January 15, 2000

Welcome to 0nly4Homebuyers Issue XVI! Happy New Year!
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off that high credit card debt! Creative Mortgage Company offers home
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consolidation. Give us a call at 1-877-355-9414 or use our online
application form at http://www.creativemortgageco.com/
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this Issue:
Eleven Powerful Ways to Expand Your Life
Why Now is the Time to Buy!
What is Mortgage Escrow?
Places to Visit and Learn
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Dear Readers,
Since this is the first issue of the new year, I thought this article
would be appropriate to start the new year off. I hope you enjoy it!

Eleven Powerful Ways to Expand Your Life This Year
by Jim Cathcart

1. Define your future. Describe the life you'd like to live. The
future you see defines the person you'll need to be. Identify the
traits and qualities you'd like to acquire. Think bigger than
yourself. An acorn that only thinks as an acorn will never become a
mighty oak. Stretch yourself. You are undoubtedly capable of more than
you ever dreamed is possible for you.

2. Become the person who would achieve your goals. As you develop the
skills, knowledge, relationships and demeanor of the "future you," your
goals will be the natural by-product of your growth. Spend an extra
hour each day in the study of your chosen field.

3. Give more than you must. Nothing advances until somebody does more
than they are paid to do. Always deliver more value than others
expect. Don't require others to acknowledge your generosity. Give with
"class."

4. Make time for what you love. If you don't live fully, you deny the
world your potential contributions. Your "play" sometimes contributes
as much as your "work". What you love reveals the value you bring to
the world.

5. Refine your Inner Circle. We define ourselves through our key
relationships. Explore the mix and depth of those with whom you spend
your time. Release those who limit you and conect with those who can
help you live more fully.

6. Resolve your unfinished business. Either deal with it or discard it.
Say your apologies, face your fears, pay your debts, express your
gratitude and get on with living. Don't let yesterday drain value from
today and tomorrow. Break out of the limited world of your past and
start to grow.

7. Rethink existing habits and routines. Describe your typical day and
then reconsider every aspect of it. Change or expand the places you go,
people you see, things you do and the time you devote to each. Try new
things. Learn a new language, go someplace different, do some things
you'd typically pass by. Find out what your possiblities really are.

8. Lighten up. Stop stressing over things that only matter to you
emotionally. When life isn't fair to you, get over it quickly. Take
your misfortunes as "course corrections" rather than "catastrophes."
Let go so you can grow.

9. Tighten up. Sloppiness in life allows more variables to creep in and
spoil your plans. Stay on target, increase your self-discipline, master
the art of self-motivation. Sometimes details matter a lot.

10. Profile yourself. Keep a journal of your goals, concerns, fears and
dreams. Review it at least once a year. Look for patterns that reveal
your core values, natural velocity, natural intellegences and recurring
situations. Realize how life ebbs and flows for you. Notice the
natural cycles of life. Know yourself.

11. Invest in yourself. Set aside a portion of each year's income to
acquire new tools and teachers to increase your potential. Refine your
systems, get expert coaching, attend special conferences, cultivate a
study group, appoint a board of advisors. You are your only true
asset. Send part of today ahead to the person you will be in the
future.

©1999 Jim Cathcart, La Jolla, CA
This article is excerpted from Cathcart's The Acorn Principle- Know
Yourself, Grow Yourself. With 21 years experience, La Jolla, CA-based
Jim Cathcart, CSP, CPAE is recognized as one of the worlds' best
speakers. As a psychological researcher and business consultant he has
helped organizations grow their sales and improve their performance in
virtually every type of industry. He is the author of Relationship
Selling(the key to getting and keeping customers), newly published The
Acorn Principle (discover, explore and grow the seeds of your greatest
potential), and many other powerful learning tools. His works are
published by the world's top publishers: Putnam-Berkeley, Prentice Hall,
and Nightingale Conant. For a free laminated reminder card with 11 Ways
to Grow Your Business and Expand Your Life contact the Cathcart
Institute (800-222-4883)www.cathcart.com email info@...
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Why Now is the Time to Buy

According to real estate experts, now is the time for buyers to pounce!
Why? During the Holiday season everyone is busy with parties and
shopping and all the holiday hulabaloo and homes are not being listed at
the same rate as usual. Between December and February, homes on the
market are not getting the traffic they would at other "hotter" times of
year. Sellers are getting antsy! This is the time to get a bargain!

The home buyer season is traditionally, spring and summer. Real Estate
Agents are experiencing a slow time as well and may work harder for
you. Many people want to wait until the end of the school year if they
have children and besides, it's cold out there! Who wants to move in
January? You do! People who sell at this time of year really need to
sell. They don't want to wait or can't wait for spring. Sellers that
need to sell are ready to make you a great deal.

Buyers can benefit from the decline in activity in more ways than one.
You may also be able to save a few bucks on the cost of the mortgage
because brokers and lenders have less traffic at this time of year. They
may be willing to give you a discounted origination fee in order to get
your business.
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What is Mortgage Escrow?

Escrow accounts help borrowers accumulate money for property taxes and
homeowners' insurance premiums. Escrow can help you avoid financial
surprises like your yearly Property Tax bill. Imagine going to the
mailbox and pulling out a tax bill for $1500 or $2000 due by the end of
the month! This could cause significant hardship for some people.

Here is how it works if your mortgage company handles your escrow
account. Each month when you make your mortage payment you also pay
1/12th of your yearly homeowner's insurance premium and 1/12th of your
yearly Property Tax. The mortgage company holds the money for you in a
special account and pays the bills when they come due.

At the end of each year, you should receive a statement from the
mortgage company detailing how much was entered into escrow, how much
was paid out and how much you have left over. This is also the time to
make adjustments for shortage or overage. So if you see a decrease or
more likely, an increase of a few dollars in your mortgage payment, that
is usually why. Your insurance or taxes (or both) have probably
increased. If so, your escrow will be adjusted to reflect the new
amount needed.

Homeowners have an obligation to keep an eye on their escrow accounts.
After all it is your money! If your loan is sold to a different lender
for example, you want to make sure that your escrow balance transferred
along with the mortgage. If you refinance, the old lender usually
closes the escrow account and either reduces the amount it gets at
closing or refunds the borrower by check. The old company should
provide you with a short year analysis of the account, up to that point.

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Places to Visit and Learn
Here is a great story on the new rules about mortgage limits
http://www.bankrate.com/dls/story_home.asp?web=dls&story=news/mtg/19991216&prodt\
ype=mtg

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It is tax time again. I found this site called intelligent taxes. They
have some great information!! You can look up tax information by State
and even download forms for filing both State and Federal taxes. Also
info on Sales Tax and Property tax info by State.
http://www.intelligenttaxes.com/itax/default.asp
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Please feel free to share this newsletter with your friends. See you
next month. Wishing you a Wonderful New Year!

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