Fw: FICO sheds some light on scoring

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Sent: Tuesday, December 22, 2009 7:30 PM

Subject: Fw: FICO sheds some light on scoring

Here is an article from the Republic written by Russ Wiles in the business section. It is very interesting info and may be of help to you and your clients.

Also Cathy Rhudy sent me the Fraud reporting numbers of the major credit bureaus and social security admin. You may want to put these in your phone. Thanks Cathy!

 

1.) Equifax: 1-800-525-6285  

2.) Experian (formerly TRW): 1-888-397-3742 

3.) Trans Union : 1-800-680 7289 

4.) Social Security Administration (fraud line):  
1-800-269-0271 

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: BOB@WESTUSA.COM

To: RSTEPHENS@ONMBB.COM

Sent: Sunday, December 20, 2009 9:46 AM

Subject: FICO sheds some light on scoring

	You have received a link to azcentral.com content from BOB@WESTUSA.COM. (The email address of the sender has not been verified.) To access the content, click the link below or copy and paste the full address into your Web browser: FICO sheds some light on scoring http://www.azcentral.com/php-bin/clicktrack/email.php/9064213

Fw: A Different Christmas Poem

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Sent: Saturday, December 19, 2009 3:37 PM

Subject: Fw: A Different Christmas Poem

I have been wearing my cap that says "the Spirit of BOB HOPE" all week just as a reminder of all the service people that are out there serving us and many of them are in foreign countries right now. Remember them in your thoughts during the holidays.

Then Joe Kegley sent me this forwarded piece-- perhaps some of you already have it but for those that don't, this is WELL worth reading!

Save it--it is that good!

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: joekegley@aol.com

To: rstephens@onmbb.com

Sent: Wednesday, December 16, 2009 6:55 AM

Subject: Fwd: A Different Christmas Poem

-----Original Message-----
From: marykegley@aol.com
To: joekegley@aol.com
Sent: Tue, Dec 15, 2009 8:05 pm
Subject: Fwd: Fw: A Different Christmas Poem

 

 

---

From: rmonroe184@yahoo.com
To: texomacarriage@hughes.net, mmoore@communicomm.com
Sent: 12/15/2009 7:56:23 P.M. US Mountain Standard Time
Subj: Fw: A Different Christmas Poem

 

73s From Ron Monroe  Ham Radio Is Great --- On Tue, 12/15/09, mike <littledoc@netcommander.com> wrote: From: mike <littledoc@netcommander.com> Subject: Fw: A Different Christmas Poem To: Undisclosed-Recipient@yahoo.com Date: Tuesday, December 15, 2009, 1:11 PM           A Different Christmas Poem.   A Different Christmas Poem Error! Filename not specified.   The embers glowed softly, and in their dim light,  I gazed round the room and I cherished the sight.  My wife was asleep, her head on my chest,  My daughter beside me, angelic in rest.  Outside the snow fell, a blanket of white,  Transforming the yard to a winter delight.   The sparkling lights in the tree I believe,  Completed the magic that was Christmas Eve.  My eyelids were heavy, my breathing was deep,  Secure and surrounded by love I would sleep.  In perfect contentment, or so it would seem,  So I slumbered, perhaps I started to dream. The sound wasn't loud, and it wasn't too near,  But I opened my eyes when it tickled my ear.  Perhaps just a cough, I didn't quite know, Then the sure sound of footsteps outside in the snow.  My soul gave a tremble, I struggled to hear,  And I crept to the door just to see who was near.   Standing out in the cold and the dark of the night,  A lone figure stood, his face weary and tight.  A soldier, I puzzled, some twenty years old,  Perhaps a Marine, huddled here in the cold.  Alone in the dark, he looked up and smiled,  Standing watch over me, and my wife and my child.   "What are you doing?" I asked without fear,  "Come in this moment, it's freezing out here!  Put down your pack, brush the snow from your sleeve,  You should be at home on a cold Christmas Eve!"  For barely a moment I saw his eyes shift,  Away from the cold and the snow blown in drifts.. To the window that danced with a warm fire's light  Then he sighed and he said "Its really all right,  I'm out here by choice. I'm here every night."  "It's my duty to stand at the front of the line,  That separates you from the darkest of times. No one had to ask or beg or implore me,  I'm proud to stand here like my fathers before me.  My Gramps died at ' Pearl on a day in December,"  Then he sighed, "That's a Christmas 'Gram always remembers."  My dad stood his watch in the jungles of ' Nam ',  And now it is my turn and so, here I am.   I've not seen my own son in more than a while,  But my wife sends me pictures, he's sure got her smile.  Then he bent and he carefully pulled from his bag,  The red, white, and blue... an American flag.  I can live through the cold and the being alone,  Away from my family, my house and my home.   I can stand at my post through the rain and the sleet,  I can sleep in a foxhole with little to eat.  I can carry the weight of killing another,  Or lay down my life with my sister and brother..  Who stand at the front against any and all,  To ensure for all time that this flag will not fall."   "  So go back inside," he said, "harbor no fright,  Your family is waiting and I'll be all right."  "But isn't there something I can do, at the least,  "Give you money," I asked, "or prepare you a feast?  It seems all too little for all that you've done,  For being away from your wife and your son."   Then his eye welled a tear that held no regret,  "Just tell us you love us, and never forget.  To fight for our rights back at home while we're gone,  To stand your own watch, no matter how long.  For when we come home, either standing or dead,  To know you remember we fought and we bled.  Is payment enough, and with that we will trust,  That we mattered to you as you mattered to us."  PLEASE, would you do me the kind favor of sending this to as many  people as you can? Christmas will be coming soon and some credit is due to our   U.S. service men and women for our being able to celebrate these  festivities. Let's try in this small way to pay a tiny bit of what we owe. Make people  stop and think of our heroes, living and dead, who sacrificed themselves for us.   LCDR Jeff Giles, SC, USN  30th Naval Construction Regiment  OIC, Logistics Cell One  Al Taqqadum, Iraq "Real Integrity is doing the right thing, knowing that no body's going to know whether you did it or not.."

