It is not unusual that folks stop by our office to ask questions about title, escrow and closing process.
In the past 24hours, I have been contacted by two property owners who are
currently listed.
One, is listed with the biggest Cleveland area company and the other, with a franchise
broker.located just outside of Cleveland.
For various reasons, they each are very unhappy with the service they are getting
from their agents.
Each of them contacted the listing agents office to request a release from the listing
agreement they signed.
In each case they tell me they were told absolutely NO!
One of them was told by the agent that she was in the business to make money
and what he wanted was not important!.
The other seller was left was in tears by the office manager's response.
I guess this is really none of my business - but they came to me and it does bother me
that these "professionals" are only making the image worse for those hard working Cleveland area
real state agents who put their heart and soul into taking care of their customers and clients as
they should be.
Many sellers stop by that we don't know -
I think they are looking for someone to listen to them.
There is nothing I can do or offer about their problem....
But - I listen!
Showing posts with label Cleveland. Show all posts
Showing posts with label Cleveland. Show all posts
Tuesday, June 18, 2013
Thursday, April 4, 2013
LIVE FOR TODAY - REPEAT!
TODAY'S SELF-TALK: "I live today for today. I learn from yesterday, and prepare for tomorrow, but today I focus on today, and make every precious moment count. Now is my time, this is my moment, and today is my day."
Repeat - Repeat - Repeat!
Repeat - Repeat - Repeat!
Wednesday, March 6, 2013
OBITUARY FROM LONDON TIMES
An Obituary printed in the London Times -
Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame - I'm A Victim
Not many attended his funeral because so few realized he was gone.
If you still remember him, pass this on. If not, join the majority and do nothing.
Today we mourn the passing of a beloved old friend, Common Sense, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
Common Sense lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
Common Sense lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
Common Sense lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
Common Sense took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
Common Sense finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
Common Sense was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame - I'm A Victim
Not many attended his funeral because so few realized he was gone.
If you still remember him, pass this on. If not, join the majority and do nothing.
Saturday, March 2, 2013
LEASE/PURCHASES ARE CONVERTING TO PURCHASE
A new Real Estate Trend has come to our attention
We are getting more "LEASE /PURCHASE" agreements, now converting to the
purchase.
They need a title company to follow the agreement
instructions and close it for them. We do that!
Please give me a call at 440 546 9660 or email me rachel@gatewaytitle.com
If you have questions or need help with this.
That's what we do!
Thursday, February 21, 2013
WHAT MAKES PROPERTIES HOT?
I have watched this strange phenomena for years.:
A home is on the market for months and nothing happens.
Expanded advertising is done and nothing happens.
Open houses are held and nothing happens.
The price is reduced and nothing happens.
Fliers are distributed and nothing happens.
Nothing is done -( status quo) - and nothing happens.
and THEN.........
A potential buyer shows interest ... and then another shows interest...
and maybe even more show interest and something happens!
OFTEN, even a BIDDING WAR happens and the property is ...
SOLD!
What happened?
Why?
I don't know and I can't explain it.
I just know that it is something strange that hppens.
A house gets HOT and everyone seems to want it.
It seems like every house does has it's time. I've watched this over and over.
It does happen - if you're selling, get ready,
This could happen to your property!
HOT! HOT! HOT!
A home is on the market for months and nothing happens.
Expanded advertising is done and nothing happens.
Open houses are held and nothing happens.
The price is reduced and nothing happens.
Fliers are distributed and nothing happens.
Nothing is done -( status quo) - and nothing happens.
and THEN.........
A potential buyer shows interest ... and then another shows interest...
and maybe even more show interest and something happens!
OFTEN, even a BIDDING WAR happens and the property is ...
SOLD!
What happened?
Why?
I don't know and I can't explain it.
I just know that it is something strange that hppens.
A house gets HOT and everyone seems to want it.
It seems like every house does has it's time. I've watched this over and over.
It does happen - if you're selling, get ready,
This could happen to your property!
HOT! HOT! HOT!
Wednesday, February 6, 2013
Two Done, One To Go
Three Sellers contacted me last Friday because they found buyers for their properties and were ready to go.Two of the three have completed signing and we have started the process of closing for them.
