Rhode Island

Social security surplus? GONE! First time in its history!

02-08-10

Ann Sabbagh, Sr. Loan Officer: Loan Officer in Pawtucket, RI

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Office: (401) 475-1600 x306

Mobile: (508) 243-1190
Secondary: (508) 695-1986

Oh NO! Social Security surplus is GONE! First year this has happened. It is being attributed to the recession. With so many layoffs, employees have taken early retirement by accepting a "golden hand shake" or by having no choice.

This crisis was coming but it was rushed by the recession. So, the question is "now what"? A social security bail-out is inevitable. And they may raise the retirement age again. If medical technology can keep us alive an extra 10 years, we should be able to work an extra ten, right?

Where does all this bail-out end?

Ann Sabbagh

Vice-President

Seacoast Mortgage Corporation

401-305-6906 or 508-243-1190

Residential & Commercial Financing

MLO10920

"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."

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Weekly Update

02-07-10

Michael Dutra

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Office: (401) 438-0202 x0162

Mobile: (401) 486-6894
Secondary: (401) 228-0162

Keeping you updated on the market!
For the week of

February 8, 2010

MARKET RECAP

To belabor the obvious, all real estate is local, so parsing the national data can be of limited use. That said, homebuyers nationally returned in greater numbers at the end of last year, according to the NAR and its Pending Home Sales Index, which increased one point to 96.6 in December from 95.6 in November.

That number alone means little. What matters are trends in individual markets. On that front, some encouraging, meaningful data can be gleaned. Home sales in hard-hit Phoenix hit the highest level in four years in December, with total home sales increasing a 12 th consecutive month, according to data from MDA DataQuick.

Meanwhile, in even harder-hit Las Vegas , the December home sales volume was at its highest level in five years, though the action is still dominated by foreclosure resales. Of the 5,317 new and resale houses sold in December, 63.3% were foreclosure resales, but that's still an improvement from 64.2% in November.

Does this mean that the national foreclosure numbers will become less alarming? They may, or they may not: Home-loan delinquency reached 10% in December, according to Lender Processing Services. Accounting for foreclosures in the pipeline, the total non-current rate stands at 13.3%. When extrapolated for the entire mortgage industry, 7.2 million mortgage loans are behind on their payments.

The good news is that 2009 vintage loans are performing much better than any of the prior five years, which means we are likely experiencing a pig-through-a-python environment. As the older vintage loans work their way through the system, foreclosure rates should improve.

But nothing – tax credits, low rates, low home prices – will turn fortunes quicker than employment. Fortunately, the latest numbers are improving. The unemployment rate dropped to 9.7% in January, even though employers cut 20,000 jobs. This apparent paradox leads to the common question: how could there be fewer payroll jobs if the unemployment rate declined?

Lower participation in the employment market is the rote answer, but it's a little more complicated than that. Unemployment data are compiled from two separate surveys. The unemployment rate comes from the Current Population Survey, a monthly survey of about 60,000 households, while the jobs number comes from Current Employment Statistics, a sample of approximately 400,000 businesses nationwide.

The good news is that the aggregated data are generally positive: the unemployment rate declined, average hours worked grew, the percentage of part-time workers fell, and the employment-population ratio rose.

Economic Indicator	Release Date and Time	Consensus Estimate	Analysis
Wholesale Trade (December)	Tues, Feb. 9, 10:00 am, et	1.0% (Increase)	Moderately Important. Growing sales and inventories portend continued economic growth.
Mortgage Applications	Wed, Feb. 10, 7:00 am, et	None	Important. Refinances continue to set the pace, but purchase activity is improving.
International Trade (December)	Wed, Feb. 10, 8:30 am, et	$36.5 Billion (Deficit)	Moderately Important. A strengthening dollar is stabilizing the deficit.
Retail Sales (January)	Thurs, Feb. 11, 8:30 am, et	0.5% (Increase)	Important. Sales remain volatile, though the recent trend is mostly up.
Consumer Sentiment (February)	Fri, Feb. 12, 10:00 am, et	74 Index	Moderately Important. Employment gains should be reflected in improved consumer sentiment.

Why Don't We All Just Walk Away?

