How often we put too much stake in others "words" or we say "we will" and then "we don't"!
Actions do speak louder and truer than words!
My friend and mentor, Richard Flint tells us like it is:
What you really feel about you is defined
with your behavior.
Back to those three little words – Behavior Never
Lies! I can’t get away from them because there is so
much wisdom, so much power in that one thought.
Words are description; behavior is an acted out
definition. Words create a story; behavior acts out
the play. Words make a sound for people to listen to;
behavior paints a picture for people to study. Your
life really is defined by your behavior and remember,
behavior can’t lie!
Remember, you are exactly where you want to be.
reccomended reading: Richard Has written a book "Behavior Never Lies" - available at amazon.com - It could change the way you hear and see others.
Wednesday, August 26, 2009
Monday, August 24, 2009
BEAUTIFUL WEDDING - TIME TO GET BACK TO REAL ESTATE!
It's not easy to settle back into the work day routine after so much of my Granddaughter, Ashley's wedding involvement. It was wonderful!
My mind is now back to the real estate market, which is improving a lot this month.I keep reading the national housing reports, but I only believe what I see in my own backyard and the scenery is looking much better.We love happy buyers and sellers!
I also notice a problem of anxious sellers accepting offers from buyers who "think" they can get a mortgage, but can not and the deal "bombs". BAD for everyone involved.
I called an old friend, Roy Buser, a Mortgage Account executive with First Merit to get his opinion. He agreed whole heartily that many buyers are looking before they know if they CAN qualify.
He offered this advice."If you have the proper and candid conversation with your bank PRIOR to looking at home or engaging a pre-approval then the process will go well;the pre-approval will go well, the purchase agreement will be written well, the financing will go well, and the closing will be smoother. Better planning starts with the proper conversation with a lender first".
I also talked with RE/MAX Classic Manager, REALTOR Mary Early, she tells those who want to see homes to first talk with a lender to learn the whole story, get pre-approved and then, she will find them a home they can love and afford.The pre-approval certificate is proof they are a real buyer.
Realtor Suzanne Anton from The Realty Store agrees:"Pre-approval is essential before an offer is accepted "
The BIGGEST MISTAKE I see FSBO sellers making is accepting offers on the "buyers word" that they can get a mortgage and in reality, they haven't even talked with a lender.
There is nothing much more stressful than thinking the property is sold and in the end it "BOMBS"! This market is improving and it can get much better if buyers, sellers and agents set standards and stick to them.
Get Ready: Lender pre-approval
Get SET: Find your house.
Go: Complete your deal with a stress-free closing.
It can be as simple as 1-2-3!
My mind is now back to the real estate market, which is improving a lot this month.I keep reading the national housing reports, but I only believe what I see in my own backyard and the scenery is looking much better.We love happy buyers and sellers!
I also notice a problem of anxious sellers accepting offers from buyers who "think" they can get a mortgage, but can not and the deal "bombs". BAD for everyone involved.
I called an old friend, Roy Buser, a Mortgage Account executive with First Merit to get his opinion. He agreed whole heartily that many buyers are looking before they know if they CAN qualify.
He offered this advice."If you have the proper and candid conversation with your bank PRIOR to looking at home or engaging a pre-approval then the process will go well;the pre-approval will go well, the purchase agreement will be written well, the financing will go well, and the closing will be smoother. Better planning starts with the proper conversation with a lender first".
I also talked with RE/MAX Classic Manager, REALTOR Mary Early, she tells those who want to see homes to first talk with a lender to learn the whole story, get pre-approved and then, she will find them a home they can love and afford.The pre-approval certificate is proof they are a real buyer.
Realtor Suzanne Anton from The Realty Store agrees:"Pre-approval is essential before an offer is accepted "
The BIGGEST MISTAKE I see FSBO sellers making is accepting offers on the "buyers word" that they can get a mortgage and in reality, they haven't even talked with a lender.
There is nothing much more stressful than thinking the property is sold and in the end it "BOMBS"! This market is improving and it can get much better if buyers, sellers and agents set standards and stick to them.
Get Ready: Lender pre-approval
Get SET: Find your house.
Go: Complete your deal with a stress-free closing.
It can be as simple as 1-2-3!
Saturday, August 15, 2009
Ashley is Getting Married Today!!
