one of those crossroads in ones’ life. I’ve learned many things about myself and have been blessed to grow spiritually and wondrously. I realize that this is definitely a long letter – yikes! There is so much I want to say to you!

This afternoon, in need of some serious recharging, I went out for a long walk in the cold and snow. I went to my favorite spot on the water overlooking the Bay, a place where I often reflect and chat with the Big Man above. It feels like it’s just me and the universe out there. I enjoy the beauty of nature, the mountains when I turn one way and put my face into the sun and the Bay covered in ice and frozen drifts in the other direction. I draw my strength and energy from these times.

Certainly, life has been full of many different challenges for me; some devastatingly so, such as the loss of my son over 3 years ago. He chose to suddenly sever his relationship with me, his sister and his extended family, aunts/uncles/cousins, following in his fathers’ footsteps and ‘cutting’ people out of his life. Divorce can destroy a family and the fallout from it can be horrendous. It is so sad. I ask my Higher Power whom I call God, what is the reason for this? Why? What lesson do I need to learn from this? How can I learn from this? The health challenges I’ve had to deal with have been quite honestly, pretty frightening. But once again, there are lessons to be learned from that too. Priorities to get straight - Lessons to learn!

Like all things in life, and because I truly wanted to, I’ve learned so many of these lessons. I’ve come to realize that these challenges presented me with the lessons and processes that I needed for myself to bring me to right now, to the beautiful person that I am and to get me where I needed to be right now to live out my life’s purpose. My son has his own healing to do and his own path to follow and I accept this and move on. I will always love him and pray he finds his way back to love one day.

A line I read today says “Wisdom is knowledge gained by experience and implemented by love”. This resonated with me and spoke deeply to my soul. I am a soul full of Wisdom and I love.

The ‘things’, the ‘stories’, the ‘events’, the ‘health challenges’ are all what I call the ‘junk’ of what has taken place. They are simply the story behind what has formed me into the person that I am today.

I am soul, and I live from my soul. I cannot live from any other place. I choose to live in peace, joy and harmony with myself and others. That is what is important to me. I affirm daily that I am a radiant being filled with light and love.

I’ve been so blessed on this journey. As I’ve dug deeper within myself to my core, my soul, and listened to it, I have received many, many blessings.

My beautiful daughter is the light of my life. She lives from her own soul; her light and love shine through in everything she does. My daughter is one of my ‘whys’, she’s what keeps me going and someone I learn from constantly! She talks…..I listen! She’s an amazing communicator and is brilliant in her own right with so many gifts to give the world.

I’ve been honored to share my good friends’ final and painful journey with him, holding his hands and closing his eyes as he passed on. I believe it’s the reason we were brought together in the first place so he wouldn’t be alone on this journey.

And I’ve been blessed to have what I call my ‘one great love’ come into my life for a time, bringing me such joy, happiness and radiance, showing me what a true good and honorable man is like.

I am so incredibly blessed and grateful for all I have received; I have so much to give.

I continue with my studies in Esoteric Psychology, a passion of mine, it’s simply the way I live my life, from a place of awareness, consciousness and connection with the universe and all things in it. I embrace life and everything in it.

I am a Rotarian and proud of it! Rotary’s motto is “Service Above Self”, pretty simplistic but precisely why Rotary exists, to raise money and help others all over the world. It’s thrilling to me to be a part of something so vital and that is changing lives around the world.

My passion is to help others. I can’t tell you all the ways that will manifest. I can tell you that it will be from a place of joy and service. I choose to surround myself with loving, kind and empathetic people. With people who care. I am focusing my energies on building my health and wellness business. How can I not when this has saved my life and provided for me when I was away from it? To be honest, real estate is just not my passion, it was a way, but I find it driven by too many egos and what I’ll simply call negative vibes.

I want to work with people who are positive and kind, who have dreams of a better life for themselves, who accept responsibility for themselves, people who live in the moment not in the past, people who want to take action and build that better life, the life of their dreams. I want to work with people that are interested in health and people that want to build wealth.

The knowledge and skills are easily learned and not the most important things to me right now. It’s who you are and the core values you live by that are more important to me. I want to work with people who care, people with good energy.

I ask you …What is your why? What is your dream? How big is it? After all, the biggest dream is just the right size.

I ask you …….. Who are you? Are you one of the ones I’m looking for?

To your health and prosperity,

Mary Wozny

Register Now - Tools to Reclaim Your Power

2010-02-07T09:33:00.001-05:00

Have you lost a sense of your personal power lately? How many of you could use some NEW tools and techniques to reclaim your power?

I'm so pleased and delighted to share with you a free and exciting event that's just starting. It's the third season of the The Aware Show teleseminar series... Tools To Reclaim Your Power.

Each guest on The Aware Show Teleseminar Series is either a best-selling author or new thought leader in their own right, but how do you think they came up with the tools they use to get them through challenging times and rise to the top of their field? You can get first hand access to the tools and techniques that some of the greatest minds in the human potential movement use in their own lives on a daily basis. How many of you could use some new techniques to reclaim your power?

The series is produced by renowned host of The Aware Show, Lisa Garr, who has been on Public Radio KPFK (90.7 FM) for over a decade. In that time Lisa has interviewed the most established leaders in the human potential movement. She is now bringing her connections, insights and remarkable interview skills to a new interactive forum where you can question and converse with the best of the best. You'll appreciate her engaging and enthusiastic interview style.

http://www.1shoppingcart.com/app/?Clk=3530208

Lisa will be interviewing me twenty four experts about "Tools To Reclaim Your Power". Quite often, as we face our own challenges in life, we slowly lose our own sense of self-worth and we wind up operating with half of the energy we need in order to be happy, make quick decisions, and deal with life. This process often happens without our awareness until it’s too late. Would you like to know how to reclaim your power that might have been lost?

Joining Lisa will be guests who will be sharing their tools and techniques to reclaim your personal power so you can learn and be able to immediately apply new techniques to manage your life to its fullest potential.

Here is a sampling of the amazing experts who will be a part of this series...

Wayne Dyer

Wayne Dyer is one of the most popular best-selling authors and Lecturers on spiritually motivational topics. With over 30 books, many audio programs, and videos. Wayne has also delivered his inspiring message on thousands of television and radio shows.

Caroline Myss

Caroline Myss has been in the field of energy medicine and human consciousness for 20 years. Since 1982, she has worked as a medical intuitive, providing individuals with an evaluation of the health of their energetic anatomy system. She specializes in assisting people in understanding the emotional, psychological, and physical reasons why their bodies have developed an illness.

Lisa Nichols

Lisa Nichols is a dynamic international motivational speaker and powerful advocate of personal empowerment. She is the Founder and CEO of Motivating the Teen Spirit, which is recognized by many as one of the most comprehensive empowerment skills programs available today for teen self-development.

Peggy McColl

Peggy McColl is a New York Times Best Selling Author and an internationally recognized expert in the area of goal achievement AND an expert in helping experts create products, make money online and create "best sellers"! With her goal achievement seminars, speaking engagements and books she has been inspiring individuals, professional athletes and organizations to realize their goals and reach their maximum potential for the past twenty-five years. Her purpose is to make a positive contribution to the lives of millions!

Judith Orloff

Judith is the author of the new bestseller "Second Sight: An Intuitive Psychiatrist Tells Her Own Extraordinary Story And Shows You How To Tap Your Own Inner Wisdom". She is a psychiatrist, intuitive, and New York Times Bestselling author who offers traditional medicine with intuition, spirituality and energy medicine.

There are 24 speakers in all including: Michael Beckwith, Marci Shimoff, Yvonne Oswald, Hans King, Sheila Stewart, Joe Nunziata, David Wolfe, Bernie Siegel, Maryam Webster, Joan Borysenko, Alison Armstrong, Chris Howard, Gay & Kathlyn Hendricks, Michael Tamura, Les Brown, and more.

The first call is on Wednesday, February 10th, 2010 at 6:00 PM Eastern (5:00 PM Central, 3:00 PM Pacific).

I know you will enjoy connecting with this amazing group! Did I mention this is all completely free?

Take advantage of this invitation to interact with these personal development experts right now. Click on this link to register for your free seat...

http://www.1shoppingcart.com/app/?Clk=3530208

After you register, keep an eye out for Lisa's email with the details for listening in on the calls.
Also, be sure to click on the special link in Lisa's email and grab your bonus gifts that you can use right away. They are yours just for enrolling in this free series.

Yours truly,
Mary Wozny
Vibrant Health & Prosperity Inc

P.S. Remember, there are a limited number of seats available for this complementary teleseminar intensive series, and they're likely to fill up fast. So join us now, while the opportunity is here in front of you...

http://www.1shoppingcart.com/app/?Clk=3530208

P.P.S. Also, if you can't make the LIVE calls every Wednesday and Thursday at 6:00 PM Eastern (5:00 PM Central, 3:00 PM Pacific) starting on Wednesday, February 10th, 2010, they will be recorded and available after each show for a limited time so you won't miss a thing. We'll send you the web address of the recording as soon as it's posted on our website. So join us now, while it's fresh on your mind...

http://www.1shoppingcart.com/app/?Clk=3530208

Ottawa Area Realtors Scramble for Listings

2009-10-06T14:35:00.001-05:00

According to an article in todays Ottawa Citizen, homeowners in Ottawa are staying put, leaving real estate agents scrambling to find listings and creating one of the strongest seller's markets the nation's capital has seen in years.

According to the president of the Ottawa Real Estate Board, realtors in Ottawa have fewer than 3,800 resale homes available to sell. Although listings traditionally drop in the fall, realtors had more than 4,700 listings at this time a year ago.

Yet even with the limited supply, the board reported its best-ever September with 1,220 sales, topping the 1,208 sales of September 2008. That pushed the average resale price to $304,789, a 5.7-per-cent increase from a year earlier.

According to one Re/Max agent in Ottawa's west end, he is finding the market so constrained that he has sold off his last remaining houses and now has no listings of his own, indicating that "it's not the first time in his career that he's been 'listless'." "Listing inventory is definitely down. But it's not like they have been expiring, we have sold them all. It's very much a strong market right now."

The economic slowdown has caused many potential sellers to decide simply to ride out the slump. As a result, buyers who hope to tap into low interest rates must scramble for available homes.

Buyers are facing multiple offers on homes and that is influencing the upward prices. Whatever inventory is coming on the board is selling.Agents are also dealing with intense competition from newcomers that help sellers market their home directly to eager buyers.
The supply shortage is pushing builders to step up construction of new homes. The value of building permits in Ottawa jumped 8.1 per cent to $161.8 million in July, the most recent month for which statistics are available. That's up from the $149.6 million worth of building permits sought in June, according to Statistics Canada.

The increase supports a Canada Mortgage and Housing prediction in September that the pace of new home construction in Ottawa will take off in late 2009.

The resale market looked anemic in the first few months of 2009. At the end of March, 2,479 resale homes had been sold in Ottawa, an 8.7-per-cent drop from the first three months of 2008.

But September's record pace builds on a strong July and August for the real estate board.
As of September, condominiums were selling for an average $241,458, and other residential properties for an average $322,960, the board said.

Warmly,
Mary Wozny

Due to Overwhelming Demand - Encore Saturday Call About Business Credit

2009-10-02T16:40:00.000-05:00

People are flipping out over Tom's new $300,000 business credit system that will provide you with the cash you need for any investments. And if you missed the last training call Tom offered to my students regarding this important topic, he has agreed to offer an encore of the business credit training this weekend.

The business credit training call will be Sat. Oct. 3rd at 9am pacific time, 10 am mountain, 11 am central and 12 noon eastern.

Go get detail at the website:

https://m353.infusionsoft.com/go/pcall/mary/

Get expert advice on how to build a worthy business credit profile for your small business funding needs!

And see a sample demonstration of the exact kind of lending programs they have to offer!

Go to the website:

https://m353.infusionsoft.com/go/pcall/mary/

Warmly,
Mary Wozny

Where to Get $300,000 in New Business Credit

2009-09-24T19:13:00.002-05:00

The Million Dollar Business Credit Question is Answered ....

One of the year's most anticipated programs, Shortcut To Money Secrets, is finally going to be released on Tuesday.

So I want to share a video with you that can have a dramatic impact on your business and your profits. This short video details the 10 things you must know to start getting and using cash lines of business credit.

Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/

Just put your name and email address in there and watch the video. It doesn't cost anything and it's a fantastic watch, especially the bloopers at the end.

Tom has already given away over 6,000 downloads of his new business credit forecasting software to my subscribers in the last week.

So this new video of his is really going to answer the most important million dollar question about getting business credit that can be used for any purpose.

Go to the site: https://m353.infusionsoft.com/go/sms-launch/mary/

P.S. Remember that Tom's new program goes live world-wide on Tuesday. So don't miss your chance to get $300,000 in easy access business credit!

