Frisco, TX

It's heavy on my heart to include the topic of Forgiveness this Christmas season. It's important to remember to move on by forgiving others, but more importantly, forgive yourself for all the shortcomings you may have and all the mistakes you have made. I believe that people don't excel or go out to be the best in part because of not being able to forgive oneself.

The biggest thing you need to tell yourself is that every day as you get up, you are a brand new person. You can a choice to make right decisions for yourself or wrong ones. This life is a free will. But you did yesterday doesn’t matter because it’s in the past. You can only control what you do today. Not even tomorrow.

You could take baby steps for improvement – if that’s what you think you ought to do.

This is an excerpt of a book I recently read from Marianne Williamson's book, A Return to Love. It has dramatically helped me on Forgiving others and myself.

Forgiveness is the choice to see a person where they are NOW. When you are angry or upset, you see the person in the past. Relationships are reborn as we let go of the past. By bringing the past into your present, it's like creating a future of the past. By letting go of the past, you make room for today.

An attack on a person is a reminder of the past. In choosing to affirm the person's past, you are choosing to experience more of it. To let the past go is to remember that the present is new. This is an act of gracious generosity to accept the person as they are today regardless of the past.

This may be a little too long winded. But I just thought it's a good one to share with you. You should first forgive yourself and know that you have a brand new day waiting for you TODAY. Not yesterday and not tomorrow.

With that, let the past be in the past no matter where we came from. Don't let your limiting beliefs about yourself tell you how much you are worth today. Don't let your past decide how you can make a difference today.

Scripture of the Week:

Ephesians 4:26 "Don't sin by letting anger control you." Don't let the sun go down while you are still angry.

Why is this scripture relevant to the topic of Forgiveness?

Don't ever let a day come to an end without reconciling for peace - especially peace with your inner self. Be sure to forgive yourself just like you would forgive others. Most often, we find that we are the worst critics of ourselves.

I'll be thinking alot about forgiveness this Christmas season and I hope you would do the same. Remember, everyday is a GIFT from God. You can choose to see today as a brand new day or choose to live in the past.

I begin my week here on Active Rain with my God First posts, written every Sunday once a week. My promise to you is that the messages I share will be day-to-day related, often times related to real estate. If these topics are important to you also, I'd love for you to subscribe to my blog.

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All contents are original. Consider subscribing to my blog for more real estate commentaries.

Subscribe via Email if you are not an Active Rain member here.

Contact:

Loreena Yeo
Realtor®/ Broker of 3:16 team REALTY
(214) 783-2210
loreena@loreenayeo.com

Super-serving Frisco, Plano, Dallas, McKinney, Allen, Little Elm, Prosper, Celina, Richardson, Dallas M-Streets, Dallas White Rock Lake area communities and other surrounding areas.

Copyright © 2009 by Loreena Yeo (3:16 team REALTY).
Christmas Season and Forgiveness

Enjoy an evening with family and friends at Frisco Square with Merry Main Street and Christmas in the Square.

Frisco TX puts out Merry Main Street on the 1st Saturday in December every year. This year is no different. All are welcome to join the festivities, free holiday food, children's choir and even a horse carriage.

It's a fun day celebrated by all ages.

19th Annual Merry Main Street
5 - 9pm
Frisco Square City Hall
(6101 Frisco Square Blvd., Frisco TX 75034)

Programs for the evening include:

• Santa’s arrival (approximately 5:00 p.m.)
  
• Lighting of the City of Frisco Christmas tree (approximately 6:00 p.m.)
  
• Kid’s Holiday Store * Frisco Express Train Rides
  
• American Railroad Museum model train display
• Live reindeer
  
• Santa’s Workshop
  
• Holiday treats offered by local communitie/ charities
• Snowflake light show
  
• Horse-drawn carriage rides
  
• Entertainment on three stages provided by Frisco Elementary Schools and other Frisco talent

Plan to have dinner in one of the fine restaurants Frisco Square has to offer:

Josephine's Italian Bistro
8898 Coleman Blvd Frisco, Texas 75034
Tel: 972-731-8300

