It seems I am going through some kind of life change...don't laugh or click off the page just yet! I've noticed I have spent a good part of my life...saying I won't...I never...NO WAY...not because I was stubborn but because of my beliefs..my personal views of what is right for me...but for some reason as I get older...

My beliefs have changed....and so have my views.... and thanks to the Internet I've become much more flexible..being flexible brings that great quality...tolerance...

Here are a few thoughts that may help grow your business and feel free to add your own!

When dealing with someone out of the U.S...I realize..on occasions they may in fact disturb me..due to the time difference... or they may not get back to me in a timely fashion..maybe they can't..because across the globe..there are still areas without Internet access and phone capabilities..and reception problems.

In the U.S. my parents have to get dial up for now..they have a hard time receiving their calls on their cell phone..we are talking Alabama!   

I know that many of the general public..don't have the luxury of working 9 to 5 some with over night shifts...or 24 hours on..sometimes its a benefit to adjust your business hours to suit a wider range of the population.

If you as a family are struggling financially there is a good chance most people you encounter have had their fair share this year.  It may not be what you might perceive is financial struggles..don't kid yourself..most people are affected..go talk to the general public individually.

Financial struggles mean different things to different people in different parts of the world.

Not everyone may find my humor funny as a matter of fact maybe in some cultures it might be found offensive, it matters...we are a diversified group..human beings that is!

I know that education levels vary around the globe..I take that into consideration..when I speak to the general public...when I write...

An education does not make you a better person A Smarter person with a chance to become a better person..its makes you educated..

Some things folks say would be considered offensive-in the way they address people or the conversations they hold and thoughts that some have..I think about this because we deal with so many cultures.

I've learned not to take things so personally..because there is a chance I'm not being flexible enough?  Doesn't make me wishy washy..doesn't make me weak...I just realize...

I'm dealing with human beings and every one of us are different...unique...and global! The Internet has taught me that!  With all the information...sources and the people of the web! 

"People from all around the world!"

We all yearn for a few things in life...health, happiness..love and wealth...Its a funny thing...a few things we all have in common but yet each person can be so different!...To be flexible brings about tolerance and boy in this day and age we could sure use more of that!

“The test of courage comes when we are in the minority. The test of tolerance comes when we are in the majority.”  Ralph W. Sockman

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

I got a call from an Investor..  The interesting thing about this investor...he is participating in a new program available to the public.   

I've listened to some of the webinars...and I have had the chance to look at the contracts..and skim through the book.   When they say full disclosure... they aren't kidding...everything is disclosed.....right in the sales contract...I am impressed..but very skeptical!

I sat with this gentleman for over 2 hours...he had questions...I had questions..I was very curious...another investment program...

FLIPPING Shortsales

I used a short sale listing as an example when speaking with him......why because that is the only type of property these investors are interested in..and they must be single family homes.

Now I don't know what's happening with short sales around the country but in our area.....

They are plentiful...

So plentiful...we watch property value drop..just about every time something closes...get it...

WE WATCH PROPERTY VALUES DROP JUST ABOUT EVERY TIME A PROPERTY CLOSES!

But is property value dropping or prices reflecting true market value in today's current market conditions?

While you think you might be getting this great deal...right now...for short sales...many are priced...

For true market value....

True market value for what it is worth today in this current real estate market..

Its the factual numbers I am talking about from current comparibles...from current CMA's and from current appraisals!

Are you seeing short sales listed way below true market value or are they selling at a price...that shows true market value for your current market conditions? 

Would you..knowing what you know...flip short sales now in hopes to make huge profit right now in your current marketplace?  I can see investors...investing....leasing their properties but flipping???  Sorry, you'll have to convince me...

Today I was evaluting my blogging for the past year..and in doing so..I really paid attention to the little gold nuggets in my blog posts..not written by me..but others in comments.  Call it training..or future blog material..these are some of my favorites for 2008! 

The Activerain Featured Dashboard is Not Enough....  "Hi Midori - I'm glad to see Blogger's Choice get some featured attention. It's an excellent solution to recognizing all of the great content on the Rain, with the added benefit of really getting the members involved."

John Novak - Las Vegas and Henderson NV Real Estate

Basic Mortgage Information Every Real Estate Professional Should Know!  "Midori. You are so right.  This article should be memorized by every agent who has ever uttered the words "That's not my job".   I believe that about 50% of the contracts that don't close could be either closed or never written if agents would learn basic financing, qualifying, etc. The trend of agents these days to see how many tasks they don't do just perplexes me.  They don't qualify buyers. They don't qualify sellers.  They don't go to inspections.  They don't go to settlements.  They don't, they don't, they don't. How can they complain about fees going down when they are not willing to provide the service for which they wish to be paid."

