OK. I think we are in a recession. I am no economist, but I am a consumer and a small business owner. I think folks have taken their money and gone home. At the very least they are warily looking about for the great deal, the highest and best use for their hard earned dollars. This is the good news.
According to Ben Stein, "in a recession in this era, more than 10 million men and womenwill need cars and trucks. Many millions will need new homes. ....even in a recession, there are plenty of people with money to spend." (Rethinking the Recession, January 17, 2008, Yahoo Finance)
He goes on to write," Those who tend to their work, who get to the office or showroom or shop early, stay late, work hard, stay on the phones dialing for deals ....will make money. Those who stay sharp and make a point of befriending their clients will make money. Yes, some extra effort will be needed, but it'll pay off."
Stein reminds us that that there are always going to be recessions and they always end. The economy is adjusting to "move onto a new plateau."
Listen to Stein and "Stay hungry. Work harder. Dig deeper. Keep investing....You'll come out all right on the other side."
Get to it!!!
Sunday, February 10, 2008
Saturday, February 2, 2008
Buyers are coming out of hibernation!
Maybe we are in a recession, or maybe not, but the showings a re picking up and the offers are coming in! With the Fed Rate at 3% and the inventory plentiful, buyers are CRAZY not to get out there and make their dollars go further!
The most recent report from MREIS indicated that prices have come down over the state. While one will not see the huge drops in value seen in the speculative markets of Florida, California, and Las Vegas, there are still good values out there. These values will not continue indefinitely!
2001 to 2002 saw a recession after the tragedies of 9/11. Within a year after, the housing market started to pick up and soared into the stratosphere. By 2005, the sky seemed to be the limit. With the slowdown of 2006 and 2007, it only makes sense that prices will begin to increase again. The analysts are predicting a bottoming out this year.
If you have a house with equity and want to buy up, now is a great time to take advantage of the opportunity. If you are a first time homebuyer, now is the time to get into the market. YOU will NOT be disappointed!
If you must sell for whatever reason, get yourself a professional REALTOR who knows the market and get priced competitively. Your house will sell!!
The most recent report from MREIS indicated that prices have come down over the state. While one will not see the huge drops in value seen in the speculative markets of Florida, California, and Las Vegas, there are still good values out there. These values will not continue indefinitely!
2001 to 2002 saw a recession after the tragedies of 9/11. Within a year after, the housing market started to pick up and soared into the stratosphere. By 2005, the sky seemed to be the limit. With the slowdown of 2006 and 2007, it only makes sense that prices will begin to increase again. The analysts are predicting a bottoming out this year.
If you have a house with equity and want to buy up, now is a great time to take advantage of the opportunity. If you are a first time homebuyer, now is the time to get into the market. YOU will NOT be disappointed!
If you must sell for whatever reason, get yourself a professional REALTOR who knows the market and get priced competitively. Your house will sell!!
Thursday, January 17, 2008
Mortgage Rates are LOW!
Did you know that today's mortgage rates are the LOWEST since the Summer of 2005??!! It is a terrific time to find out what you qualify for and take advantage of today's low FIXED rates.
Don Cohen, Downeast Mortgage
207-773-6161
Don Cohen, Downeast Mortgage
207-773-6161
Monday, January 7, 2008
Save on closing costs by choosing your title company.
Your title company may seem like the last step in the purchase of a new home or refinance. In reality your title company has been working along with your realtor and/or lender to produce that magical day where you refinance or buy your home. (And sign a 2 inch thick stack of paper work). It’s called the closing, escrow or settlement depending on your state.
The title company you choose performs three essential functions, the title search, issuing title insurance and the closing. The title search consists of reading the previous deeds and any other in documents recorded in your county’s offices regarding the property to determine if the seller does indeed have title to the property. A title company should be searching back at least 40 years in the registry of deeds to establish clear title.
Your title insurance company also issues title insurance. Title insurance is an insurance policy which protects the lender and the homeowner against loss resulting from any defects in the title or claims against a property that were not uncovered (or missed!) in the title search. These claims may result from liens on the property, claimed easements, forged documents, unrecorded “wild deeds” or the lack of proper authority to sign a document.
You will be required to purchase Lender’s title insurance which protects the lender. You will also have the option to purchase an owner’s policy of title insurance. It is a one-time fee that protects you as long as you own the property against claims to your title. Note, that a lender policy protects the lender only, not you. The only way for you to benefit from the title search that was performed is to purchase the owner’s title insurance.