Number three's buyer called me yesterday, with questions on lender fees and closing costs. I worked up closing costs for her and emailed. We talked a while as I answered her questions.
This is the part I Love doing.
Most buyers and sellers have very little knowledge of costs and just how it all comes together.
It's not every day you buy or sell a house and things do change also.
Just why in the heck do you need title insurance and what is escrow?
How much is all of this going to cost?
Call me - then you'll know!
PS. I Love what I do!
Number three's buyer called me yesterday, with questions on lender fees and closing costs. I worked up closing costs for her and emailed. We talked a while as I answered her questions.
This is the part I Love doing.
Most buyers and sellers have very little knowledge of costs and just how it all comes together.
It's not every day you buy or sell a house and things do change also.
Just why in the heck do you need title insurance and what is escrow?
How much is all of this going to cost?
Call me - then you'll know!
PS. I Love what I do!
Tuesday, January 29, 2013
Okay, I VENTED - I'M FEELING BETTER NOW!
It's safe to call or email me if you need to know what it will cost
to buy or sell that piece of real estate in Ohio.
Email them to: rachel@gatewaytitle.com
Call me at Gateway Title: 440-546 9660
I really do enjoy helping you and
answering your questions.
to buy or sell that piece of real estate in Ohio.
Email them to: rachel@gatewaytitle.com
Call me at Gateway Title: 440-546 9660
I really do enjoy helping you and
answering your questions.
She said::"SHARPEN YOUR PENCIL" - REALLY?
I get calls from buyers and sellers everyday.
They ask a million questions about all phases of real estate.
Much of the time it is about closing costs.
I always take the time to explain who usually pays for what and how much.
Now, this is not something I just throw out there. Many of the fees
depend on the price or if it is a refinance. the amount of the loan.
That being said, I'll explain to you how I figure costs.
1. Examination of records to determine the condition of the title.
2. Escrow fee to cover the cost of escrow officer who handles all of the paper work
and funds required, clears the title so that buyer gets marketable title, prepare paper work
from the lender for buyer, get deed for seller, pay all of the bills,
make sure the buyer gets the property
and disburse to seller their money and more...
3. Title insurance premiums in Ohio are all the same since Ohio is a "rated state".
The cost of the insurance is based on the price or mortgage amount.
TOTAL closing costs will be more than the above three items.
We have to collect up front from buyer and/or seller for transfer tax, filing fees, lenders' mortgage fees,
real estate commissions and other recording fees, cost of survey, wire fees, overnight fees..and it goes on and on.
What ever the contract states - we do!
So -there are TWO fees that I control:
TITLE & ESCROW
So, depending on the information you provide, based on the selling price, I can figure out an estimate of closing costs for both buyers and sellers.
Just give me call.
But.... please remember, there are many costs I collect not many are actually mine!
They ask a million questions about all phases of real estate.
Much of the time it is about closing costs.
I always take the time to explain who usually pays for what and how much.
Now, this is not something I just throw out there. Many of the fees
depend on the price or if it is a refinance. the amount of the loan.
That being said, I'll explain to you how I figure costs.
1. Examination of records to determine the condition of the title.
2. Escrow fee to cover the cost of escrow officer who handles all of the paper work
and funds required, clears the title so that buyer gets marketable title, prepare paper work
from the lender for buyer, get deed for seller, pay all of the bills,
make sure the buyer gets the property
and disburse to seller their money and more...
3. Title insurance premiums in Ohio are all the same since Ohio is a "rated state".
The cost of the insurance is based on the price or mortgage amount.
TOTAL closing costs will be more than the above three items.
We have to collect up front from buyer and/or seller for transfer tax, filing fees, lenders' mortgage fees,
real estate commissions and other recording fees, cost of survey, wire fees, overnight fees..and it goes on and on.
What ever the contract states - we do!
So -there are TWO fees that I control:
TITLE & ESCROW
So, depending on the information you provide, based on the selling price, I can figure out an estimate of closing costs for both buyers and sellers.
Just give me call.
