As you may have noticed, I have been blogging about a real estate book called SHIFT.  The author is Gary Keller.  Here are Gary's 12 tactics for tough times: Get real, get right Re-Margin your business Do more with less Find the motivated Get to the table that matters Catch people in your web Price ahead of the market Stand out from the competition Create Urgency Expand the options Master the market of the moment Bulletproof the transactions The book looks like this:    If you are interested in purchasing shift you may do so here: http://giftofshift.com/activerain Go check it out and come back and let me know what you think! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair co... 12/25/2009

Attending some functions today and tommorrow and need a joke at the ready? Let me help:   A little girl wrote to Santa Claus, saying the only thing she wanted for Christmas was a sister. Santa, touched by the girl's letter, responded instantly, saying "I would love to send you a sister, but first you must send me your mother."   A little girl is in line to see Santa. When it's her turn, she climbs up on Santa's lap. Santa asks, "What would you like Santa to bring you for Christmas?" The little girl replies, "I want a Barbie and G.I. Jo." Santa looks at the little girl for a moment and says, "I thought Barbie comes with Ken." "No," said the little girl. "She comes with G.I. Joe, she fakes it with Ken."   Bonus: What is the difference between Tiger Woods and Santa Claus?  Santa only has t... 12/24/2009

Ok most of us will be going to many celebrations today and tomorrow - so here's a little Christmas joke.  Feel free to share it at your events! Three men died on Christmas Eve and were met by Saint Peter at the pearly gates. "In honor of this holy season," Saint Peter said, "You must each possess something that symbolizes Christmas to get into heaven." The first man fumbled through his pockets and pulled out a lighter. He flicked it on. "It represents a candle," he said. "You may pass through the pearly gates," Saint Peter said. The second man reached into his pocket and pulled out a set of keys. He shook them and said, "They're bells." Saint Peter said, "You may pass through the pearly gates." The third man started searching desperately through his pockets and finally pulled out a pair... 12/24/2009

Looking for better Realtor Lead generation in 2010 --> Think SHIFT.  SHIFT is the new book out by Gary Keller.  It will help you focus on your lead generation (among other things) and help drive traffic to your Real Estate Door! The book looks like this:    If you are interested in purchasing shift you may do so here: http://giftofshift.com/activerain Go check it out and come back and let me know what you think! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 12/24/2009

GARY KELLER, founder of KELLER WILLIAMS is releasing a limited eition Hardcover copy of SHIFT.SHIFT explores 12 proven strategies for achieving success in any real estate market including: Master The Market Of The Moment: Short Sales, Foreclosures, & REOs Create Urgency: Overcoming Buyer Reluctance Re-margin Your Business: Expense Management Find the Motivated: Effective Lead Generation Expand The Options: Creative Financing   Act now to purchase this amazing offering;  4 books for the price of one, $19.99                       Use this link; http://giftofshift.com/activerain ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company  12/23/2009

The limited edition hardcover edition of "SHIFT" by Gary Keller can be pre-ordered . . . anyone interested in purchasing this book may do so by visiting http://giftofshift.com/activerain. About the author: Gary Keller is Chairman of the Board of Keller Williams Realty, Inc., an Austin-based real estate franchise. Some of his awards include: 2003 - 2nd most influential person in the real estate industry (REALTOR Magazine) 2004 - Finalist for Entreprenuer of the Year (Inc. Magazine) 2006 - Top 100 Most Influential Real Estate Leaders (Inman News) Other books authored by Gary Keller (and co-authored by Dave Jenks and Jay Papasan) include the national best-sellers: The Millionaire Real Estate Agent The Millionaire Real Estate Investor  ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 8... 12/22/2009

 Credit Repair in Alasaka National Credit Fixers: 330 Roberts Street Suite 402 East Hartford CT 06108 phone: 860-282-6181. National Credit Fixers boasts of 13 years experience repairing low FICO scores. Whether your credit has been damaged by a foreclosure, bankruptcy, slow credit, collections, judgments, repossessions, etc. we can help. We are the experts in credit restoration and credit repair. We have helped numerous residents of Alaska. We are experts in Alaska Credit Repair. Don't wait any longer to get that new car or house, call us today to speak with your own credit repair specialist and start on your way to better credit!! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit re... 12/22/2009

