Bettys' Seven Principles CHARTER: I believe character is what builds a great life and business. Therefore, I am willing to do whatever it takes to align my behavior with our intentions. SERVICE: I believe a simple three-question test serves as the compass in all policy making: 1. From the customer's perspective, have I treated the customer with the utmost respect? 2. From the customer's perspective, have I exceeded his/her expectations? 3. From the company's perspective, is it the best long-term financial interest of the company? COMMITMENT: I believe people are seeking advice and counsel that best serve their lives. Therefore, I conduct myself as their consultant for life verses a salesperson for that transaction. RELATIONSHIPS: I believe the only genuine way communication can be given is when it comes from the heart. Therefore, as a real estate consultant I seek to communicate sincere caring for the people with whom I am consulting. This means I am willing to set aside my agendas for yours. VALUES: I believe that decision making is easy when our values are clear. Therefore, as a consultants I understand my values help my clients focus on theirs. I gain clarity and build the trust that is needed to take action. TRUST: I believe every person has a hierarchy of trust within every relationship. Therefore, to be trusted I have to extend myself available, by volunteering information, by sharing my personal experiences, and by making connections with the experiences and aspirations of my clients. I believe trusting other people encourages then to trust us; and distrusting others makes them lose confidence in me. GROWTH: I believe that learning is a life long process, not the acquisition of an idea. Therefore, as a real estate consultant I have come to understand that evolving my competence and my charter is a lifelong journey. I seek in others, and in myself, progress - not perfection.  I can handle the most complicated transaction. I work FULL-TIME at my profession. You can always reach me easily and can be assured of a quick, helpful response. You'd be hard pressured to find a REALTOR with a more enthusiastic or positive attitude. I love what I do and let it show. Having people trust me with their single largest asset is a responsibility I take very seriously. I will give you 110% because I know that my success is your satisfaction. While past results may not be the only measure of success when it comes to referring your friends and family, can you think of anything more reassuring to go by?
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Financing Your Home >ARMs
Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.
Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.
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Where can you find the world's largest residential palace?
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The Istana Nurul Iman, palace of the Sultan of Brunei, includes 2,152,782 square feet, 1,788 rooms, 257 bathrooms and a 110-car garage. |
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Ron Olson - Fiesta Ford (760) 772-8000 Ext. 749 "No Nonsense, No Obligation" approach to finding your next vehicle combined with an additional $100 Internet Savings. Contact Ron Olson! Find Out More > View All Affiliates >
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