Lenn Harley, Broker, Homefinders.com in Maryland and Virginia   

Blogging Class In Session, Tips on Gaining Customer's Everyday! Mmmidori... you summed it up perfectly with "Building relationships on Web 2.0 to me is much more valuable than top placement on the web"... That point seems to get lost in the race for SEO position or between the next batch of social network invitations.  The only real way to stand out from the crowd these days is to deliver consistent, useful, quality content to attract and keep a loyal following, sort of like our own personal fan club.  A zillion things & people are trying to get our attention on the web, we all have limited time and attention so we have to make the most of it if we want someone to pay attention to us. As you said, it's all about the relationship!"

The Blog Artist - marti garaughty 

Talking to Activerainer's..Do You Ever Get Star Struck? C'mon Admit It.. Sometimes I do!  "Midori, I've spoken to several Rainers and I was shocked the first time I got a call!  My first thought was... ME?  Are you sure you want to talk to ME?  LOL...since then, friendships have grown, many calls have been made and I can't wait to talk to the next new Rainer :)" 

Lisa Heindel, New Orleans West Bank Real Estate

Real Estate Professionals How Far Will You Go?  "Midori, THANK YOU for keeping an eye, but not delving deep into compensation.  GFE's should be compared for a fair market price.  Loan originators work VERY hard to obtain loans, especially in this credit-tight market!  The compensation is well-earned and, more times, than not, is less than the realtor's commission.  A Realtor should not begrudge a loan originator and vice-versa.  Realtors and lenders need to work together for the common cause: a happy seller and a happy buyer." 

Ann Sabbaugh  

Never Forget Your Humble Roots! Pay It Forward!  "Midori -- you have no idea how much this means to me.   So many I have mentored and assisted and it is the few that show gratitude for the help that mean the most.   I too am coming up on my two year anniversary -- July 1.   I remember when we all started and were trying to figure it out.  We all helped each other out.  Today it is a different attitude.  Back then,it was a natural evolution Kristal Kraft mentored many of us in the beginning, our group carried it on to you and those that are helping others.   Today, I see too many members that want it handed to them.... "Western New York Home Sales/Colleen Kulikowski

Technology Tools for Internet Surfers! Not One is Real Estate Related!  "Midori, I am so glad I switched to firefox. It has saved my posts so many times. and comments.  Everyone should use it that blogs or surfs, also great for not getting trogans and viruses."

  Missy Caulk-Ann Arbor-Realtor (R)- Ann Arbor Real Estate

Still Packing And Not Closed. Put Yourself in The Seller's Shoes! "There are always mixed emotions when a family leaves their home. I remember when we packed up my grandparents in Connecticut and moved them to Florida when I was in high school. It was strange, thinking that someone else would be living in the house that Grandpa built!!!

  Barbara-Jo & Bill's North Pinellas Blog - Florida Realty Professional - AHWD

Buyer Broker Agreements-Its Not Always About The Deposit!  "Some people say there is no benefit for the buyer in a buyer's agreement.  That is a misconception, and I have seen it in living color - here are a few examples of benefits for the buyer who chooses to sign a BA.  BAs protect buyers from greedy FSBO sellers (they aren't all greedy, but they do exist) by allowing the buyer to have a third party negotiate price, inspection repairs and follow-up. Timid buyers don't want to offend the seller (They seem sooo nice).  BAs guarantee that someone will dig in and check a price, market conditions, upcoming tax assessments, easements, utility averages, previous insurance claims and more.  BAs guarantee that the agent won't bid against the buyer in Ohio.  BAs guarantee that the agent will show the buyer every home on the market, not just what is on the MLS.  BAs help the buyer get the best price, best value and best representation and highest level of commitment from an agent, because they know they are not competing against other agents due to their agreement with the buyer.  In Ohio, agents have a much higher level of legal commitment to buyers when a BA is in force.  There is much more, but I don't want to hijack this post!!  My thought: If an agent doesn't know how to protect his/her own interests, how can they be expected to look out for the buyer's best interests?" 

Dawn Maloney, ABR

Problogger, Can I Have Your Autograph? Midori's Book Review  "Midori, I loved your analysis of this book. I'm definitely going to order it as well. I do subscribe to Chris G's feed. I think I picked that up from one of Marti's blog posts. Thanks for the head's up. ;-)" 

Teri Ellis -  Homes Arizona Real Estate

Survey Says: Real Estate Is A People To People Business  "Hi Midori - I think anyone who is set out to blog trying to network.  I agree, it's a people business & people who need people (:)) blog, it doesn't always have to be about real estate.  I have read that here & there all along that we need to stay on topic and I disagree with this.  You can't always be cut & dry & if it's always about RE you will bore the consumer.  Besides, when you have  client in the car your topic isn't always RE - you get to know them.  Blogging is a way of letting them get to know you."

