Oh no she didn't!
Today I (Sheliza) went to volunteer at my older daughter's school. My task of the day was "book collection". The object of the task was, well... to collect books. Not too bad I thought. I also had to deliver some books to classrooms and I heard the dreaded sound... the school bell. Within a matter of seconds, the hallways were overrun with mobs of students. I was with a couple other moms at the time. We carefully stood on the side to clear ourselves from getting run over. There was a nice girl that I have seen many times (at the carpool pickup line) and she was standing behind me. She does not know me but I am sure she was aware that I was an adult. All of a sudden she starts spewing four letter words about the book cart being in the way. My mouth as well as the other moms' mouths dropped in disbelief. I am not living under a rock someplace that I do not face the facts that kids use curse words, but this time I was shocked that they were blatantly being used in front of adults willingly without a care in the world. Later that day my husband accompanied me to go pick the girls up from school. I was back at the middle school once again. There were two girls walking right by our car and they said the 'F' word at least 3 times and even looked at us in our faces! Girls are so much bolder than boys, it's unbelievable! My husband was so outraged. He immediately told both daughters that if he ever heard another parent say that they heard his child cursing in front of adults, they better be prepared to fight. I let the girls know that they would also need to be prepared to lose the fight! When we were kids, we thought we were big and bad if we said 'hell', but we definitely knew better than to say it in front of a grown up! Too bad things aren't that way anymore. Apparently the word 'respect' has been pulled from the dictionary. Very pathetic.
From Kinky to Straight
Here are some amazing before and after shots of my girls' hair. I used the Chi straightening iron and this was the result! The actual straighting tool cost me $130, but overall was a good investment. They both have the thickest, curliest hair that is so hard to manage. Relaxers are too harsh and expensive so it was highly recommended that I get the Chi iron. I would definitely recommend it to others as well.
The crazy expression comes from their dad's (aka "bad boy") side of the family!
Free Money Contest Update
I just wanted to clear up a few things that some of our awesome readers were uncertain about. In order to be eligible for your name to go in the drawing to win the cool prize, you must comment on any post on the blog. We will be counting comments from May 14-31, 2007. The more you post comments, the more chances you have to win... It's just that easy! If you are lucky enough to win, the photo that will be posted is one of your choice. I will keep my husband away, I promise! Oh yeah, speaking of my husband...he wants any of the "fellas" that want a photo posted on his "Bad Boys Club" section to feel free to email one (family friendly please!) and become a lifetime member. Gosh, that was so corny! :) Send us your comments and good luck!!
Want FREE money?
Hello to all of our wonderful Momfiles readers! Momfiles is currently holding its first contest for a chance to win a $25 gift/debit card! All you have to do to enter is to post a comment (as often as you wish) on posts dated May 14, 2007 until May 31, 2007. Your name will go into the pot for each comment submitted and the winner will be announced on June 1, 2007. The winner will be notified via email and will be required to submit a photo (to be posted on Momfiles). To find out more click here. Be sure to read the rules at the bottom of the page. Good Luck and we look forward to hearing from you!
Poem- Happy Mothers Day
Happy Mothers Day to You,
Happy Mothers Day to You,
We are so proud of You,
for doing all that You do.
Happy Mothers Day to You,
Happy Mothers Day to You,You are the one who delivers life,
You are the one who takes care of running noses
late at night,
You are the one who knows when something
is not right,
Yet, You are the one whose hug can make
everything alright.
Happy Mothers Day to You,
Happy Mothers Day to You,
The world could not exist without You,
It may not be said every day,
but we all Love You,
and we love You everyday.
Momfiles- Flip That Foreclosure
Moms and Dads Real Estate Investors trying to Profit from Foreclosures! Stage one, the delinquency phase is the time to structure a deal.
Coming across a homeowner willing to liquidate the property at this stage is priceless. I say this for 2 specific reasons...
(1) Partnership: There's a lot of external pressure on the homeowner(s) at this time. The home loan lender is calling, and most likely so are other creditors. The environment in the home is very challenging for everyone. If you are in a position to bring a "SOLUTION" to the homeowners problems. You place yourself in a very favorable position. Always remember "foreclosure is an emotional process" to deal with from a homeowners perspective. Partnering with the homeowner(s) to solve their problem is where you want to be. As a partner you are someone they can trust, someone who is honest in their dealings, compassionate, and professional. The best win/ win deals are created here in my opinion. Having worked to structure many foreclosure purchases for my investor clients, I have seen the stage one strategy work many of times. This is the best way to ensure you get the deal.
