Thursday, February 16, 2012

$20,000 for Home Owners to do a Short Sale? Say What??? Only for my Realtor Friends...everyone else don't watch this.

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Sam Parwiz
916-409-6855

RE/MAX Gold

Sales Executive

CA Dre Lic. #01370920

www.SamParwiz.com

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Wednesday, February 15, 2012

Look.... 5 things people said most before pass away

'I wish I'd hadn't worked so hard' and other great regrets of the dying... as revealed by former nursing home carer

Bronnie Ware has written a book about her experiences looking after the terminally ill

By GRAHAM SMITH

Last updated at 2:39 PM on 30th January 2012

It is something none of us wants to contemplate - lying on our death bed worrying about the things we should have done.

Now a former nurse who cared for the terminally ill has revealed the five most common regrets of the dying.

Bronnie Ware spent several years working in palliative care in Australia, looking after patients in the last three to 12 weeks of their lives.

Recollections: Former nurse Bronnie Ware spent several years working in palliative care in Australia, looking after patients in the last three to 12 weeks of their lives

Recollections: Former nurse Bronnie Ware spent years working in palliative care in Australia, looking after patients in the last three to 12 weeks of their lives

During that time, she became accustomed to hearing the elderly reveal their biggest regrets.

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Perhaps unsurprisingly, it is the simple things in life, like staying in touch with friends and being true to yourself, that most people wished they had been able to achieve.

Ms Ware found that men regretted working too hard, while many people wish they had had the courage to more frequently express their feelings.

Book: The Top Five Regrets of the Dying - A Life Transformed by the Dearly Departing

Inspired by what she discovered, Ms Ware has written a book -The Top Five Regrets Of The Dying: A Life Transformed By The Dearly Departing - about her experiences.

She said: 'My patients were those who had gone home to die and some incredibly special times were shared.

'People grow a lot when they are faced with their own mortality and some changes were phenomenal.

'Each experienced a variety of emotions, as expected - denial, fear, anger, remorse, more denial and eventually acceptance.

'Every single patient found their peace before they departed though.

'When questioned about any regrets they had or anything they would do differently, common themes surfaced again and again.'

Ms Ware recorded the most frequent five regrets in the elderly as:

I wish I'd had the courage to live a life true to myself, not the life others expected of me.
'This was the most common regret of all. When people realise that their life is almost over and look back clearly on it, it is easy to see how many dreams have gone unfulfilled. Most people had not honoured even a half of their dreams and had to die knowing that it was due to choices they had made, or not made.Health brings a freedom very few realise, until they no longer have it.'
I wish I hadn't worked so hard.
'This came from every male patient that I nursed. They missed their children's youth and their partner's companionship. Women also spoke of this regret, but as most were from an older generation, many of the female patients had not been breadwinners. All of the men I nursed deeply regretted spending so much of their lives on the treadmill of a work existence.'
I wish I'd had the courage to express my feelings.

'Many people suppressed their feelings in order to keep peace with others. As a result, they settled for a mediocre existence and never became who they were truly capable of becoming. Many developed illnesses relating to the bitterness and resentment they carried as a result.'

I wish I had stayed in touch with my friends.

'Often they would not truly realise the full benefits of old friends until their dying weeks and it was not always possible to track them down. Many had become so caught up in their own lives that they had let golden friendships slip by over the years. There were many deep regrets about not giving friendships the time and effort that they deserved. Everyone misses their friends when they are dying.'

I wish that I had let myself be happier.

'This is a surprisingly common one. Many did not realise until the end that happiness is a choice. They had stayed stuck in old patterns and habits. The so-called 'comfort' of familiarity overflowed into their emotions, as well as their physical lives.Fear of change had them pretending to others, and to their selves, that they were content, when deep within, they longed to laugh properly and have silliness in their life again.

Respectfully,

Sam Parwiz

916-409-6855

RE/MAX Gold

Sales Executive

CA Dre Lic. #01370920

www.SamParwiz.com

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Monday, February 13, 2012

Bernanke: Housing Still Hurting Consumer Spending

By The Associated Press | Posted Feb 13th 2012 9:30AM

WASHINGTON -- Ben Bernanke says declines in home prices have forced many Americans to cut back sharply on spending and warns that the trend could continue to weigh on the economy for years.

The Federal Reserve chairman drew the connection between home values and consumer spending, which fuels 70 percent of economic activity, on Friday during a speech to the National Association of Home Builders in Orlando.

Bernanke says the broader economy won't fully recover until the depressed housing market turns around. People are spending less because they are stuck in "underwater" homes, which are worth less than what is owed on the mortgage. And home values are falling because of foreclosures and tight credit -- even in areas with lower unemployment.

