Forum Replies Created
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AuthorPosts
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Raybyrnes
ParticipantHLS
“Shopping for a rate is exactly what gets you into this mess.
Until you know what you actually qualify for, you will be fooled by the best liar.”
Have to say that I am in total agreement on this. A person can tell uyou anything you want to hear. Rate is 5% on 30 year fixed are we “closing in the next hour”. No. Okay then we will ahve to see where the creditmarkets are at on that day.
I remember when I worked in Fleet sales that there would be a number of Manufacturers rebates that came up after I ahd signed orders. At that point I had a decision to make I could call the client and inform them of the good luck or pocket the difference.
I had the luxury of working for a company that was focused on the customer so I didn’t catch heat for calling my customer and making them aware of the reduction. I knew that over the long haul that would realize my intention was to build and long and last relationship. If they didn’t recognise my value then I wanted to drop their busienss.
I would think that the mortgage business will present similar oppotunities for a mortgage professional. Many will pocket the difference. The better ones who seek long term business and referrals will inform the borrower and will still make a good living for themselves with repeat business.
ParticipantHLS
“Shopping for a rate is exactly what gets you into this mess.
Until you know what you actually qualify for, you will be fooled by the best liar.”
Have to say that I am in total agreement on this. A person can tell uyou anything you want to hear. Rate is 5% on 30 year fixed are we “closing in the next hour”. No. Okay then we will ahve to see where the creditmarkets are at on that day.
I remember when I worked in Fleet sales that there would be a number of Manufacturers rebates that came up after I ahd signed orders. At that point I had a decision to make I could call the client and inform them of the good luck or pocket the difference.
I had the luxury of working for a company that was focused on the customer so I didn’t catch heat for calling my customer and making them aware of the reduction. I knew that over the long haul that would realize my intention was to build and long and last relationship. If they didn’t recognise my value then I wanted to drop their busienss.
I would think that the mortgage business will present similar oppotunities for a mortgage professional. Many will pocket the difference. The better ones who seek long term business and referrals will inform the borrower and will still make a good living for themselves with repeat business.
ParticipantHLS
“Shopping for a rate is exactly what gets you into this mess.
Until you know what you actually qualify for, you will be fooled by the best liar.”
Have to say that I am in total agreement on this. A person can tell uyou anything you want to hear. Rate is 5% on 30 year fixed are we “closing in the next hour”. No. Okay then we will ahve to see where the creditmarkets are at on that day.
I remember when I worked in Fleet sales that there would be a number of Manufacturers rebates that came up after I ahd signed orders. At that point I had a decision to make I could call the client and inform them of the good luck or pocket the difference.
I had the luxury of working for a company that was focused on the customer so I didn’t catch heat for calling my customer and making them aware of the reduction. I knew that over the long haul that would realize my intention was to build and long and last relationship. If they didn’t recognise my value then I wanted to drop their busienss.
I would think that the mortgage business will present similar oppotunities for a mortgage professional. Many will pocket the difference. The better ones who seek long term business and referrals will inform the borrower and will still make a good living for themselves with repeat business.
ParticipantHLS
“Shopping for a rate is exactly what gets you into this mess.
Until you know what you actually qualify for, you will be fooled by the best liar.”
Have to say that I am in total agreement on this. A person can tell uyou anything you want to hear. Rate is 5% on 30 year fixed are we “closing in the next hour”. No. Okay then we will ahve to see where the creditmarkets are at on that day.
I remember when I worked in Fleet sales that there would be a number of Manufacturers rebates that came up after I ahd signed orders. At that point I had a decision to make I could call the client and inform them of the good luck or pocket the difference.
I had the luxury of working for a company that was focused on the customer so I didn’t catch heat for calling my customer and making them aware of the reduction. I knew that over the long haul that would realize my intention was to build and long and last relationship. If they didn’t recognise my value then I wanted to drop their busienss.
I would think that the mortgage business will present similar oppotunities for a mortgage professional. Many will pocket the difference. The better ones who seek long term business and referrals will inform the borrower and will still make a good living for themselves with repeat business.
ParticipantHas it ever been considered that we were underpaying for services. I’m throwing it out there becasue of wehre I come from (New York). Go to Jones beach or any park in New York and you are paying an arma nad a leg for parking. Drive on the major interstates and you are paying for tolls. I want to pay as little on taxes as I can but I realize that just becaeu you pay more doesn’t necessarily mean that you are not getting what you pay for. You might have been just getting a better deal on it before.