But.... please remember, there are many costs I collect not many are actually mine!
Wednesday, January 23, 2013
"For Sale By Owners" More Determined Than Ever!
We, at Gateway Title, truly are "FSBO"(For Sale By Owner) experts.
This has been our niche' for 17 years and we have seen it all!
Before 2008, sellers would put their house on the market "by owner" to try it for a couple of weeks.
They usually set the asking price too high with the thought of making a real killing in a seller's market!
After a couple of weeks, if the property is not sold, the sellers call a real estate agent and list at a true market price,it sells and they pay a commission.
Then of course, the past 4 years have been pretty dead. They go "by owner", then list, and when it expires go back to FSBO or, in total frustration, take it off the market completely!
Now the "For Sale By Owners" are coming back with a determination I have never seen before.
They order our "Starter Kit" and also, as never before, read every word and call to "Smart Start" the title work (saves them $$).
They are tuned in to the real market value, they refuse to have to pay comission, many times,
they offer modest
closing credits to a buyer, and THEY ARE SUCCEEDING!
It seems like Gateway is part of the FSBO underground because we get so many request from sellers who were referred by other buyers and sellers.We are working with many "family to family" transactions like never before and it seems like "starter" homes are back in demand!
Folks come out of the blue to use our services and we absolutely LOVE it!
We hope this activity is an indication of an improving market for all.
Heaven knows a better economy is what we're all praying for!
PS. Don't stop praying...We think it's working!
This has been our niche' for 17 years and we have seen it all!
Before 2008, sellers would put their house on the market "by owner" to try it for a couple of weeks.
They usually set the asking price too high with the thought of making a real killing in a seller's market!
After a couple of weeks, if the property is not sold, the sellers call a real estate agent and list at a true market price,it sells and they pay a commission.
Then of course, the past 4 years have been pretty dead. They go "by owner", then list, and when it expires go back to FSBO or, in total frustration, take it off the market completely!
Now the "For Sale By Owners" are coming back with a determination I have never seen before.
They order our "Starter Kit" and also, as never before, read every word and call to "Smart Start" the title work (saves them $$).
They are tuned in to the real market value, they refuse to have to pay comission, many times,
they offer modest
closing credits to a buyer, and THEY ARE SUCCEEDING!
It seems like Gateway is part of the FSBO underground because we get so many request from sellers who were referred by other buyers and sellers.We are working with many "family to family" transactions like never before and it seems like "starter" homes are back in demand!
Folks come out of the blue to use our services and we absolutely LOVE it!
We hope this activity is an indication of an improving market for all.
Heaven knows a better economy is what we're all praying for!
PS. Don't stop praying...We think it's working!
Thursday, August 12, 2010
Sharing Email From An Old Friend Who Remembers
To Rachel:
An Obituary printed in the London Times –
Today we mourn the passing of a beloved old friend, COMMON SENSE, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
COMMON SENSE lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
COMMON SENSE lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
COMMON SENSE lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
COMMON SENSE took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
COMMON SENSE finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
COMMON SENSE was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him - share this. If not, join the majority and do nothing.
Deb
An Obituary printed in the London Times –
Today we mourn the passing of a beloved old friend, COMMON SENSE, who has been with us for many years. No one knows for sure how old he was, since his birth records were long ago lost in bureaucratic red tape.
He will be remembered as having cultivated such valuable lessons as:
- Knowing when to come in out of the rain;
- Why the early bird gets the worm;
- Life isn't always fair; and
- Maybe it was my fault..
COMMON SENSE lived by simple, sound financial policies (don't spend more than you can earn) and reliable strategies (adults, not children, are in charge). His health began to deteriorate rapidly when well-intentioned but overbearing regulations were set in place. Reports of a 6-year-old boy charged with sexual harassment for kissing a classmate; teens suspended from school for using mouthwash after lunch; and a teacher fired for reprimanding an unruly student, only worsened his condition.
COMMON SENSE lost ground when parents attacked teachers for doing the job that they themselves had failed to do in disciplining their unruly children.
It declined even further when schools were required to get parental consent to administer sun lotion or an aspirin to a student; but could not inform parents when a student became pregnant and wanted to have an abortion.
