West USA Realty

ZIPPRICH GIVES BACK

2011-12-06T17:24:00.001-07:00

Here is an interesting story!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

CORRECTEd ADDRESS FOR BUSINESS PLAN

2011-11-15T17:46:00.001-07:00

The corrected business plan address is www.wusacoach.com and not the one in the article below that refers to it.

Bob

Thanks to Lynn!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Fw: WEBINARS-SALES MEETINGS-CASH EM & ISSUES

2011-11-15T08:31:00.001-07:00

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 15, 2011 6:51 AM

Subject: Fw: WEBINARS-SALES MEETINGS-CASH EM & ISSUES

These recent issues have come up that I need to address!

The webinars are great for info which I use in the sales meetings. However, when I speak at SM, we have inter action and the webinar info turns into a very different presentation. The webinar is just me and Daniel talking to an unknown audience, if any. We are never sure. So that is why the sales meetings are different and we get to hear your voice and thoughts, which I appreciate. Group dynamics are always preferred.

EARNEST MONEY must never be cash. The title companies won't accept it and neither will we. So, if you take cash as EM, then I have a problem with that and need to ask you some questions, so expect to be interviewed regarding this issue. Conclusion? Always get cashiered funds or personal checks for EM.

Now then, for anyone in property management OR you are finding a home for a rental client, be very careful when the prospective tenant is declined pursuant to their application.

A case in point is a prospective tenant that was turned down and she asked why? So the prop. mgr. explained in detail WHY.

Never do this! Give the prospect a declination letter that will explain that information from a credit report, prior landlord, police report etc., has caused the declination of their application as a tenant. You are never involved in any explanations after you have submitted the decline letter.

Our A forms has one on www.mywestusa.com and is A-116.

AND--If you need to figure your business plan for 2012, find it at a new address www.westusacoach.com

Also, a new service from AMERICAN TITLE--Just call your local rep. and get your short sale program started and they will do it for you! Just take the listing and turn it over to them while you find a buyer!

We are excited to welcome the ASSIST Short Sale Transaction Management Team!

One of the first teams of their kind in the valley, they already have years of experience handling Short Sales - and SHORT SALES are ALL THEY DO!

Let their expertise save you the time and paperwork normally involved in Short Sale transactions, while you easily track their progress using 'Short Sale Commander'.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

MISSING ATTACHMENT

2011-11-02T17:57:00.001-07:00

Here is the attachment to my article--just add it on.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Fw: MY THOUGHTS AND ATTACHED VIEWS OF OTHERS

2011-11-02T06:12:00.000-07:00

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: Bob Stephens

To: AAAABOB STEPHENS

Sent: Monday, October 31, 2011 7:00 AM

Subject: Fw: MY THOUGHTS AND ATTACHED VIEWS OF OTHERS

Most folks that receive email, read the subject line and delete if they don't get the whole message there. This is one that you need to read and perhaps gain some views you did not have before.

I know that folks need to make their own decisions and most of the time, advice is unwelcome.

No one can tell someone that they need to quit smoking or lose weight or quit drinking or work harder to have a great family life or many of the myriad of things that others decide to tell you that you need to do.

Another one is changing your association with a company, especially when YOU are the architect of what happens to you in real estate.

Agents have left seeking greener pastures or whatever but a great many of them return. They have found out that the real estate market is the same at another brokerage and nothing changes.

The answer lies within themselves and the decision to change their own outlook to the changing markets and the necessary adjustments. It takes commitment and will to learn and adjust.

A business plan for 2012 would be a great start--just go to

www.arizonarealestatesuccess.com from Lynn Sperry

and fill in the blanks. Takes about 3 minutes and you get a 1 year plan. Then go to GOOGLE and click on "calendar" to make time for the plan. It syncs with your smart phone.

The next step is to do something REMARKABLE! For instance, buy the book "GAME PLAN" How real estate professionals can thrive in an uncertain future by Ian Morris and Steve Murray. AND, of course my favorite books on marketing, Dig Your Well Before You're Thirsty by Harvey Mackay AND Purple Cow by Seth Godin.

All of these are available on Amazon.com

With all of this in mind, you can launch a very succesful campaign to be "REMARKABLE".

I have attached a Realty Times article that makes a lot of sense!

Read my email signature and go with it.

Bob

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

LISTEN-LEARN-PROSPER

Fw: DIVERSITY WITH REAL ESTATE

2011-10-30T05:27:00.001-07:00

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

From: Bob Stephens

To: AADaniel McCarthy

Sent: Saturday, August 20, 2011 5:18 PM

Subject: DIVERSITY WITH REAL ESTATE

I have long been interested in diversity in our real estate industry. I started getting indoctrinated into this facet when I was on a committee for fair housing over 30 years ago at the Phoenix Association. I found that clients present issues for agents that may require special training for an agent to have a better understanding of all issues on diversity. Tina Robbins was the very excellent chairperson at that time at PAR. Many years later around 2008, I attended a class taught by Tina and as always, it was an "eye-opener".

It was about 10 years ago that I obtained the "At Home With Diversity" designation from NAR in a 6 hour, in person class, which I later renewed 2 years later online. This was the most amazing class I ever attended and it makes a real believer out of attendees.

I recommend it for everyone and you will definitely become a much more versatile and accomplished REALTOR.

I have asked for stories from foreign born agents that they would allow me to publish. I am interested in how they got here and why they chose real estate as a profession. The discussions were very revealing and interesting which some of them shared with me.

Here is a really nice story about Claudia Morgado from Chile, now working in our Mesa office. She wrote it and I edited it very slightly.

I urge you to get to know all of our people on a personal basis, whether foreign or not. Last Friday I was talking to 2 ladies at the same time--1 from the Philippines and another from Sri Lanka. We have much representation from around the world at West USA and welcome all those who would join us.

If you have a story to share, please put it into writing for me and in fact, I will help you with it. Call me or email me bob@westusa.com

or 602-942-4200

Claudia's story is attached and is just 1 page but very enlightening!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Build a Real Business With Your Fan Page

2011-10-27T10:09:00.001-07:00

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Foreclosed Home Owners Take Out Revenge on Properties

2011-08-31T16:18:00.000-07:00

DAILY REAL ESTATE NEWS | WEDNESDAY, AUGUST 31, 2011

Some foreclosed home owners are taking out their anger on the homes they are forced to leave behind, smashing holes in the walls, scribbling graffiti everywhere, leaving piles of trash, and ripping out appliances.

More banks -- facing a growing problem from trashed foreclosures -- are opting to offer homes at big discounts rather than fix the repairs, which can send surrounding home values in the neighborhood spiraling down, experts say.

Real estate pro Nick Davis with RE/MAX Premier Group told the Tampa Tribune that he has seen some home values greatly diminish from foreclosed home owners who have trashed it. For example, he recalls one home that would have fetched $250,000 back in 2006 during the housing boom that would now sell for about $75,000 because it was trashed by the former owners.

"It looks like someone took revenge," Davis says about the home, which had holes in the wall, appliances ripped out, and piles of trash. "Unfortunately, we're seeing more of this. We've seen cement in the plumbing systems, the air conditioners ripped out from the outside, wiring being removed."

Some real estate professionals and lenders are even blaming the high number of real estate deals falling apart due to more homes being left in poor condition by the original owners.

Buyers "look at these homes and say, 'If this is the damage I can see, what else did the home owner do to this place that I can't see?' " Davis says.

Some home owners facing foreclosure place the blame on banks for their woes so they leave behind a mess for the bank. But trashing a home can backfire. Some banks are saying they may even start taking steps to sue home owners for the cost of repairs, and law enforcement officials say home owners can be charged with vandalism as well as theft if they remove items that don’t belong to them from the home.

"Anything that came with the house needs to stay with the house," says Larry McKinnon, spokesman for the Hillsborough County Sheriff's Office in Florida. "You may think you're getting back at the bank. But the bank may have the last laugh."

Source: “Trashing Foreclosure Homes May be on the Rise,” Tampa Tribune (Aug. 30, 2011)

2 Charged for Leaving Dead Animals in Foreclosure

Battling the Neighborhood Eyesore

Fw: BEN STEINS FINAL COLUMN

2011-07-23T09:00:00.001-07:00

This was sent to me by Sally Barney-Gooby of the Scottsdale office.

A former school teacher and she always has something worthwhile! Thanks Sally!

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

From: Bob Stephens

To: AAAABOB STEPHENS

Sent: Saturday, July 09, 2011 7:24 AM

Subject: BEN STEINS FINAL COLUMN

Ben Stein's final column --

For many years Ben Stein has written a biweekly column called
''Monday Night At Morton's.'' (Morton's is a famous chain of Steakhouses known to be frequented by movie stars and famous people from around the globe.) Now, Ben is terminating the column to move on to other things in his life. Reading his final column is worth a few minutes of your time.

Ben Stein's Last Column...

How Can Someone Who Lives in Insane Luxury Be a Star in Today's World?

As I begin to write this, I 'slug' it, as we writers say, which means I put a heading on top of the document to identify it. This heading is 'eonline FINAL,' and it gives me a shiver to write it. I have been doing this column for so long that I cannot even recall when I started. I loved writing this column so much for so long I came to believe it would never end.

