Lee Stiber

After about a two month respite from Blogging which I still cant find a good excuse for I have decided to put blogging as part of my weekly schedule. Now the hard part of staying on track.

Its amazing how life can make plans for you if your already do not put the plans for yourself. Over the past two months I have gone through quite a few personal issues however one of the biggest changes has been switching real estate offices from Keller Williams in Horsham to Keller Williams in Blue Bell where I originally started my real estate career. In this tumultous market and getting back to basics I decided it was time for a change. Now that the transition is complete I have no more execuses for not getting back on track. While I am away visiting family for a few days I hope to get my schedule planned out for the next year, who and when to prospect, finalize my business plan, enhance my networking efforts and cut all my expenses. I have made a 100% comittment to my Real Estate career and have decided this is the year to stop makeing excuses and get into action!

I hope to be blogging shortly about a mulitude of subjects. Instead of writing in my journal, I will use the blog as my journal and express my views, concerns and ideals via this forum.

It feels good to getting back in the swing of things and as the new year approaches I find myself reenergized about what the future will hold. Time to make my dreams and aspirations a reality!!

Feds unveil plans to unfreeze consumer debt market

Lets hope that this will help provide some stability to our markets.

Feds unveil 2 programs to provide $800 billion to help unfreeze market for consumer debt. The Federal Government has announced they will purchase Mortgage Backed Securities directly from Fannie Mae and Freddie Mac.

