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KEEP A YOUNG MIND! INSPIRATION FOR TODAY:

by Rob Zwemmer

INSPIRATION FOR TODAY:

"Learning is the fountain of youth.
No matter how old you are,
You mustn't stop growing."

~Taoist Meditation, Deng Ming-Dao


KEEP A YOUNG MIND!

Don't believe the phrase "You can't teach an old dog new tricks." Creativity isn't only for artists, writers, or musicians. Creativity isn't just what is represented by a canvas or a novel or a song. We can all be creative in our own way, and the most common way that we can all do this is through learning.

As long as we continue to learn and to try new things, we keep our minds fresh and young, and we engage in the act of "creating ourselves" continually. Today's world presents plenty of opportunities for learning, especially about the environment, other cultures, and technology. Technology itself provides ever-easier ways of accessing knowledge through computers and the Internet. And no one is too young or too old to start!

Look around you at the most vital and energetic seniors you know. What do they have in common? A continuing interest in learning and sharing their knowledge and experience with others - so they are engaged constantly in the process. They keep their minds challenged and young, and in so doing, feel younger in body and spirit. They are certainly different than in their youth, but they continue the learning that began there.

Each new phase of our lives brings us new challenges and opportunities for growth. Growing older necessarily means learning new things. We are constantly creating ourselves in this way, and we can adapt ourselves to any situation by that continuing act of creativity that keeps us young.

http://www.desertonline.com/Blog/Archive/?c=Your%20Monday%20Morning%20Coffee%20for%20Mind%20and%20Spirit

 

Buying properties at $50 - $60 per sqft.

by Rob Zwemmer

Monday, June 29, 2009

By Rob Zwemmer

www.desertonline.com


Good Monday Morning
108°F | 82°F

 

With median home prices at $152,000, and mortgage rates in the high fours the month of May was the 11th strait month that we closed with sales in the double digits. Sale volume in May rose by 38.2% compared to last year.

 

“With affordability for first-time home-buyers at a record high, sales of existing single-family homes are selling fast. “Buyers are beginning to realize that the combination of favorable home prices, historically low mortgage rates and first-time home buyer tax incentives may not happen again for many years.”

Investors are buying properties at $50 - $60 per sqft. These properties normally need some repairs and TLC. If you want to build your own home these days you will be paying a minimum of $100 - $125 per sqft. , and that does not include the land value.


The summer here in the desert always presents great deals in the housing market. There are fewer buyers to compete with and lenders will take greater discounts on their properties.

 

http://www.desertbankownedhomes.com/

 

 

 

Palm Springs Area Mortgage Market update!

Mortgage Rates Today +/- Last Week
30 yr fixed mtg Graph the three month trend 5.46% 5.47%
15 yr fixed mtg Graph the three month trend 4.86% 4.96%
30 yr fixed jumbo mtg Graph the three month trend 6.51% 6.63%
5/1 ARM Graph the three month trend 4.79% 4.75%

 

1 Canadian dollar = 0.865876 U.S. dollars

 

 

E-mail me with any questions you might have

 

Have An Awesome Week!


Rob Zwemmer


AND HERE'S YOUR MONDAY MORNING COFFEE!!
http://www.desertonline.com/Morning-coffee

 

 

BE IMPULSIVE! INSPIRATION FOR TODAY:

by Rob Zwemmer

INSPIRATION FOR TODAY:

"An invasion of armies can be resisted, but not an idea whose time has come."
~ Victor Hugo


BE IMPULSIVE!

There seems to be a lot of anger in the world today. Forget the national and global squabbles, and just take a look closer to home - on your TV, in the schools, among fellow employees - right in your own backyard

There's another attitude issue that could stand some help - disrespect. It seems like the days are gone when youngsters (even 20-somethings) value their elders, social customs, even the laws of the land. Common courtesy and politeness, even among adults, seems non-existent at times.

Want to be a changing force in your personal world? It's easy, costs nothing, and goes a long way towards making a meaningful contribution for the better. It's accomplished with an electrical impulse. Really. Consider your brain. Everything you think of, each idea you have, each action you take begins with an electrical impulse - a single thought. The thought required to cause change is called an "expectation."

Teachers use this thought daily in their classrooms. They EXPECT students to listen, to observe silence, to walk single-file, to not cut in line, and to learn. They EXPECT not to be challenged, disrespected, or ignored when they speak. The best among them EXPECT nothing less than excellence. Know what? Their students respond positively to those expectations.