Fw: SHORT SALES FUTURE

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Sent: Wednesday, December 02, 2009 6:11 AM

Subject: SHORT SALES FUTURE

Here is a link to news about future short sales that I thought was quite interesting. I researched this following a small announcement in the Republic this morning in the business section. This is intended for home owners that do not qualify for a loan mod under the Making Home Affordable program and it will include $1500 for participants moving expenses. Check out the link for another story.

 

http://www.dsnews.com/articles/index/treasury-releases-guidance-for-making-home-affordable-short-sales-2009-12-01

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

Fw: a picture for you

Good morning---Here is a picture to chronicle a great job by Jill St. Croix of AMERICAN TITLE!

Thanks to all who joined in this effort and donated books for Veterans Day and delivered to the VA Hospital.

Here are Jill's words in her email to me:

 

Wow look at what people did!  This is two truckloads of books taken to the VA hospital this morning by me and a friend!

Jill St. Croix

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Cc: Jill St. Croix

Sent: Thursday, November 19, 2009 6:14 AM

Subject: a picture for you

 

You have been sent 1 picture.

20091115_0001.JPG

These pictures were sent with Picasa, from Google.
Try it out here: http://picasa.google.com/

a picture for you

 

You have been sent 1 picture.

20091115_0001.JPG

These pictures were sent with Picasa, from Google.
Try it out here: http://picasa.google.com/

Fw: "The WUSA Family" Performance by the Metro Office ladies

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Cc: Doug Hodges

Sent: Saturday, November 07, 2009 7:39 AM

Subject: Fw: "The WUSA Family" Performance by the Metro Office ladies

Good morning---I am on vacation right now BUT still working for you!

This came from Doug Hodges and you can see what he does by his signature lines. A really nice fellow and he used to be an agent at WUSA Metro. He could do some nice stuff for you, if needed--just call him.

In any event, here is the last day at Metro and the skit that 10 of the agents put on for us.

THANK YOU LADIES, IT WAS WONDERFUL!

 

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: One Stop Tours & Imaging

To: rstephens@onmbb.com

Sent: Friday, November 06, 2009 6:02 PM

Subject: "The WUSA Family" Performance by the Metro Office ladies

As promised here is a link to the youtube video of the farewell performance at the Metro Office final meeting.

 

I think you'll get a kick out of it, please feel free to forward it on.

 

http://www.youtube.com/watch?v=hD67SLz4mPo

 

Doug Hodges

One Stop Tours & Imaging

"Specializing in residential virtual

tours, professional listing flyers

& 1-On-1 Computer help."