It worked well for a long time, but gradually, my changing as a person and the world's change have overtaken it. On a small scale, Morton's, while better than ever, no longer attracts as many stars as it used to. It still brings in the rich people in droves and definitely some stars. I saw Samuel L. Jackson there a few days ago, and we had a nice visit, and right before that, I saw and had a splendid talk with Warren Beatty in an elevator, in which we agreed that Splendor in the Grass was a super movie. But Morton's is not the star galaxy it once was, though it probably will be again.

Beyond that, a bigger change has happened..? I no longer think Hollywood stars are terribly important. They are uniformly pleasant, friendly people, and they treat me better than I deserve to be treated. But a man or woman who makes a huge wage for memorizing lines and reciting them in front of a camera is no longer my idea of a shining star we should all look up to.

How can a man or woman who makes an eight-figure wage and lives in insane luxury really be a star in today's world, if by a 'star' we mean someone bright and powerful and attractive as a role model? Real stars are not riding around in the backs of limousines or in Porsches or getting trained in yoga or Pilates and eating only raw fruit while they have Vietnamese girls do their nails.

They can be interesting, nice people, but they are not heroes to me any longer. A real star is the soldier of the 4th Infantry Division who poked his head into a hole on a farm near Tikrit , Iraq . He could have been met by a bomb or a hail of AK-47 bullets. Instead, he faced an abject Saddam Hussein and the gratitude of all of the decent people of the world.

A real star is the U.S. soldier who was sent to disarm a bomb next to a road north of Baghdad . He approached it, and the bomb went off and killed him.

A real star, the kind who haunts my memory night and day, is the U.S. soldier in Baghdad who saw a little girl playing with a piece of unexploded ordnance on a street near where he was guarding a station. He pushed her aside and threw himself on it just as it exploded. He left a family desolate in California and a little girl alive in Baghdad ..

The stars who deserve media attention are not the ones who have lavish weddings on TV but the ones who patrol the streets of Mosul even after two of their buddies were murdered and their bodies battered and stripped for the sin of trying to protect Iraqis from terrorists.

We put couples with incomes of $100 million a year on the covers of our magazines. The noncoms and officers who barely scrape by on military pay but stand on guard in Afghanistan and Iraq and on ships and in submarines and near the Arctic Circle are anonymous as they live and die.

I am no longer comfortable being a part of the system that has such poor values, and I do not want to perpetuate those values by pretending that who is eating at Morton's is a big subject.

There are plenty of other stars in the American firmament...the policemen and women who go off on patrol in South Central and have no idea if they will return alive; the orderlies and paramedics who bring in people who have been in terrible accidents and prepare them for surgery; the teachers and nurses who throw their whole spirits into caring for autistic children; the kind men and women who work in hospices and in cancer wards.

Think of each and every fireman who was running up the stairs at the World Trade Center as the towers began to collapse. Now you have my idea of a real hero.

I came to realize that life lived to help others is the only one that matters. This is my highest and best use as a human. I can put it another way. Years ago, I realized I could never be as great an actor as Olivier or as good a comic as Steve Martin or Martin Mull or Fred Willard--or as good an economist as Samuelson or Friedman or as good a writer as Fitzgerald. Or even remotely close to any of them.

But, I could be a devoted father to my son, husband to my wife and, above all, a good son to the parents who had done so much for me. This came to be my main task in life. I did it moderately well with my son, pretty well with my wife and well indeed with my parents (with my sister's help). I cared for and paid attention to them in their declining years. I stayed with my father as he got sick, went into extremis and then into a coma and then entered immortality with my sister and me reading him the Psalms.

This was the only point at which my life touched the lives of the soldiers in Iraq or the firefighters in New York ... I came to realize that life lived to help others is the only one that matters and that it is my duty, in return for the lavish life God has devolved upon me, to help others He has placed in my path. This is my highest and best use as a human.

Faith is not believing that God can. It is knowing that God will.

By Ben Stein

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

New Campaign Jul 8, 2011 at 9:26 AM This is a test for Bob Stephens new e-mail to everyone at West USA Realty

2011-07-08T13:42:00.000-07:00

Untitled document

Attachments:

[ wusa_clr_jpg.jpg(148K) http://app.expressemailmarketing.com/CampaignAttachmentDownload.aspx?sid=207199745&caid=1095736 ]

This email was sent by Begin the Rest is Easy, 44177 W Canyon Creek Dr, Maricopa, Az 85139, using Express Email Marketing. You were added to this list as info22311.westusaagents@blogger.com on 7/8/2011.

Express Email Marketing supports permission-based email marketing. You can change your preferences (http://app.expressemailmarketing.com/survey.aspx?id=108609&sid=207199745&campaignId=805843&SFID=108366) or unsubscribe (http://app.expressemailmarketing.com/unsubscribe.aspx?id=108609&sid=207199745&campaignId=805843) from this mailing list at any time.

Freddie Mac Announces Summer Incentive for Agents

2011-05-27T11:05:00.000-07:00

Freddie Mac Announces Summer Incentive for Agents

On May 16, 2011, Freddie Mac announced a bonus incentive in connection with the sale of Freddie Mac-owned properties listed on the company's REO website, www.HomeSteps.com, for selling agents who submit initial offers between May 16, 2011 and July 31, 2011, and close escrow on or before September 30, 2011. The $1,200 bonus incentive will be paid to selling agents representing qualified owner-occupants homebuyers who close by the deadline. No incentives will be given for investor purchases. Freddie Mac HomeSteps properties are owned by Freddie Mac and include a wide selection of homes, including single-family homes, condominiums, and town houses.

Freddie Mac HomeSteps Incentive

Jeff Lischer 202-383-1117, Tony Hutchinson 202-383-1120, Charles Dawson 202-383-7522

Fw: POOL SAFELY CAMPAIGN JUNE 15--10 AM

2011-05-24T07:09:00.001-07:00

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

From: Bob Stephens

To: AAAABOB STEPHENS

Sent: Tuesday, May 24, 2011 7:02 AM

Subject: POOL SAFELY CAMPAIGN JUNE 15--10 AM

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

From: Bob Stephens

To: AAAABOB STEPHENS

Sent: Tuesday, May 24, 2011 6:54 AM

Good morning--I want to get you up and going on the Pool Safely gig we are having at our Corp. Office June 15, 2011 at 10 AM.

Rick Pectol does just that for you in his message sent to me for distribution. (This was sent to me last Sunday)

Read his message and then use the web sites that he has keyed in for you.

The last one--azce classes is very good for you if you need a class for hours.

AND please RIZVIP (RSVP) for this great kickoff for WUSA with DAVE MUNSEY of CHANNEL 10 WEATHER. Here's the address TStall@ATSAAZ.com This is Teresa Stall of the American Title main office in Arrowhead. This event will fill up fast!!!!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: Rick Pectol

To: rstephens@onmbb.com

Sent: Sunday, May 22, 2011 3:53 PM

Subject: Webinar Tomorrow

Hi Bob

Not sure if you have the ability to put any information out during the webinar but if so then I think the 3 following websites would be helpful to go along with what I am presenting:

www.poolsafely.gov

www.QuoteMeRick.com

www.AZCEClasses.com

I will be mentioning the Kickoff we are having on June 15^th and encouraging agents to attend and get involved in the campaign in their own business. I will also be showing that I am "practicing what I preach" with my own involvement in the campaign. I now have links to pages on both of my websites mentioned above where people can go and print a "Water Safety Kit" incuding a "Water Watcher Badge" as well as Safety Tips.

Also included on these same pages is info on how the agents can get their own campaigns going I have tried to pull out the pertinent information from the poolsafely website and condense it into what they will need. You might want to check it out it's still a work in progress so would welcome any ideas/input you have but at least for now it's enough to give the agents a good example of how they can reference the campaign on their own websites and in their marketing.

Let me know if there's any other areas you want me to touch on tomorrow,

Thanks for the opportunity!!!

Rick Pectol - Southwest Insurance Brokers, LLC

(602)228-7308 Cell/Text

(602)263-0777 Office

(602)277-0737 Fax

www.QuoteMeRick.com
http://www.linkedin.com/in/ricknpaula

Office Address:

510 E Camelback Road

Phoenix, Az 85012

WE LOVE REFERRALS!!!

Fw: OPEN HOUSE WEEK-END

2011-05-12T06:10:00.000-07:00

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

From: Bob Stephens

To: AAAABOB STEPHENS

Sent: Thursday, May 12, 2011 5:54 AM

Subject: OPEN HOUSE WEEK-END

Here is a great opportunity for an OPEN HOUSE advertised nationally by NAR.

Open the attachment for the announcement by NAR.

Prospective buyers will be looking for open houses on that week-end and you can take advantage of the nation wide campaign by NAR.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Banks Rush to Revamp Foreclosure Rules

2011-04-29T11:52:00.000-07:00

Daily Real Estate News | April 29, 2011 | Share

Banks Rush to Revamp Foreclosure Rules
The rush is on for banks to meet a mid-June deadline in offering up plans on how they plan to meet a set of guidelines by U.S. regulators to clean up their foreclosure procedures. The banks will have another 60 days after that deadline to implement the changes.

As part of the rules set by U.S. regulators, 14 financial institutions will be required to provide a single point of contact to borrowers trying to modify a loan or in the foreclosure process as well as set “appropriate deadlines” for deciding whether borrowers can get a loan workout. Regulators are also requiring banks to ensure their staffing levels are on par to handle the flood of foreclosures and loan modifications.