The last service the title company you choose will perform is the closing. The closing is the day when you will go to the title company and sign all of the paperwork to purchase or refinance your house. The title company will coordinate the lender, the real estate brokers, the sellers, the buyers and any lawyers if they are involved. After the closing your title company will record the relevant documents and you can move into your new home.
I’ve used the phrase “title company you choose” a few times in this article. That’s because you should choose your title company and avoid being directed to one particular title company by your lender or realtor. You should be shopping for your title company just as you shopped for a realtor or shopped for an interest rate. State law guarantees you the right to choose your title insurance company and protects you from any increased fees for exercising this right. If you feel that you are being forced to use a particular title company, you should contact the attorney general.
All title companies are not created equal. They vary on the quality of service, price and the product they provide. Here are the questions you need to ask.
1. What is the price for the closing and what is the price for the title search? These are the fees for coordinating all of the parties involved in the closing and performing the title search at the registry of deeds. You should ask your title company to account for every charge that it is going to assess to you.
2. What is your overnight carrier fee? Title companies will have to overnight mortgage payoffs and all the documents you just signed at closing to the bank via an overnight carrier. This is an area where there are frequent “up-charges.” You shouldn’t pay any more than $15.00 for each overnight package.
3. How much will I pay for recording? Recording fees at the registry of deeds are the same in all 16 Maine counties. Generally the charge is $16.00 for the first page of a document and $2.00 for every page thereafter. On your settlement statement you will be able to note the amount you are being charged and at closing you will be able to count the pages of your deed and mortgage to make sure the amount is correct.
4. Will you close at my real estate sales agent’s office? It may be more convenient to close at your mortgage brokers’ office, your real estate sales agent’s office or even your home. Will the title company you are choosing close away from their office?
5. If I am not satisfied with your service will you refund my closing fee? The closing fee is payment for organizing and performing the closing. You as a buyer will most likely be paying the closing fee and if you are not satisfied with the service you received, ask for it back. Make sure your title company puts this guarantee in writing; don’t just accept their word on this.
6. How much is the title insurance premium? Different companies charge differing amounts for title insurance and you can request a quote ahead of time. You will be required to purchase a loan policy of title insurance to protect the lender and the owner policy is optional (but a very good idea).
7. Are there any other fees I will be paying directly to you? This is the catch-all question to hopefully identify any other miscellaneous charges that the title company may charge.
You should be shopping for a title company just as you shopped for interest rates and a great real estate sales agent. You can save hundreds of dollars (or more) and more importantly, you can choose a quality title company which will result in a smooth and problem free closing.
And lastly, buy the owner’s title insurance. It is optional so you could save a few hundred dollars by declining it. However, your home is your largest investment and just as you would not want to be without hazard insurance, you don’t want to be without title insurance. A recent survey by the by American Land Title Association found that there were title problems in one-third of all residential real estate transactions. An owner’s title insurance policy is your protection against a title error such as previously recorded liens or an outstanding ownership interest by prior owners in the chain of title. It is cheap protection for your most valued possession.
For More information contact Matthew J. McDonald
mjmcdonald@landam.com
Your title company may seem like the last step in the purchase of a new home or refinance. In reality your title company has been working along with your realtor and/or lender to produce that magical day where you refinance or buy your home. (And sign a 2 inch thick stack of paper work). It’s called the closing, escrow or settlement depending on your state.
The title company you choose performs three essential functions, the title search, issuing title insurance and the closing. The title search consists of reading the previous deeds and any other in documents recorded in your county’s offices regarding the property to determine if the seller does indeed have title to the property. A title company should be searching back at least 40 years in the registry of deeds to establish clear title.
Your title insurance company also issues title insurance. Title insurance is an insurance policy which protects the lender and the homeowner against loss resulting from any defects in the title or claims against a property that were not uncovered (or missed!) in the title search. These claims may result from liens on the property, claimed easements, forged documents, unrecorded “wild deeds” or the lack of proper authority to sign a document.
You will be required to purchase Lender’s title insurance which protects the lender. You will also have the option to purchase an owner’s policy of title insurance. It is a one-time fee that protects you as long as you own the property against claims to your title. Note, that a lender policy protects the lender only, not you. The only way for you to benefit from the title search that was performed is to purchase the owner’s title insurance.