The electrical impulse called "expectation" is simple to enact, yet more difficult to enforce. You have to really mean it. As a country, a people, even families, we've grown soft on expectations - and it shows. Fear of offending someone seems the rule. Why not be "impulsive" for the next 30 days with those you love by setting a new, higher standard of expectations. The results will both amaze and delight!

Banks have held back on releasing more foreclosures

by Rob Zwemmer

 

 Monday, June 15, 2009

 

By Rob Zwemmer

 

www.desertonline.com

 

Good Monday Morning

86°F | 72°F

 

Many Real Estate sources say that the banks have held back on releasing more foreclosures until they knew for sure how the new federal guidelines would work.  Now that the financial institutions know there is not much incentive, I have been told that a significant amount of foreclosures should be hitting the market in the next few weeks. 

Last week 34 new foreclosures here in the desert came on the market, which indicates the banks have started to release their inventory.

The banks will not be releasing their entire inventory at once and will take advantage of higher rates to help offset losses over the last couple of years.  They are also taking advantage of multiple offers now that the government is offering so many incentives to first time home buyers

A lot of sources and economic news are also indicating that we are nearing the end of the recession here in the valley.

The next 6 months will probably be the best time ever, for buying Real Estate here in the Palm Springs area.

 

 Palm Springs Area Mortgage Market update!

Mortgage Rates

Today

+/-

Last Week

 

30 yr fixed mtg

5.67%

 

5.45%

 

15 yr fixed mtg

5.21%

 

4.97%

 

30 yr fixed jumbo mtg

6.66%

 

6.64%

 

5/1 ARM

4.89%

 

4.68%

 

 1 Canadian dollar = 0.890789 U.S. dollars

 

E-mail me with any questions you might have

 

Have An Awesome Week!

Rob Zwemmer

 


AND HERE'S YOUR MONDAY MORNING COFFEE!!

http://www.desertonline.com/Morning-coffee

Home Sales are UP, UP and UP !

by Rob Zwemmer

Monday, June 08, 2009

 

By Rob Zwemmer

 

 

www.desertonline.com

 

 

Good Monday Morning

89°F | 71°F

 

 

Home Sales are UP, UP and UP !

 

The summer months here in the Palm Springs area are normally the slowest months of the year for selling and buying Real Estate.

 

But, that’s not the case any more  !

 

Because of historic low mortgage rates, incredible tax credits and big discounts on homes we were able to close the month of May with record breaking numbers in Home Sales here in the desert. With inventory now on a 2 year low, properties that are priced well sell within days. 

 

New home sales is up !

 

Homebuilders across the desert  are seeing new home sales going up as  the three-year-long housing downturn is ending.“Total units in the Coachella Valley that have been sold to date stand at 256. Sun City is selling almost 23 homes a month on average for a total of 91 sold homes.”The report shows projected sales rates of the other home- builders through April at nine sales a month for Trilogy; six a month for Mountain View Country Club;  and nearly five a month for Toscana, where home sales prices average $1.2 million;

 

I am expecting that we will see a summer , that we have never seen before.  First time home buyer, second time home buyers and investors are coming out in force to snap up the remaining bargains here in the desert.

Don’t miss your opportunity this time!

 

 

 

"NEW"  Desert bank owned Homes

http://www.desertbankownedhomes.com/

 

 E-mail me with any questions you might have

 

Have An Awesome Week!

Rob Zwemmer

 


AND HERE'S YOUR MONDAY MORNING COFFEE!!

http://www.desertonline.com/Morning-coffee

 

GIVE IT AWAY! ................INSPIRATION FOR TODAY:

by Rob Zwemmer

INSPIRATION FOR TODAY:

"The greatest pleasure I have known is to do a good
action by stealth, and to have it found out by accident."
~ Charles Lamb (1775-1834)


GIVE IT AWAY!

Here's a "feel good" idea that pays big dividends to both giver and receiver: "Give something away every day!"

We all get caught up in our day-to-day routines and responsibilities. Between family and home, work and leisure, our daily schedules are usually packed with the things we do for ourselves. Managing to squeeze in a little time for others is often out of the question.

In the big picture, however, it is not what we do for ourselves but for others that really matters in life. We're not just talking about those who are "less fortunate" in this context. The world of "others" includes family members, associates, the elderly, those experiencing illness, those in our geographical, social, or church community, or the less fortunate.