When economists aren't predicting the future, they spend a good deal of time studying behavior. For instance, they've been studying why individual borrowers don't walk away as frequently from their homes as corporate borrowers walk away from their properties. They point to Tishman Speyer Properties and BlackRock Realty, which recently turned in the keys and defaulted on $4.4 billion in loans on their hopelessly underwater Stuyvesant Town and Peter Cooper Village residential properties in New York City .

The economists believe more of us should be acting as rationally financially as Tishman Spreyer and BlackRock, and when we do, the foreclosure numbers will spike.

There are at least three faults in extrapolating business behavior to individual behavior. First, individuals aren't profit-maximizing firms. We, as individuals, value many things as much as money – happiness, health, continuity, and community comes readily to mind. Second, individuals suffer from the endowment effect: We tend to value things we own more than they would be valued in an arms-length business transaction. We get emotionally attached, in other words, and there are few things we are more emotionally attached to than our home. Third, individuals can't hide behind the anonymity of a corporate aegis. Reputation and fulfilling obligations are ingrained characteristics, which is why we are loath to just up and walk away.

We say all that to say this: Individual motives differ from business motives. That's why we are confident in saying that as long as we continue to see improvement in employment – the final determiner in fulfilling obligations – we will continue to see improvement in not only foreclosures but home prices and sales volume as well. It's simply in our nature.

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Rhode Island Law Articles by RI Attorney David Slepkow

02-05-10

David Slepkow

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Office: (401) 437-1100

Rhode Island Divorce Attorney Authored Article: Debt, Credit Cards and RI Divorce Rhode Island has no specific statute related directly to assigning Marital Debt in a Rhode Island Divorce. Theoretically, issues concerning Marital Debt are determined under the RI Equitable Division Statute RIGL 15-5-16.1 Assignment of property.... ( added 19 days ago.)

Rhode Island Child Custody lawyer Article: The Best Interest of the Child Factors The Supreme Court of Rhode Island has been consistent about delineating the factors that The Rhode Island Family Court must analyze in determining Rhode Island Child Custody Cases. Child Custody battles in Rhode Island usually occur in the context... ( added 41 days 5 hours ago.)

Fundamentals of Rhode Island Alimony by a RI Divorce Attorney Alimony is payments that one spouse may be ordered to pay another spouse for support as a result of a divorce. In Rhode Island Divorce, some spouses qualify for alimony from the other spouse. Alimony is also known as Spousal Support or Spousal... ( added 48 days 2 hours ago.)

Rhode Island Car Accident Lawyer Article: Ten Steps if you are injured in a RI Auto Accident If you are involved in a Rhode Island Car Accident, there are many important steps you can take to protect your rights and help you get the best Personal Injury settlement Possible. You should contact a Rhode Island Perosonal Injury... ( added 50 days 20 hours ago.)

Who is entitled to the IRS Child Dependency Exemption: Rhode Island Divorce Lawyer Article Pursuant to Rhode Island Law, who is entitled to claim the minor child or children as Dependency Exemptions for Federal Tax Purposes? If there is no indication in a Divorce Final Judgment or Decision Pending Final Judgment or Property... ( added 55 days 2 hours ago.)

Criminal Misdemeanor Prosecutions from Soup to Nuts by a Rhode Island Criminal Defense Lawyer What is a Rhode Island Criminal Misdemeanor? A misdemeanor is any offense punishable by up to one year in Jail. Typical misdemeanors are: driving under the influence of alcohol / drunk driving (dui / dwi), shoplifting, domestic assault, Second... ( added 86 days 20 hours ago.)

Is a Nolo Contendere Plea an Admission of Guiltin Rhode Island? Is it a Conviction? Nolo contendere means a person is not contesting the charges. When a defendant takes a nolo plea in Rhode island, the defendant is indicting that he does not want to contest the charges but is also essentially admitting to the charges. What is... ( added 111 days 1 hour ago.)

Navigating Criminal Misdemeanor Prosecutions in RI by a Rhode Island Criminal Defense Attorney What is a misdemeanor in Rhode Island? A misdemeanor is any offense punishable by up to one year in Jail. Typical misdemeanors are: driving under the influence of alcohol / drunk driving (dui / dwi), shoplifting, domestic assault, Second (2nd)... ( added 111 days 6 hours ago.)