The last service the title company you choose will perform is the closing. The closing is the day when you will go to the title company and sign all of the paperwork to purchase or refinance your house. The title company will coordinate the lender, the real estate brokers, the sellers, the buyers and any lawyers if they are involved. After the closing your title company will record the relevant documents and you can move into your new home.
I’ve used the phrase “title company you choose” a few times in this article. That’s because you should choose your title company and avoid being directed to one particular title company by your lender or realtor. You should be shopping for your title company just as you shopped for a realtor or shopped for an interest rate. State law guarantees you the right to choose your title insurance company and protects you from any increased fees for exercising this right. If you feel that you are being forced to use a particular title company, you should contact the attorney general.
All title companies are not created equal. They vary on the quality of service, price and the product they provide. Here are the questions you need to ask.
1. What is the price for the closing and what is the price for the title search? These are the fees for coordinating all of the parties involved in the closing and performing the title search at the registry of deeds. You should ask your title company to account for every charge that it is going to assess to you.
2. What is your overnight carrier fee? Title companies will have to overnight mortgage payoffs and all the documents you just signed at closing to the bank via an overnight carrier. This is an area where there are frequent “up-charges.” You shouldn’t pay any more than $15.00 for each overnight package.
3. How much will I pay for recording? Recording fees at the registry of deeds are the same in all 16 Maine counties. Generally the charge is $16.00 for the first page of a document and $2.00 for every page thereafter. On your settlement statement you will be able to note the amount you are being charged and at closing you will be able to count the pages of your deed and mortgage to make sure the amount is correct.
4. Will you close at my real estate sales agent’s office? It may be more convenient to close at your mortgage brokers’ office, your real estate sales agent’s office or even your home. Will the title company you are choosing close away from their office?
5. If I am not satisfied with your service will you refund my closing fee? The closing fee is payment for organizing and performing the closing. You as a buyer will most likely be paying the closing fee and if you are not satisfied with the service you received, ask for it back. Make sure your title company puts this guarantee in writing; don’t just accept their word on this.
6. How much is the title insurance premium? Different companies charge differing amounts for title insurance and you can request a quote ahead of time. You will be required to purchase a loan policy of title insurance to protect the lender and the owner policy is optional (but a very good idea).
7. Are there any other fees I will be paying directly to you? This is the catch-all question to hopefully identify any other miscellaneous charges that the title company may charge.
You should be shopping for a title company just as you shopped for interest rates and a great real estate sales agent. You can save hundreds of dollars (or more) and more importantly, you can choose a quality title company which will result in a smooth and problem free closing.
And lastly, buy the owner’s title insurance. It is optional so you could save a few hundred dollars by declining it. However, your home is your largest investment and just as you would not want to be without hazard insurance, you don’t want to be without title insurance. A recent survey by the by American Land Title Association found that there were title problems in one-third of all residential real estate transactions. An owner’s title insurance policy is your protection against a title error such as previously recorded liens or an outstanding ownership interest by prior owners in the chain of title. It is cheap protection for your most valued possession.
For More information contact Matthew J. McDonald
mjmcdonald@landam.com
Wednesday, January 2, 2008
First time homebuyers take note: if you qualify for the Maine State Housing program, you could receive a rate under 5% on a 30 year fixed mortgage loan!! Even if you do not qualify for this program, FHA fixed mortgage rates are as low as 6.25%!!
Sellers take note: work with a Realtor who understands the affordable loan programs that are available in today's market, thus assuring you the expertise needed to navigate through today's market.
There are many fixed rate programs available to help buyers BUY and sellers SELL.
D. Cohen, Downeast Mortgage
Sellers take note: work with a Realtor who understands the affordable loan programs that are available in today's market, thus assuring you the expertise needed to navigate through today's market.
There are many fixed rate programs available to help buyers BUY and sellers SELL.
D. Cohen, Downeast Mortgage
Saturday, December 29, 2007
The Local Paper is NUTS!!!!
I don't know about you, but I am tired of the gloom and doom surrounding stories of the economy and the housing market. I will repeat.....get out and buy!! There is great inventory and super mortgage rates! Even if you have a house to sell, if you have any equity now is the time to move up!!
Read the following story, courtesy of Inman news! Maine is definitely one market that has NOT crashed. Real estate continues to be great investment.
