Foreclosure in Flower Mound & Lewisville

To View Foreclosures in your city - go to http://www.robertjrussell.com * Go to Texas Foreclosure Link on the left * Call Robert J Russell or any member of the We Did It Again Group Robert J Russell 972-679-9029 Hud Certified RE/MAX DFW Associates We Did It Again Group

Some people just understand life better

.....At the Seattle Special Olympics, nine contestants, all physically or mentally disabled, assembled at the starting line for the 100-yard dash. At the gun, they all started out, not exactly in a dash, but with a relish to run the race to the finish and win. All, that is, except one little boy who stumbled on the asphalt, tumbled over a couple of times, and began to cry. The other eight heard the boy cry. They slowed down and looked back. Then they all turned around and went back......every one of them. One girl with Down's Syndrome bent down and kissed him and said, "This will make it better." Then all nine locked arms and walked together to the finish line. Everyone in the stadium stood, the cheering went on for several minutes. People who were there are still telling the story... Why? Because we know deep down that one truth is eternal: What matters most in this life is more than winning for ourselves, what matters most in this life is helping others win, even if it means slowing down and changing our course. “We all have something to give. So if you know how to read, find someone who can’t. If you’ve got a hammer, find a nail. If you’re not hungry, not lonely, not in trouble – seek out someone who is.” This Thanksgiving, may we put aside the trappings of a life of self centeredness and self indulgence, and experience the true joy of serving one another! I pray for you a Safe and Wonderful Thanksgiving Holiday, building cherished memories and enjoying the precious moments spent with your loved ones.

Happy Thanksgiving

A Helping Hand In Builder Disputes

Here's an interesting article from Saturday's Washington Post. Note the contact information at the bottom for HUD's RESPA Office.

By Kenneth R. Harney
Saturday, November 18, 2006 ; F01

When home builders behave badly, some of their customers may have an unexpected resource: The federal government's "RESPA police," who say they have become increasingly active in resolving consumer complaints through nonpublic interventions with builders.

RESPA stands for the Real Estate Settlement Procedures Act, a consumer protection law that targets kickbacks and other settlement-related abuses. The RESPA police are investigators at the Department of Housing and Urban Development. They are best known for their splashy public settlement agreements with real estate, title insurance and mortgage industry firms, sometimes involving hundreds of thousands of dollars.

But with no public fanfare, the RESPA police have begun intervening in complaints brought by individual consumers who say builders are unfairly forcing them to use their affiliated mortgage companies. The affiliates' loan deals, the complaints say, typically are more costly than those available from independent mortgage brokers and lenders...

If you have a complaint involving high-pressure tactics designed to coerce you into using a builder's affiliate, you can call the RESPA enforcement staff at 202-708-0502. Alternatively, you can e-mail hsg-respa@hud.gov. For background on RESPA, visit http://www.hud.gov/.

To see the full article, click on http://www.washingtonpost.com/wp-dyn/content/article/2006/11/17/AR2006111700796_pf.html

 

Oxymoron !

1. Is it good if a vacuum really sucks?

2. Why is the third hand on the watch called the second hand?

3. If a word is misspelled in the dictionary, how would we ever know?

4. If Webster wrote the first dictionary, where did he find the words?

5. Why do we say something is out of whack? What is a whack?

6. Why does "slow down" and "slow up" mean the same thing?

7. Why does "fat chance" and "slim chance" mean the same thing?

8. Why do "tug" boats push their barges?

9. Why do we sing "Take me out to the ball game" when we are already there?

10. Why are they called "stands" when they are made for sitting?

11 Why is it called "after dark" when it really is "after light"?

12. Doesn't "expecting the unexpected" make the unexpected expected?

13. Why are a "wise man" and a "wise guy" opposites?

14. Why do "overlook" and "oversee" mean opposite things?

15. Why is "phonics" not spelled the way it sounds? !

16. If work is so terrific, why do they have to pay you to do it?

17. If all the world is a stage, where is the audience sitting?

18. If love is blind, why is lingerie so popular?

19. If you are cross-eyed and have dyslexia, can you read all right?

20. Why is bra singular and panties plural?

21. Why do you press harder on the buttons of a remote control when you know the batteries are dead?

22. Why do we put suits in garment bags and garments in a suitcase?

23. How come abbreviated is such a long word?

24. Why do we wash bath towels? Aren't we clean when we use them?

25. Why doesn't glue stick to the inside of the bottle?

26. Why do they call it a TV set when you only have one?

27. Christmas, what other time of the year do you sit in front of a dead tree and eat candy out of your socks?

Today's Motivational Tip

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You know your broke when.......