"Recent declines in housing wealth may be reducing consumer spending between $200 billion and $375 billion per year. That reduction corresponds to lower living standards for many Americans," Bernanke said.

The Fed chairman said there's no "silver bullet" to rescue the housing market. Renting out foreclosed homes and reducing or modifying mortgages are among steps that could help.

"Low or negative equity creates additional problems for households," Bernanke said. "It reduces financial flexibility: Homeowners who are underwater on their mortgages cannot tap home equity to pay for emergency health expenses or their children's college educations.

There have been modest signs of improvement in recent months. Sales of previously occupied homes rose in the last three months. Homebuilders are more optimistic after seeing more people express interest in buying this year. And home construction picked up in the final quarter of last year, which helped housing contribute to broader economic growth.

Still, last year was the weakest for new-home sales on records dating back to 1963. Sales of previously occupied homes have also been at depressed levels. And home prices continue to fall.

Low Interest Rates Add Little Lift

The Fed issued a white paper last month that included a number of proposals to boost home sales. The paper sparked some criticism. Rep. Scott Garrett (R-N.J.) told Bernanke last week during a congressional appearance that he was taken aback that the Fed would offer unsolicited advice to Congress, putting forward proposals which Garrett said mirrored in many ways ideas being pushed by the Obama administration.

Bernanke said the Fed only wanted to provide pros and cons on various approaches, and he said Fed officials remained concerned because the weak housing sector was holding back overall growth.

The central bank has tried to help by keeping its benchmark interest rate at a record low near zero. And the Fed recently signaled that it doesn't plan to raise the rate before late 2014.

The Fed's decision to hold rates down, along with two major rounds of bond purchases, has led to lower mortgage rates.

Lower mortgage rates typically encourage more buying and refinancing.

Still, damage from the housing crisis has been so widespread that even the cheapest mortgage rates in history haven't been enough to lift home sales. And many banks have restricted lending to only those with the best credit.

After the Fed's meeting in January, Bernanke said the Fed has not ruled out a third round of bond purchases. Bernanke told the builders' group Friday that the Fed has been working to loosen tight lending standards.

"I do think that conditions are still too tight for the health of the financial system, the construction industry and our economy," Bernanke said. "As regulators, we have been very clear to the banks ... that we want them to take a balanced approach. We want them to make prudent loans and we don't want them to turn away creditworthy borrowers."

Asked about unanticipated shocks that could set back economic growth, Bernanke cited the European debt crisis and continued budget uncertainties in Washington.

"We will be paying close attention to what is happening and hoping that our economy is developing enough steam so that it will be able to continue to recover even if there are some bumps along the road," Bernanke said.

Bernanke's speech came a day after the government announced it had reached a landmark $25 billion deal with the nation's biggest mortgage lenders over foreclosure abuses that had occurred after the nation's housing bubble burst in the middle of the last decade.

That deal will require five of the largest banks to reduce loans for about 1 million households at risk of foreclosure. The lenders will also send checks of $2,000 to about 750,000 American who were improperly foreclosed on.

Copyright 2012 The Associated Press. The information contained in the AP news report may not be published, broadcast, rewritten or otherwise distributed without the prior written authority of The Associated Press. Active hyperlinks have been inserted by AOL.

Respectfully,

Sam Parwiz
916-409-6855

RE/MAX Gold

Sales Executive

CA Dre Lic. #01370920

www.SamParwiz.com

YouTube - sparwiz
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Friday, February 10, 2012

Cool App for my Real Estate Agent Friends and Home Buyers

House Hunter

By Cre8tive Apps, LLC

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Open iTunes to buy and download apps.

Description

Tech Savvy Agent calls our app one of the killer apps agents should recommend to their clients.

Trulia's blog put House Hunter #3 on their list of 7 uber helpful mobile apps for house hunters.

Shopping for a home and all the choices running together? Trying to remember which one had which feature? Having trouble trying to decide which one best meets your needs? House Hunter can help!

The House Hunter scorecard is a simple, but powerful tool to help you track and organize all your data as you search for the perfect home. House Hunter also helps you evaluate and compare the different homes you are considering for purchase. The scorecard helps to remove the emotional stress and confusion of selecting your next home by providing you relative scores based upon your own unique requirements and priorities. No longer do you need to struggle to remember details of each home you visit. No longer do you need to judge a house solely on feelings, but never quite sure if the home will meet your needs. House Hunter is loaded with features to help you make an informed decision on your next home purchase.