About Macomb County, MI

Where to get started on the internet to make money is first meeting!

Internet Marketing Panel of experts Event for Thursday, Feb. 25^th”

Mr. Mark Maupin, from Right Now Marketing Group LLC and Larry Baker, will host a panel of local internet marketing experts on How to get started making money on the internet. Get your questions answered by experts:

• What are the free resources you can use to get started marketing on the internet.

• What are the free internet courses available to you in Detroit Metro Area
• What best online free class to learn the internet game with?
• How do find affiliate products you can make money with.
• How can you promote your business on the internet and make money
• How to write free classifieds, and find the best sites to post your classifieds too.
• How to get your business listed and move to the top local business directory.

Panel of experts:

Mark Maupin: Works for 3 national Franchise handling their internet marketing needs, plus 100s of other small companies and franchisees. Mark Company does mass press releases, mass classifieds, blogs, articles, and social media for small and large companies.

Darnell Tolbert: Teach how to find affiliate programs that pay 50% fees that have great products. Darnell is walking book on tips to make money and show users where all the free resources are on the internet.

AL Lavallis works for social networking media company. Al will be able to answer your social media questions.

‘Leave getting you questions answered, so you can be in action’

Go to http://www.megaeveningevent.com for upcoming internet events

Macomb County, Michigan's Rebound in 2010 can be weighed by the interpretation
of the County's Stats in vital areas;
The future of this County, Here & Now, is predicated upon clear & determined actions
by the elected Officials, Business Leaders, & all Residents


JANUARY'S--last Week 30 YEAR FIXED INTEREST RATES:

...27 & 28 January - 4.87 % = the Low for the week
...25 & 29 January - 5.00 %-5,09 % = the High for week

Total Rates for the Month of January were very good, dropping from the 1 January High of 5.16 %
The entire month was below the 6.00 % rate considered as a good 30 yr fixed rate.
IF you are looking to Buy your new Home, do not wait; the rates can begin to rise
If you ARE buying, then get pre-approved with a dollar amount confirmed;
aim to get a locked-in rate, if possible from the Institution.


MACOMB COUNTY HOUSING TOTALS / 2009

... a. LISTINGS: 27,413 in 2008 to 22,388 in 2009 DIFFERENCE OF -18.33 %
... b. SALES: 7,517 in 2008 to 9,643 in 2009 DIFFERENCE OF +28,28 %
... c. SALES VOLUME:
$880,031,973 in 2008 to $873,276,550 IN 2009 DIFFERENCE OF - 0.77 %
...MEDIA SALES PRICE; N/A

As seen, these stats are not all negative, in fact, they can be read as a sign of forward movement.
Even with the lower Housing Values in the County--we have a defined step for a way forward; to look back to those years [2005 - 2007] when prices were going through the roof is NOT the direction needed now; instead, we need to control Artificial Pricing and promote Responsible Home Ownership

2010 PROPERTY ASSESSMENTS FOR MACOMB COUNTY

...Generally, they are lower across the County. [only Fraser shows + 4.9 %]
...Municipalities are concerned as Taxes are their main revenue source
...To call it a "red-ink tsunami" [source.www.macombdaily.com 31 Jan./ 1A] is misleading
Home Owners will welcome any tax break that comes their way--perhaps only regretting lower value
at the time of Sale. Municipalities are looking for tax increases to fund their programs.
...A repeal or freeze on Taxes for Small Business Owners will result in growth in Businesses AND in
promoting permanent new jobs--This is not often considered--to the detriment of the area.

CORRECTION: in 04 FEB. Detroit News/ the FRASER,MI record is a -4.9%; which report is correct???
However, Fraser is still showing assessments closer to Value than all others in Macomb. Co.

SOMETIMES, it is all about HOW you place the CHARTS.



JOBS, JOBS, JOBS FOR MACOMB CO.

...economist sees job increases in 2010 [Jim Jacobs--MCC President]
...we have reached the bottom
...a possible 25,000 - 20,000 job increases
...IF the Big 3 Automotive Co. meet their goal of 10 -20 % increase in Sales:

Is this a Big IF....is it Reachable...is it Possible
Yes, Yes, & Yes...Here is where the Macomb County residents CAN pull their weight
Do you intend to purchase as new vehicle in 2010, THEN make it one from the Detroit Big 3
Shop at the many dealerships within the County
Purchase from their inventories; or order through their Dealerships


DEFINE THE ROOT OF THE PROBLEM [LOL]

...sorry couldn't help myself there, but for our County and State, that is a Major MUST:

We, as residents of this County and State can and should work to" listen to, read about & wisely choose those folks who want to be in Charge of Macomb Co. & the State of Michigan.

Those of us who lived our 'vitalness' in the 1960's era recall the reign of the Protest song:
as we move into a major Election Year with all of the 'push for or pull against' that is yet to come our way:
...I take a light-hearted tip from the "Crankshaft " cartoon in today's Sunday paper, and propose a revival of one of the songs [angst of Love--rather than Politics & War understood] is Understood, but some of the lyrics may be apropo in the scene of today:
" You don't Own Me " Leslie Gore

...don't tell me what to do
don't tell me what to say
[.....] you don't own me.

Wonder how some leaders / politicians would react to this as a Theme Song from the Citizens.
Just a Thought
Just a Question

source for items: www.macombdaily.com & www.Freep.com both from Sunday /312 January 2010

If you will allow me to reference an earlier blog--of last Thursday & dead sump pumps--
as of today all is done; all is finalized; all is well

Why the repetition: because of the difficulty of achieving this status.
...Last Thursday at 8:00 p.m.[remember this TIME-8:00 p.m.], we caught the problem with the pumps
...We called; he came; he conquered the problem
...He scheduled a Saturday a.m. quick trip to replace a washer-one little washer--on the water-backup
...The time was set for 10:00 a.m.