PS
I say this after taking a Friday off to sepand with my son and to my dismay The Public Library does not open until 12 on Friday. It was a little frustrating to have a 3 year old asking why he can’t get his pirate books.
ParticipantHas it ever been considered that we were underpaying for services. I’m throwing it out there becasue of wehre I come from (New York). Go to Jones beach or any park in New York and you are paying an arma nad a leg for parking. Drive on the major interstates and you are paying for tolls. I want to pay as little on taxes as I can but I realize that just becaeu you pay more doesn’t necessarily mean that you are not getting what you pay for. You might have been just getting a better deal on it before.
PS
I say this after taking a Friday off to sepand with my son and to my dismay The Public Library does not open until 12 on Friday. It was a little frustrating to have a 3 year old asking why he can’t get his pirate books.
ParticipantHas it ever been considered that we were underpaying for services. I’m throwing it out there becasue of wehre I come from (New York). Go to Jones beach or any park in New York and you are paying an arma nad a leg for parking. Drive on the major interstates and you are paying for tolls. I want to pay as little on taxes as I can but I realize that just becaeu you pay more doesn’t necessarily mean that you are not getting what you pay for. You might have been just getting a better deal on it before.
PS
I say this after taking a Friday off to sepand with my son and to my dismay The Public Library does not open until 12 on Friday. It was a little frustrating to have a 3 year old asking why he can’t get his pirate books.
ParticipantHas it ever been considered that we were underpaying for services. I’m throwing it out there becasue of wehre I come from (New York). Go to Jones beach or any park in New York and you are paying an arma nad a leg for parking. Drive on the major interstates and you are paying for tolls. I want to pay as little on taxes as I can but I realize that just becaeu you pay more doesn’t necessarily mean that you are not getting what you pay for. You might have been just getting a better deal on it before.
PS
I say this after taking a Friday off to sepand with my son and to my dismay The Public Library does not open until 12 on Friday. It was a little frustrating to have a 3 year old asking why he can’t get his pirate books.
ParticipantHas it ever been considered that we were underpaying for services. I’m throwing it out there becasue of wehre I come from (New York). Go to Jones beach or any park in New York and you are paying an arma nad a leg for parking. Drive on the major interstates and you are paying for tolls. I want to pay as little on taxes as I can but I realize that just becaeu you pay more doesn’t necessarily mean that you are not getting what you pay for. You might have been just getting a better deal on it before.
PS
I say this after taking a Friday off to sepand with my son and to my dismay The Public Library does not open until 12 on Friday. It was a little frustrating to have a 3 year old asking why he can’t get his pirate books.
ParticipantQuick look at the funds with symbols and pretty average 401k.
With this type of scenario teh interenational fudn might be the best of the bunch so you invest up to the max in that particular fund. Then you open up a Roth IRa to counterbalance your international exposure with some form of no load index mutual fund. Set the IRA up as an automated investment program that. If you find that you are not buying adn have some additonal cash flow you can alway look to increase the funding percentage on the 401K.
ParticipantQuick look at the funds with symbols and pretty average 401k.
With this type of scenario teh interenational fudn might be the best of the bunch so you invest up to the max in that particular fund. Then you open up a Roth IRa to counterbalance your international exposure with some form of no load index mutual fund. Set the IRA up as an automated investment program that. If you find that you are not buying adn have some additonal cash flow you can alway look to increase the funding percentage on the 401K.
ParticipantQuick look at the funds with symbols and pretty average 401k.
With this type of scenario teh interenational fudn might be the best of the bunch so you invest up to the max in that particular fund. Then you open up a Roth IRa to counterbalance your international exposure with some form of no load index mutual fund. Set the IRA up as an automated investment program that. If you find that you are not buying adn have some additonal cash flow you can alway look to increase the funding percentage on the 401K.
ParticipantQuick look at the funds with symbols and pretty average 401k.
With this type of scenario teh interenational fudn might be the best of the bunch so you invest up to the max in that particular fund. Then you open up a Roth IRa to counterbalance your international exposure with some form of no load index mutual fund. Set the IRA up as an automated investment program that. If you find that you are not buying adn have some additonal cash flow you can alway look to increase the funding percentage on the 401K.
ParticipantQuick look at the funds with symbols and pretty average 401k.
With this type of scenario teh interenational fudn might be the best of the bunch so you invest up to the max in that particular fund. Then you open up a Roth IRa to counterbalance your international exposure with some form of no load index mutual fund. Set the IRA up as an automated investment program that. If you find that you are not buying adn have some additonal cash flow you can alway look to increase the funding percentage on the 401K.
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