Tax Credit Deadline Approaching - No fooling!

No fooling around, the tax credit for home purchases is approaching fast!!

Home buyers will qualify for the tax credit until April 30, 2010* (as long as they have entered a binding contract), and have an additional 2 months (until June 30, 2010*) to close the transaction. Borrower income limits have been increased to $125,000 for individuals and $225,000 for couples (up from $75,000 and $150,000 respectively under the current program). The legislation includes a tax credit not exceeding $6,500 for move up buyers who have owned their current homes for at least 5 years.

If you are considering a move and buying a new home, NOW is the time to act. Not only for first time buyers but for buyers wanting to downsize, or up size who have owned their homes for 5 years or more, you qualify for some credit as well!

Interest rates have been staying stable and are still at record lows!!! There are still no downpayment loans available thru VA loans. Contact us to see how you may qualify!

You probably know someone who has been hurt greatly by the economic times. The InSight Team's heart is to help point you towards the right product for your home financing. One that even with economic uncertainity, you can have peace.

For an Honest Approach to Home Financing, please give us a call at 816-510-1399 or visit us at www.wantinsight.com

Michele "MAC". A Cole
Business Development
Jewel Callahan
Mortgage Consultant
www.wantinsight.com

Want an Honest Approach to Home Financing? Tips from a follower of Jesus striving to be authentic with my faith!

77% of Americans would call themselves a Christian. Have you heard the phrase, Beware of the Fish? People today are hungry for authentic Christianity. They want to see the real deal? God is also seeking people who are “completely” His.

His Word says in 2 Chron 16:9 - For the eyes of the Lord search to and fro throughout the earth that He may strongly support those whose heart is completely His. What this says to me is that God is looking for people He can strongly support. He looks at our heart. When God looks at your heart, what does He see? Does He see a heart that is fully His?

What does a heart look like that is fully His?

- Its when we surrender our will to the will of the Father. We have to die to self, forego our agenda and seek God’s instead. Matthew 6:33 says Seek Ye the Kingdom of God first and His righteousness and all things will be added unto you.

- It’s a love relationship with the Lord Jesus Christ? The only way to fall in love with our Creator is to spend time in His word daily. Get to know Him. The Word says we are friends of God. When you get together with your friends, do you do all the talking and never find out what your friend has to say? Ask God to speak to you. He has good plans for us but we won’t know what those are if we don’t spend quality time with Him.

Christ is in us and the Holy Spirit helps us to apply God’s Word in our walk with Him. He promises us to never give us more than we can handle and He says we can do all things in Christ Jesus who gives us strength.

- It’s about trusting God and being obedient to His word no matter what the circumstances. Not giving in to temptation or fear, but believing God’s word is true. In Phillipians 4:19, it says God will supply all of your needs according to His riches in glory by Christ Jesus. The Lord had me do a word study on some of the words in this verse – and here’s what I got when I add the additional meanings:

- God shall, intends to, plans to, expects to, is determined to, definitely will and is obliged to supply, to furnish, to provide, to satisfy all, totally, entirely, all kinds, beyond all doubt, your needs, or lack of something, wanted or necessary, a requirement, an obligation you have and a longing or desire according to His riches in glory by Christ Jesus! Doesn’t that just give you more confidence that God is sovereign and is in control (if you let him) and that “whatever” your needs are, He will provide them.

- It’s about loving your neighbor as yourself. It’s about speaking a word of encouragement or giving to someone in need. Everywhere we go, there are people hurting, people in need. What has God given you that you can give away to someone in need? It can be money, time, a listening ear? Just be open to being used.

All believers are called to be an agent of the Kingdom of God and to carry the mission of God wherever we go. The more we become like Christ, the more we will be used this way.

If you are interested in this and want to learn how you can walk this out in your workplace, email me! I'd love to hear from you.

