Part 1 – In this video we define what a short-sale is and dig into the pro’s & con’s of this type of real estate transaction. This will help anyone looking to either sell their current home as a short-sale or buy one of the many short-sale homes available in today’s market.

Marki Lemons enlightens us on the short sale process and many of the steps involved. Invest With Passion!

Part 2: Dawn Rickabaugh shares her experience with Short Sales. Short Sales are almost inevitable in today’s market because banks and lenders were aggressive with zero down and easy qualifying. Now that home prices are no longer what they used to be just a few years ago, banks and lenders will be “shorted” from the sale of the property. In this informal meeting, Dawn tells us what banks and lenders and doing and what you must do to get into this market.

Chris Galler, COO, MN REALTORS® and Brad Boyd, Esq, Thomsen, Nybeck, PA “Risk Reduction Resource: Short Sales” February 24, 2009 View Creative Short Sales Products by Brad Boyd, Esq., at tinyurl.com

The Nigerian judicial system in spite of the accolades it has generated recently needs reforms to help it move forward. This very sector like others in the country is still sailing in the wrong direction.

 

The problem of the nation’s judiciary begins with law practice as its actors are often boldly arrogant and full of proud to the society in which they are expected to exhibit intellect and learnedness in reducing challenges. It may be rightly argued that lawyers are not the cause of the nation’s problems but wrong too to conclude that they don’t aid such problems that grow bigger than the nation. Lawyers’ main concern nowadays appears to help obvious perpetrators of evils in our society get justice only to relapse again and again. It is sad to note that even when offenders privately confess to our lawyers, these lawyers go ahead to borrow them excuses to present to the court just because of money.

 

So many more things are wrong with the Nigerian lawyers who are always in a hurry to take matters that ordinarily should have been sorted out at home to the highest court. You become their client as soon as you present them with what you think is wrong or how you think you have been offended. He never believes that a client can be counseled or made to understand that he is wrong in the matter he is pursuing. The implications are therefore the acquisition of family lawyers to pursue matters that would waste the magistrate’s time and threat of seeking redress in the court even when one is obviously in the wrong.

 

Every well trained lawyer should posses the tactfulness to deal with issues between two or more persons and bring about peace thus reserve time, efforts and energy of taking up a matter he may never wish to conclude in the first place. Because the lawyers are ever desperate to take matters to court, he often ends up sentencing innocent persons to court. Where is his conscious when he has received gratifications and ready to charge more legal fees? Magistrate’s and judges have on many occasions wondered why certain trivial issues that would ended at the desk of a solicitor or even at the police station be brought before him when there are many urgent and pressing issues to be treated.

 

It is for this reason that many cases taken to our courts are abandoned by even the one who took such matter to the court. The richer could than just drag an unsuspecting poorer person to court all to teach him a lesson by making spend huge sums of amount or because e has been advised to prove a point by his advocate. Sometimes you wonder whether a lawyer will ever tell you the truth. Court injunctions become the easiest means of killing other people’s opinion. The situation is now that many of these lawyers often abandon matters to which they have been granted injunctions because they are satisfied having proved the point of what they are capable of doing.  As we know it lawyers never accept fallibility. When he wins a matter, he hails the court and when he loses, he begrudges the judge and sees the areas not deeply looked into.

 

Call your lawyer and inform him on the date of your matter, his reply will unpleasantly beat you. He tells that he doesn’t have enough money to fuel his car to the court. Obviously you begin to understand that he is tired of taking up your matter because it does not generate sufficient money from you to him.

 

Adjournment is an instrument of waste of time with which a lawyer stalls for time to cause their victims harms. The Nigerian judiciary has not found any solution to this problem eating up that arm of the government. Every lawyer in way likes it but hates to experience it. It is this adjournment that makes a suspect spend many years in jail awaiting or going through endless trials.

 

He tells you he is learned while you are merely educated but a lot of them shy away from going to courts because there is a new profession called estate management. In Nigeria, Estate surveyors and Valuers and Real Estate Agents are on their knees begging lawyers to allow them practice their rightful profession but a lawyer tells you he is more learned and honest to be entrusted with the profession. But does he conduct valuation of properties? Many lawyers now sit under the trees waiting to rent out single rooms while also avoiding going to the courtrooms.

