Pictures
Pictures of every home I've lived in -inside and out.
Family picnics, Easter outfits, Christmas morning, sitting with Grandma and Grandpa.
My babies, our pets, a new car, birthday parties, Halloween costumes, kids baseball games.
The list in my mind is endless......
I was going through a box of old pictures yesterday and letting my thoughts take me back as I
looked.
Then it hit me!
I take a lot of pictures but the prints of them do not exists -oh they are on many little cards
in my camera (which doesn't get used much now).
They are on my phone, IPad.
But they are not printed out on old fashion PAPER!
What will the next generations be looking at?
My phone?
My IPAD?
That little blue and red card with 400 pictures on it?
I wonder.
It seems I am taking pictures of everything all of the time.
Oh, I post them on facebook for the world to see.
Will future generations be looking for them there?
There is something so sweet about taking out a box or album of old pictures and
reminiscing. A smile.A tear. A rush of LOVE!
I am going to start printing.
I owe it to the future!
How about those pictures for yours?
Showing posts with label wise choices. Show all posts
Showing posts with label wise choices. Show all posts
Sunday, February 9, 2014
Tuesday, February 26, 2013
Cleveland Area Real Estate and Gateway Title
Most often asked question since 2008 is....
"How are you guys doing?"
It is still the number one question I hear.
Aside from the fact that this has been a down real estate market
that is starting to show signs of life, ( a good thing)
we certainly are constantly challenged by outside forces such as:
• Banks that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Real estate agents that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• National title insurance underwriters who form a title alliances with banks and lenders thereby cutting out their own independent agents so they, (our own underwriters) make more money.
• Consumers who are afraid to speak up for themselves and let others take advantage of them!
Other than that, we have no problems.
We are doing better than most other title agencies.
The last figure I heard was over 50% have closed their doors since 2008
That saddens me.
On the brighter side…
We have many loyal clients who Trust their Title to Gateway and refer others to us.
For them, I am grateful.
Please, give us a call for you and your family’s title and escrow needs.
We’ll be here for you.
Thanks for Asking,
Take Care,
Rachel
"How are you guys doing?"
It is still the number one question I hear.
Aside from the fact that this has been a down real estate market
that is starting to show signs of life, ( a good thing)
we certainly are constantly challenged by outside forces such as:
• Banks that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• Real estate agents that own their own title company and think they are entitled to make more money off the consumer with title and closing fees.
• National title insurance underwriters who form a title alliances with banks and lenders thereby cutting out their own independent agents so they, (our own underwriters) make more money.
• Consumers who are afraid to speak up for themselves and let others take advantage of them!
Other than that, we have no problems.
We are doing better than most other title agencies.
The last figure I heard was over 50% have closed their doors since 2008
That saddens me.
On the brighter side…
We have many loyal clients who Trust their Title to Gateway and refer others to us.
For them, I am grateful.
Please, give us a call for you and your family’s title and escrow needs.
We’ll be here for you.
Thanks for Asking,
Take Care,
Rachel
Monday, October 19, 2009
U.S. Marines "Toys For Tots" Time At Gateway Title
It's Toys For Tots time again! This will be our eighth year as a drop off center.
Each past year, We have had the good fortune to have the boxes filled and refilled many times during the campaign.
PLEASE HELP US FILL THEM AGAIN WITH TOYS FOR TOTS THIS YEAR!
Please bring new, unwraped toys to:
THE GATEWAY BUILDING
8748 BRECKSVILLE RD.
BRECKSVILLE, OHIO
We are located 1/4 mile NORTH of Rt.21 (Brecksville Rd.) & Rt.82 - the center of Brecksville.
440 546 9660
Each past year, We have had the good fortune to have the boxes filled and refilled many times during the campaign.
PLEASE HELP US FILL THEM AGAIN WITH TOYS FOR TOTS THIS YEAR!
Please bring new, unwraped toys to:
THE GATEWAY BUILDING
8748 BRECKSVILLE RD.
BRECKSVILLE, OHIO
We are located 1/4 mile NORTH of Rt.21 (Brecksville Rd.) & Rt.82 - the center of Brecksville.