Best Thai
8897 Coleman Blvd Frisco, Texas 75034
Tel: 972-377-0170

Firehouse Subs
6025 Main St Frisco, Texas 75034
Tel: 214-387-4353

Babe's Chicken Dinner House
6475 Page St Frisco, Texas 75034
Tel: 214-387-9500

Tijuana Bar & Grill
9320 Dallas Pky Frisco, Texas 75034 
Tel: 214-618-5701

Sake Toro Sushi
8801 Coleman, Frisco TX 75034
Tel: 214-872-2831

Matitos Tex-Mex
6129 Main Street, Frisco TX 75034
Tel: 214-472-2712

After a good dinner, stay back to enjoy the Christmas Holiday lighting. It's the largest choreographed holiday lights and music display in Texas designed by our very own Frisco resident, Jeff Trykoski. Lights, music and snow with over 100,000 lights, 9.1 miles of wiring and 5.5 miles of extension cords. It is quite a scene if you have never experienced it. It's still quite spectacular if you do it several times a year. The lighting stays through January 3rd 2010.

These photos were taken from Merry Main Street 2008:
(You know where I'll be this evening)

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All contents are original. Consider subscribing to my blog for more real estate commentaries.

Subscribe via Email if you are not an Active Rain member here.

Contact:

Loreena Yeo
Realtor®/ Broker of 3:16 team REALTY
(214) 783-2210
loreena@loreenayeo.com

Check out my Frisco TX Homes website.
One-stop shop for your greater Frisco TX home needs.

Super-serving Frisco, Plano, Dallas, McKinney, Allen, Little Elm, Prosper, Celina, Richardson, Dallas M-Streets, Dallas White Rock Lake area communities and other surrounding areas.

Copyright © 2009 by Loreena Yeo (3:16 team REALTY)
Frisco TX celebrates Merry Main Street Saturday December 5 2009

Are you ready for the changes that the Federal Government have for us in the mortgage industry under RESPA reform effective January 1, 2010? The new version of the Good Faith Estimate or GFE as we speak in the mortgage business (Martian Language), and the HUD-1 HUD 1 settlement statement or 2010 is what I'm speaking more specifically about.
If you are in or have originated your loan before January 1st, you can continue to close the loan after January 1st under the old GFE/Good Faith Estimate, but the title company will close it on the new HUD-1.
What if you are using two loans to buy or refinance your home...like a piggy back and a first for example? You will issue a GFE for both loans and the title company will have two HUD-1's as well. No biggy there.
The Loan Officer AND the borrower will likely benefit from this if used properly. The design of the change is to empower the borrower a little more by "force", to be more accountable in their process of shopping, and in the same, hold the Lender/Loan Officer accountable for their GFE quote in the beginning. In my opinion, the change is a positive for the lender, but that is because I have never bait and switched or mislead intentionally. In the past, I have had a hard time getting through to borrowers that were a little suspect in the entire shopping process as a whole because of the reputation that comes with mortgage. Therefore, my explanation of how to shop, when they were doing it all wrong, was in one ear and out the other. NOW, the honest loan officers in the industry can relax and let the system force the borrower to shop properly.

The lenders and loan officers that have built their business on smoke and mirrors sales tactics with the GFE's and survived on selling rather than consulting will feel haunted now. Here is why. The GFE, the official one governed by RESPA, is not allowed to be issued unless there is a property...this is good because the uneducated shopper (speaking of buyers and not refinance prospects here) would many times spin their wheels shopping lenders before they ever found a home and then months later when they found the home, they would use which ever company they found the months before. That makes no sense, because a lot can change in a week, must less a month or more down the road. Now, when there is a property and a borrower asks for a Good Faith Estimate, that lender is held accountable at closing by the "system" in the new law. The final documents at closing will put the numbers from the GFE side by side with the final numbers on the HUD-1. If these numbers do not match up, or stay within variance by law, the lender is held accountable for the difference. You see where the dishonest loan officer here will not like the new style? I like it, and many of the loan officers in this industry I am friends with like it because now we don't have to worry about "frisbying" out our GFE wondering if some dishonest sales type is our competition where we'll lose a prospect to a lesser deal and lesser loan officer.
Lets get clear on something. There are circumstances in a transaction process that would require rates or fees to change midway through, and the new laws have made room for those and defined the circumstances that will allow a lender to change the settlement variables from the original GFE. Just make sure that you the borrower, or you the loan officer have your client sign the "Change of Circumstance Affidavit" at least 3 days before you want to close the loan...that is part of the new law. If the APR or fees change from the originally disclosed Truth In Lending or Good Faith Estimate (no called the 2010), you will need to redisclose and sign the GFE and Truth In Lending 3 days before close.