COMMON SENSE lost the will to live as the churches became businesses; and criminals received better treatment than their victims.
COMMON SENSE took a beating when you couldn't defend yourself from a burglar in your own home and the burglar could sue you for assault.
COMMON SENSE finally gave up the will to live, after a woman failed to realize that a steaming cup of coffee was hot. She spilled a little in her lap, and was promptly awarded a huge settlement.
COMMON SENSE was preceded in death, by his parents, Truth and Trust, by his wife, Discretion, by his daughter, Responsibility, and by his son, Reason.
He is survived by his 4 stepbrothers:
I Know My Rights
I Want It Now
Someone Else Is To Blame
I'm A Victim
Not many attended his funeral because so few realized he was gone..
If you still remember him - share this. If not, join the majority and do nothing.
Deb
FRAUD:Everything Old is NEW again!
EVERYTHING OLD IS NEW AGAIN!!
MORTGAGE FRAUD HEADLINES IN THE NEWS!
From a past posting ALMOST a year ago –September 2009....
Last Thursday morning, as I settled in to my cup of coffee and turned on the TV, I listened to the comments on Senator Ted Kennedy’s passing, the first day of school chatter and then WHAM! MORTGAGE FRAUD INDICTMENTS IN CLEVELAND!
I woke up very quickly and it had my full attention. This kind of news always gets my attention and it is too few and too far between.
I was familiar with some of the names mentioned. I think were are 35 people
indicted in this wave.
My title officer and I just shake our heads.
We have known for years this was happening. Our customers would want us to do the title work. We would look at the paper work and tell them what they were getting themselves into was a scam and we would have no part of it.
Within a week or two we would see on the records that another title company had “closed” it. We contacted local authorities to tell then what was happening.
It fell on deaf ears!
I think independent title agents are the “watch dogs “of the real estate industry. Most of this fraud would not have happened if the mortgage brokers did not own the title agency that looked the other way and closed them. This ownership is not illegal. Law permits them to be in the title business. It’s like hiring the fox to guard the chicken coop!
Consumers have the power to choose the title agency to handle their transaction. The role of the title agency is to insure the title and conduct the settlement as a “disinterested 3rd. party”.
We are respected for our ethics.
Our buyers and sellers close with "peace of mind"
I can’t imagine why consumers would want it any other way!
MORTGAGE FRAUD HEADLINES IN THE NEWS!
From a past posting ALMOST a year ago –September 2009....
Last Thursday morning, as I settled in to my cup of coffee and turned on the TV, I listened to the comments on Senator Ted Kennedy’s passing, the first day of school chatter and then WHAM! MORTGAGE FRAUD INDICTMENTS IN CLEVELAND!
I woke up very quickly and it had my full attention. This kind of news always gets my attention and it is too few and too far between.
I was familiar with some of the names mentioned. I think were are 35 people
indicted in this wave.
My title officer and I just shake our heads.
We have known for years this was happening. Our customers would want us to do the title work. We would look at the paper work and tell them what they were getting themselves into was a scam and we would have no part of it.
Within a week or two we would see on the records that another title company had “closed” it. We contacted local authorities to tell then what was happening.
It fell on deaf ears!
I think independent title agents are the “watch dogs “of the real estate industry. Most of this fraud would not have happened if the mortgage brokers did not own the title agency that looked the other way and closed them. This ownership is not illegal. Law permits them to be in the title business. It’s like hiring the fox to guard the chicken coop!
Consumers have the power to choose the title agency to handle their transaction. The role of the title agency is to insure the title and conduct the settlement as a “disinterested 3rd. party”.
We are respected for our ethics.
Our buyers and sellers close with "peace of mind"
I can’t imagine why consumers would want it any other way!
Wednesday, December 9, 2009
Future Gateway Millionaire
Debbie, our receptionist extraordinaire, told me today, she has figured out an easy way to become a millionaire.
This Is Her Plan:
Tell a million people on the Internet to send her $1 (one dollar)!
Sounds simple enough so, here goes......
