Archive for April, 2012

Morning Coffee for 4/16/2012

Monday, April 16th, 2012


A well-known motivational speaker once said, “No one knows enough to be a pessimist.”  He also quoted statistics showing that a very high percentage of the things we worry about are either A) things that never happen, or B)
things over which we have no control anyway.  His point?  Not only do we not have enough information to justify our worries, we also are virtually unable to alter the outcome of most situations.

Our worst fears are generally of the unknown (not enough information).  Our imagination runs wild, conjuring up worst-case scenarios.  We become fearful, anxious, and even overwhelmed – yet the source of our fear is
non-existent (except in our minds). Consider these oft-quoted phrases:

“Think you can – think you can’t – either way you’re right.”
“As a man thinketh, so is he.”
“Argue for your limitations, and sure enough they’re yours.”

In other words, by your thoughts alone, you control the outcome.  Although there exist many risks to our peace-of-mind during uncertain times, we still have the ability to pursue our very best hopes and dreams.  We may find that
their achievement requires more effort than usual.  Doubt may creep in. Nevertheless, as you have heard many times, “It’s all in your head.”

Morning Coffee for 4/9/12

Monday, April 9th, 2012


The well-known Nike commercials have hammered into our heads the phrase “Just do it!”  Regardless of how you view their advertising, there is magic in the words “just do it.”  The real key to the message is “doing it,” a.k.a. taking action.  Anything you have ever desired is available to you if you will it.

Now, consider those who are constantly washed over by the “tide.”  Note that the lyrics in Jim Croce’s song say, “I’m WAITING for my ship to come in . . .”  and then, “but all that comes in is the tide.”  That sounds like a victim’s lament, as in, “Oh poor me, here I am ready and excited, waiting for my ship to come in, and I get dumped on by the sorry tide.  Bummer.  How unfair.”  Duhh!  Helloooo!

It’s easy to see that “action” is the opposite of “waiting.”  Yet, it’s so easy to do nothing – waiting passively.  Action requires energy, enthusiasm, movement, and objectives, while waiting requires not even a thought.

Whether your desire (your “ship”) is a relationship, wealth, a healthy body, or a new car, you must be the captain, not the port – the “master of your fate,” not a tide-washed, sand-covered beach ball.  Life is great!  On your next trip to the beach, buy a boat, a map, and a compass, and then choose your own port of call.  You’ll dine at the Captain’s Table every day!

Counting Rental Property in Your Mortgage

Monday, April 2nd, 2012

When applying for a new mortgage loan, what does the lender need from you when you have rental properties?

It is common for mortgage companies to require a copy of your current rental agreement.  They may also ask for a payment ledger from a property management company if it is maintained by a third party.

If you are moving from you current residence that will become a rental property, the mortgage company may require extra documentation that includes rental agreement, copies of first rent check and security deposit, and proof of deposit into your account.  Again, if it is managed by a property management company, they may require documentation from the management company that it has been received.

Danielle Hifko, New American Mortgage


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