Jewel and I focus on providing home mortgages with a lender you can trust! We are committed to do the right thing for YOU. We strive to walk out our Christianity the way God would want us. We aren't perfect but we try to improve where we lack!

Bless you!

Michele "MAC" A. Cole
michele@wantinsight.com
The InSight Team
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com

Do You Believe God Can Heal today???

Where to begin? Several years ago, the Lord showed me that the healing we saw in the bible is real today, that He still performs miracles. Some lady I didn't even know, at that time, approached me and told me she had a dream about me. I was kind of startled and thought she must of been talking with someone else behind me? I looked around and there was no one there. She told me the dream was about God giving me the gift of healing and that I would pray for folks and see healing actually happen. I didn't know much about the "gift of healing" at that point but God put people in front of me that could teach me.. and what I learned was to just listen to God still small voice and hear what and who He wanted to touch. His desire is to heal, His desire is that no one suffer. He loves us all and He uses those who are willing vessels to bring healing to others. Do you want to be healed?

A couple of years ago, I met Lee and Doris Harms. They came to our church during a conference and had a breakout session on Healing. I saw many who were healed just by simple prayer and two humble vessels. My husband and I went out to where they practice their healing ministry and my husbands back pain was healed that night. Below is more information about them and I highly recommend you visiting them sometime. Just believe! Nothing is impossible with God!

Heartland Healing Rooms provide prayer ministry to those physically or emotionally ill who seek a touch from the living, loving Lord Jesus Christ. Ministry is conducted by a small team of two or three trained persons who minister to the sick under the anointing of the Holy Spirit. Heartland Healing Rooms is under the direction of Doris and Lee Harms who have over 30 years experience, national and international, in ministering healing and deliverance. Heartland Healing Rooms are open each Tuesday evening from 7 until 8:30 at 401 NE Chipman Road (use the north entrance of Christ Triumphant Church) in Lee's Summit. An appointment is not needed and the prayer ministry is free of charge. Donations are accepted and are tax deductible. The healing rooms have been operating since 2002 and have many recorded testimonies including A couple of testimonies given below.

Michael – I came to prayer with a headache; I have had them daily for at least one year. The headache is now gone (after prayer). The team also prayed for my back. I feel like something happened there and my arms feel very relaxed, almost like rubber. Thank you, Lord and team.

Linda – I received prayer for my back; I was in the habit of getting it adjusted about once a week to relieve the pain. After prayer I did not get an adjustment for a couple of months. Since I hadn’t been in for awhile, I decided to go back to my chiropractor. I was told I was fine and didn’t need an adjustment.

Matt – This young man got into an altercation while defending a friend; the result was a fracture in his hand and a very large separation from the wrist and lower arm. His mother coaxed him into coming in for prayer; today she writes: “We went to the hospital downtown today to see if Matt needed surgery, and after 3 x-rays, she said all Matt had was a sprain. What stress relieving news!” 12-3-09

12 yr old – His mother brought him to the healing rooms for ministry as he had been having problems with fear. During ministry, he had a vision of a spirit in his closet at home that was screaming and being pulled down to hell. He felt something get pulled off of him. His mother tells us, “my son feels and acts like he used to.” PTL. 4-22-09

Jeff – He called to say that he had been freed from his asthma for several months. After prayer at the healing rooms he was able to discontinue his medication and did not need to use his inhaler. 4-28-09

If you are wanting a healing touch from the Lord, I encourage you to visit the Heartland Healing Rooms.

I would also like to pray for you, please email me at michele@wantinsight.com.

Humility

This is a post from Vern Cushberry of Cush Capital Management LLC. More information about him at the bottom of this post.

I met with Vern a few weeks ago as we continue to run into each other at different venues. All of the venues were places that we could grow deeper in our faith with the Lord and network with individuals who have God at the forefront of their lives, their business and their relationships. Vern shared with me an article from his last newsletter and it hit home. I have been reading and meditating on a book, "Humility", by Andrew Murray. So when I saw this article in his newsletter, I asked him I could reprint it for my readers. Of course, he said yes and here it is for you.