Today is the BIG day!
Last night we had the rehearsal dinner cook out in our meadow pavilion for 60.In addition to the wedding party, all out of town guests were invited.
Suzanne's staging talents shone through and the pavilion looked party perfect!
A labor of love.
Mike and Renee worked at Gateway Title holding down the fort with the rest of the staff. BIG KUDOS to my wonderful hubby Mike - He started off the day at a signing 40miles away at 8:00 A.M., returning to the same area for another at 4:00 P.M.! In between, he cut grass, worked on his office stuff,helped us set-up the party and was at rehearsal to practice his reading for the wedding at 6:30 and then grilled the burgers. He is amazing !
Renee and Bridget were pretty busy with customers at the office. Seems like yesterday was the day for buyers and sellers targeted to complete their deals.
Debbie, who answers the phones said it really was a great day at Gateway Title!
It's a great day for the Torchia Family today. It's time for to get ready for a wedding!
Ashley has taken her dress to the church. All the girls are getting ready. Suits and ties are waiting to be worn. It's almost time......
Last night we had the rehearsal dinner cook out in our meadow pavilion for 60.In addition to the wedding party, all out of town guests were invited.
Suzanne's staging talents shone through and the pavilion looked party perfect!
A labor of love.
Mike and Renee worked at Gateway Title holding down the fort with the rest of the staff. BIG KUDOS to my wonderful hubby Mike - He started off the day at a signing 40miles away at 8:00 A.M., returning to the same area for another at 4:00 P.M.! In between, he cut grass, worked on his office stuff,helped us set-up the party and was at rehearsal to practice his reading for the wedding at 6:30 and then grilled the burgers. He is amazing !
Renee and Bridget were pretty busy with customers at the office. Seems like yesterday was the day for buyers and sellers targeted to complete their deals.
Debbie, who answers the phones said it really was a great day at Gateway Title!
It's a great day for the Torchia Family today. It's time for to get ready for a wedding!
Ashley has taken her dress to the church. All the girls are getting ready. Suits and ties are waiting to be worn. It's almost time......
Thursday, August 13, 2009
Ashley is Getting Married Saturday!
There's nothing like a family wedding!
My Granddaughter, Ashley,who is my "Baby Cakes" is getting married Saturday. Ashley is the third generation working at Gateway Title. Her Mom, Michelle, was with me when I started the company 16 years ago.An eight year old Ashley and her little brother, Robby would come into the office on the week-ends as Michelle and I worked, they played "Gateway Title" with the phones and writing notes on the telephone message pads.They drew pictures for everyone and they proudly hung them up decorating the offices.
Time just flies!
Ashley's dress is hanging from the ceiling fan with the train spread out on the bed underneath(the only place high enough so there will be no wrinkles) in our spare bedroom waiting for her to take it to the church Saturday. Just like her Mom's and Aunts Suzanne and Renee's bridal gowns waiting for them.
Everyone is pitching in from soup to nuts.
The only problem with a family business is we have not been at the office (mentally and physically) all week. God Bless the WONDERFUL staff. This has not been an easy week for them but they have pitched in to make sure everything there continued smoothly for our customers. I never once worried that they wouldn't. Without their support, I think I'd have been a basket case by today. The rehearsal dinner is at my home - a little bit of pressure there. Everybody is cooking their special dishes we all love. It's under control. Michelle has done a fantastic job organizing and getting everything done. It's almost time.... I know I'll cry in happiness for my Baby Cakes. Her Joel is a lucky Guy.
Please God -"Bless them with Lasting Love".
My Granddaughter, Ashley,who is my "Baby Cakes" is getting married Saturday. Ashley is the third generation working at Gateway Title. Her Mom, Michelle, was with me when I started the company 16 years ago.An eight year old Ashley and her little brother, Robby would come into the office on the week-ends as Michelle and I worked, they played "Gateway Title" with the phones and writing notes on the telephone message pads.They drew pictures for everyone and they proudly hung them up decorating the offices.
Time just flies!
Ashley's dress is hanging from the ceiling fan with the train spread out on the bed underneath(the only place high enough so there will be no wrinkles) in our spare bedroom waiting for her to take it to the church Saturday. Just like her Mom's and Aunts Suzanne and Renee's bridal gowns waiting for them.
