8,000 REASONS TO BUY A HOME!

What you should know about the First-Time Homebuyer Tax Credit.

RELAY FOR LIFE

To benefit the American Cancer Society

Our Team!

Only 18 more hours to go...



Get your pic with Star Wars characters :)


Celebrate the survivors!

The Survivor Walk

The Luminaria

Our goal is to raise $100,000 for this dire cause. The Relay For Life event raised $70,00 towards that goal! If you are interested in helping out, please go to this link:

http://main.acsevents.org/goto/Deerfield.Chamber

Ocean Trust Realty in Founder's Day Parade!

This was the 62nd straight year of celebrating the origins of our hometown, Deerfield Beach. We walked, passed out candy to the kids, walked some more, choked on exhaust fumes, rode the skateboard, handed out balloons, walked some more... It was a spectacular, Chamber of Commerce day and a great time was had by everyone involved!

Real estate - please read (January 3, 2009)

Hello,

I represent a company called Star Position Search & Navigation Solutions,
a company that does what's known as advanced search engine placement.
We reach a Network of over 32 million people who are predominantly US
based. Our Network is entirely opt-in, and the users on our Network allow
us to present them with a preferred choice whenever they are looking for
anything on the top sixteen search engines. (GOOGLE, YAHOO, MSN
and thirteen others.)

I seek one source to send the users on our Network, from the major search
engines, for real estate in Deerfield Beach and surrounding markets.

Please contact me at your earliest convenience. I am in the office
daily from 9:00 AM to 6:00 PM Pacific time.

Best regards,



Kathleen Daigle
Sales Manager, Star Position Search & Navigation Solutions
Phone: 800.481.2979, ext 2003

Friday Morning Monologue

Rough weather in a lot of the country. Ice storms in the Northeast, cold snap in the Midwest. In fact, it was so cold in Chicago, Gov. Blagojevich actually had his hands in his own pockets. Over 300,000 people lost power in the Northeast after ice storms knocked the power out. Hard times here in Flawda too — it almost dipped under 75 degrees today. The weather was so bad in Washington, people were throwing snow shoes at President Bush. They're finding out a lot about the guy who threw the shoes at President Bush. He's reported to be a hothead with poor journalistic skills. No surprise — today he was offered his own show on Fox News. Dubya says he's actually happy about the incident. He says it just proves Iraq has footwear of mass destruction. The President told reporters that the shoe-throwing incident was one of the weirdest moments of his presidency. D ubya said the only thing weirder was the time he got re-elected. I was amazed at how nimble Dubya was. I know he's got a lot of dodging experience from the Vietnam War, but this was pretty slick. Some people are criticizing the Secret Service because the shoe-thrower caught them offguard, and the man was able to throw a second shoe. A spokesman for the Secret Service said, "Sorry, but we were laughing our asses off." The guy who threw the shoes is now a hero in Iraq. They say he's shown the world that Iraqis have no masters, but I think what he really has shown the world is that Iraqis have no aim. A big surprise in last Sunday's morning news — Sen. John McCain says he may not support Sarah Palin if she's around in 2012. Of course the bigger question is, will McCain be around in 2012? Yesterday, Dick Cheney was interviewed by ABC News and he reflected on his eight years in office. Then he turned into a bat and disappeared in a puff of smoke. The economy is killing me. I just got a new American Express card, and as I'm about to sign it, I see a line that says, "Good through Thursday." A report just out says that the economic downturn is even affecting prostitution. If things get any worse, men may be forced to have sex with their wives. That prostitution joke actually was from the Great Depression in the 1930s. That was the joke that got America back on its feet. Adios ameobas!

Henry Gould, Realty Associates

HAPPY HOLIDAYS EVERYONE!

Send your own ElfYourself eCards

The Bailout reaches Deerfield Beach!