"I’d like to share a beautiful prayer written by Rafael Cardinal Merry del Val (1865-1930), Cardinal Secretary of State of the Holy See under Pope Saint Pius X.

Litany of Humility
O Jesus! meek and humble of heart, hear me.
From the desire of being esteemed, deliver me,
From the desire of being loved, deliver me,
From the desire of being extolled, deliver me,
From the desire of being honored, deliver me,
From the desire of being praised, deliver me,
From the desire of being preferred, deliver me,
From the desire of being consulted, deliver me,
From the desire of being approved, deliver me,
From the fear of being humiliated, deliver me, O Jesus.
From the fear of being despised,
From the fear of suffering rebukes,
From the fear of being calumniated,
From the fear of being forgotten,
From the fear of being ridiculed,
From the fear of being wronged,
From the fear of being suspected,
That others may be loved more than I, O Jesus, grant me the grace to desire it.
That others may be esteemed more than I,
That, in the opinion of the world, others may, increase and I may decrease,
That others may be chosen and I set aside,
That others may be praised and I unnoticed,
That others may be preferred to me in everything,
That others may become holier than I, provided that I may become as holy as I should, O Jesus, grant me the grace to desire it.

A word of caution: praying this prayer can result in severe injury to the human ego. Humility is said to be the foundation of the spiritual edifice and inferior only to faith. However, humility is considered the first virtue inasmuch as it removes the obstacles to faith (e.g., pride), and makes a man a fit recipient of grace. According to the words of St. James, "God resisteth the proud, and giveth his grace to the humble" (James 4:6). The eternal benefits are found throughout scripture including Matthew 5:5 – “The meek shall inherit the earth.” But there is another reason I ask for humility this year. I know from practical experience that portfolio managers who practice with humility also tend to have a better understanding of the risks they are taking on behalf of clients.

Pride leads to disgrace*, but with humility comes wisdom – Proverbs 11:2
* e.g. AIG, Lehman, Bear Stearns, et. al.
Overconfidence has led to the downfall of many brilliant Wall-Streeters. Indeed, one truth about money management is this: certainty sells. False promises and baseless predictions have enriched many portfolio managers and bankrupted many clients. It’s unfortunate we are often drawn to those who eschew humility.
“Early in life I had to choose between honest arrogance and hypocritical humility. I chose the former and have seen no reason to change.” – Frank Lloyd Wright
While arrogance can be attractive, it usually proves to be a fatal flaw in this industry. That is why this Christmas I am asking God for humility. By recognizing my shortcomings I am less likely to take undue risks. It sounds paradoxical, but because I recognize the possibility that an individual investment will fail, our portfolio is actually more likely to succeed. We strive to emulate a select handful of our peers who do this well. Consider the following from famous value investor Seth Klarman:
“Every day, every investor squints into the murkiness of present-day ambiguity and an unknowable future and has to make decisions. Even when these decisions are made for the right reason-not based on greed, not under undue pressure, not from intellectually dishonest motives, but because the investments appear sound and secure - much can still go wrong . . . our performance in the years ahead"

Vern Cushenbery, CFA, CPA
Chief Executive Officer
I founded CUSH Capital to deliver my clients the kind of trusted financial advice and portfolio management that is so rare in the financial community.
CUSH Capital pioneered the concept of wholesale investing. We do our own research; we don’t outsource, we in-source. Not only does this keep us independent, but it also lowers your fees. I invite you to become a part of our team. Visit our website to subscribe to this newsletter today, or call me. I will be happy to answer any questions about your financial future.

CUSH Capital Management, LLC
www.cushcapital.com

My last post had a scripture verse in about humility - 2 Chronicles 7:14 KJV If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land. I pray that Americans will rise up and learn the art of humility, so that God will save our land!


