Financing in 2009

Wow. I don't recall wanting a year to end as much as this one, well, maybe other than 2007. Looking at financing and credit markets in the first two quarters of 2009, I don't see anything "technical" that is going to be a bright spot, however, the touchy-feely vibe of a new administration may be the confidence booster that starts people from hoarding and recoiling. The plan to infuse cash into American's pockets, as predicted in previous postings, went straight into the mattress or into vital staples to sustain life; No extra cash for play things or speculation and driving consumer confidence to its lowest rating. 2009 just might bring some optimism to slightly counter-balance the tight markets. There are some great loan programs for loans in two tiers: $417,000 and under and 625,00 and under. The New Year will bring a New Look to www.PTRE.net, launching January 5th, 2009. Pat Townsley. 415-485-1776

Your 2009 Goal Setting Workshop

Make Goal Setting an ongoing process. Don't fall into the "New Year's Syndrome" and think out a couple of goals and then not look back at them until December 31st of the next year and say "oops, oh shoot." Any plan is better than no plan. A few quick reminders on Goal Setting:

1. Focus: Get into a space where you aren't interrupted.
2. Write them down: Writing gives you a road map to work on
3. Clarity: The more specific, the more achievable.
4. Present tense: Write them now, and "as if" they were achievable Now
5. Time based: Give them a reasonable timeline, but set a "do by" date
6. Personal: Write them in first person, as in "I will..." or "I am..."

Have personal, family, work, material wants and financial goals. Let your Goal Workshop flow. Put on some inspiring music, think of what you want, and put it on paper. You can edit and clean it up later. With your new goals defined, review them in every morning and every night before you go to bed. The conscious and superconsious minds work 24/7. Share some of your goals with friends who will hold you accountable to their achievement. Nothing like Pressure to keep you on track. You might not be honest with yourself, but you'll keep a commitment to a friend. As they say: No Pressure, No Diamonds. On the other hand, Biggie once said "Mo Money, Mo Problems." I'll help you with both. Pat Townsley. http://www.ptre.net/ 415-485-1776 pt@ptre.net

Mind over Money

Perhaps it's all a state of mind, and the mind is in the gutter right now. With each approaching New Year, we tend to find Optimism around January 1st. Hopefully it will be on a global level. These past few months, I'm guilt of watching the news, getting "brought down" and asking the wrong question; and you know what happens when you ask the wrong questions! I recommend avoiding the question "What else can go wrong?" at all cost. Even as a humorous thought to self, don't do it. It tends to get answered. Going into 2009, it's simply time to Ask the Right Questions; Ask empowering questions. As I continue looking for solutions and opportunities for my clients, I hope you look to me for your real estate financing solutions and referrals.
Thoughts become things; Choose the good ones! www.ptre.net Pat Townsley, Broker. 415-485-1776. pt@ptre.net