• 
  American Express calls and says, "Leave home without it!"
• Your idea of a 7-course meal is taking a deep breath outside a restaurant.
• You're formulating a plan to rob the food bank.
• You've rolled so many pennies, you've formed a psychic bond with Abe Lincoln.
• Long distance companies don't call you to switch anymore.
• You look at your roommate and see a large fried chicken in tennis shoes.
• You finally clean your house, hoping to find change.
• You think of a lottery ticket as an investment.
• Your bologna has no first name.
• You give blood everyday... just for the orange juice.
• Sally Struthers sends you food.
• McDonald's supplies you with all your kitchen condiments.
• On Thanksgiving your dad would bring home
  a picture of a thanksgiving meal.
• At communion you go back for seconds.
• You wash your toilet paper.
• You have to save up to be poor.
• You're in college.
• You are sterilizing your urine for reconsumption.
• Your imaginary friend has more money than you.
• You owe yourself money.
   
  

Thanks again,

 

Robert J Russell

We Did It Again Group

http://www.WeDidItAgainGroup.com

E-Commercial Click here

RE/MAX DFW - 972-679-9029

 

* Don't forget that you can win a Dinner for Two (2) to the Restaurant of your Choice - visit http://www.WhoDoYouKnowContest.com to enter.

 

Things to Think about

 

Did Adam and Eve have navels?

Did you ever notice when you blow in a dog's face he gets mad at you?

But when you take him in a car, he sticks his head out the window!

Do one legged ducks swim in circles?

Do atheists get insurance for acts of God?

Do vegetarians eat animal crackers?

Does anybody ever vanish with a trace?

How come Superman could stop bullets with his chest, but always ducked when someone threw a gun at him?

How come you press harder on a remote control when you know the battery is dead?

How does a shelf salesman keep his store from looking empty?

How fast do you have to go to keep up with the sun so you're never in darkness?

How is the handicapped parking situation handled at the Special Olympics?

How can the weather be hot as hell one day and cold as hell another?

If a mute child swears, does his mother make him wash his hands with soap?

If a synchronized swimmer drowns, does her partner also have to drown?

If a turtle doesn't have a shell, is he homeless or naked?

If all the world is a stage, where is the audience sitting?

If an orange is orange, why isn't a lime called a green or a lemon called a yellow?

If Fed Ex and UPS were to merge, would they call it Fed UP?

How many people thought of the Post-It note before it was invented but just didn't have anything to jot it down on?

If 7-11 is open 24 hours a day, 365 days a year, why are there locks on the doors?

If a chronic liar tells you he is a chronic liar do you believe him?

If sour cream is past its expiration date is it good then?

If a tree falls in the forest without anyone there, does it still make a sound? Do the other trees make fun of it?

If it's zero degrees outside today and it's supposed to be twice as cold tomorrow, how cold is it going to be?

If people from Poland are called Poles, why aren't people from Holland called Holes?

If pro is the opposite of con, is progress the opposite of congress?

If quitters never win, and winners never quit, who came up with, "Quit while you're ahead"?

If Superglue is so good why doesn't it stick to the inside of the tube?

If the folks at the psychic hotlines were really psychic, wouldn't they call you first?

If the plural of tooth is teeth, why isn't the plural of booth beeth?

If women ran the Pentagon, would missiles and submarines be shaped differently?

If you have a friend who works for the Psychic Friends Network, do you plan a surprise birthday party for them?

If you try to fail, and succeed, which have you done?

If a book about failures doesn't sell, is it a success?

If the "black box" survives every plane crash, why not make the entire plane out of that stuff?

If the universe is everything, and scientists say that the universe is expanding, what is it expanding into?

Instead of talking to your plants, if you yell at them would they still grow, only to be troubled and insecure?

Isn't it a little scary that a doctor's work is called practice?

Should crematoriums give discounts for burn victims?

Shouldn't it be called a "near hit" rather than a "near miss"?

There are 24 hours in a day, and 24 beers in a case. Coincidence?

What hair color do they put on the driver's license of a bald man?

What is a free gift? Aren't all gifts free?

When you choke a Smurf, what color does it turn?

Whose cruel idea was it for the word "lisp" to have an "s" in it?

Why is there an eject button on the VCR remote? Don't you have to get up to get to the tape?

Why are builders afraid to have a 13th floor but book publishers aren't afraid to have a Chapter 11?