Current Rates

Conventional 30 yr fixed, 30 day lock, > 720 credit score

Zero point = 5.625%

One point = 5.375%

FHA 30 yr fixed, 30 day lock > 650 credit score

Zero point = 5.5%

One point = 5.375%

VA 30 yr fixed, 30 day lock > 650 credit score

Zero point = 6%

Half point = 5.5%

RANK DISTRICT ES PERF MS PERF HS PERF COST PER STUDENT AVG. TEACHER SAL. DISTRICT S:F RATIO

1 Tredyffrin‐Eas.own School District (Chester) 1 5 1 $14,222 $64,959 14:1

2 Lower Merion School District (Montgomery) 3 12 5 $23,131 $77,899 12:1

3 Radnor Township School District (Delaware) 5 1 6 $17,878 $71,795 13:1

4 Unionville‐Chadds Ford (Chester) 7 2 3 $14,861 $68,114 15:1

5 Wallingford‐Swarthmore (Delaware) 14 17 7 $15,020 $61,967 13:1

6 Upper Dublin School District (Montgomery) 2 4 2 $13,738 $62,169 14:1

7 New Hope‐Solebury School District (Bucks) 24 6 23 $21,264 $70,154 13:1

8 Great Valley School District (Chester) 12 13 14 $17,032 $64,495 14:1

9 Methacton School District (Montgomery) 8 7 20 $14,109 $60,047 14:1

10 Central Bucks School District (Bucks) 6 3 44 $12,385 $67,187 19:1

11 Wissahickon School District (Montgomery) 13 22 19 $17,653 $71,204 14:1

12 Rose Tree Media School District (Delaware) 10 9 15 $17,597 $63,895 13:1

13 Haverford Township School District (Delaware) 11 26 18 $13,076 $61,404 16:1

14 Hatboro‐Horsham School District (Montgomery) 4 10 34 $14,094 $66,287 14:1

15 Council Rock School District (Bucks) 27 11 8 $14,041 $84,612 16:1

16 Colonial School District (Montgomery) 38 19 43 $17,457 $68,872 13:1

17 Lower Moreland Township (Montgomery) 29 20 13 $14,816 $71,784 15:1

18 Garnet Valley School District (Delaware) 28 21 12 $14,431 $54,901 13:1

19 Downingtown Area School District (Chester) 20 16 21 $14,224 $58,915 15:1

20 Haddonfield Borough (Camden) 30 48 4 $11,568 $62,900 13:1

21 North Penn School District (Montgomery) 22 27 36 $13,591 $66,919 15:1

22 Owen J Roberts School District (Chester) 16 18 41 $15,975 $54,863 15:1

23 West Chester Area School District (Chester) 57 28 27 $14,809 $62,741 15:1

24 Phoenixville Area School District (Chester) 9 34 29 $19,358 $64,663 13:1

25 Moorestown Township (Burlington) 45 59 11 $11,404 $54,986 12:1

26 Perkiomen Valley School District (Montgomery) 18 24 32 $13,072 $62,763 15:1

27 Jenkintown School District (Montgomery) 35 36 17 $20,576 $71,774 12:1

28 Abington School District (Montgomery) 26 32 24 $14,011 $69,875 16:1

29 Springfield Township School District (Montgomery) 53 8 45 $18,222 $66,168 13:1

30 Upper Merion Area School District (Montgomery) 40 23 35 $18,363 $76,743 14:1

31 Cherry Hill Township (Camden) 41 60 10 $11,200 $53,520 12:1

32 Eastern Camden County Regional (Camden) 73 58 9 $11,045 $65,529 12:1

33 Cheltenham Township School District (Montgomery) 47 47 26 $17,561 $72,169 13:1

34 Kenne. Consolidated School District (Chester) 44 40 49 $14,795 $56,705 16:1

35 Marple Newtown School District (Delaware) 21 25 38 $16,142 $65,653 14:1

36 Avon Grove School District (Chester) 36 15 50 $11,167 $50,805 18:1

37 Quakertown Community School District (Bucks) 17 14 66 $14,358 $74,375 16:1

38 Palisades School District (Bucks) 31 35 57 $15,367 $71,069 14:1

39 Pennsbury School District (Bucks) 34 39 28 $14,046 $78,047 16:1

40 Souderton Area School District (Montgomery) 23 44 60 $13,123 $63,158 15:1

41 Springfield School District (Delaware) 59 29 46 $14,124 $60,304 15:1

42 Spring‐Ford Area School District (Montgomery) 54 56 47 $14,026 $56,622 15:1

43 Pennridge School District (Bucks) 32 37 54 $13,339 $70,153 17:1

44 Neshaminy School District (Bucks) 33 30 52 $16,723 $81,816 15:1

45 Lenape Regional (Burlington) 62 62 16 $11,277 $55,188 11:1

46 Centennial School District (Bucks) 37 33 53 $12,845 $70,642 16:1

47 Octorara Area School District (Chester) 46 41 77 $13,991 $55,475 14:1

48 Upper Perkiomen School District (Montgomery) 55 46 68 $12,111 $73,020 16:1

49 Upper Moreland Township School (Montgomery) 56 38 59 $13,469 $65,685 16:1

50 Penn‐Delco School District (Delaware) 19 31 72 $12,547 $54,080 15:1

51 Cinnaminson Township (Burlington) 68 70 42 $11,161 $54,194 11:1

52 Clearview Regional (Gloucester) 66 65 30 $8,972 $48,385 12:1

53 Northern Burlington Regional (Burlington) 72 74 25 $12,086 $50,286 10:1

54 Po.sgrove School District (Montgomery) 58 42 74 $14,474 $59,928 14:1

55 Oxford Area School District (Chester) 52 49 90 $13,182 $50,664 17:1

56 Kingsway Regional (Gloucester) 71 69 39 $9,595 $46,566 12:1

57 Haddon Heights Borough (Camden) 78 79 37 $11,571 $52,044 11:1

58 Pitman Borough (Gloucester) 98 67 33 $11,102 $59,906 10:1

59 Haddon Township (Camden) 89 64 22 $11,073 $57,510 11:1

60 Ridley School District (Delaware) 61 45 76 $12,569 $68,226 15:1

61 Florence Township (Burlington) 43 96 65 $10,688 $54,770 11:1

62 Interboro School District (Delaware) 42 N/A 79 $12,216 $63,107 15:1

63 Washington Township (Gloucester) 15 68 40 $11,267 $53,386 11:1

64 Bensalem Township School District (Bucks) 63 43 81 $16,775 $78,885 16:1

65 Rancocas Valley Regional (Burlington) 79 61 82 $10,409 $52,582 13:1

66 Gateway Regional (Gloucester) 87 N/A 56 $11,235 $51,615 10:1

67 Audubon Borough (Camden) 83 63 63 $10,930 $52,183 11:1

68 Morrisville Borough School District (Bucks) 39 N/A 80 $21,574 $65,937 13:1

69 Coatesville Area School District (Chester) 64 51 78 $19,686 $54,663 15:1

70 Black Horse Pike Regional (Camden) 67 80 64 $9,536 $50,426 12:1

71 West Depaord Township (Gloucester) 97 77 55 $9,315 $59,285 13:1

72 Upper Darby School District (Delaware) 70 53 89 $10,873 $56,189 17:1

Personal advice for a better you

A Community Presentation Series

Citibank - 781 Easton Road - Warrington, PA

215-918-3668

August 28, 2008

6pm - 8pm

How to stay young for the first 100 years!

In this talk you will learn helpful tips that can help you maintain

your vitality throughout your life. This is a topic that you and

your family need to know about. If we are going to live 100

years we need that long life to be a quality long life.

Dr. Craig D. Hall

Chiropractic Physician

Hall Family Chiropractic

365 E. Butler Ave, Doylestown, PA

214-340-5376

Love your beauty. Enhance your life.

Balance in life is essential and reducing tension enhances the quality of our lives. Come

and discover restorative treatments where stress reduction and relaxation are more than

just a luxury, but a way of life.

Judith D'Andrea-Fisher

Proprietor

La Spa Arabesque

21 East State St, Doylestown, PA

215-345-6994

A check-up of your financial health.

Financial Health is often overlooked. Is it time to get a check-up of your financial

portfolio? Just as your physical health affects your quality of life, so does your financial

health. We will discuss how your asset allocations affect your risk and your portfolio

performance.

Scott Stencler

Financial Advisor

Citi Smith Barney

781 Easton Rd, Warrington, PA

215-918-3668

*Refreshments will be served*

Please RSVP by Monday, August 25, 2008 - 215-918-3668

Horsham grants preliminary approval for redevelopment of Golf Zone

The Horsham Planning Commission recently granted preliminary approval to New Jersey-based Develcom Development Company to construct a bank, four-story hotel and a Car-Mart on the site where the Golf Zone sits at 1020 Easton Road. Develcom has agreed to address storm water and grading issues at the site. Although Develcom has worked to gain approval of variances from the township's zoning hearing board, there is no timetable for the next step of development.

There are also plans to redevelop the area of Pine Run Corners located at Horsham and Dresher Road. Still waiting for final details but I have been hearing of a 24hour CVS, new bank, new eateries and a few small businesses with the addition of sidewalks and landscaping.

Horsham was voted the 13th best place to live in the country and changes like these will keep adding to the value.