This past Wednesday, I was“Locked Up” by the Muscular Dystrophy Association to help raise funds to find treatments and cures for the 43 neuromuscular diseases MDA covers. My “bail” goal is $3,000 and I could really use your help. No amount is too small and EVERY amount brings us closer to finding lifesaving cures.
To make a donation to my bail right now please click on the link below:
https://www.joinmda.org/dbholidaylockup/joe

or to donate with a check, please send a check made out to MDA to:
Muscular Dystrophy Association
1280 SW 36th Avenue, Ste. 303
Pompano Beach, FL 33069
To donate with a credit card by phone, call the MDA office at 954-971-0123

MDA IS HELP
- MDA Summer Camp - Each year MDA supports nearly 90 summer camps across the country. MDA Camp is a magical place where year-round skills are developed and where a child with a disability can just be a kid.
- Clinics - Through some 225 hospital-affiliated clinics, MDA offers quality medical care from doctors, nurses and therapists experienced in dealing with neuromuscular diseases.
- Equipment – MDA provides assistance with purchases and repairs of leg braces, wheelchairs, and communications devices to help our members to enhance mobility and independent living.

MDA IS HOPE
- Research - MDA is the world's largest non-governmental sponsor of research seeking the causes of and effective treatments for neuromuscular diseases, sponsoring some 400 research projects annually.
- Clinical Trials - Clinical trials are experiments conducted to determine the value of a potential treatment, such as a drug, dietary supplement or exercise program.

Are 4.5% rates in sight?

The brain trust in Washington thinks that driving rates down will stimulate a rebound. Read on...
http://www.floridarealtors.org/NewsAndEvents/n1-120408.cfm

WHAT ARE YOU THANKFUL FOR?

This Thanksgiving has really got me thinking about what I am thankful for! As you know being in Real Estate this past 3 years has been a real challenge for me! Many times I have felt like just giving up but it is because of people like you that I have not. I love what I do and feel wonderful when I can help someone. I have always maintained that if I put my customers first I would make it. I have been in this business for 8 years here in Florida and for the first 5 years I worked for developers selling high end custom homes. The money was great and I had a lot of fun but it was not until getting into my own business that I really learned how gratifying my job can be. In June of this year I was contacted by a waitress that I had worked with who was ready to buy her first home. She is in her late forties and has struggled to raise her kids as a single mom. She had no credit and very little money to put down. Joe went to work and got her pre-qualified through a FHA program for $100,000 with only 3% down. Dana our office manager went to work on building her credit off her cell phone bill. The buyer had very specific criteria because she has a dog and needed 2 bedrooms. Our biggest challenge was that there are not many condos that are FHA approved and the budget was limited. I found her exactly what she wanted but it was listed for more than she qualified, I told the owner her story and her budget and a couple of weeks later she called back to say she would accept my buyers offer. She closed on her first home on Sept 3, 2008 and every time I see her she cries. This was the most gratifying sale of my life. For many years I specialized in high end and my biggest sale was 2.4 million which was pretty awesome. However no amount of money can compare to helping someone who was up against such incredible odds. I love my job!!! Thank you all for your support and referrals throughout the years. I would not be here without you! Happy Thanksgiving to you and your family and May God continue to bless us all!!!!

Ocean Trust Realty, LLC
Ginger Allen-VP

FORECLOSURES IN LIMBO

More good news, or is it just smoke and mirrors? Only time will tell...

Fannie, Freddie put foreclosures, evictions on hold for the holidays

GOT CONDO?

If you follow the mainstream media and believe the talking heads, Miami has been destined to be an economic wasteland because of all the unsold condos under development. But is that the reality of the situation? According to this article, there is reason for optimism. Read on...

Miami condos finding buyers

Don't Buy Into The Doom And Gloom!

Even though the media feeds on disastrous news, there IS good news! Year-to-date, we are up more than 250% over last year!! Three out of every four sales are cash deals, which means that prices have come down far enough to get buyers off the fence. In fact, in many cases, the offers our customers are presenting are competing with multiple other offers. The U.S. investor has gotten soured on the stock market and the smart money is coming back to real estate. Yes, there is more pain to come... but there is also reason for optimism and we anticipate a significant increase in traffic and closings in the upcoming season. Remember, what you focus on expands!

Read the attached article from FAR:
Florida’s existing home sales increase in 3Q 2008

Credit Default Swaps - The Bet That Blew Up Wall St

Watch CBS Videos Online

Existing home sales jump, prices sink

The statistics are even better in Florida! Looks like we're turning the corner...

ARE WE AT THE BOTTOM YET?

Interesting dose of perspective from The Niche Report

Could God Get a Mortgage Today?

Ever deal with FHA?