Several banks have already taken steps to implement the changes.

For example, J.P. Morgan says it’s developing a software program to make it easier for employees and borrowers to track loan modification requests. It also has started providing borrowers with a “relationship manager” to help navigate the loan modification or foreclosure process.

Citigroup, which already provides a single point of contact, says in the next few months it'll debut a “concierge" system that will provide a small team of employees to guide delinquent borrowers and home owners at risk of default.

Banks are also making efforts to speed up their loan modifications, after customers have complained of long delays from banks in responding to requests. For example, Los Angeles Neighborhood Housing Services says it takes an average of 141 days for its borrowers to get an answer on an initial loan modification request. Wells Fargo was found to have the fastest turnaround: Initial reviews averaged 79 days. But the bank says now 60 percent of its borrowers receive a decision five days after the company receives the request.

Banks are also increasing their staffing. J.P. Morgan has announced it’ll add up to 3,000 new home-lending jobs, and Bank of America plans to hire about 3,000 employees to focus on its troubled mortgages.

New Incentives From Fannie, Freddie

Banks and mortgage servicers also must meet new guidelines from Fannie Mae and Freddie Mac, announced this week, that aim for more loan modifications and prevent foreclosures from taking too long.

Mortgage servicers will be required to approach borrowers earlier, making contact frequently after just one missed payment.

The GSEs are also offering incentives: They’ll pay $1,600 in incentives depending on how quickly servicers complete a loan workout. They also will impose a $500 compensatory fee on servicers who do not complete loan modification applications within six months after the loan goes delinquent. The changes will go into effect in the second quarter.

Source: “Banks Rush to Improve Foreclosure Practices,” The Wall Street Journal (April 29, 2011)

Fw: Relationship Management: 7 Ways to Keep In Touch With Past Clients

2011-03-22T17:59:00.001-07:00

This is a must read!!!!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: RealtorMag/Chicago/National_Association_of_Realtors.NARBBN@realtors.org

To: stephens@orbitelcom.com

Sent: Tuesday, March 22, 2011 5:54 PM

Subject: Relationship Management: 7 Ways to Keep In Touch With Past Clients

Hello,

This article from REALTOR Magazine Online was sent to you by:
bob, bob@westusa.com

Relationship Management: 7 Ways to Keep In Touch With Past Clients
http://www.realtor.org/wps/wcm/connect/rmo-content/rmo/RMOsales_and_marketing/Articles/2011/1102_relationshipmanagement_pastclients

Message from sender:

***********************************************************************
For tip-filled articles, blogs, and multimedia presentations
that can boost your real estate career,
visit REALTOR® Magazine Online.

Find us at:
http://www.realtor.org/realtormag

FHA Takes Steps to Bolster Capital Reserves

2011-02-18T13:26:00.000-07:00

Print Article

RISMEDIA, February 17, 2011—As part of ongoing efforts to strengthen the Federal Housing Administration’s (FHA) capital reserves, FHA Commissioner David H. Stevens announced a new premium structure for FHA-insured mortgage loans increasing its annual mortgage insurance premium (MIP) by a quarter of a percentage point (.25) on all 30- and 15-year loans. The upfront MIP will remain unchanged at 1.0%. This premium change was detailed in President Obama’s fiscal year 2012 budget, and will impact new loans insured by FHA on or after April 18, 2011.

“After careful consideration and analysis, we determined it was necessary to increase the annual mortgage insurance premium at this time in order to bolster the FHA’s capital reserves and help private capital return to the housing market,” said Stevens. “This quarter point increase in the annual MIP is a responsible step towards meeting the Congressionally mandated two percent reserve threshold, while allowing FHA to remain the most cost effective mortgage insurance option for borrowers with lower incomes and lower down payments.”

The proposed change was announced last week as part of the Obama Administration’s report to Congress, which outlined the Administration’s plan to reform the nation’s housing finance system. The Administration’s housing finance plan also recommended that Congress allow the present increase in FHA conforming loan limits to expire as scheduled on October 1, 2011.

This premium change enables FHA to increase revenues at a time that is critical to the ongoing stability of its Mutual Mortgage Insurance (MMI) fund, which had capital reserves of approximately $3.6 billion at the end of FY 2010. The change is estimated to contribute nearly $3 billion annually to the Fund, based on current volume projections. It is vital that HUD take action to ensure that FHA will continue to serve its dual mission of providing affordable homeownership options to underserved American families and first-time home buyers while helping to stabilize the housing market during these tough times.

On average, new FHA borrowers will pay approximately $30 more per month. This marginal increase is affordable for almost all home buyers who would qualify for a new loan. Existing and HECM loans insured by FHA are not impacted by the pricing change.

FHA will continue to play an important role in the nation’s mortgage market in 2011. President Obama’s FY 2012 budget projects the FHA will insure $218 billion in mortgage borrowing in 2012. These guarantees will support new home purchases and re-financed mortgages that significantly reduce borrower payments.

For more information, visit www.hud.gov.

RISMedia welcomes your questions and comments. Send your e-mail to:realestatemagazinefeedback@rismedia.com.

Fw: SHORT SALE NEGOTIATOR REGULATIONS

2011-02-08T07:43:00.000-07:00

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Tuesday, February 08, 2011 7:08 AM

Subject: SHORT SALE NEGOTIATOR REGULATIONS

I want to reach all agents with the attached message which is effective March 1, 2011.

DO NOT try to circumvent the commissioners order--This is an issue that is being followed closely by the FBI, according to your Designated Broker, Dale Hillard's info.

Thank you for your cooperation!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Fw: Mackay: Climb aboard social-media locomotive

2010-12-21T08:55:00.000-07:00

Here is the link for Harvey Mackay's column from the Republic. A VERY GOOD STORY!

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: Monday, December 20, 2010 6:12 AM

Subject: Mackay: Climb aboard social-media locomotive

You have received a link to azcentral.com content from bob@westusa.com.

To access the content, click the link below or copy and paste the full address into your Web browser:

Mackay: Climb aboard social-media locomotive

http://www.azcentral.com/php-bin/clicktrack/email.php/9564246

Fw: Send a Free Card to a Serviceman

2010-12-13T18:37:00.000-07:00

Thank you so very much Frank!

Your message is going to about 1000 people of my address book at WUSA as I send this email this evening. Let's hope that others will work their address books to get the message out even more.

But more importantly, FOLLOW THRU, as Frank did and make it work. We truly need to thank these men and women that protect us here at home.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: Frank Scarpone

To: Bob Stephens

Sent: Monday, December 13, 2010 1:00 PM

Subject: Fw: Send a Free Card to a Serviceman

Bob

Got your message on the Webinar this morning and went to the Xerox site you gave out - sent a card and then sent this email out to clients and friends.

Frank Scarpone

----------------------------------------------------------------------------------------------------------------------------------------------------------

Good Afternoon,

This Christmas and Hanukah Holiday we'll enjoy in the comfort of our homes with our families.

Many of our young Military men and women will not be able to enjoy that same benefit. They'll be away - serving for us.

XEROX has a program that will allow you to send one of these brave young people a CARD - Free - to let them know how you feel about there Service.

Please take a moment to go to this Web Site and send them a Card FREE!

It takes no more than 2 Miniutes - it's that easy.

Thank You &

Thanks XEROX

http://www.letssaythanks.com/ThankYou.aspx

Frank Scarpone
Realtor
WEST USA REALTY
480-540-8460
fscarpone@cox.net
www.frankscarpone.com

PS Please feel free to send this message on to your friends and neighbors - the more cards these brave young people get the better.

Fw: My Thanksgiving Day article

2010-11-26T12:00:00.001-07:00

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Friday, November 26, 2010 11:51 AM

Subject: Fw: My Thanksgiving Day article

Here is a link to a perfect Thanksgiving story--it actually made me cry because I was laughing so hard at the truth hitting me right in the face.

Read it and perhaps you can laugh at yourself or someone you know. This story is good and written by Donna Berry's daughter, Ariel Waterman.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: A. Carroll Waterman

To: Alan Defever ; Donna Berry ; John Johnson ; Kellie Presta ; Michele Cancolla ; Mike Pastor ; Ron-and-Alyson Presta ; Serena Belsby ; Sharon Defever ; Sophie Belsby

Sent: Thursday, November 25, 2010 4:31 PM

Subject: My Thanksgiving Day article

Hello, Family and Happy Thanksgiving!

I am thankful to all of you for your generous support and encouragement of my writing efforts. I especially am grateful to those who e-mailed my editor when they enjoyed a particular story. I love you all!

Here is the link to read my article. If you like it drop my editor a line and tell him. He is Ryan Miller at rmiller@santamariasun.com.

God bless you all and take care! -- Carol Jean

http://www.santamariasun.com/commentary/5747/gobble-gobble-toil-and-trouble/

YEAR END DATES OF INTEREST FOR YOU

2010-11-15T07:29:00.000-07:00

Cancel the Scottsdale meeting Nov. 17 so that we can present a great education class that will really help you in the short sale market. We will instead be at the WUSA Business Center for the presentation of the HAFA class for 3 hours of credit. STARTS AT 9 AM--GOES TILL NOON.

Also, no meetings on the 24, 25 or 26 of Nov.

