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May God richly Bless you!

Friday, October 29, 2010

Foreclosure Alternatives: The Short Sale

Below is a great article explaining
what a short sale is and how
 it is a better option than
foreclosure. If you are in
financial trouble and you
think your home may
be worth less than you
owe a shortsale may be
for you. Please do not wait.
Contact me with any questions
or concerns you may have!












    Visit

    Faith Can Move Mountains


    Well Good Friday morning to all of you! Some of us have been planning today since Monday. I hope all of you have something fun and exciting in the works and have an awesome weekend. There is much to choose from in our wonderful area and I am very excited to have something super special happening tonight that will make my weekend perfect!  
    My thought this morning is about how we all try to constantly do everything in our own power and strength forgetting the source of all power and wonder why we are so exhausted from the struggle of it all. Between raising our families, working harder than ever before for less money, concern over the loss of jobs, struggling with health issues, worrying over aging parents, concern over wayward children, concerned about our children’s safety at school, saddened over misunderstandings, disgruntled over mistreatment from those we called friends, praying for friends and family with addictions and so on it is very easy to fall into a state of depression or mental exhaustion from carrying the burdens on our shoulders too long.
    When we attempt to be our own source of power we completely exhaust ourselves. We should get up every single morning praying asking God to take our burdens and cares and give us the faith we need to turn everything over to Him knowing He is in control and is working all things for our good and their good. Through His strength and power we are able to conquer anything but without Him we can do nothing.  Help us to realize that He is our source of strength through all areas of our lives.
    God bless you all as you live your lives each day in the full knowledge of His power. I pray you will find complete and total peace to be able to tackle every issue of concern in your lives. For without Him we can do nothing and having even just a little faith can move mountains. 
    Have a wonderful weekend!
    _______________________________________
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    Tuesday, October 26, 2010

    Foreclosure Alternatives! Do NOT give up!

    I hope you all have had a wonderful day!



    I get calls almost weekly from those who are in trouble with their  mortgages but almost as distressing are those who allow themselves to get behind on their mortgage several months and then cry for help or just vacate the property without ever asking for or trying to get help.


    I have witnessed time and time again folks who purchase homes and then for whatever reason very soon after purchasing stop making payments and then I have had just as recently as this week another family who have had their home for 4 years and have vacated the property without ever trying the alternatives that would most probably have been available to them if they had tried. Let me implore you that if you ever start getting behind on your mortgage or if you even think you are headed in that direction I can help. There are many factors involved but you may have an option of loan modification, shortsale, deed in lieu or other alternatives. The least desirable is foreclosure.

    If you or anyone else you know is in trouble on their mortgage please do not hesitate to call me! I will happy to assist you or them in any way I can.

    Below is an article that is helpful regarding foreclosure alternatives! More to come in days ahead!


    How to Talk to Your Lender About Foreclosure

    Published: June 11, 2010
    When facing foreclosure, the first step is to get in touch with your lender to discover your options.

    Review the details

    Start by reviewing all correspondence you've received from your lender. The letters--and phone calls--probably began once you were 30 days past due. Also review your mortgage documents, which should outline what steps your lender can take. For instance, is there a "power of sale" clause that authorizes the sale of your home to pay off a mortgage after you miss payments?

    Determine the specific foreclosure laws for your state. What's the timeline? Do you have "right of redemption," essentially a grace period in which you can reverse a foreclosure? Are there deficiency judgments that hold you responsible for the difference between what your home sells for and your loan's outstanding balance allowed? Get answers.

    Pick up the phone

    Don't give up because you missed a mortgage payment or two and received a notice of default. Foreclosure isn't a foregone conclusion, but it's heading in that direction if you don't call your lender. Dial the number on your mortgage statement, and ask for the loss mitigation department. You might stay on hold for a while, but don't hang up. Once you do get someone on the line, take notes and record names.

    The next call should be to a foreclosure avoidance counselor approved by the U.S. Department of Housing and Urban Development. One of these counselors can, free of charge, explain your state's foreclosure laws, discuss alternatives to foreclosure, help you organize financial documents, and even represent you in negotiations with your lender. Be wary of unsolicited offers of help, since foreclosure rescue scams are common.

    Be sure to let your lender know that you're working with a counselor. Not only does it demonstrate your resolve, but according to NeighborWorks, homeowners who receive foreclosure counseling are 1.6 times more likely to avoid losing their homes than those who don't. Homeowners who receive loan modifications with the help of a counselor also reduce monthly mortgage payments by $454 more than homeowners who receive a modification without the aid of a counselor.

    Discussing alternatives

    The most attractive option that'll allow you to keep your home is a loan modification that reduces your monthly payment. A modification can entail lowering the interest rate, changing a loan from an adjustable rate to a fixed rate, extending the term of a loan, or eliminating past-due balances. Another option, forbearance, can temporarily suspend payments, though the amount will likely be tacked on to the end of the loan.

    If you're unable to make even reduced payments, and assuming a conventional sale isn't possible, then it may be best to turn your home over to your lender before a foreclosure is completed. Your lender can approve a short sale, in which the proceeds are less than what's still owed on your mortgage. A deed-in-lieu of foreclosure, which amounts to handing over your keys to your lender, is another possibility. The earlier you begin talks with your lender, the more likelihood of success.

    Jerry DeMuth has written about mortgages and other financial issues for more than two decades for trade publications, major newspapers, and consumer magazines. His writing has received four awards and has been included in eight non-fiction books.

    Monday, October 25, 2010

    Smile Through the Pain

    I wonder how many of us are deeply depressed yet put on a happy face day in and day out to keep our families from knowing just how badly we are feeling inside? 

    The past few months being full of suicide/murders has really made me start thinking about how there could be a Co-Worker, a Husband or Wife, Child, Teacher, Preacher, Preachers wife, Sunday School Teacher, Best Friend, Sister, Brother, Uncle, Aunt, Niece or Nephew contemplating ending their own life because they feel hopelessly all alone or at the end of their road. You can be amongst a crowd and feel utterly and totally alone. Many of us believe that depression is not serious but I am here to tell you it is very real and very dangerous. I have experienced in my own family the devastation of what severe depression can do. I pray if anyone is out there battling with this in any form whether mild or severe that you do not feel bad about reaching out to get help. I do not want another person I know or do not know to leave this world way before their time.There are so many things that we might dwell on these days from the loss of a loved one, health issues, divorce, self esteem issues, financial ruin, loss of jobs, foreclosure and I could go on and on. Help us all to be mindful of those around us and not hesitate to reach out a hand to help or an ear just to listen and not ignore the signs that are surely there. Help us to pay attention not caring to mind each others business if we feel in our gut we need to do so. It might just be all the difference in that persons life.

    If anyone out there reads this please understand that God is there waiting with open arms to comfort you and give you peace in the midst of your storm and you have people who love you and want you to get the help and support you need. Never feel so alone that you feel there is no hope and no where to turn. God is there always and so are your friends and family.

    So if you are trying to smile through the pain of depression and feel you need an ear to listen or a helping hand in any way please reach out to a friend or family member right now and get the help you need to remove the dehabilitating effects of depression and be on your road to recovery.
    __________________________________________________________

    Below is an interesting article I found after I wrote the words that were on my heart above. I am not familiar with this author but I do find this article relevant and interesting and have included it in the hopes you might find some benefit from it.

