Edward moloney

The end of 2009 is right around the corner. Have you taken a few moments to look back at your year, your month or even your week. We all have gifts that we give and that we receive. I think the world has become more then ever one where people look for a reference or referral when they are looking to hire a professional or buy a product. Gone are the days of advertising being the way to get clients. The focus must be on relationships and bringing value.

The question is what will you do in 2010 to bring more value to others. How will you become the go to person that people want to call when they need something since they trust you and your opinions more then anyone else in their personal circle.

How will you ensure that the people that call you get the best service from the people you refer them to.

Again I think everyone should look at their plan and have a true passion for the client. In the end if you want Raving fans you must provide more value.

My hope is the above has gotten us all to think a bit and reflect on the year. That is the gift we can give to ourselves and others.

by Edward Moloney 9/10/09

The Home Buyer Tax Credit may help someone who wants to move back to Holliston meet the goal.

We have all been inundated with information as it relates to the government and their efforts in keeping the housing market moving ahead. Some of the information that I have heard on the radio and even read on the web is very far from clear. I am writing to provide the readers of the HollistonReporter.com some facts relating to the Tax Credit.

1. The credit is not only for people who have never owned a home before. The credit is for anyone who has not owned a principal residence in the last three years prior to the purchase date and is purchasing a primary residence.

2. The credit is phased out at different income ranges. For single borrowers the phase-out is for borrowers that have a modified adjusted gross income of 75k to 95k. For married couples the income is from 150k to 170k.

3. To receive the credit, the borrower must close on the property by November 30th, 2009, the present deadline.

4. A person will not qualify for the credit if buying a home from a close relative. This includes a spouse, parent, grandparent, child or grandchild.

The above information is not intended to be tax advice. I always recommend that clients speak to their tax advisors before making any home buying decisions. They can also go to IRS.GOV and get additional information as it relates to the tax credit.

At this time there is no word from the government relating to any possible extension of the deadline date of November 30th.

I believe that this credit could help people who would like to move back to Holliston but never thought that they could afford to do so. The town of Holliston presently has fifteen single-family homes on the market that are listed below $385,000. Source of reference: Realtor.com.

This article was written by Edward Moloney a Holliston resident and local mortgage consultant with Zenith Mortgage Advisors. Cell phone 774-573-0329.

Do you feel that kids are our future? If so then what do you think about mentoring, Have you ever considered becomming a mentor? One great organization that you should consider investigating is the Big Brother Big Sister Organization. I sit on the board for BBBS central MA. We will serve over 1000 kids in a 40 town area.

The impact you have on a child can put a smile on your face.

So please take a moment and review the below site. We are running a great ONLINE auction that all funds raised will help us serve these kids. Thanks for reading. Let me know how you will give back

http://www.cmarket.com/auction/AuctionHome.action?vhost=bbbscm

We are all blessed with different skills and abilities which are our own personal gifts. It is easy for us all to allow our gifts to go unused or get a bit dusty. The reality is that 2008 was not a great year for many. It felt like every time we turned on the cable there was something negative being reported. It is very easy to have the negative around you prevent you from focusing on the things that are good. Again back to gifts. Today I received a gift and that gift was a phone call from a close friend. That friend told me point blank that several times this year he was disappointed in me because I had appeared to let my gifts get dusty. He stated that I was given the gift of energy and optimism but that on several calls over the last year that he felt that the energy was gone. He reminded that this energy was something that I was known for. Also that often this energy that I am blessed with aided others to get moving and energized on their own goals after a phone call with me. So today I wanted to thank that friend for straightening me out and allowing me to see that I had a gift that was wonderful but was letting it be wasted.

I also thought that it was important to share this with others with the hope that they would take inventory of their own gifts and dust them off and put them back to use. Enjoy the first month of the year and start off on the right foot. Enjoy

The market is an interesting one. I would like to learn more about what people in the industry are doing differently. I believe it is key for us all to learn from others.

I have started doing more reading. I have done much less on-line with active rain. I have started doing annual mortgage reviews with my past clients. I have worked a great deal with Linked in and used it as a tool to help others through my human capital to reach their goals.

I believe that we all must try different things. One way to find out about different steps that others are doing is to simply ask. So that is what I am doing I am asking!!!

My hope is that 1000 of you you will provide me comments on these questions. The reality is this would be less then 1% of the members.

So I look forward to the comments.