Kristin Moran ~ San Antonio, Texas ~ Real Estate (RE/MAX Access )

ReBlog Please! Tell Ten Friends And So On...  "The Susan Kommen Cancer Foundation has made great strides in Cancer Awareness. Also, the MRS. AMERICA pageant has brought much attention. Thanks for the blog..."

John Hurbon from Benson, AZ

Featured Post or Featured Quality? "You hit it right on the nail or err post button. Here's our top 10 reasons why writing for a feature works and makes sense.

1. You force yourself to write high quality posts with a larger degree of content
2. You end up researching topics more in order to have valid information
3. Forces you to write to a higher constituency
4. Due to heightened expectations from your readers you try harder each time
5. To stay consistent at a higher level above others
6. Allows you to use that resourceful content on other blogs/sites you own
7. Keeps you focused on the bigger goal, to dominate by points (joke)
8. To keep up with the jones'
9. To up the anny'/Raise the bar/Improve Active Rain
10. To keep Brad Andersohn and Rich Jacobsen busy / Job Security  (truth)

I think #9, is the primary reason why the feature should continue and yet another reason why it improves Active Rain as a whole.  Thanks for the mention Midori, i will be sure to pay it forward to you in short time O.o\ :)" 

Castellum Realty - Lancaster real estate - homes for sale in lancaster county PA

A Lesson In Appreciation-Meeting Online Celebs!  "Midori - I love the way your purity and appreciation comes out in this post.  It must be amazing to really connect with great people on line and then to be able to meet and network in person is just awesome.  We have not been on AR long but already feel that connection and yearn for the next opportunity to be a part of something bigger !!!  It warms my heart to see and read a number of posts of how great a time people had but more importantly their appreciation to be a part of it and have that interest to be a part of someone else's life as well.  Is beautiful.  There are certainly a lot of on-line celebs there - including yourself !!!!!" 

Christopher and Stephanie Somers - Realtors - Philadelphia Real Estate

You Want To Be A Better Real Estate Professional? Focus On Your Mistakes! "Midori, I enjoyed reading your blog and you're absolutely right.  We should sit back and analyze our mistakes, and try and learn from them so that we can become better at what we do.   I think initially we instinctively try to avoid thinking about our mistakes because it's often painful to reflect on them.  Naturally, everyone likes to think they're perfect, right?  But as Monika said earlier, "no pain, no gain."

TRACY MILLER - Short Sales Specialist & Mortgage Mediator

Thanks Everyone!

For the interaction...the conversation but most of all thanks for the little gold nuggets....Your Comments! 

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

Christmas gift suggestions: To your enemy, forgiveness. To an opponent, tolerance. To a friend, your heart. To a customer, service. To all, charity. To every child, a good example. To yourself, respect."  ~ Oren Arnold

Wishing you and yours a very beautiful holiday season and thank You friends for your support throughout the year!  Much love and happiness now and throughout 2009!

There seems to be a huge party going on in my email box and from the looks of it...mine is not the only one.  Recently I have been getting google alerts for many posts...and many that are not my own. It sounds to me like Google Alerts Gone Wild!  I admit..I love it...even if I don't understand it!

My google alerts:

• Daytona Real Estate Trainer
• Florida Real Estate Trainer
  
• Midori Miller
• Midori

Funny thing, it's not only happening to me but many others.  Someone recently contacted me...yes...she has gotten 20 google alerts for her name but with my posts...not sure how it has happened but I do remember writing about her a few times. I used her name in my tags on a few posts.

The same thing is happening to me...with some of the comments I leave...or posts from the past that someone else has written.  Has google alerts gone wild or is it a glitch?  

If its google alerts gone wild...Wayne said it best..Party On!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller and CENTURY 21 Sundance Realty.  Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

My parents are enjoying their new home in Alabama.  When my dad got on the phone on Friday..

I started to cry...during the holiday season I am usually this way and I've been this way since I was a little girl...

I get very blue...so blue..one might call it depressed....I've learned through time to change my focus and my take on the holiday season....for me the holidays are the gift of giving....and help the less fortunate..for me it helps..and I get through it..

With the feeling of joy and I actually feel the true holiday spirit in what the holidays mean to me.  

My dad has noticed this about me too...I'm up..I'm down....and it started a conversation..I wasn't thrilled about..but in truth..maybe in his mind it needed to be said. 

He told me its not uncommon for people to be depressed during the holiday season..depressed so much it would cause one to commit suicide..

Ouch..he had to go there..considering two of our family members have committed suicide....my brother's stepson at the end of 2000 and my sister Jan. 1, 2001.

Man, my dad still worries because he still hurts and the truth we all do but I imagine as a parent who lost a child to suicide...will always worry..and be concerned for their other children! 