    The Christian and Depression

    By Wayne Jackson

    All of us become discouraged occasionally. That is simply a part of being human. One should not feel that discouragement is intrinsically sinful for it is not. That is evidenced by the fact that even our Lord sometimes became discouraged. For example, the prophet Isaiah represents the coming Messiah as saying, “I have labored in vain, I have spent my strength for nothing and vanity; yet surely the justice due to me is with Jehovah, and my recompense with my God” (Isaiah 49:4).
    One cannot read Psalm 22:6-13 without detecting a note of distress in the Savior’s depiction of humanity’s rejection of Him. And do you not recall the apostle’s comment at the conclusion of Christ’s great, but difficult, discourse on the bread of life — “Upon this many of his disciples went back and walked no more with him” (John 6:66). Subsequently, the Lord longingly asked, “Would you also go away?” or as the Greek text literally suggests, “You won’t leave me too, will you?” The question aches with discouragement.
    The Master’s men were also discouraged from time to time. Following Jesus’ death, and yet before His resurrection, the disciples were distressed, for they believed the Lord’s cause had been buried with His body! Their discouragement, however, was soon to be turned into elation!
    Even the usually vibrant Paul could have fitful moments when reflecting upon how far short he fell of the divine ideal (cf. Romans 7:24). And so, if the Savior and His disciples were not without distress on occasion, surely we cannot expect to be. It is not the fact that one becomes discouraged that is so crucial; rather, it is how he reacts to and handles the distress that is important.

    Discouragement vs. Depression

    Exactly what is discouragement? And how does it relate to what we call “depression”? “Discouragement” might be defined in the following way. Discouragement is a temporary feeling of disappointment or disheartenment, resulting from a disadvantageous turn of events — either physical, material, social, emotional, or spiritual. Note the emphasis upon “temporary.” If one does not address the source of his discouragement, and come to grips with it, his distress may evolve into “depression.”
    By way of contrast, “depression” may be defined as a protracted period of despondency that greatly curtails, or even destroys, one’s ability to function as a healthy and happy person. If depression is not properly and urgently addressed by the Christian, with the solutions to one’s problems being sought in the Word of God (whenever possible), the tragic situation can result in spiritual stagnation, overt apostasy from the faith, and sometimes, even suicide.

    Biblical Cases

    The Bible contains a number of examples of people who lapsed into the state of spiritual terror that may aptly be described as “depression.” Let us briefly reflect upon a few of these cases.
    1. Saul, of Old Testament fame, was a man who started brilliantly as Israel’s first king. He was robust and courageous and hence had the admiration of his subjects. Eventually, though, he imbibed the spirit of disobedience, and so was informed by God’s prophet that the kingdom would ultimately be torn from his grasp. We are told that “the Spirit of Jehovah departed from Saul, and an evil spirit from Jehovah troubled [terrified, ASVfn] him” (1 Samuel 16:14). The latter expression simply means that God allowed Saul to reap the mental consequences of his rebellious disposition. The king was given to fits of prolonged depression wherein he repeatedly attempted to kill David (cf. 18:9ff). Finally, he took his own life!
    2. Judas is another example of a man so immersed in depression as a consequence of his betrayal of the Son of God that he committed suicide (Matthew 27:3-5).
    More on the positive side, consider these cases:
    1. Job’s religious motives were challenged by Satan, and the hateful Deceiver was allowed to inflict the patriarch. Job lost his children, his wealth, and his health, and still he courageously refrained his lips from sinning (Job 1:13-2:10). When, however, his three friends arrived and sat down, mourning for seven days [thus treating him as one already dead!], it was more than the great patriarch could stand, and he lapsed into a state of deep depression. He wished that he had been born dead, or that he might have died at birth (Job 3). Happily, though, eventually he was able to climb out of his distress and, after repentance, was restored to the Lord’s favor.
    2. Similarly, the noble Jeremiah, known as the weeping prophet, because he was so ill-treated by evil Israel, gave way to the pangs of depression and cursed the very day of his birth (Jeremiah 20:14ff). But he too was able to overcome that depth of grief.

    Causes and Cures

    In order to deal with discouragement and/or depression, one must first be able to correctly diagnose the source of his problem. Second, he must be aware of the options available for the remedial solution to his problem, or if there is no immediate solution, he must concentrate his attention upon that Source of strength that will allow him to accept the situation as it is, and even to grow thereby. As noted earlier, the causes of depression may be classified under various headings. Let us give our attention to several of these.
    Let me observe initially, however, that this article is not intended to deal with possible physiological causes of some forms of depression, e.g., neurological or chemical imbalance maladies. Our aim here is to address those categories of depression that have spiritual bases, and thus can be remedied with applications from the Scriptures. And these are far more numerous than many are willing to admit. Unfortunately, many people today are looking for the quick-fix, “pill” solution.
    1. Physical — Let us suppose a man is involved in a terrible car accident and he becomes paralyzed from the neck down. How shall he handle this misfortune? First, he may need to come face-to-face with the fact that he simply cannot change the situation. Second, he could become a self-pitying, depressed recluse and finally waste away. On the other hand, he might summon the courage to be a balanced, productive person, who even by his handicap is able to marvelously glorify God! There are numerous examples in this latter category who have influenced thousands by their courage and determination.

      How should one react if he discovers he has a most serious, possibly fatal, illness? He may, with firm determination, attempt to fight the illness, and perhaps he will win. If he sees that the battle is being lost, he must realistically acknowledge that death eventually claims us all. It is the price we pay for humanity’s involvement in sin (Romans 5:12). But anger, frustration, and depression (though perhaps initially natural) will not remedy the situation. The believer must fortify his spirit with the fact that those who die “in the Lord” are exceedingly blessed (Revelation 14:13), and they will enter a state that is “very far better” (Philippians 1:23).
    2. Material — How should one respond who has suffered a severe financial blow? If the treasury of his heart (cf. Matthew 6:21) has been filled with materialism, he may not be able to handle the losses. When the stock market crashed in 1929, some were so crushed they committed suicide! One who trusts in God for all things might (after a brief emotional adjustment) be constrained to say with Paul, “we brought nothing into the world, for neither can we carry anything out; but having food and covering we shall therewith be content” (1 Timothy 6:7-8). Of course it would not be sinful to vigorously work for the restoration of that which was obtained honorably; hard work is the eraser of “hard luck.” Too, it is possible that one may have to face the fact that he simply will not always be able to live at the high standard to which many have become accustomed. God has never promised economic luxury to His people; only daily sustenance. In any case, depression has never solved a financial woe!
    3. Social — Many a poor soul has descended into the depths of depression when forsaken by a dear friend. Unrequited love has been the undoing of some. How does a young bride-to-be deal with the heartache of being forsaken by her fiancĂ…½ just hours before the wedding ceremony? Of course she will be deeply hurt, but she must recognize several things.

