E-mail: lee.pridgen@vafb.com Address:Virginia Farm Bureau Insurance 1055 Kempsville Rd. Providence Square Shopping Center Virginia Beach, VA 23464 Phone:(757) 467-0701

Agent (o) 757-467-0603 (c) 757-620-0361 (f) 757-467-0508 1055 Kempsville Rd Virginia Beach, VA 23464 www.FarmBureauAdvantage.com

I came across this article in the COSTCO Connection and thought it was a timely post for February 14, 2011

Lifestyle Strategies- we are all to busy to take care of ourselves right? It seems the more pressure with work; family and even personal needs the more we turn away from what we need most. EXERCISE! I’m just as guilty as the rest. You need to make Lifestyle changes such as eating healthy and getting 30 min of exercise daily.

Organize your day – Yes this is the simplest task yet many fail. If you keep everything in one place you will not overlap appointments or miss them. One good tip never say yes to anything till you check your calendar.

Values- many of us say we cherish our loved ones. We live and work because we want to provide them with the best in life, however our actions don’t always show the same story. I love spending time with the kids – but never do. I value excellence but I turn in sloppy work. Is it time to revisit your values?

Enjoy- how do you wake up? Are you positive do you think good thoughts about how great the day will be? Do you see success for the day? What is your outlook? So many times we subject our self to a negative out look and guess what it happens. Try waking up and telling your self it’s going to be a great day. That anything that goes wrong will get better and you will be okay.

That is how you manage with LOVE

Original article was in the Costco connection from Feb 2-11 author Gabriela Cora

1. Get recommendations 2. Have 3 written estimates 3. Check if there has ever been a complaint about them or the company 4. Make sure they have the proper licensed and registration requirements 5. Get the names of all suppliers they will use and ask if the contractor makes timely payments 6. Contact your local building inspection department to check for permits and inspections requirements 7. Ask to see the contractors insurance certificate 8. Insist on a written contract 9. Understand your payment options 10. Don’t not complete the contract until you know all permits are clear and all vendors have been paid 11. Pay by credit card when you can, You may have some payment options if you have to stop payment to the contractor

http://maps.google.com/maps?client=safari&q=1127+Virgilina&oe=UTF-8&ie=UTF8&hq=&hnear=1127+Virgilina+Ave,+Norfolk,+Virginia+23503&gl=us&ei=AvCsTM2oFcSAlAfc3dnOBw&ved=0CBMQ8gEwAA&t=h&z=16

http://www.youtube.com/watch?v=sDPrRHapQJc

Joe Rothchild 2009 stats 779 sales 146.8 mil in volume

14 points he made at Mega Camp 2010

1 treat it like a job 2 dress professionally 3 manage your time focus, goals, structure daily 4 dont be a secret agent identify your self as mush as possible 5 prospect get out there 6 put marketing in place and be consistent 7 know where your leads are coming from 8 follow up consistently 9 think out side the box 10 know your competition 11 be a listing agent 12 there is no limit to your achievement 13 honesty and integrity above all 14 figure out how to replace yourself

The dress for success series

http://www.fanniemae.com/homepath/financing/index.jhtml ( information about the program )

James Walrod. 757-351-6408 Call James today to talk more about getting a loan on your next home. James.Walrod@union-mtg.com

James Walrod. 757-351-6408 Call James today to talk more about getting a loan on your next home. James.Walrod@union-mtg.com

Vince Murray Tidewater Mortgage Services vmurray@twmortgage.com Phone: 757-605-4640

Bekins Moving Courtney Coe 5827 Curlew Dr., Ste. 5 Norfolk, VA 23502 757-488-5666

Use this program to buy the cash only offer house that needs repairs done prior to closing to have a mortgage or the out-dated house that is perfect just stuck in the 70’s

Loan Criteria: FHA loan with 3.5% down payment based on total of acquisition cost and repairs Must use an FHA approved inspector to determine estimate of repair costs Can be used to make repairs and upgrades to property after closing Appraisal value based on completed project Up to $35,000 in repairs No structural repairs allowed Can include cosmetic upgrades Construction must be complete in less than 6 months Can include monthly payments in loan amount while waiting for completion of project Must use Class A or B contractor that is licensed and insured

McClean Mortgage Kevin C. Warren Senior Loan Officer 757-237-4920 860 Greenbrier Cir Suite 200 Chesapeake, VA 23320

Is refinancing your home a good idea even if you’ve been in the house for a short period of time?

Yes, the rates are in the 4’s now and it makes sense especially if you go with a 15 year loan. These rates are lower, sometime by a ½ % or more for a “par” rate comparison.

Par is the going rate without paying any discount points to achieve that rate- meaning”0” points to buy down the rate. [You can pay up front to lower the interest rate.]

In some instances the switch to a 15 year rate does not increase the monthly payment that much, especially if the client has paid on the 30 year note for a few years. With the reduced loan amount and the new reduced mortgage rate sometimes it can actually be lower per month.

A recent loan I had done involved a single woman that had paid 8 years into a 30 year loan. I was able to knock off 7 years of the loan and reduced the payments by about $93 a month. She had financed less money for a shorter term and at a better rate. I believe that it was less than 2 % difference in the two loan rates.

This same woman referred a neighbor of hers to me. In this case, her neighbor refinanced the original 30 year loan amount for 15 years and kept the cash difference to apply to some remodeling work. Her payment went up $106 a month, but knocked 8 years off her loan, and she was able to pay for the cost of the remodeling job. These are probably two exceptions to the general rule, but a 15 year loan saves so much money that it is worth it in the long run if you can afford the difference, since the rates are so low now.

Whether it is a new purchase or a Refi, the time is now. When the government decides the value of the dollar is too low or you hear the word inflation in the news a few times during a weeks’ period, watch out- higher rates will follow the next week. I try to encourage people to act now and find out what can done for them because I don’t want them to say, “I wish I had refinanced when the rates were lower.” I know that has happened to me on more than a few occasions. The rates are at an all-time low now and it brings great satisfaction helping people get the most for their money. Especially afterwards when they say “that was easier than I thought.”

Since completing the new testing and licensing requirements, I am more excited about the mortgage business. The new changes have been very positive. I have been receiving more new referrals and I can say that I have made many great new acquaintances. It’s nice to be involved in a business where you can help people actually find “new” money by refinancing or by giving them a peace of mind that they are getting the best deal available on buying their house.

Courtney Coe 757-274-8369 Certified Moving Consultant at Bekins A-1 Movers Relocation Consultant at Bekins A-1 Movers, Inc

1055 Kempsville Rd Virginia Beach, VA 23464 www.FarmBureauAdvantage.com