Then on Fri. Dec. 3, I have cancelled the regular meeting to allow everyone to be at the Social Networking class at WUSA Business Center, from 9 till noon. GET SIGNED IN FOR THIS ONE, IT WILL SERVE YOU WELL NEXT YEAR--THIS IS A CRITICAL CLASS. AND, it has credit hours!

Dec. 7, I believe we have an accountant to speak of taxes for you and Jan Roberts of ARMLS speaking on I-MAPP. Should be a super meeting and is the once a month meeting for Ahwatukee.

The 8th of Dec. will be Scottsdales Holiday Party starting at 5 PM--followed by Ahwatukee on the 9th at 11 AM. Next day on the 10 will be Mesa's party at 2 PM. And then Arrowhead will have a party on the 16th at 11 AM. It will also be the last meeting of the year for offices, to be resumed again on Jan. 4th at Ahwatukee.

On the 14th of Dec. is the super meeting for Mesa and Ahwatukee, at SEVRAR. Starts at 9 AM with a regular office meeting, then lunch and then a 3 hour CE class. This has been put together by American Title and should be a great one. This then cancels out the Dec. 17th meeting at Mesa.

There is also a new agent orientation on the 8th of Dec. from 10-12 at the WUSA Business Center.

This is what I have on my calendar for the rest of the year so you can get ready for 2011.

Thanks to all.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Fw: Hillard ---FW: REMINDER - Auto Email Expiration is about to Start!

2010-11-07T09:31:00.000-07:00

This is interesting! This should force everyone to clean out their dead leads--if I am reading this right.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: C Dale Hillard

To: 'Bob Stephens'

Sent: Friday, November 05, 2010 2:30 PM

Subject: Hillard ---FW: REMINDER - Auto Email Expiration is about to Start!

Bob,

This might be worth you sending to agents as a reminder.

Dale

C Dale Hillard,CRB,CRS,GRI,SFR
Designated Broker
West USA Realty
(602) 564-6300
designatedbroker@westusa.com

From: flexAlert@ARMLS.com [mailto:flexAlert@ARMLS.com]
Sent: Friday, November 05, 2010 12:48 PM
To: C. Dale Hillard
Subject: REMINDER - Auto Email Expiration is about to Start!

REMINDER - the Auto Email Expiration feature is about to come into effect.

In August of 2010, FBS, Creators of flexmls, installed a new feature that will automatically expire unopened Auto Email Events. This feature will pause the sending of auto emails to someone who has not opened any of them in the last 90 days. The first round of auto expirations is set to happen on November 18, 2010.

Starting on November 8, notifications will be sent each Monday to those Agents with email events nearing expiration. Please read more to be reminded of how to act on those alerts.

www.armls.com

Join ARMLS on Facebook! | Follow ARMLS on Twitter!

To unsubscribe, send a BLANK email to:
leave-10666368-133989952.937fcdec7c4ab265c87622de8c59c565@mk1.netatlantic.com

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Add flexAlert@ARMLS.com to your email address book to ensure delivery
Unsubscribe

Fw:

2010-10-23T13:18:00.000-07:00

This article is very reminiscent of times gone by for some of us and as it seems, simpler times.

Written by Donna Berry's daughter Carol for the Santa Maria Sun, I find her style very easy and enjoyable for all.

This is the 3rd one I have sent for you all to enjoy.

Let me know AND, if you can, her editor Ryan Miller!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: A. Carroll Waterman

To: Alan Defever ; Donna Berry ; kagecom@kage.com ; Kellie Presta ; Michele Cancolla ; Mike Pastor ; Ron-and-Alyson Presta ; Serena Belsby ; Sharon Defever ; Sophie Belsby

Sent: Thursday, October 21, 2010 11:10 PM

Hello, and happy autumn to all our family!

Here is my recent article for the Santa Maria Sun. I'd love to know what you think, as so would my editor (Ryan Miller), if you want to drop him a note. His e-mail address is: rmiller@santamariasun.com

Click on the link below for the article, and thank you for your comments!

http://www.santamariasun.com/commentary/5525/dont-axe-me-i-just-lurk-here/

Carol

Re: Fw: HUD Registration -- All West USA Agents

2010-10-06T17:40:00.000-07:00

Thanks Steve--actually that # IS wrong .

It is WUSRLT 4751

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: steve@absoluteeconomizer.net

To: Bob Stephens

Sent: Wednesday, October 06, 2010 5:33 PM

Subject: RE: Fw: HUD Registration -- All West USA Agents

Just tried to sign up. Said NAID # not valid. Did a search using the below # and said not found.

Steve Knievel

-------- Original Message --------
Subject: Fw: HUD Registration -- All West USA Agents
From: "Bob Stephens" <rstephens@onmbb.com>
Date: Wed, October 06, 2010 5:19 pm
To: "AAAABob Stephens" <rstephens@onmbb.com>

TO ALL AGENTS!

SELLING HUD HOMES WILL SOON BE A DIFFERENT PROCESS. FOLLOW THE INSTRUCTIONS THAT HAVE COME FROM DALE AND BE READY WHEN THE TIME COMES.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

----- Original Message -----
From: C Dale Hillard

To: 'Bob Stephens' ; Debbie Quain ; Michelle Sealy ; Daniel McCarthy

Sent: Wednesday, October 06, 2010 5:06 PM

Subject: HUD Registration -- All West USA Agents

Read Below

Please send to all associates.

Good Afternoon,

I am sending you this email to let you know that HUD has created a new website www.hudhomestore.com that it appears all agents will be required to use at some point in the near future if they are going to bid on HUD homes. It is important that you go to the website and register as a "Bidder" (look in the upper right hand corner of the site). Complete your registration so you will be registered if and when HUD requires you to use the site. Our NAID # is WUSRLT4715 and you will need that to register. I have signed up as the Designated Broker and one agent has already successfully signed, too.

Thanks

Dale

C Dale Hillard,CRB,CRS,GRI,SFR
Designated Broker
West USA Realty
(602) 564-6300
designatedbroker@westusa.com

The contents of this e-mail are private and confidential. To that end, if you believe you have received this e-mail in error, you are advised to immediately delete this email and contact the sender.

Fw: HUD Registration -- All West USA Agents

2010-10-06T17:19:00.000-07:00

TO ALL AGENTS!

SELLING HUD HOMES WILL SOON BE A DIFFERENT PROCESS. FOLLOW THE INSTRUCTIONS THAT HAVE COME FROM DALE AND BE READY WHEN THE TIME COMES.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: C Dale Hillard

To: 'Bob Stephens' ; Debbie Quain ; Michelle Sealy ; Daniel McCarthy

Sent: Wednesday, October 06, 2010 5:06 PM

Subject: HUD Registration -- All West USA Agents

Read Below

Please send to all associates.

Good Afternoon,

I am sending you this email to let you know that HUD has created a new website www.hudhomestore.com that it appears all agents will be required to use at some point in the near future if they are going to bid on HUD homes. It is important that you go to the website and register as a "Bidder" (look in the upper right hand corner of the site). Complete your registration so you will be registered if and when HUD requires you to use the site. Our NAID # is WUSRLT4715 and you will need that to register. I have signed up as the Designated Broker and one agent has already successfully signed, too.

Thanks

Dale

C Dale Hillard,CRB,CRS,GRI,SFR
Designated Broker
West USA Realty
(602) 564-6300
designatedbroker@westusa.com

The contents of this e-mail are private and confidential. To that end, if you believe you have received this e-mail in error, you are advised to immediately delete this email and contact the sender.

Fw: ActiveKEY Roll Out Exchange Events

2010-09-28T05:19:00.000-07:00

Good morning--I am forwarding info that you need to know.

I first informed you of the coming change on 6-30-10 and many of you did it.

Now, the change is an absolute so you need to "git 'er done now".

Supra offices can also do this for you!

The key updater in the offices will no longer work so be sure and take care of this issue ASAP.

Thanks--Bob

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: C Dale Hillard

To: 'Bob Stephens'

Sent: Monday, September 27, 2010 12:01 PM

Subject: ActiveKEY Roll Out Exchange Events

Bob,

You may want to send this outto inform our agents. Thx.

Dale

From: ARMLSsupportcenters@ARMLS.com [mailto:ARMLSsupportcenters@ARMLS.com]
Sent: Monday, September 27, 2010 11:59 AM
To: C. Dale Hillard
Subject: ActiveKEY Roll Out Exchange Events

DisplayKEYs will be retired by the end of October. Supra is holding structured events at four locations across the Valley to minimize wait times and facilitate an orderly exchange of the DisplayKEY for an ActiveKEY, for all Subscribers who have not yet received their ActiveKEY.

The events will be held in four locations across the Valley. Subscribers, based on the first four letters of their last name, are assigned a specific time at the location closest to them to exchange their key.

To get your new ActiveKEY you will need to:
1. Bring your DisplayKEY PLUS cradle
2. Bring a government issued photo ID
3. Allow up to one hour to receive your ActiveKEY

The locations and the dates are as follows:
SE Valley Event Site - Monday, October 4th Friday, October 8th
**The event will be in Bldg C except on Wednesday, October 6, when the event will be in Bldg B.
Mesa Convention Center
201 N Center St.
Mesa, AZ 85201
Click to learn your designated appointment at this location.

Scottsdale Event Site Monday, October 4th Thursday, October 7th
Monterra at Westworld
16601 N. Pima Rd
Scottsdale, AZ 85260
Click to learn your designated appointment at this location.