So . . . what do you give away? Are we talking big money to charities or an endowment to the local university? Nope! What you give away is up to you. It might just be your time - something as simple as taking your grandchild for a walk, offering to take an aging neighbor grocery shopping, or donating a Saturday to Habitat for Humanity. On days when you lack ideas, just give away a smile, a compliment, or some encouragement.

Maybe you give away some of your material possessions. That might include a piece of furniture, an antique, a piece of family heirloom jewelry, or the like-new clothing in your closet that never fit right. Why not donate some of the kids' toys to a day-care center?

Whatever you decide to give away, do it quietly - and anonymously when possible. Make it a habit. It will bring you the special joy of knowing you've made a difference.

 

WHO WANTS TO BE A MILLIONAIRE?

by Rob Zwemmer

INSPIRATION FOR TODAY:

"A penny saved is a penny earned."
- Ben Franklin


WHO WANTS TO BE A MILLIONAIRE?

Waiting for your ship to come in? Think you need to win the lottery to become a millionaire? Waiting for your inheritance to come through? Dream on - but don't hold your breath. The truth is that "steady as she goes" is the watchword for accumulating real wealth. In baseball terms, the method would be to hit plenty of "singles" and "doubles" and forget about the "home runs."

Consider this method for becoming a millionaire: At age 25, begin setting aside just $100 each month. Invest the money at 12% - yes that is do-able! At age 65, you would have accumulated $1,176,477. In other words, if you never increased the $100 per month, regardless of all the raises and increases in income you experienced over your lifetime, you would have over $1,000,000 in your investment account.

Now let's say you received a very modest $1,000 per year increase in pay over your 40 year working life. By putting aside an additional $250 each year (just 25% of your yearly raise), an additional $191,772 would be added to your million-plus nest egg.

Better yet, here's the easiest method. Beginning at age 20, put $2,000 per year into an IRA for just three years. Never add another nickel to the account. At age 65, the account would be worth $1,153,180.

What if you're already 45 years old (the average age at which Americans begin saving)? You would need to put aside $1,100 each month for 20 years at 12% - giving you $1,187,106 at age 65.

Financial security requires patience, persistence, and self-discipline (sort of like real-life). Spend less than you earn, and put the rest to work for you. It's a simple formula that few ever attempt, yet it yields unfailing results!

 

More of this ?

 

Inventory is down and Sales are up !

by Rob Zwemmer

Monday, June 1st, 2009


By Rob Zwemmer

www.desertonline.com


Good Monday Morning
9°F | 70°F


Inventory is down and Sales are up !
Homes are selling fast, bidding wars and cash deals are the talk of the day. Out-of-state buyers are buying properties sight-unseen and Inventory here in the Palm Springs Area is down. While sales in Palm Desert still remain below 2008 figures, they have been rising month-by-month since July in other parts of the Palm Springs Area.

Seventy-six new homes sold in March, as the state's new home credit kicked in — nearly as many as what sold in the first two months of the year.For now, the message to buyers is: This market is recovering with or without you, said Greg Berkemer, executive director of the California Desert Association of Realtors.

Monday during early deals, the Canadian dollar strengthened to an 8-month high against the U.S. currency as crude oil prices rose nearly 2% to hit a fresh 7-month high as stock market optimism and hope of a global economic recovery propelled prices.

Palm Springs Area Mortgage Market update!

Canadian Dollar !
The Canadian dollar strengthened to an 8-month high against the U.S. currency as crude oil prices rose
nearly 2% to hit a fresh 7-month high as stock market optimism and hope of a global economic recovery propelled prices.

Don’t miss your opportunity this time !

1 Canadian dollar = 0.923617 U.S. dollars

Mortgage Rates Today +/- Last Week
30 yr fixed mtg Graph the three month trend 5.23% 5.00%
15 yr fixed mtg Graph the three month trend 4.89% 4.64%
30 yr fixed jumbo mtg Graph the three month trend 6.43% 6.33%
5/1 ARM Graph the three month trend 4.54% 4.59%

E-mail me with any questions you might have

Have An Awesome Week!
Rob Zwemmer


AND HERE'S YOUR MONDAY MORNING COFFEE!!
http://www.desertonline.com/Morning-coffee

Displaying blog entries 1-8 of 8

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