NAR economist underlines real estate's silver lining
Friday, December 21, 2007
By Bernice Ross Inman News
In all the years I've been writing this column, I have never received such an outpouring of response as I did from the two November articles on how media coverage of negative housing news is hurting our industry.
In spite of gloom and doom of recent news reports on the state of the nation's housing, there is plenty of good news, the most recent of which comes from the National Association of Realtors.
Laurence Yun, the chief economist for NAR, had plenty of positive news for Realtors at last month's conference. Yun attributed much of today's subprime mortgage problem to greed. Wall Street wanted the 10-12 percent return that subprime mortgages yielded as opposed to the smaller returns from more traditional mortgage products. His take on the Wall Street types: "They gambled. They lost."
Yun's outlook for 2008 sees a shift from greedy speculators to serious homeowners. 2008 will be a year of opportunity where there will be serious, healthy business. Furthermore, Yun predicted that the market returns to normal by 2009.
According to Yun, one of the biggest mistakes that reporters make is talking about national trends. Nationally, 2007 was the fifth best year ever on record. Home prices declined about 1.5 percent after a 50 percent run up in prices.
The challenge is that national numbers are pretty much irrelevant. Yun argues that talking about national averages is about as effective as having a national weather forecast. Like the weather, all real estate markets are local. In fact, you may have a buyer's market and a seller's market operating within a single market area based exclusively upon price point. Here are the other key pieces of positive news from Yun's economic report:
1. New housing starts: Even though these are dropping, there was too much building in recent years. The market is simply adjusting to normal supply-and-demand pressures. The inventory is "being controlled which makes stabilization occur more quickly."
2. Foreclosures: According to Yun, the 41 percent increase in foreclosures has resulted primarily from investor-heavy real estate purchases in Arizona, California, Florida and Nevada. The majority of these individuals are flippers whose investments did not payoff. More importantly, the number of foreclosures in Utah, New Mexico, North Carolina and South Carolina is actually declining.
3. Under-priced markets and superstar cities: Although the coastal markets are still overpriced, Middle America is under priced. Nevertheless, Yun cites a new trend termed, "superstar" cities. These cities will command premium prices, regardless of what the market does. There is so much wealth concentrated in these areas, that measurements are simply not predictive. In addition to London, Paris, Tokyo and New York, Yun also identified San Francisco, Miami and Seattle as potential new superstar cities.
4. The recovery has started: Other than the three states hit heavily by job losses in the automotive industry (Indiana, Michigan and Ohio), the states that first experienced a downturn in the Northeast, are now in recovery. Specifically, Connecticut, Massachusetts, New York and Rhode Island were the first to feel the slump and are now well into a recovery. Furthermore, there appears to be a pent-up demand for first-time buyer properties due to a large number of Gen Ys (born 1977 to 1994) that are now buying their first homes. Falling interest rates will motivate many of these buyers to step into the market now.
5. New jobs and corporate profits are still strong: Corporate profits are still strong with companies as diverse as Microsoft and Jack Daniels reporting close to record profits. Furthermore, the economy has generated 4 million net new jobs and wages are rising.
6. A weak dollar may harbinger more foreign investment in U.S. real estateAlthough the decline of the U.S. dollar will end up costing us more when we go overseas or purchase imports, it has resulted in more manufacturing jobs returning to the U.S. It also may mean more foreign investment in U.S. properties as well. Just a few years ago, the Canadian dollar was only worth 70 cents in U.S. currency. Today, the Canadian dollar has been hovering at about $1.05 to $1.10 U.S. What this means is that we can expect more Canadians and Europeans to be purchasing U.S. property, because our prices are approximately 50 percent cheaper than they were just three years ago.
7. Real estate: Still the best shelter: For those agents who represent reluctant first-time buyers, Yun points to some interesting research from the Federal Reserve. Between 1995 and 2004, the average renter accumulated $4,000 in wealth. In contrast, the average homeowner accumulated $184,400. Furthermore, the typical homeowner holds their property for six years. Within this period of time, NAR's research shows that approximately 97 percent of the homeowners will have a positive equity position after that period of time.
Bottom line: 2008 represents the best window that buyers will have to find excellent deals with excellent financing. Get the word out there. If they wait, prices and interest rates will be higher and the reluctant buyer may be forced out of the market.
