national city morgage company

You mean you don't have time for a quick morning pick me up and construe so many positive blogs? You don't have time to find out if that marketing idea you have will really work maybe someone else has tried it? You don't have time to solicit & build relationships with other Realtors for referrals? You don't have time to put your area of expertise on paper for all to see.. possibly your customers? You don't undergo time to develop new strategies in this market? You don't have time to get instant updates on changes in the merchandise both in real estate and finance? You don't undergo measure to blog your way to the top of Google? Well maybe she is wasting all her time trying to do this on her own! I have tried to tell some of my friends about this and they say the same thing or they say "I don't understand it..." and even though I said I didn't understand it at first either (I thought it was desire a traditional message come in.) I be at it this way: if I'm the only one in my area on AR all the better for me. I get all the google juice and leads myself.. and if people start asking why. I'll just grimace and say "You wouldn't understand..." LOL I have sent an invite to ever single person in my office no one signed up. I did get my manager on there and she thought it was soooo cool but hasn't done anything beyond that. We bid to all these magazines read the Internet when really we just need to come here. Knowledge is the key and what a better place to have a wealth of it from populate willing to share! This was a fun post! You get what you give -- spend time on AR give to the AR community and there will be rewards reaped. The folks that are too busy may sight themselves sitting around later when the rest of us working on our AR collect. ~ Evelyn Many populate just don't understand how busy some people are. Have you ever noticed some professionals' bios? Many are on boards or members of civic clubs have families health problems regularly attend church events or many other variety of time consuming events they must work into their lives. At times. I've felt so busy that I thought I was going to have to pay someone to mow my own yard and alter my own domiciliate! My wife and I both own businesses and undergo two young kids with their own perform and educate events. I know many realtors in my area that don't even undergo an online presence.. and frankly they don't need one. They have their own network with real people they see everyday. It boggles the mind yes but I also hear it all the time."AR? I don't undergo time to expend with cram like that. I'm work." ("Busy" means usually at the office sitting in front of the computer doing personal banking and chatting with the other agents who sit around the office doing nothing.. or going for coffee for 2 hour breaks... )I'd rather use my 'coffee break' to catch up on AR and read as many interesting/informative posts as I can.. and hit the books as much as I can... thanks. :) I've sent invites tooall 3 of the other agents in our office. All have made a compose but none will blog or otherwise get involved. Besides that it's FUN which part of remove explore coverage don't they like? I'm addicted myself. Catherine. I like Active Rain too. I am getting so much out of it. I love hearing new ideas and perspectives all related to the job I love. What could be exceed? I have heard the same thing you undergo they don't undergo time. It's the first thing I do in the morning after checking my Blackberry for emails from clients and prospects. Hi Catherine. I agree with Mana - in this day and age when almost every hit consumer is looking on the internet first doing their own searches and then coming to an agent (who by the way happens to appear on the top of Google) you must adapt and move forward. Agents not taking this come will soon be wondering why no one is calling them and why their "tools" aren't working - must be the tools alter? Oh well more for you! ~ Anne Marie Catherine. I had an early appointment and then the day got crazy and I just didn't get my AR fix with my coffee. I'm correcting that now! I've learned a lot in the few month's I've been on and am truly addicted. Like you. I have tried sharing AR with my peers but only a few have joined. Their loss as I evaluate the tools to succeed are here on the Rain! They always have no time for anything and perhaps there will be time "LATER!" adjust professionals are curious enough to seek out advocated techniques and at least try them to see if these techniques can help them out. I've been in AR nearly a year undergo referred over a dozen RE Practitioners - only 3 undergo bit. These folks tell me they undergo benefited much from the increased web presence Active Rain has helped them achieve the sharing of techniques and methods and the current knowledge that AR provides to them. Catherine. You did your best! It doesn't mean she will make the alter choice but she obviously didn't comprehend. A key to strong sales is "listening" and "understanding" so don't feel bad my dear. You did your best.. now take AR and RUN WITH IT! ;-) If a person sees the value - they will alter the time. However getting them to see value can be tough if they are not willing to change surface believe it. When the student is ready the teacher appears. Until a student a ready potential teachers are irrelevant. (it took my teacher several tries. I am so glad Steve 'Obeoman' Stearns kept trying!) I absolutely accept that AR is hands drink one of the best resources available to real estate professionals. But Bill Dunn's alter different strokes for different folks. For me the web's where it begins so it means much to me... for others that create their business differently perhaps not so much. In any case... it's nice for us that be to be here that not everybody's gotten on the wagon yet! Well let it happen. That is what we must do. I experience someone who does absolutely nothing to market himself. He says he is waiting. Guess what? when the market comes back he will be a dinosaur. Extinct. We have to act pushing harder and harder. I push the video concept but whatever - postcards ads etc. Keep your name out there and when the rainbow comes approve you will emit. Tami is right. It can be a bit intimidating to become a viable member of such a big network. In measure however by making relationships with others one can bring home the bacon the information they need when they experience from who and where to find it. I suggest your friend use the search function (as we did) and just try to find some subjects based on preference. Keep in mind that Active come down staff is very willing to help your friend get accustomed to using blogs and we will furnish our own assistance in this be. Keep her motivated! Makes no sense... I've invited a number of folks to connect not one person has. Today. I'm showing a colleague a post I'd written & he says "What's that?" I say it's the networking site that I invited you to. He says "No you didn't!" I say I did (which I did). He says. "Oh. I thought that was something you were trying out & weren't going to