Phoenix REO Real Estate Agents Could Have Tough Road Ahead

My how things change. They say what goes up must come down. That is what they say. If this statement is true for any industry it?s real estate. It is called a real estate market for a reason. In 2004 there was the refi market, 2005 was the investor market, 2006 thru 2012 were the REO market and 2007 to oh let?s say 2016 is the short sale market.

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I was a title rep in Phoenix. My job is to get REALTORS, Investors, Builders, Buyers, Sellers, FSBO?s to use my Gilbert title company over one of the other 60+ in the Phoenix Metro area. I go where the business is. In 2004 the business was with banks and mortgage brokers, in 2005 the business was with REALTORS and Builders, in 2006 ? 2012 the business was with Banks and REO Real Estate Agents.

I go where the business is.

I called REO real estate agents here in Phoenix. I called, emailed, facebook chatted, tweeted, I did everything [I could] to get in front of them. My message was simple. I wasn?t looking for business, no ? this was not a one way relationship, I was looking for a trade. The trade: Use my title company and I will help you get ready for the next change in the market. You see marketing had changed considerably from 2005 to 2007. From direct mail to websites, seo, social media, video. From chasing consumers down to having them find you online.

Many REO Real Estate Agents met my trade with disbelief ?this market is going to go on forever!?, another REO real estate agent pulled out a list of the top 250 REALTORS in Maricopa County to show me where he was [thank you for that!]. Others didn?t even return my phone calls.

I tried.

This was a very frustrating time in my title business. For as long as I have been in the title industry, I have been one of the top performers. I built my business on relationships and value. For the 1st time in my career it was not about me or the value that I could provide. Business was being directed and decided by asset managers, REO real estate agents, people that I didn?t know that didn?t know me.

This was a very disheartening time for me. Rather than sit and do nothing I studied marketing. WordPress, Video, SEO, Optimization, Content Creation, What Consumers Want, Search and more.

I found an outlet. Video.

The real estate market has changed again. in 2007 there were over 25,000 REO listings in the Phoenix Metro area. Last year at this time there were over 10,000 REO listing in Metro Phoenix, today there are only 1,500 REO listings. As REO real estate agents, the former kings of the Phoenix real estate market, do everything they can to remain relevant, to remain in business ? calling old databases ? [Hi Bill, Hi, it's me Stephen, I sold you a home back in 2005, how are you? Long time no talk, how is your [CLICK!] I wish many of the REO real estate agents would have taken heed and realized real estate markets do change. You will not be the top dog forever.

I always knew this real estate market would change, but even I did not know it would be this drastic or occur this fast. This is what I said back in 2010.

The market has changed, its not too late. If you are one of the REO agents you have a few choices. You can keep riding this REO train off into the sunset or you can shift your business from REO to Short Sale and Resale. The way you get business has changed. Instead of banks handing you listings you now have to help consumers find you on the Internet. You need to provide value they would look for when they finally have a need to buy or sell. While many of your vendors cannot help you make this change, I can. I can because I made it myself 3 years ago. I don?t walk into real estate offices anymore and ask for business, I don?t cold call or send mass emails, I create content for my ideal client to find me when they have a need. Lawyers Title will teach you HOW with our Phoenix Real Estate Marketing Classes?Do you have a need? I can help. You buy the coffee and I will do the talking.

Source: http://mytitleguy.com/2012/02/reo-real-estate-agents/

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The Best Tips Available For Personal Finance

It?s never too late to put your finances in order. It would be a good thing to do, so at 60 you are prepared rather than never starting at all. Starting to organize your finances can only be good for you.

An easy way to save is to have your bank transfer a set amount from every check into your savings account. If you have some savings for an emergency you will be protected if you lose your job, get sick, get hurt or face a disaster.

You can save both time and money by buying bulk packages of lean protein. If you end up using everything you bought, you could drastically reduce your expenses. Save time and energy by dedicating one day to cooking meals for the week utilizing your bulk meat purchase.

By having a savings account that you deposit into regularly, you will be building financial stability. Socking away money in advance means you have to rely less on credit when disaster strikes. Save as much money as you can, even if it?s not that much every month.

Maintain your income tax records on a daily basis so that you don?t have to locate or compile financial documentation at the last minute. Keep your receipts together, which you can even categorize for ease later. Other documents that you should be sure to save and file in the same place include insurance, sales and bank documents.

When you are going to invest in forex, pay attention to the current trends. It is very vital to constantly stay informed in order to know when to sell high or buy low. Avoid selling on down and upswings. Understand what you are attempting to achieve if you choose to go against the trends.