Rhode Island Child Support Information by a Rhode Island Child Suppport Lawyer This article, written by a Rhode Island family law lawyer explains in detail the following Rhode Island Child support Issues: Establishing, modifying, terminating, enforcing, contempt, college, daycare, overtime as well as an explanation of the RI... ( added 119 days 21 hours ago.)

Rhode Island Child Custody Law - Guardian Ad Litem For the Minor Child in Family Court In Rhode Island (RI), A guardian ad litem is an individual appointed by a Family Court Judge. The Guardian represents the hypothetical best interest of the minor child in a child custody, visitation or other type of Family Court case. The Guardian... ( added 120 days 21 hours ago.)

Rhode Island Divorce From Soup to Nuts by a RI Divorce Lawyer This article written by a Rhode Island divorce lawyer explains the Rhode Island (RI) divorce process from pre- filing considerations through trial including Rhode Island divorce law strategy. Finding a Rhode Island Divorce Attorney / Lawyer ... ( added 146 days 6 hours ago.)

Divorce Law in Rhode Island (RI)- What Happens to the Marital Domicile by a RI Lawyer If husband and wife own real estate in Rhode Island and are getting divorced and have no minor children then there are many possible dispositions concerning the marital domicile. The parties agree to sell the property There may be... ( added 146 days 6 hours ago.)

Who Gets The Microwave in The Divorce? A Guide to Division of Property in RI Divorce 1. What assets are marital property under Rhode Island law (RI) subject to being divided by the court in a divorce? In Rhode Island, all assets acquired by the parties (with limited exceptions as set forth below) during the course of the... ( added 152 days 7 hours ago.)

Rhode Island Child Support Law FAQS - Daycare, Overtime, Modification, College, Termination 1) What if my child's parent works overtime? Will overtime be included in child support? There is no standard law or rule in Rhode Island regarding whether or not the non-possessory parent's overtime will be used to calculate child support.... ( added 152 days 7 hours ago.)

Rhode Island Probation: A period of Extreme Risk! If a person receives probation then they will need to abide by the conditions of the probation and agree to keep the peace and be of good behavior. A probationary period is a period of extreme risk! If a person violates his probation by being... ( added 152 days 7 hours ago.)

RI Criminal Law - 1 Year Filings For First Offenders - Stay Out of Trouble- Can Be Expunged! What is a one year filing in Rhode Island and what are the implications of accepting a filing? A one year filing is usually only offered by the prosecutor as a penalty for first time offenders. A filing is a penalty that is typically offered... ( added 152 days 7 hours ago.)

Rhode Island RI Personal Injury Law FAQS - Automobile - Car Accident - Damages - Pain & Suffering 1) If I am injured in an automobile accident, what do I do? Make sure you stop at the scene of the car accident and notify the police department immediately about the accident. If possible, please get all of the information about the other... ( added 152 days 8 hours ago.)

Rhode Island DUI - DWI Law - Should I Refuse The Breathalyzer? 1) Should I refuse a Breathalyzer test in Rhode Island? The answer is - "it depends". There is no good definitive answer to this question in Rhode Island. The only proper answer is it depends on the circumstances. If you refuse the... ( added 152 days 8 hours ago.)

Rhode Island Landlord Tenant and Eviction Law FAQS - Nonpayment Rent, Termination 1) How long does it take to evict a tenant for non-payment of rent in Rhode Island? In order to begin the process of evicting a residential tenant in Rhode Island (RI) for non-payment of rent, the tenant must be more than 15 days late and... ( added 152 days 8 hours ago.)

Rhode Island Divorce - "Post Divorce Do's And Dont's" -Family Law & Child Support by a RI Lawyer (For your convenience, I have prepared this list of "Post Divorce Do's and Don'ts" which are applicable to Rhode Island divorces. Some may be applicable to your case and many will not be applicable. Please take a few minutes to read this. If... ( added 152 days 8 hours ago.)

Rhode Island RI Common Law Marriage - Fact Or Fiction? Fiction- If I live together with my boyfriend for over seven years then we are automatically common law married. This is a huge urban myth that is completely and totally false! In fact, a couple could live together for 35 years in Rhode... ( added 152 days 8 hours ago.)