      1. There is One who will never forsake the Christian (cf. Psalm 118:8; 2 Timothy 4:16-17).
      2. The providence of God may be at work; the Lord may have someone better in mind for His young saint.
      3. In spite of this tragedy, in due time it certainly is possible that this person could live a wonderfully happy and fruitful life — even though single.
      The point is this: one must never give in to depression; the human spirit must fight back.
    4. Emotional — How does one cope with the tragic death of a spouse, or a child? Surely such a heart-breaking blow must be almost more than one can bear. True, but these things are a part of the world in which we live, and they will continue to occur whether we learn to deal with them or not! In such dark hours of adversity the child of God may reflect upon several things. First, if the loved one was in a state of innocence (e.g., a child) or was faithful to the Lord, we must not sorrow in the way those without hope do (1 Thessalonians 4:13ff). There is recognition and association beyond death (cf. Genesis 25:8; 2 Samuel 12:23; Matthew 8:11; 17:3ff; Luke 16:9,19ff). Second, even if the deceased died outside of Christ, depression will not bring back that loved one! This is a hard fact that must be faced. Moreover, we can be comforted by the fact that God is aware of our grief (Psalm 56:8; 103:13; 2 Kings 20:5) and He is the God of all comfort (2 Corinthians 1:3), who is able to help us bear the burden (Psalm 55:22). Finally, all of our heartaches will be removed in heaven (Revelation 21:4). We must thus take courage and bear up!
    5. Spiritual — Much of our discouragement/depression is the consequence of our guilt, resulting from sinful conduct or the neglect of spiritual responsibility. This was the problem of Saul and Judas mentioned earlier. Some charge that preachers are always trying to make people feel guilty. The fact is, it is the responsibility of God’s preaching servants to proclaim the truth — in a loving manner, yes; but forcefully nonetheless. If that burdens some with guilt, so be it. There is a way to take care of that — repent of sin!

      The psalmist described pointedly the grief that can attend the guilty conscience. Listen to him:


      “Have mercy upon me, O Jehovah; for I am withered away: O Jehovah, heal me; for my bones are troubled. My soul also is sore troubled ? I am weary with my groaning; every night make I my bed to swim; I water my couch with my tears. My eyes waste away because of my grief” (Psalm 6:2-7).
      The weary soul who is laboring under the intolerable weight of a guilty conscience has a way out. He can repent of his evil (which demands undoing that wrong, as much as humanly possible) and solicit Jehovah’s forgiveness. The person who is not a Christian may submit to the Lord’s saving plan and receive remission of sins (Acts 2:38), being assured that his evil has been blotted out (Acts 3:19,) and hence remembered no more by the Creator (Hebrews 8:12). The unfaithful child of God may repent and pray, and thus have the same assurance. It is true that the consequences of sin may extract a severe price for years to come [an adulterous relationship may have to be severed; imprisonment may be required for a crime committed], but with God’s help, such a life need not be enslaved by overwhelming depression.

    Concluding Counsel

    If one is to learn how to conquer, or at least control, depression, there are certain attitudes he must learn to identify and avoid — attitudes that have a tendency to nurture the moods in which depression can flourish. Let me mention a few of these matters in brief.
    1. Too many of us are, to a degree, self-centered. We are constantly wondering why someone did not speak to us, or we are aggravated because our needs are not being addressed by the church. The truth is, if many would get busy with the needs of others, they would not have the time for preoccupation with personal problems. Remember this, even from the cross the Savior was thinking of others!
    2. What we constantly think about, we tend to become (cf. Proverbs 23:7; Mark 7:21-23). Those who focus almost continuously upon the negative — how bad I feel, how hard I have it, woe is me! — tend to dredge themselves deeper into depression. We must learn to concentrate upon more positive things, to count our blessings. Pleasant thoughts and words are “sweet to the soul and health to the bones” (Proverbs 16:24).
    3. A preoccupation with the trivial along with a corresponding lack of spiritual activity, can create a void in one’s life that allows depression to move in. An idle mind and life truly are the devil’s workshop.
    4. Sometimes those who are depressed have a tendency to seek out the companionship of others with similar problems. These persons thus feed upon one another’s distresses, and actually end up destroying each other. When you are troubled, associate with those who can build you up.
    5. Do not be intimidated by the opinions of your critics. You can never live up to the expectations of some people, and you will be under a constant strain if you try. Simply attempt to please God and be aware of the fact He understands your frailties and He will lovingly bear with you as you grow.
    6. Do not expect instant, magical solutions to your problems. God is not going to perform miracles and make your life on earth a present “heaven.” By following the instructions of the Scriptures, be patient and work to solve your difficulties.
    7. Finally, one must leave the unsolvable to God. Trust Him no matter what. Learn to be content no matter how dire your conditions are (Philippians 4:11-13). Recognize the fact that tranquility of mind does not depend upon the external, but upon the internal.
    For his own wellbeing, and to enhance his service to others, the Christian must learn to control his stress. The life of trust is not one of continual fretfulness. With a serene confidence, therefore, let us show the world the true joy of Christianity.

    About the Author

    Wayne Jackson has written for and edited the Christian Courier since its inception in 1965. He has also written several books on a variety of biblical topics including The Bible and Science, Creation, Evolution, and the Age of the Earth, The Bible on Trial, and a number of commentaries. He lives in Stockton, California with his dear wife and life-long partner, Betty.

    Saturday, October 23, 2010

    Diabetes gone in 3 months!

    I had the opportunity to visit Hallelujah Acres Cafe in Shelby NC for lunch today. I was skeptical as I was not sure how the food would taste being an all vegetarian meal but I was wonderfully and pleasantly surprised. Patrick and I ordered the Black Bean Burger with seasoned potatoes and a wonderful White Sauce Spinach, Onion, Mushroom and Sun Dried Tomato Pizza both of which were absolutely delicious. It was very flavorful and filling and not at all what I imagined it might be. I am not saying I will be able to go all "vegan" as my southern roots of home cooking are in my very being and I love my coffee shops BUT I can tell you that when I add all natural foods to my diet and lay off the sugar alone I feel much better. I am a firm believer that most all of our health problems are from what we eat and drink and the chemicals that we inhale and consume on an every day basis. I also have been battling fibromyalgia which I never had a problem with before and there are a few things that I have done completely different that I did before which I believe have contributed to my pain. I have started drinking way too much coffee and allowed too many "white" products including sugar into my diet which has greatly diminished my energy levels as well as caused me to gain weight. 

    Find attached a link to a great article I think is interesting!  Many people nationwide have been cured of all types of ailments including diabetes on this diet. I hope you may take some or all of the information and apply it to your own diets if you are feeling the need to make changes as I am in order to feel better.

    Have a great evening!

    Diabetes gone in 3 months!

    http://healthtip.hacres.com/index.php/2009/12/25/299/

    Thursday, October 21, 2010

    Come See What We Have To Offer!

    Good Morning to everyone on this Thursday morning! The weekend is almost here! I pray each of you have an absolutely awesome productive day and that you are planning something special with a special someone in your life for the weekend!

    It is about that time to take a drive to see the leaves and/or you might choose to hike down many of our walking trails all over our area. We have so many places to visit and explore that it is hard to imagine living anywhere else! We have the best of all worlds in the fact that we have plenty of places to enjoy God's natural beauty with the mountains, rolling landscapes, waterfalls, parks, historic sights as well as anything and everything for the art lovers! We are just a short drive from popular Caesar's Head, Lake Lure, Chimney Rock,surrounded by many lakes to enjoy such as Lake Bowen, Lake Cooley, Lake Blalock, Lake Robinson, Lake Lyman and I could go on and on!  The tremendous opportunities between downtown Greenville and Spartanburg to include top notch restuarants, gorgeous parks and scenic waterfalls with walking trails all over the downtown areas are a must see. Even the town of Duncan has a very popular water park and Greer has a wonderful park to enjoy for special events, picnicing, and many new restuarants to try out! The town of Inman has an absolutely awesome coffee shop called GG's you must try. She sells more than coffee so plan on having one of her smoothies or milkshakes or pop in for lunch!  The Rivera in downtown Greer sells awesome burgers but there are many other restuarants to try out in this quaint town! In downtown Greenville alone there is no lack of gorgeous scenery, walking trails, waterfalls, art, music, drama, shopping, coffee shops, restuarants, and if you are looking for something for the family without the "bar" atmosphere you can enjoy great live music, food or just have coffee. This is a great family alternative with excellent choices on the menu as well as a full service coffee bar right on Main St. It is called Grill 33 At The Channel. We also love the Overlook Grill where you can sit and enjoy a meal overlooking the lovely gardens and Falls Park on the Reedy River! There are so many choices for dining in downtown Greenville it might take you a good while to decide! If you are on a budget why not pack a picnic and pack up a blanket and head down to Falls Park to take in God's natural beauty while enjoying your meal. It just makes everything taste better when the atmosphere is great too! You don't have to spend alot of money to have a great time! 