(2) Lack of Competition. When a person is trying to Profit from Foreclosures! Speed is very important. I remember back in 1997, the ultimate deal that got away from me because of my fear of moving forward. I was so afraid that I would make a mistake that I literally made the mistake of taking my time. I read a quote once that says " you can't steal second base in slow motion". After losing my deal, believe me I understood that quote very well. I often drive past that home on Oakland Avenue just to remind myself of what non-action can do. Anyways, when you deal in stage one, the delinquency phase, you do not face much competition from fellow investors. Trust me in Foreclosure Deals there is no honor amongst investors, each man or woman for themselves. I am not writing from a fairy tale story. I am writing from in the trenches. I have counted money that was taken at the last moment by some slick talking investor who got a tip that the house I was working on was in play. This is in the trenches talk. Oops, I am rambling again- sorry.
When you have a homeowner partnering with you. They are more likely working with just you. They may have gotten your information from a trusted friend of theirs. However, when stage two comes into play. The flood gates open and your homeowner will have more investors coming at them, like an A rated celebrity has paparazzi on Oscar night, and everyone wants to get that one perfect shot.
Your homeowner will begin to get mail solicitations, phone solicitations, and investors just showing up at the door. Remember "foreclosure is an emotional process", and with your homeowner meeting all these new investors with their solutions. Well, let's just say, you begin to move down the totem pole. With each new investor singing to the choir, your homeowner starts to hesitate on moving forward with your deal even if it is the best solution. Do not take this personal. The homeowner is only seeking what they perceive to be the best "SOLUTION" for them.
Now can you understand why I say stage one is the best stage to create win/ win solutions? So go for it, and remember "You can't steal second base in slow motion".
Coming across a homeowner willing to liquidate the property at this stage is priceless. I say this for 2 specific reasons...
(1) Partnership: There's a lot of external pressure on the homeowner(s) at this time. The home loan lender is calling, and most likely so are other creditors. The environment in the home is very challenging for everyone. If you are in a position to bring a "SOLUTION" to the homeowners problems. You place yourself in a very favorable position. Always remember "foreclosure is an emotional process" to deal with from a homeowners perspective. Partnering with the homeowner(s) to solve their problem is where you want to be. As a partner you are someone they can trust, someone who is honest in their dealings, compassionate, and professional. The best win/ win deals are created here in my opinion. Having worked to structure many foreclosure purchases for my investor clients, I have seen the stage one strategy work many of times. This is the best way to ensure you get the deal.
(2) Lack of Competition. When a person is trying to Profit from Foreclosures! Speed is very important. I remember back in 1997, the ultimate deal that got away from me because of my fear of moving forward. I was so afraid that I would make a mistake that I literally made the mistake of taking my time. I read a quote once that says " you can't steal second base in slow motion". After losing my deal, believe me I understood that quote very well. I often drive past that home on Oakland Avenue just to remind myself of what non-action can do. Anyways, when you deal in stage one, the delinquency phase, you do not face much competition from fellow investors. Trust me in Foreclosure Deals there is no honor amongst investors, each man or woman for themselves. I am not writing from a fairy tale story. I am writing from in the trenches. I have counted money that was taken at the last moment by some slick talking investor who got a tip that the house I was working on was in play. This is in the trenches talk. Oops, I am rambling again- sorry.
When you have a homeowner partnering with you. They are more likely working with just you. They may have gotten your information from a trusted friend of theirs. However, when stage two comes into play. The flood gates open and your homeowner will have more investors coming at them, like an A rated celebrity has paparazzi on Oscar night, and everyone wants to get that one perfect shot.
Your homeowner will begin to get mail solicitations, phone solicitations, and investors just showing up at the door. Remember "foreclosure is an emotional process", and with your homeowner meeting all these new investors with their solutions. Well, let's just say, you begin to move down the totem pole. With each new investor singing to the choir, your homeowner starts to hesitate on moving forward with your deal even if it is the best solution. Do not take this personal. The homeowner is only seeking what they perceive to be the best "SOLUTION" for them.
Now can you understand why I say stage one is the best stage to create win/ win solutions? So go for it, and remember "You can't steal second base in slow motion".
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