Rhode Island Divorce Law FAQS How Long Until It's Over? Residency Requirements & No Fault Divorce 1) How long does it take to get a Rhode Island divorce? If all issues concerning divorce, child support, child custody, equitable division of assets, alimony, visitation and other issues are resolved between the parties, the earliest possible... ( added 152 days 8 hours ago.)

Criminal Misdemeanor Law in Rhode Island (RI) - Plea Agreements - Sentencing & What is a Conviction? A misdemeanor is any offense punishable by up to one year in Jail. Typical misdemeanors are: driving under the influence of alcohol / drunk driving (dui / dwi), shoplifting, domestic assault, Second (2nd) offense refusal to take the breathalyzer... ( added 154 days 21 hours ago.)

Rhode Island Personal Injury Law FAQS and Automobile - Car Accidents - by a RI Lawyer - Attorney Question: Should I negotiate with the insurance adjuster myself without the help of an attorney in order to settle a Rhode Island personal injury, slip and fall or automobile / auto / car accident case? Answers: No. Representing yourself and... ( added 154 days 21 hours ago.)

Rhode Island Divorce Process and Strategy From Filing Divorce to Trial - by a RI Family Law Lawyer This is part two of a three part series on the Rhode Island divorce process including divorce strategy. In part one, I discussed the initial stages of a divorce from finding a Rhode Island Attorney to filing for divorce. Please see below for a... ( added 154 days 21 hours ago.)

Guide to Calculating Child Support in Rhode Island (RI): Is There A Minimum Amount? How is Rhode Island (RI) Child Support determined in divorce cases, paternity cases, child support cases and child visitation cases? In most cases, child support is determined by the "Rhode Island Family Court Child Support Formula and... ( added 155 days 2 hours ago.)

Private School Education & College Education - Rhode Island RI Child Support FAQS In Rhode Island (RI) Divorce and Child support cases, Can I get the father or mother of my child to be ordered to pay for private school education? No, unless there is a contractual obligation, a stipulated consent order or there is an ongoing... ( added 155 days 2 hours ago.)

Forced Sale Of Real Estate In RI With Family Member, Business Partner, Significant Others-Partition A partition case in Rhode Island (RI) is an equitable, legal action in which a person corporation or legal entity can force the sale of real estate against another co-owner or life tenant. Partition cases can be a result of many different types of... ( added 155 days 2 hours ago.)

Motions to Modify Child Support in Rhode Island-Modification of Child Support by a RI Family Lawyer How is Child support modified in Rhode Island divorce and family law cases? Child support in Rhode Island is not automatically modified when there is a change in circumstances. The parent must file a motion to modify child support. When a... ( added 155 days 2 hours ago.)

Personal Injury - Car - Auto Accidents - Slip & Fall Rhode Island FAQS by a RI Lawyer Question: When I meet my personal injury lawyer for the first time, are there any particular documents I should bring with me? Answer: You should supply your attorney with as much information as possible. If your attorney has more information... ( added 156 days 22 hours ago.)

Child Support Does Not Automatically Terminate In Rhode Island When A Child Turns 18! How do I terminate my child support obligation and stop wage garnishment in Rhode Island? In Rhode Island (RI) child support does not automatically terminate when a child reaches 18 years old! Termination of a child support order is not... ( added 156 days 22 hours ago.)

Rhode Island Divorce From Soup To Nuts by a RI Divorce Attorney This article explains the Rhode Island divorce process from pre- filing considerations through trial including Rhode Island divorce law strategy. Finding a Rhode Island Divorce attorney/ lawyer The first step in obtaining a divorce from... ( added 157 days 2 hours ago.)

Deferred Sale of Marital Home for the Best Intest of the Child - Rhode Island Divorce Law Can the Rhode Island Family Court defer a sale of the marital home for the child/children in a divorce case? If one of the parties requests a deferred sale of the home in a Rhode Island( RI) divorce, then the court must determine whether or... ( added 157 days 2 hours ago.)

Child Support In Rhode Island -Soup To Nuts! Establishing, Modifying, Enforcing, contempt, terminating This article, written by a Rhode Island family law lawyer explains in detail the following Rhode Island Child support Issues: Establishing, modifying, terminating, enforcing, contempt, college, daycare, overtime as well as an explanation of... ( added 158 days 2 hours ago.)