    These were just some thoughts on some things you might experience with your friends and family. It is so important to make time for those we love! If you all have any additional ideas or places to tell me about I would love to hear from you! I am always looking for a new experience so please do not hesitate to respond.

     If you have any questions about anything I mentioned above please do not hesitate to contact me!
    __________________________________________


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    Wednesday, October 20, 2010

    Encourage DON'T Discourage!

    I got a late start on my blog today but I wanted to just say a few words about how all of us are being watched by our spouses or boyfriend/girlfriend, children, co-workers, biological and church families and so on. They are watching our lives and whether we want to admit it or not we are either making a difference in their lives for good or we are a hindrance in their lives for evil.


    If you really stop and think about it we are affected greatly by the people around us. One word of criticism can send some of us into a depression for days as we dwell on what was said completely forgetting about any good we have accomplished yet one word of praise or encouragment puts us on cloud nine for a couple of weeks!  THINK ABOUT THAT! One word of encouragement can make your day. If it can make your day think about how many folks out there need that one word of encouragement just to make it through their day as well.


    My challenge to all of us is to remember each and every day to be an ENCOURAGEMENT making it a point to do everything possible to make others lives easier. We all know how complicated and stressful life in general is anyway so why not ask God to help us be the change that we want to see in our world and live so others welcome us with open arms knowing we care instead of wanting to dodge us because they know our words instead of being seasoned with grace will be filled with criticism and discouragment.


    So let's all be an encouragement today and every day! God bless you all the way you bless my life!
    _____________________________________
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    Tuesday, October 19, 2010

    Listen Don't Talk!

    Well here we are! Another cool Tuesday morning and I am not believing it is October 19th! As you get older the days just seem to fly by faster and faster.

    Today I had a thought about how all of us including myself may like to talk too much instead of listen to those around us. It is extremely hard for me to be still even for a few moments. You can ask anyone who knows me as generally the whole time I am trying to be still I have to be moving so you will either see my hands or feet in continual movement or you may see me bouncing. :)  I have always been a bit on the hyper side I suppose and I may come across as someone who might not care to stop and take the time to listen to someone who just needs a shoulder to cry on, a bit of advice or just some one on one time. I do not want to come across this way as my heart does care and I truly want to be there for anyone who might have a need of any kind.

     God expects us to bear one another's burdens. He expects us to be there for each other helping each other through the good and the bad times. We all get so caught up in the day to day existence of living that we become happy with our " four and no more" mentalities. We become complacent and too ready to ignore those in need which in the end has proven to hurt all of us. Think about all of the ways we could have helped someone had we not been too busy to notice. Those who are going through the loss of a job, depression, bitterness, anger, resentment, loss of a loved one, those affected by abuses of many kinds, those facing financial ruin, loneliness and hunger are just a very few problems and concerns those around us are facing.

    Would it really hurt any of us to start paying attention more to those hurting souls?  I know from personal experience that the more I concentrate on the needs of others the less I concentrate on my own problems. We all have many problems of our own but help us all to try our best to remember that the way to have joy, peace, happiness and contentment in our hearts is through service to others.

    Praying a wonderful week ahead for you in our service to each other.
    _______________________________________

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    Saturday, October 16, 2010

    In Memory Of

    Happy Saturday to everyone! I hope you are having a wonderful weekend! I walked all over downtown Greenville last night. It was so nice and cool and shockingly quiet after the previous Fall for Greenville festivities. It was a nice change. I enjoyed sitting in the swing and just watching the geese, ducks and cranes. I saw up close for the first time in person a crane catch his dinner. I guess you call them cranes? Anyway, I had a wonderful time with my husband, the most adorable special man in the world! I love you Patrick Dempsey!

    This morning I wanted to remember those who have lost dear loved ones in the past few weeks. I am so encouraged and blessed by those who take it upon themselves to be a constant source of prayer and encouragement for those who are in bereavement or are suffering from any other problem or worry. From car accidents to dear ones who lost their little babies it just seems we have been saturated with disturbing bad news. I have been particularly impressed with many church families and others who have shown great care and concern in overwhelming numbers offering words of encouragement and putting their words into action. Loved ones have asked Jesus to be their Lord and Saviour while others have decided they want more of what these dear folks have;  an "AGAPE" love....the kind of the love that transcends all other types of love. May we all desire to be more like Him with an unconditional love and be the change that we all want to see in this world.

    The outpouring of love has been an inspiring tribute to those who went to be with Jesus. It is a reminder to us all that we have no promise of tomorrow and our lives are but a vapor ...here today....gone tomorrow. Let us all continue to be there for each other through our burdens and trials. Help us all to remember that we are here for a purpose and we should be active in our mission. We can all make a difference one person at a time.

    In memory of all those who have gone on to be with Him and remembering all of you who have lost their dear loved ones; may God be with you giving you strength, peace and comfort knowing that they are in the presence of Jesus safe in His care.

    ____________________________________

    Deal of the Day!  Duplexes in Spartanburg SC  100 % Occupancy! Excellent Investment!
    Go to http://www.lisaebersole.com  click on My listings and then on Multi-Family!  2 units on Red Wine Ct and 2 units on Hidden Hill Rd. A total of 8 individual rental units. 4 buildings. Owner says make an offer. Due to health issues is needing to sell!

    Thursday, October 14, 2010

    Forgive and let go!

    Happy Thursday to everyone! The weekends is almost here! I am still excited about the miners being rescued yesterday and amazed at how God worked through so many people to accomplish His will. Many lessons can be learned by this unprecedented experience. I pray health both emotionally and physically for all of them.

    Do you ever find yourself dwelling on your past mistakes? I will have to be the first to say that even though it has gotten better I fight daily the mistakes I have made and quite often hear the devil whispering in my ear trying to steal my joy making me feel as though I have no right to speak at all.  I was raised very strict most of my life and was taught that appearances were everything. I lived by a very stringent set of rules and if you did not walk the line there would be severe consequences. I found myself, after suffering physical and mental abuses early in my life, seathing in bitterness and anger and was determined to make changes in my life. I was never allowed to "date" (There were a couple of occasions when in high school I was allowed to go to Jr-Sr Banquets etc... but those were few and far between.) yet I was allowed to work many long hours which is where I met the man who very soon became my husband.  He is the father of my three children. I will not go into the details of how all that happened but the truth is at only 18 years old I married a man 33 years of age. Needless to say I broke my parents hearts but I was taught when you make your bed you lay in it and for 22 years I did what was expected of me. I did not allow myself the realization that he too abused me. I was a good wife, homeschooled my children most of their lives, played piano for the church, taught classes, was involved in many catering events, helped with youth chaperoning trips, prepared food for many functions and I could go on and on. I threw myself into doing constantly but underneath all of that "happy" exterior was someone who never dealt with the abuses she had suffered as that was taboo back in those days. You did not talk about abuse of any kind and many times I witnessed abuse in the church being swept under the rug. Let's all just be quiet and it will go away. Years and years later when I finally came to realize that I was living in misery ( I did not believe in divorce) I knew I had to do something that would make a living for myself and my children and that is how I got into real estate. I knew I had to have something that would bring in enough income to support my children as I never once received a dime in child support. During the period when deciding to leave my husband and also trying to deal with flashbacks from abuses I had suffered I began to do things that I would never have normally done ever. I am ashamed at some of the things I allowed to go on in my life for a period of a couple of years but unfortunately for me I had to go through them to get to where I am today. The bitterness and anger showed up in ways that are totally unacceptable yet at the time I was a completely different person. I allowed the past to eat away at me. I allowed my failed marriage, the past abuses and mistreatment by church members and clergy to eat away at me until I almost walked away entirely from the church.