You need to devise a secure method to dispose of your old financial documents. A high quality shredder is a noteworthy investment for this purpose. You could risk fraud and identity theft if you don?t properly dispose of old files you no longer need. Be thorough and protect yourself financially.

Take the time to categorize your expenses. Divide your expenses between those with a fixed rate and those that vary. Having your expenditures listed will help you to adhere to the budget you create. When you see how much you will need for each expense, it becomes easier to follow a budget.

Look up coupons online: you will be surprised how many businesses use online coupons to promote their products. If you use coupons you can gain some good habits for a good financial position in life.

Avoid investment opportunities that have high fees attached. Most brokers have hefty fees for the services that they render. The fees you incur affect your total returns. You want to stay away from funds that charge a lot for account management as well as brokers that take excessive commissions.

Make sure you get those most out of the flexible spending account. Flexible spending accounts can really save you cash, especially if you have ongoing medical costs or a consistent daycare bill. With a flex spending account, you set aside a certain amount of pretax money, which you can use to pay for needed expenses. However, it is best to consult a tax professional first, as there are usually various stipulations involved.

As noted above, money management has an effect on all aspects of your life. Maximize the positive aspects of your money management by incorporating these tips in your life.

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Source: http://theacousticstage.net/59/the-best-tips-available-for-personal-finance/

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Shell: Nigeria can produce 4M barrels of oil a day

LAGOS, Nigeria (AP) ? Nigeria could produce as much as 4 million barrels of oil a day, but production remains held back by chronic problems with the nation's government and the rampant theft of crude from pipelines, a top official with Royal Dutch Shell PLC said Tuesday.

The speech Tuesday by Shell executive vice president Ian Craig at an oil and gas conference in Nigeria's capital Abuja renews long-running complaints by the multinational firm in Nigeria, where it remains the dominant oil company.

Craig also said that as much as 150,000 barrels of crude a day is being stolen by oil thieves in the Niger Delta despite an amnesty deal for militants there.

"The militancy which crippled onshore production from 2005 to 2009 has abated, but staggering levels of theft and criminality prevail," Craig said in remarks provided to The Associated Press by Shell.

Nigeria, an OPEC member, now pumps out about 2.4 million barrels of oil a day, making it Africa's biggest producer. Production dropped drastically during the militant attacks that targeted pipelines and saw foreign workers kidnapped. A 2009 government-sponsored amnesty program saw many fighters lay down their arms and the violence largely stop.

However, in place of attacks, thefts from pipelines grew drastically, Craig said. The thefts, known locally as bunkering, see thieves using hacksaws and drills to cut into pipelines, where they attach their own spigots to steal the crude. That crude later gets sold into the black market or cooked into crude gasoline or diesel at makeshift refineries that dot the Niger Delta, a maze of creeks and swamps about the size of Portugal.

On one pipeline recently depressurized, Shell found more than "50 bunkering points ... and associated industrial scale illegal refining with major environmental impacts," Craig said.

"The greatest challenge ... is the massive organized oil theft business and the criminality and corruption which it fosters," he said.

The bunkering likely continues because those in power in Nigeria personally benefit from the theft. A U.S. diplomatic cable leaked last year quoted a Nigerian official as saying that politicians, retired admirals and generals and the country's elite all took part.

Meanwhile, Craig said production remains low as the government provides "chronic underfunding" of projects through the state-run Nigerian National Petroleum Corp. That company partners with foreign oil firms working in the nation and remains embroiled in corruption allegations as it has a largely opaque budget. It has delayed payments for projects in the past.

Despite decades as an oil-producing country, Nigeria has a largely impoverished population ? especially in the delta, where pollution remains a huge problem. Anger over that has fueled the region's militancy which remains strong today.

Many activists blame Shell for indirectly fueling the government corruption while allowing the delta to remain polluted. Some environmentalists say as much as 550 million gallons (2.1 billion liters) of oil poured into the delta during Shell's roughly 50 years of production in Nigeria ? a rate roughly comparable to one Exxon Valdez disaster per year. In recent years, Shell has blamed much of the pollution on those stealing crude from its pipelines and militant attacks.

Craig's speech Tuesday did not mention the firm's oil spill at its offshore Bonga facility last year, the worst in Nigeria in more than a decade. That spill saw roughly 40,000 barrels of oil ? or 1.68 million gallons (6.36 million liters) ? pour into the Atlantic Ocean.

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Jon Gambrell can be reached at www.twitter.com/jongambrellAP.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-02-21-AF-Nigeria-Oil/id-59e93d1d4dfa49b5ac3e7dca8ce1612b

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One Major Reason To Be Skeptical Of Mortgage Settlement's New Rules

The New York Times:

Even as government officials prepare to unveil new standards this week for how banks treat millions of Americans facing foreclosure, housing advocates and homeowners are skeptical the rules will be able to do something past efforts have not: provide a beleaguered borrower with one individual to help them navigate the mortgage maze.