Everyone is pitching in from soup to nuts.
The only problem with a family business is we have not been at the office (mentally and physically) all week. God Bless the WONDERFUL staff. This has not been an easy week for them but they have pitched in to make sure everything there continued smoothly for our customers. I never once worried that they wouldn't. Without their support, I think I'd have been a basket case by today. The rehearsal dinner is at my home - a little bit of pressure there. Everybody is cooking their special dishes we all love. It's under control. Michelle has done a fantastic job organizing and getting everything done. It's almost time.... I know I'll cry in happiness for my Baby Cakes. Her Joel is a lucky Guy.
Please God -"Bless them with Lasting Love".
Thursday, August 6, 2009
Sun Newspaper Article - August 6,2009
“How’s Business” TAKES ON A NEW MEANING
I am a business owner and I recently attended the local Chamber of Commerce meeting and realized “How’s business?” doesn’t mean the same thing as it did in the past.
For years now, it was not unusual to hear “How’s Business?” from family, friends, and other folks in general... Life has always been this way. Business owners said it to each other the same way we ask “How are you?” It’s a greeting, a habit.
The general response was “Fine, Thank you”. and conversations turned to other things.
I talk with a lot of business owners at Chamber meetings, networking events etc. and I observe there is a change taking place.
The reply of “Great!” to the “How’s business?” was fake for many - business wasn’t “Great!”, but no one wanted to admit it to others.
This past year has been an awakening for many small business owners of all types, from retail and service to manufacturing. Much of the business as we all knew it has disappeared – gone and no matter how well you manage your business, you have no control over the current economy.
Everyone just wants to survive and come out of this stronger.
I’ve noticed the attendance at business meetings and networking events has improved as we share ideas and look to support each other. We discuss our problems and fears more openly.
“How’s business?” The meaning of these words has evolved from a routine greeting to words of genuine care and concern.
We all seem to be returning to the real things that matter, and that’s a good thing! – Rachel’s Corner - Rachel Torchia
I am a business owner and I recently attended the local Chamber of Commerce meeting and realized “How’s business?” doesn’t mean the same thing as it did in the past.
For years now, it was not unusual to hear “How’s Business?” from family, friends, and other folks in general... Life has always been this way. Business owners said it to each other the same way we ask “How are you?” It’s a greeting, a habit.
The general response was “Fine, Thank you”. and conversations turned to other things.
I talk with a lot of business owners at Chamber meetings, networking events etc. and I observe there is a change taking place.
The reply of “Great!” to the “How’s business?” was fake for many - business wasn’t “Great!”, but no one wanted to admit it to others.
This past year has been an awakening for many small business owners of all types, from retail and service to manufacturing. Much of the business as we all knew it has disappeared – gone and no matter how well you manage your business, you have no control over the current economy.
Everyone just wants to survive and come out of this stronger.
I’ve noticed the attendance at business meetings and networking events has improved as we share ideas and look to support each other. We discuss our problems and fears more openly.
“How’s business?” The meaning of these words has evolved from a routine greeting to words of genuine care and concern.
We all seem to be returning to the real things that matter, and that’s a good thing! – Rachel’s Corner - Rachel Torchia
Tuesday, August 4, 2009
Thank You Renee and I Love You Too!
WE were preparing our news letter and Renee always writes a column on the work shops and educating the consumer. This is the copy she submitted for the next issue. It is with much Love and Pride that I pass it on to you. - Renee's Mom.
My Boss Amazes Me!
Most people who work usually have a boss that they tolerate or pretend to like because they have to. I am lucky here at Gateway Title because my boss is my Mom! What amazes me about my mom, oh I mean Rachel, is how she seems to be able to predict the future trends of the real estate market.
For example, during our morning meetings she will discuss what's going on for the day and we will get on the subject of.. lets say people refinancing. Well then like 6 weeks later we get a ton of people using us when they refinance their homes. The amount of refinances we had late spring/ early summer quadrupled from previous years!
Another example, she was talking about filming her next show on "Golden Opportunities" on channel 3, she was going to discuss sales between close family members and relatives. Well like 6 weeks later again, before the show even aired, we started getting a lot of calls about parents selling their houses to their kids,or parents buying their grandparents house. It was so crazy that she knew this was going to happen. We have at least 2 deals come in everyday now between relatives and close friends. The $8.000 dollar tax credit has helped that along to.