Multivitamin use in Adult Women is Associated with Telomere Length

2009-09-23T16:05:00.001-05:00

New evidence shows that multivitamin use may decrease oxidative stress to the human chromosome and increase the length of telomeres (tips of chromosomes), which could relate to prolonged chromosome life and decreased biological aging.

Telomeres are found at the end of a chromosome and are required for replication and stability. It is thought that telomere length may be a marker of biological aging. Multivitamin supplements represent a major source of micronutrients, which may affect telomere length by modulating oxidative stress and chronic inflammation.

Recent research has sought to examine whether multivitamin use is associated with longer telomeres in women. Scientists performed an analysis of data from 586 early participants (ages 35–74 years) in the Sister Study. Multivitamin use and nutrient intakes were evaluated with a 146-item food frequency questionnaire, and relative telomere length of the participant’s DNA was measured. After age and other potential factors were adjusted, multivitamin use was associated with longer telomeres. The relative telomere length of DNA was on average 5.1% longer among daily multivitamin users, compared to nonusers.

In the analysis of micronutrients, higher intakes of vitamins C and E from foods were each associated with longer telomeres, even after adjustment for multivitamin use. In addition, intakes of both nutrients were related to telomere length among women who did not take multivitamins.

This study provides the first epidemiologic evidence that multivitamin use is associated with longer telomere length among women, and could possibly relate to a decrease in biological aging.

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

Need Money? The Secret About Credit That Will Change Your Life.

2009-09-22T20:52:00.002-05:00

I've found a short cut to money that you have to take a look at.In the next two minutes your going to learn something about credit that most folks will never know.It concerns the most profitable loophole in the credit reporting system.

Interested?

If you are, then please read this article written by national business credit expert Thomas Kish. This short cut to money has changed a lot of peoples lives.

By Thomas Kish, President of CashFlowExperts.Biz ......

Almost everyone knows that a loan or credit card in your personal name gets reported to the credit bureaus. And this activity shows up on your personal credit report. The more you owe on your credit report, the lower your FICO credit score will be. And having bad credit will cost you dearly.

But - pay attention now - there is a way to get loans and credit cards that NEVER show up on your personal credit report.

And here it is...

Here's how it works. When you get a business line of credit or business credit card In the name of a business, from my list of approved lenders - it will never appear on your personal credit report.

So you can get large amounts of cash and credit lines from the banks I work with everyday without worrying about hurting your personal credit. You can use this cash for anything you want to, and your assets will remain confidential.

And you can start a business on paper for almost nothing. Just pick out a cool name for your new business and submit it on-line. You will have your business papers back in a few days.
Remember, no matter how much cash you take out in the name of your business, your personal credit score never drops.

You can get $200,000 to $300,000 in cash and UNSECURED new business lines of credit by simply following my system. An unsecured business line of credit is the easiest short cut to getting money that you will ever find.

An unsecured business line of credit is simply a loan you get in the name of a business without having to give up any collateral.

Business lines of credit come in the form of multi-year loans, convenient checks and business credit cards that offer cash advances that can be used anywhere.

The money available from a business line of credit can be accessed as cash wired directly into your account, with check writing privileges or like any other credit card with a interest free grace period.

You can use business lines of credit for so many things -

1. Real Estate investing
2. Stock market investing
3. Starting a new business
4. Growing an existing business
5. Advertising
6. Creating an internet business
7. Writing a book or a screen play
8. Ebay business opportunities
9. Investing in livestock or race horses
10. Or any other business activity you can dream of

This is the best way most people have ever seen to get cash to buy real estate or start a business. Because, in effect, the money is invisible. It does not show up on your personal credit report while you are using it.

Some people may think this is to good to be true. But savvy businesses have known about business lines of credit for the last 50 years.

Isn't it time you learn about this EASY money source too.

Go to: https://m353.infusionsoft.com/go/sms-launch/mary

About Thomas Kish.

Thomas Kish is an author, speaker, business consultant and an active real estate investor.
He is a national expert in the area of business credit and has shared the stage with best selling authors Robert Allen, Mark Victor Hansen, and Robert Kiyosaki . Tom has bought and sold 8 million dollars worth of real estate using business lines of credit instead of using his own money.
And he has helped thousands of people change their lives with business lines of credit.

If you need money for your business check this out now!

https://m353.infusionsoft.com/go/sms-launch/mary

Mortgage Debt Elimination Program

2009-09-15T15:15:00.001-05:00

Announcing a New 90 Days to Mortgage Freedom Program!

Do you want to pay off your mortgage in as little as 3 to 6 months?
Learn about the little known Private Banking strategy to settle or cancel your mortgage to ZERO balance.

Get your FREE detailed ebook and video NOW by clicking this link:

http://tinyurl.com/q55son

By turning yourself into a public 'creditor' and truly understanding the mortgage origination process, you may be able to free yourself from mortgage debt forever. Sounds unbelievable until you know the FACTS.

Go here to find out how http://tinyurl.com/q55son

Warmly,
Mary Wozny

New Canadians Drive Canada's Housing Demand

2009-09-15T09:22:00.001-05:00

As a result of stronger labour markets and mortgage product innovation, the homeownership rate rose for all immigrant groups regardless of how long they had resided in Canada.

As more immigrants transition from renting to owning, they will continue to drive housing demand, most notably in the condo market. Research has shown that immigrant homeowners are more than twice as likely to live in a condominium than their Canadian counterparts. The report also indicated that 69 per cent of immigrants who came to Canada between 2001 and 2006 settled in Toronto, Montreal and Vancouver.

Warmly,
Mary Wozny

Is Canada's Commercial Real Estate Market Set for a Comeback?

2009-09-13T20:50:00.000-05:00

As reported in Mortgage Brokers News and following dismal reports of Canada's commercial real estate market seeing a 50 per cent decline in transactions in the first half of 2009, there are signs that it may be coming back to life.

According to commercial mortgage specialists, this is a good time for purchasers with strong backing. They are seeing an increase in volume year over year. Lenders are still being "very cautious and conservative", with many of them going below appraised values for commercial buildings, the situation has improved from earlier this year. For buyers in strong positions, there are deals on industrial buildings and it appears that there is a "cautious" market coming back for hotels and plazas.

A recent story in Dow Jones also pointed to Canada's commercial market recovering. Pierre Boiron, a real estate agent, developer and co-author of "Commercial Real Estate Investing in Canada" told the news service that slowing demand, inventory peaks and price declines are pointing to the bottom of an "adjustment phase" in the commercial market that will lead into an acquisition phase. "It means that the mess is being cleaned up," Boiron told Dow Jones, also noting that the turnaround will be gradual and dependent on employment numbers.

Warmly,
Mary Wozny

How Does Divorce Impact Your Credit?

2009-09-12T10:47:00.000-05:00

I want to visit a topic that I'm frequently questioned on by clients. With the record high divorce rates in Canada and the United States, one should ask themselves how will a divorce impact my credit report?

A divorce decree alone will have no impact on jointly held accounts that are a part of your credit report. For joint accounts, including credit cards, car loans, home mortgages and lines of credit, you and your ex-spouse continue to have joint liability. You are both responsible, and if one of you defaults, creditors will seek payment from the other.

Just because your divorce may be finalized and you think that "finally it's all over!" the reality is that if you were a co-signer on anything with your previous spouse then you are still liable for these debts. Failure on the part of either party to make payments on time and/or pay off these debts will result in your own personal credit being potentially ruined! Often this happens and you are not even aware of it!

In going through the divorce process, ensure that any joint liabilities are reconciled and resolved, that debts have been satisfied and you have been completely removed from any further potential liability and costs from your former spouse. Think very carefully about old credit cards that may have been put in both parties names many years ago and forgotten about that could crawl out of the woodwork at some future point and harm your credit.

Check your own personal credit and FICO/Beacon Score to avoid these surprises before it's too late. It's up to you to take responsibility and proactive action to protect your personal credit. You are the only one who can.

Warmly,
Mary Wozny

Guard Your Personal Credit Bureaus Like Gold!

2009-09-11T20:15:00.001-05:00

I'm appalled! I'm so perturbed by something that I just saw that I have to write about it and warn and caution you all about this.

Your credit score is a critical piece to any financing that you are attempting to get, mortgage or otherwise. Do NOT let everyone you speak with when looking for financing pull your credit. I'll say it once again..... do NOT let multiple people pull your credit bureau!

I have someone who came to me today .... 13 months ago their credit scores were 737 and 638 and today they are 619 and 560 respectively due to sheer ignorance. Pure and simple ignornance and lack of knowledge about the repercussions of having so many people pulling their credit. They literally shot themselves in the proverbial foot and destroyed their credit at the same time.

Amazingly enough the client doesn't even recognize many of the people who have pulled their credit bureaus. I was told, "well, my husband was online looking at cars on all these sites and just entered his Social Insurance Number"....... never realizing that by doing so he was allowing them to pull his credit while he was online shopping for cars and getting prices.

And don't get me started on the 'rate shoppers' affect of going to 10 different mortgage brokers to find mortgage financing and each one pulling their credit and effectively lowering their credit scores each and every time!!! Consumers need to be educated on how this will lower their credit scores thereby lowering their ability to get the most advantageous and cost effective mortgage financing in the market. Sometimes even making it impossible to get any kind of financing or refinancing when they need it. I won't even go into the morality and ethics of going to 10 different brokers and wasting the brokers time, efforts, and money on that particular game. And yes, it actually costs a broker money to pull those credit bureaus, a cost ads up pretty quickly.

Guard your personal credit file like gold! The immediate and direct result of too many credit bureaus being pulled is a quick reduction in your credit score which will reflect in higher interest and borrowing costs to you.

And if you are serious about getting a mortgage to buy that dream home or refinancing your existing mortgage and paying off some debt, give me a call or apply online at www.MaryWozny.com!

Warmly,
Mary Wozny

Are Homes the Cause of Some Bankruptcies?

2009-08-17T15:53:00.000-05:00

According to an article in the Toronto Star, homes are becoming more of a problem for consumers with escalalting debt.

In the past it was unusual for the family home or real estate to be the cause of bankruptcy in the last 10 to 15 years. It actually was a solution for many people. However, with the drop in the value of homes, their equity has disappeared and they come up with a deficit that the bank still wants repaid.

A bankruptcy trustee with Deloitte & Touche attributes the recent spike in consumer insolvencies to a seven-year high unemployment rate and people relying too much on credit as an income supplement. People worried about losing their job should be cutting expenses and aggressivley repaying debt. Always sound financial advice!

Warmly,
Mary Wozny

U. S. Mortgages Default Rate

2009-08-14T19:55:00.001-05:00

It's interesting to note that the default rate for U. S. mortgages that have been modified to prevent house foreclosures may actually end up at 75% according to Fitch Ratings, because of "shrinking disposable income, escalating job losses and possibly some deceptive practices on the part of the borrowers themselves".

Since the U. S. government announced assistance programs to help struggling homeowners and lower the rate of foreclosures, lenders have been trying to modify mortgage terms for borrowers to give them a better chance to get back on track. They reported that aproximately seven per cent of U. S. home loans packaged into securities without government support have been modified to date.

In a statement to Bloomberg, a Fitch representative stated that loan modifications hold clear value for many homeowners proved the modified payments are sustainable. Unfortunately, more often than not, reducing the home payments to an affordable level may not be enough to rescue borrowers who are overextened on other credit and expenses.

How will all this shake out? We'll have to watch and wait, only time will tell.

Warmly,
Mary Wozny

Are You Feeling Stressed?

2009-08-12T21:06:00.000-05:00

Stress!

I wonder if you can relate to that one word! What pictures does it bring to mind for you?
One of the most common complaints people have is that they have and they are under so much stress. I’m sure you hear this every day, I know I do! Of course they all believe that is a negative thing. This is not always the case.

Stress can actually be good for you. Some stress is normal and useful and in times of crisis or emergency it helps you act quickly or meet a deadline you may have.

However, if stress happens too often or last too long, it can be very dangerous to your health. Stress is linked to headaches, stomach upset, difficulties sleeping, back pain, moodiness, tenseness and depression.

Stress weakens your immune system making it harder for you to fight off disease and making existing health conditions worse. Over time, stress works unseen within us and harms our bodies, causing degenerative diseases, ulcers, heart disease, cancers, diabetes, metabolic syndrome and a host of other illnesses. The effect of being overweight compounds the effects of stress further harming your health. Poor nutrition and poor nutritional supplementation exacerbates this.

Stress is a matter of perception. What one person believes to be stressful may be seen as perfectly normal for someone else. How you view a situation determines how much stress it causes you, meaning only you can evaluate the amount of stress in your life and learn better ways to cope with it.

Everyone has a choice in how they react and perceive situations. It’s up to you to make the decision to make the necessary changes in your life. It really is easy enough to do, the toughest part is making the decision to actually make some changes.

