Mistakes

"It could be that the purpose of your life is only to serve as a warning to others." http://www.despair.com/

Brilliant. Need a mortgage lifeline? Pat Townsley, Broker. 415-485-1776. http://www.ptre.net/

US Bailout: Herding Cats

Wow. What times we have brought upon ourselves. Greed, complacency, stupidity, market timing. I've been saying it's going to be bad by Q4 2008, but I wouldn't have guessed this bad. So, who's left, and how are we as a country going to wrangle up these cats and survive financial disaster. This is all going to further decrease consumer spending, confidence, liquidity. Ahead we have increasing unemployment (or decreasing employment) and increasing interest rates. As long as the stock market holds, we might make it through...but it's going to really hurt. Time to gather your herd and stow ye'r gear. There's a storm coming. There are ways to secure your home financing. It starts with a call: Pat Townsley, Mortgage Rustler. 415-485-1776. http://www.ptre.net/

It's been said "If you think you can or if you think you can't, either way, you're right." All hands on deck and brace for impact; we're just at the beginning of this bank failure stuff, but, nobody listens. Pretty soon, we'll be so over-imprinted with headlines, information, conversations and media blasts that we'll just tune it out and become complacent(er)...if that's possible. For over a year, I've been screaming "Take Action Now"...and now what can you do? Your choices are narrowing, the lenders are tightening, the water is frightening. Mortgage Brokers still have the most flexible options by representing the remaining lenders on the Wholesale level. I happen to know a mortgage broker who can help you out! Pat Townsley, Broker. 415-485-1776. www.ptre.net

Exit, Stage Right...

Financial Freedom. What does it mean? Stop the world, I want to get off! If there is one word that will get you to the exit of freedom it is PLANNING. Lord knows I'm guilty as charged, buying high, selling low, bucking the odds, while at the same time I'm telling my clients to get into a Fixed Secure loan now. If you don't have a Certified Financial Planner, you should start shopping for one. Income must exceed Outflow. We've all be trapped in Parkinson's Law: Expenditures rise to meet Income. Debt is rampant. "Get out of debt" (John Cummuda) programs are nice in theory and applications only for a small few. At least they're a Plan. I recommend speaking with a Certified Financial Planner, one with experience under their belts. I've worked side by side with Bruce Frankel of Yerba Buena Financial Partners for the past 3+ years. He's approachable, won't sell you on anything, is of the highest degree of honesty and will give you clarity. CLARITY, being the second most important word toward you financial freedom. To fix your mortgage, contact Pat Townsley at California Mortgage Advisors, 415-485-1776. To fix your LIFE, contact Bruce Frankel at Yerba Buena Financial Partners, 415-334-8000.