Another wonderful perk about working here at Gateway Title is that I get to work with my Mom and see what an incredible business owner she is. It can't be easy for her dealing with being a boss and a parent. She has not only me here, her youngest daughter, but she also employs my older sister Michelle and her daughter, Ashley. Sometimes the lines of parenting and bossing blur, but she always seems to know what to say to keep her and my focus on work throughout the workday.
One of the reasons so many of our customers say they love us is because we make them feel special, like they are part of the family, and its true, we treat you like family, because we are family.
If you want to come meet my Mom and see whats happening in the real estate industry before it happens…(just kidding) or if you want to learn more about what's happening now in the real estate market give us a call or just stop by.
440-546-9660 or go to Gatewaytitle.com
Free for sale by owner kits and free for sale by owner workshop info available.
Renee Torchia
Gateway Title Agency
440-546-9660
Renee@gatewaytitle.com
My Boss Amazes Me!
Most people who work usually have a boss that they tolerate or pretend to like because they have to. I am lucky here at Gateway Title because my boss is my Mom! What amazes me about my mom, oh I mean Rachel, is how she seems to be able to predict the future trends of the real estate market.
For example, during our morning meetings she will discuss what's going on for the day and we will get on the subject of.. lets say people refinancing. Well then like 6 weeks later we get a ton of people using us when they refinance their homes. The amount of refinances we had late spring/ early summer quadrupled from previous years!
Another example, she was talking about filming her next show on "Golden Opportunities" on channel 3, she was going to discuss sales between close family members and relatives. Well like 6 weeks later again, before the show even aired, we started getting a lot of calls about parents selling their houses to their kids,or parents buying their grandparents house. It was so crazy that she knew this was going to happen. We have at least 2 deals come in everyday now between relatives and close friends. The $8.000 dollar tax credit has helped that along to.
Another wonderful perk about working here at Gateway Title is that I get to work with my Mom and see what an incredible business owner she is. It can't be easy for her dealing with being a boss and a parent. She has not only me here, her youngest daughter, but she also employs my older sister Michelle and her daughter, Ashley. Sometimes the lines of parenting and bossing blur, but she always seems to know what to say to keep her and my focus on work throughout the workday.
One of the reasons so many of our customers say they love us is because we make them feel special, like they are part of the family, and its true, we treat you like family, because we are family.
If you want to come meet my Mom and see whats happening in the real estate industry before it happens…(just kidding) or if you want to learn more about what's happening now in the real estate market give us a call or just stop by.
440-546-9660 or go to Gatewaytitle.com
Free for sale by owner kits and free for sale by owner workshop info available.
Renee Torchia
Gateway Title Agency
440-546-9660
Renee@gatewaytitle.com
Real Estate Making The Turn
Got some GOOD NEWS For Sellers!
It looks like the housing market is finally making and upward turn.
Got a warning for buyers!
If you are going to buy a home, get moving!
The $8,000 credit is still on until Dec. It may or may not be subject to change. To find out how you qualify, talk with your local lender.
"Shoulda, Coulda, Woulda" won't do you any good next year if the credit is expired and prices are higher.
As I observe the activity buzzing around Gateway Title, I see that many are taking advantage of the market right now.
FSBO (for sale by owner) dealing between family, friends and neighbors is still going strong. We see them every day.
Please call us if you have questions about selling or buying by owner or about real estate in general. We can help you estimate costs. This something we do for buyers and sellers everyday. There is no charge for this information and it can prove very helpful.Talk with you later!
It looks like the housing market is finally making and upward turn.
Got a warning for buyers!
If you are going to buy a home, get moving!
The $8,000 credit is still on until Dec. It may or may not be subject to change. To find out how you qualify, talk with your local lender.
"Shoulda, Coulda, Woulda" won't do you any good next year if the credit is expired and prices are higher.
As I observe the activity buzzing around Gateway Title, I see that many are taking advantage of the market right now.
FSBO (for sale by owner) dealing between family, friends and neighbors is still going strong. We see them every day.
Please call us if you have questions about selling or buying by owner or about real estate in general. We can help you estimate costs. This something we do for buyers and sellers everyday. There is no charge for this information and it can prove very helpful.Talk with you later!
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