You can make positive changes and decrease your stress by scheduling and prioritizing, by getting plenty of rest, eating well, drinking responsibly and not smoking, exercising, joining a yoga group or taking up meditation, learning to say no and implementing some boundaries in your life. Nourishing your cells at the cellular level is an optimal way of maintaining your health and well-being, giving you more energy and vitality and over time, healing your body from within. View my website www.VibrantHealthandProsperity.usana.com if you wish to learn more about the number one rated nutritional supplementation program in North America.

Remember to alleviate stress, pamper yourself, relax your body using breathing techniques, exercise or dance, listen to soothing music, live in the present, the ‘now’, and laugh. Above all, life is to be lived and enjoyed to its fullest!

By Mary Wozny

First Time Homebuyers in the Market

2009-08-11T10:45:00.001-05:00

According to a report published by Royal LePage Real Estate Services, low interest rates and house prices are the driving forces for potential first-time homebuyers across Canada.

Although first-time homebuyers appreciate government incentives such as tax credits, it is the markedly improved affordability that is proving to be the powerful drawing card bringing them to the market and encouraging them to purchase. The survey demonstrates how important affordability factors such as interest rates and house prices are in stimulating demand.

When asked what the top incentive to purchase was for them, 86 per cent cited low interest rates followed by 81 per cent who said lower housing prices were the top motivating factor. Job security and a stable economy were the next ranked incentives.

Interesting to note - the survey also revealed regional differences when it came to the importance of certain incentives. Job security was more important in Western Canada compared to Atlantic Canada, which has seen a relatively resilient local economy. Ontario and Quebec buyers rated the recently implemented Home Renovation Tax Credit as having a bigger impact on their buying decision compared to the Canadian average.

Contact Mary Wozny, www.MaryWozny.com today for your mortgage financing and make your dream of home ownership come true!

CMHC Says Mortgage Rates to Remain Stable

2009-08-10T08:16:00.000-05:00

CMHC in their second quarter Housing Market Outlook says that Mortgage Rates are expected to remain with 25 to 75 basis points of their current level for the remainder of 2009, keeping them very low in a historical context.

Movements in mortgage rates are difficult to predict due to volatile economic conditions however rates are expected to remain steady this year and edge higher in 2010.

Along with mortgage rates, CMHC listed employment, net migration and low birth rate as having key effects on residential construction, and forecast housing starts to decline to 141,900 in 2009 (most notably in Alberta and Saskatchewan) before rebouding to 150,300 in 2010.

2009's decline in housing starts can be attributed to several factors, including the current economic climate, increased competition from the existing home market and the impact of strong house price growth between 2002 and 2007, states their chief economist.

Housing market activity will begin to strengthen in 2010 as the Canadian economy recovers, bringing housing starts more in line with demographic fundamentals over the forecast period.

Warmly,

Growing Numbers Boost B.C. Real Estate Market

2009-08-09T12:01:00.001-05:00

British Columbia saw its first year-over-year increase in residential sales in May 2009, with the B.C. MLS reporting a three per cent rise compared to May 2008.

The chief economist at the British Columbia Real Estate Association states that homes sales have bounced back from the extraorinarily low levels recorded during the winter months. Improved affordability and less uncertainty about the future are the main factors driving home sales higher.

Stronger consumer demand combined with fewer home listings is stabilizing prices in the province. MLS predicts residential prices in B. C. to decline eight per cent in 2009 to $420,600.

The majority of the decline in home prices has already occurred and balanced markets are emerging in Victoria, Vancouver and the Fraser Valley. There's now little downward pressure on home prices in these particular areas.

Warmly,
Mary Wozny

Ottawa Housing Market Hot!

2009-08-08T19:20:00.001-05:00

Ottawa saw its best May on record for housing sales, with the capital city’s Real Estate Board reporting a 19 per cent increase in sales from the previous month and a 5.3 per cent increase in house prices over May 2008.

Homes in every price range are sell well, right from starter homes to luxury properties, according to the president of the Ottawa Real Estate Board. Homebuyers and sellers are showing a lot of confidence in the Ottawa real estate market.

They reported that 1,969 residential properties were sold in May at an average price of $312,045, a slight rise in mortgage financing has been noted for the same time period. Ottawa hasn’t seen as much of a slowdown as the rest of the country because it is more isolated than the rest of the country and there is more guaranteed income due to the large number of government jobs the capital city has to offer.

Warmly,
Mary Wozny

Have Housing Starts in Canada Hit Bottom?

2009-08-07T20:13:00.001-05:00

Canada Mortgage and Housing Corporation (CMHC) reported recently that national housing starts increased by 9.2% in May compared to April. This leads some economists to think that a bottom might be forming in the country's homebuilding activity.

March saw a jump in overall nationals housing starts, that jump was largely due to condo development in Ontario, the Prairies, the Atlantic provinces and Quebec. The only region to see a decrease was B. C. where the market is still moderating. It is believed that housing starts will bottom out slightly below 120,000 before stabilizing throughout next year.

This is a good indication that homebuilding activity will cease being a drag on economic growth and employment heading into next year, however this being the case, housing starts are not expected to head back to previous levels of 150,000 before 2011.

Warmly,
Mary Wozny

Funding for Commerial Mortgages in Canada

2009-08-06T08:42:00.000-05:00

The commercial mortgage market has been on a roller coaster ride the past two years with loans based on retail space drying up. The A lenders have increased the credit quality scale and many borrowers are faced with high fees resulting from having to place their mortgages with private lenders in an effort to stop foreclosure.

A lot of the changes to the commercial mortgage arena results from the collapse of the Commercial Mortgage Backed Securities (CMBS). The collapse of the CMBS had large institutional lenders like insurance companies and pension funds leave the market completely.
Lenders are paying stricter attention to the quality of the property, looking at whether the operator is a good one, what the neighborhood is like, and are insisting on appraisals. All this means the lenders aren’t loaning as much LTV and the vendor has to put in his own funds for the balance. Lenders won’t go over 65% LTV with some not going above 50% LTV.

Retail properties are some of the worst hit for financing with fears that if the conglomerates were to shut down some of their big box stores, there would be far too much vacant space available and makes the risk factor much higher for the lender.

An easier option for financing right now is CMHC approved rental apartments in large urban areas. Not only are they the safest, from a lender’s point of view, but with rates the way they are (around four per cent on five-year deals), never has there been a better time to look at insured loans.

Other niches, such as seniors’ care facilitations, rentals, medical buildings and local strip malls with decent tenants (i.e.: not the giant big box stores), are also areas still performing, even if there is limited money to loan on them.

There is sentiment in the marketplace that things are looking better already and investors belive that the market may have finally bottomed out and are deciding to get back into the market.

The market is picking up, interest is good, liquidity is getting better and confidence is coming back.There will be fewer buyers/investors for major commercial deals but those who get the financing will benefit from the historically low interest rates we currently have.

Warmly,
Mary Wozny

Is the Housing Sector in Recovery Mode?

2009-08-05T05:08:00.001-05:00

Pent-up demand for residential housing has bolstered sales in Canada's major markets-a sign that the housing sector has shifted into recovery mode, according to a recent report by Re/Max.

Canada's largest markets, Toronto and Vancouver, led the way, with June sales among the highest in history for both local real estate boards. Close to 11,000 properties changed hands in Toronto, up 27 per cent over one year ago, setting a new record for sales in the month of June. Residential sales in Greater Vancouver increased 75.6 per cent over one year ago, to 4,259 units, just short of the record-breaking 4,333 sales in June 2005.

"The strength of the market, amid the most significant global recession in recent history once again underscores its relevance to the nation's economic engine," says Michael Polzler, executive vice-president, Re/Max Ontario-Atlantic Canada. "Those who chose to sit it out on the sidelines are now facing a market in transition, characterized by the threat of rising interest rates, low inventory levels, and upward pressure on housing values."

The recent surge in resale activity can be attributed to three key factors-pent-up demand, low interest rates, and greater affordability. The combination-in conjunction with declining inventory levels-has created heated market conditions in certain neighbourhoods, prompting a resurgence of multiple offers in June. Average prices are holding steady or climbing, days on market are down, and inventory levels continue to tighten, especially at entry-level price points.

Warmly,
Mary Wozny

Funding for Commercial Mortgages In Canada

2009-08-03T21:57:00.001-05:00

The commercial mortgage market has been on a roller coaster ride the past two years with loans based on retail space drying up.

The A lenders have increased the credit quality scale and many borrowers are faced with high fees resulting from having to place their mortgages with private lenders in an effort to stop foreclosure. In many senses this inside information was totally accurate, but not in a completely negative way. There is, after all, that sigh of relief once the band-Aid is finally off, and in this case it is that rates have never been better.

A lot of the changes to the commercial mortgage arena results from the collapse of the Commercial Mortgage Backed Securities (CMBS). The collapse of the CMBS had large institutional lenders like insurance companies and pension funds leave the market completely.

Lenders are paying stricter attention to the quality of the property, looking at whether the operator is a good one, what the neighborhood is like, and are insisting on appraisals. All this means the lenders aren't loaning as much LTV and the vendor has to put in his own funds for the balance. Lenders won't go over 65% LTV with some not going above 50% LTV.

Retail properties are some of the worst hit for financing with fears that if the conglomerates were to shut down some of their big box stores, there would be far too much vacant space available and makes the risk factor much higher for the lender.

An easier option for financing right now is CMHC approved rental apartments in large urban areas. Not only are they the safest, from a lender's point of view, but with rates the way they are (around four per cent on five-year deals), never has there been a better time to look at insured loans.

Other niches, such as seniors' care facilitations, rentals, medical buildings and local strip malls with decent tenants (i.e.: not the giant big box stores), are also areas still performing, even if there is limited money to loan on them.

There is sentiment in the marketplace that things are looking better already and investors belive that the market may have finally bottomed out and are deciding to get back into the market.

The market is picking up, interest is good, liquidity is getting better and confidence is coming back.There will be fewer buyers/investors for major commercial deals but those who get the financing will benefit from the historically low interest rates we currently have.

Warmly,

Mary Wozny

Renewing Your Mortgage

2009-08-02T22:03:00.002-05:00

I want to explain the reality of mortgage renewals for you and save you thousands of dollars in interest over the course of your mortgage.

A renewal happens when the term of your current mortgage becomes due and your current lender sends you an offer to renew the mortgage with them. This is the standard practice used by banks today.

Often these lenders will issue renewals and quote rates on various types of mortgages, for example 1 year fixed, 3 year fixed and 5 year fixed. Do they give you, their valued customer their best rate when they send you these renewals? NO they don't! The banks hope that the consumer will simply think that they have to sign this renewal and send it back to them.

I urge you all, talk to me first! As a mortgage agent with access to over 30 lenders, I can almost always get you a better rate on your renewal. Allow me to show you if you are getting a good deal or not from your old lender. Normally not! Your bank has only one lender, themselves. As a mortgage agent, I work for you, the client, not the bank. I have almost 30 different lenders to choose from to meet your unique needs.

Contact me when you are renewing or refinancing your mortgage, http://www.marywozny.com/ or email mwozny@mortgagealliance.com.

Warmly,
Mary Wozny

Buying a Home - Are You Ready Financially?

2009-08-02T21:47:00.002-05:00

For most Canadians, purchasing your home is likely the most important investment you will ever make. How do you know if you are financially ready for the responsibilities that home ownership comes with?

Canada Mortgage and Housing Corporation (CMHC) offers these tips to assess your current financial situation, to calculalte your monthly expenses and to determine how much home and mortgage you can afford.

Calculate your net worth - the total of all your assets (include investments, savings, properties, vehicles etc.) minus your liabilities, (mortgages, car loans, personal or student loans, credit cards or other debts). Your net worth is the difference between your assets and your liabilities and will give you a visual of your current financial situation and an idea of how large a down payment you can afford.

Calculate your current monthly expenses to determine what kind of mortgage payment can comfortably fit into your budget. These include current housing expenses such as rent, utilities, parking and other fees as well as cable/TV/internet, debt payments, insurance, gas and repairs for the cars, clothing, medical and dental costs, child care expenses and groceries.

When you have a clear picture of your financial situation, determine how much you can afford in monthly housing costs. These costs should not exceed 32% of your gross household income. Overall, the total of all your monthly debt load shouldn't be more than 40% of your gross household income.

After determining your financial picture and if you are ready, then contact me http://www.marywozny.com/ for your mortgage financing.

For many people, the hardest part of buying a home - especially a first home - is saving enough money for the down payment. With CMHC mortgage loan insurance, you can purchase a home for as little as 5% down payment on approved credit. With some lenders that 5% can even be a gift from a relative.

To find out more contact me, http://www.marywozny.com/, email mwozny@mortgagealliance.com.

Warmly,

Mary Wozny

Just Finished New Website!

2009-08-01T19:02:00.003-05:00

Phew! Long day! I'm so excited! I just finished my new website and have it uploaded and operational! Check it out at www.VibrantHealthandProsperity.com. Let me know what you think of it!

Warmly,
Mary Wozny

Wells Fargo Financial Corportion Canada Discontinues Residential Real Estate Lending!