 

When a lawyer acts on behalf of their clients in a landlord and tenant matter he is likely to worsen the situation that could have been solved by hurriedly showing the tenant the road to court in a proceeding that could last for more than 2 years before judgment is secured. Te objective of the lawyer in this case is to enable the landlord forfeit his rents for the period that the trial lasts. Usually, tenants abandon the property before the end of such matters are seen leaving his rents unpaid. The landlord well gracefully accepts the situation at least he has his property to rent out to another tenant.

 

The implication of this again is that an impecunious tenant could use a lawyer as an instrument of delay and avoid the payment of his rent until he moves out of the property on a night taking the landlord unaware. This development is a bad one and needs to be addressed if we are genuinely interested in instilling national morality in our people.

Amazing Short Sale Profits Part # 2 of 2

 

 

Now, let’s look at a situation where there is $100,000 owed on a mortgage and the property has back taxes of $5,000, a 6% real estate commission of $6,000 and repairs of $10,000. On a good day, the lender(s) may net $79,000. Now if the market value has fallen by 10%, then it is worth maybe $69,000, if…the lender can find a Buyer?

 

Now a sales price of $69,000 may be a fair deal for some Buyers, but not a great deal to a smart Buyer and certainly a very poor one to a wholesaler. So, if a retail Buyer could get this property for $60,000, that would be a much better value and the wholesaler could get for $50,000, that would work for him.

 

Soooo… how can we persuade the lender(s) to agree to approve and accept a short sale offer from a bad loan for them into a great deal for us? Make them an offer and substantiate with documentation why they should accept it, and that the Buyer is qualified to buy it now. The lender(s) and borrower(s) both at this point just want to “make it end and go away”.

 

Each loan(s) and lender(s) has certain criteria and guidelines to follow and must comply with. The lender(s), if they feel that there is a reasonable and responsible offer from a serious qualified Buyer, they will engage an appraiser and or a BPO agent to be the eyes and ears for the area and property and will forward their written opinion (appraisal or BPO) back to the lender(s).

 

The lender(s) will evaluate and then will decide to accept, counter or reject the offer. Additionally if there are two or more lenders on the subject property, the first lender will basically decide what they will take and typically the second may only get $1000 to maybe $5000, very seldom any more.

 

If the property goes to a public sale, typically anyone behind the first mortgage will lose out. Assuming the lender(s) accept the offer, then a detailed letter of the short sale agreement will be forwarded to the closing office and the purchase and sale will be completed in a typical fashion, with all parties getting what was agreed to.

 

In the forms section is all the paperwork that is needed to complete a short sale. The borrower(s) cannot negotiate a short sale for themselves and also CANNOT receive back any money proceeds from the closing

 

To learn more about the amazing profits of short sales, please visit our website or contact us for more in depth information. Questions…please contact me.

Capital Ideas: Gold and the Theory of Storage (Part I)
This article delves into the theory of storage, and the behavior of metal prices in relation to business cycles based on an important paper by famed academic team, Fama and French.

Read more on Kitco.com

“C.C., you do remember that we are looking at things through our soul’s eyes, ken? Yes?” Moriya asked without pausing. “Then, although these things are here – now, right in front of us, the notion of *eternity* means that everything has existed from time immemorial.

What happens is that when the moment is karmically ripe, we become suddenly aware of the existence of certain things, of certain thoughts and of certain symbols. Some call that a ‘ha-ha’ or a eureka moment, but really, it is not as if these symbolic things have only just now popped up out of nowhere. They have been there, right under our nose, from the moment of our birth.”

Burleigh Heads – April 5 – 2008

The hoop pines on the esplanade, branches turned up like fingers towards the darkened afternoon sky, sway slowly through the sea wind.

The sounds I hear through the open windows of this rented beachfront apartment are those of the rain pelting down; those of the sea roaring in her pewter grey, pre-storm mode and those made by the sluicing of car tyres seven floors below. A butcher bird, feet gripped around the railing of the balcony, is all fluffed up. Beak lifted to the sky, she calls out a vehement and repetitive two-tone high-pitched warble. What is this bird saying? To whom is she calling out?

I do know that because of the black and white of her feathers, this bird is a messenger intended to remind me that, for what remains of this day and beyond – while my darling and I are holidaying in this beach resort – I need to make balance a priority.  Beyond this, I will never get to know what else this little butcher bird was calling out.

Well, actually, this is not quite true.

Seven floors above the esplanade = the elevated position of the 7th Chakra – looking from soul’s eyes

A butcher bird = butcher = a person who sells meat – to kill = the need to curb my/our lower *animalistic* desires of the flesh

What is this bird saying? = “overcome your base instincts.”