     I said all of the above to give you a glimpse into my life as who I was for that brief time is not who I am today and that God is a God of forgiveness, grace and mercy. I am thankful to God for giving me the strength to do this and through my mistakes and failures He has been gracious and loving allowing me time to heal, grow and forgive others. Not one of us is free of problems, mistakes and failures. I want to encourage someone else who is out there fighting a battle I may know nothing of  to never give up! Allow God to love you and put His arms around you giving you comfort. Remember that looking to man will only bring you down as we are all just sinners but looking to God will give you much peace, joy and happiness.

    If there is anyone out there who is in need of help today my prayer is that you will allow God total access to your heart. He is waiting with arms wide open to comfort and guide you through this thing we call life!
    _____________________________
    Deal of the Day!  Gorgeous 2052  SF home on level lot! Fenced backyard! Open concept home! Only  $84900!

    http://lisaebersole.com/index.cfm/fuseaction/realestate.property_detail/propertyid/7CC5547A-558C-45C9-B674F62920E7DFEF

    Wednesday, October 13, 2010

    Rescuing The Miners!

    Good Wednesday morning to all of you! The colors are getting more and more vivid as I look out into my backyard. The water is sparkling with the sun shining on a vast array of colors. Vivid yellows, reds, greens and all shades in between make for an interesting display on this cool morning. I pray as we have approached midweek you have accomplished at least most of what you wanted to!

    I am especially touched today by watching the amazing rescue of the miners in Chili. What a spectacular ongoing rescue and what an awesome opportunity for us all to reflect on and appreciate the value of our lives. At times like these we can all come together without bias, prejudice, party affiliations or political differences and come together with love wishing only the best for these dear miners and their families. I cannot believe they have been there almost 70 days. The coordinated efforts of all involved was amazing and to be commended and we all could learn a huge lesson from this. What an amazing story this is as from what I understand noone has ever lived underground that long.

    To see these dear ones giving out souvenirs and thanking God is so inspirational and touching. It has been so refreshing to watch everyone come together praying and supporting these dear people. I can only imagine all the emotions they are feeling. I pray for the miners and their families as I am sure there will be emotional and physical issues to deal with from such an ordeal. May God give them strength and heal them completely.

    Using this example above it made me think how wonderful it would be if we all took this same philosophy putting aside any and all differences for the greater good. What an awesome difference it would make it our world. What a completely different place we would live in when we all come together with sincere concern and love caring only for the needs of others. It would be a great thing if our elected officials and all of us who are politically active would learn from this and lose the egos, the desire for power and glory and the need for greed and instead purpose in our hearts to stop the fighting, bickering, backbiting and out right lies during campaigns and instead once again take on the attitude of being a servant to the people.

    My prayer is that all of us realize that the only way to solve our problems is through communication and love. This may seem simplistic but when we have our hearts right doing things for the right reasons miracles happen. I am a firm believer that is only takes a few with the right motives to make the changes we would like to see happen.

    As in the case of the rescue of these dear miners the determination of those involved is quite admirable and to be commended and I just wanted to say thank you. May God bless each and every person who was involved in this rescue and every friend and family member who prayed for their rescue.

    Have a wonderful day!
    __________________________________________

    DEAL OF THE DAY!  323 Hillcove Pt Wellford SC  29385   WATERFRONT Beauty!  Owner says bring all offers. This is TOO much house for them as they are retired. Please bring offers. One of the biggest lake lots you will find!

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    Tuesday, October 12, 2010

    Superficiality

    Tuesday and sunny! Seems we have had strange weather all year. It went from Winter directly into Summer and still seems that way. I am not complaining as I love the warm weather. It seems unusually warm for this time of year but cooler days ahead this week I believe. I pray everyone enjoys this week taking the time to get outside to get some fresh air!

    My thoughts this morning are about how superficial our society as a whole has become and how if we are not careful we allow ourselves to be sucked into the same trap losing out on the real joy of living enjoying deep meaningful relationships.

    Have you ever been the recipient of casual conversation with someone who was talking and you just knew they were not even thinking about you while doing so? Have you ever had someone ask you how you are doing but not even wait to hear your answer? Have you received emails or phone calls from a so called friend just "checking on you" only to realize that they were only wondering why you had not sent them business? Do you have friends who say they are your friend but they are no where to be found when you really need them? Do you have folks in your life who like to degrade and discourage rather than encourage and support you? Do you have business acquaintances who you helped get started in their business because you really considered them a friend and wanted them to succeed only to find out they were all about the business and your friendship was the last thing on their mind? Do those "so called" friends call and check on you when they realize you are struggling with any type of health issue, worried about financial burdens, in bereavement over the loss of a loved one, going through a divorce? Do they reach out to you in a deep meaningful way making you know they are sincere?  I could go on and on. If you have "friends" like this above as I am sure we all have these are all examples of a "SUPERFICIAL" relationship.

     I have been guilty of doing the same thing above in the business of my day to day life and it is so easy to get caught up in this habit but it hurts everyone when we do not stop and think about how we are treating each other. God help us to be an encouragement and not a discouragement in all we do and say. Folks can forget what we say sometimes but they will never forget how we made them feel.  I decided to write about this today because I have experienced first hand on numerous occasions a very deep sadness which brought me to tears over the way I have been treated over the years and how "so called" friends made me feel. I have experienced this both in the business world and in my personal life.

    Help us all to remember to treat others the way we would like to be treated.  Help us never degrade or use sarcasm just because we might not have gotten our way or because that person did not live up to our expectations of what they should be doing. Help us never to be "superficial" and strive to build relationships leaving an imprint on the hearts of those around us lessening the burdens of this already stressful life.

    Help us all to be REAL!
    ____________________________________________
    DEAL OF THE DAY!  155 Waterford Dr Inman SC  29349  WATERFRONT BEAUTY! Seller says bring all offers!
    http://lisaebersole.com/index.cfm/fuseaction/realestate.property_detail/propertyid/1C0BB63B-EB63-4022-B7BE28041A6721A1

    Monday, October 11, 2010

    Keep On Keeping On!

    What a BEAUTIFUL Monday morning! I know! You are saying oh please, is there ever a beautiful Monday morning? The weekend is over and back to the rat race we go. Well, we might as well enjoy the beautiful day regardless of what day it is on. Soon the days will be much colder so let's enjoy these warm fall days just a little longer!