2009-08-01T12:12:00.003-05:00

Hot off the press! Disturbing news for consumers!

Effective July 30th, 2009, Wells Fargo Financial Corporation Canada will no longer be accepting residential mortgage loan applications through its consumer branch and indirect broker network channels.

Notice was given Thursday and brokers were advised of immediate cancellation of any Mortgage Broker Origination Agreement or other real estate lending agreements they may have had with Wells Fargo Financial Corporation Canada or Wells Fargo Financial Corporation Canada HomePlan Mortgage.

To the extent Wells Fargo Financial Corporation Canada HomePlan Mortgage has issued a valid fully executed mortgage commitment, provided the applicant or applicants fulfill all of the terms and conditions of the mortgage commitment (including any time specified for closing or expiration of the mortgage commitment), we will honour those commitments.

Warmly,
Mary Wozny

How to Know If Your Web Squeeze Page Sucks! Oops! Did I Say That?

2009-07-30T15:23:00.001-05:00

I have a very important message for you.

Greg Clement just released his 72 page "WSSPR" report which stands for
"Websites Suck Squeeze Pages Rule. "

It goes into great detail on why traditional websites are terrible marketing tools and even worse for lead generation.

He gives you one of the most modern cutting edge,and simple, systems I've ever seen to harness the power of the internet for MASSIVE lead generation.

I guarantee some people reading this exact email will forever change their business with the ideas presented in this report.

It's that good.

Check it out at: http://www.simsprofits.com/?1030315

It's for beginners AND advanced internet marketers and everyone in between.
It's for you...

Well let me take that back, it's for you IF you need more seller, buyer, or private lender leads.
(But I'm pretty sure you wouldn't mind more of those).

Check this thing out real quick and get your copy NOW!

Go to http://www.simsprofits.com/?1030315

Warmly,
Mary Wozny

Where Are the Hottest Real Estate Markets Now?

2009-07-02T02:53:00.000-05:00

If you could easily know, at the push of a button, wherethe absolute best real estate markets in the US are...whatwould that be worth to you? Would it be worth 3 minutesof your time to check it out?

Discover how you can find the hottest real estate markets toinvest in before your competitors even realize that the'Bubble' has holes in it!

Check it out here -> http://www.realestatepress.com?a_aid=83743216

Warmest Regards and Happy Investing,

Mary Wozny

Remember check it out now! http://www.realestatepress.com?a_aid=83743216

It Goes Live Today!

2009-06-30T07:33:00.002-05:00

A quick heads-up for you...It finally goes live at 9am eastern time today
Richard Roop just released his new program called "Quick Start Guide to Making Money: 28 Days to Free & Clear Cash" and it ROCKS!

This is THE break-through investing program that I think you should get.
Richard gives you a step-by-step, paint-by-numbers blueprint to find and fund free and clear "cash cow" deals that allow you to collect $6,000 or more in cash... the day you buy your next deal.

Here's the real kicker... his detailed plan is designed so you can do it in 28 days or less. And he is giving it away for the cost of shipping! Richard is out of his mind. See for yourself...

Go to: http://www.roopcashmachine4.com?rid=216

Whether you're a seasoned investor or a rank beginner - you should grab your copy of "Quick Start Guide to Making Money- DVD package today!

I'm not sure how many copies he ordered for distribution so there's a chance he can run out. I guarantee you can get MASSIVE results no matter what level of investor you are simply implementing the strategies Richard reveals on this DVD.

Go to: http://www.roopcashmachine4.com?rid=216

Imagine how good you'll feel when you collect $6,000 or $15,000 or even $50,000 in immediate, upfront cash... and do it in as little as 28 days!

P.S. The blueprint or action plan could earn you thousands of dollars more on your next deal. This program isn't for couch potatoes, so head over and claim your DVD and companion guide...

Go to: http://www.roopcashmachine4.com?rid=216

Happy Investing!

Mary Wozny

Motivate Yourself and Your Business with NASA Proven Music!

2009-06-29T19:35:00.001-05:00

It's amazing how the power of something as simple as music can instantly empower you to create the vibration of success and open the door for higher levels of consciousness, health and vitality! Sound too good to be true?......It most definitely is not!

As I sit here writing this to you I have Mark's music playing softly in the background, inspiring me and bringing a higher vibration energy to myself. Now you can discover for yourself the power of music and how it can be a catalyst for transformation and breakthrough!

I would like to introduce you to my good friend Mark Romero who is a gifted sound and vibrational healer. His powerfully beautiful music guides one to wholeness, health, and abundance effortlessly.

I can honestly say there is no greater or more beautiful way to heal than by following Marks sweet sounds. A simple way to living a charmed life.

To experience his music and a wonderful offer he put together for you please click this link:
http://www.markromeromusic.com/cmd.php?Clk=3096741

His music heals... A former top-consultant from NASA has proven that Mark's music has frequencies in it that actually put listeners into a higher state of consciousness and helps them to live healthier, stronger and vital lives. His music can instantly assist individuals to move into a higher state of being that allows the frequencies of their dreams to be in vibrational alignment, through the frequencies of his music.

Go now to: http://www.markromeromusic.com/cmd.php?Clk=3096741

Mark truly enjoys leading and coaching others to higher levels of success, and has developed a totally unique and never before experienced process. He incorporates his music as a prescription for vibrational change that is helping people to create more passion, purpose, meaning and fulfillment in their professional and day-to-day lives.

Dedicated to empowering and motivating businesses and individuals, Mark infuses his harmonizing music and new ways of thinking -- opening doors to untapped possibilities and extraordinary results.

Mark is offering this special package only through July 10th. So act now as this is a package you will not want to miss out on.

http://www.markromeromusic.com/cmd.php?Clk=3096741
Harmoniously yours!

Mary Wozny

Buying From the Banks the Right Way .....

2009-03-11T09:14:00.000-05:00

My good friend Jeff Adams released his new ForeclosureProfits System.

Get your copy -- AT NO CHARGE -- here: http://www.foreclosureprofits3.com/?rid=257
Jeff is finally revealing his closely held secrets to buyingproperties for pennies on the dollar DIRECTLY from banks andlenders.

I’ll tell you something - this is the SAFEST way to buy properties because you’re dealing with established institutions.

Forget chasing flaky sellers, there are so many foreclosed bank-owned homes on the market today the banks are trying tounload at record pace.

Bad news for them, good news for you!

Jeff will show you how the RIGHT way to buy these homes from banks at the lowest prices. And no, these aren’t only ugly fixeruppers, but also pretty homes in nice neighborhoods.

We’re in a once in a lifetime opportunity and I highly suggestyou take advantage of it.

Plus, Jeff’s gone off the deep end with this one - he’s givingis Foreclosure Profits System away at no cost.

You’ll discover the very same bank-owned buying strategies he and his student use to build a million dollar foreclosure realestate Empire.

Now’s your chance, I highly suggest you take it. http://www.foreclosureprofits3.com/?rid=257

To Your MASSIVE Success,
Mary

P.S. Get your hands on Jeff’s secrets to making money in today’sonce in a lifetime market before it’s too late.http://www.foreclosureprofits3.com/?rid=257

Update and Clearing the Air

2009-02-24T16:59:00.000-05:00

It's been quite a while since I've written to you for a couple of reasons. We've been hit with some computer spam issues that affected our systems. I apologize if you've received erroneous emails from us!

Secondly, I've been sitting back and thinking about decisions to keep this site going and its' future. This is difficult for me to write and I've thought long and hard about what to do. Quite honestly, I still don't have an answer. I'm all about helping people and love the interaction we've had, but I watch and listen to other 'gurus' and frankly, am appalled at what is being said and promoted to you. And so, I've been quiet as I deal with the many changes and challenges in my life and have been focusing on my volunteer activities, which is near and dear to my heart.

Many of you know that my son Brad chose to walk away from both myself and his sister as a result of the divorce proceedings, severing both our personal and busines relationships. It's been painful to say the least but I've learned that everything happens for a reason and have moved on. I love him and will always be here for him but he is on his own journey and has much healing to do.

However, and this is big, I can't stand by any longer while untruths are being said and used as a way to promote himself and his products. He has good information to give to people and truly doesn't have to lie to accomplish this, but has chosen to do so. He has posted a 5:50 minute video wherein he states that his shame of 19 years comes from watching his parents being foreclosed upon and the 'thud' of the door being closed as we lost our home. Good for sympathy but entirely untrue!

I've emailed both Brad and his girlfriend as well as put comments on his blog which of course were not put up, to have him correct this and speak the truth. He has not and continues to ignore my requests to do so.

I am not ashamed of the truth, they were difficult times and I've never hidden that. The truth is that due to my former husbands business failure we did go through bankruptcy as many others did in the 1990's. I saved our home with the help of my mother, God bless her soul, it was tough, no question.

At the same time my former husband attempted suicide which both my children witnessed along with me, and assisted in saving his life. You can only imagine the devastation, trauma and shame that resulted from this and the impact on my children who were then 10 and 12. These things in life make us who we are today though, it is how we chose to react to lifes situations and challenges that help us grow and evolve.

This is part of why I love to help people because I really do understand what others have gone through, I've experienced most of it and am empathetic to their needs. I want them to believe in themselves and achieve their goals and dreams.

In the midst of such a time I was very grateful that I was able to save our home for us - to have Brad out there now stating that we lost our home is unconsionable and I have to set the record straight. I truly dislike having to do this but he has gone too far this time with these untruths. I've let other misrepresentations go by but enough is enough.

At the end of the day, I honestly am not sure how I will proceed from here. Those of you who know me will realize that I speak from my heart and from my truth. Time and intuition will guide me in these decisions.

Thank you for being a loyal supporter of MillionaireRiches.com. I know that many are facing challenges that sometimes seem unsurmountable. I will say to you to accept and don't resist these challenges, "it is what it is" as I like to say. Remove the emotion and resistance from your challenges and accept the way things are and move on.

It is easier to go with the flow of the river than try to swim against the tide. Life gets a lot easier for you once you can recognize and live this.

Thanks for listening, my blessings to you all.

Mary Wozny

May The Sun Shine Down on You on Remembrance Day

2008-11-11T16:46:00.000-05:00

This is a day of deep reflection, honour and respect for all of us across this beautiful land of ours.

It's a day to give thanks for the soldiers who fought for us and our rights long before we were born.

It's a day to send our love and blessings to all those who so proudly serve our countries, both Canada and the United States, standing up for our freedom and our beliefs.

It's a day to send thanks and support not only to our soldiers but to their families and loved ones who proudly wait at home for them to return from their tour of duty.

It's a day to show them how much we care, how much we honour and respect their sons and daughters, fathers, mothers, aunts and uncles who serve their country so that we can live in freedom, our children can live in freedom and our children of the future can live in freedom.

The following came across my desk today and I ask that you read it, think about it, reflect on it and honour the men and women who serve to keep us safe. It came to me with "Taps" playing and I will tell you that it brought me to tears. And so I share it with you.

THE FINAL INSPECTION

The soldier stood and faced God,
Which must always come to pass.
He hoped his shoes were shining,
Just as brightly as his brass.

"Step forward now, you soldier,
How shall I deal with you?
Have you always turned the other cheek?
To My Church have you been true?"

The soldier squared his shoulders and said,
"No, Lord, I guess I ain't.
Because those of us who carry guns,
Can't always be a saint.

I've had to work most Sundays,
And at times my talk was tough.
And sometimes I've been violent,
Because the world is awfully rough.

But, I never took a penny,
That wasn't mine to keep...
Though I worked a lot of overtime,
When the bills got just too steep.

And I never passed a cry for help,
Though at times I shook with fear.
And sometimes, God, forgive me,
I've wept unmanly tears.

I know I don't deserve a place,
Among the people here.
They never wanted me around,
Except to calm their fears.

If you've a place for me here, Lord,
It needn't be so grand.
I never expected or had too much,
But if you don't, I'll understand.

There was a silence all around the throne,
Where the saints had often trod.
As the soldier waited quietly,
For the judgment of his God.

"Step forward now, you soldier,
You've borne your burdens well.
Walk peacefully on Heaven's streets;
You've done your time in Hell."

~Author Unknown~

It's the Soldier, not the reporter WHO has given us the freedom of the press.
It's the Soldier, not the poet, WHO has given us the freedom of speech.
It's the Soldier WHO ensures our right to Life, Liberty, and the Pursuit of Happiness,
Not the politicians.
It's the Soldier who salutes the flag, WHO serves beneath the flag, AND whose coffin is draped by the flag.

If you care to offer the smallest token of recognition and appreciation for the Military,
PLEASE pray for our men and women
WHO have served and are currently serving our country
AND pray for those who have given the ultimate sacrifice for freedom.

God bless our soldiers, sailors and airmen, past and present.

With my love, honour, respect and gratitude,

Mary Wozny

Where Should You Be Investing Now?

2008-11-09T12:54:00.000-05:00

What a question! In these troubled times, opportunity still exists to make lots of money in real estate.

