Tuesday, December 22, 2009

Fw: FICO sheds some light on scoring

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

Saturday, December 19, 2009

Fw: A Different Christmas Poem

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

 
 
http://www.incredimail.com/?id=604305&rui=39368838


Wednesday, December 2, 2009

Fw: SHORT SALES FUTURE

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