If you're looking for an honest approach to home financing, give Jewel or I call at 816-510-1399 or visit us at www.wantinsight.com

Michele "MAC" A. Cole
Business Development Rep

So what's your New Year's Resolution?? Interest Rates ticked up a bit... should we lock or not?

I received much positive feedback on this last post, so I thought I'd resend it to you along with a few additional updates.

I pray you and your families had a joyous Christmas!

What's your New Year's Resolution? Eat Right, Exercise More, Get Organized.... or considering buying or refinancing your home?? This blog will hopefully help you make a good choice if it's regarding home financing!

If you have been considering buying a home or even refinancing, you've probably been asking one of these questions? Should I refinance now? Should I buy now? What if rates go down again? With the economy this way, surely rates will have to drop again? I heard the Feds are going to lower rates again to stimulate the economy, should I wait to lock in an interest rate then? Just since Christmas, mortgage rates have tinged up about 3/8 or .375%. Depending on your loan size, that can make a difference on whether it makes sense to refinance or not.
These are all great questions and very valid. In the past, before all the housing bubble began, the answer to these questions might of been to wait. Times have changed! It's a whole new game in the mortgage world. If you are considering waiting to buy or refinance, below is a few reasons not to:

1. Mortgage Lenders are tightening guidelines to protect against future losses. Mortgage lenders are reducing loan to value limitations. They may require you to have 20% equity or more? If you are an investor or a jumbo borrower, those equity requirements are even higher. Someone who could qualify today, may not be able to qualify tomorrow.

2. The value of your home could decline, maybe it already has and could again? Foreclosures and short sales lower the market value of every home in your neighborhood and surrounding areas. A home that is comparable to yours that ends up selling for less than yours is going to lower your home's value. Lower appraisals lead to higher loan to values and, often, higher mortgage rates.

3. Have you or someone you know lost their job in the last two years? Job losses are happening at a very rapid rate. Many are being laid off as employers fear for the future stability of the company. Many are downsizing to offset lower prof ts (or no profits at all). Without a job and a steady paycheck, lenders won't give you a mortgage loan. I work with Business Fellowship International, a ministry that helps folks get connected and possibly into a new job. If this is you, please email me and I will help you in any way I can.

4. Another rise in cost is mortgage insurance or PMI. This is required if you have less than 20% equity or down payment in your home. PMI is an insurance that protects the lenders in the event of default. Remember hurricane Andrew and the impact it made on the insurance carriers? What's going on in the housing market right now, is comparable to that. Mortgage insurance carriers are raising rates and tightening guidelines as well, making it very hard to qualify or not allowing your payment to drop with the interest rate reductions.

5. What is your credit score? Most people assume their credit is good. But what is good anymore? To get the "preferred" or "going" interest rate, you have to have excellent credit scores, that means over 700 and sometimes over 720/740. Now don't get me wrong, we are still able to do loans under 700, but we would need to review your situation to see if it makes sense for you.

If you are thinking about buying or refinancing, now's the time to do it. The pendulum for mortgage loans has swung from one extreme to the other and it may be a long long while before lenders will consider loosening guidelines again. Financial crisis has it America.

But there is hope! Jeremiah 29:11 says, For I know the plans I have for you says the Lord, plans to prosper you, not to harm you, but to give you a future and a hope. 2 Chronicles 7:14 says If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land. If you have a relationship with the Lord, He will see you through! If you don't, consider asking Jesus into your heart, ask Him to forgive you of your sin and to cleanse you and make you new. He loves you so much and wants only good for you!

So, if your New Year's Resolution is to make a move or refinance your existing home, Jewel and I, the InSight Team, are here to help you make sound choices. We have many valuable resources and offer a variety of mortgage products.

For an Honest Approach to your Home Financing Needs, please give us a call or email us or visit us on the web at www.wantinsight.com.

Blessings Abundant!