Phoenix Event Site Monday, October 4th Wednesday**, October 6th
**Wednesday will be a half day
Pointe Hilton Tapatio Cliffs Resort
Event Room - Highland Center
11111 North 7th St
Phoenix, AZ 85020
Click to learn your designated appointment at this location.

Glendale Event Site Monday, October 4th Wednesday**, October 6th
**Wednesday will be a half day
University Of Phoenix Stadium (Park near the RED #2 sign)
Event Room - Azsta Grand (take the escalator down to the field level and go right)
1 Cardinals Dr
Glendale, AZ 85305
Click to learn your designated appointment at this location.

Keyholders may still exchange their DisplayKEY for an ActiveKEY at any of the ARMLS Support Centers on a first come first serve basis.

www.armls.com

Join ARMLS on Facebook! | Follow ARMLS on Twitter!

To unsubscribe, send a BLANK email to:
leave-10532789-133989952.937fcdec7c4ab265c87622de8c59c565@mk1.netatlantic.com

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Add ARMLSsupportcenters@ARMLS.com to your email address book to ensure delivery
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Fw: TURNING IN CONTRACTS TO WUSA

2010-09-22T05:17:00.000-07:00

"FLASH"

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, September 21, 2010 6:20 AM

Subject: TURNING IN CONTRACTS TO WUSA

I have had several agents reveal to me that they do not turn in short sale contracts--UNTIL THE BANK GIVES THEIR APPROVAL!

In that case, you are then several months overdue on submitting them to WUSA for broker approval--which must be done within 5 days of becoming a contract--ie: buyer and seller have executed the contract. This is per ADRE 32-2151.01 G. So you see, it is a law!

So, how do you handle a deal that is NOT a short sale? Do you wait until the bank gives approval for the loan?

Of course not and nothing is different in a short sale--So turn in the paperwork ASAP so the broker can review and initial it within 5 days of the executed contract.

This goes for Buyer Broker Agreements also

AND rejected offers (which must be held in a file for at least 1 year)

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

Fw: NAR--TECH IT UP A NOTCH

2010-09-19T08:56:00.000-07:00

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Sunday, September 19, 2010 8:51 AM

Subject: NAR--TECH IT UP A NOTCH

Here is one of the best articles I have ever seen from NAR and it is in the September 2010 issue of REALTOR magazine. It contains all the steps and directions you need to change your methods of doing business for a lot of todays buyers and sellers. Perhaps you have read it but here it is in an email that you can save for reference and later review.

Real estate has changed dramatically for agents and brokers in the last 10 years and we urge you to keep in step with these changes, as will we.

http://www.realtor.org/rmotechnology/articles/2010/1009_technology_techitup

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

MLS PRINT OUT

2010-08-29T15:23:00.000-07:00

NO--IT IS NOT A CONTRACT

Between the buyer and the seller!

I am talking about the MLS printout!

And this email is for those that do not know this.

Week after week, we brokers again explain this issue. Last month, I talked to someone who has been in the business for a couple of years and also a 40 year veteran.

They both believed that since the MLS says certain appliances go with the property then there is no need to write it into the contract.

They are both wrong and now have a new problem to face with their buyers since they represented that the appliances go with the property.

And here's another one--the MLS says that no SPDS or CLUE report is available and then write a contract for a client that states--there WILL be a SPDS and CLUE report. Another pilot error!

The only part of the MLS printout that is a contract is the compensation offer--from the listing broker to the selling broker--and that has nothing to do with the buyers and sellers transaction with each other.

SO, do not ABSOLUTELY rely on the MLS info.

Verify anything that is important and write it into the contract.

My advice--think before you write contracts or you may be writing a check next.

OR--do it the easy way and call a broker if you have doubts about anything--we are happy to help you!

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

POSSESSION AFTER COE

2010-08-29T11:04:00.000-07:00

POSSESSION!

It has many times been a last minute monkey wrench in a property closing and as we see short sales closing, there is far less motivation for sellers to move out on COE

and some don't. They typically get no money from the transaction and sometimes don't have the means to move. When they do get a certain amount for moving, they may have to wait for closing to get a check, rent a new place, get a truck and move which might take several days.

Possession is an issue that should be worked out way before closing but seldom is except the usual contract clause regarding possession.

We had buyers last week that closed escrow but the sellers wanted 2 extra days to get out. This all came about at the COE. The sellers agent told our agent that sellers always get 2 days to move. NO, THAT IS NOT TRUE! If they get extra time to move, then it must be agreed to in writing and that would be per Az. law R4-28-1102 J and then add in K.

So in this case, the buyers are suddenly the bosses and demand $75 a day for rent--BUT the sellers claim that $30 a day is enough. So if no deal is made, then the sellers have contractually agreed to move at COE. So our agent asks if we can call the Sheriff to take them out of there.

The answer is NO--the sheriff only acts on court orders. So the buyers would therefore have to initiate a forcible detainer action in court, obtain a judgment and then execution of the action, if necessary, by the sheriff. This probably takes 3 or 4 weeks. Does this damage the buyers--I would think so and they need to consult with an attorney to recover their damages.

But, as happens in so many cases, the sellers move in a few days and no further action is necessary except the recovery of damages. (In this particular case, they signed the agreement for $75 a day)

However, the buyers probably need to take the necessary steps to begin the removal of sellers and start the process immediately when they don't vacate the property.

The preceding scenario is not something that we can predict accurately but it is sometimes a factor in any closing of property.

Consider the factor of possession when the contract is written.

Also be sure of what is included in the purchase and take pictures of it all--even the window coverings, fans, appliances and so on.

Last week, we had a potential switcheroo nearly happen but it was discovered in time and the agents set it straight. The sellers had new appliances and the old ones were in storage.

And something else--if you sell a house that has one of those "contractor lok-boxes" please know and remember that every thief in town knows the codes to these things, so this is even more reason to take pictures of whatever is included in a sale.

Need questions answered on "stuff" like this?

Call and ask for Broker help! We are happy to help you.

BEGIN--THE REST IS EASY

Bob Stephens CRB e-PRO

Managing Broker

West USA Realty

THE OPEN HOUSE CAN BE AN EFFECTIVE STRATEGY

2010-07-25T18:26:00.001-07:00

The Open House Can Be A Effective Straegy

Posted: Friday, July 23, 2010

Category: Marketing Plans

Now that realtors have access to the MLS listings on-line, some are questioning if the traditional method of holding an open house is still in fact viable. But is it still a worthwhile idea to spend the time and energy to have an open house? Consider that up to 48 percent of the property purchasers use the phrase open house in their search engine queries. Research illustrates that this proven practice remains an successful strategy, so it just makes sense to take advantage of the opportunity.

Of course, just putting an Open House sign on the lawn will not guarantee you the results you are looking for, so start setting up your action plan a few weeks in advance by posting on the internet and printing flyers. understanding which features are most critical to potential buyers will create a different open house strategy for a Brampton real estate agent versus other realtors in other cities. Evaluate the area and determine the best places to put up directional signs to funnel in traffic from the major arteries and side streets. A few days before the open house, boost up the attention by handing out flyers to the surrounding homes in the neighborhood. Make certain there is an announcement on the front page of your site and place notices in the local publication. Make the most of all your publications channels by creating fast and easy methods to direct the public to your current open house listings.

Once open house day is here, it is crucial to make the most of the opportunity. Meet the buyers at the doorstep and be friendly and educative. Try to prevent from pre-judging anyone who walks through your open house, as their appearance or race has no impact on their level of interest. Areas such as the Burlington Ontario real estate sector consist of a lot of different kinds of people which makes judging if a person can afford a home that much more difficult. They might actually be evaluating your methods to see if they want to use you as their agent. Instead of barraging them with typical sales questions pay careful attention to what they have to say and respond with specific questions that show you are paying attention to their requirements.

In a lot of the real estate courses that you have attended over your career you have certainly been informed that if a home stands out to the potential purchaser it has a better potential to sell. Once the visitors have toured the open house, you need to make sure you offer them some easy-to-carry handouts that will prompt them to remember your property and your property because they may view numerous houses in a single outing and you want to assure yours will stay fresh in their minds. If you are able to create a complete handout to the neighborhood that also provides useful tips on searching for a home you have a much greater possibility of hearing from them again. In this handout you can also include information regarding properties that are in a similar price bracket, even if they are not represented by your brokerage, so they can do their own comparisons. Offer maps of the area and simple internet links that will guide them to detailed facts on the web. You should keep in mind the reality that an open house day can have a return on the investment, and regardless if you do not see results the day of the event, the energy you put into making it properly can pay off later on.

2010-07-15T17:41:00.001-07:00

Commercial Turnaround Likely Next Year
Vacancies are still increasing in many parts of the U.S. and new commercial construction will be sparse this year, Kermit Baker, chief economist for the American Institute of Architects said Wednesday.

“There are a number of factors at play here that are contributing to one of the steepest construction downturns in generations,” said Baker. “We have businesses nervous about expanding their facilities, a fragile financial sector, excess commercial space, and general unease in the international economy.”

He predicted that demand for retail, hotels, healthcare, and recreation facilities will result in a turnaround in 2011.