440 546 9660
Friday, July 24, 2009
Rodney Dangerfield of Real Estate Industry
WARNING: I GET SOMEWHAT PASSIONATE ABOUT THIS!
Remember the "no respect" guy, Rodney Dangerfield?
I've said for years that this is a fitting definition of the title industry.
We are the watch dogs of the American dream. We search, correct and insure the title to your real estate property. Most often, we are the escrow or closing agent who puts it all together following the written instructions on the contract and from the lender. We prepare the papers necessary and meet with you for signing. When all conditions are met, we literally transfer title from seller to buyer and record all mortgage documents. On your behalf, we make the required pay-offs,taxes and any other invoices submitted for items to be paid out of escrow.
The buyer gets the property and the seller gets the money, and we insure the Title! Usually everyone is happy.
We have an awesome responsibility and love what we do except we feel a little sad because very few consumers out there understand and respect how vital our role is in their transaction.
Did you know the consumer has the right to choose the title company they want, to fulfill that role?
Not the Lender. Not the real estate agent. YOU! You have the right to choose your own "disinterested third party" closing agent. Buyers and sellers agree on who will do title and escrow and that's who does it.
Period!
In the consumer's best interest, I wish agents, brokers and lenders would get out of the title business and stick to what they do best!
In many cases, the affiliate co-owned title agency has higher fees than an independent title agent(Gateway Title)because they are sharing the profit with the real estate broker or lender.
How is that better for the buyers and sellers?
A little RESPECT Please, for your own title agent and the protection they provide for your American Dream!
You do have a choice.
Remember the "no respect" guy, Rodney Dangerfield?
I've said for years that this is a fitting definition of the title industry.
We are the watch dogs of the American dream. We search, correct and insure the title to your real estate property. Most often, we are the escrow or closing agent who puts it all together following the written instructions on the contract and from the lender. We prepare the papers necessary and meet with you for signing. When all conditions are met, we literally transfer title from seller to buyer and record all mortgage documents. On your behalf, we make the required pay-offs,taxes and any other invoices submitted for items to be paid out of escrow.
The buyer gets the property and the seller gets the money, and we insure the Title! Usually everyone is happy.
We have an awesome responsibility and love what we do except we feel a little sad because very few consumers out there understand and respect how vital our role is in their transaction.
Did you know the consumer has the right to choose the title company they want, to fulfill that role?
Not the Lender. Not the real estate agent. YOU! You have the right to choose your own "disinterested third party" closing agent. Buyers and sellers agree on who will do title and escrow and that's who does it.
Period!
In the consumer's best interest, I wish agents, brokers and lenders would get out of the title business and stick to what they do best!
In many cases, the affiliate co-owned title agency has higher fees than an independent title agent(Gateway Title)because they are sharing the profit with the real estate broker or lender.
How is that better for the buyers and sellers?
A little RESPECT Please, for your own title agent and the protection they provide for your American Dream!
You do have a choice.
Thursday, July 23, 2009
WHO ARE YOU?
I am privileged to have the friendship and support of a wise gentleman by the name of
Richard Flint.
He is a mentor, coach and friend to many nation wide.
Every morning, he emails me his "Morning Minute".
I am passing these thoughts on to you.
I suggest you read, reread and think then, let me know what YOU think!
Thursday, July 23, 2009
You are what you believe.
What you are doing with your life is a visual definition
of what you believe about you! Do you grasp what
that is really saying? Talk all you want; write as
many goals as you want to write; do a story board
that you look at every day, BUT none of these create
the who that you are - they are only part of your
story. That story is either fiction, a tragedy, a satire
or a self-help book. Which are you right now?
Remember, freedom carries with it responsibility and accountability.
Richard Flint.
He is a mentor, coach and friend to many nation wide.
Every morning, he emails me his "Morning Minute".
I am passing these thoughts on to you.
I suggest you read, reread and think then, let me know what YOU think!
Thursday, July 23, 2009
You are what you believe.