Office: (623) 322-9824

Cell: (602) 741-9535

Fax: (623) 218-9008

Email: dhodges@onestoptours.com

Website: www.OneStopTours.com or www.TechnologyForRealEstate.net

 

"I work by referral so if you know of anyone who can use my services please tell them about me.  Thanks!"

 

Fwd: You Did It: Homebuyer Tax Credit Extended and Expanded

Subject: Fw: You Did It: Homebuyer Tax Credit Extended and Expanded

All West USA Agents, Time to celebrate!!  We have an EXTENSION, so go out get those buyers!!.  Happy Holidays and Happy New Year! Please do not forget to supply me with names of fellow agents from other companies that you have found wonderful to work with or have talked to.  As we would be thrilled to have them come join "our family" here at West USA and you will get the $70 monthly referral credit for ONE entire year when I am able to recruit them using your name as a reference.  If you have any comments regarding your experience with the agent or their particular situation or need to make West USA Realty their "destination" Broker, I would welcome the commentary.  Be assured that they will be treated with  the up most professionalism and confidentially.  I will only disclose those comments regarding their situation that you desire me to by letting them know what a great experience it was for you to work or have talked to them. Kind Regards and Thank you for helping us GROW our professional, knowledge agent base here at West USA Realty, Lynn Sperry, ABR, CNE, CEG Director of Career Development 602-941-4200 --- On Fri, 11/6/09, National Association of Realtors <comments@realtoractioncenter.com> wrote: From: National Association of Realtors <comments@realtoractioncenter.com> Subject: You Did It: Homebuyer Tax Credit Extended and Expanded To: "Lynn Sperry" <lynn.sperry@yahoo.com> Date: Friday, November 6, 2009, 8:14 AM   Dear Lynn, You did it. You've succeeded in achieving a huge victory for real estate. Congress heard you on the need to both extend and expand the homebuyer tax credit to continue stimulating the housing sector of the economy. The Senate voted 98-0 on Wednesday and yesterday the House voted 403-12 on legislation that includes the extension and expansion of the credit. The President is expected to sign the legislation, perhaps as early as today. Thank you for making this victory happen. Your letters in response to our Call for Action made a very big difference, as did the thousands of REALTOR® phone calls, visits by Federal Political Coordinators—all members of NAR—in getting this legislation passed. This is a great victory for the economy, for homebuyers, and for all of you in real estate.  You made your case to Congress. We deeply appreciate your commitment and involvement on this issue and trust your continued support will follow in the weeks ahead on all our future Calls for Action. More information on the tax credit and what it means to you:  Changes to the Homebuyer Tax Credit Law  Frequently Asked Questions About the New Bill  Listen to NAR President Charles McMillan's Podcast About the Bill Passing  See How the House Voted  In Depth: 2009 First-Time Homebuyer Tax Credit   Watch the Entries in the Tax Credit REALTOR® Party Video Contest Visit the web address below to tell your friends about the REALTOR(R) Action Center.  Tell-a-friend! If you received this message from a friend, you can sign up for Realtor Party Action Center. This message was sent to lynn.sperry@yahoo.com. Visit your subscription management page to modify your email communication preferences or update your personal profile. To stop ALL email from Realtor Party Action Center, click to remove yourself from our lists (or reply via email with "remove or unsubscribe" in the subject line). NAR maintains a separate email system to communicate our national news and programs. If you would like to manage those subscriptions and optin/optout of those communications please click here to login to Realtor.org.

Fw: HUD HOMES SALE INFO

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: Bob Stephens

To: AAAABob Stephens

Sent: Tuesday, November 03, 2009 5:44 AM

Subject: HUD HOMES SALE INFO

Due to many questions about the sale of HUD owned property, here are some tips.

 

Here is the web-site that gives complete info:

http://www.mcbreo.com/st_azmain.htm

You can copy a 25 page Handbook for reference! Your offers need to be VERY PRECISE to be considered!

 

If you need contracts, your office has them but if you need one without going to the office, here's the source for a contract and an addendum.   HUD Contract:

http://www.hud.gov/offices/adm/hudclips/forms/files/9548.pdf

HUD Addendum:

http://www.hud.gov/offices/adm/hudclips/forms/files/9548-d.pdf

 

YOU MUST have a Brokers signature BEFORE submitting an offer to HUD. It must be a "live" signature and not a fax or email.