To whom is she calling out? = to me, of course, as spiritual messages are always intended for the one who perceives them. This message, like all others, will be repeated, albeit differently, more loudly, more painfully until I find a way to act on it.

The bottom line is that while I enjoy our long walks on the beach, a glass of chilled pinot gris at our favorite beach cafe and contemplate the pattern of waves rolling in,

I must also remember the priorities of one on The Path.

Not long ago, I wrote something to Moriya about a sunflower on our patio and how beautiful it was with its large open face fringed by bright yellow petals.

“So much more interesting to me than a rose all curled up on herself, even if her enduring glam status dates back to millions of years B.C.”

“C.C., you have to be aware every minute of every day. Yes, the sunflower is beautiful,” Moriya replied by return mail, “but you forget the symbolism of this flower.

A sunflower is the motif of the sun shining large and round within our mind. It is the symbol of turning to follow the Light. It symbolizes our crown chakra.

You must remember to be aware that all you are attracted to – or repelled by – is a message brought to you by your soul.

Keep observing to catch each of her messages. Don’t fall back into sleep-walking mode. Take your diary with you on the vacation and write your thoughts, your emotions and experiences.

Bring back all that you notice and we will have a look at it together. Be awake.”

v

The big deal is that all the messages, signs or symbols we do not see, little blind

mice that we are, amount to so many arrows pointing to the “Yellow Brick Road” we need to be on.

They are the emergency light pinpoints that line the central aisle of an airplane, the ones intended to guide us in the advent of a catastrophe.

The spiritual signs of the sort we are going to explore in this file are as recognizable as the Nazca lines scarred into the Pampa Colorada of Peru. Assumed to be at least 1500 years old, they remain an enigma that can only be deconstructed from the air, which is symbolic of the *elevated* spiritual position our soul aspires for us to reach … one day.

v

When we are blind to the world of messages around us, we talk about coincidences, good luck or bad luck, good days and bad days and we scratch our head wondering why and how we have ended up in any one particular situation. Maybe we cry,

maybe we shrug, maybe laugh but, as sure as the moon never sets, we eventually move on and further into something akin to tunnel vision or selective blindness.

v

We do not see for looking.

We do not SEE the many flags waved at us and, sure enough, we soon get another opportunity to say, “What the …” for it is only by looking through our soul’s eyes – from an elevated position – that we can create meaning out of our life’s landscape.

v

If the choice is between getting some sort of understanding as to why things *happen* to us as they do – even in the absence of total proof – or relying on holy water, crystals and tumble stones, Feng Shui water fountains, reciting of mantras while driving to work or having faith in our favorite talisman, pet rock, neighbourhood healer, hermit or quack – I have made my choice.

v

Messages – in the form of signs and symbols, names and thousands of words and images – swirl around each and every one of us, all of the time, in our wakeful moments and in our sleep.

Because these signs are not dramatic signs such as apparitions or strange

manifestations; because we, as a civilization, have lost the ability to recognize them, they remain unnoticed.

v

Our brain recognizes spectacular, hi-glam, hi-visibility meaningful moments, but our brain simply does not interpret the mundane and the minute signs embedded in the continuous string of moments that make up our days and our nights – year after year after year – from birth to death. Yet, like rain drops hanging precariously off our clothes line side by side, they are connected to each other; they are tangible and they carry meaning.

v

It is unhelpful to imagine a separation between work and play; between night and day; between our private life and our public life; between the many hats that we wear.

As Moriya says, “While we are standing with our physical body on stable ground in the physical world, our thoughts/feelings exist in Astral realm, and at the same time our higher spiritual attributes, specifically unconditional love, exist in much higher realms, from which comes down all the messages.

“We live at the same time in many worlds and the ability to switch between them in order to make good decisions, good deeds, good feelings, good Karma depends on our state of evolution.”

When we are limited to seeing life through physical eyes, we can see only *gross matter*. Thus, the range of our interactions with our fellow human beings generally includes a degree of exploitation, competition, envy and greed. Even our *loved ones* we love mechanically for we seldom accept them – dynamically – as they are. The tender-loving care we give them is often conditional on their good behaviour. And even if we do keep loving the unlovable because we care or because we do not dare sever the link, we make that our cross to bear in this lifetime.