Why are there flotation devices under plane seats instead of parachutes?

Why are there interstate highways in Hawaii?

Why do fat chance and slim chance mean the same thing?

Why do they call them "apartments" when they are all stuck together?

Why do we drive on parkways and park on driveways?

Why do we sing "Take me out to the ball game", when we are already there?

Why does "slow down" and "slow up" mean the same thing?

Why do we say things "go off" when they are actually turning on?

Why does flammable and inflammable mean the same thing?

Why don't you ever see baby crows or pigeons?

Why is it building "buildings", shouldn't they be called a "built" when completed?

Why is a person who plays the piano called a pianist, but a person who drives a race car not called a racist?

Why is it called "after dark", when it is really after light?

Why is lemon juice mostly artificial ingredients but dishwashing liquid contains real lemons?

Why is Mickey Mouse bigger than his dog Pluto?

Why is there only one commission that determines monopolies?

Why do banks charge you a "non-sufficient funds fee" on money they know you don't have?

What's another word for thesaurus? What's another word for synonym?

What is the speed of dark?

What do you do when you discover and an endangered animal that only eats endangered plants?

Why are there Braille signs on drive-up ATM's?

Why do they sterilize the needle for lethal injections?

Why do kamikaze pilots wear helmets?

 

To post your comments - submit to : wediditagaingroup.robertjrussell@blogger.com

E-Newsletter - Nov 2006

972.679.9029 http://www.robertjrussell.com/ Home sellers get creative as market cools Homes that sold in four weeks a year ago are sitting on the market twice as long. To sweeten the deal, sellers are offering everything from furniture, luxury cars, even the use of a private jet. See the Video Here November home-maintenance checklist Outside you'll need to check gutters and problem tree limbs. Indoors you'll want to tend to your large appliances and tackle overflowing closets. 10 ways to winterize your home -- now 14 winter-prep tips for your yard Do it yourself or hire a pro? November is a good month to move some maintenance efforts indoors. This month also provides an opportunity to see if your hard work during earlier months paid off -- nothing tests waterproofing efforts like a hard November rain. READ MORE Suggested Links: My Featured Listings Find your Dream Home Win Dinner for 2 ! Looking to buy a Home ? Are you looking for the perfect home ? We will be glad to show you houses that will fit your budget. Search the MLS Win $1000 ! Register to win our $1000 drawing. Simply go to our website, submit your name and you could be the next person to walk away with $1000 ! Winner will be picked on Nov. 30, 2006. Click Here to Enter Kids Favorite Websites yahooligans disney.com PBS Kids Discovery Kids * Now Hiring Buyers Agent for DFW area & Listing Agent for Tarrant County - Call today ! Countdown until Christmas ! Ever wonder how much time you really have to shop ? Check out this website to get a daily dose of how much time you really have until Christmas Day. How Many Days until Christmas Camera phone images appear on neighbours TV set A Finnish family had a shock recently when photos of their neighbour started appearing on their television one evening. A news program the family were watching suddenly went blank and then pictures of their neighbours started appearing on the TV instead. Confused, they went to the neighbour to see if they were aware of this apparently inexplicable phenomena. It transpired that the neighbours, the Lunna family were using a Nokia device to view photos taken on a camera phone on their TV. The Nokia Mediamaster digital TV receiver also allows owners to view photos taken with their camera phone on the TV screen, connecting the phone to the TV via a Bluetooth connection. However, it turned out that both houses had separately purchased the identical Mediamaster unit and placed them almost next to each other on different sides of the separating wall. Also, neither family had changed the default password on their box, so when the phone transmitted its photos, both TV units picked up the images and displayed them. Do you have a BLOG ? A blog is a website where entries are made in journal style and displayed in a reverse chronological order. Blogs often provide commentary or news on a particular subject, such as food, politics, or local news; some function as more personal online diaries. A typical blog combines text, images, and links to other blogs, web pages, and other media related to its topic. Most blogs are primarily textual although some focus on photographs (photoblog), videos (vlog), or audio (podcasting), and are part of a wider network