Bernice Ross, national speaker and CEO of Realestatecoach.com, is the author of "Waging War on Real Estate's Discounters" and "Who's the Best Person to Sell My House?" Both are available online. She can be reached at bernice@realestatecoach.com or visit her blog at www.LuxuryClues.com.
***
What's your opinion? Send your Letter to the Editor to opinion@inman.com.
Copyright 2007 RealEstateCoach.com
Read the following story, courtesy of Inman news! Maine is definitely one market that has NOT crashed. Real estate continues to be great investment.
NAR economist underlines real estate's silver lining
Friday, December 21, 2007
By Bernice Ross Inman News
In all the years I've been writing this column, I have never received such an outpouring of response as I did from the two November articles on how media coverage of negative housing news is hurting our industry.
In spite of gloom and doom of recent news reports on the state of the nation's housing, there is plenty of good news, the most recent of which comes from the National Association of Realtors.
Laurence Yun, the chief economist for NAR, had plenty of positive news for Realtors at last month's conference. Yun attributed much of today's subprime mortgage problem to greed. Wall Street wanted the 10-12 percent return that subprime mortgages yielded as opposed to the smaller returns from more traditional mortgage products. His take on the Wall Street types: "They gambled. They lost."
Yun's outlook for 2008 sees a shift from greedy speculators to serious homeowners. 2008 will be a year of opportunity where there will be serious, healthy business. Furthermore, Yun predicted that the market returns to normal by 2009.
According to Yun, one of the biggest mistakes that reporters make is talking about national trends. Nationally, 2007 was the fifth best year ever on record. Home prices declined about 1.5 percent after a 50 percent run up in prices.
The challenge is that national numbers are pretty much irrelevant. Yun argues that talking about national averages is about as effective as having a national weather forecast. Like the weather, all real estate markets are local. In fact, you may have a buyer's market and a seller's market operating within a single market area based exclusively upon price point. Here are the other key pieces of positive news from Yun's economic report:
1. New housing starts: Even though these are dropping, there was too much building in recent years. The market is simply adjusting to normal supply-and-demand pressures. The inventory is "being controlled which makes stabilization occur more quickly."
2. Foreclosures: According to Yun, the 41 percent increase in foreclosures has resulted primarily from investor-heavy real estate purchases in Arizona, California, Florida and Nevada. The majority of these individuals are flippers whose investments did not payoff. More importantly, the number of foreclosures in Utah, New Mexico, North Carolina and South Carolina is actually declining.
3. Under-priced markets and superstar cities: Although the coastal markets are still overpriced, Middle America is under priced. Nevertheless, Yun cites a new trend termed, "superstar" cities. These cities will command premium prices, regardless of what the market does. There is so much wealth concentrated in these areas, that measurements are simply not predictive. In addition to London, Paris, Tokyo and New York, Yun also identified San Francisco, Miami and Seattle as potential new superstar cities.
4. The recovery has started: Other than the three states hit heavily by job losses in the automotive industry (Indiana, Michigan and Ohio), the states that first experienced a downturn in the Northeast, are now in recovery. Specifically, Connecticut, Massachusetts, New York and Rhode Island were the first to feel the slump and are now well into a recovery. Furthermore, there appears to be a pent-up demand for first-time buyer properties due to a large number of Gen Ys (born 1977 to 1994) that are now buying their first homes. Falling interest rates will motivate many of these buyers to step into the market now.
5. New jobs and corporate profits are still strong: Corporate profits are still strong with companies as diverse as Microsoft and Jack Daniels reporting close to record profits. Furthermore, the economy has generated 4 million net new jobs and wages are rising.
6. A weak dollar may harbinger more foreign investment in U.S. real estateAlthough the decline of the U.S. dollar will end up costing us more when we go overseas or purchase imports, it has resulted in more manufacturing jobs returning to the U.S. It also may mean more foreign investment in U.S. properties as well. Just a few years ago, the Canadian dollar was only worth 70 cents in U.S. currency. Today, the Canadian dollar has been hovering at about $1.05 to $1.10 U.S. What this means is that we can expect more Canadians and Europeans to be purchasing U.S. property, because our prices are approximately 50 percent cheaper than they were just three years ago.
7. Real estate: Still the best shelter: For those agents who represent reluctant first-time buyers, Yun points to some interesting research from the Federal Reserve. Between 1995 and 2004, the average renter accumulated $4,000 in wealth. In contrast, the average homeowner accumulated $184,400. Furthermore, the typical homeowner holds their property for six years. Within this period of time, NAR's research shows that approximately 97 percent of the homeowners will have a positive equity position after that period of time.