    We have been bombarded this last month with many heartbreaking events. People we all know and love have passed away through all types of illnesses or accidents and it almost just does not seem real. People we know and love and were active in their churches and communities just gone leaving a huge void that noone can fill. The news is full of discouraging words about our economy, loss of jobs and impoverished conditions that unbelievably still exist in our own communities. We are hearing more and more of drive by shootings, robberies, child abuse, sports figures blatantly disobeying the law, teachers abusing their positions violating our children and I could go on and on. How can we all stay positive with so many discouraging things happening all around us?

    I would like to encourage you as a particular church this week totally unawares has encouraged me. A father, husband and son was shockingly taken from us in a car accident this past week in just a split second lives were changed forever. Immediately upon hearing of the accident which happened actually very close to my home I started seeing on Facebook words of encouragement and just an overwhelming outpouring of love and concern from this dear man's church family as well as folks from other churches and from around the area. It was a beautiful thing to see and from what I understand well over a thousand concerned folks were there to say their goodbyes. This man obviously left behind a wonderful testimony and will be missed greatly but the one thing I am confident of is that this church is living out God's will as they are living proof of what God would have us as Christians to be doing for each other. This dear man's family is blessed to have such an outpouring of sincere Christian love and they will need all the support they can get in the days ahead. This same church just went through several other deaths and the same thing happened. What a testimony to a cold world. I was strengthened and encouraged just reading the posts on Facebook and literally felt like I was a part of a Heavenly group of like minded brothers and sisters who appreciate each other and support one another in love.

    If you or anyone you know is hurting today in need of encouragement, suffering from bereavement, pain, disappointments, fear, turmoil and distressed over the cares of this life why not make a difference in that persons life as this dear church family has above and let it all encourage us to keep pressing on realizing that each and every one of us needs each other. We should never give up, never lose hope, never give in to satan's attempts to discourage and hinder us from being a light in a cold world.

    YOU may be the only light someone sees today. BE that light!  THANK YOU to all those who are making a difference in someone's life today.
    _______________________________________

    DEAL OF THE DAY!   104 Cypress Dr Inman SC  29349  ALL BRICK RANCH! Only $ 99900
    Seller says BRING ALL OFFERS!  Move in ready condition!  Go to http://www.lisaebersole.com and click on My Listings then click Residential and you will see the address! 

    Saturday, October 9, 2010

    One Determined Person

    What a beautiful Saturday morning and a most perfect weekend to enjoy all the festivities going on around our communities. Fall For Greenville, Reidville Fall Festival, music shows and more. There are so many things to do this weekend I cannot make up my mind which way to go. Even Tryon NC is planning festivities. I am already smelling that tempting food from all those wonderful restuarants!

    My thoughts this morning are about how we as individuals can make a difference in the lives of others. It is so easy to get discouraged in whatever we are doing feeling as though we do not matter and our existence just is not that important. It is simply not true. That is satans way of keeping you feeling defeated so that you will continue to wallow in self doubt and be less effective in your chosen profession and calling.  There is very little difference between us all except for one difference that makes ALL the difference. ATTITUDE.  Our attitude can be negative or positive...it is our choice. When we make a conscience effort to get up each day and believe that what we do does make a difference...IT DOES! I do not know about you but I do not want to be in that negative crowd who sits waiting and whining on the sidelines of life living their lives full of negativity who have given up on believing in themselves and their effectiveness in this world. Each and every one of us CAN make a difference in our little corner of the world. You may be the world to just one person. Minister to that one person. It will have a snowball effect and pretty soon you will be ministering to that one persons friend and their friend and so on. When those around you see you living a life you believe in they will want to know what you have and want to have what you have. It is contagious. What a thing to catch! A POSITIVE ATTITUDE by ONE DETERMINED PERSON who never gave up. Little things you can do for someone else day by day little by little add up until one day that persons life has been changed for the better. To be a part of helping someone else improve their life if only a tiny bit is worth a concerted effort on your part every single day. It could be that on some days only a smile or a hug is all you can give. Give that smile or a hug! In this life it is easier to make a buck but it is much more worthwhile to make a difference. We have the capacity to love and care for others and that can make all the difference in our lives and the lives of others. Sometimes just a smile on your face can help to make this world a better place. Why not as one person go about your day determined to make a difference. We get too caught up in the big picture thinking the small things do not matter. Those little efforts over time make up big efforts that can make all the difference. What satisfaction and happiness there is in knowing that you touched just even one life by your determination.  It may be you are burdened over a family member....start there. It may be you have seen a co-worker depressed and angry. Make it a point to give her or him something nice to encourage them or ask them to lunch or both. It may be your spouse is feeling defeated over a job loss. Let them know you need them and have enjoyed the special time together and you love them with all your heart. When we start doing the above our own personal problems take a back seat and we find ourselves no longer dwelling on the negative things that like to control us and we feel better emotionally, spiritually and physically.  Everyone wins here. One determined person making a concerted effort to enhance the lives of just one person at a time will benefit your life and the lives of those around you. YES! YOU can make a difference.

    I love the quote.."If you think you are too small to make a difference you have obviously never been in bed with a mosquito!".  Michelle Walker

    What a profound statement. One little mosquito can do alot of irritating in just a very few minutes on one person.  If we took that same principle and instead of irritating each other made it a point of bringing joy to one person every day what an awesome change we would see in not only our own lives but those we have purposed in our heart to help. Make that one determined person YOU!

    Have a wonderful weekend!
    ______________________________________________

    DEAL OF THE DAY!  CUL DE SAC Cutie! IMMACULATE inside and out! Only  121900! Owner must relocate!  NEW LISTING!

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    Friday, October 8, 2010

    Living with Passion

    Do you love God? Do you love your life? Do you love your children, your boyfriend , girlfriend or spouse? Do you love what you do for a living? Do you still enjoy the things you have always loved to do? Do you wake up every day with a passion for life?  If you hesitated on saying yes to any one of the questions above, if they pertain to you, maybe it is time to reevaluate things a bit.  You may find that making adjustments either in attitudes or maybe even a permanent adjustment is required to attain a definite yes to the questions above.
    When we were kids we laughed at everything. We could find joy in almost anything including everyone around us. We had a zest for living each and every day.  If we had a problem with a particular person we took care of it then and there. There was no dwelling and sulking for the next few years while we seethed in bitterness and anger. There was no backbiting and talking about them. We had a fight either verbally or physically and it was over. We were back to being best friends almost instantaneously.  Now I am not condoning fist fights or verbal abuse but I am saying this to make a point that allowing anger and bitterness to fester inside of us instead of nipping it in the bud the minute we have a problem with someone can keep us from having the joy and peace we would love to see in our lives.  Sometimes there are issues in our lives that must be dealt with decisively and many times the problem lies within us with our lack of forgiveness and stubbornness. When we love others in the right way we can also have the right relationship with God.  If we remember that in order to have the right relationship with Him we do not have the choice of wallowing in our misery because we just refuse to give in.  We submit to a higher authority that allows us the capacity to love unconditionally.
    Can you remember finding great joy in the little things such as a warm sunny day, doodle bugs in the sand, staring at the beauty of a rose, baby birds in their nest, lying in the tall grass looking up at the sky and being amazed at the awesome billowing clouds or climbing a tree and being in awe of how spectacular the views were?  Do you remember dreaming about what you would become when you grew up? Did you have a particular passion when you were very young that somehow got lost in all the business and hurry of our every day lives ? One of my passions is piano playing and I used this talent almost all of my life until I started my own real estate business. The fast paced life of trying to build a business for myself and my children quickly engulfed me and before I knew it the thing that I adored and loved so much became a passing and occasional luxury.  Spending time with my family and friends became less and less important as I allowed the constant stress of building a business interfere with special time and moments spent with those I love.  My health has suffered and my relationships suffered as well.  In the last couple of years I have tried very hard to change that trend of being a workaholic to allow much more time for the things I love but I am still working each and every day to remind myself of what is important.  It is a constant work in progress but I intend to keep working on it for my sake and the sake of those I love.  
    Let us all go back to remembering the way we felt when we were kids ; the way we allowed even the little things to thrill and excite us.  Why not remember those incidents and special things that made us smile and try to make those moments happen again for ourselves and our loved ones? My prayer is that we all go out there and live life full of passion and purpose so that we all can say a resounding yes to all of my questions above.
    Make it a great Friday and an awesome weekend hopefully revisiting some of those special memories that made you smile back in the day!
    _____________________________________________
    DEAL OF THE DAY!   2 Homes for sale! Live in one and rent the other! Excellent condition! D-1  Owner says BRING ALL OFFERS!