Okay, most of you knew about this on Facebook. I've officially passed the Citizenship test and proudly join you guys in my quest towards my very own American Citizenship Dream.

This desire was 20 years in the making. Today, December 4th 2009, I can finally reach another milestone in my life.

I was completely nervous last night and this morning. What a sigh of relief! The INS Officer was very nice. Completely calmed me down before I started.

40 minutes later, my husband and I are completely US citizens.

What a dream that  finally came true after 20 years. Another chapter of my life.

I'm probably going to celebrate with some sushi tonight.

Now, I'll just wait for the Oath Ceremony.

"I pledge allegiance to the flag of the United States of America
and to the republic for which it stands,
One nation under God, indivisible,
With liberty and justice for all."

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

All contents are original. Consider subscribing to my blog for more real estate commentaries.

Subscribe via Email if you are not an Active Rain member here.

Contact:

Loreena Yeo
Realtor®/ Broker of 3:16 team REALTY
(214) 783-2210
loreena@loreenayeo.com

Check out my Frisco TX Homes website.
One-stop shop for your greater Frisco TX home needs.

Super-serving Frisco, Plano, Dallas, McKinney, Allen, Little Elm, Prosper, Celina, Richardson, Dallas M-Streets, Dallas White Rock Lake area communities and other surrounding areas.

Copyright © 2009 by Loreena Yeo (3:16 team REALTY)
It's Official, It's Done - It's Completely 100% American

Many of you know that I am an active Rotarian here in Frisco. Last year we successfully promoted a run in Frisco Square called - The Lochrann's Paddy Dash. Not to leave out the kids- there was also the 50 yard Piddy Pat Dash. So we are full steam for 2010 and wanted to show you the sponsorship opportunities we have. Love to have you involved with this event that all of our proceeds goes to Frisco Family Services Center. Bounce for Fun will provide and unbelievable kids area. CareFlite has agreed to be our medical sponsor and will have an ambulance and a helicopter for the kids to tour. Our DJ sponsor is SoundMasters DJ Entertainment

Presenting Sponsor
$3,000 contribution

Largest Logo on the back of race and volunteer shirts

Identified as Gold Level on all banners, brochures and on other media placements

Six race entries

Two promotional tables at start finish area

Four banners you provide displayed along race course and/or at start finish

Silver Sponsor; join Behringer Harvard at this level

$1,000 contribution

Logo printed on back of race and volunteer shirts

Identified as Silver Level on all banners, brochures and an other media placements

Four race entries

One promotional table at start finish area

Two banners you provide displayed along race course and/or at start finish

Bronze Sponsor; join Advanced Fixtures at this level

$350 contribution

Name listed on back of race and volunteer shirts

One race entry

One banner you provide displayed along race course and/or at start finish

Water Station Sponsorship; join Clay's Clippers and Landscape Creations at this level

$300 contribution

By sponsoring one of the 2 water stations, your company has the ability to interact directly with the athletes. Proudly display your company banners 5f in front of and past your station

Mile Marker Sponsorship, join Dr. Raj Gupta (my LASIK guy!)

$200 contribution

Here is a way for your company to join in the fun but at a lower cost. We will provide the sign with your company name and logo on one of the 3 markers along the route.

Volunteer Sponsorship

$0 contribution, 40 persons on-site race morning

A way for your company to be involved and receive company acknowledgement on the race and volunteer shirts

Two banners you provide displayed along race course and/or at start finish

City Leader Dunk Tank Sponsorship

$500 contribution

Two banners you provide displayed along race course and/or at start finish

Geoffrey Davis
214-529-9622

Find out why I am called The Frisco Mortgage Guy!