Bottom line: 2008 represents the best window that buyers will have to find excellent deals with excellent financing. Get the word out there. If they wait, prices and interest rates will be higher and the reluctant buyer may be forced out of the market.
Bernice Ross, national speaker and CEO of Realestatecoach.com, is the author of "Waging War on Real Estate's Discounters" and "Who's the Best Person to Sell My House?" Both are available online. She can be reached at bernice@realestatecoach.com or visit her blog at www.LuxuryClues.com.
***
What's your opinion? Send your Letter to the Editor to opinion@inman.com.
Copyright 2007 RealEstateCoach.com
Friday, December 21, 2007
The True Story of the $10 Bill - A Christmas Story
The other day I was entrusted with a beautiful $10 bill neatly wrapped with a brilliant red ribbon and the admonishment that I should go forth and "spend it forward". So, I tucked that beautiful $10 bill decked in a bright red ribbon into my wallet and sallied forth wondering where it should go and what I should do with it.
Trusting always that Spirit would let me know just the right place for this bill, I was wandering through Hannaford's tonight looking for this and that when what should appear in front of me, but a display of brown paper bags filled with all of the trimmings for a wonderful holiday meal. They have been there all Fall I am sure, as the sign mentioned that when one took the bag to a register, a meal would be charged to you that would be given to a family in need. The dates for this special were from sometime in November to December 22nd.The cost?? $10, of course. And to think I had never seen it before!
I picked up the bag with a heart full of glee that here indeed was the purpose for that $10 bill that had been entrusted to me. After my groceries had been rung up, I then placed the bag in front of the cashier and handed her the $10 bill brightly trimmed in red ribbon. She looked askance at me and the bill until I explained that I had been entrusted with this bill for this purpose and would she please accept the $10 bill shining brightly in its gorgeous red ribbon?
Well....she was quite taken with that $10 bill, and its red ribbon, and marveled at such a wonderful idea! The lady in back of me in line was so entranced by the idea that she, too, gave $10 for a Christmas meal for someone deserving. I left the store feeling very happy that this little $10 bill wrapped in brilliant and glowing red ribbon had not only fed one family, but influencedanother $10 bill to come out of hiding and feed someone, too. And just
in the nick of time! The program ends tomorrow!
Abundance is here, swirling all around us. All it takes is a gentle reminder, like that $10 bill in its beautiful, bright, and glowing red ribbon, to pay attention to the subtle signs that, indeed, we are blessed.
Merry Christmas and Happy Holidays to all of you!!! May you find the Spirit of the Season,
too! JCAT
Trusting always that Spirit would let me know just the right place for this bill, I was wandering through Hannaford's tonight looking for this and that when what should appear in front of me, but a display of brown paper bags filled with all of the trimmings for a wonderful holiday meal. They have been there all Fall I am sure, as the sign mentioned that when one took the bag to a register, a meal would be charged to you that would be given to a family in need. The dates for this special were from sometime in November to December 22nd.The cost?? $10, of course. And to think I had never seen it before!
I picked up the bag with a heart full of glee that here indeed was the purpose for that $10 bill that had been entrusted to me. After my groceries had been rung up, I then placed the bag in front of the cashier and handed her the $10 bill brightly trimmed in red ribbon. She looked askance at me and the bill until I explained that I had been entrusted with this bill for this purpose and would she please accept the $10 bill shining brightly in its gorgeous red ribbon?
Well....she was quite taken with that $10 bill, and its red ribbon, and marveled at such a wonderful idea! The lady in back of me in line was so entranced by the idea that she, too, gave $10 for a Christmas meal for someone deserving. I left the store feeling very happy that this little $10 bill wrapped in brilliant and glowing red ribbon had not only fed one family, but influencedanother $10 bill to come out of hiding and feed someone, too. And just
in the nick of time! The program ends tomorrow!
Abundance is here, swirling all around us. All it takes is a gentle reminder, like that $10 bill in its beautiful, bright, and glowing red ribbon, to pay attention to the subtle signs that, indeed, we are blessed.
Merry Christmas and Happy Holidays to all of you!!! May you find the Spirit of the Season,
too! JCAT
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