Source: Los Angeles Times, Roger Vincent (07/14/2010)

OUTLOOK EXPRESS ADDRESS BOOK

2010-07-02T18:56:00.000-07:00

I have an XP operating system in a computer and I love the Address Book. I am able to take people from the main menu and put them in groups very easily. Then I am also able to transfer from one group to another at will--just click on Select Members and transfer them from the 2 windows that come on. Perfect and easy!

So on my other BIG computer that has VISTA is something called Windows Mail. It is impossible to do the same thing with this. I really need to be able to transfer names around and I have over 1200 of them sorted into over a dozen groups. What a PITA this is and takes countless hours to accomplish when I have to RE-TYPE all the names when I want to change their positioning.

How can I get the slick XP address book functions over into Vista?

I am desperate for an answer to this!

Anyone know it?

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

GRI 202 WITH DALE

2010-07-02T07:23:00.001-07:00

PROMOTE YOUR CAREER IN REAL ESTATE WITH A GRI 202 DESIGNATION!

Dale will be teaching it at PAR on the 14th and 15th of July, 2010.

I have included the attachment needed to sign up for it so you can plan ahead.

So commit to it now because it will make money for you in the future.

Can you see it now?--Graduate, Realtor Institute 202---GRI

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

ACTIVE KEY AVAILABLE NOW

2010-06-30T06:05:00.000-07:00

GOOD NEWS!

Your new ACTIVE KEY (L.B. KEY) IS AVAILABLE NOW!

No money needed, if you already have one--just take the old one with the cradle and exchange for the new one.

It comes with a home charger BUT you can buy a car charger for it as an extra.

Bernadette got hers yesterday but hardly anyone knows about it yet.

So, beat the crowd and get yours.

And it is wireless so you won't get a cradle with it and it updates itself!

GO TO A SUPRA LOCATION TO GET IT

THERE IS ONE AT SEVRAR AND I DON'T KNOW WHERE THE OTHER LOCATIONS ARE. CALL THEM.

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

2010-06-29T15:52:00.000-07:00

House OKs extension of tax credit closing deadline
Senate could vote Wednesday By Inman News, Tuesday, June 29, 2010.
Inman News
In a 409-5 vote, House lawmakers have passed a standalone bill that would extend for three months Wednesday's deadline for closing on a home purchase in order to claim the federal homebuyer tax credit.
The Senate could vote on the bill, HR 5623, as soon as tomorrow, although the death of Sen. Robert Byrd, D-W.Va., has slowed the pace of work in that chamber.
Without an extension, the National Association of Realtors estimates as many as 180,000 homebuyers who were under contract by April 30 may miss the June 30 closing deadline, including 17,700 in California, 15,340 in Texas, 14,830 in Florida and 9,130 in New York.
"Keep your fingers crossed," said Lucien Salvant, an NAR spokesman, who said prospects for quick passage of the bill are mixed.
While some observers think HR 5623, "The Homebuyer Assistance and Improvement Act," could sail through without further delay, there's no guarantee it will come to a vote, Salvant said.
The Senate is already on record supporting an extension, having amended a bill on June 16 to push the deadline back to Sept. 30. But other provisions of that bill, the "American Jobs and Closing Tax Loopholes Act of 2010," have proved controversial, prompting House lawmakers to introduce a standalone bill.
Contact Inman News:

2010-06-28T10:04:00.001-07:00

Bill Extending Tax Credit Closing Deadline Falls Through in Senate

By: Carrie Bay 06/25/2010

An amendment that would have extended the closing deadline for the home buyer tax credit by three months failed on the Senate floor this week.

Senate Majority Leader Harry Reid (D-Nevada) proposed the extension, and the amendment itself was approved by a large margin last week as an add-on to H.R. 4213, the American Jobs and Tax Loopholes Act.

Republican senators, though, defeated the full measure on Thursday, for the third time, when Democrats moved to end debate and push it to a chamber vote. Reid has indicated that after three unsuccessful attempts, he plans to drop the matter altogether.

The amendment would have extended the tax credit deadline for closing on a home purchase to September 30. The current deadline is June 30.

The National Association of Realtors (NAR) says some 180,000 homebuyers who signed contracts in time will not be able to make the June 30 closing deadline, simply because of the time it takes for lenders to complete transactions. The trade group estimates that 75,000 of those who will miss out on the tax break are buyers of distressed properties.

NAR says its members have reported that as many as one-third of qualified applicants have already been notified by lenders that their mortgages will not close before June 30, due to the sheer volume of applications in the pipeline.

The tax credit amendment was just one piece of the multi-faceted bill that was primarily intended to extend unemployment benefits for Americans out of work for more than six months.

Republicans rallied against the measure on the grounds that it would have added $30 billion to the “already staggering national deficit,” they said.

Fw: Senate Approves Closing Date Extension until September 30 forHome Buyer Tax Credit Program

2010-06-20T20:03:00.000-07:00

Here is an email that I got from Pam Herrington of Prospect Mortgage. This is exciting info and we just have to wait for it to become law, and I hope that is soon.

It is tied into the NFIP Insurance program bill that is waiting to be passed .

Bob Stephens

This is good, but the key is that they needed to be under contract since April 30 and if they are having to wait five

Months to close! Wow! BUT it is a good move…too bad they didn't just bring back the actual Tax Credit. Oh well.

This will help those that are having challenges getting their deals signed off from sellers and selling banks.

Pamela Herrington, CRMS
Senior Loan Officer
NMLS# 209227
480-294-4989 Direct
877-455-4179 Fax
Pamela.Herrington@prospectmtg.com
www.MyProspectMortgage.com/PHerrington

From: Chief Operating Officer
Sent: Friday, June 18, 2010 10:26 AM
To: Chief Operating Officer
Subject: Senate Approves Closing Date Extension until September 30 for Home Buyer Tax Credit Program

**Distributed To: All Staff/All Locations**

For Internal Distribution Only

June 18, 2010

Senate Approves Closing/Funding Date Extension until September 30th for Home Buyer Tax Credit Program

On Wednesday afternoon, the Senate OK'd a proposal to add three more months to the closing schedule of the tax credit program, extending the deadline until September 30, 2010. The extension applies only to sales that went to contract by April 30.

The amendment has been strongly supported by the National Association of Realtors, who estimates that 180,000 buyers who had a contract in place by April 30 still would be unable to close on their home by the end of this month.

For the amendment to become law, the House and Senate must reconcile their bills. With the housing market still teetering, any move that may help sales numbers is likely to get Congress' attention.

We will notify our customers and business referral partners about this exciting news through special editions of Mind Your Money, which distributes today to all consumers, and Industry Insider, which distributes tomorrow to all business partners. All regular recipients of Mind Your Money and Industry Insider automatic emails will receive the special edition emails.

We will send further updates on this important issue as further information becomes available.

Tom Fiddler

Chief Operating Officer

Prospect Mortgage

For Internal Distribution Only

Confidentiality Statement: This email may contain attorney-client privileged or confidential information. It is for the sole use of the intended recipient(s). If you have received this transmission in error, immediately notify us by telephone at 818-981-0606 and return the original message to us at Prospect Mortgage, 15301 Ventura Blvd.,Suite D300,Sherman Oaks, CA 91403 via the United States Postal Service.

Fw: ARMLS LB KEY

2010-06-20T19:19:00.000-07:00

Here is a link that will get you to Pool Barrier Law info to many different municipalities, for your clients use.

http://www.aaronline.com/documents/pool_contacts.aspx

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Sunday, June 20, 2010 8:43 AM

Subject: ARMLS LB KEY

Here is a new flyer from ARMLS regarding the new Active Key.

PLEASE don't ask ME questions about it--I got the same flyer that you do, so just read it.

Looks like a positive move and much more efficient.

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

Real Estate Marketing Strategies – How You Can End The Habit Of Procrastination For Good

2010-06-20T16:14:00.001-07:00

As a business coach for real estate professionals for the last 12+ years, I often hear the same question from my clients, “How do I stop procrastinating and do what I need to do to pick up the phone?”

This article will give you a strategy guaranteed help you overcome the old pattern of procrastination.

Here’s the KEY: Pick a goal that is manageable for you

I was working with the client this morning named Steve who had been feeling stuck all week and unable to pick up the phone.

We identified that he clearly had an avoidance pattern going on. I asked that part of him to tell us why it had been preventing my client from making his prospecting calls.

It very clearly answered, “30 contacts today seems like too much. Steve will fail, and then he will be criticizing himself. I don’t want him to go through that pain so I’m stopping him from making the calls altogether.”

We did some negotiating with his “avoidance part” and it wasn’t long before a win-win agreement was reached.

The “avoidance part”, now called his Ally, was very agreeable to Steve making the calls as long as he would lower the number to 20 contacts a day when he sat down to prospect.

Steve knew that he could do 20 contacts today, he done it before and he felt very confident of his ability to do that.

Furthermore, a part of him that had been preventing him from taking the phone was now agreeing to be his Ally with a brand-new job description.

The deal was this: Steve’s part was to get on the phone and make 20 contacts a day. The Ally’s part was to:

1. Nudge him to get on the phone

2. Praise him for his efforts

3. Protect him from self judgment and criticism

At the end of the session, Steve reported feeling energized and highly motivated. We worked out some action steps and accountability along with a set of empowered beliefs. With his new and more realistic goal of reaching 20 clients instead of 30, the procrastination stopped.

Here’s a Tip: Procrastination is just another word for fear.