Read the whole story: The New York Times

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Source: http://www.huffingtonpost.com/2012/02/20/one-major-reason-to-be-sk_n_1289846.html

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Small Bathroom Remodel Photos ? How to Use Them Properly

Home owners are expected to view the different options of small bathroom remodel photos when they?re doing?bathroom remodels work for their small size bathroom. The photos should provide the guidance and examples for home owners who want to increase the artistic value of their bathroom. They can get small bathroom remodel photos from many resources like magazines or authority sites of home improvement manufactures like?Lowes that commonly provides small bathroom remodel photos gallery.

When home owners are doing?small bathroom remodels work, they have to plan everything carefully. Doing remodeling work for small size bathroom is a bit tricky, due to the limited space. A lot of people often think that they need to spend a fortune when they?re doing bathroom remodeling project. No wonder if people are often reluctant to do any remodeling work for their small size bathroom. However, it doesn?t have to be that way. If they?re able to plan everything ahead, they can change their bathroom look at low cost. The important thing about changing the look is to keep it simple and goes well according to the functional needs of the users. There?s no use of having great looking bathroom that doesn?t serve any use at all. Having small bathroom remodel photos is also important because the photos will provide examples and insight for home owners. They can show the pictures they like to the workers of the remodeling service and the workers can decide whether the pictures will be applicable or not.

Before doing remodeling work for small size bathroom, the home owners should take a close look of their current bathroom and decide what kind of change they want to have. Having small bathroom remodel photos is a good platform before beginning the job. The home owners need to determine the following things;

• If they like the current layout, they only need to change the surface look. Changing surface look is easier and cheaper than doing complete change.
• If they want to replace old appliances with the new ones, they should think whether they?re going to change the plumbing and drainage systems too.
• If they?re going to do complete makeover, they need to plan everything so that they won?t spend lots of money for useless work.

Doing remodeling work shouldn?t be too difficult. Although small size bathroom requires better planning and careful designing, it?s not impossible for home owners to do remodeling work in order to change the style of the bathroom. Home owners can do maximal work in increasing the appearance of the bathroom based on the small bathroom remodel photos.

Source: http://cambridgemomsblog.com/bathroom-remodeling/small-bathroom-remodel-photos-how-to-use-them-properly.html

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Home Improvement | How Plumbing Technology in a Home Works ...

?How to Detect a Leak in Plumbing Systems
The plumbing system consists of many essential components that must be handled with special care to avoid damage to a component and the entire plumbing system. There are a number of things that can cause a problem in the plumbing system which can negatively impact the system and the home. One such problem is a leak in the plumbing system. A leak in the plumbing system is not only an annoying problem, but it can also become quite costly as it can drastically increase the water bill. As well, a...

?A Guide to Finding Emergency Plumbing
Many of us can turn our hand to simple DIY tasks that need doing around the home. But not many of us are competent with emergency plumbing jobs. It is essential to keep the name and telephone number of an emergency plumbing company on the pin board in your kitchen. Small and large businesses will undoubtedly have a reliable plumber who they can call out on a 24 hour basis for any such emergency. A leaking tap can be repaired at your convenience but blocked drainage needs to be sorted out...

?Things to Know When Hiring Any Plumber
Not every home owner is experienced in making all types of repairs around their homes. While some might specialize in some, others are not very versed in any of them. These people have to hire third party companies to handle everything that comes up. Because plumbing issues are such a very common thing, we will now discuss things to look for when hiring a plumber. The most important thing you can expect from any plumbing service is how well they handle emergency plumbing services. With certain...

?Finding the Right Plumber for the Job
Plumbing can be a big issue and if it is something moderate to major, it is probably not advisable for even the most savoy of do it yourselfers to take on. So it is important that you try and find a good plumber that can take care of the problem for you so you can avoid any kind of major damage. If you have never needed a plumber before it might seem like a daunting task to take on and you may not know the best way to find one. It can be a difficult job and a lot of people do not take the time...

?Times to Call in a Plumber and Times it Can Be Avoided
Plumbers can be expensive and many households are trying to cut back spending and watch their budgets. However, there are times when a plumber will be the best choice for solving common issues and others when a simple plunger can do the job just as well. If budget is not an issue, then the plumbing may well be left to a professional every time. Most common problems in a home can be easily solved with a plunger and a very small plumbers snake, which is readily available in a hardware store. A...

