Jim Cleffi's (ajcleffi) Blog

25% OF ALL ADULTS HAVE A CREDIT SCORE OF 599 OR LOWER.................. 34% OF ALL ADULTS ARE CURRENTLY UNABLE TO QUALIFY FOR A MORTGAGE....................... WE ARE MISSING 1/3 OF THE POTENTIAL MARKET......................... LET'S WORK TOGETHER TO INCREASE THE NUMBER OF QUALIFIED BUYERS, STIMU...

I received this via email and thought it important enough to share. I am not the author...... NEW YORK (TheStreet) -- Democratic capitalism is in eclipse. From Berlin to Tokyo, governments struggle to instigate enough growth to pay their bills and gainfully employ workers, meanwhile, China enjoys...

Did you ever notice that excitment can be contageous? Did you ever notice that excitement trasnlates into energy? Did you ever notice that energy becomes a potitive motivator to get things done? The snowballing effect is amazing. I often wonder if someone can actually motivate another or if it is...

TROUBLE is still brewing in Greece.  Greek PM George Papandreou raised the possibility of taking legal action against US banks, which he said bear "great responsibility" for Greece's debt crisis.  The Greek parliament is currently looking into deals Greek authorities carried out in 2000 with help...

One of the most significant scams predicted for this year's Census involves "phishing" - the fraudulent effort to acquire sensitive personal information via e-mail by claiming to be trustworthy entity.  You should know that the Census Bureau does NOT conduct the 2010 Census via the Internet nor d...

A number of years ago, I began to notice a "slump" in production and energy among my Team during the cold, dark winter months. I tried running contests with prizes being all expense paid trips to a warm tropical Island and encouraging more vacations in hopes of regenerating my Team. The results v...

1. Do not sign the back of your credit cards. PRINT, 'PHOTO ID REQUIRED.' 2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the 'For' line. Instead, just put the last four numbers. The credit card company knows the rest of the number, an...

I would like to share evolving information and forthcoming changes in the mortgage industry. Many of the changes you have been expecting and knew had to happen to stop the skyrocketing trend of foreclosures. It will become more difficult to qualify buyers and borrowers in 2010. DU and LP - are NO...

It is certainly a difficult time to be in this industry. Numerous economic, government and lender changes have caused a whole new dynamic that requires adaptability and a completely new way of meeting the new demands and standards before us. It is a very trying time. Many of our peers and contemp...

In my earlier years, I thought I was above it all. I was too strong and too disciplined to give in. It was easy to, "JUST SAY NO". Now I find myself craving it.........the internet and all of the wondrous keys to the universe of knowledge and networking that it offers. I am hooked on email, socia...