If you could easily know, at the push of a button, wherethe absolute best real estate markets in the US are...whatwould that be worth to you? Would it be worth 3 minutesof your time to check it out?

Discover how you can find the hottest real estate markets toinvest in before your competitors even realize that the'Bubble' has holes in it!

Check it out here:
http://www.realestatepress.com?a_aid=83743216

Again, find out how you can find the best real estate markets in the US right now, click on the link below to learn how!

http://www.realestatepress.com?a_aid=83743216

Happy Investing!

Mary Wozny

Take Control of Your Future Health and Wealth Now!

2008-10-16T14:34:00.000-05:00

"Everybody stumbles across a golden opportunity at least once in a lifetime. Unfortunately most people just pick themselves up, dust themselves down, and walk away from it."

by Winston Churchill

Following upon the words of Winston Churchill, YOUR 'Golden Opportunity' happens Thursday evening, October 16th at 9:15 pm EST! Mark this date on your calendar now.

The past months have been tough for real estate investors and stock market investors alike. Critical mass was reached and we've seen stock markets around the world crash in the past few weeks.

We've watched as our stock portfolios and retirement accounts lost much of their value. We look and wonder, with all this turmoil and all the losses, when and how will I ever be able to afford to retire? How will I provide for my family? Foreclosures are at an all time high, the economy is verging on recession, GM and Chrysler are talking about merging and jobs are being lost across North America.

Take charge of your future NOW!

I invite you to join me on Thursday evening, October 16th at 9:15 pm EST where I will be interviewing my business partners Heshie and Werner who will show you how you can create an enormously successful business and generate a continuous residual stream of weekly income for yourself and your family and become part of our energetic and dynamic team of entrepreneurs.

Heshie is ranked #12 globally as one of this companies' fastest growing business builders. Werner is the oldest North American to climb Mount Everest as well as the oldest North American to climb the highest peaks on all seven continents! Werner is starring in the upcoming major motion picture 'Back From the Edge".

Starting his climbing experiences at the age of 55, find out what gives Werner not only the health and stamina to make these incredible climbs, but how he creates the wealth that gives him the time freedom and the financial freedom to persue his dreams.

Rarely do I get this excited about an opportunity, but I have to tell you that not only is this one of the best businesses to be in - it just got even better! The company has introduced a bonus program that surpasses anything in the industry!

There is no other way to describe it except by telling you that if you are serious about building a business for yourself and generating a continuous residual income, working with one of the best teams in the industry, then THIS is YOUR GOLDEN OPPORTUNITY.

Join us on the call on Thursday, October 16th, 2008 at 9:15 pm EST, 8:15 pm. CT, 7:15 pm MT and 6:15 pm PT. Print this information and put it by your telephone today:

Call Date: Thursday, October 16th, 2008
Call Time: 9:15 pm Eastern, 8:15 pm Central, 7:15 pm Mountain and 6:15 pm Pacific
Call Dial In: 218-339-4600
Access Code: 200979

The telephone lines are limited so be sure to call in a few minutes ahead of time. The call will be recorded and a replay line will be available.

See you on the call tonight and get ready to rock and roll your way to success by joining me and becoming a part of our vibrant and dynamic team!

Warmly,

Mary Wozny

Global Easing In Monetary Policy

2008-10-08T12:34:00.001-05:00

In a surprise decision, central banks in the industrialized world announced a coordinated half percentage point easing in monetary policy this morning. The message from all of the central banks was loud and clear: the prospects of significantly slower global growth mean that global infaltions risks are dead.

The coordination and the rate change between regular meetings also infer the urgency of action and the need to restore confidence to the global financial system in the wake of unprecendented turmoil.

The common theme in the wording of the central banks statements was that "inflation expectations are diminishing ... the financial crisis has augmented the downside risks to growth and thus has diminished further upside risk to price stability." The Fed notes that 'economic activity has slowed markedly...the intensification of the financial market turmoil is likely to exert additional restraint on spending partly by reducing the abililty to obtain credit.

It's apparent that an easing in monetary policy was needed on a global basis. Expectation is that further rate cuts of a further 50 basis points are in the pipeline and will be announced at the Fed and the Bank of Canada upcoming rate announcements on October 29 and 21 respectively.

Warmly,

Mary Wozny

Opportunities In An "Economic Pearl Harbor"

2008-10-02T18:30:00.001-05:00

In Omaha, Neb. today, billionaire investor Warren Buffett said the nation has been hit with an “economic Pearl Harbor,” and the government must respond quickly.

Mr. Buffett talked about the nation's ongoing financial woes in an appearance on the The Charlie Rose Show that aired Wednesday night on PBS stations.

“This really is an economic Pearl Harbor,” Mr. Buffett said. “That sounds melodramatic, but I've never used that phrase before. And this really is one.”

He went on to state that in his opinion the nation's economic problems are already starting to be felt by furniture and jewellery stores such as the ones owned by his company, Berkshire Hathaway Inc.

The billionaire predicts that the rest of the Main Street economy will start to have problems if the government's financial bailout plan doesn't pass Congress soon.

“In my adult lifetime, I don't think I've ever seen people as fearful economically as they are now,” the 78-year-old Mr. Buffett said.

The fear in the marketplace has allowed Mr. Buffett to make several sizable investments over the past month in proven companies that needed cash quickly. And Berkshire, which had $31.2-billion (U.S.) cash on hand at the end of June, was ready to invest because, as Mr. Buffett says, he always tries to be greedy when others are fearful.

Following Berkshire's purchase last week of $5-billion in preferred Goldman Sachs shares, Berkshire announced it would be purchasing $3-billion of preferred share of General Electric Co.
Mr. Buffett said he was approached about the GE investment Wednesday morning by someone at Goldman. And Mr. Buffett quickly decided to invest in GE because he's familiar with the company and confident in its long-term prospects.

This goes to show us that capitalism is alive and well in the US. Prudent investors looking for long term real estate investments can capitalize on todays markets and build their portfolios for the future. As crazy as it may sound to some, now is the time to be purchasing discounted real estate using long term strategies for buy and hold.

Warmly,

Mary Wozny

Canadian Housing Market - Boom or Bust?

2008-10-01T13:51:00.000-05:00

In a talk with the Ontario Economic Council, U.S. economist Robert Shiller states Canada's housing market has been following a similar boom-and-bust path as that seen in the United States, but fundamental differences between the two leave Canada less exposed to the U.S.-style fallout.

“There have been booms in some Canadian cities – Edmonton, Calgary, Vancouver – but maybe [prices] are weakening or actually falling, at least in those boom cities,” he said, noting that the pattern somewhat resembles that seen in many U.S. and foreign markets over the past few years.

He does suggest that the relatively small use of subprime mortgages in Canada should mean the damage in this country will be much less severe.

“There's a difference. We [in the United States] have had a subprime revolution that I don't think took place, to the same extent at least, in Canada.”

Mr. Shiller said a bailout of the seized-up banking sector is an essential first step to cleaning up the mess left by the U.S. housing bubble, but it needs to be followed by financial innovations to support troubled home owners.

“Once we fix the leaky roof, we need to take a look at the foundations,” Mr. Shiller told the summit.

The professor – author of the book Irrational Exuberance and recognized expert on asset bubbles and the housing market – said U.S. legislators must act on the liquidity crunch that is gripping the banks in order to avoid a much longer-lasting economic stagnation. He believes Congress must reverse its decision to reject the proposed $700-billion (U.S.) troubled asset relief program (TARP), despite public anger over what many view as a handout to rich and reckless investors.

“The TARP program is really essential to enact,” he said. “The general public doesn't appreciate the severity of the crisis, and the threat it poses to their jobs and livelihood.”

He further noted that the research conducted on the Great Depression by none other than Ben Bernanke – now the head of the Federal Reserve Board and one of TARP's key architects – has found that a tied-up, illiquid banking system was a major contributor to the extraordinary depth and length of the Depression.

“When you don't have a banking system, you can't do business,” he said.
“We can't think that we want to teach people a lesson,” he said, suggesting that the blame for the housing bubble extends beyond bankers, lawmakers and regulators.

“It was erroneous thinking,” he said, blaming the bubble on a mass cultural shift in its mentality toward investing and housing.

“We've become more an investor culture – make a quick buck,” he said. “People got themselves convinced that home prices could only go up.”

Mr. Shiller's new book, Subprime Solution, came out Sept. 1 – just before a month of ground-shaking upheavals on Wall Street. The book's longer-term prescription for the U.S. housing market would involve help for distressed homeowners as well as major changes to the way the residential mortgage market functions.

“Financial innovation only comes in times of crisis,” he said. “We need to think of our financial institutions in a constructive and innovative way.”

His ideas include a permanent and ongoing system for automatically adjusting mortgage payment terms in times of economic shocks; government-subsidized independent financial advisory services; and new risk-management products that would allow homeowners to manage their long-term risk exposure to home prices, employment income and economic growth.
“In my book, I emphasize bailing out homeowners because they are the ones being hurt most,” he said. “But first, we have to deal with the banking system.”

Meanwhile, former Bank of Canada governor David Dodge joined the chorus of experts who believe U.S. legislators must solve their impasse over a rescue package for the troubled banking sector.

“The U.S. banking system needs to be recapitalized. Ben [Bernanke] understands that as well as anyone,” he said. “How that is going to be done is another question.” Mr. Dodge made the statement during a break at the summit, a three-day Ontario Chamber of Commerce event that he is co-chairing. He declined further comment.

Warmly,
Mary Wozny

Credit Crunch Fallout Raises Mortgage Rates

2008-09-26T22:15:00.000-05:00

As reported in today's Toronto Star, Canadians received more proof yesterday of the global credit crunch hitting home after this country's biggest banks began hiking their residential mortgage rates in an effort to recoup higher funding costs from their customers.

The interest rate increases follow days of forewarning by financial experts, who predicted Canadians would feel the pinch of the financial crisis through higher borrowing costs on consumer loans.

TD Canada Trust was the first of the big domestic lenders to increase mortgage rates both on its' fixed rate mortgage product and its' variable interest rate mortgage. TD Canada Trust claims that the increase now is reflective because the bank has been holding on, that all of the industry in fact has been holding on, trying not to pass the increased costs to the customers, but says that it can't do this anymore.

Banks are grappling with higher funding costs in the wake of last year's subprime mortgage market meltdown in the United States. With the ensuing global credit crunch now in its second year, banks remain wary of lending to each other. The bank says that all mortgages, variable rates mortgages in particular, have become money losers because of the cost of funds due to all the challenges that are going on in the world right now.

Another factor affecting rates is the bond market which has been in a flux ever since the United States announced a $700 billion US bailout plan for American banks. The interest rates on mortgages and other short-term borrowing are set based on the price of bonds. With lower demand for bonds, and fears of inflation, rates have to rise to lure investors.

Warmly,

Mary Wozny

US Mortgage Market Bailout!

2008-09-09T08:57:00.000-05:00

U.S. Treasury Secretary Henry Paulson is counting on the weekend seizure of mortgage lending giants Fannie Mae and Freddie Mac to help lower stubbornly high mortgage rates and lure more buyers back into real estate.

But the plan on its own is unlikely to spell the end of the deepest housing slump since the Depression. That's because the rescue is aimed largely at the supply side of the equation, by unfreezing the mortgage bond market that banks tap to make new home loans.

The plan could lower mortgage rates - now at roughly 6.4 per cent for a 30-year mortgage - by as much as a half to a full percentage point, analysts said. Unfortunately the demand side of the equation remains largely untouched.

Americans' appetite for buying homes is likely to remain weak as the U.S. economy slides nearer to recession, weighed down by the deteriorating job market and waning consumer spending.
Mortgage applications in the US have fallen steadily this year and now stand at a seven-year low.

The Feds move to rescue Fannie Mae and Freddie Mac, which together own or guarantee half of all U.S. mortgages, does nothing to address weakening employment or that banks are increasingly tightening underwriting standards. Many lenders, for example, are demanding higher credit scores and larger down payments. And that isn't likely to change with Fannie Mae and Freddie Mac in government hands.

Clearly, the housing market is in a deep rut. Home values have already tumbled 18 per cent across the U.S. Even then, homes are less affordable now than they were before the price bubble emerged in 2004. There is an expectation by analysts that prices will fall another 10 per cent, a lever that would make homes affordable again to most Americans.

There is still months worth of unsold homes on the market. And foreclosures, stuck at an all-time high, continue to glut the market.

In recent months, Wall Street has virtually abandoned the mortgage bond market, leaving troubled Fannie Mae and Freddie Mac as the only players. So while the two lenders controlled roughly half the market, they had become responsible for nearly three-quarters of all new credit.

But that wasn't enough to counter the incredible pressure in financial markets. Worried that Fannie Mae and Freddie Mac would collapse, investors have demanded an unusually large premium for the companies' bonds in recent weeks - nearly 2.5 percentage points higher than government Treasury bills. That's a full percentage-point higher than normal.

