Kim & Terra's Blog

Work trips are usually not very exciting, but with Keller Williams it’s always fun and exciting! Terra and Kim brought me this year to Keller Williams Mega Camp in Austin, Texas. We all attended  meetings and classes, but on top of that there was a Blood, Sweat, and Tears concert, huge exercise groups, dinners with fellow Keller Williams agents,  and motivational speakers. All of the activities made us realize how blessed we really are and how being part of the 3rd largest real estate company in the world is awesome!

Three weeks ago Terra and Kim hired me to be their full time real estate assistant. Since then I have taken over a couple different duties to help make their life less stressful.  Hopefully, I will keep taking over more so they can expand their business and assist their clients better.  I attended a class that focused on all technologies that are available to help realtors reach out to the public.  The explained how important it is to build relationships with strangers, not only to help them in the real estate world, but to add value to their lives in your own personal way.
I am very excited about this new adventure in my life! Hopefully I will learn fast and their business will grow to be even more successful.

-Kiley

How to Exercise in the Office

Are you too busy to make it to the gym? Do you not have time to exercise  in between work, making  dinner, cleaning up the kitchen, getting the kids ready for bed, making lunches for the next day, doing laundry and all your other activities? Here are 5 tips according to about.com for exercising while you are at your office.

1.    Take the Stairs- Always use the stairs instead of taking the elevator or escalator. You can burn more calories and get your heart pumping for better circulation. You can apply this rule to your everyday life and be burning more calories everywhere you go!
2.    Throw around Your Weights – Put a couple of five pound weights on the corner of your desk. While you are on the phone on or in between paperwork and emails lift the weights. Do a couple sets of 10 or 12 for a good toning exercise.
3.    Walk it Off- On your lunch break take a 10 minute walk. Whether it is down the hall outside your office or down the block from your building, applying this 10 minute walk and it will rejuvenate you for the rest of the day.
4.    Take it to the Mat- Having a mat in the corner of your office will remind you to roll it out and get to work on your body. Do some pushups, sit ups, or even leg lifts to tone your lower body. What better way to work off that carb filled lunch!
5.    POP in a DVD with the Latest Exercise Craze-After your quick lunch or before you head home pop in an instructor led DVD and burn those calories, stretch those muscles, and release all that stress that has built up throughout the day.

2009 B State Bond Program coming out on the 25th of August.  They are coming out with two different programs.

One is the standard program with 3.5% down payment assistance with  a 6.10% rate on a 30 year term.  It covers FHA, VA, USDA-Rural  Development, & Section 184 Native American  Loans.

The other is the Oklahoma Tax Advance Credit Loan which it is still  a 6.10% rate on the First Mortgage with NO down  payment assistance, but there is a 2nd Mortgage with a 2% rate and a 60  month term.  The 2nd Mortgage is 6% of the First Mortgage Total Loan  amount or $6000.00 which ever is less.  THIS IS NOT AN ADVANCE OF THE TAX CREDIT SO THEY STILL HAVE THE AVAILABILITY OF GETTING  THE TAX CREDIT AS LONG AS THE PROPERTY IS CLOSED BY 11/30/2009.  This program is only available for FHA insured loans, and the customer must be a First Time Homebuyer even in a targeted  area.  The only advantage I see to this program is it gives you more  assistance if you do not have a seller that is willing to contribute to  paying some of the customers closing cost and prepaids.  On a  $121,500 sale price the 2nd Mortgage Payment is just over $105.00  additional per month, which definitely make it more difficult in  qualifying for the over all First and 2nd  Mortgage.

Ted Clay
WR Starkey Mortgage

Although experts predict it will take time for the economy to fully recover, there has been a lot of encouraging news recently.

*The percentage of first-time buyers dipped to 29 percent as a result of more repeat buyers entering the market, suggesting signs of a return to a more balanced market.
*Americans have shifted into savings and are now putting away a larger portion of their income – so much that the U.S. savings rate has now surpassed that of Canada!
*Home prices edged up almost 4 percent between May and June of 2009, due to repeat buyers purchasing at higher price points, and distressed properties accounting for a smaller percentage of sales (33 percent of sales, compared to 45 percent the month before).

Information gathered from www.kw.com

SOURCE Insurance.com

I know this was a random blog, but I thought it was interesting. So, next time you are eating and going to drive, THINK TWICE!