...Saturday came and continued to move on toward 3:00p.m.
...We had to leave--rescheduled-Mon. 9:00a.m.
...9:00 a.m. came and went, so did every hour until 2:30p.m.-call--plumber is on his way-will get part
...8:15 p.pm--no plumber--no part--no call
...Sal called company--she [dispatcher]said he will be out later that night-Sal said re-set--she said
8:00 a.m. Tuesday
...No go--Sal had KW meeting; I had webinar--set appt. time for Wednesday but NOT 8:00a.m.--9 a.m.
...Noon today, Sal did call company--spoke to a gentleman who understood-said he would get on it
...Gentleman called back to say "He is on his way--give him 10 min."
...Within 5-7 Min. not only did the first plumber arrive, but so did his partner.
...About a 5 minute job--the original plumber said that 'she had scheduled him for today, but at 8:00 p.m.
...not the first time for problem/

JOB WELL DONE .
When Sal next spoke with the gentleman at the business to explain the sequence of set-backs [he called it a systemic dispatch malfunction--the poor gentleman stated that 'aware of this problem and as they spoke, heads were rolling'; when Sal asked him if he was the owner--this long suffering soul stated "No, I am what is known as The FAN"

The FIRST interface with the 'client' for the company is the person who:
...meets & greets in person
...answers the phones
...set the appointments; listens to the 'client'; assures the client; and informs you or
co-worker of person, place & time.
...is the main control of the system--YOUR Business System

Take the time to check how your system works; make any corrections in miscommunication; take control of what is being said to your 'client' before you ever speak to them yourself; make any change in process that need to be made.

If you ARE your system, take the time to check how you process client, meeting, on site, or paper work due within your Business.

If you are a partnership within the main Business take the time to clarify duties of each individual, synchronize all schedules daily, post through e-mails or on an erasable calendar ON the DATE of: all meetings, all client interfaces, place, time, & WHO covers each situation. If using Outlook or computer generated calendars--be certain to set-up so each partner can post to main source.

Sal & I are a partnership; we work out of our Home; he has a large write-on desk calendar for his info; this is very good to have at income tax time and for any questions that may arise in the future.

We have a 18" x 30" erasable calendar on the kitchen desk, where any info affecting both of us is posted.
[I did find a stainless-look style--very classy] It is not permanent, so all vital info is copied into correct files, folder, or onto Sal's business calendar.

I use e-mail to send items to Sal; archive within folder in Outlook; or calendar in Outlook with reminders, In the case of seminars or webinars--I print the needed info as a reminder & to file. This works for us according to the way our Business is set-up.

Each of you have your own systems that work for you AND I wager a bet that NONE of them function in the style of the 3 female dispatchers who were our introduction to this company.
We ARE going to find a non-large company plumber to work with us on our Bathrooms remodels; we have three full baths that need work; 4 sink faucet sets; 2 full shower set-ups; & 1 tub set-up.

Too many experiences involving bad dispatchers could shut down a good Business;

Never take that chance even if you like your helper; if they are relatives or friends; if they are coworkers with whom you work well in other areas.

If your business is suffering due to poor scheduling & communication--you need to take drastic steps to correct ASAP.
OR,
you can close your office, cube, door and call it over & done.

Changes are coming to FHA mortgage loans that will require home buyers to pay thousands more in out pocket costs when buying a home. The good news is you still have a few months to act before these changes take effect. Being a well-informed buyer is critical to your success when purchasing real estate. Please read the excerpt below from one of my mortgage partners. Contact me if you have any specific question on how these changes will affect you, or to get started in the home buying process.

Want your own access to the MLS free of charge? Open up your Listing Book Account today.

Those Who Wait Will Pay Thousands More This Spring

Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.

Changes are coming to FHA mortgage loans that will require home buyers to pay thousands more in out pocket costs when buying a home. The good news is you still have a few months to act before these changes take effect. Being a well-informed buyer is critical to your success when purchasing real estate. Please read the excerpt below from one of my mortgage partners. Contact me if you have any specific question on how these changes will affect you, or to get started in the home buying process.

Want your own access to the MLS free of charge? Open up your Listing Book Account today.

Those Who Wait Will Pay Thousands More This Spring

Waiting a few extra days or weeks to purchase a home this spring could cost buyers thousands of extra dollars as the office of Housing and Urban Development (HUD) implements several changes for loans guaranteed by the Federal Housing Authority (FHA).

Coming just weeks before the April 30 deadline for the Home Buyer Tax Credit and just days after the March 31 expiration of the Federal Reserve Board's mortgage backed securities purchase program (which has kept home loan rates artificially low for over a year), these FHA changes make it even more important to act now to save big.

Here are a few reasons why:

On April 5th, the cost of required up-front mortgage insurance for loans guaranteed by the FHA will increase from 1.75% to 2.25%. For a borrower purchasing a $200,000 home with a $7,000 down payment, the up-front mortgage insurance will increase by $965. Up-front mortgage insurance is typically financed in the final loan amount so the impact to a monthly payment will be minimal but overall, the increase is still borne by the borrower both upfront and monthly.

Later this spring, the amount of money that a seller can return to the buyer from their sale proceeds will be reduced from 6% to 3%. The reduction in these "seller concessions" can increase the amount of cash a buyer will be required to pay at closing by $6,000 for a home purchase of $200,000.

There is only one way to avoid being affected by all of these costly changes that lie ahead – submit all FHA mortgage applications by the last week of March.