We seem to avoid these conversations..to this date..we all try so hard to bury the sadness..but the truth is we will never be able to..It's truly our loss and the fact of the matter we deeply miss our loved ones.....when you love...you feel the loss..and its forever!

Fortunately for us the human spirit is so strong and gets stronger..and its very easy to divert that sadness into bringing joy to yourself by thinking of others! 

Before I hung up with my father...I shared with him a few words.

"Dad I know, yes dad, dad I realize that, Dad yes, DAD, I love my life and I promise if ever I feel so blue..to think about suicide..you will be the first person I call, I promise!"

Damn, now that was harsh...a little too harsh at that moment..I was on my way to a party...

I never in my life imagined having a conversation like that with anyone especially with one of my parents.

I've been thinking about the conversation ever since...and would like to send a message out..loud and clear.

If you are feeling blue you are not alone!  Please if you are having a tough time coping with the holidays or are feeling depressed...call someone...or talk about it! 

• Call your doctor’s office.
• Call 911 for emergency services.
• Call the toll-free, 24-hour hot-line of the National Suicide Prevention Lifeline at :
  
• 1-800-273-TALK (1-800-273-8255) to be connected to a trained counselor at a suicide crisis center nearest you.

There is something so heartwarming about giving...and it doesn't always require you to dig in your pocket..whether its your time by helping your neighbor bring in their groceries..or giving a homeless person one of your blankets..a smile..a hug..a simple wave..what you give out is what you get...and in reality there is a good chance...you would bring joy into a strangers life...and in the process possibly brighten your own!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller and CENTURY 21 Sundance Realty.  Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

One thing is certain..not all real estate professionals and mortgage brokers...are the same..with service...with skills and with professionalism.  I thought it would be interesting to get the very strong opinions of some of our favorite outspoken friends.

With the real estate professionals I asked mortgage questions and with the mortgage brokers...I asked REALTOR questions...both advising buyers in today's market...It's interesting...and educational!  Pay attention to their words..it might spark an idea or help you to work more effectively... Let's see what they had to say:

What piece of advice would you give a buyer right now in obtaining a mortgage? "Make sure you have the ability to repay the mortgage with your current income.  Don't stretch for more than your needs, but do negotiate aggressively to get the most value in your home purchase, seller concessions towards your closing costs, and get the best mortgage rate and APR.  Get a fixed rate 30 year mortgage"

What can loan officers do to make your job easier? "Loan officers need to understand the buyers fears and apprehension.  They must be most accommodating, and yet be pragmatic - recognizing the current market and the buyers concerns.  I personally feel that loan offers must start viewing themselves as mortgage consultants and advisers and take a buyers advocacy role.  Buyers will need reassurances that their own needs and welfare are of a primary concern to all." Jim Crawford

What piece of advice would you give a buyer in purchasing a home?  "If it is for investment purposes, the best time to buy is when nobody else wants it.  That makes right now to be one heck of a good time to buy.  If however, you are like most folks who just want a roof over their head to call their own, my most important piece of advice is a psychological one.  Buy something well within your means of affordability.  Sleep well at night knowing your mortgage payment is one less worry in your life.  And start shopping for a mortgage in a smarter way."

What piece of advice do you have for real estate agents?   "Partner up with some solid & trustworthy Mortgage Professionals who are readily available to you and your clients.  Don't leave it at just that either.  Find good and reputable appraisers, contractors, title companies, real estate lawyers, etc. to establish a trusted network of professionals from which to learn from and help in any present or future transactions.  In my view, the very best way to operate in any market is to educate and mutually market your services to your sphere of influence and serviceable area/areas.  To thrive you've got to market aggressively and become a chameleon marketer... always adapting and proactively defining your market area."

What can REALTORS do to make your job easier?  "Refer me clients with 740 credit scores, strong financial, and 20% down on a single family residence:)  Seriously though, a better understanding of the Mortgage Process would not only make my job easier... but the entire transaction.  Co-market to get your names in front of people and to keep it in front of people.  And lay-out your expectations from the start.  Not only for me but for your clients".  Jason Sardi

What piece of advice would you give a buyer right now in obtaining a mortgage?  "I think it's best if buyers explore all their options when looking for a mortgage and work with someone they can trust. Not the person who promised the lowest rate in the beginning, yet cannot deliver at closing."

What can loan officers do to make your job easier?  "Keeping all parties INFORMED! One thing I've learned is that most buyers (and sometimes sellers) feel out of control once they're in escrow. That's primarily because they are not informed through out the process. No surprises!"  Lynda Eisenmann

What piece of advice would you give a buyer in purchasing a home?  "Get your documentation in order BEFORE you look for a mortgage:  a- Fill out a uniform residential loan application (Form 1003).  b- Organize your two year income and employment history.  That means you should copy the first two pages of your 1040 income tax form for the last two years,  your W-2 or 1099 forms supporting these tax forms, and your last 30 days worth of pay stubs.  c- Gather up your asset statements:  checking account, savings account, securities account, IRA, 401(k), and any annuities you have.  d- Now, get three sheets of paper.  In BIG magic marker, PRINT, the following:
                                APPLICATION                 INCOME                 ASSETS

These are your dividers.  e- Scan the package, IN ORDER, to a pdf format. Now, you have something to show lenders when you call around for a home loan."