The compensation for our apparent selflessness is the warm display of sympathy and public kudos we get in return from our friends and social services who understand our plight – the next best thing after love.

v

We are unable to see others, *them*, as brothers and sisters, which is why inevitably we end up in the familiar game of Us vs Them while Me, I, Mine all come in at number 1.

v

We are unable to see strangers or even acquaintances as worthy of the same *good life* as we are – of being a part of our world. That is because we are indeed separate beings, held separate from each other by our skin, while on the higher realms, energetically, we are inseparable – just like the sun’s rays are inseparable, or the gusts and the breeze are inseparable from the air. Just like the waves are not separate. Just like there are no big drops and no little drops to be found inside the sea because there are no drops – all there is, is the sea.

v

Every moment, pleasant or not, is simply another stitch in the tapestry of our lives. Even when the thread gets knotted up, it’s only another stitch. And it, too, shall find its place in the weave of the tapestry.

v

It is also unhelpful to think that we live in a concrete world where all that matters is material; that all that is abstract is obscure; that all that is invisible to us does not exist.

v

Our human brain has been trained to derive meaning from all that comes within our awareness.

Grey clouds in the sky warn us of incoming rain.

A flag stands as pride of a country. At half-mast, it stands for mourning.

Barbed wire symbolizes loss of freedom, while a dove symbolizes love and freedom. We understand the tools represented by each of the icons on our desktop.

We know what a thumbs-up means, just as we understand the symbolism of a fist raised in defiance, which is different from a fist pumping the air in exhilaration.

A baby symbolizes life and softness as well as unconditional love and so does a puppy dog.

Strangely, diamonds evoke enduring love.

Feathers make us think of Native American Indians and the flight of our soul. Typically, a policeperson symbolizes protection.

A yellow rose symbolizes friendship. Interestingly, although a red rose has come to signify true love, red being the color of our lowest chakra – the one from which stem our primitive instincts and our knee-jerks – it is no wonder that true love tends to wither quickly.

The color green represents nature and wellbeing, as well as jealousy, while the little green person inside the traffic light tells us when it is safe for us, pedestrians, to cross the street.

v

In reality, everything and everyone who comes directly within our line of vision to connect with us, personally, is a message-carrier that, as clearly as any other semiotic code, has a meaning that is intended for us – personally. Whatever comes to our awareness wants us to be aware of it. If we are not aware, we are asleep at the wheel, and if we are asleep at the wheel, the question worth asking is What, then, is driving us?

v

Beyond guiding us towards our potential, symbolic signs and occurrences are sent to us to remind us, to encourage us, to confirm that, spiritually, we are on the right track. They are also sent to us to warn us when we are on the wrong track.

v

Before we begin looking specifically at dream deconstruction [intentionally set up as an appendix to this file and titled How We Need To See], it is important to get a general understanding of the symbols that appear in our mindful, wakeful moments. Until we do, we are no more evolved than the toddler roaming from room to room who only becomes aware of the dangers and traps, represented by the myriad of objects around her, once they have caused her pain.

The sooner she learns that the wiggling of her mother’s index finger means, “No”; that the corners of the coffee table symbolize pain, along with buttons popped in her mouth; reaching for the iron cord, and exploring the content of the cabinet under the sink, the sooner she will experience less avoidable pain and more spontaneous rewards.

v

As a way to introduce the simple but pervasive nature of symbols in our day-to-day lives, I will recount a moment shared by Jayne, a cyber friend of mine.

Weeks and weeks earlier, I had recommended to this young woman that she find a copy of Elizabeth Haich’s book, “Initiation”. Unable to find a copy locally, she spotted the book’s listing on Amazon.com and, as she said, she could have ordered the book there and then. Because she was in the process of moving and could not be sure of the delivery date, she didn’t.

Then, many weeks later while out to meet with a real estate agent to view what would soon become her new house, Jayne arrived early and whiled the time away in a café. Opposite this café, she spotted an old second-hand bookstore, so she wandered across to have a look with, she said, “Elizabeth Haich’s book specifically in mind”.

As Jayne walked through the door, she found herself in a small room divided down the middle by a bookshelf. She looked at the books nearest her.

“Lo and behold, it was the spiritual section,” she said, “and I scanned the shelves for the white spine of the cover I had seen on Amazon and BAM – literally in under one minute after I had entered the shop, I was pulling a copy of “Initiation” from the shelves.” Perhaps tongue in cheek, Jayne added, “I took that as a sign that we had indeed found the right house in the right area etc.”

This lovely story indicates how Karma works: nothing *timely* can move forward or be cracked open until we are ready to make a time and space for it.  We can only do that by being aware of our small and deceptively innocuous moments. If we blank out a second too long, we’ve missed out.