Stephen & Donna Clyde

Here's a quick note to let you know how I can help the first-time home buyers you feel comfortable introducing me to.

There has never been a better time for first-time buyers to use their tax credit and purchase a home. Hundreds of homes are priced below market value, and the $8,000 home buyer tax credit is 8,000 more reasons to look seriously at purchasing a first home right now.

Why do I say "right now"? Because the tax credit is available for homes purchased before December 1, 2009. It's also important to know that this tax credit is for first-time home buyers only, which the IRS defines as someone who has not owned a home for three years prior to purchase. There are additional guidelines that must be followed, but the critical thing is to act now.

If you have a family member or friend who could benefit from learning more about this tax credit program, please have them call me for a free, one-hour consultation.

P.S. Because this program is a tax credit - it does not have to be repaid. Who's the next person you know who should learn about this program?

You're probably familiar with the phrase, "Spring forward, Fall back," in terms of Daylight Saving Time. But there's also a time when it's good to "spring back" - that is, to be resilient. The dictionary defines resilient as "springing back; rebounding; recovering readily from illness, adversity, or the like." Here are some tips on how to master the skill of being resilient and springing back as you navigate through our ever-changing world:

Learn from experience. Resilient people reflect on what happens to them - good and bad - so they can move forward without illusion.

Accept setbacks and losses. You've got to face the reality of what happens in order to get past it.

Recognize emotions. Resilient people don't hide from their feelings. They identify what they're feeling and express their emotions appropriately.

Keep time in perspective. Past, present, and future are separate. Don't mix them up by letting what's in the past determine your choices in the here and now.

Think creatively and flexibly. Find new ways to solve problems and face challenges.

Take care of yourself. Resilience is based on good physical and mental health. Get enough rest, eat sensibly, and spend time with people who support you.

Ask for help. Resilient people don't try to do everything themselves. Accept that you'll need to ask others for assistance, and learn how to do this graciously and effectively.

The dictionary also defines resilient as "returning to the original form after being bent, compressed or stretched." Lots of that going on these days!

‘TEAM CLYDE' REALTORS JOIN

RE/MAX CONNECTION FAMILY

Press Contact: Steve Royek

Phone: (856) 906-4755

Email: sroyek@goguardianinsurance.com

MARLTON, NJ (September 15, 2009) - "Team Clyde" - featuring market-leading Realtors Donna and Stephen Clyde - has joined the RE/MAX Connection Realtors family, making South Jersey's top real estate firm even stronger.

"I am thrilled to welcome ‘Team Clyde' to our winning organization here at RE/MAX Connection," said Christopher J. Brown, RE/MAX Connection Realtors President and CEO. "The knowledge and experience that Donna and Stephen bring to our operation will enhance our position as the region's number one real estate company."

Through the first eight months of 2009, the two RE/MAX Connection Realtors offices that make up South Jersey's leading real estate team finished #4 (Marlton) and #7 (Mantua) among all RE/MAX offices statewide in units sold.

"Team Clyde," which also includes Realtor Elizabeth "Betsy" DiRiego, was the number one team in sales and dollar volume for the past five years and was a top listing agent at the Voorhees office of Weichert Realtors before moving to RE/MAX Connection. While working out of the Voorhees office, the team was in either the Gold (Top 40 teams) or Silver (Top 60 teams) Circle of Excellence each of the last five years.

"We moved ‘Team Clyde' to RE/MAX Connection to take advantage of the worldwide marketing and technology of RE/MAX and the local knowledge and experience of RE/MAX Connection," said Donna Clyde. "We look forward to using the state-of-the-art facilities and services provided by the customer service professionals at RE/MAX Connection to accelerate the growth of our listings and sales."

Donna Clyde was in the top 1% of all Weichert real estate agents nationwide before joining RE/MAX Connection and was the top agent in Burlington and Camden counties for the past six years. She was licensed in 1977.

Stephen Clyde, who was licensed in 2003, is a Certified Distressed Property Expert and brings his expertise to the RE/MAX Connection team of short-sale specialists. He currently serves as a councilman in Berlin Borough and is the immediate past president of the Berlin Rotary Club. Stephen is a board member for the Alicia Rose Victorious Foundation and is in training for the November 1 New York City Marathon as part of Lance Armstrong's Live Strong Foundation.

RE/MAX Connection - Marlton is located at 1000 Lincoln Drive East, Suite Two, Marlton, NJ 08053. Phone: (856) 988-1800. Fax: (856) 988-8020. The broker of record in Marlton is Kevin Bayzath.

RE/MAX Connection - Mantua is at 660 Woodbury-Glassboro Road, Suite 26A, Sewell, NJ 08080. Phone: (856) 415-1210. Fax: (856) 415-1291. The broker manager in Mantua is Kevin Burbage.

More information about the independently owned and operated RE/MAX Connection Realtors and its offices in Mantua and Marlton can be found on the Web at www.goconnectionnj.com.

For 7 years it's been our pleasure to help people achieve their dream
of purchasing their first home, moving up to a larger home, or buying
a vacation home,as Real Estate Consultants with Weichert Realtors.

We are writing to let you know that we have changed companies and will
now assist you as Real Estate Consultants with RE/MAX Connection
Realtors. We have enclosed some business cards with our new
information.

At RE/MAX Connection Realtors we will continue to be 100 percent
focused on the needs of our clients, keeping their best interests
foremost in our mind. As you know, we are committed to making the home
buying & selling experience the best it can possibly be by educating
our clients about the process, and providing a level of service that
exceeds their expectations. Our goal is to build lifelong
relationships, one client at a time.

Sincerely,

Stephen & Donna Clyde
Your Real Estate Consultants For Life

In today's market, more and more homeowners are finding themselves in financial distress due to real estate than ever before. If you are a homeowner in danger of losing your home, do not get discouraged there are many options to get your finances back on the right track. That's why Stephen Clyde, Realtor with Weichert Realtors in Voorhees, NJ recently became a Certified Distress Property Expert(CDPE^TM) and a member of the Distressed Property Institute.

Camden County's Stephen Clyde, is one of 1000 agents nationwide (out of 1.4 million Realtors® in the US) that is designated as a CDPE. "Homeownership is a national priority and lies at the heart of the American Dream," said Clyde, of Team Clyde, "Few events are as devastating or disruptive to a family as the loss of the family's home to foreclosure. By any measure, the epidemic of Americans losing their homes to foreclosure is severe. Today, we are experiencing a community crisis in homeownership. A struggling homeowner's interest in the workout options available to them from their mortgage company is quite high, but their awareness of these options is quite low."

Alex Charfen, founder of the Distressed Property Institute in Boca Raton, Fla., said that Realtors® such as Clyde with the CDPE designations have valuable training in short sales that can offer the homeowner much better alternatives to foreclosure, which virtually destroys their credit rating. These experts also may better understand market conditions and can help sellers through the emotional experience," he said. The CDPE is the premier designation for Realtors® helping homeowners in distress and handling short sales" Charfen said.

Short sales allow a cash-strapped seller to repay the mortgage at the price that the home sells for, even though it is lower than what is owed on the property. With plummeting property values, this can save many people from foreclosure and even bankruptcy. More and more lenders are willing to consider short sales because they are much less costly than foreclosures.

"Our goal is to educate as many people as possible so we can help as many homeowners as possible" Charfen said.

For Immediate Release

"The American dream is homeownership! It's not foreclosure. There is no community in vacant homes!" Said Stephen Clyde.