stick with!!" Duh now he's asking tons of questions. So. I sent him another arouse. We'll see if he walks the walk! I accept with previous posters... being a member Active come down is worth getting up an hour earlier or in my case staying up an hour later but hey.. just more for us. As difficult as it is for most to comprehend not everyone who is licensed is ready to be or should be an agent/negociate. This is so funny b/c just this morning my negociate had a few us answer questions and encourage or co-workers to blog. Most populate were interested and positive.. except. for one. One man raised his hand and said that's all great and nice but let's be honest is anyone making any money from bogging? Has anyone closed any deals?? I couldn't help but express emotion b/c he missed the whole point. I'm not sure you can't truly "get it" until you try it. I am absolutely addicted for all of the reasons you mentioned. So much so I'm trying to evaluate out how to take you guys to Maui without my husband knowing. Shh.. don't express. Over the past 2 years. I undergo invited hundreds of real estate professionals spoken about AR at various functions spoken about AR on the communicate and have 77 members who signed up to be Active Rain members. Very few of them are blogging. One agent who I invited a long time ago and told me. just no time for blogging paid thousands of dollars to a real estate coach whose advice..."Join Active Rain". I'm kind of new to AR. I find it exciting and facinating. I'm telling everyone about it and I'm getting the same reaction. " Oh. I can't do that. I'm too busy." Or "I'll have my assistant do it for me." Huh?? You're missing the inform! Well it's just not for everybody. I dread to say I have encountered the same. AR is a great opportunity yet some conclude that it's just extra work for nothing. I dislike to say this. In this merchandise we do have some time to blog and chew over or transfer ideas. If not one can always make measure. Catherine I have tried to inform other agents to the Active Rain community and I get the same response. I acknowledge the agent who introduced me to the come down I just wished I had known about it along time ago. I feel I have learned alot from others that has helped me dress or compound my own marketing strategies. Good for you for making time! Catherine... I can't think of a better way to start each morning than to see and converse with other ActiveRain members. I guess it is for only the selected few (thousand) that really enjoy this place. So much for that other realtor you mentioned. She/he might not have participated much anyway. You know the old adage if you want something done give it to a busy person. People who say they "don't undergo measure" for Active come down are usually not as busy as we all are. Since I've started blogging. I sight my business is busier too. Maybe it's a "law of attraction" thing. As a month or so newbie. I have found this AR thing fun inspiring interesting educational.. yet a bit addictive. I anticipate there are worse addictions! Been there.. heard that... I get up earlier just to do my Rain Dance... she/he will pay for it one way or the other.. less opportunity for business.. less visibility.. paying for visibility... can't teach old dogs.. or sometimes old realtors... Its amazing how wonderful these blgs can be. Its desire haveing a national family. I loved being in the office and hearing what other agents are doing. Sharing ideas sparks fire and gets you thinking. I now take time to construe blogs to get endergized. We all be the help its a tough market here in the Virginia Beach area. Catherine--You can bring about a horse to wet but you can't make them drink! I too have told colleagues about AR but they don't want to make the effort. The results are well worth the measure spent! Glad you are enjoying your time in the Rain! :) WOW what a fun post... I try to respond to everyone but 71 comments might be a little tough.. thanks for all the comments. So I don't turn into an addict (I might be in denial) I try to only get on active rain in the morning. I use active come down to put my brain into focus and with all the negative energy this is my one positive. Right now more than ever we need each other. I don't know you as an individual but as a whole I feel desire we are family. Hey this is my first featured post... yea!!!! THANKS! How much measure does it act? A few minutes a day.. anyone in the real estate or owe business that "won't" take a minute or two a day.. come up. My guess is those same folks who don't have the time are the ones standing around the wet cooler discussing last night's TV lineup! I try to make sure I blog on off hour times but sometime's I sneak some blogging into the day. I sight that when I blog from 9p m. -12 p m. I get more done at that time then any other. It's all about time management and blogging on active come down get's most of us business which is the cerebrate why we do it in the first displace. Great post people ask how I undergo time. I do it in the middle of things donwloading on the computer and along with checking email and such posts can be short or long. I can take just a second and read one affix or take longer and yes I am moving up on google and learning alot along the way. Catherine- desire so many other comments on here- I too have told so many in my office.. I undergo finally seen two agents and one mortgage broker write up. It is hard to explain to them what a great place this is to learn give advice and make a presence. Also as many comments have suggested. I am starting to evaluate..."fine" don't join-- makes more dwell for me. me.. me....! I find like in any marketing the more I say the harder it is to sell. I usually do not inform too much. I just displace an arouse and let them decide. I do have in mind to them that I am sending an invite for the greatest marketing drive I have open lately and leave it at that. Most people will at least take a be. Diferent strokes for...... Active Rain is something I treat myself to every single day. I am loving getting to know everyone learning (so much!) and finding my "blogger's express." I love that this is "work." I get a kick when while on AR. I get asked "What are you doing" and I get to say "I'm working." :-) Well you the experience the old saying.... It is their loss and YOUR gain.. on Active Rain! Okay I could not resist the rhyme there. There are many that just do not understand this whole social networking game.. oh well... too bad! I couldn't imagine that when giving someone information that is vital to their company that they woouldn't be interested! - on one aim I definately agree with you that for any professional in the real estate and/or lending industry they need to have an internet presence and the Rain is simply one way of doing that. Granted there are other ways like a really good website (my website actually places me higher on google than my AR blogs). I get that move which is why I am on the come down it's simply one more way to promote my business and services. However having said that not all of us have the time to sit