The result had a cascading effect through the mortgage market, keeping mortgage rates high in spite of efforts by the U.S. Federal Reserve Board to push them lower.

Also worrying economists is that the takeover is temporary, and the structure of the mortgage finance market in a year or two remains uncertain. Mr. Paulson has made it clear he and the Treasury don't intend to be in the business of being a market maker in mortgage bonds indefinitely.

In the end, the next U.S. president, his treasury secretary and the Congress will have to rethink what the two entities are all about, and what role government will play. The Bush administration is leaving that quandary to the two presidential hopefuls - Democrat Barack Obama and Republican John McCain.

This is a good time for investors to be building their portfolio of buy and hold rental properties.

Warmly,

Mary Wozny

Urgent Plea for Your Help!

2008-08-25T13:42:00.001-05:00

First, my apologies as it's been quite a while since I've written to you. It's always interesting the challenges that life tosses our way. As a result, I am coming to you with a plea and asking for your help.
Many of you know that the past few years have been a time of great challenge and change for me. They've also been years of exceptional personal and spiritual growth as well, and honestly, looking back, I wouldn't change any of it. (well ok, maybe a few!!!) I believe there are always lessons we need to learn from these challenges so that we can move to a higher spiritual level. I certainly have and am thankful for the experience.

I was very blessed to have a partner come into my life a year ago who brought me great joy and peace. We were joined together at a 'soulular' level with an incredibly strong and unbreakable connection and I loved him dearly.

Life had different plans for us though. In April he was diagnosed with cancer and after further testing and much consultation with oncologists, it was determined he should have surgery and then chemo. Arrangements were made and I took him in on July 10th for his surgery.

Well by now you may realize that I've been writing in the past tense here .... it didn't go well. Once opened up the cancer was found everywhere. The doctors did what they could but the prognosis was bad. The worst was yet to come when in the recovery room he 'bled out' and was rushed back into surgery to stop the bleeding and try and keep him alive.

Here's what I want you all to really recognize!

Suddenly he had lost his entire bodys' volume of blood. Bag after bag of blood was given to him. That night he had 14 units of whole blood alone, along with many bags of frozen plasma and platelets. By the end, he had 21 units of blood given to him. I watched it flow into him along with other fluids to try and bring his pressure up and replace what he was losing, to sustain him another minute, another hour, another day.

He fought valiantly and courageously for 3 1/2 weeks until his body gave up and nothing more could be done for him. I held him as he passed and closed his eyes when it was over. I was honoured to have been by his side and to help him through this incredibly difficult time. Who knows, I suspect this is the reason the universe brought us together. No one should be alone at times like this and had we not met, he would have been. I'm so very blessed and grateful to have shared this time with him although it was so short.

Our lives can change in a single instant. My plea to you is this - PLEASE GIVE BLOOD. Give the life saving blood that is in such critical demand all over the world. Your local communities will offer blood donor clinics. You can check these out by visiting the American Red Cross in the United States at http://www.redcross.org/donate/give/ or calling 1-800-GIVE-LIFE (1-800-448-3543). In Canada contact the Canadian Blood Services, http://www.bloodservices.ca/ or by calling 1-888-2-DONATE.

It's always interesting to notice how serendipitous life can be. One and a half weeks after I lost my partner, I attended my weekly Rotary meeting. Amazingly, the speaker that day was from Canadian Blood Services with a plea for my Rotary Clubs' help in giving blood and passing the message along.

How timely! I stood up and shared with my fellow Rotarians how true in fact this plea was as I had just lived this. We never know when or how our lives may be touched by someone requiring this life saving fluid. It's established fact that we all will be touched by cancer in our lives, whether ourselves or someone in our family or close to us. Chemo patients often require blood and blood products to help them through their treatment.

Now, I can't give blood due to my own health challenges, but I realized after listening to this speaker that I could give time and I could ask you for your help. I immediately volunteered my time to assist in blood donation clinics or speaking on their behalf and I am spreading the word by asking you.

So there are no excuses and I ask you again, please give blood or give time for this very worthy cause. Who knows, one day you or a loved one could be the patient lying in a hospital bed receiving this precious gift of life. The life you save could be your own!

I thank you all for your support and for giving blood. And I thank everyone who donated the blood that was so vital in keeping my Brian alive for those few short weeks. I carry your kindness in my heart always.

I will be back in touch soon and ask for your patience as I move through the grieving process.

My best wishes and thanks to you all.

Mary Wozny

Canadian Government Revamps Mortgage Rules!

2008-07-09T15:57:00.002-05:00

Important new rules from Ottawa today regarding mortgage regulations and guidelines!

In an effort to avoid the sort of housing meltdown that has damaged the U. S. economy, the Finance Department today said it was reducing the maximum amortization period for new government-backed mortgages to 35 years from the previously allowed 40 years.

The government states that Canada's housing and mortgage markets are performing better than the United States and the new ruling which will come in effect October 15th, 2008 will assure the continuation of this. They state that the historically prudent and cautious approach taken by the Canadian financial institutions to morgage lending, combined with a sound supervisory regime, has allowed Canada to maintain strong and secure housing and mortgage markets.

New regulations will require a consistent credit score for mortgages the government backs along with a minimum level of loan documentation standards to evidence property values and borrowers' income. The final change will be a capping at 45% on a borrower's debt-service ratio.

These changes will take force on October 15th, 2008 and means that people looking to purchase or refinance their home with a high ratio mortgage need to act quickly!

Contact Mary Wozny, 877-446-9791 or email mwozny@mortgagealliance.com today to secure your financing before these new rules come into effect.

Warmly,
Mary Wozny

Canadian Housing Market is Cooling

2008-06-26T16:42:00.000-05:00

According to Toronto Dominions recent economic report, after a long run of rapidly-rising prices, the Canadian housing market has cooled to the point that it is no longer a sellers' market. “The long-awaited end of the Canadian housing boom has occurred, reflecting more moderate demand and increased supply of properties for sale.”

“The year-over-year price growth for existing homes in Canada's major markets fell to only 1.1 per cent in May, down from 8.6 per cent just four months earlier,” the TD economists wrote.
“The trend has been broadly based, but is has been particularly sharp in some of the markets that had experienced the most dramatic price growth. Calgary and Edmonton home prices in April and May fell to below year-earlier levels.”

The TD economists said they had expected the slowdown to occur before now, but “housing remained stronger for longer than we had anticipated, largely due to increased affordability through new financing options, such as no money down or extended amortization.”

Regional economic strength related to the commodity boom also helped to fuel “unsustainably elevated home price growth in the west,” they wrote.

Last month, the Canadian Real Estate Association reported that resale home listings across Canada rose by 17.7 per cent in April from a year earlier – pushing the number of home listings to the highest level on record.

“Most of Canada's major housing markets have moved out of sellers' territory to more balanced markets.”

However, the Canadian housing market remains fundamentally strong, unlike the U.S. market, where the National Association of Realtors reported Thursday that median home prices continued to fall. The median price of an existing U.S. home sold in May was $208,600 (U.S), down 6.3 per cent from a year earlier – fallout from the subprime mortgage crisis.

In Canada, the TD economists forecast an average existing home price of $313,300 (Canadian) in 2008, up 2 per cent from last year's average.

Canadians, the TD economists said, are “cashing in, not foreclosing.

“... It should be stressed that the rise in listings does not reflect homeowners of principal dwellings desperate to sell, and this is the dominant difference between the Canadian and U.S. experience,” they wrote in their report, Canada's Housing Boom Comes to an End.

“Indeed, the U.S. has been characterized by an abnormal rise in delinquencies and foreclosures or large negative equity positions. In Canada, speculators may be quickly dumping properties on the market to get out while the times are good, but individuals that have a principal dwelling are not under financial duress.

“Canadian consumers are nowhere nearly as leveraged through their home equity as American consumers are.”

Throughout the rest of this year and 2009, most regional housing markets in Canada “will see low to mid single-digit gains, but Saskatchewan and Manitoba will continue to post double-digit gains in the near term, followed by a significant cooling in 2009 – with the risk of a mild price correction in the major cities that have recently experienced extraordinary price growth,” the TD economists said.

“Alberta will have further weakness in the near term, as Calgary and Edmonton will likely see prices continue to fall for another three or four quarters, dropping 8 per cent to 10 per cent from their peak, after which prices should stabilize and start rising at a low single-digit pace.”

Warmly,

Mary Wozny

US Federal Reserve Holds Rates Steady

2008-06-25T21:12:00.000-05:00

The Federal Reserve, navigating treacherous economic waters, decided on Wednesday to leave a key interest rate unchanged, bringing an end to a string of consecutive rate cuts. The decision to leave rates unchanged had been widely expected by financial markets.The central bank announced that it was keeping the federal funds rate, the interest rate that banks charge each other, at 2 per cent, marking the first time in 10 months that the central bank has failed to reduce interest rates at one of its regular meetings.

The Fed is confronted with the twin perils of a possible recession and rising inflation pressures, stemming from this year's surge in oil and food prices.

In a brief statement explaining the decision, Fed Chairman Ben Bernanke and his colleagues cited both the threats to growth and rising inflation pressures as problems confronting the economy at the moment. The statement said that the downside risks to growth “appear to have diminished somewhat” while adding that “the upside risks to inflation and inflation expectations have increased.

Because of the Fed's decision, short-term borrowing costs on millions of consumer and business loans tied to banks' prime lending rate will remain unchanged. The prime rate is currently at 5 per cent, its lowest level since late 2004.

Investors are split about the Fed's actions for the rest of the year. Some analysts believe the Fed could start raising rates, possibly as soon as the next meeting in August because of concerns about inflation. Other economists argue that the weak economy and rising unemployment will keep the Fed on the sidelines until at least after the November elections.

While saying that the upside risks to inflation have increased, the central bank repeated its forecast that it expected “inflation to moderate later this year and next year.”

The opposing forces of weak growth and recession put the central bank in a bind. Its main policy tool — changes in interest rates — can only address one of those problems at a time. The Fed can cut interest rates to spur consumer and business spending and economic growth or it can raise interest rates to slow spending and growth and ease inflation pressures.

The Bush administration is hoping that the government's $168-billion (U.S.) economic stimulus program, which is sending rebate payments to 130 million households, will help dissolve some of the gloom and bolster consumer spending in the months ahead.

Other analysts, however, said they believed Mr.Bernanke wanted to send out a strong anti-inflation warning, especially since it was coupled with a comment in an earlier speech about the Fed chief's concerns that the weak U.S. dollar was adding to U.S. inflation problems. The remarks taken together had the impact of bolstering the dollar, which had been tumbling.
The Fed is making an effort to convince the markets that the central bank is serious about fighting inflation without having to start raising interest rates at a time when the economy remains very weak.

The last thing the central bank wants is a repeat of the 1970s, when successive oil price shocks did trigger a wage-price spiral that sent inflation soaring and was only subdued when the Fed under Paul Volcker pushed interest rates to levels not seen since the Civil War.

Rocky times are ahead and investors must use prudence and care to successfully navigate through them.

Warmly,

Mary Wozny

Modest Increase Foreseen for Mortgage Rates

2008-06-18T20:55:00.001-05:00

As reported in the Globe and Mail, Canadians should be prepared for a modest hike in mortgage rates as the Bank of Canada turns its attention away from stimulating the economy and toward curbing inflation.

This prospect, combined with other rising costs, will likely cause more homeowners to opt for the security of locking in their mortgages.

That will be the case even though, for now, variable rates are still at least a percentage point cheaper.

The surprise decision last week by the central bank to freeze rather than cut its key lending rate hasn't hit mortgage rates yet.

However, fixed-rate mortgages, which move in tandem with long-term bond yields, should creep up in the next six months as the bond market is hit by concerns about the rising cost of living, said Benjamin Tal, senior economist at CIBC World Markets Inc.

“The No. 1 enemy of the bond market and long-term rates is inflation,” Mr. Tal said. Variable-rate mortgages are tied to the prime rate set by the banks for their best customers. It fluctuates with the Bank of Canada's key lending rate, and Mr. Tal said he expects the central bank will raise rates next year as it moves to curb inflation.

Mortgage rates will likely start heading up in the near term, although the increase should be a moderate quarter to half a percentage point, said Gerald Soloway, chief executive officer of Home Capital Group Inc., which provides alternative mortgages through its principal subsidiary, Home Trust Co.

“I don't think it will be dramatic. I think there will be a modest increase,” Mr. Soloway said. The current volatility in the economy reinforces his view that the bulk of his company's clients, including people on fixed incomes or on a tight budget, should lock in for the longer term, Mr. Soloway said.

“I really don't think that the average homeowner is equipped to speculate on interest rates. I think fixed is a much better option for people getting a mortgage today. Why not have the certainty and protect the investment in your house?”

With both fixed and floating rates expected to rise, CIBC's Mr. Tal, a long-term proponent of variable mortgages, said he now sees a window of opportunity for homeowners to lock in for the next five years.