A New Orleans lawyer sought an FHA loan for a client. He was told the loan would be granted if he could prove satisfactory title to a parcel of property being offered as collateral. The title to the property dated back to 1803, which took the lawyer three months to track down.

After sending the information to the FHA, he received the following reply (actual letter): "Upon review of your letter adjoining your client's loan application, we note that the request is supported by an Abstract of Title. While we compliment the able manner in which you have prepared and presented the application, we must point out that you have only cleared title to the proposed collateral back to 1803. Before final approval can be accorded, it will be necessary to clear the title back to its origin."

Annoyed, the lawyer responded as follows (actual letter):"Your letter regarding title in Case No. 189156 has been received. I note that you wish to have title extended further than the 194 years covered by the present application. I was unaware that any educated person in this country, particularly those working in the property area, would not know that Louisiana was purchased by the U.S. from France in 1803, the year of origin identified in our application."For the edification of uninformed FHA bureaucrats, the title to the land prior to U. S. ownership was obtained from France, which had acquired it by Right of Conquest from Spain. The land came into possession of Spain by Right of Discovery made in the year 1492 by a sea captain named Christopher Columbus, who had been granted the privilege of seeking a new route to India by the then reigning monarch, Isabella. The good queen, being a pious woman and careful about titles, almost as much as the FHA, took the precaution of securing the blessing of the Pope before she sold her jewels to fund Columbus' expedition.

"Now the Pope, as I'm sure you know, is the emissary of Jesus Christ, the Son of God. And God, it is commonly accepted, created this world. Therefore, I believe it is safe to presume that He also made that part of the world called Louisiana. He, therefore, would be the owner of origin. I hope ... you find His original claim to be satisfactory.

"Now, may we have our ... loan?"

They got it.

Good News for Some Homeowners!

HUD just approved a new FHA program that will allow some people to keep their homes; read on...
http://www.floridarealtors.org/NewsAndEvents/n1-100208.cfm

Bailout Fallout

What's the matter with our leadership in Washington? Why don't they get it? They seem to be more concerned about positioning themselves for re-election, rather than doing what is right for the country. I know that the seeds for this crisis were planted many years ago, and that a solution is not going to be quick or easy, or without pain. That being said, it just appears to me that they are trapped in ideological disagreements over what amount to bandaids for the problem.

Clearly, the crisis exists on a couple of levels: First, citizen and voter distrust of politicians is at an all time high. What we've seen this week with all the posturing, grand standing and finger pointing isn't likely to help that concern. And second, investor psychology is pretty much in panic mode. Most Americans don't understand the relationship between the credit markets and the economy at large. So they believe that any "bailout" is targeted at the fat cats on Wall Street - the rich get richer, or get out of jail free, etc. In reality, the lack of liquidity has gotten so bad, that unless some confidence can be infused back into the market and soon, we are looking at an even longer and much more painful recovery. It is already extremely difficult to get a business loan, and two thirds of our economy is generated by small businesses. As resilient as our economy is, without access to capital, we're in big trouble.

Anybody who works in a real estate or mortgage related business, has gone through 3 pretty tough years - with no clear end in sight. Over the last few months, we have seen some positive signals that are cause for optimism: leveling off of price declines or actual increases, reduction in inventory and a similar reduction in days on market. But if the clowns in Washington don't do something soon and get it right, all bets are off. What do you think? I'd love to hear from you.

'The Dead Guy that God sent home’

To all of my dear friends....

Please take a moment out of your busy, hectic lives and read the attached article...it is not a funny "forward", or political statement...what it is, is a beautiful article which was published last week in a California paper...an article which is based on a talk given by my very dear friend of 21 years, Ret. NYC Firefighter Bobby Senn. Those of us that know Bobby have been blessed by his friendship...the world is truly a better place for having him in it...and we are fortunate that he was spared on that fateful day seven years ago, when terrorists attacked our country...while so many others perished. I know it is a bit long, but please read it all the way through if you can.

Love,
Lorraine

Lorraine DeGeorges
Alexandra's Baskets
Unique Gifts & Gift Baskets for All Occasions
561.542.2653
www.alexandrasbaskets.com

Trulia Speaks to New Yorker's about the $700 Billion Bailout

What's your opinion?