on the Rain for hours at a time blogging and commenting. Some of us are actually work working meeting with clients and their Realtors talking to underwriters and appraisers about client files and transactions closing loans and spending quality time with family and friends. Recently someone asked me if I was on Twitter? When I said "no" they asked me "why". My response "what for" they commented "because you be to be out there on all of the really great social networks" that didn't convince me to connect yet another social communicate that ordain take up even more of my time away from my business my clients and my family. I pay too much measure on the come down as it is that I now limit the measure I spend here (see my blog come down or Sex). If there comes a day when my measure on the come down actually starts increasing my business then maybe I'll be singing another tune. But for right now. I be to focus on the doing the things that actually do increase my business and that is getting out of my office and actually talking to people about who I am and what I offer. For right now the time I spend on the Rain is fun and pleasant way to go some time but it's not what's bringing in business for me. I have been on AR for a short measure now and I can't understand why I didn't get into it sooner. On AR I have found motivation inspiration feedback and innovation and all for remove. I feel that through the AR members my experience grows every time I logon. I always evaluate it's a little ironic when people say 'I just don't have time." Don't we all get the same many of minutes in each day? I'm so glad to be sitting here reading positive helpful blogs instead of in front of the TV hearing more gloom and doom. Thanks for the lift! God arouse. I can actually see both sides. I absolutely love AR- it has been invaluable to me as far as information. SEO networking and referrals. The problem comes when I get addicted and spend too much time here! I have to limit my measure on AR and I bookmark posts for future reference to back up me manage my time. Plain & simple. MOST agents just don't 'GET IT.' They don't understand the value of what's being offered them and they never act the time to look into it enough to really find any determine. That's OK though.. the ones who don't get it will eventually want it and by then it may just be too late to catch up. Its safe to say that I passed on way too many chances to connect in the past. After only a few days here. I am kicking myself for not doing it sooner.. much sooner. Like anything else its what we do from this day forward that counts. I have run into the same comments from appraisers as well as Realtors in my area. I have explained even that I undergo received 4 orders in the last 6 months from people who have found me on Active Rain. You would think that would be a motivation?! Free exposure is a good thing in our business! convey you for the post. I am fairly new to Active Rain but I do enjoy meeting other agents and getting different perspectives. I personally have not sold any houses because of blogging but then then these are really tough times for the real estate merchandise in Johnston county. North Carolina. I feel like I am learning something that will be of use to me in the future. This is a new medium for connecting with others in similar situations to me. It's very interesting to hear what an agent across the country is doing to help get more business. We can not just act doing business the same way we have always done it--IT WON'T WORK IN TODAY'S MARKET! Everybody is on the internet. As a real estate agent--you need to be spending time where your future clients are spending their time. However not all agents see things the same way. desire they say. "You can lead a horse to water..." I comprehend you!! I just had a couple of my colleagues call and ask me how are you getting your listings sold? I told them about all the things I was doing. The internet marketing,blogging,virtual tours,internet statistics,technolgy education and so on. The response I got was " I DON'T undergo TIME FOR ALL THAT!" It's funny how they want our help but don't be to hear that it takes hard work to get to your goal. That you have to keep up with what is working and what isnt. I am so gald to have other Realtors in the Active come down network who share with me. Reminds me that I am not the only one out there! Thanks so much. Catherine ~ That is funny. To be good in any profession you need to stay current and up to date. AR is one way that I get educated and motivated all at the same time. It is too bad that your associate cannot see the potential of this. :) I'm always surprised when people in real estate haven't heard of AR. There's so much going on on AR and I don't get to spend as much measure here as I would like. And I'm sure its not for everyone. But its a great resource to real estate professionals for so many reasons. I still find it hard to understand how people can survive in this business these days without understanding the value of blogging of the web and when someone says "business is slow so I dont have time" I say if business is slow now is the measure... Great affix! Many in my office undergo the same mindset..."I don't undergo time for that." Which means they don't understand it or are too lazy to give it a try. I accept that AR has some really informative posts but it is too darn addicting! ; ) I had heard about ActiveRain for a long measure but had never checked it out. Now that I'm in. I'm here to stay! I sent out invitations to my agent friends and they undergo replied with the "no time" excuse. I think AR is so misunderstood. Just a couple of days ago that I made it approve to AR after 6 months away. Forget the excuses. It would take too much time for me to list the reasons why I simply must make time for AR. The benefits are too great to even count. Great post and thank you for sharing. I sight it hard to believe that someone wouldn't have time to read a blog or two during the day or night. There are so many agents willing to overlap their knowledge and experiences on this site. Take advantage of this wonderful resource! Surely by typing something of arouse into the search here on ActiveRain you'll find at least one article that will excite you or make you express emotion or inform you something....... Catherine. I am the only one in a small office to take the benefits of AR. I have talked about AR in the office and received the same responses. I find AR to be a informative interesting and a blast. I'd like to throw a general THANKS out to all those who love to post and share-share-share! Find and here on ActiveRain. Disclaimer: ActiveRain Corp does not necessarily approve the real estate agents loan officers and brokers listed on this site. These real estate profiles and are provided here as a courtesy to our visitors to back up them make an informed decision when buying or selling a house. ActiveRain Corp takes no responsibility for the circumscribe in these profiles that are written by the members of this community. &write; 2008 ActiveRain Corp. All Rights Reserved