What piece of advice do you have for real estate agents?  "Work primarily with buyers whom are able to obtain mortgage financing.  If you are partnering with a lender, develop a twelve month campaign, for buyer referrals, targeting people with wage-earning jobs.  Groups to target would include:  Nurses, cops, firefighters, teachers, government workers, employees of big companies, and military service members are all likely prospects for home buying.  While the larger transactions will be bought by the entrepreneurs, many business owners have difficulty documenting their income.  A strong base of "wage-earners", as home buyers,  will carry you through 2009."

What can REALTORs do to make your job easier?  "Naturally, the easiest thing a REALTOR could do is to point a home buyer to the first answer. Educating borrowers about the importance of proper loan documentation, prior to calling a lender, makes our job a LOT easier.  Taking "ownership" of the client, when they fail to comply with lender's documentation requests during the loan process, keeps transactions on schedule." Brian Brady

What piece of advice would you give a buyer  right now in obtaining a mortgage?  Make sure that you fully communicate with your MB. Make sure you supply all pertinent info they will need to ensure a successful approval to purchase. If you are going to shop around...don't just look at the rates...look at the other additional costs along with the customer service they supply. Do your home work and ensure you really can afford to make your payments...ask your Realtor for comps over the last 90 days to get an idea if you are paying market value or not.

What can loan officers do to make your job easier? "Just like the MB I just closed with..although he was on the buyers side and I had the seller...he called me and emailed me every time there was an update. He ensured me quickly as to whether this loan would go through or not. He told me I would know within a few days if there was going to be a problem and there wasn't. I guess you would say communication with all parties is the most important thing I would say...this way if there is a problem...maybe we can all tackle it and solve it instead of always fighting." Neal Bloom 

I don't know about you...but I got something very different from each person....what about you..what would you say to a buyer?

About the Author: Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager and Daytona Beach REALTOR. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea. midorimiller@yahoo.com (386) 453-3236

I don't know about you but I am a marketer's dream..I sign up for just about anything..that's right FREE..... e-books...demo's and trials of software. 

Now when I sign of for these FREE items...I know somehow...someway..I will be solicited...

I don't have a problem with it and I expect it...

BUT your E-Mail Drip Campaign is killing me! 

Think about dating someone you barely know..do you start full force with force..or do you court them and let the love bloom? 

Usually when the pace is too fast..and the feelings are not mutual..you end up parting company..cut off..it's over..the end!

Drip campaigns should be thinned out just a bit..with a personal email..call..or face to face (if possible)..

It's one thing to want to stay in touch..2 times a month or even once a week..but sending spam out...every single day..does not make for mutual relationship building. 

And just like a relationship..when the feelings are not mutual..with a click of a mouse..there is a good chance that.....

You Lost A Customer Forever!

How about you?  How frequent is your drip campaign? 

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

Yesterday while doing my daily research I found something so interesting and useful on Yahoo Real Estate.... I found some incredible market research and you can get it for FREE!

“Embracing the Online Real Estate Market” White Paper -Get insights into how real estate consumers behave online and how you can align your online marketing strategies around four key consumer segments.

“Online Engagement Influences Agent Selection Process” Research Study-Learn how the web is changing how real estate consumers are selecting an agent and how you can improve your marketing presence to win more clients.

Yesterday I was reading online and could not help myself I printed both..there is a wealth of information.

• "67 million consumers are turning to the Internet for real estate information"
• "The typical online real estate consumer is 45 years old"
• "83% of Real Estate Consumers used an agent in their recent past purchase or sale!"
• "Consumer recommends the agent they selected to friends or family looking for an agent!"

This is just a sneak peek!  There are over 50 pages chocked full of marketing research.

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

Happy Holidays and Seasons Greetings to all my global friends.......

• French: Joyeuses Fêtes!

• Spanish: Felices Fiestas!

• Swedish: Trevlig Helg!

• Portuguese: Boas Festas

• Turkish: Mutlu Bayramlar!

• Romanian: Sarbatori Fericite!

• Mandarin: Jie Ri Yu Kuai

• Catalan: Bones Festes!

• Japanese: Tanoshii kurisumasu wo! (Have a happy Christmas)

• Italian: Buone Feste!