    Thursday, October 7, 2010

    Those Wrinkles are Where a Smile Has Been!

    Well we are almost to the end of the week! I cannot believe it is already Thursday. What a COOL morning! It is time as usual to bring out those layers. It is freezing in the mornings and by lunch time you need to start taking off one layer at a time and then by dinner time you have to put them back on again. The leaves are falling all over my yard so very soon a good bit of yard work will have to take place. The signs of FALL are everywhere!

    I have never seen a smiling face that was not beautiful. I was thinking that if we all got up each and every morning determined to put a smile on our faces instead of a frown and that we purposely decided that each and every person we meet would see us smiling at them instead of frowning or ignoring them what a happy and contented place we would make for each other. A smile has the power to lessen our pain, suffering, aggravations, worries and stresses. A smile can brighten the darkest day. It costs nothing but gives so much and the memory of it can last forever. Some of us are too tired to give a smile. That is when it is up to the rest of us to make a point of giving that person who is too tired one of our smiles as none needs a smile so much as someone who feels they have no more to give. There are so many worries in this life and many of us just feel we cannot go another day. 

     A smile creates a chain reaction and causes others to start smiling too! I like to think that all of our wrinkles are from all the smiles we have given out over the years and how it only makes us more beautiful.  So SMILE at someone or everyone today! YOU may be the only sunshine they experience today!
    __________________________________________________

    DEAL OF THE DAY!  GREER TRANSFORMATION! Owner has done a FACELIFT to this adorable home.  She says BRING ALL OFFERS! Only  $62777

    http://lisaebersole.com/index.cfm/fuseaction/realestate.property_detail/propertyid/D9E39977-7C65-45EC-9CACE6218F991B51

    Wednesday, October 6, 2010

    Lessen The Stress!

    Good Wednesday morning to all of you!  I pray this day holds great joy and peace and that your day is free of stress! If it has already started out full of stress....go do something to relieve that stress!

    Stress is an ugly word these days as it is truly causing many health problems. I am quite sure most of you can tell similar stories of how stress has affected your health and lifestyle. I have been doing real estate for many years and with the ups and downs of this business have developed acute stress syndrome trying to help my customers and clients obtain mortgages, help some through the shortsale and foreclosure processes, playing mediator in divorce situations while trying to sell their home, trying to calm buyer and sellers not working together but instead choosing to be combative every step of the way to closing and much more. Don't get me wrong! I love real estate. It is almost always "a person" that causes the problems. When you are dealing with respectful people, which most of mine have been, the process is joyful and happy. There may be a few kinks in the road but overall the process goes smoothly.There are those times (exceptions) when you have a buyer,seller, agent or lender who are just obstinate in general making the whole entire process miserable for everyone involved. These types of folks in my opinion are what I call toxic and should never be dealt with again. There is never a reason why anyone should treat another human disrespectfully resorting to yelling and screaming, being snapped at or degraded and those who do have totally lost my respect. I believe God would have us all treat each other the way we would like to be treated. With that said I do not have the right to disrespect you. We can agree to disagree without ever raising our voices.

    I have had numerous potential buyers calling me on my listings and ask me to help them get preapproved. This past couple of years have been particularly tough with many of them unable to obtain financing. I give them a couple of names and numbers so they can obtain quotes. Many times I have received phone calls from those potential buyers over the years that the mortgage lender had been downright rude to them leaving them feeling degraded and angry. This has been another stresser for me over the years that I am having to free myself from in order to relieve the stress in my life as well as for my clients. No longer will I refer a lender who does not treat all potential buyers the same. I have built my business on this principle and I will never change as those wonderful people have referred many other people to me and for that I will always be grateful and thankful. We were ALL first time home buyers at one time and most do not know how the process works and it is up to the professionals to inform and instruct with kindness and respect. Any mortgage lender who disrespects or dismisses someone will not be on my recommended list.  Just as I said above we do not have the right to disrespect one another. I am a firm believer that many times mortgage lenders and we as Realtors start to think much higher of ourselves than we ought to forgetting how we got started and who helped them along the way. When that happens it is time to start looking elsewhere for your lending and Realtor needs.

    With all of the changes in our industry to include regulations and procedures, toughened lending practices, job losses and lack of training where our credit is concerned I have found that one has to work three times as hard for less money and my stress level has tripled over the last couple of years. Regardless of what the media would have you believe obtaining a mortgage is very difficult these days and one can expect to be interrogated to the point of exasperation. Every (i) will be dotted and every (t) will be crossed. Get ready to be asked numerous questions that never were a concern before. Those days of being able to just walk in and get approved are gone. Lenders are much more strict than ever before and one can expect to jump through hoops to obtain a mortgage. Either comply with the lenders requests or look elsewhere for your funds to purchase a home.

     It is really too bad that we are not taught in school how to manage our finances. Many first time home buyers do not realize that having no funds saved will set them up for a future foreclosure if they are not careful. Bad lending practices with high closing costs and outrageous fees charged were the norm and many unsuspecting buyers were hooked line and sinker. They do not take into consideration the utility bills, taxes and insurance, home repairs and maintenance issues that could arise after the closing. I have seen over the years dozens and dozens of folks go through foreclosure simply because of this one problem. Lack of preparedness can wreak havoc on your life. Allowing emotion to set in when searching for a home is not wise. The very best advice for anyone who wants to purchase a home would be to plan ahead.

    There are a few things you can do to help assure a much smoother time with your lender and help you to go forward confidently with your purchase. Make sure you have been on your job for at least 2 years, you can provide your last 2 years tax returns, you have some money saved, you can prove a 2 year rental history and you have no negative collections, judgments or tax liens on your credit. Planning this ahead of time will make the lending process go much smoother and you will have to put up with much less questioning. When you do not have a strong credit porfolio the lenders are much more likely to critique every detail. If all they have to go on is negative credit, weak job and rental history they must ask many more questions and these days it is unlikely you would be approved at all with all negative history.  Building your credit score is crucial to obtaining the very best interest rate so that your payments will be much lower. Having a negative credit score especially below 620 will cause you to pay thousands more over the life of the loan when if you took the time to plan and built your score to at least a 680 or above you would not be facing these problems. The higher your score the lower your interest rate.

    Planning ahead makes all the difference when you are in the market for a home. Start today making the necessary changes so that you can have a stress free experience when going through the purchasing process.

