About Smith County, TX

The wife and I played golf yesterday again. I don't know if there is a better time to play than in the fall. The colors and the temperature make it all just perfect. I tried out a new putter and it worked great. Shot 76 in spite of the fact I felt unsettled over the ball all day. But what the heck, it was a blast. I hope everyone gets out and enjoys this time of year. Anything outdoors right now seems gret and rewarding. Just walking the dogs is fun. Headed for Barton Creek on Monday in Austin, I can hardly wait. The camera went in the car with the clubs. Wish me luck. :)

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When it starts cooling off, I crave the snow. I hope you guys are ready for some good skiing this year. It looks as if the ski season should be one of the best in years. It also looks like it is starting early. I am glad I don't work in the stuff, but I love to play in it. I hope everyone has a great winter and enjoys playing in the snow.

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"It's always darkest right before it goes completely black."

~Terry Miller

Have you ever wondered how some people even survive with the attitude they poses? You know the type. They're the one that if they won the lottery, they would complain about the taxes. I will give you some advice about people like that. Run, I mean run away from them as fast and as far as you can. Negative people thrive on the destruction of other people. Your business life depends on you being ready and positive at all times not down and depressed. Never wish anyone ill will when it comes to life or business. It is simply a waste of your time and energy and no one is worth that amount of attention from you. I have found in life and business people generally don't get what they expect but always get what they deserve. So move on and succeed, the negative and hateful among us will get their just due and we will just keep moving forward and succeeding.

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I believe that an uninspired mind is a wasted mind. I also believe that the more you use your mind at any age, the sharper it will be. With Alzheimer's and other diseases that affect mental function at all time high, I believe it is more important than ever to give our mind a workout every day. Not doing so, encourages diseases to take over our minds.

It is also my belief that you must be active physically. You may be over weight as I am, but you can still have an active life style. I love to play Golf and walk with my wife and our two beagles. Find something that you can do to stay active physically. It is a must do for a long life. Eat good healthy foods and limit your bad foods to very small portions, if you must have them.

When it comes to business, you must be the very best at your profession. Stay current on all the education and motivation available to you in your chosen field. However, the most important thing you must have is "PASSION!" Without a passion for what you do, you simply will not and cannot, be the very best at what you do.

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GET PRE-APPROVED

I'm Terry Whiteley a Coldwell Banker United Realtor in Tyler Texas. I want to talk to the HOME BUYERS out there. Initially,during the HOME BUYING PROCESS we sit down in a relaxed friendly supportive environment. That's because I am not selling anything. My mission or goal is build rapport with you so I can determine interest and needs. Plus I want to determine if you are motivated or just looking. Because you have choices it's important for you to know that sometimes we represent sellers and sometimes we represent BUYERS. Therefore, I will take the time to explain information about brokerage services. As the BUYER my very next question will be "... do you know how much ($$$) you are PRE-APPROVED for? Or said differently do you have a PRE-APPROVAL letter from your bank? Unfortunately, many FIRST TIME HOME BUYERS look at me with blank expressions because they don't understand the HOMEBUYING PROCESS. On the flip side many experienced buyers can produce the needed documentation. If you are a FIRST TIME HOME BUYER this is where I pause then ask "would you like to hear more"?

IMPORTANCE OF PRE-APPROVAL LETTERS

There are several good reasons why a PRE-APPROVAL letter is important. First, it's a time saver!!! It saves both of us time because now we can focus on which homes to target. It lets me know if you are really motivated or just looking. Secondly, it will shield you from potential embarassment especially if you fall in love with a home that is beyond your financial means. Third, it speeds up the HOUSE HUNTING PROCESS. Fourth, we can write a contract together which SELLERS will take serious because they know you have the money to back up your offer. This is another time saver as this enables and speeds up the CLOSING PROCESS which recently has been hammered as lenders struggle to get loans through the underwriters in a timely fashion. Like it or not lenders are taking 2 - 4 weeks longer. That's why PRE-APPROVALS are important. Finally, if there is a credit issue it gives lenders time to find potential problems before they arise.

IT'S A MATTER OF SELECTING THE RIGHT AGENT