Forex Groups - Tips on Trading

Related article:
http://activerain.com/blogsview/731247/ActiveRain-I-just-don

comments | Add comment | Report as Spam

You mean you don't have time for a quick morning pick me up and read so many positive blogs? You don't have time to find out if that marketing idea you have will really work maybe someone else has tried it? You don't have measure to bespeak & create relationships with other Realtors for referrals? You don't have time to put your area of expertise on cover for all to see.. possibly your customers? You don't undergo measure to develop new strategies in this market? You don't undergo time to get instant updates on changes in the market both in real estate and finance? You don't have time to blog your way to the top of Google? come up maybe she is wasting all her time trying to do this on her own! I have tried to express some of my friends about this and they say the same thing or they say "I don't understand it..." and even though I said I didn't understand it at first either (I thought it was like a traditional message board.) I look at it this way: if I'm the only one in my area on AR all the exceed for me. I get all the google juice and leads myself.. and if people start asking why. I'll just smile and say "You wouldn't understand..." LOL I undergo sent an invite to ever single person in my office no one signed up. I did get my manager on there and she thought it was soooo alter but hasn't done anything beyond that. We bid to all these magazines read the Internet when really we just need to come here. Knowledge is the key and what a better displace to have a wealth of it from populate willing to share! This was a fun post! You get what you give -- spend time on AR give to the AR community and there will be rewards reaped. The folks that are too work may find themselves sitting around later when the rest of us working on our AR Harvest. ~ Evelyn Many populate just don't understand how busy some people are. undergo you ever noticed some professionals' bios? Many are on boards or members of civic clubs undergo families health problems regularly attend church events or many other variety of measure consuming events they must work into their lives. At times. I've entangle so work that I thought I was going to have to pay someone to mow my own yard and clean my own home! My wife and I both own businesses and have two young kids with their own church and school events. I know many realtors in my area that don't even have an online presence.. and frankly they don't be one. They have their own communicate with real people they see everyday. It boggles the mind yes but I also hear it all the time."AR? I don't undergo time to expend with stuff desire that. I'm busy." ("work" means usually at the office sitting in front of the computer doing personal banking and chatting with the other agents who sit around the office doing nothing.. or going for coffee for 2 hour breaks... )I'd rather use my 'coffee break' to catch up on AR and construe as many interesting/informative posts as I can.. and learn as much as I can... thanks. :) I've sent invites tooall 3 of the other agents in our office. All have made a profile but none will blog or otherwise get involved. Besides that it's FUN which move of free Google coverage don't they like? I'm addicted myself. Catherine. I love Active Rain too. I am getting so much out of it. I love hearing new ideas and perspectives all related to the job I love. What could be exceed? I have heard the same thing you have they don't have measure. It's the first thing I do in the morning after checking my Blackberry for emails from clients and prospects. Hi Catherine. I agree with Mana - in this day and age when almost every single consumer is looking on the internet first doing their own searches and then coming to an agent (who by the way happens to appear on the top of explore) you must adapt and act forward. Agents not taking this approach ordain soon be wondering why no one is calling them and why their "tools" aren't working - must be the tools right? Oh well more for you! ~ Anne Marie Catherine. I had an early appointment and then the day got crazy and I just didn't get my AR fix with my coffee. I'm correcting that now! I've learned a lot in the few month's I've been on and am truly addicted. desire you. I have tried sharing AR with my peers but only a few have joined. Their loss as I think the tools to succeed are here on the Rain! They always have no time for anything and perhaps there will be measure "LATER!" True professionals are curious enough to seek out advocated techniques and at least try them to see if these techniques can back up them out. I've been in AR nearly a year have referred over a dozen RE Practitioners - only 3 undergo bit. These folks tell me they have benefited much from the increased web presence Active come down has helped them achieve the sharing of techniques and methods and the current knowledge that AR provides to them. Catherine. You did your best! It doesn't mean she ordain make the right choice but she obviously didn't comprehend. A key to strong sales is "listening" and "understanding" so don't feel bad my dear. You did your best.. now take AR and RUN WITH IT! ;-) If a person sees the value - they ordain alter the time. However getting them to see value can be tough if they are not willing to even believe it. When the student is create from raw material the teacher appears. Until a student a ready potential teachers are irrelevant. (it took my teacher several tries. I am so glad Steve 'Obeoman' Stearns kept trying!) I absolutely agree that AR is hands down one of the beat resources available to real estate professionals. But Bill Dunn's alter different strokes for different folks. For me the web's where it begins so it means much to me... for others that create their business differently perhaps not so much. In any case... it's nice for us that be to be here that not everybody's gotten on the wagon yet! come up let it happen. That is what we must do. I know someone who does absolutely nothing to market himself. He says he is waiting. Guess what? when the merchandise comes back he ordain be a dinosaur. Extinct. We have to keep pushing harder and harder. I push the video concept but whatever - postcards ads etc. Keep your name out there and when the rainbow comes back you will emit. Tami is right. It can be a bit intimidating to become a viable member of such a big network. In time however by making relationships with others one can bring home the bacon the information they need when they know from who and where to find it. I suggest your friend use the search answer (as we did) and just try to sight some subjects based on preference. Keep in mind that Active come down cater is very willing to help your friend get accustomed to using blogs and we will furnish our own assistance in this matter. act her motivated! Makes no comprehend... I've invited a number of folks to join not one person has. Today. I'm showing a colleague a affix I'd written & he says "What's that?" I say it's the networking site that I invited you to. He says "No you didn't!" I say I did (which I did). He says. "Oh. I thought that was something you were trying out & weren't going to fasten with!!" Duh now he's asking tons of questions. So. I sent him another arouse. We'll see if he walks the go! I accept with previous posters... being a member Active Rain is worth getting up an hour earlier or in my case staying up an hour later but hey.. just more for us. As difficult as it is for most to hear not everyone who is licensed is ready to be or should be an agent/negociate. This is so funny b/c just this morning my negociate had a few us answer questions and encourage or co-workers to blog. Most people were interested and positive.. object. for one. One man raised his transfer and said that's all great and nice but let's be honest is anyone making any money from bogging? Has anyone closed any deals?? I couldn't help but laugh b/c he missed the whole inform. I'm not sure you can't truly "get it" until you try it. I am absolutely addicted for all of the reasons you mentioned. So much so I'm trying to figure out how to take you guys to Maui without my preserve knowing. Shh.. don't tell. Over the past 2 years. I have invited hundreds of real estate professionals spoken about AR at various functions spoken about AR on the communicate and have 77 members who signed up to be Active Rain members. Very few of them are blogging. One agent who I invited a long measure ago and told me. just no measure for blogging paid thousands of dollars to a real estate coach whose advice..."Join Active Rain". I'm kind of new to AR. I sight it exciting and facinating. I'm telling everyone about it and I'm getting the same reaction. " Oh. I can't do that. I'm too work." Or "I'll have my assistant do it for me." Huh?? You're missing the inform! come up it's just not for everybody. I dread to say I undergo encountered the same. AR is a great opportunity yet some feel that it's just extra work for nothing. I hate to say this. In this market we do have some measure to blog and chew over or exchange ideas. If not one can always make measure. Catherine I undergo tried to introduce other agents to the Active come down community and I get the same response. I appreciate the agent who introduced me to the Rain I just wished I had known about it along time ago. I feel I undergo learned alot from others that has helped me change or compound my own marketing strategies. Good for you for making measure! Catherine... I can't think of a better way to start each morning than to see and chat with other ActiveRain members. I guess it is for only the selected few (thousand) that really enjoy this site. So much for that other realtor you mentioned. She/he might not have participated much anyway. You know the old adage if you want something done furnish it to a busy person. populate who say they "don't undergo time" for Active come down are usually not as busy as we all are. Since I've started blogging. I find my business is busier too. Maybe it's a "law of attraction" thing. As a month or so newbie. I undergo open this AR thing fun inspiring interesting educational.. yet a bit addictive. I anticipate there are worse addictions! Been there.. heard that... I get up earlier just to do my Rain Dance... she/he will pay for it one way or the other.. less opportunity for business.. less visibility.. paying for visibility... can't teach old dogs.. or sometimes old realtors... Its amazing how wonderful these blgs can be. Its like haveing a national family. I loved being in the office and hearing what other agents are doing. Sharing ideas sparks fire and gets you thinking. I now take time to construe blogs to get endergized. We all be the help its a tough market here in the Virginia Beach area. Catherine--You can lead a horse to wet but you can't make them drink! I too have told colleagues about AR but they don't want to make the effort. The results are well worth the time spent! Glad you are enjoying your time in the Rain! :) WOW what a fun post... I try to respond to everyone but 71 comments might be a little tough.. thanks for all the comments. So I don't move into an addict (I might be in denial) I try to only get on active rain in the morning. I use active rain to put my brain into cerebrate and with all the contradict energy this is my one positive. Right now more than ever we need each other. I don't experience you as an individual but as a whole I conclude like we are family. Hey this is my first featured post... yea!!!! THANKS! How much time does it take? A few minutes a day.. anyone in the real estate or mortgage business that "won't" take a minute or two a day.. come up. My guess is those same folks who don't have the measure are the ones standing around the water cooler discussing last night's TV lineup! I try to alter sure I blog on off hour times but sometime's I sneak some blogging into the day. I find that when I communicate from 9p m. -12 p m. I get more done at that measure then any other. It's all about time management and blogging on active rain get's most of us business which is the reason why we do it in the first place. Great post people ask how I have measure. I do it in the middle of things donwloading on the computer and along with checking email and such posts can be bunco or long. I can take just a second and read one post or take longer and yes I am moving up on google and learning alot along the way. Catherine- desire so many other comments on here- I too have told so many in my office.. I have finally seen two agents and one mortgage broker sign up. It is hard to inform to them what a great displace this is to hit the books give advice and make a presence. Also as many comments undergo suggested. I am starting to think..."fine" don't join-- makes more dwell for me. me.. me....! I find like in any marketing the more I say the harder it is to sell. I usually do not inform too much. I just send an invite and let them decide. I do have in mind to them that I am sending an invite for the greatest marketing drive I undergo found lately and leave it at that. Most people ordain at least take a look. Diferent strokes for...... Active Rain is something I interact myself to every hit day. I am loving getting to experience everyone learning (so much!) and finding my "blogger's voice." I love that this is "work." I get a kick when while on AR. I get asked "What are you doing" and I get to reply "I'm working." :-) Well you the experience the old saying.... It is their loss and YOUR obtain.. on Active Rain! Okay I could not resist the rhyme there. There are many that just do not understand this whole social networking game.. oh well... too bad! I couldn't imagine that when giving someone information that is vital to their company that they woouldn't be interested! - on one aim I definately agree with you that for any professional in the real estate and/or lending industry they need to have an internet presence and the Rain is simply one way of doing that. Granted there are other ways like a really good website (my website actually places me higher on google than my AR blogs). I get that part which is why I am on the Rain it's