of social media. The term "blog" is a contraction of "Web log." "Blog" can also be used as a verb, meaning to maintain or add content to a blog. Sample Blogs Example 1 Example 2 Check our new Blog - Advertise here free or make comments, suggestions etc. http://wediditagaingroup.blogspot.com/ Mortgage Market Watch 30-yr FRM 6.000 % 15 yr FRM 5.625 % 1 yr ARM 6.000 % How can Disaster Evacuees purchase a HUD home? A. To assist families displaced by Gulf Coast Hurricanes, for a 12-month period, HUD is offering properties for sale at a discount to (1) evacuees currently leasing homes from HUD and (2) other evacuees interested in purchasing HUD-owned homes located throughout the U.S. Purchasers who are qualified Disaster Evacuees from one of the Gulf Coast Hurricanes are eligible to participate in the Government Lottery Round program. Disaster Evacuee purchasers must meet the requirements stated by HUD which include verification from the Federal Emergency Management Agency (FEMA) of purchaser’s status as Hurricane Evacuee. The Disaster Evacuee’s FEMA Registration Number and either the Katrina, Rita or Wilma Disaster ID are required when submitting an intent to purchase. A HUD-registered real estate broker must submit intents to purchase on behalf of Disaster Evacuees. Properties available through this program can be located by selecting the Disaster Evacuee Bidder in the Search Properties page. Properties are available in the Lottery Round program for five (5) consecutive days. If your intent is randomly selected as the winner, you will have five (5) business days to present the original signed contract and all addenda to the address provided on your intent confirmation page. To find out more about this program Click Here Quote of the Month We are not retreating - we are advancing in another direction.Douglas MacArthur A lot can happen in two seconds. You learn to appreciate a second of time much more. You can say seven words in a second. Nick Park Fun Websites Movie Review Gift Ideas for Employees Wanna go Four Wheelin ? Thanksgiving Wreath ? Thanksgiving week events Today in History Thanksgiving Day Parade Schedule Trivia Questions Who was Mallory Keaton's fiance? Which one of the A Team was a Pilot? What is the name of the cat in the smurfs? What's the connection between Benson & Growing Pains? Who was the leader of the good Transformers? What was the name of the dog in Fraggle Rock? What was the name of Punky Brewster's dog? What was Angela's son's name in Who's the Boss? What was Michael Jackson advertising when he was nearly killed? What was ALF's girlfriend from Melmac's name? Click Here for Answers Want to know what your home is worth? Click Here November Birthday's Happy Birthday: Susan Cornue - Nov 2 Cara Tanaka - Nov 5 Mary Holder - Nov 7 Karole Requilman - Nov 13 Susan Laukoter - Nov 14 Robert Cook - Nov 14 Faith Bleeker - Nov 16 Chris Aigner - Nov 16 Ramona Belanger - Nov 19 John Hagler - Nov 19 Alan Atwood - Nov 20 Reid Russell - Nov 26 Let us know when your birthday is...... Register Here * Year of birth is optional Your Name may be For Sale ! FACT - Someone can buy your name - otherwise known as a Domain Name, set up a website and there is nothing you can do about it. Stop it before it happens to you - simply CLICK HERE November Recipe of the Month PUMPKIN CAKE 1 - 16oz can pumpkin1 - 12 oz can evaporated milk1 - 1/2 cups granulated sugar3 - eggs1/2 tsp. salt2 tsp. cinnamon1 tsp. nutmeg1 1/2 tsps.ginger1 cup pecan pieces2 sticks butter1 box yellow cake mix Mix pumpkin, milk, sugar, eggs, salt and spices in a bowl and pour into a 9x13 greased cake pan. Sprinkle yellow cake mix on top and pat it down.Sprinkle nuts over the top,melt butter and drizzle that over the top.Bake at 350°F for 45-60 mins. Who Do You Know Contest ? Ever thought you could win a dinner for 2 to the Restaurant of your choice ? That's right - all you have enter the name(s)of people that you know who may be buying or selling a house in the next 6 months. Meet our staff Robert J Russell - REALTOR 972.679.9029 Direct * Residential, Pre-Owned & New Construction. Mitch Gray - REALTOR Buyers Specialist 214.621.0517 * Residential, Pre-Owned & New Construction Julie Whitby - REALTOR Buyers Specialist 214-213-9750 * Commercial, Residential Pre-Owned & New Contruction Homes Russell Thomae - REALTOR Listing Specialist - 214-682-3655 * Residential, Pre-Owned & New Construction Jacki Shields - REALTOR Licensed Loan Officer Transaction Coordinator 972.355.3590 * Residential Transactions from Contract to Close Click Here For Our Commercial ! Robert J Russell - 972.679.9029 We Did It Again Report November 2006 If you have any suggestions, comments or know of someone who might want a copy - let us know - http://us.f586.mail.yahoo.com/ym/Compose?To=info@robertjrussell.com