Not too often I can go ahead and brag about looking worse than the kids who dress up for Halloween. However, this Halloween consisted of a lot of fun for the entire family. On Friday we had the first annual Chili Cook Off. It was awesome. We had 10 different types of Chili. I've never made chili before, but I did make it this night. Let's say that I didn't make the top 3.
The next day was Halloween. It was awesome. Here I am with my oldest son. He looks really old here. I'm really not sure who looks worse, but my wife almost peed in her pants laughing so hard. It was a lot of fun and my kids said that it was the best Halloween they'd ever had. Sure, this is a day after speechless sundays, but I really had a lot of fun to share!
Halloween is just around the corner! Every year I like to give a lot of shout outs to protecting your children. My kids actually like Halloween, but I think that they like the party and the chili afterwards more than the actual trick or treating. I'm the same way.
However, I'm a NAZI about child protection. There's a lot of wierdo's out there....and in this world more than ever. Halloween isn't probably as big of a deal for the wierdos, but the time is right and there've been too many horror stories in years gone past.
Keeping the children protected means staying away from wierdos. Needless to say you need to watch your kids year round....but...without further ado....
Here's one Way to Protect your Child
The Sexual Predator List(s):
These are your kids. I always check both prior to going on our little Halloween excursion. Be safe...protect your children. They're the most valuable assets you have.
Halloween is just around the corner! Every year I like to give a lot of shout outs to protecting your children. My kids actually like Halloween, but I think that they like the party and the chili afterwards more than the actual trick or treating. I'm the same way.
However, I'm a NAZI about child protection. There's a lot of wierdo's out there....and in this world more than ever. Halloween isn't probably as big of a deal for the wierdos, but the time is right and there've been too many horror stories in years gone past.
Keeping the children protected means staying away from wierdos. Needless to say you need to watch your kids year round....but...without further ado....
Here's one Way to Protect your Child
The Sexual Predator List(s):
These are your kids. I always check both prior to going on our little Halloween excursion. Be safe...protect your children. They're the most valuable assets you have.
By Noon today over 900 Saint Charles East students were home with some sort of illness.
As a result, District 303 Officials have decided to close the school for the rest of the week. According to Ron Schlomann this decision was made because of a lot of absences, plus the desire to not have the illnesses transfer further. Needless to say, it's reported that no one has the Swine flu or the H1V1.
The trend is your friend, or so I'm told. Mortgage rates going up? Watch the trend. Rates going down???? Watch the trend. I got into the business in 1994, but got serious with it in 1996. Needless to say, FHA was it! There were conforming loans, jumbo loans as well as V.A. loans. Sub-prime loans were really nothing but an idea. Nooooooooo, lending was FHA in the mid 90's
Come turn of the century (I love saying "turn of the century") conventional loans ruled and sub-prime loans all but ruled what used to be an FHA market. Lite-doc, Alt-A and no doc loans came and it really became a pre-cursor to the market's sub-prime blow up. As I've discussed before there were so many contributors to the mortgage collapse. While this post isn't about this I do feel that it warrants to know that everyone contributed to this collapse. This includes:
But, again....alas, I digress. The trend was FHA....by about 2003, there w
as talk by Congress thinking of abolishing, eradicating or fading out FHA. The trend was away from FHA and to many, the demise of FHA was imminent.
FHA is back in all it's raging glory right now. In fact, I've been in the business for 15 years now and FHA has never looked stronger. Really, FHA is THE KEY to
Home ownership & the Economic Recovery for the United States.
Here's why.....
First, home ownership never looked better than it does right now through FHA. There really isn't a better alternative for first time home buyers than FHA. For instance,
Secondly - Economic Recovery!
The truth of the matter is this. FHA is the key to the economic recovery for the United States. How can I make such a bold statement? The fact of the matter is this. What's the thing that has taken the United States out of every recession and or depression? Real Estate! Every recession and depression has ended when Real Estate has taken off.
The strongest mortgage out there is FHA. FHA is the key. The first time home buyer stimulus will be a major component of this and the word is that some form of this bill will be renewed or extended. The United States needs to have real estate properties move. In order to do that we need the best product out there. The trend is our friend, and for now....FHA is that means that the key to the recovery is making sure that FHA is well protected. There are problems with FHA and the viability is being scrutinized by HUD and through Congress. Guidelnes may change. In fact they will, but FHA is here to stay.
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