For all your mortgage needs go to www.MaryWozny.com today and apply online now!

Warmly,

Mary Wozny

Is The Credit Crunch Pushing the US Federal Reserve to Its' Limit?

2008-04-26T19:43:00.001-05:00

Update for investors - Since the onset of the global credit crunch in August 2007, the US Federal Reserve has resorted to a slew of innovative and sometimes unconventional approaches to dealing with the problems faced by distressed financial institutions.

The effort has been part of the Fed's attempt to stave off a full-fledged financial sector meltdown and to blunt the adverse impact of the ongoing disruptions on US economic activity. Despite the massive amounts of liquidity injected into the money market, it doesn't appear that the measures introduced will pose any significant inflationaary risks to the US economy.

Analysts don't believe that the Fed's ability to provide futher liquidity injections into the financial system is compromised by its current level of commitment. Should the Fed's cupboard become bare, there are several options that it can pursue to address any shortcoming it may face.

Ensuring stability in the financial markets has enormous implications for the economic wellbeing and prosperity for any society such that it becomes imperative for it be be pursued at reasonable costs.

Warmly,
Mary Wozny

Bank of Canada Lowers Rates 0.50%

2008-04-25T15:41:00.000-05:00

For the second time in a row, the Bank of Canada has cut the overnight rate by 50bps, bringing the target rate to 3.00%. This is now the first time since 2001 - when Canada was last concerned about the fallout from a U. S. recession - that the Bank has seen fit to cut rates by a full percentage point in just six weeks time.

While the latest statistics have underscored a resurgent strength in Canadian home construction, manufacturing and international trade, the Bank is looking past these red herrings and has their sights set squarely on the formidable risks looming over the horizon.

The Bank noted that buoyant growth in domestic demand has been substantially offset by the fall in net exports. Due to a 'deeper and more protracted slowdown in the U.S. economy', this drag from trade is expected to remain. Low levels of unemployment and aggressive easing from the Bank to date highlights why many Canadians have remained fairly sheltered from the U. S. and financial centered woes.

When the updated Monetary Policy Report is reported, it is expected to report dramatically lower expectations for the U.S. and global growth compared with January forecasts. The Bank hopes to ease these pressures. Lower rates will help shield the economy from externally-driven weaknesses, but the imbalances in the financial sector continue to impair short term borrowing.

The Banks forecast for Canadian economic growth in 2008 and 2009 still seems optimistic which is a good sign overall.

Warmly,
Mary Wozny

Divorce and Your Credit

2008-04-19T08:56:00.001-05:00

With the record high divorce rates in Canada and the United States, one should ask themselves how will a divorce impact my credit report?

A divorce decree alone will have no impact on jointly held accounts that are a part of your credit report. For joint accounts, including credit cards, car loans, home mortgages and lines of credit, you and your ex-spouse continue to have joint liability. You are both responsible, and if one of you defaults, creditors will seek payment from the other.

Just because your divorce may be finalized and you think that "finally it's all over!" the reality is that if you were a co-signer on anything with your previous spouse then you are still liable for these debts. Failure on the part of either party to make payments on time and/or pay off these debts will result in your own personal credit being potentially ruined! Often this happens and you are not even aware of it!

Check your own personal credit and FICO/Beacon Score to avoid these surprises before it's too late.

In Canada, you may check your credit online using the link to Trans Union at www.MaryWozny.com.

Warmly,
Mary Wozny

US Feds Slash Interest Rates

2008-03-18T15:13:00.002-05:00

As reported in the Globe and Mail this afternoon, the U.S. Federal Reserve Board slashed interest rates by three-quarters of a percentage point Tuesday and left the door open to more cuts, moving aggressively to stem a financial market meltdown and avert an economic recession.
Under the watch of Chairman Ben Bernanke, the Federal Open Market Committee voted at its scheduled meeting to bring the benchmark U.S. federal funds lending rate down to 2.25 per cent. The Fed's decision was not unanimous, with two of 10 policy makers dissenting in favour of “less aggressive action.”

In the statement accompanying the decision, the Fed said that the outlook for economic activity has weakened further, consumer spending has slowed and labour markets have softened. “Financial markets remain under considerable stress, and the tightening of credit conditions and the deepening of the housing contraction are likely to weigh on economic growth over the next few quarters.”

The central bank also noted that although it expects inflation to moderate in the coming quarters, uncertainty over the outlook for inflation has increased.

“Today's policy action, combined with those taken earlier, including measures to foster market liquidity, should help to promote moderate growth over time and to mitigate the risks to economic activity,” the Fed said. “However, downside risks to growth remain.”
Charmaine Buskas, a senior economic strategist with TD Securities, said the tone of the Fed's statement points to further rate cuts, with the central bank noting that it will “act in a timely manner as needed to promote sustainable economic growth” and price stability.

“Given that credit markets remain in a fundamental paralysis, and the economy continues to unwind, we are of the view that the Fed will remain in an easing cycle for the next few meetings,” Ms. Buskas said. “The key issue is to first unclog the credit markets and get the wheels turning again.”

Ian Shepherdson, the chief U.S. economist at High Frequency Economics, said that by April 30 Mr. Bernanke should be able to extract another 50-basis-point cut from his more reluctant colleagues. “This will all make no difference to the near-term data, but it is a necessary precondition for recovery, eventually.”

Tuesday's cut is the sixth time in as many months that the U.S. central bank has lowered the federal funds rate, which is now at its lowest level since December, 2004. The rate was 5.25 per cent in August, when the troubles with U.S. subprime loans first escalated and began spreading to capital markets and the wider economy.

Although Tuesday's 75-basis point reduction is large by historical standards, it is bound to disappoint some investors. The Fed also eased rates by 75 basis points at an inter-meeting move two months ago.

Fed-funds futures had priced in a full percentage-point cut after this weekend's stunning near-collapse of investment bank Bear Stearns Cos. Inc. sent shockwaves through markets.
Stock markets in both Canada and the U.S. pared gains immediately after the Fed announcement, although both recovered in the final hour of Tuesday's trading session.

Global credit jitters escalated this past weekend when JPMorgan Chase & Co. agreed to step in to buy Bear Stearns for just $2 (U.S.) a share after the Fed said it would backstop the deal. The central bank announced that it would provide funds to any other troubled investment dealers for the first time since the Great Depression, moving away from its traditional policy of only lending to large commercial banks.

Over the weekend, the Fed also made an emergency quarter-point cut to its discount rate to 3.25 per cent.

Mr. Bernanke has been pulling out all of the stops, taking new and extreme steps in his efforts to ease the credit crunch, set financial institutions on a more stable footing and calm financial and stock markets. Fears that the Bear Stearns situation could trigger similar meltdowns at other financial companies sent Canada's equity market into a tailspin on Monday.
Bank of Canada Governor Mark Carney has said that while he is monitoring the situation, Canada's monetary policy will be driven by domestic conditions, not by panic in global financial markets or external credit problems.

The central bank lowered Canada's rates by a half-point to 3.5 per cent on March 4, citing a weaker-than-expected U.S. economy. According to a spokesman, the last time in modern history that the Bank of Canada slashed rates by 75 basis points was on Oct. 23, 2001.

Warmly,

Mary Wozny

Central Banks Move to Ease Credit Crunch

2008-03-11T09:22:00.001-05:00

According to reports in Toronto's Globe and Mail today, the Bank of Canada joined forces with U.S. and European central banks Tuesday, injecting markets with billions of additional liquidity relief in a continued and co-ordinated bid to ease a global credit shortage.

Just before equity markets opened in North America, Canada's central bank said it will inject $4-billion worth of liquidity into the markets in two parts through its Special Purchase and Resale Agreements. The first injection, worth $2-billion, will be made on March 20 with the securities set to be sold back on April 17, while the second is scheduled for April 3, to be paid back on May 1st.

The central bank said the 28-day purchases, which mirror moves it made in December, are “part of its continuing provision of liquidity in support of the efficient functioning of financial markets.”

Canada's central bank co-ordinated Tuesday's action with the U.S. Federal Reserve, the European Central Bank, the Bank of England and the Swiss central bank. The synchronized global bank action is an effort to provide help in a global credit crises that threatens to push the U.S. economy into its first recession since 2001 if it hasn't already.

The Federal Reserve said Tuesday it will make up to $200-billion (U.S.) in cash available to cash-strapped financial institutions, also for 28 days as opposed to overnight.
“Pressures in some of these markets have recently increased again,” the Fed said in a statement. “We all continue to work together and will take appropriate steps to address those liquidity pressures.”

Divorce and Your Credit

2008-03-09T16:41:00.001-05:00

Bank of Canada Lowers Rates

2008-03-06T20:39:00.001-05:00

In a widely anticipated move, the Bank of Canada reduced its' Prime lending rate by 50 Bps in response to the recent signs of weakening economic conditions and following extremely weak economic figures for the fourth quarter of 2007.

With overwhelming evidence of deteriorating economic conditions in the United States, Canada cannot escape the fallout from the U.S. economic slump which has been a large contributor to the strenthening in the Canadian dollar and has led to weaker demand for Canadian exports. The Bank of Canada noted that "the deterioration in the economic and financial conditions in the United States can be expected to have significant spillover effects on the global economy".

Fortunately for Canadians, inflation in Canada is under control, thus providing the monetary authority the flexibility to lower rates now, with an anticpation of more rate cuts to come. This should help the Canadian economy weather the headwinds and fallout coming from the United States.

To take advantage of the lower rates and an alternate strategy to save you money on your mortgage costs today, contact Mary Wozny at 705-446-9791, email mwozny@mortgagealliance.com, or apply online today at www.MaryWozny.com.

Warmly,
Mary Wozny

Todays Women Homebuyers

2008-03-01T18:46:00.001-05:00

Savvy single women appear to be buying homes more frequently and at a younger age than ever before, and that has turned the industry's attention to this potentially lucrative consumer group in the softening residential real estate market.

Women are more likely to attend university and more willing to leave the parental nest than their male counterparts. According to new data, 37 percent of single women who have never been married now own their own home.

A desire for financial security, their gowing clout in the workplace and a desire to strike out on their own is helping drive this trend, which is showing significant year-over-year growth. Some researches believe that this is a revolution that will likely change the face of Canadian housing, with the average age of the first time women buyer at 29.

Women buying homes are also showing a marked interest in buying the "fixer-upper" home and becoming proficient in dealing with renovation centres.

To deal with a professional empathetic to the specific needs of women today and to access our Right Mortgage for Women, visit www.MaryWozny.com today.

Canadian Housing Starts Surge

2008-02-08T09:12:00.001-05:00

As posted in todays Toronto's Globe and Mail, new data out shows that housing starts in Canada jumped in January, yet another sign that the Canadian market continues strong while the U.S. market melts down.

Housing starts rose to 222,700 on a seasonally adjusted and annual basis, Canada Mortgage and Housing Corp. said Friday, up from 184,700 in December and more than economists had forecast.

“Historically low mortgage rates, solid employment and income growth, as well as a high level of consumer confidence, continue to underpin the high level of housing starts,” said Bob Dugan, chief economist at CMHC's Market Analysis Centre, adding that January's starts rebounded to a level more consistent with 2008 expectations of 211,700.

That would mark the seventh consecutive year of starts above 200,000.

The Canadian housing market is expected to remain in fairly good shape in 2008 and to remain an important source of economic activity in Canada, says economics strategist Millan Mulraine of TD Securities. “Though we expect it to fall below the blistering pace recorded in 2007. This is on account of the favourable labour market conditions, the continued strong growth in labour income and the expected drop in mortgage rates, as the Bank of Canada continues to lower the policy rate.”

Warmly,

Mary Wozny

Exciting New Service For You!

2008-02-03T23:54:00.000-05:00

I've often asked myself what my subscribers want? What else can I bring to the table to help them with their real estate investing and ensure that their deal closes?

Well, one of the most common problems that I hear about after you've found the property you want to invest in, is how do you get the financing for it?

Well I have the answer for anyone investing in real estate in Canada! Yes, you heard me, anywhere in Canada!

I've been working behind the scenes the last few months getting this ready to roll out for you in the New Year. So here it is!

Now you can bring your financing needs on your deals to me and my staff and we will find the right mortgage for you. I have aligned myself with the largest independent broker in Canada and have over 40 lenders to meet your unique needs. My team and I will work diligently to get you the right mortgage financing for your residential and commercial deals. Visit www.mortgagesforinvestments.ca and apply online today.

I personally know the challenges that we as real estate investors face when applying for mortgage financing and believe that offering this service to you is adding another 'tool' to your toolbox, a very important one at that!

Use the expert in creative real estate investing to help you get creative and organize or re-structure your financing today to meet all your investment needs. Refinance or HELOC, consolidate your debts, or finance your first purchase, we will get YOU the right mortgage for your specific needs.

Click here and apply online NOW!: www.mortgagesforinvestments.ca.