• South African (Xhose): Ii holide eximnandi

• German: Forhe Feiertage

• Dutch: Prettige feestdagen

• Hawaiian: Hau'oli Lanui (pronounced how-oh-lay la-new-ee)

• Gaelic: Beannachtaí na Féile

• Slovenian: Vesele Praznike

• Indonesian: Selamat Hari Raya!

• Croatian: Sretni praznici!

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

If you compare the statistics by NAR on the technology habits of Real Estate Industry professionals vs. 1st time homebuyers..keep in mind..the stats are very different. 

Think about the average age of a real estate industry professional (Generation Baby Boomers) vs. the 1st time homebuyer (Generation Y) ..again their is big differences.  In habits...in generations..and in the methods in which we all choose to communicate.

And web 2.0 isn't going anywhere!  As a matter of fact..just like everything else..it seems to change..and many are struggling to keep up with the changes.  

As I talk to real estate professionals I find that some say many of the same things..."I can't keep up"..."I don't understand this"..."and maybe my time in real estate is near the end!"  Yes I heard it all!

Wait a minute and hold tight...something profound I got out of sitting in a E-PRO class a couple of years ago...and its stuck in my mind and it might help you the really busy real estate industry professional....who can't seem to grasp Web 2.0 or you just can't and won't be bothered because they lack the time!

Hire a college student! 

Remember 1 thing...100% of the college students are online today!

Wouldn't it be great to get them to work...to pay back their student loans?  After all they are the next wave of buyers and sellers!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community. 

Be Very Careful!

When Joining New Social Networks!

Not all Social Networks are the same...their laws that is.... the terms between a social networker and network....different networks..different terms..Some short and sweet and to the point and others that a lawyer is needed to decipher.....Terms on each social network can be very different in the way your account is handled..... the use of your content and the cancellation policy to name a few.

And to think I agreed to the following terms:

"Once information has been inputted at _ _ _ _ _ _ it will also become the joint property of _ _ _ _ _ _ to do as they wish with it."    

I'm just wondering......Do you think with those terms... people will be fired up to write quality content on their site?

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

Optimist..that seems to be my claim to fame based on what others say..and for some reason I don't agree..I'm a realist..and maybe by the way I choose to look at life..some might view optimistic...I view myself.....

Lucky and Fortunate!

I really do not watch too much television..but I do watch BBC news...it causes me to dig..and read..and learn what is going on in the world.  As I dig deeper I find regardless of what is going on in the U.S. I am very lucky and extremely fortunate.. We live better than most!

This may not sound so optimistic...nor patriotic..and probably very selfish..but this is my mindset and my holiday acceptance and the truth that I see right before my eyes

The Holidays have become so commercialized..yes so commercialized..the true meaning is lost! 

During the holidays..people tend to overindulge...overspend and then complain..or they have to pay for it later!  I really don't want someone doing that on my behalf!

I remember when my kids were young..I worried because maybe I didn't get them enough for the holidays..or stood in line for hours to get that action figure that they wanted so badly..but as time progressed our traditions for the holidays changed..

We did not buy into the commercialized aspect of it...because most often times...we would Celebrate Christmas..with some simple good cheer and turn around and exchange gifts......In the middle of January!  Not because of want...but because of necessity..and the tradition carries on today!

I sit and think about how many children go without food around the globe..at least in the U.S...there are shelters and in most cases..you can go anywhere and have some warmth.... FREE access to clean water ..and if things got really bad..I imagine if you picked through some dumpsters there is a good chance you will find unopened food..no I've never been in this position but I've worked in the grocery business!

I think about how at a young age some children around the globe...fear for their lives...search for clean water..or even scraps of food...its reality..and definitely not optimistic!

So how can we stop this constant of poverty that exists?.....by education...By assisting..not only those in our own backyards but globally as well.

The poverty cycle needs to be broken!

Educate

We won't be buying into the great sales or holiday commercials...We won't be sending those beautiful holiday cards out that I normally do..nor will I be buying gifts that stand a good chance at being stashed in a closet..or even at risk of being re gifted!  Nope not this year or ever again!

But what we will do is with hope and a open mind..we will be helping to educate 10 of Rocky Turner's girls so that maybe we can do our part to help break the poverty cycle...

Around The Globe!

With education..Children become Leaders...Some World Leaders...The Future!.. with new ideas....brings about change..and hope and awareness..a better chance at breaking the poverty cycle...1 child at a time!

My holiday acceptance for me and for you...create your own traditions and instead of celebrating  just one day or one season..carry that spirit with you throughout the year.....think globally..and remember as bad as you might think you have it..feel fortunate and very lucky of where you are today..and if you can spare a few dollars to send a gift..why not send the gift of education.

Spread Holiday Cheer and Reblog please!

Disclaimer: The opinions expressed by The Activerain Network and it's members and those providing comments are theirs alone, and do not reflect the opinions of Midori Miller AKA Daytona Beach Real Estate Trainer and CENTURY 21 Sundance Realty. Midori Miller and CENTURY 21 Sundance Realty are not responsible for the accuracy or content provided by The Community.