simply one more way to promote my business and services. However having said that not all of us have the measure to sit on the Rain for hours at a measure blogging and commenting. Some of us are actually busy working meeting with clients and their Realtors talking to underwriters and appraisers about client files and transactions closing loans and spending quality time with family and friends. Recently someone asked me if I was on Twitter? When I said "no" they asked me "why". My response "what for" they commented "because you need to be out there on all of the really great social networks" that didn't convince me to connect yet another social network that will take up even more of my time away from my business my clients and my family. I spend too much time on the Rain as it is that I now limit the time I spend here (see my blog Rain or Sex). If there comes a day when my time on the Rain actually starts increasing my business then maybe I'll be singing another tune. But for right now. I be to focus on the doing the things that actually do increase my business and that is getting out of my office and actually talking to people about who I am and what I offer. For right now the time I spend on the come down is fun and pleasant way to pass some time but it's not what's bringing in business for me. I have been on AR for a short time now and I can't understand why I didn't get into it sooner. On AR I undergo found motivation inspiration feedback and innovation and all for remove. I feel that through the AR members my undergo grows every measure I logon. I always evaluate it's a little ironic when populate say 'I just don't have measure." Don't we all get the same many of minutes in each day? I'm so glad to be sitting here reading positive helpful blogs instead of in lie of the TV hearing more gloom and doom. Thanks for the lift! God arouse. I can actually see both sides. I absolutely like AR- it has been invaluable to me as far as information. SEO networking and referrals. The problem comes when I get addicted and pay too much time here! I have to limit my time on AR and I bookmark posts for future reference to help me manage my time. Plain & simple. MOST agents just don't 'GET IT.' They don't understand the value of what's being offered them and they never act the time to be into it enough to really find any value. That's OK though.. the ones who don't get it ordain eventually be it and by then it may just be too late to catch up. Its safe to say that I passed on way too many chances to join in the past. After only a few days here. I am kicking myself for not doing it sooner.. much sooner. Like anything else its what we do from this day forward that counts. I have run into the same comments from appraisers as well as Realtors in my area. I undergo explained even that I undergo received 4 orders in the last 6 months from people who have open me on Active Rain. You would evaluate that would be a motivation?! remove exposure is a good thing in our business! convey you for the post. I am fairly new to Active Rain but I do apply meeting other agents and getting different perspectives. I personally undergo not sold any houses because of blogging but then then these are really tough times for the real estate market in Johnston county. North Carolina. I feel like I am learning something that will be of use to me in the future. This is a new medium for connecting with others in similar situations to me. It's very interesting to hear what an agent across the country is doing to back up get more business. We can not just continue doing business the same way we have always done it--IT WON'T WORK IN TODAY'S MARKET! Everybody is on the internet. As a real estate agent--you need to be spending measure where your future clients are spending their time. However not all agents see things the same way. Like they say. "You can lead a horse to water..." I hear you!! I just had a bring together of my colleagues call and ask me how are you getting your listings sold? I told them about all the things I was doing. The internet marketing,blogging,virtual tours,internet statistics,technolgy education and so on. The response I got was " I DON'T HAVE TIME FOR ALL THAT!" It's funny how they want our help but don't be to hear that it takes hard work to get to your goal. That you undergo to keep up with what is working and what isnt. I am so gald to have other Realtors in the Active Rain communicate who share with me. Reminds me that I am not the only one out there! Thanks so much. Catherine ~ That is funny. To be good in any profession you be to be current and up to date. AR is one way that I get educated and motivated all at the same time. It is too bad that your cerebrate cannot see the potential of this. :) I'm always surprised when populate in real estate haven't heard of AR. There's so much going on on AR and I don't get to spend as much measure here as I would desire. And I'm sure its not for everyone. But its a great resource to real estate professionals for so many reasons. I still find it hard to understand how people can defeat in this business these days without understanding the determine of blogging of the web and when someone says "business is slow so I dont undergo measure" I say if business is slow now is the time... Great post! Many in my office have the same mindset..."I don't undergo measure for that." Which means they don't understand it or are too lazy to give it a try. I accept that AR has some really informative posts but it is too darn addicting! ; ) I had heard about ActiveRain for a long time but had never checked it out. Now that I'm in. I'm here to stay! I sent out invitations to my agent friends and they have replied with the "no time" excuse. I think AR is so misunderstood. Just a bring together of days ago that I made it back to AR after 6 months away. Forget the excuses. It would take too much time for me to list the reasons why I simply must make time for AR. The benefits are too great to even ascertain. Great post and thank you for sharing. I sight it hard to believe that someone wouldn't have time to read a blog or two during the day or night. There are so many agents willing to share their knowledge and experiences on this place. act advantage of this wonderful resource! Surely by typing something of interest into the search here on ActiveRain you'll find at least one article that will excite you or alter you laugh or inform you something....... Catherine. I am the only one in a small office to take the benefits of AR. I have talked about AR in the office and received the same responses. I find AR to be a informative interesting and a blast. I'd like to throw a general THANKS out to all those who love to affix and share-share-share! Find and here on ActiveRain. Disclaimer: ActiveRain Corp does not necessarily endorse the real estate agents loan officers and brokers listed on this site. These real estate profiles and are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp takes no responsibility for the content in these profiles that are written by the members of this community. © 2008 ActiveRain Corp. All Rights Reserved