Warmly,

Mary Wozny

Using Your RRSPs Toward a New Home

2008-02-03T08:23:00.000-05:00

Most of us think about building retirement savings for the future. Too often, we forget that as first time homebuyers, we can get our retirement savings working for us a little earlier. Although sometimes things seem out of reach, on closer examination there is a solution around the corner. Purchasing that first home may be a lot more feasible than we imagine. By using your RRSPs for a down payment for example, you may be able to buy a home sooner.

The Federal Government has established a program where first time homebuyers can take advantage of savings they have accumulated in their RRSPs for the purchase of their first home. The program allows each participant to withdraw up to $20,000 in RRSPs to finance the purchase under the First Time Homebuyers’ Program ($40,000 per couple). The great news is that you have 15 years to pay it back!!

For those purchasers who already have the down payment saved, purchasing an RRSP with those funds may go financially further for you than the initial down payment. The transaction would also get you a tax deduction for the year in which the contribution was made. Potentially, at tax time, you would be eligible for a tax refund due to the RRSP contribution. The tax refund would represent additional funds that could be used for other incidentals and closing costs. One factor that is very important to remember here is that the RRSP funds must be on deposit for 90 days to be eligible.

The payback period is monitored and regulated by the Federal Government. They will remind you annually the amount that is required to be deposited in to your RRSP. As long as the program is adhered to, you have 15 years to repay with no penalty. It is borrowing from your golden years but not depleting your retirement savings.

Ask your Mortgage Alliance professional about other ideas to make your purchase a little easier. Contact Mary Wozny at http://www.MaryWozny.com

For more information on the First Time Homebuyers’ Program please visit www.ccra.ca

Warmly,

Mary Wozny

Cardiorespiratory fitness reduces the risk of death in men with Metabolic Syndrome

2008-01-26T11:32:00.000-05:00

Metabolic syndrome is a cluster of disorders that include abdominal obesity, high blood pressure, elevated blood sugar, and unhealthy cholesterol levels. Up to one in four U.S. adults has metabolic syndrome, significantly increasing their risk for diabetes and cardiovascular disease.

Fitness, regardless of body weight, can provide a strong protective effect against premature death in men with metabolic syndrome as well as healthy men. Cardiorespiratory fitness reduces the risk of death in men with Metabolic Syndrome.

In a study published in the Archives of Internal Medicine, over 19,000 men were recruited to determine the relationship between cardiorespiratory fitness (CRF) and mortality risk in healthy men and those with metabolic syndrome. The study group, which included about 3,800 men with metabolic syndrome, were evaluated for fitness and then followed for up to 17 years. Healthy men who were out of shape at the beginning of the study were three times as likely as their fit peers to die of cardiovascular disease. While men with metabolic syndrome were 89 percent more likely than healthy men to die of heart disease over the years, men with metabolic syndrome who were unfit had twice the death rate as their fit counterparts.

According to the researchers, "This study strengthens the argument for aggressive public health campaigns aimed at increasing physical activity levels in the population." Fitness, regardless of body weight, can provide a strong protective effect against premature death in men with metabolic syndrome as well as healthy men. Arch Intern Med 2004 May 24;164(10):1092-7

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

Cancer Update

2008-01-24T15:56:00.000-05:00

Cancer Update from Johns Hopkins Dec 31 2007

1. Every person has cancer cells in the body. These cancer cells do not show up in the standard tests until they have multiplied to a few billion. When doctors tell cancer patients that there are no more cancer cells in their bodies after treatment, it just means the tests are unable to detect the cancer cells because they have not reached the detectable size.

2. Cancer cells occur between 6 to more than 10 times in a person's lifetime.

3. When the person's immune system is strong the cancer cells will be destroyed and prevented from multiplying and forming tumours.

4. When a person has cancer it indicates the person has multiple nutritional deficiencies. These could be due to genetic, environmental, food and lifestyle factors.

5. To overcome the multiple nutritional deficiencies, changing diet and including supplements will strengthen the immune system.

6. Chemotherapy involves poisoning the rapidly-growing cancer cells and also destroys rapidly-growing healthy cells in the bone marrow, gastro-intestinal tract etc, and can cause organ damage, like liver, kidneys, heart, lungs etc.

7. Radiation while destroying cancer cells also burns, scars and damages healthy cells, tissues and organs.

8. Initial treatment with chemotherapy and radiation will often reduce tumor size. However prolonged use of chemotherapy and radiation do not result in more tumor destruction.

9. When the body has too much toxic burden from chemotherapy and radiation the immune system is either compromised or destroyed, hence the person can succumb to various kinds of infections and Complications.

10. Chemotherapy and radiation can cause cancer cells to mutate and become resistant and difficult to destroy. Surgery can also cause cancer cells to spread to other sites.

11. An effective way to battle cancer is to starve the cancer cells by not feeding it with the foods it needs to multiply.

CANCER CELLS FEED ON:

a. Sugar is a cancer-feeder. By cutting off sugar it cuts off one important food supply to the cancer cells. Sugar substitutes like NutraSweet, Equal,Spoonful, etc are made with Aspartame and it is harmful. A better natural substitute would be Manuka honey or molasses, but only in very small amounts. Table salt has a chemical added to make it white in colour. Better alternative is Bragg's aminos or sea salt.

b. Milk causes the body to produce mucus, especially in the gastro-intestinal tract. Cancer feeds on mucus. By cutting off milk and substituting with unsweetened soy milk cancer cells are being starved.

c. Cancer cells thrive in an acid environment. A meat-based diet is acidic and it is best to eat fish, and a little chicken rather than beef or pork. Meat also contains livestock antibiotics, growth hormones and parasites, which are all harmful, especially to people with cancer.

d. A diet made of 80% fresh vegetables and juice, whole grains, seeds, nuts and a little fruits help put the body into an alkaline environment. About 20% can be from cooked food including beans. Fresh vegetable juices provide live enzymes that are easily absorbed and reach down to cellular levels within 15 minutes to nourish and enhance growth of healthy cells. To obtain live enzymes for building healthy cells try and drink fresh vegetable juice (most vegetables including bean sprouts) and eat some raw vegetables 2 or 3 times a day. Enzymes are destroyed at temperatures of 104 degrees F (40 degrees C).

e. Avoid coffee, tea, and chocolate, which have high caffeine. Green tea is a better alternative and has cancer fighting properties. Water - best to drink purified water, or filtered, to avoid known toxins and heavy metals in tap water. Distilled water is acidic, avoid it.

12. Meat protein is difficult to digest and requires a lot of digestive enzymes. Undigested meat remaining in the intestines become putrified and leads to more toxic buildup.

13. Cancer cell walls have a tough protein covering. By refraining from or eating less meat it frees more enzymes to attack the protein walls of cancer cells and allows the body's killer cells to destroy the cancer cells.

14. Some supplements build up the immune system (IP6, Flor-ssence, Essiac, anti-oxidants, vitamins, minerals, EFAs etc.) to enable the body's own killer cells to destroy cancer cells. Other supplements like vitamin E are known to cause apoptosis, or programmed cell death, the body's normal method of disposing of damaged, unwanted, or unneeded cells.

15. Cancer is a disease of the mind, body, and spirit. A proactive and positive spirit will help the cancer warrior be a survivor. Anger, unforgiveness and bitterness put the body into a stressful and acidic environment. Learn to have a loving and forgiving spirit. Learn to relax and enjoy life.

16. Cancer cells cannot thrive in an oxygenated environment. Exercising daily, and deep breathing help to get more oxygen down to the cellular level. Oxygen therapy is another means employed to destroy cancer cells.

1. No plastic containers in micro.

2. No water bottles in freezer.

3. No plastic wrap in microwave.

Dioxin chemicals causes cancer, especially breast cancer. Dioxins are highly poisonous to the cells of our bodies. Don't freeze your plastic bottles with water in them as this releases dioxins from the plastic.

Recently, Dr. Edward Fujimoto, Wellness Program Manager at Castle Hospital, was on a TV program to explain this health hazard. He talked about dioxins and how bad they are for us. He said that we should not be heating our food in the microwave using plastic containers. This especially applies to foods that contain fat. He said that the combination of fat, high heat, and plastics releases dioxin into the food and ultimately into the cells of the body. Instead, he recommends using glass, such as Corning Ware, Pyrex or ceramic containers for heating food. You get the same results, only without the dioxin.

So such things as TV dinners, instant ramen and soups, etc., should be removed from the container and heated in something else. Paper isn't bad but you don't know what is in the paper. It's just safer to use tempered glass, Corning Ware, etc. He reminded us that a while ago some of the fast food restaurants moved away from the foam containers to paper. The dioxin problem is one of the reasons. Also, he pointed out that plastic wrap, such as Saran, is just as dangerous when placed over foods to be cooked in the microwave. As the food is nuked, the high heat causes poisonous toxins to actually melt out of the plastic wrap and drip into the food. Cover food with a paper towel instead.

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

Recession Woes???

2008-01-23T14:08:00.000-05:00

In light of the recent market corrections in both Canada and the United States, and the continuing fears of an economic recession, investors have good reason to be concerned.

Both the US Federal Reserve and the Bank of Canada have reduced rates earlier this week in an attempt to forestall this downturn and essentially 'put a finger in the dyke'.

Here's an interesting article for both Canadian and Americans on this, thought you might be interested.

Click this link http://www.globeinvestor.com/servlet/story/RTGAM.20080122.wrmarketstick0122/GIStory/

Warmly,

Mary Wozny

US Economy Bleek - Will This Help?

2008-01-18T09:34:00.000-05:00

I was just reading this article in the Globe and Mail and wanted to share it with you. It's a good read on a plan that Bush has brought out to prop up the failing economy and hopefully prevent a recession.

Click on this link to read the full story, http://www.globeinvestor.com/servlet/story/RTGAM.20080117.wbernanke0117/GIStory/

Hope you find it informative!

Warmly,

Mary Wozny

Time Saving Tool For You!

2008-01-02T17:59:00.001-05:00

We all know that time is money and I really hate wasting it!

I'm guessing that you're like me with numerous websites you are constantly logging into, trying to remember your usernames and passwords for each one.

Well, I've found an awesome tool that does this for me automatically! I simply pick what site I want to log in to from my personalized drop down menu and voila! It opens the website, automatically enters my user name and password and I'm in! What a time saver for me! I even have it loaded on my laptop! What a bonus for me when I'm travelling!

Click this link and check this out now, www.roboform.com/php/land.php?affid=m1205
You'll be glad you did! Make your business simplier with this excellent tool!

Go to www.roboform.com/php/land.php?affid=m1205 NOW and order your downloadable licence and get start saving time NOW!

Prosperously Yours,

Mary Wozny

Happiest New Year to you All!

2007-12-31T16:05:00.000-05:00

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

US New Home Sales - Down!

2007-12-28T12:05:00.000-05:00

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

Merry Christmas!

2007-12-24T17:11:00.000-05:00

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

Getting Fit - One Step at a Time

2007-12-17T23:03:00.000-05:00

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

Vitamin D and Endometrial Cancer

2007-12-10T14:41:00.000-05:00

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

Thanksgiving Wishes!

2007-11-23T08:56:00.000-05:00

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

Omega-3 Fatty Acid Intake Associated With Lower Heart Disease Risk

2007-11-22T15:26:00.000-05:00

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

Vitamin D Reduces the Risk of Certain Cancers

2007-11-11T20:15:00.000-05:00

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

Moving On .... Freedom!

2007-10-29T21:42:00.000-05:00

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

If You Weren't Able to Make the Call Last Night .....

2007-09-19T12:47:00.000-05:00

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

Deal of the Day!

2007-09-17T18:22:00.001-05:00

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

Let This Be Your Inspiration!

2007-09-13T15:19:00.000-05:00

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

Here's Your Bonus!

2007-09-12T18:46:00.000-05:00

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

REI Takes A Blow - Investors Look Elsewhere

2007-09-06T19:28:00.000-05:00

(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'

Problem Free????

2007-08-24T19:32:00.000-05:00

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

New Home Construction Slowest in Decade!

2007-08-19T18:38:00.001-05:00

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

Why Go To A Professional?

2007-08-17T21:53:00.000-05:00

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

How Belief Systems Contribute to Your Success

2007-08-16T20:00:00.000-05:00

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

Unpleasant Surprises!

2007-08-13T14:53:00.001-05:00

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

Should I Invest In Foreclosures?

2007-08-11T22:08:00.000-05:00

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

Assignments of Contracts

2007-08-10T08:56:00.000-05:00

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

Build a 100K Opt-In Viral List in 30 Days

2007-08-09T16:46:00.000-05:00

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:::

Los Angeles Real Estate

2007-08-07T20:04:00.000-05:00

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

Who Are You????

2007-08-06T09:18:00.000-05:00

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

Investing in Chicago, Illinois

2007-07-25T15:15:00.000-05:00

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

Reality Check!

2007-07-24T11:16:00.000-05:00

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