Today I received some information in my email..about RESPA changes and the fact..there will be more disclosure to a potential borrower. The Good Faith Estimate and the Settlement Statement.

What a concept! Right?..I think that way...because as real estate professionals we have many disclosures..and many are requirements by law.  As a real estate professional you get used to it..the extra paperwork..and in truth as irritating as it is...the reality..its a paper trail.  Paper trails are important...regardless of any market!

In the State of Florida we will have a new sales contract coming soon!  Bigger..Longer...due to the large number of foreclosures...same reason why these changes have occured!

And now the Mortgage Industry will have more too...disclosing...that is!

• What's the term of the loan?
• Is the interest rate fixed or can it change?
• Is there a pre-payment penalty should the borrower choose to refinance at a later date?
• Is there a balloon payment?

But as I continued reading...I decided to go to the HUD site and confirm what I was reading...because if a ruling is passed....and it confirms it on the HUD site....and there is links to the new docs........

If it is available online right now...

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

Last night someone called me and asked me how do I pick my blog topics...I had to tell the truth often times..there is no rhyme or reason.....sometimes I sit in a trance like state..and my husband asks..

"What's wrong?"

The truth is...its my blog topic...and its my thinking look when I am getting ready to write a blog post.

• Sometimes something occurs in the day..which triggers a blog post..
• Other times...it starts brewing in my head for days on end..and finally it gets put into a blog post.
• I tend to look up top searches and sometimes..top searches..equals awesome blog material.
• Entering contests...those writing assignment..help to make me a better blogger
• Other people's posts that are thought provoking..sometimes the comment alone is equivelent to a blog post.
• Social Networking information and building relationships makes for excellent posts..
• Writing about others...do I need to say it?  Great material...
• I have many posts sitting in word.. sometimes I write in advance and sit on them...and when the time is right they emerge on my blog.

How do you pick blog topics? Do you put them in a notebook or do they just pop out of you???? 

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

Since David Patterson has agreed to do the Blogger's Choice Selections..Holiday Edition...we thought we could get a few questions answered for David and a few answered by David for the Member Spotlight..David had the opportunity to ask these 3 people on line a  question about anything.

Not only did I get the opportunity to ask David a few questions..I also got to ask the 3 people David selected..hey I couldn't give away who was asking these questions..if they knew that they would know who is hosting the Blogger's Choice Selections.....

Member Spotlight...David Patterson

Tell us a little bit about yourself..."I was born and raised by a Preaching Father and a Teaching Mother in the coalfields of southern West Virginia. My childhood was dominated by my love for music and football. By the end of my high school career, I had received several area and conference accolades and became a Captain on the first Mount View High School football team to play and win in the West Virginia SSAC playoffs. I left the coalfields to attend Queens University in Charlotte, NC and obtained my B.A. Degree in Mathematics. After matriculation, I began my professional career as a Marketing Liaison for the now Bank of America. After 10 years of lavishing in the Corporate America environment and experiencing a couple of lackluster real estate transactions with other real estate professionals, I was moved to pursue my entrepreneurial dream by becoming a licensed Realtor in 2004."

How did you find the ActiveRain real estate network?  "During my transition to a full-time real estate career, my friend in the banking technology arena sent me a link about ActiveRain."

Why the Bloggers Choice Selections Group? "The BCS Group keeps you abreast of the great contributions from bloggers with the most subscribers. These bloggers are usually the ones with types of posts that meet my current reading needs, wants and desires."

I notice you are a sports fan.....favorite sports....favorite teams.  "I have always been a sports fan. I was born and raised a Pittsburgh Steelers fan. The Carolina Panthers became my hometown team upon their entry into the NFL.  Also, I am a life-long Atlanta Braves fan. I used to watch the games with my grandfather while lying on a vinyl floor in the dark to stay cool during the warm summers.   Though not a team, I am a fan of Kevin Garnett of the Boston Celtics and Ray Lewis of the Baltimore Ravens. When my real estate career is over, I want others to compare my passion for real estate with the passion of a Garnett or a Lewis."

It's not too late to join the group and add those posts you thought should have been featured on the main dashboard...Get a second chance and get your unfeatured posts a shot at getting featured in the Bloggers Choice Selections Group! 

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

My good friend Ann Cummings tagged me for the Christmas MEME...and if you you did not read her touching post...you might want to take some time..and read it...its beautiful and really if you are sentimental grab a tissue.

Luv U Ann and I am Coming to Clermont To Visit This Holiday Season!