One million people x $1 = One million $
Good Luck Deb!
From
Your Boss,
Rachel
P.S. Be sure to let me know when you're rich enough to quit your "day job" :)
This Is Her Plan:
Tell a million people on the Internet to send her $1 (one dollar)!
Sounds simple enough so, here goes......
One million people x $1 = One million $
Good Luck Deb!
From
Your Boss,
Rachel
P.S. Be sure to let me know when you're rich enough to quit your "day job" :)
Gateway Looks at 1909-2009
************ ********* ***********
The year is 1909.
One hundred years ago.
What a difference a century makes!
Here are some statistics for the Year 1909:
************ ********* ************
The average life expectancy for men was 47 years.
Fuel for this car was sold in drug stores only.
Only 14 percent of the homes had a bathtub.
Only 8 percent of the homes had a telephone.
There were only 8,000 cars and only 144 miles of paved roads.
The maximum speed limit in most cities was 10 mph.
The tallest structure in the world was the Eiffel Tower !
The average US wage in 1909 was 22 cents per hour.
The average US worker made between $200 and $400 per year ..
A competent accountant could expect to earn $2000 per year,
A dentist $2,500 per year, a veterinarian between $1,500 and $4,000 per year,
and a mechanical engineer about $5,000 per year.
More than 95 percent of all births took place at HOME .
Ninety percent of all Doctors had NO COLLEGE EDUCATION!
Instead, they attended so-called medical schools, many of which
Were condemned in the press AND the government as 'substandard.'
Sugar cost four cents a pound.
Eggs were fourteen cents a dozen.
Coffee was fifteen cents a pound.
Most women only washed their hair once a month, and used Borax or egg yolks for shampoo.
Canada passed a law that prohibited poor people from entering into their country for any reason.
The Five leading causes of death were:
1. Pneumonia and influenza
2. Tuberculosis
3. Diarrhea
4. Heart disease
5. Stroke
The American flag had 45 stars ....
The population of Las Vegas , Nevada , was only 30!!!!
Crossword puzzles, canned beer, and iced tea hadn't been invented yet.
There was no Mother's Day or Father's Day.
Two out of every 10 adults couldn't read or write and
Only 6 percent of all Americans had graduated from high school..
Marijuana, heroin, and morphine were all available over the counter at the local corner drugstores..
Back then pharmacists said, 'Heroin clears the complexion, gives buoyancy to the mind,
regulates the stomach and bowels, and is, in fact, a perfect guardian of health'.
Eighteen percent of households had at least one full-time servant or domestic help ....
There were about 230 reported murders in the ENTIRE U.S.A. !
Plus one more sad thought .... 95 percent of the taxes we have now did not exist in 1909.
Try to imagine what it may be like in another 100 years.
IT STAGGERS THE MIND
(this was emailed to me From: Mary Early REMax Classics Realty. I couldn't resists sending it forward to you)
The year is 1909.
One hundred years ago.
What a difference a century makes!
Here are some statistics for the Year 1909:
************ ********* ************
The average life expectancy for men was 47 years.
Fuel for this car was sold in drug stores only.
Only 14 percent of the homes had a bathtub.
Only 8 percent of the homes had a telephone.
There were only 8,000 cars and only 144 miles of paved roads.
The maximum speed limit in most cities was 10 mph.
The tallest structure in the world was the Eiffel Tower !
The average US wage in 1909 was 22 cents per hour.
The average US worker made between $200 and $400 per year ..
A competent accountant could expect to earn $2000 per year,
A dentist $2,500 per year, a veterinarian between $1,500 and $4,000 per year,
and a mechanical engineer about $5,000 per year.
More than 95 percent of all births took place at HOME .
Ninety percent of all Doctors had NO COLLEGE EDUCATION!
Instead, they attended so-called medical schools, many of which
Were condemned in the press AND the government as 'substandard.'
Sugar cost four cents a pound.
Eggs were fourteen cents a dozen.
Coffee was fifteen cents a pound.
Most women only washed their hair once a month, and used Borax or egg yolks for shampoo.
Canada passed a law that prohibited poor people from entering into their country for any reason.