Michele "MAC" A. Cole
Business Development
michele@wantinsight.com

Jewel Callahan
Mortgage Consultant
816-510-1399

Mortgage Rates - Lock or not to Lock? That is the question?

If you have been considering buying a home or even refinancing, you've probably been asking one of these questions? Should I refinance now? Should I buy now? What if rates go down again? With the economy this way, surely rates will have to drop again? I heard the Feds are going to lower rates again to stimulate the economy, should I wait to lock in an interest rate then?

These are all great questions and very valid. In the past, before all the housing bubble began, the answer to these questions might of been to wait. Times have changed! It's a whole new game in the mortgage world. If you are considering waiting to buy or refinance, below is a few reasons not to:

1. Mortgage Lenders are tightening guidelines to protect against future losses. Mortgage lenders are reducing loan to value limitations. They may require you to have 20% equity or more? If you are an investor or a jumbo borrower, those equity requirements are even higher. Someone who could qualify today, may not be able to qualify tomorrow.

2. The value of your home could decline, maybe it already has and could again? Foreclosures and short sales lower the market value of every home in your neighborhood and surrounding areas. A home that is comparable to yours that ends up selling for less than yours is going to lower your home's value. Lower appraisals lead to higher loan to values and, often, higher mortgage rates.

3. Have you or someone you know lost their job in the last two years? Job losses are happening at a very rapid rate. Many are being laid off as employers fear for the future stability of the company. Many are downsizing to offset lower prof ts (or no profits at all). Without a job and a steady paycheck, lenders won't give you a mortgage loan. I work with Business Fellowship International, a ministry that helps folks get connected and possibly into a new job. If this is you, please email me and I will help you in any way I can.

4. Another rise in cost is mortgage insurance or PMI. This is required if you have less than 20% equity or down payment in your home. PMI is an insurance that protects the lenders in the event of default. Remember hurricane Andrew and the impact it made on the insurance carriers? What's going on in the housing market right now, is comparable to that. Mortgage insurance carriers are raising rates and tightening guidelines as well, making it very hard to qualify or not allowing your payment to drop with the interest rate reductions.

5. What is your credit score? Most people assume their credit is good. But what is good anymore? To get the "preferred" or "going" interest rate, you have to have excellent credit scores, that means over 700 and sometimes over 720/740. Now don't get me wrong, we are still able to do loans under 700, but we would need to review your situation to see if it makes sense for you.

If you are thinking about buying or refinancing, now's the time to do it. The pendulum for mortgage loans has swung from one extreme to the other and it may be a long long while before lenders will consider loosening guidelines again. Financial crisis has it America.

But there is hope! Jeremiah 29:11 says, For I know the plans I have for you says the Lord, plans to prosper you, not to harm you, but to give you a future and a hope. 2 Chronicles 7:14 says If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land. If you have a relationship with the Lord, He will see you through! If you don't, consider asking Jesus into your heart, ask Him to forgive you of your sin and to cleanse you and make you new. He loves you so much and wants only good for you!

Jewel and I, the InSight Team, are here to help you make sound choices with your mortgage. We have many valuable resources and offer a variety of mortgage products. Please give us a call or email us or visit us on the web at www.wantinsight.com.

Most Cordially

Michele "MAC" A. Cole
Business Development
michele@wantinsight.com

Jewel Callahan
Mortgage Consultant
816-510-1399

Who are you seeking advice from?

I've been talking with several folks recently all of whom are asking for advice? Should we pay off our debt? If we could pay off our mortgage would that be wise? I have good credit but my lender won't let me do a rate reduction to lower my payment unless I'm a few months late on my mortgage payments. Should I just not pay my mortgage? These are just a few of the questions I receive pretty regularly.

Who are you seeking advice from? If your answer is God, then you've answered correctly. It is not only the best advice you'll ever get, but there is no substitute for the wisdom God can provide you. God is much wiser than any man!