Here are the rules for what we need to do on this one:

"Now for a little surprise--I want you to name one gift you would like to have on Christmas. It has to be an object. We all want happiness for Christmas. If you could pick one single gift out for yourself-what would it be? Remember-it has to be something you can touch and hold.... Once you have done this, name five people or more and send this to them for them to name the one special gift they would like to have.

This gift cannot be money either."

Gifts....hmmm... I do enjoy them and appreciate them...truly if I really want something..I just go out and get it myself.... yes...I would like world peace..who doesn't?  right....

I've been thinking about this..and the truth is...I like the little things...trinkets...sentimental...little gifts that mean something...and are memorable... holiday wishes..doesn't cost a thing..just time...warm thoughts...and good cheer..but if I were to be looking Santa in the eye..and if I were to pick a material gift it would be......

Some real quality time with myself!

A 7 Day Spa Getaway!

Massage...pedi..facial.....quiet...tranquility.....room service.....walks...nature...a real getaway anywhere!

Away from my computer.....my cell phone....away from everyone including my kitties...and everything that I deal with on a daily basis...pampering...personal time...a chance to stop and smell the roses..7 days to do what I want...when I want...where I want...ME..Me...me! 

As you can see a vacation is in order! :) 

Now to tag..the 5 lucky ones....

• David Patterson
• Kristal Kraft
• Jay and Monika McGillicudy
• Lisa Hill
• Jeannette Neerpat

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

I ran out into my living room telling my husband I was going to be in the real estate biggest loser competition...he looked around the room like we were in public...shushed me and asked me....

"Why would you say that?" 

I had to laugh...no I'm not striving to be a loser..well in reality yes I am but not a real estate loser....but

A loser of 35 pounds

You can read about it on Jay Thompsons blog and Craig Barrett's post.

It's amazing how things happen...and a few of us..are putting it out there for the world to witness...

Thanks Jay and Craig..and all the other participants..you'll see I'll be talking smack before long!

It might be a competition but I feel unity..and empowerment! ...and I have to send a shout out to the special ladies..who knows by the end of this competition we can call ourselves..The Sisterhood of the Baggy Pants!!!! 

My Charity of Choice...The Gift of Education, MothersFightingForOthers.com

Feeling supportive...Please stop by and check out the wiki...

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

A few months back I had a bad customer service experience..well I can't say it was bad service..but more like bad conversation..an employee of this establishment talked politics..with the same passion as the ladies on the view..I admit she stressed me out and I found her to be hateful and rude......once she saw what I did for a living...she ran back to trash one of the REALTORS in our company. Was I insulted?  Yes I was... so insulted I swore I would never go back.

Problem was I needed the service again..and they are the best in town.

I asked around got a few recommendations but still for some reason I was compelled to go back...

But not before I checked their website..you see..

I found them on line the first time around and I remember all the faces on the site..especially the one who wasn't so pleasant to deal with.

So I checked the website..and it was my lucky day..that young lady I had the bad conversation with was no longer on the site. 

Maybe she quit or maybe she got fired...I guess I'll find out once I get there.

Once I arrived, I asked the replacement where the young lady was..and she said she was gone..and before I knew it I blurted out, good she wasn't a very nice person!  The replacement smiled and told me make sure and share it with the boss..it will make her feel better about her decision.  I knew at that point the young lady...got the axe!

The boss and I started talking...the boss decided to part company with the young lady..why..because of other bad conversations with customers.  I told the boss the whole story...why?  Because they asked...because they knew they made a mistake...and might have lost customers...and it took them a year to figure it out...and the young lady had been warned...and coached by the boss.  But no one would come forward..it seemed they overheard things on occasion..but never really any proof..such as customer complaints. 

She asked my why I didn't say anything then...the truth...I couldn't be bothered....funny thing about the boss..I could see her pain..and I understood..but the boss did something to help herself out...she now has a complaint box at the front desk and asks her customers personally how was the service?

When I questioned the REALTOR about this young lady...the sad part was he remembered...she bought his listing but he was not her agent..and she was upset with him.....Because he told her NO PREOCCUPANCY as per the seller!

It got me thinking..that we the public are doing a service by reporting bad customer service or in my case...bad conversations especially when it comes to small businesses!  When do you report bad customer service or do you walk away?

Midori Miller is a licensed real estate associate with CENTURY 21 Sundance Realty, Real Estate Trainer and Manager. If you are interested in a career in real estate please contact me!  All calls and inquiries are confidential.  CENTURY 21 Sundance Realty is located in Volusia County with 3 office locations to better serve the public.  Daytona Beach, Ormond Beach and Ormond by the Sea.   midorimiller@yahoo.com (386) 453-3236

"The National Cancer Institutes federal budget was $4.6 billion - all the 12 major groups of pediatric cancer combined, received less than 3%."

Doesn't our children deserve more?  What about the future???????  Please sign the petition below and reblog the original post..and do what you can to make the moment count!