Rhode Island Divorce- Residency Requirements by a Rhode Island Divorce Attorney-Lawyer What are the residency requirements to obtain a Rhode Island divorce? In order to file for divorce you need to have been a domiciled inhabitant and resident of Rhode Island for one year prior to your filing of the complaint for divorce. If you... ( added 158 days 2 hours ago.)

Where do I Obtain a Restraining Order in Rhode Island? Family, District or Superior Court? Rhode Island Family Court Jurisdiction: If the restraining order is against your husband or wife or ex husband or ex-wife or against a family member by blood or marriage then it should be filed in Rhode Island Family Court. If there is a... ( added 158 days 2 hours ago.)

If I Need A New Rhode Island Personal Injury Attorney, How Will My Old Lawyer Be Paid? If I am unhappy with the Rhode Island personal injury lawyer who is handling my case, do I have the right to obtain a new attorney? In Rhode Island (RI), if you are dissatisfied with your attorney's legal representation, you have the right to... ( added 158 days 3 hours ago.)

"No Fault Divorce" in RI is a Misnomer! Fault May be Important! Cheating - Abuse - Drugs & Divorce Rhode Island is a "no fault state". Does that mean the assets are always divided 50% to the wife and 50% to the husband in a divorce? No. A no fault divorce in Rhode Island simply means that a fault grounds are not necessary in order to... ( added 159 days 3 hours ago.)

Uncontested Divorce in Rhode Island (RI) by Family Law Attorney This article explores the different types of uncontested divorce in Rhode Island and explains the process of obtaining an uncontested divorce. Uncontested divorces should be much less expensive then contested cases. Article by Attorney David... ( added 159 days 3 hours ago.)

Child Support Contempt in Rhode Island (RI) by a Family and Divorce Law Attorney Child support contempt in Rhode Island (RI) If a person violates a Rhode Island Family Court order by not paying child support, the parent with physical custody may file a motion to hold that person in contempt for failure to pay child... ( added 159 days 3 hours ago.)

The Intersection of Family Law and Criminal Law in Rhode Island - Untangling the Web! The intersection between family law, criminal law and divorce in RI Overview A Rhode Island criminal domestic misdemeanor or felony case is often intertwined with complex issues concerning family law, child custody, child support... ( added 159 days 3 hours ago.)

Top 8 Arguments That Don't Work in Family Court! The Judges Have Heard it a Million Times Before! Top 9 arguments that typically do not work in Family Court in Rhode Island (RI). I also seriously doubt that they work anywhere else! Article by a Rhode Island divorce and family law lawyer. This article applies to all family law cases including... ( added 159 days 3 hours ago.)

Inexpensive Flat Fee Uncontested Divorce Using a RI Family Law Lawyer - No Entanglements, No Problem A simple uncontested divorce is a divorce that a Rhode Island divorce lawyer can typically complete for a relatively inexpensive flat fee. In a RI uncontested divorce, the attorney and the parties must still attend court for a brief hearing. ... ( added 159 days 4 hours ago.)

Personal Injury - Premises Liability - Slip & Fall Accidents In Rhode Island by A RI Lawyer-Attorney Question: What is "premises liability" under Rhode Island (RI) law? Answer: In Rhode Island, Premises liability pertains to the area of law, which attempts to hold a real estate owner or the person in possession of the real estate liable as a... ( added 159 days 5 hours ago.)

How Do I Get My Personal Property When There Is A No Contact Order Or Restraining Order? How does a person obtain his or her personal belongings in Rhode Island (RI) when there is a criminal no contact order / Family Court restraining order or District Court Restraining Order? A person arrested for a criminal domestic violence... ( added 159 days 5 hours ago.)

Enforceability of Prenuptial Agreements in Rhode Island! Prenuptial agreements are extremely enforceable in Rhode Island (RI). A Prenuptial agreement is also commonly called a Premarital Agreement or an Antenuptial agreement. A Prenuptial agreement should be drafted by a Rhode Island Family Law and... ( added 159 days 16 hours ago.)

