Monday, May 19, 2014


Hello all,


We have had several cycles in the real estate market the last 15 years. 1999-2005 it ran hard, 2006-2010 it fell hard, 2010-2012 it was flat and now we are moving in a positive direction again. When the market is flat we usually do not have appraisal issues but when it moves in one direction or another they start to creep in. The reason being is the data is changing quickly and it becomes discretionary to what the data means. One of the sayings in the business is "An appraisal is an art not a science". If you send 5 different appraisers out in a moving market you could get 5 different opinions on value. With the market moving again we are seeing the appraisal issues start to come back. If you get a low appraisal you do have the ability to fight it. If you need help with this your manager and I are there to help. Please let us know and we can meet with you to look over the appraisal and the comps.

Enjoy the coffee,

Monday Morning Coffee
"All that Adam had, all that Caesar could, you have and can do . . . Build, therefore, your own world." 
~ Ralph Waldo Emerson
Picture a builder hiring a new framing carpenter to help construct his new homes. The first day on the job, the new carpenter shows up without a tool belt . . . and without any tools . . . and asks, "Where do I begin?" How much progress do you think would be made by the end of the first day?
Most of us at some point in our lives are like the unprepared carpenter. We show up, but have no tools, and haven't the slightest clue what we want to build. Within us, we have the power to build any life we choose, yet at day's end, nothing has changed.
Oh sure, we actively pursue the day-to-day activities of our chosen career, yet we don't take time to visualize the finished product - our life. Thoreau said it best: "Live the life you've imagined." Steven Covey said it this way: "Begin with the end in mind."
To "build your own world," begin by deciding what that world will be like. Next, gather the tools required to begin construction. Finally, begin practicing until you are an accomplished master.
If you want to be a renowned musician, choose an instrument, take lessons, and practice eight hours each day. If you want financial independence, determine a method, learn how others have achieved wealth, and mimic their approach and techniques.
Just remember, the world you get is the world you chose. It's an awesome responsibility - knowing that what you become is the result of the choices you have made. It's also an awesome opportunity to enjoy all the peace, contentment, freedom and riches life has to offer.
Carpe diem! Seize the day!

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