If you're advisor is one who seeks the Lord for wisdom and counsel, then that is who I'd recommend. The bible tells us to seek the kingdom of God first and His righteousness, and all things will be added unto you. Matthew 6:33. How do you know if your advisor is someone who follows God's Word? Ask? Find out what organizations they belong to? Find out where they've got their training?

One of the organizations I belong to and have become a qualified member of is Kingdom Advisors. (www.kingdomadvisors.org) Kingdom Advisors is an organization that equips the finacial professional with ongoing education to walk out biblical financial stewardship in our own lives as well as helping our customers make sound decisions.

Crown Ministries (www.crown.org) is a ministry whose purpose is to also teach and equip the believer to understand money God's way. One main thing I've learned through their ministry and study groups is that God owns it all! Money is not really yours. God owns it and has ultimate control over it (whether you realize it or not). God provides our every need (Phil 4:19). Once we learn to surrender to this realization, a weight comes off our shoulders. A pressing need to worry about our finances is lifted. That's why I highly recommend you work with an advisor that has this background!

There are many I can discuss and share with you but these are just a couple I am fond of. When we seek advice, we should first go to God for His infinite and timeless wisdom. "Blessed is the man who does not walk in the counsel of the wicked."

If you are looking for a professional who can help you with sound financial wisdom, God's way, please email me and I will make the connection for you!

Blessings abundant to you and your family this Christmas Season!

Michele "MAC". A. Cole
Business Development
The InSight Team
michele@wantinsight.com

If you are looking to refinance or purchase a home, please let the InSight Team lend insight in your home financing needs!

Economic Troubles - There is a way to turn this around!

Do you believe that you can change the country's economic situation? Galatians 6:7 says: "God is not mocked, whatsoever a man soweth that shall he also reap".

If a corn farmer sows seeds in his field he expects to reap a harvest of corn, what he has planted, right? I would find it odd if he sowed seeds of corn and the harvest came up tomatoes? Wouldn't you?

Just as the farmer sows seed, our country and us consumers have been sowing into materialism, paying for things on credit and buying bigger homes. Check out this article written by Margot Adler with NPR dated 11/20/09. "The average American house size has more than doubled since the 1950s; it now stands at 2,349 square feet. The move toward large homes has been accelerating for years.

Consider: Back in the 1950s and '60s, people thought it was normal for a family to have one bathroom, or for two or three growing boys to share a bedroom. Well-off people summered in tiny beach cottages on Cape Cod or off the coast of California. Now, many of those cottages have been replaced with bigger houses. Six-room apartments in cities like New York or Chicago have been combined, because upper-middle-class people now think a six-room apartment is too small".

When our countries leaders are adding to the nation's debt, why would we do any differently? A dog trainer I once knew said that "intelligence runs down the leash". So we are prone to follow our country's leadership.

However, YOU can make a difference. You can start sowing good seeds and begin to stop spending and start working on paying off debt and downsizing your home. Jesus said it like this, "Even so, every good tree bears good fruit, but a bad tree bears bad fruit. A good tree cannot bear bad fruit, nor can a bad tree bear good fruit. Every tree that does not bear good fruit is cut down and thrown into the fire. Therefore by their fruits you will know them" (Matthew 7:17-20).

If we are hoping for change in this country, we need to examine our own lives first and start planting a seed for change without compromise.

If you don't know where to begin or you just would like additional guidance, please feel free to email me. I have several connections depending on your situation that can help you start this process! It's never too late!

Let the InSight Team, lend insight into your home financing needs.
Jewel Callahan - jewel@wantinsight.com
or Michele Cole - michele@wantinsight.com

Blessings to you!
Michele "MAC" A. Cole
Business Development Rep
The InSight Team
Mid-America Mortgage

Great News!! Tax Credit Extended and Expanded!!

President Obama signed into law legislation extending and expanding the $8,000 first-time home buyer tax credit. This a victory for consumers and the housing industry.