?A Look at Common Home Security Complaints
Just about every home owner knows how important a home security can be for not only fighting theft but protecting their families. There are certain cases where the installation and use of a security system is not as smooth and easy as the company who sold it to you would like you to believe. This is why we will take a look at common home security complaints. Don't let anybody fool you. Every major company that sells and installs these units has received consumer complaints. This is why it is...

?What to Look For When Buying a House
When you buy a home, there are some things that you should look for. If you don't do this, you might be responsible for something that could have been fixed or avoided before you bought it. Anything that isn't specified as being fixed before you buy the home you are choosing won't be fixed and you will be left sticking with fixing it. The other thing you have to ensure is that there are things that pass through code inspection. Here we will guide you in a few things when you look at what to...

?Brief Tips on How to Get Cheap Home Insurance
If you own a home then home insurance is going to be absolutely crucial in protecting your most valuable asset against all sorts of dangers that they might face. Of course, when looking for a suitable policy for your home you are never going to want to pay more than you should. There are a number of things that you can do in order to reduce the price of your premiums, so consider these tips on how to achieve this. One of the most obvious things to do would be to simply raise your deductible....

?Are You Shopping For Home Alarm Systems
Shopping for home alarm systems can be a challenge. Many people are considering buying a system because they hear about home invasion reports on the news. They see television commercials depicting burglars breaking into homes and being thwarted by the advertised alarm system. Many people travel for their job and are away from home and they want to feel that their family is safe while they are away so they are thinking of buying an alarm system. Whatever the reason someone wants one, there are...

?Some Basic Tips to Help You Get Cheaper Home Insurance
If you think about it, getting a decent home insurance policy is just as important as purchasing the home itself. The policy will act as financial protection against any losses that you might suffer as a result of all dangers that might cause damage to your home. Without a proper policy you will gain no compensation whatsoever and will therefore find yourself in significant financial distress. When you are out looking for a suitable policy it would be a good idea for you to spend some time...

Source: http://www.bharatbhasha.net/home_improvement.php/343884

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Simple Nutrition Tips to Get You Eating Healthy | New Health and ...

New Health And Fitness.Org - Health Information You Can Use

Nutrition is a vital part of every person?s life. A nutritionally sound diet consists of a balanced variety of nutrient-dense foods and plenty of water, both of which are beneficial to your health. Proper nutrition can be hard if you don?t know the correct foods to eat. Keep reading for some tips that will make it easier to practice proper nutrition.

A common cause of failure when people try to get in shape is lack of motivation, along with a lack of the proper knowledge. There are a lot of different ways to spice up your exercise routine. Following this are some ideas you can try out.

You can easily create tasty and original salads by adding a variety of beans to a simple green salad. Make your salads more appealing by adding different kinds of beans, such as kidney beans, cannelloni beans or garbanzo beans.

It is vital that you attain a good understanding of labels and claims on food packages. Just because a food is labeled as fat-free does not mean that the calorie count is low in it. Always pay attention to the amount of sugar and calories that are in foods; don?t believe advertising claims blindly. It is essential that you pay attention to the nutrition label on the packaging of your food.

Begin each morning by eating fresh fruits or oatmeal. Avoid muffins, donuts and other pastries that include high levels of fat and refined sugars. Choosing healthy foods for breakfast sets the tone for your whole day, helping you to stay alert and focused.

It is common knowledge that consuming lots of protein will lead to muscles and weight gain. However, for most Americans, it isn?t really necessary to consume extra protein because their diets already include an adequate amount.

Bring your children to the grocery store to teach them about healthy food. Take some time to explain the different types of food to them.

When you mix up food and fun in the kitchen, teaching good nutrition can be quite easy! Give your child cookie cutters to cut the healthy food into fun shapes. This is not only fun, but invests the child in the process, making him more likely to enjoy the food. You can also involve your child in making your own trail mix by combining dried fruits and nuts with their favorite whole-grain, low-sugar cereal.

When it comes to taking nutritional supplements, use them wisely. Because vitamins and minerals work together, taking too much of one could cause problems with others. Vitamin B, taken in extremely high doses, will interfere with your health rather than helping it. Unless otherwise directed by your family doctor, only take multivitamins as directed on the label.

Like anything else worth doing, dieting is a big commitment. The process can, however, be broken down into smaller, more manageable steps. Making small changes can help you start to eat more nutritiously and help you establish healthy eating habits over time. In the following article you will receive some great tips to help you move forward with your diet, one step at a time.

Ron Stucky is a great writer and a excellent blogger. Blogging on various topics is the major reason of his success. You can check his articles on Qivana and MLM Success

Source: http://newhealthandfitness.org/2012/02/19/simple-nutrition-tips-to-get-you-eating-healthy/

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