What you are doing with your life is a visual definition
of what you believe about you! Do you grasp what
that is really saying? Talk all you want; write as
many goals as you want to write; do a story board
that you look at every day, BUT none of these create
the who that you are - they are only part of your
story. That story is either fiction, a tragedy, a satire
or a self-help book. Which are you right now?
Remember, freedom carries with it responsibility and accountability.
Thursday, July 16, 2009
Gateway Title Falls In Love With Real Estate Customers!
Every once in a while a gift comes out of the blue.
One of these "gifts" happened yesterday and it struck me as pretty remarkable.
Let me tell you about it...
The time was just a few moments before closing. Renee and I were getting everything together for last night's scheduled "Real Estate Reality" workshop at 6:30PM.
One of our sellers, who closed short time ago, stopped by with her paid water bill and we arranged for the return of her water-hold $200.00
As we were taking her information, she told us how happy she was with her closing and all of the support she received. "I tell everyone how great you are" she beamed and ended her conversation with an enthusiastic "I LOVE YOU GUYS!"
I smiled at her and returned a bright and loud "I LOVE YOU,TOO!" as she was on her way out the door.
I immediately caught myself and felt a little embarrassed over my candid enthusiasm.
As I reviewed what had just happened in my head, I realized I really do Love our buyers and sellers for choosing and trusting my Gateway Title to handle what is probably the largest financial transaction of their lifetime at this point in time.
It seems like everyone else in the real estate industry wants the control of choosing their own title company to insure title and do the escrow.
To the contrary,
these wonderful consumers of ours make it their own choice to work with my company. For that, I truly do Love each and every one of them.
Thanks for choosing Gateway to "title" your mortgage and a big "I LOVE YOU"!
from Rachel Torchia,President
One of these "gifts" happened yesterday and it struck me as pretty remarkable.
Let me tell you about it...
The time was just a few moments before closing. Renee and I were getting everything together for last night's scheduled "Real Estate Reality" workshop at 6:30PM.
One of our sellers, who closed short time ago, stopped by with her paid water bill and we arranged for the return of her water-hold $200.00
As we were taking her information, she told us how happy she was with her closing and all of the support she received. "I tell everyone how great you are" she beamed and ended her conversation with an enthusiastic "I LOVE YOU GUYS!"
I smiled at her and returned a bright and loud "I LOVE YOU,TOO!" as she was on her way out the door.
I immediately caught myself and felt a little embarrassed over my candid enthusiasm.
As I reviewed what had just happened in my head, I realized I really do Love our buyers and sellers for choosing and trusting my Gateway Title to handle what is probably the largest financial transaction of their lifetime at this point in time.
It seems like everyone else in the real estate industry wants the control of choosing their own title company to insure title and do the escrow.
To the contrary,
these wonderful consumers of ours make it their own choice to work with my company. For that, I truly do Love each and every one of them.
Thanks for choosing Gateway to "title" your mortgage and a big "I LOVE YOU"!
from Rachel Torchia,President
Monday, April 20, 2009
more like Bill
I had a past customer call me today. He is selling a property. and He really appreciated our caring customer service and reasonable fees when he used us to close on another property.The agent who brought him the deal, told him he would have to use the agent's title agency on the deal because the buyer has the right to pick the title company.
It didn't end there.
The seller is a wise man, he said that it seems like the agent NOT the buyer is choosing. He is absolutely right. It is the BUYER and SELLER who agree on who does the title work.
Nowhere is it said the real estate agent has the right to pick the title company.
Why don't agents market real estate and let the buyers and sellers exercise their right to choose who does the title and escrow closing?
I am seeing consumers being more careful as to whom is directing their closing costs and where they are spending their hard earned money!
It didn't end there.
The seller is a wise man, he said that it seems like the agent NOT the buyer is choosing. He is absolutely right. It is the BUYER and SELLER who agree on who does the title work.
Nowhere is it said the real estate agent has the right to pick the title company.
Why don't agents market real estate and let the buyers and sellers exercise their right to choose who does the title and escrow closing?
I am seeing consumers being more careful as to whom is directing their closing costs and where they are spending their hard earned money!
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