Next time you are procrastinating ask yourself these questions:

·What am I afraid of?

·What self limiting belief is driving me?

·What is a manageable action step?

Pick something you know you can achieve, take action, feel successful, and use that as a springboard for your future action.

I had to post this article by Dr. Maya Bailey, as this is one of the very important topics we discuss in my Career Enhancement Workshops. Where I try to hold you accountable, of if you will give you a "nudge" now and then. Hope you find great value in reading about this information that we have all heard before, but still have "moments" of procrastinating.

Enjoy learning from your Trainer and Coach! Lynn Sperry :-)

2010-06-16T18:44:00.001-07:00

Senate OKs new tax credit closing deadline

Backers of amendment cite backlog of 180K home-buyers

By Inman News, Wednesday, June 16, 2010.

Inman News

The Senate has amended a bill to give home buyers who were under contract on a home purchase by April 30 an additional three months to close the deal and claim the federal home buyer tax credit.

Extending the deadline for closing from June 30 to Sept. 30 would allow lenders more time to clear a backlog of 180,000 home buyers nationwide, said amendment sponsor Sen. Harry Reid, D-Nev.

The amendment to HR 4213, the "American Jobs and Closing Tax Loopholes Act of 2010" -- which primarily extends unemployment insurance benefits -- was approved in a 60-37 vote Wednesday. The vote was mostly along party lines, with only four Republicans in favor and one Democrat opposed.

"While I am disappointed that more Republicans did not support this common-sense measure to strengthen the economy and reduce the deficit, I am committed to ensuring that more Nevadans and Americans can become homeowners and that this amendment becomes law," Reid said in a statement.

The House passed an earlier version of the bill in December, and the Senate approved its own version in March. The Senate is currently working on resolving differences between the two bills.

The National Association of Realtors supports the amendment, saying Realtors have reported that as many as one-third of qualified applicants have been told by lenders that their loans will not close before June 30 because of the sheer volume of loan applications in the pipeline.

The amendment does not extend the deadline for home buyers to qualify for the tax credit, NAR said in urging lawmakers to approve it, but simply extends the deadline for closing transactions already in contract.

"Since these applications were already in the pipeline and figured into the program's cost, the extension of the closing deadline should not incur any further government costs," NAR President Vicki Cox Golder said in a statement.

There has been some speculation that some home buyers will attempt to submit fraudulent claims for the tax credit by backdating documents showing they were under contract by April 30, and that extending the deadline for closing would expose the government to more fraudulent claims.

Fw: CLAY FOUTS CORONADO BEACH RESORT

2010-04-19T06:28:00.000-07:00

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, April 17, 2010 6:47 PM

Subject: CLAY FOUTS CORONADO BEACH RESORT

HERE IS YOUR CHANCE TO ACT FAST BECAUSE THIS WON'T LAST. Clay has two weeks at the Coronado Beach resort available for the week's of July 12--19th AND August 16--23. And he only wants $1500 for each week. These are 1 bedroom units that sleep 4 people. They have a refrigerator, micro, TV's and completely furnished with dishes, silverware and pots to cook in.

Across the street from the Del Coronado Resort and the beach.

Call Clay at the corp. office--602-942-4200. Ask for Debbie, if he is not there.

GOOD LUCK!

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

Fw: DSNEWS AND JON'S UPDATE

2010-04-08T21:00:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Thursday, April 08, 2010 7:03 AM

Subject: DSNEWS AND JON'S UPDATE

Jon Kichen has summarized his presentation from last weeks office meetings and I have attached it for you, in this email.

Another bit of news is the Treasury Dept. guidance for Home Affordable Foreclosure Alternatives (HAFA) program which became effective April 5, 2010 for participating servicers' short sale methods for homeowners who don't qualify for the Home Affordable Modification Program (HAMP).

I sent this info to you around the first of this year and here is how to find it as reported by DSNEWS. Go to www.dsnews.com and scroll to the bottom of the page to find "archives". What you are looking for is found in Dec. 1,2009.

I do not know how to implement this action and will seek your input as you gain experience in this matter. It is supposed to provide $1500 for the homeowner to be able to move at COE.

This would be a big help for most sellers.

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

Fw: Tenant in foreclosure sale has protections

2010-03-03T20:50:00.000-07:00

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, March 03, 2010 8:08 PM

Subject: Fw: Tenant in foreclosure sale has protections

Many questions keep coming up regarding tenants rights in short sales and foreclosures.

The news article here by Chris Combs makes some interesting points and then you can click on my hyperlink to get the info from the very important May 2009 law enacted by Congress.

You will go to Andy Hull's site for this one! Click on the red letters at the top of the site.

http://www.doctorevictor.com/

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: Wednesday, March 03, 2010 6:15 AM

Subject: Tenant in foreclosure sale has protections

You have received a link to azcentral.com content from bob@westusa.com.

To access the content, click the link below or copy and paste the full address into your Web browser:

Tenant in foreclosure sale has protections

http://www.azcentral.com/php-bin/clicktrack/email.php/9163503

Fw: Things Your Burglar Won't Tell You

2010-02-26T07:23:00.000-07:00

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

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

From: Stuart, Andrew

To: Bob Stephens

Cc: Laura Robinson

Sent: Tuesday, February 16, 2010 9:11 AM

Subject: FW: Things Your Burglar Won't Tell You

Andrew Stuart sent this piece for me to distribute to you and I suggest making it available to clients and on your web site.

These items are from actual burglars from a prison site.

Andrew is from the Glendale Police Dept. and has been a speaker at the Arrowhead meeting.

He is very knowledgeable on crime prevention and self protection.

Thanks Andrew!

Bob,

Share this with our group.some common sense stuff you need to think of as you go about your activities of daily living. Personal safety is NEVER takes a vacation!!!!!

Andrew Stuart

Glendale Police Department

1. Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator.

2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier.

3. Love those flowers. That tells me you have taste ... And taste means there are nice things inside. Those yard toys your kids leave out always make me wonder what type of gaming system they have.

4. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it.

5. If it snows while you're out of town, get a neighbor to create car and foot tracks into the house. Virgin drifts in the driveway are a dead giveaway.

6. If decorative glass is part of your front entrance, don't let your alarm company install the control pad where I can see if it's set. That makes it too easy.

7. A good security company alarms the window over the sink. And the windows on the second floor, which often access the master bedroom-and your jewelry. It's not a bad idea to put motion detectors up there too.

8. It's raining, you're fumbling with your umbrella, and you forget to lock your door-understandable. But understand this: I don't take a day off because of bad weather...

9. I always knock first. If you answer, I'll ask for directions somewhere or offer to clean your gutters. (Don't take me up on it.)

10. Do you really think I won't look in your sock drawer? I always check dresser drawers, the bedside table, and the medicine cabinet.

11. Helpful hint: I almost never go into kids' rooms.

12. You're right: I won't have enough time to break into that safe where you keep your valuables. But if it's not bolted down, I'll take it with me.

13. A loud TV or radio can be a better deterrent than the best alarm system. If you're reluctant to leave your TV on while you're out of town, you can buy a $35 device that works on a timer and simulates the flickering glow of a real television. (Find it at faketv.Com.)

14. Sometimes, I carry a clipboard. Sometimes, I dress like a lawn guy and carry a rake. I do my best to never, ever look like a crook.

15. The two things I hate most: loud dogs and nosy neighbors.

16. I'll break a window to get in, even if it makes a little noise. If your neighbor hears one loud sound, he'll stop what he's doing and wait to hear it again. If he doesn't hear it again, he'll just go back to what he was doing. It's human nature.

17. I'm not complaining, but why would you pay all that money for a fancy alarm system and leave your house without setting it?

18. I love looking in your windows. I'm looking for signs that you're home, and for flat screen TVs or gaming systems I'd like. I'll drive or walk through your neighborhood at night, before you close the blinds, just to pick my targets.

19. Avoid announcing your vacation on your Facebook page. It's easier than you think to look up your address.

20. To you, leaving that window open just a crack during the day is a way to let in a little fresh air. To me, it's an invitation.

21. If you don't answer when I knock, I try the door. Occasionally, I hit the jackpot and walk right in.

Sources: Convicted burglars in North Carolina, Oregon, California, and Kentucky; security consultant Chris McGoey, who runs crimedoctor.Com; and Richard T. Wright, a criminology professor at the University of Missouri-St. Louis, who interviewed 105 burglars for his book Burglars on the Job.

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
This email and files transmitted within are intended solely for the use of the individual or entity to whom
they are addressed, if you have received this email in error please delete it and notify the sender of the
message. Any views expressed in this message are those of the individual sender,except where the sender
specifies them to be the views of the City of Glendale Arizona.
Message scanning was performed by Websense e-mail security software and virus detection software.

Fw: LANDLORD TENANT ACT DECEMBER 2009

2010-01-08T07:53:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Thursday, January 07, 2010 7:18 AM

Subject: LANDLORD TENANT ACT DECEMBER 2009

Good morning---Everyone in real estate should have a copy of the Az. Landlord Tenant Act and here is the link to the latest revised statutes.

You need to provide the link to tenants as stated in leases.

http://www.azsos.gov/public_services/Publications/Residential_Landlord_Tenant_Act/Residential.pdf

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

Fw: LostOurHome.org Thanks You

2010-01-04T06:07:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Monday, January 04, 2010 6:02 AM

Subject: Fw: LostOurHome.org Thanks You

By the way, ANY office of American Title will take in pet food and send to LOHPF.