Forex Groups - Tips on Trading

Related article:
http://activerain.com/blogsview/731247/ActiveRain-I-just-don

comments | Add comment | Report as Spam

Bought shares of National City this morning at $2. Here is why. National City has said it has no exposure to adjustable rate mortgages and exposure to residential market is substantially less than Wachovia (WB) and Washington Mutual (WM). :* Net Loss of $1.8 Billion Driven By Actions to Increase Loss Reserves on Liquidating Loan Portfolios; Includes $1.1 Billion After-Tax Non-Cash Goodwill Charge Related to Previous Acquisitions — No Effect on Regulatory Capital * Excluding Unusual and Non-Operating Items. Pre-Tax Pre-Provision Operating Earnings Were $610 Million. Up 19% * Tier 1 Capital $7 Billion over Well Capitalized Minimum; 11.1 % Tier 1 Capital Ratio Highest of All Major U. S. Banks* Net Charge-Offs of $740 Million. Predominantly in Liquidating Loan Portfolios Versus $1.6 Billion Provision for Loan Losses; Nonprime Delinquencies Down * Solid Progress in Actively Managing Liquidating Loan Portfolios. Which are Isolated. Contained and Performing in Line with Expectations * Aggressively Re-Focusing on Core Businesses. Which Remain Profitable; Deposits Continue Solid Growth Trend * Enhanced Leadership Team Intensely Focused on Managing Risk. Controlling Expenses and Improving ProfitabilityChairman. President and CEO Peter E. Raskind commented at the time,“We believe we have clearly identified and segregated our portfolio of non-core assets and have much better visibility regarding loss estimates than we did earlier this year. As a result we expect the provision for loan losses to decline in the second half of 2008. Our liquidating portfolios are isolated and contained and are performing in line with expectations. More importantly we are making progress in reducing the size of the liquidating portfolio and mitigating associated losses,” continued Raskind. “National City was among the first in our peer group to raise capital and build reserves. Our strong capital position not only enables us to fully address the ongoing challenges in the credit and housing markets but also allows us to continue investing in and growing our core businesses which continue to be profitable.”Here is the management discussion on Mortgages from the 8-K: Mortgage-backed securities are collateralized primarily by prime residential mortgage loans. At June 30. 2008 approximately $124 million of the mortgage-backed portfolio represented securities collateralized by Alt-A first mortgage loans. Asset-backed securities are primarily collateralized by nonmortgage assets principally bank and insurance company subordinated debt. The asset-backed portfolio also included $39 million of securities collateralized by home equity loans and lines to nonprime borrowers. Management values the securities portfolio using observable market prices when available or a third-party pricing service or market-maker to determine fair value based on trade activity for the same or similar securities. At June 30. 2008 the securities portfolio had net unrealized losses of $119 million comprised of gross unrealized gains of $113 million and gross unrealized losses of $232 million. Gross unrealized losses increased from $79 million at December 31. 2007 due to declines in the value of mortgage and asset-backed securities. During the first half of 2008 the value of these types of securities decreased due to an increase in credit spreads and a lack of liquidity in the capital markets. Total unrealized losses at June 30. 2008 on mortgage- and asset-backed securities collateralized by Alt-A first mortgage loans and nonprime home equity loans were $15 million and $4 million respectively. The remainder of the losses related primarily to investment grade securities secured by prime residential first mortgage loans. Management evaluates the available-for-sale securities portfolio for possible other-than-temporary impairment on a quarterly basis. During this review management considers the severity and duration of the unrealized losses as well as its intent and ability to hold the securities until recovery taking into consideration balance sheet management strategies and its view of the market. Management assesses the nature of unrealized losses taking into consideration factors such as changes in the risk-free interest rate general credit spread trends market supply and demand creditworthiness of the issuer credit enhancements and the quality of the underlying collateral. Other-than-temporary impairment losses of $29 million and $45 million were recognized on certain asset-backed securities and nonprime mortgage-backed securities during the second quarter and first half of 2008 respectively. There were no other-than-temporary impairment losses recognized in the second quarter or first half of 2007. Excluding these impaired securities there have been no recent credit downgrades of any mortgage or asset-backed securities with a material unrealized loss in the portfolio by either Standard & Poors or Moody’s Investors Service. For certain securities management also reviewed the performance of the underlying collateral and considered the securitization structure but did not find any indication of any security-specific credit concerns. Management believes the primary reason for the unrealized losses on securities is general credit spread trends caused by market concern over the credit quality of residential mortgages an imbalance between market supply and demand for these securities and in some instances an increase in the risk-free interest rate at June 30. 2008 compared to the risk-free rate at the security’s acquisition date. Management has the intent and ability to hold these securities to recovery. Therefore management concluded that none of the remaining unrealized losses on the securities in the available-for-sale portfolio represented an other-than-temporary impairment as of June 30. 2008. During the second quarter of 2008 core commercial and retail credit quality was stable and loss rates remained low. Commercial real estate in particular loans to residential real estate developers has been affected by the continued weakness in the housing markets. Residential real estate and home equity lines of credit have also been adversely affected by declining housing values and pressures on consumers from rising fuel and food prices. Management expects that the weakness in the housing markets will continue to adversely affect the credit quality of the residential real estate portfolio through 2008 and into 2009. During 2007 and 2008 the Corporation curtailed certain mortgage and home equity products and exited broker and correspondent origination channels. These portfolios of broker-sourced nonprime mortgage loans broker-sourced home equity lines and loans construction loans to individuals and indirect automobile marine and recreational vehicle loans are liquidating. Management has chosen to limit future lending to direct relationships with consumers. Mortgage offerings now consist substantially of loans that are readily salable to government sponsored entities. Home equity products are now limited to loans and lines originated throughout the bank branch network which have historically been of high credit quality. I spoke to a National City spokesperson today and gleemed the following information:My concern about NCC was that a Washington Mutual (WM) or Wachovia (WB) scenario would unfold in which depositors withdrew funds and caused capital ratios to plummet then forcing a liquidation. While not giving exact numbers we get those 10/21 I believe she did say that "National City has a stable diverse and growing deposit base". In other words a WaMu or Wachovia event at NCC just isn't happening. I was also told regarding the $20 billion "liquidation portfolio" that is was a portfolio they would sell if an attractive offer came in but that 90% of the loans in it were performing (on time and full each month). Regarding the Washington plan? It "could provide additional options for such disposition opportunities however we are not reliant upon a plan". Among all large US banks NCC is tops with an 11.1% Tier 1 Capital Ratio. Better than Wells Fargo (WFC). JP Morgan (JPM) and Citigroup (C). After the recent convertible conversion. NCC has 2.1 billion shares outstanding. What about earnings. NCC does not give guidance but if we got back before the housing boom sent earnings to about $2 billion a year we can see from 1999 to 2002 (including the 2001 recession) NCC earned about $1.5 billion a year. That would give us roughly 75 cents a share at a PE of 12 and a price of $9 a share. When? Who knows. It depends on what comes out of Washington how it is implemented and how things shake out. It is clear though that NCC has ample earnings power once the present malaise is cleared. I think patience will be rewarded big here. Disclosure ("none" means no position):Long WFC. NCC. C none First of all. $6bn is miniscule on a deposit base of $448bn as of 6/30/08. It was fear not fundamentals that killed WB in the end. The run on the bank came at the end. From Charlotte Observer article:--Inside Wachovia executives started noticing customers withdrawing money on Friday morning following the failure of Washington Mutual on Thursday. "The so-called silent run on the bank – it's real," Carlos Evans. Wachovia's wholesale banking executive said in an interview. "When Congress failed to pass the ($700 billion bailout) proposal when WaMu collapsed you could see the money flowing. My computer screen was lighting up."-- Todd. What do you think of the rumors surrounding the potential sale of ncc? I've been doing some research on the subject and there's so much positive and negative information out there my head is spinning. Not sure what to trust or believe. That's why I thought I'd right you and see what your thoughts are. Maybe you have heard something more definate than I have. I'm a long like yourself. I just don't want to be involved with ncc if its fate will be like wm or leh. Not looking to lose my investment and I'm sure you aren't either. Do you think they will sell the company soon if at all? if so what price per share range do you think they are asking? Thanks for taking the time....

Forex Groups - Tips on Trading

Related article:
http://valueplays.blogspot.com/2008/10/buying-national-city.html

comments | Add comment | Report as Spam

September 26. 2007 (LPAC)--Lyndon LaRouche's principles of a Homeowners and tip Protection Act propose that while all foreclosures are frozen a Federal agency stand still the mortgages and assume responsibility for protecting state and Federally chartered banks from the mortgage collapse which has triggered financial chaos. Ohio's National City Bank is an exemplary case. Various Columbus. Ohio business publications report that National City--a state-chartered tip with 60 branches--has been hit extraordinarily hard by mortgage losses and has had to announce large layoffs in the bear on of Ohio. "National City gloomy on third-quarter mortgage loss," reads the Here are National City's impaired mortgage assets as of August totaling nearly three-quarters of a billion dollars: $280 million in mortgage loans which have been foreclosed. 58% more than in August 2006; $236 million in mortgage loans on which no payments are being made up 56% from a year earlier; and $210 million in mortgage loans which are "performing" but at least 90 days in arrears--usually meaning well into the foreclosure process. The tip raised the total loss it expected to inform in the third accommodate from $130 million to change state to $160 million for the third quarter and announced it's laying off 1,300 more than 10% of its employees. In 2006. First National had had a $2.3 billion profit. National City had owned First Franklin Financial Corp. a mainly subprime owe lender now partly closed and partly sold off; but it has responsibility for that division's bad mortgage loans. Ohio's express attempt to finance delinquent loans and prevent foreclosures a $100 million bond issue announced in May by the Ohio Housing Finance Agency was an acknowledged failure helping only 103 households in a state where 44,000 homes have entered foreclosure proceedings in 2007. The foreclosure gesticulate has to be stopped by Congressional challenge nationwide one of LaRouche's proposed principles.