Rhode Island Prenuptial Agreements-Key Provisions in well drafted premarital agreements! Under what circumstances should a prenuptial agreement be considered in Rhode Island? Premarital agreements are not right for every couple! Prenuptial agreements are most prevalent in second marriages. They are especially prevalent in first... ( added 160 days 6 hours ago.)

Expunge Dismissed Criminal Records in RHODE ISLAND - All Criminal Records Are Bad! Expunge all criminal dismissals and Not Guilty findings in Rhode Island Criminal law! All dismissals and not Guilty findings in Rhode Island should be expunged! This includes both felony and Criminal Misdemeanor dismissals in RI. All criminal... ( added 160 days 6 hours ago.)

Divorce and Real Estate Law - Living Together During the Divorce - A Nightmare Or a Necessity? Issues concerning the marital domicile and real estate are often the biggest issues that divorcing couples must resolve.The issues of real estate and divorce are often intertwined with complex issues concerning child custody, child support... ( added 160 days 6 hours ago.)

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Fundamentals of Child Custody in Rhode Island

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Criminal Misdemeanors in Rhode Island: Plea Agreements, Sentencing and Convictions

Is a nolo contendere plea a criminal conviction in Rhode Island (RI)?

Rhode Island No Contact Orders explained

Rhode Island Probation: a Period Of Extreme Risk!

Rhode Island Criminal One Year Filings Explained by a RI Criminal Law Lawyer

The Intersection of Criminal Law and Family Law in Rhode Island (RI)

Rhode Island Divorce: From Soup to nuts by RI Family Law lawyer, David Slepkow

Uncontested No Fault Divorce in Rhode Island by a RI Family Law Lawyer

"No Fault" is a misnomer: cheating, drugs, abuse, alcoholism and bad behavior in RI divorce

Rhode Island Divorce Residency Requirements

RI divorce: Deferred Sale of the Marital Domicile for the best interest of the children

Rhode Island Divorce FAQS- answered by a Rhode Island Divorce Lawyer.

Rhode Island Divorce: Equitable does not always mean equal! What constitutes marital Property? Division of Property and debt

Rhode Island DUI/ DWI/ Breathalyzer Refusal- Should I refuse the breathalyzer test?

Rhode Island Elder Law FAQS for Senior Citizens

Wills Trusts, Probate and Estate Planning in Rhode Island (RI) by a RI Lawyer

Landlord Tenant Law - Evictions and nonpayment of rent in Rhode Island (RI)

Erase and Expunge Dismissed Criminal Records in Rhode Island (RI)!

Erase and expunge a criminal conviction in RI: Probation-Suspended Sentence-Jail

Untangling the web. The intersection of Family Law-Criminal Law and Restraining ordersby a Rhode Island(RI)

8 arguments that usually dont work in Rhode Island Family Court!

Rhode Island Family Law: Relocation of children out of state of Rhode Island

Common Law Marriage in Rhode Island - Truth or Fiction by a Rhode Island Divorce lawyer

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The Basics of Rhode Island Litigation (RI)

Rhode Island Personal Injury and Car Accident Law: Obtaining a New Lawyer / Attorney

Rhode Island Personal Injury FAQS answered by a RI car / auto accident lawyer

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Rhode Island post divorce do's and dont's by an experienced RI family law lawyer

Partitions in Rhode Island- Forced Court Ordered sale of RI Real Estate in Superior Court

Rhode Island Residential Closings and Title Law FAQS by a RI Real Estate Attorney

Rhode Island (RI) Law:What is Title Insurance and should I get title insurance?

Rhode Island Residential Real Estate Purchase and Sales Agreements

Where do I obtain a Rhode Island restraining order- Family, District or Superior Court?

How to prove a slip and fall premises liability personal injury case in Rhode Island (RI)

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Wordless Wednesday May 20, 2000

02-03-10

Kathleen Ann Pacheco-Corbett Realtor® RI-Ma CEBA Master e-Pro ABR ABRM GRI CRS

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Office: (401) 725-5608

Mobile: (401) 556-6911
Secondary: (401) 617-6278

05-20-2000

An extremely scorching hot day on May 20, 2000 at the wedding of my first born son, John Michael Corbett taken at the Clemson University Gardens in Clemson, South Carolina. He married a southern girl from Anderson, SC, Victoria Hann.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~``

Copyright photo by Kathleen Ann Pacheco-Corbett, all rights reserved and may not be reproduced without the written permission of Kathleen Ann Pacheco-Corbett, The Buyer's Choice, Lincoln, RI. Permission granted with a link back to my website and/or blog providing site is appropriate for all ages.