There is a new real estate book out.  It is called SHIFT.  It looks like this:    If you are interested in purchasing shift you may do so here: http://giftofshift.com/activerain Go check it out and come back and let me know what you think! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 12/21/2009

What did Adam say on the day before Christmas ?It's Christmas, Eve ! How do you make an idiot laugh on boxing day ?Tell him a joke on Christmas Eve ! What do you have in December that you don't have in any other month ?The letter "D" ! What does Father Christmas suffer from if he gets stuck in a chimney ?Santa Claustrophobia ! What do you call a letter sent up the chimney on Christmas Eve ?Black mail ! Who delivers cat's Christmas presents ?Santa Paws ! Why does Father Christmas go down the chimney ?Because it soots him ! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 12/20/2009

The similarities between Santa and System Admins.  You can read the following sentences with either Santa or System Admin!1. Santa is bearded, corpulent, and dresses funny.2. When you ask Santa for something, the odds of receiving what you wanted are infinitesimal.3. Santa seldom answers your mail. (or email - as the case may be)4. When you ask Santa where he gets all the stuff he's got, he says, "Elves make it for me."5. Santa doesn't care about your deadlines.6. Your parents ascribed supernatural powers to Santa, but did all the work themselves.7. Nobody knows who Santa has to answer to for his actions.8. Santa laughs entirely too much.9. Santa thinks nothing of breaking into your $ HOME (think computer code here) 10. Only a lunatic says bad things about Santa in his presence. ☺ MattT... 12/19/2009

Here is some good week ending humor - cheers. A blonde, a brunette and a redhead went into a bar and ordered their drinks from the bartender.Brunette: "I'll have a B and C."Bartender:"What is a B and C?".Brunette: "Bourbon and Coke."Redhead: "And, I'll have a G and T."Bartender: "What's a G and T?"Redhead: "Gin and tonic."Blonde: "I'll have a 15."Bartender: "What's a 15?"Blonde: "7 and 7" ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 12/18/2009

Have you heard about the new book called SHIFT ??? It seems all the Realtors are talking about it. You can purchase the book by going to http://giftofshift.com/activerain Go check it out and come back and let me know what you think! ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company 12/18/2009

One of my readers posted a comment a bit ago asking for a good Tiger Woods joke . . . well here it is:   It is near the Christmas break of the school year. The students haveturned in all their work and there is really nothing more to do. All thechildren are restless and the teacher decides to have an earlydismissal. Teacher: "Whoever answers the questions I ask, first and correctly canleave early today."Little Johnny says to himself "Good, I want to get outta here. I'm smartand will answer the question."Teacher: "Who said 'Four Score and Seven Years Ago'?"Before Johnny can open his mouth, Susie says, "Abraham Lincoln."Teacher: "That's right Susie, you can go home."Johnny is mad that Susie answered the question first. Teacher: "Who said 'I Have a Dream'?"Before Johnny can open his mouth,... 12/18/2009

First Premier has issued a new credit card with a  79.9% APR to conform to new Credit card legislation which is going into effect in Feb. 2010. First Premier's old credit card had a $250 credit limit and 1st year fees totaling $256.  This old card would be a violation of the new CARD Act (which has a 25% fee cap) so First Premier has restructured their card.  The new card has a $300 credit limit and $75 in first year fees (right at the 25% cap) and a 79.9% APR! Not sure where to send your clients to get the best credit cards for building credit?  Send them to me!  I stay on top of the credit card offers and weed out those that are bad deals (like First Premier). ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEa... 12/18/2009