Sometimes there are pre-signed forms in the offices and I keep a couple of them in my briefcase. Just find me!

REMEMBER this---Be ready "before weekends". Our SAM # is  WUSRLT--4751

 

I will ask American Title to get some classes together with 3 hours of credit, to teach agents how to better handle these sales.

This week, I do have 2 speakers to talk about this subject; one at Arrowhead and one at Mesa.

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

FW: Mr. Technology - Jeffrey Raskin's upcoming class

 

 

 

West USA Realty is proud to share Jeffrey Raskin's real estate technology class per his request (**Please forward to other REALTORS

in your office and that you know that may benefit from enhancing their careers**)

Many of you have attended his classes, but if you have not, you might want to take advantage of his tips and technology skills.   Even if you

walk away with 1 new tip, it can save you boundless amounts of time.  

 

---

 

Fellow techno bound REALTORS®, 

Next week is coming soon, and as these tech classes; the only of their kind in Arizona, usually fill up, please register early to reserve your seat.

 

Utilizing Real Estate Tech Tools

This course will cover three major sections: -Going over the essentials of ZipForm6®. Creating a template and applying to a client, creating an efficient, professional, thorough and easy way to type a contract in about 5 minutes -Effectively utilizing Microsoft Outlook® to arrange schedules, contacts &

much more. Put in your schedule to receive SPDS, closing and follow up, and sync to your smart phone. -Reviewing websites that will expedite your

real estate business.

Thursday, October 29, 2009- 9 AM- 12 PM- 3 hrs of General CE Credit- First American Title- 16165 N. 83rd Ave #100, Peoria, AZ. 85382- $25 pre-paid and $35 at door

Sign up- Click Here

 

Directly after

 

HANDS ON- Building the Ultimate Paperless Office

Building the Ultimate Paperless Office-My flagship course where you bring your computers if you have one and work along with me on the 4 parts to create these systems. Walk away with truly creating everything on your computer, without the use of fax machines, scanners or printers.  (no problem if you don’t have one- follow with me on the screen)

Thursday, October 29, 2009- 1:30 PM- 4:30 PM- First American Title- 16165 N. 83rd Ave #100, Peoria, AZ. 85382- $25 pre-paid and $35 at door

Sign up- Click Here

 

Or go to the calendar and click on the date and class

www.Technology4RealEstate.net/classes/  

 

 

What other have said about this class:

Good Morning Jeffrey,  In 29 years of real estate, I have to say that the value received from your recent technology class far exceeds any class I have ever attended.  While I am computer literate, I still found 3 pages of Ah Ha Notes to put to use right away!  Thank you so much!

Barbara, Coldwell Banker Success  

_____________________________________________________________________________________             

 

Mr. Raskin, I took away more from your 3 hour class than all other classes I’ve taken put together. Where were you when I started this biz? I would have been able to do 10 times what I’m currently doing if I would have implemented even 25% of what you taught. Thank you.

Steve, Pruduential

 

---

Jeff, Your class by far – without exception – the best investment I’ve made in my real estate business!   Being a non-technical person I was skeptical at first.   But I’m so glad I attended your class.   You have a great teaching style that makes it easy and fun to learn. I am no longer lost in the myriad world of paper.   All my files are just a ‘click’ away making all my transactions so much easier to manage. Thanks so much for sharing your expertise with us!

Best regards, Dee West USA Realty 

---

 

This is the only class like this in Arizona . This is real life technology that you will start to use immediately-guaranteed to make your life and real estate business run smoother.

 

  SEATING IS VERY LIMITED & SEATS FILL UP VERY QUICK. 

 

Look forward to seeing you all there!

 

Jeffrey “Mr. Tech” Raskin

Real Estate Technology Instructor

ZipForm® Certified Instructor

REALTOR® , GRI® , e-PRO® 

Advanced Real Estate Investment Solutions, Inc.

11445 E. Via Linda #2-222

Scottsdale,  AZ  85259 

Phone- 602-206-7200

Fax- 800-671-6511

jraskin@usa.com 

www.Technology4RealEstate.net/classes/     

 

   

 

 

***DO NOT GO DIRECTLY TO THIS CLASS WITHOUT SIGNING UP, AS CLASS SCHEDULES, TIMES AND VENUES MAY CHANGE****

Brought to you by:

-First American Title

-My Computer Works

-Nova Home Loans

-Send Out Cards

Fw: RENEWAL HOURS & OTHER CLASSES/EVENTS

Good morning---Here are some great classes that I am forwarding to you and please note a very special class at WEMAR with Bernice Ross!