The Five leading causes of death were:
1. Pneumonia and influenza
2. Tuberculosis
3. Diarrhea
4. Heart disease
5. Stroke
The American flag had 45 stars ....
The population of Las Vegas , Nevada , was only 30!!!!
Crossword puzzles, canned beer, and iced tea hadn't been invented yet.
There was no Mother's Day or Father's Day.
Two out of every 10 adults couldn't read or write and
Only 6 percent of all Americans had graduated from high school..
Marijuana, heroin, and morphine were all available over the counter at the local corner drugstores..
Back then pharmacists said, 'Heroin clears the complexion, gives buoyancy to the mind,
regulates the stomach and bowels, and is, in fact, a perfect guardian of health'.
Eighteen percent of households had at least one full-time servant or domestic help ....
There were about 230 reported murders in the ENTIRE U.S.A. !
Plus one more sad thought .... 95 percent of the taxes we have now did not exist in 1909.
Try to imagine what it may be like in another 100 years.
IT STAGGERS THE MIND
(this was emailed to me From: Mary Early REMax Classics Realty. I couldn't resists sending it forward to you)
Monday, November 30, 2009
Gateway Title & Toys For Tots
GATEWAY TITLE SAYS:
"IT'S TIME FOR TOYS FOR TOTS"!
Please bring new, unwrapped toys for Tots during November.
Drop off locations:
GATEWAY BUILDING - 8748 Brecksville Rd.
WESTERN RESERVE BANK - 8751 Brecksville Rd.
(Thanks to Mike Gorman)
For more information call me @ 440 546 9660
Thanks To All
Rachel Torchia, President
Gateway Title Asscociates
"IT'S TIME FOR TOYS FOR TOTS"!
Please bring new, unwrapped toys for Tots during November.
Drop off locations:
GATEWAY BUILDING - 8748 Brecksville Rd.
WESTERN RESERVE BANK - 8751 Brecksville Rd.
(Thanks to Mike Gorman)
For more information call me @ 440 546 9660
Thanks To All
Rachel Torchia, President
Gateway Title Asscociates
Friday, November 13, 2009
Toys For Tots Box At Gateway Title
We're collecting again this year.
Please support the US MARINE'S efforts to provide Christmas for kids in our area.
New, unwrapped toys can be dropped off at the GATEWAY BUILDING 8748 Brecksville Rd.Brecksville, Ohio or any drop off location near you.
There is also a box at WESTERN RESERVE BANK - Brecksville, Ohio
Open your heart and buy a toy.
Thanks,
Rachel Torchia
Please support the US MARINE'S efforts to provide Christmas for kids in our area.
New, unwrapped toys can be dropped off at the GATEWAY BUILDING 8748 Brecksville Rd.Brecksville, Ohio or any drop off location near you.
There is also a box at WESTERN RESERVE BANK - Brecksville, Ohio
Open your heart and buy a toy.
Thanks,
Rachel Torchia
Tuesday, May 5, 2009
speaking real estate
Yesterday was a blur..SO MUCH TO CATCH UP ON -I was only gone for a day!
I had an interesting appointment at Cleveland City hall to be re certified FBE. It was refreshing to talk with someone who is aware that small businesses are seldom awarded contracts to increase real estate title business because they make it next to impossible to make any money. I learned a long time ago that loosing on each transaction is something that can't be made up in volume.This is a wait and see if they mean it. They have been awarding business to basically the same title company underwriter for years and the small business can't compete.
I am speaking in Brecksville Human Service Center's "2 for Tuesday" lunch.I enjoy doing this and am looking forward to a fun time!
I had an interesting appointment at Cleveland City hall to be re certified FBE. It was refreshing to talk with someone who is aware that small businesses are seldom awarded contracts to increase real estate title business because they make it next to impossible to make any money. I learned a long time ago that loosing on each transaction is something that can't be made up in volume.This is a wait and see if they mean it. They have been awarding business to basically the same title company underwriter for years and the small business can't compete.
I am speaking in Brecksville Human Service Center's "2 for Tuesday" lunch.I enjoy doing this and am looking forward to a fun time!
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