Under the legislation, home buyers will qualify for the tax credit until April 30, 2010* (as long as they have entered a binding contract), and have an additional 2 months (until June 30, 2010*) to close the transaction. Borrower income limits have also been increased to $125,000 for individuals and $225,000 for couples (up from $75,000 and $150,000 respectively under the current program). The legislation also includes a tax credit not exceeding $6,500 for move up buyers who have owned their current homes for at least 5 years.

If you are considering a move and buying a new home, NOW is the time to act. Not only for first time buyers but for buyers wanting to downsize, or up size who have owned their homes for 5 years or more, you qualify for some credit as well!

Interest rates have been staying stable and are still at record lows!!! There are still no downpayment loans available thru VA or USDA loans. Contact us to see how you may qualify!

You probably know someone who has been hurt greatly by the economic times. The InSight Team's heart is to help point you towards the right product for your home financing. One that even with economic uncertainity, you can have peace.

Pleaes feel free to give us a call at 816-510-1399 or visit us at www.wantinsight.com

Michele "MAC". A Cole
Business Development
Jewel Callahan
Mortgage Consultant
www.wantinsight.com

What are you thankful for?

This weekend at church, my pastor taught on how to be content. Phil 4 - says that we are to be content in all circumstances. What does that really mean? My pastor shared a story of a lady who was ready to commit suicide because she had lost all hope. Her husband had lost his job, they had kids and wasn't sure how they could pay their mortgage and it seemed very doom and gloom for her and she felt there was no way out. The husband had called their pastor to come over and pray for her. When her pastor got there, he told her to start listing 100 things that she was thankful for. Her immediate reply was - I have nothing to be thankful for. The pastor then replied and said, what about your kids? She said yes, I'm thankful for my kids... and the story continued, she was thankful for her husband, her parents, her church,the rest of her family, her friends, the house she lives in, the food that they have to eat each day.... and so on and so on. With that, she came out of the closet and didn't feel hopeless anymore.

The Lord has been showing me how to be thankful and content in all circumstances. I am very thankful for many things. I sat down and just started giving thanks for everything I'm thankful for and wow the things I take for granted amazed me... such as how beautiful the sky was yesterday, the warm weather, the beautiful fall foliage, my dogs, the house I live in, the wonderful husband I have, the fact we have running water, hot too for showers, the ability to wash our clothes, makeup we get to wear, the hairdryer I use each day, shampoo and soap. The fact is we have so much more than folks in other countries and we are still wanting more more more!

I saw a quote by Zig Ziglar not long ago. He said this "The more you recognize and express gratitude for the things you have, the more things you will have to express gratitude for."

So, how does this relate to being content? Give gratitude and thanks to God for all you do have. Focus on what you have and not on what you don't. As you do, you will see it's very easy to be content. What are you thankful for?

If you are hurting or in need of prayer, please email me.

Michele "MAC" A. Cole
michele@wantinsight.com
The InSight Team

www.wantinsight.com - for more information on home loans

Tax Credit Extended??

The current first time homebuyer tax credit is set to expire on December 1, 2009. However, House Speaker Nancy Pelosi says that the governement may extend it and expand it.

There is consideration that they may increase the tax credit from $8000 to $15,000 and possibly include all purchases or purchases involving new home construction!

This would be a huge benefit to the housing market as well as to the economy as a whole. The National Association of Realtors has asked Congress to extend the credit due the estimated 350,000 buyers who would not of bought homes without the credit. They also indicate that it brough 1.2 million new buyers into the market! Wow!!!!

At least, lawmakers are requesting a 6 month extension on the original first time tax buyer credit. Even if you are not a first time buyer, the tax credit may still benefit you. Please give us a call or email us and we will be happy to answer any further questions you might have!

The InSight Team is here to help you make choices you can live with today....and in the future.

Blessings

Michele "MAC" A. Cole
Business Development Rep
www.wantinsight.com