And also the one SUPERLATIVE is doing on REALTOR web-sites.  Toni Taylor of AMERICAN TITLE is exceptional at lining up these great educational opportunities for your success. AMERICAN TITLE is always there for you!

Take advantage of these classes to be better at what you do!  Thanks---Bob

 

BEGIN--THE REST IS EASY
Bob Stephens   CRB  e-PRO
Managing Broker
West USA Realty

----- Original Message -----

From: ttaylor@atsaaz.com

To: rstephens@onmbb.com

Sent: Thursday, October 15, 2009 7:06 PM

Subject: RENEWAL HOURS & OTHER CLASSES/EVENTS

American Title Service Agency Presents Renewal Hours & Other Classes/Events Scroll down for full details on any class/event Tues 10/20/09 Fall Speaker Event You Snooze You Lose! Trends to Take Your Business to the TOP in 2010 Weds 10/21/09 Renewal Hours FAIR HOUSING Mon 10/26/09 Renewal Hours Commissioners Standards Weds 10/28/09 Realtor Websites Mon/Tues 11/2 & 11/3/09 All Day Both Days Mastering Short Sales - 15 Renewal Hours Fri 11/6/09 Short sales, Foreclosures & Auction Properties RENEWAL HOURS - Legal Issues Please RSVP to Toni at 602 330 4144 or ttaylor@atsaaz.com unless otherwise indicated Tuesday October 20th, 2009  8:00 - 9:00 am Continental Breakfast, Registration & Expo 9:00 - 12:00pm Bernice Ross (Speaker) You Snooze...You Lose! Trends to Take Your Business to the Top in 2010 Location: Lakes Recreation Center in Westbrook Village: 19251 N. Westbrook Parkway, Peoria 85382 FEE: $20 Cash, Check or Credit Card WEMAR Event - RSVP at www.WEMAR.org   Wednesday October 21st, 2009   8:30 - 12:00 RENEWAL HOURS : 3 hrs FAIR HOUSING Credit* "Open For Business" Instructor Tim Smallwood Location: Inside Landscapemart 8028 W Thunderbird Rd, Peoria TUITION: NO CHARGE CLASS THANKS TO SPONSORS   *Accredited thru AARE 10001 W Bell Rd, Sun City Monday October 26th 1- 4 pm RENEWAL HOURS : 3 hours Comm. Standards credit Instructor ROWDY DAWSON "It Is What It Is" Location: AZ Academy of Real Estate 10001 W Bell Road, Sun City TUITION: Dry dog and/or cat food please to benefit the Lost Our Home Pet Foundation   *Accredited thru AARE 10001 W Bell Rd, Sun City Wednesday October 28th 2009 SUPERLATIVE WEBSITES 9:30 - 10:30am NEED A WEBSITE? Come learn how you can benefit from having a website….. no set up fee nor contracts!   11am - Noon Already have a Superlative website? Come with your questions and learn how to make the most of your site! NO CHARGE EVENT THANKS TO SPONSORS  RSVP REQUIRED 602 330 4144     FRIDAY NOV 6th, 2009 9am - 12:30pm RENEWAL HOURS : 3 Hours Legal Issues Credit** SHORT SALES, FORECLOSURES & AUCTION PROPERTIES Instructor : Kayte Gentry Location: AZ State Credit Union - 2355 W Pinnacle Peak Road, Phoenix (I-17/Pinnacle Peak)   You will learn The different nature of Buyer representation on distressed properties How to avoid pitfalls and landmines If these properties are appropriate for your Buyer What questions to ask the Listing Agent How to successfully negotiate the best terms possible. Co-broke offerings in our MLS today: what's right and what's wrong! How to build your business in today's market!   Tuition: $10 with your RSVP to Toni Taylor 602 330 4144   **Accredited thru Copperstate Schools PLEASE FORWARD TO ANY OF YOUR COLLEAGUES WHO MIGHT BE INTERESTED IN ATTENDING THESE FABULOUS EVENTS!     Toni Taylor   Toni Taylor My Business Is Helping You Build Your Business American Title Service Agency (602)330-4144 ttaylor@atsaaz.com

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