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Monday, January 04, 2010 5:52 AM

Subject: Fw: LostOurHome.org Thanks You

Good morning---Here is a forwarded message from the Lost Our Home Pet Foundation thanking those that gave and soliciting others to give. I plan to take my first donation of this year to Toni this Thurs. at the meeting in Arrowhead. This message will also be on the West USA blog and here is the link for other messages you may want to view:

http://westusaagents.blogspot.com/

Bookmark this one!

Thanks to all!

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

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

From: Toni Taylor

To: rstephens@onmbb.com

Sent: Friday, January 01, 2010 3:43 AM

Subject: LostOurHome.org Thanks You

For all of you (sooooo many that I cannot even begin to name you all!) that helped with the pet food/pet supply efforts this year for the Lost Our Home Pet Foundation - THANK YOU!

I am continuing to help throughout 2010 and I hope you will consider helping also when you are able to.

I wanted to share the email I received from LostOurHome.org

Lost Our Home Pet Foundation
December 31st, 2010

I want to wish you all a safe and happy New Year and a heartfelt thank you for making it possible to rescue so many pets this year. Everyone's contribution between fostering, volunteering and donating this year has helped over 400 pets!! I just ran a report and in the past 12 months we took into the rescue exactly 400 pets, but we have many more that we are in the process of taking in that are not in our database system yet (still trying to find fosters for). We have found homes for 342 pets (this include the pets that were returned to the owner that we had for temporary fostering). We have also collected and distributed over 100,000 pounds of pet food through our food bank, paid thousands of dollars in vet care for pets in pain when the owner could not afford it, and have done Trap, Alter, Release on over 120 feral cats since that program started late this year. This is an incredible achievement for a new rescue in it's first full calender year being open (especially without having a shelter) and none of it could have been done without combined effort of all the wonderful, caring people who helped. I know with everyone's support that we will be able to help more and more pets as we grow the rescue together.

Thank you for all you done for the animals. Have a happy, healthy, and prosperous New Year, and lots of love to all of our furry friends.

Jodi Polanski
Founder/Executive Director
www.LostOurHome.org

p.s. If you have not received a receipt for your tax deductible donation, please email me jodi@lostourhome.org (or Toni - ttaylor@atsaaz.com) so we can make sure you have one.

This message was sent from Toni Taylor to rstephens@onmbb.com. It was sent from: American TItle, 16150 N. Arrowhead Fountain Center Drive, Suite 120 , Peoria, AZ 85382. You can modify/update your subscription via the link below.

Email Marketing by

Manage your subscription

Fw: FICO sheds some light on scoring

2009-12-22T20:31:00.000-07:00

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.

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

2009-12-19T16:05:00.000-07:00

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

2009-12-02T18:47:00.000-07:00

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

2009-11-19T06:23:00.000-07:00

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

2009-11-19T06:14:00.001-07:00

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

2009-11-07T07:57:00.000-07:00

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

2009-11-06T11:49:00.000-07:00

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

Expand and Extend- Final Thank You

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

2009-11-03T06:03:00.000-07:00

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

2009-10-20T18:25:00.000-07:00

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

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

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

2009-10-17T06:11:00.000-07:00

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

If you wish to be removed from further correspondence, please Click Here to submit "removal".

Fw: UPCOMING CLASS

2009-10-08T07:29:00.001-07:00

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

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

From: Connie Nell

To: bob@westusa.com

Sent: Wednesday, October 07, 2009 8:18 PM

Subject: UPCOMING CLASS

Hi Bob,

After much research I found a great class, "Mastering Short Sales", which Jeff Swanson and I will be sponsoring along with Robin Brand, a lender and hopefully Brian Ford. Details of the class are as follows:

Dates: November 2^nd and 3^rd

Time: 9:00 am 5:00 pm (2-day course)

Location: Americor Building

Cost: $100

Credit Hours: 15

I know you are very interested in your agents learning as much as they can on this subject. I haven't had a chance to get a flyer prepared; however, I will have a handout for the office meetings in the morning. I have attached an information sheet on the class for you.

This class comes highly recommended by Melody Hoover, Education Director of WEMAR. Over 400 agents have attended the classes WEMAR has sponsored. Melody shared the reviews the agents completed following the course with me and they were all extremely positive. In addition, I have talked to several agents who have taken Desiree's course all of which raved about the course content and the thoroughness, knowledge and presentation skills of Desiree.

Jeff and I hope you will help us promote this event. We feel like you could get more agents to attend in a week than we could in a month. So many of the agents hold your opinion in high regard and listen to your recommendations.

See you in the morning.

CONNIE NELL

E-mail: cnell@atsaaz.com

Mobile: 623-224-7010

Fw: BOOKS-BOOKS-BOOKS

2009-10-05T09:00:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Monday, October 05, 2009 8:51 AM

Subject: BOOKS-BOOKS-BOOKS

Here is a 5 week notice of a book collection for the Veterans Hospital being conducted by American Title.

What a way to make the hours pass constructively if the guys and gals had good books to read. Please donate to help all of those who served.

I have two boxes packed already and thanks, American Title for doing this!

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

Fw: SURPRISE/LUKE NOTIFICATION MAP

2009-10-02T05:31:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Thursday, October 01, 2009 6:47 AM

Subject: SURPRISE/LUKE NOTIFICATION MAP

Here is the link to get to the map that must be carried by all real estate agents that are working in the area of Surprise--IT IS A LAW THERE and you could do jail time for not having it; was the last report that I had.

ALWAYS carry this map when showing property in Surprise. Give a copy to your clients and get them to acknowledge in writing that you have given it to them and date it.

http://www.surpriseaz.com/Search.aspx?SearchString=luke

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

Fw: Surprise/Luke notification map

2009-10-01T06:17:00.001-07:00

This is my original notice sent 1-14-2007

The link is included!

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Sunday, January 14, 2007 4:54 PM

Subject: Fw: Surprise/Luke notification map

BEGIN--THE REST IS EASY
Bob Stephens CRB e-PRO
Managing Broker
West USA Realty
----- Original Message -----
From: "Bob Stephens" <RealtyPower@cox.net>
To: "AAABob Stephens" <realtypower@cox.net>
Sent: Sunday, August 21, 2005 9:33 AM
Subject: Surprise/Luke notification map

> Good morning--For those that may have forgotten, here is the link for the
> Surprise notification map. You should locate the approx. location of the
> home that you are selling and mark it on the clients map and also yours.
> Have the client initial both maps and keep one for your records.
> http://snipurl.com/bep8 Don't get caught showing Surprise property
> without copies of the map in your possession. You could be fined and serve
> jail time for this infraction of the Surprise laws.
>
> BEGIN--THE REST IS EASY
> Bob Stephens CRB e-PRO
> Managing Broker
> West USA Realty

Fw: WHY DO SHORT SALES DUMP OUT?

2009-09-29T19:41:00.000-07:00

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, September 29, 2009 6:53 PM

Subject: WHY DO SHORT SALES DUMP OUT?

I have here, a link to a blog that seems to explain a lot about short sales BUT check it out and make your own analysis of the situations addressed in the blog. Are you also having these problems? Be sure and read all the replies and followup.

Written by a fellow from Phoenix on Active Rain.

http://activerain.com/blogsview/1243528/is-the-fdic-killing-short-sales-

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

Fw: SHORT SALES AND FORECLOSURE CERTIFICATION

2009-09-23T18:02:00.000-07:00

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, September 23, 2009 7:25 AM

Subject: SHORT SALES AND FORECLOSURE CERTIFICATION

NAR has a class for SHORT SALES AND FORECLOSURE RESOURCE CERTIFICATION.

The fee for this cert is WAIVED thru 12-31-09 and is normally $175. For info go to http://www.Realtor.org and on the right side,click on "get more ss info" which leads to "ss tips and tools", then click on "ss and foreclosure certification" leading to another link "learn what it takes to become SFR certified".

Check this out and most of it is online!

This is something that ALL agents need because "it ain't goin' away folks"!

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

Fw: REALTOR MONTHLY MAGAZINE

2009-09-23T06:03:00.000-07:00

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, September 22, 2009 7:19 AM

Subject: REALTOR MONTHLY MAGAZINE

Your monthly Realtor magazine from NAR needs to be sent to your home address. They come to your offices and are then placed in your mailboxes. Please have them sent directly to your homes so that you have quicker access to the great info in them. Here's how:

Go to www.realtor.org and login. Then go to

My Account. There you will see "update other NAR accounts--change your info in the National Realtor Database System (NRDS) Then go to preferred mail addresses and plug in your home address. This will even update your local AAR and your board for changes.

By the way, your NRDS number is on the cover of the Realtor magazine--it is the first 9 numbers by your address and name.

Thanks--we appreciate it!

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

Fw: FHA PROPERTY FLIPPING WAIVER

2009-09-18T18:39:00.000-07:00

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

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

From: Bob Stephens

To: AAAABob Stephens

Sent: Friday, September 18, 2009 6:14 PM

Subject: FHA PROPERTY FLIPPING WAIVER

Here is some great news that will be welcomed by agents and lenders alike. Just click the link!

http://www.hud.gov/offices/hsg/sfh/waivpropflip.pdf

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