    Make it a wonderful STRESS FREE day everyone!
    ___________________________________________

    DEAL OF THE DAY!   MOORE BEAUTY!  Over 1800 SF  4/2 GREAT location!

    http://lisaebersole.com/index.cfm/fuseaction/realestate.property_detail/propertyid/576675CF-0BFB-49AC-A96105EA3A91893D

    Tuesday, October 5, 2010

    Where Did Thanksgiving Go?

    I hope everyone is doing well on this very COOL CRISP CLEAR morning! I certainly am not ready for the cool weather and I am about to drag out my turtlenecks, warm up sets, boots and socks! I am sitting here shivering.

    I have been out looking for "Thanksgiving" decorations and such and have been appalled at how little there is out there to choose from yet there are isles and isles full of Halloween paraphanalia. It seems like Thanksgiving is being skipped over and you can find anything and everything regarding Halloween and secular Christmas decorations. I realize it is all about the money and retailers need to encourage us to spend spend spend.  It is quite disturbing that we as a nation have allowed this most important holiday to almost completely be skipped over and replaced by secular and pagan teachings. We are so caught up in the costumes, candy, parties, and meeting the gift expectations of others that we lose sight of what is truly important. I know that most of us celebrate halloween are just having fun and enjoying the excitement of the season and I am not criticizing anyone for celebrating but only reminding us to remember to keep Thanksgiving at the forefront of our thoughts not only during this season but throughout the entire year. We are teaching our children that obtaining more and more and partying for fun is really much more important that meditating on being thankful for God's blessings in our lives. We should be doing everything we can to instill in our families an attitude of gratitude for all that He has allowed us to have, be and accomplish for without Him we can do nothing.  When we lose sight of this we are all headed for serious trouble. We live in a society of must have now and it has affected all of us greatly. 

    As time has passed I have noticed that Thanksgiving has taken a back seat in society and I wonder if it is because Thanksgiving was started and based on the Christian faith? Religious freedom was there goal, the privilege to worship as they felt led by God.  Have we not seen our religious freedoms more and more under attack by even those who lead us? When we study the history of how Thanksgiving began and realize the enormous bravery of those who came before us we must realize that our religious freedoms are being taken away little by little by little. My prayer is that we all "wake up" and refuse to allow this to happen and make it a point every single day to stop and say "THANK YOU GOD" for your blessings in my life and with a prayerful heart ask God to intervene in keeping our freedoms we have come to love and enjoy intact.

    Have a wonderful Tuesday!
    _____________________________________________
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    Monday, October 4, 2010

    A Little Is Enough!

    Good Monday morning to all of you! I hope this week is fulfilling and that you are filled with God's peace and joy!

    Do you ever feel ashamed at not being content with the things that we have already been blessed with?  Do you constantly want more allowing your mind to dwell on what you don't have or what you wish you had that someone else has? Someone dear to me brought this to my attention just in a passing comment and I have been thinking about it all weekend. We truly do get caught up in the way the world thinks with a buy more, spend more, do more mentality which of course we all know is designed and set up just so we will give more of our hard earned money to them. Do you think that this world cares whether or not we are wasting our money on things most likely we don't need or will use and in many cases will just sit in the closet and accumulate dust? I was thinking about how many things I have that actually still have the tags on them that I never used and felt ashamed that I still had those things in my closet when I could have given those away to someone else who actually needed them.  I have so many pairs of black pants and shoes that I feel I could supply a store myself. I allow myself sometimes to dwell on what I do not have or what I would like to do but feel I cannot and then I have to do a reality check. I should be thanking God for all of His blessings in my life to include all of the "things" that He has so graciously allowed me and apologize profusely for not using the bounty that God has provided to help others who could actually benefit greatly from them. 

    Help us all to pay attention to the needs of others and less to what we want because what we want may not be what we need! Help us all to be truly thankful for each and every blessing from above and not take them for granted not even for a second. Help us to take those things that we have been blessed with and share with those around us for in so doing we are sharing our faith allowing others to see Jesus in us. 

    I pray our week is filled with God's blessings as we remember to praise Him for all He has done and bless all those around us so they too can see God's blessings and feel His love!
    _______________________________________

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    Sunday, October 3, 2010

    It's All In The Attitude!

    Attitude is everything! We can either get up and decide to have a good day or right from the start we can make the day miserable. How many of us ruin our day to day lives with constant dwelling on the negative leaving little to no room for the positive. It saps us of our joy keeping us from being all we can be and it is a terrible example to our children and how they also will perceive the world and their reactions to troubles and trials. Yes, attitude is everything. It is how you deal with what life brings you that makes all the difference. How we think about our problems is always more important than the problem itself and thinking positively is key as we are defined by our attitudes. Having a positive spirit is associated with happiness and success! Optimism is the belief that everything is beautiful even the ugliness and that is a hard pill to swallow sometimes BUT if you stop and think about it we do speak what happens in our lives. We can speak success or we can speak failure and if we keep talking long enough about the failures we will become exactly what we are dwelling on. It behooves us all to decide every single day to deliberately do the attitude check and harness the overwhelming desire to allow negativity to seep in and zap us of our joy . Attitude is everything and it can control your life for the good or the bad. The state of our lives is the direct result of the state of our attitudes!
    ____________________________________________________


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    Friday, October 1, 2010

    Yesterday and Tomorrow! Let it go!

    There are two days that many of us seem to be consumed with on a regular basis.Yesterday and tomorrow. Being consumed with these two days robs us of being all we can be for ourselves and those around us. I know this is a tall order as we are living in worrisome times but I believe we need to teach our children and those around us to look to a higher power to take care of all the worries of this life. It is extremely difficult as I like others suffer from mistakes of the past and think about the"what ifs" of the future. Of course we cannot bury our heads in the sand but we also can and must trust that God will take care of the fear and apprehension we carry through our lives. If we do not practice living one day at a time we overlook the opportunities all around us today being so consumed by things we have no control over at all.

    One of the days we should not be worried about is YESTERDAY
    with its mistakes, cares, concerns and worries.
    Its faults and failures. Its aches and pains.
Its regrets. 
    Yesterday has passed forever beyond our control.
    There is nothing we can do to change or bring back yesterday.
    No amount of money or action on our part
    can bring back yesterday. 
    We cannot undo a single act we performed.

    We cannot erase a single word we said.
    Yesterday is gone.

    The other day we should not worry about is TOMORROW,

    with its possible adversities, poor performance,
    its problems, pain, suffering, tragedy and loss.

    Tomorrow is also beyond our immediate control.

    Tomorrow's Sun will rise, either in beauty and splendor or
    behind a mask of clouds, but it will rise.

    Until it does, we have no need to worry about the things of tomorrow.
    Only God knows the future and every detail of it is in His capable hands.

    This just leaves only one day . . . TODAY.

    Any person can fight the battles of just one day.

    Each of us has the ability to make it just one more day.
    It is only when you and I add the burdens of those two awful eternity's, yesterday and tomorrow, that we break down.

    It is not the experience of today that drives people mad.

    It is the remorse or bitterness for something which happened yesterday

    and the dread of what tomorrow may bring.
    We have no control over yesterday or tomorrow so let us take care of today.

    Let us all live one day at a time. Help us all to trust God with yesterday and tomorrow and ask His help in making it through just one more day so that we can be joyful, fulfilled, happy and at peace!

    Have a joyous and blessed day as well as a wonderful weekend!
    ____________________________________
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