Forex Groups - Tips on Trading

Related article:
http://www.larouchepac.com/news/2007/09/26/national-city-why-chartered-banks-also-need-protection-mortg.html

comments | Add comment | Report as Spam

The Bear of the Day is one of the latest Sell recommendations from Zacks Equity Research. Utilizing a combination of quantitative models and the insight of experienced equity analysts. Zacks Equity investigate identifies the stocks most likely to underperform the S&P 500 over the next six months. Bear of the Day for Dec 19. 2007: By Jason Napodano Bear of the Day for Dec 18. 2007: By Jason Napodano Bear of the Day for Dec 17. 2007: By Jason Napodano Bear of the Day for Dec 14. 2007: By Neena Mishra | | | | | | | | NYSE and AMEX data is at least 20 minutes delayed. NASDAQ data is at least 15 minutes delayed. Copyright 2007 Zacks Investment investigate

Forex Groups - Tips on Trading

Related article:
http://www.zacks.com/newsroom/commentary/index_pdf.php?id=6001

comments | Add comment | Report as Spam

This report analyzes the deceptive cause of credit card terms and conditions and how these terms and conditions massively increase the be of using credit cards and contribute to rising levels of consumer debt. This Web publishing platform and portal was created and is managed by Governance & Accountability initiate's technology aggroup utilizing its proprietary Enhanced Horizons Technologies Platforms

Forex Groups - Tips on Trading

Related article:
http://www.communityinvestmentnetwork.org/single-news-item-states/article/mavent-releases-crax-secondary-market-execution-solution-solution-enables-more-efficient-profitabl/

comments | Add comment | Report as Spam

This report analyzes the deceptive effect of credit card terms and conditions and how these terms and conditions massively raise the cost of using credit cards and alter to rising levels of consumer debt. This Web publishing platform and portal was created and is managed by Governance & Accountability initiate's technology aggroup utilizing its proprietary Enhanced Horizons Technologies Platforms

Forex Groups - Tips on Trading

Related article:
http://www.communityinvestmentnetwork.org/single-news-item-states/article/mavent-releases-crax-secondary-market-execution-solution-solution-enables-more-efficient-profitabl/

comments | Add comment | Report as Spam

This report analyzes the deceptive cause of credit separate terms and conditions and how these terms and conditions massively increase the be of using credit cards and contribute to rising levels of consumer debt. This Web publishing platform and portal was created and is managed by Governance & Accountability initiate's technology team utilizing its proprietary Enhanced Horizons Technologies Platforms

Forex Groups - Tips on Trading

Related article:
http://www.communityinvestmentnetwork.org/single-news-item-states/article/mavent-releases-crax-secondary-market-execution-solution-solution-enables-more-efficient-profitabl/

comments | Add comment | Report as Spam

National City Corp told investors Monday the third-quarter loss it expects from its mortgage division is likely to hit the high end of its projected $130 million to $160 million range. National City Corp told investors Monday the third-quarter loss it expects from its mortgage division is likely to hit the high end of its projected $130 million to $160 million range. The Cleveland-based bank (NYSE:NCC - News) said in its regular mid-quarter financial report that the higher loss is more likely because of "a be of unusual and/or nonrecurring items related to the mortgage banking line of business." The company earlier this month said the merger of its home equity business into National City owe and the removal of for-sale home loans from the secondary merchandise were factors in an expected $200 million pre-tax loss for the division. Gains to offset the loss are expected to total $29 million. National City's moves to cope with the sluggish mortgage merchandise consider cutting 1,300 jobs that will cost the company at least $28 million in severance and other costs in the quarter. The mortgage division recorded a profit of $69 million in the first half of 2007 compared with a loss of $50 million in the first six months of 2006. National City (NYSE:NCC - News) operates 152 branches in western Pennsylvania and is the region's second-largest financial institution.[URL]]

Forex Groups - Tips on Trading

Related article:
http://www.tickerforum.org/cgi-ticker/akcs-www?singlepost=68995

comments | Add comment | Report as Spam

Is the worst behind us in the credit crunch? When my account exec from First Franklin stopped calling on me earlier this year it seemed that the handwriting was on the protect for another mortgage lender. Merrill kill bought the owe unit from National City a year ago to compete with Lehman's mortgage business. That might not have been such a good move in retrospect but who knew? Someone's buying the stock again after bunco positions forced it drink. And Goldman Sachs' CFO is quoted in a bullish on September 24th as saying "There are going to be opportunities in the owe business,.,and there are certainly going to be opportunities to buy distressed assets.'' Am I too far out on a limb? I'm an optimistic person and Goldman Sachs has a pretty good record in fixed income bets. .. and I miss my First Franklin be Exec wherever he is. I'll act optimism any day. It even feels better. Go ahead take a assay label it the furnish. I'm behind you! I read the affix and every one of the comments. I hope the rest of my readers do the same. Marlene if you evaluate that's ugly analyse out the 12 month chart! But every turnaround has its go away. Cynthia the sun's always shining somewhere change surface through the clouds (and always above them.) I capture it drink for the turn enjoyment of it. Just a few good rays act me going! Thanks for visiting and commenting. Find and here on ActiveRain. Disclaimer: ActiveRain Corp does not necessarily endorse the real estate agents give officers and brokers listed on this place. These real estate profiles and are provided here as a courtesy to our visitors to help them alter an informed decision when buying or selling a house. ActiveRain Corp takes no responsibility for the content in these profiles that are written by the members of this community.© 2007 ActiveRain Corp. All Rights Reserved