Thank you. We want to be your "Personal Realtors for Life"

http://www.thebuyerschoice.com

KATHLEEN ANN PACHECO-CORBETT

Office 401-725-5608 Cell 401-556-6911 Fax 401-423-4377

******************

POSTINGS FOR January 2010

01/31/2010 365 days plus one

01/29/2010 Friday Foto What am I? where am I?

01/26/2010 Couples "Uncoupling" and Owning Real Estate--"Breaking Up is Hard to Do"

01/23/2010 Learn The Other Side of The Business - The PEOPLE!

01/22/2010 LIFE 1956 - State Masonic Grand Masters

01/17/2010 Winter Wonderland

01/17/2010 Announcing the ActiveRain Silver and Bronze medalists!

01/09/2010 Top ActiveRain Bloggers in Their Field 2009

01/07/2010 Cleaning for a Reason

01/01/2010 Connecticut takes the top 2 ActiveRain member spots for 2009

01/01/2010 All Your New Year's Resolutions Rolled Into One Number

POSTINGS FOR December 2009

12/31/2009 Wishing everyone a HAPPY NEW YEAR 2010 from the ocean state of RHODE ISLAND

12/27/09 FOR SALE BY SELLER No way, Jose! Absolutely not-NEVER

12/25/2009 The Reason for the Season

POSTINGS FOR November 2009

11/29/009 SPEECHLESS SUNDAY - LATE NOVEMBER Sunset

11/25/2009 Let us remember the First Thanksgiving in our Thanks

11/16/2009 How to Be Happy

11/08/2009 Twitter Top 100 - This is The Best Twitter List Ever!!!

11/02/2009 Exten sion and Modification of First-Time Homebuyer Tax Credit

11/02/2009 AWESOME MUSICAL EXPERIENCE

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Mortgage Originator Job Opportunity for Warwick, RI office

02-02-10

Sean Wheelan

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Office: (401) 490-2700

Mobile: (401) 965-9384

Join a wining team!

Don't just survive, thrive with The Mortgage Group

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Who are we? The Mortgage Group Ltd. was created with the mission to offer individuals with entrepreneurial spirit the ability to realize their own vision within our corporate structure.

The mortgage business is not an easy one. Issues such as compliance, banking regulations, payroll, audits, accounting, bonding, IRS requirements, quality control, licensing, broker relations, government lending, etc., are enough to challenge the best of staffs.

We take all those pesky, non-revenue-generating tasks off your desk, so you can focus all your talents on originating and closing loans. If you have the spirit and want to take your career to the next level, take a close look at The Mortgage Group. You’ll see we are a dynamic team, committed to your success. And when you’re ready to talk, give us a call or send us an email.

History—The Mortgage Group Ltd. was founded in 2004.

Technology—Loan officers at The Mortgage Group benefit from the latest state-of-the-art technology.
Lenders—Current list of lenders, adding more as new programs/solutions become available.

Licensing—The Mortgage Group Ltd, is currently licensed in Massachusetts, Connecticut, Rhode Island, Maine, Vermont, New Hampshire, and Florida. New York license is pending.

Are you the right fit for The Mortgage Group? Our goal is to provide proven mortgage professionals with all of the tools and support necessary to run their business in the most efficient and profitable manner. We fit our support structure around your business, rather than requiring you to conform to us.

Whether you’re an LO looking for more flexibility than you now have, or a broker/owner feeling weighed down by the increasing costs of running your business, you may just discover that The Mortgage Group, Ltd. holds the key to improving your business outlook.

We are centrally located in Warwick, RI. Our corporate location is in Fall River, MA, we have in NH and VT as well.

Contact Us-- Here's how to reach us.

Inc. 500/5000 2009 Award-- We were honored by Inc. Magazine for our impressive growth over the past three years.

Sean Wheelan
Division Manager
The Mortgage Group, Ltd
401-965-9384 Cell
SWheelan@TMGLtd.biz Email
508-276-0171 Fax

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