  The Connecticut Housing Finance Authority (CHFA) is at 4.375% for a 30 Year Fixed for the forth consecutive week.  This is the lowest that I can remember the CHFA Interest Rate being at, and the fact that it is at that rate for a forth consecutive week is amazing. The rate gets even better if the Borrower is a Teacher, Military Veteran, Buyer purchasing in a Targeted Area, or a Police Officer in a participating town.  If a Borrower is in one of these special categories they will receive and additional .125% to .250% off the rate. The CHFA Program is for First Time Homebuyers, but existing Homeowners who are purchasing in a Targeted Area, also qualify for this program, and an additional .250% off of the rate.  That would make their Interest Rate 4.125% on a 30 Year Fixed Loan. The CHF... 12/17/2009

  Monarca Place In Middletown Connecticut Is A Special Building, and one of a few of its kind in the country.  Monarca Place is a 16-unit, three story complex made up of one and two bedroom units, for the elderly who are hearing impaired, and is the first of its kind in the state. The nearest housing for the hearing impaired is in Danvers, Mass. Monarca Place was financed with $1.8 million from the U.S. Department of Housing and Urban Development and $600,000 from the housing authority.  Monarca Place was designed with special lighting and equipment such as paging devices from the entryway to the rooms, vibrating alarm systems and computer teletype technology. Strobe lighting alert residents to smoke or fire. Even the color of the walls and windows were designed to eliminate glare and ... 12/16/2009

 Q: How do blonde braincells die?A: Alone.  Q: How do you change a blonde's mind?A: Blow in her ear. Q: How does a blonde kill a fish?A: She drowns it. Q: A blond going to London on a plane, how can you steal her window seat?A: Tell her the seats that are going to London are all in the middle row.Q: How do you amuse a blonde for hours?A: Write 'Please turn over' on both sides of a piece of paper ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 888-FAX-4020 (329-4020)Local: 860-282-6181330 Roberts Street 4th FloorEast Hartford, CT 06108 credit repair company  12/14/2009

A blonde and a brunette decide to start a farm together. They add up their life savings into a total of 200 dollars.The blonde and brunette decided to purchase a bull with their startup capital. The brunette leaves to go find the perfect bull. When she finds the bull she is to telegram the blonde and tell her to come get it.Finally, the brunette finds the bull of her dreams. The farmer says he wants $200 for it. The brunette, thinking she can get a better deal, says no to his offer.The farmer says, "Alright then, I'll give you a great deal, how about $199.00?"The brunette accepts and buys the bull. She has $1.00 left for the telegram. The telegram guy says, "It's $1.00 per word." The brunette thinks about this and says,"Comfortable".  Write that.""Comfortable?" the guy questions."Yes, y... 12/13/2009

During late spring one year, a blonde was trying out her new boat. She was unable to have her boat perform, travel through water, or do any maneuvers whatsoever no matter how hard she tried.After trying for over three days to make it work properly, she decided to seek help. She putted the boat over to the local marina in hopes that someone there could identify her problem.Workers determined that everything from the engine to the outdrive was working perfectly on the topside of the boat. So, a puzzled marina employee jumped into the water to check underneath the boat for problems. Because he was laughing so hard, he came up choking on water and gasping for air. Under the boat, still strapped in place securely, was the boat trailer. ☺ MattToll Free: 888-NCFIXER (623-4937)Toll Free Fax: 88... 12/13/2009

Today Fannie Mae released Automated Underwriting (DU) Version 8.0 and these changes are bound to have a big impact especially on multi-family houses.  Some of the changes included in this release are as follows: Minimum FICO score 620 (was 580) 2 Unit Owner Occupied Property - maximum LTV 80% for purchase & rate/term refinance (was 90%) 2 Unit Owner Occupied Property - maximum LTV 75% for cash out refinance (was 85%) 2 Unit Investment Property - maximum LTV 75% for purchase & rate/term refinance (was 80%) Unit Investment Property - maximum LTV 70% for cash out refinance (was 75%) In addition to the eligibility changes listed above, the updated version (DU 8.0) will limit the maximum allowable total expense ratio to 45 percent, with flexibilities offered up to 50 percent for certain loan... 12/12/2009