Welcome
The purpose of our monthly newsletter is simple; we want to inform, motivate, educate and offer a little humor into our hectic lives.
Please let us hear from you about a special event or experience in your life to use for a future month's newsletter opportunity. |
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Things I Remember |
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Several years ago, I started writing about "Things I Remeber" while sitting around the house in my favorite recliner.
These "things" are a random collection of events and experiences that are funny, sad, entertaining, educational...well, you get the idea. There is no particular order of the Things I Remember nor is one memory related to another memort.
Let me give you a couple of Things I Remeber:
- In 1988, I gave my son, Brad, his first driving lesson on a standard transmission car. He had only learned to drive with an automatic transmission car. This really funny story was about that driving lesson and the evolution of his mastering the clutch and accelerator at the same time.
- Another story was when my son at the ripe old age of 15 served as my best man at our 1988 wedding. He offered the wedding toast and got a nice kiss on the cheek from Linda...complete with the funny facial expression, which we recorded.
The point of this article is the fact that my son asks about my writings from time to time as he is anxious to read the stories in my own handwriting.
If you want to do something simple and memorable, write about Things You Remember for your family. It is amazing the amount of interest interest it will create not only for you, but also for the remainder of the family. And, maybe, just maybe, they will want to do the same.
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The Value of Time |
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Within our American political culture, we routinely toss around budgetary topics of BILLIONS of dollars (and now Trillions of dollars).
With the following, let me give you a mental picture of what a billion is.
- A billion seconds ago was 1959
- A billion minutes ago, Jesus was alive
- A billion hours ago, our ancestors were living in the Stone Age
- A billion dollars ago was only 8 hours and 20 minutes.
Can you think of a billion reasons to vote at the next election?
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Reach Out and Touch Someone |
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What type of touching is appropriate?
When is touching appropriate?
Here are a few of my personal experiences:
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The touch of a firm handshake can indicate sincerity.
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A pat on the (upper) back or shoulder to signifiy a warm greeting and/or a sign of a "job well done."
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A hug can be a sign of affection with a close friend that has not been seen in a while.
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A hand on a shoulder may have a calming affect in a tense moment.
What is your experience in touching others and being touched by others?
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When is the "BEST" Time to Buy Your Dream Home? |
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If you ask any lender or real estate agent when is the "best" time to buy the automatic answer is NOW!
Let's give the automatice answer of NOW a little more thought.
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Buying in a depressed market can mean a greater value of a home
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Buying in the wrong neighborhood in a depressed market can mean the value of your new home can depresiate further.
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Buying when interest rates are in historic low ranges means the cost of your mortgage is less.
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Determining your personal and financial circumstance can be with the help of a good mortgage banker (direct lender) and with the guidance of a good real estate agent.
How does this particular time meet the above highlights?
In Houston, we are a (lesser) depressed housing value market (aka = buyer's market). The Houston values, although declined, are stable compared to other areas of the country. "Stability" means for today's homebuyers means a greater upside in housing values.
Interest rates have been over and under 5.00% for some time. Everyone knows that rates fluctuate daily and some time multiple times during a day. Trying to time the bottom of the interest rate cycle is terribly futile and many times results in frustration and a missed opportunity.
If you are in the home buying market, please feel free to call on me as a resource for your mortgage questions.
Joe@joestiles.com or 281/381-1414
www.joestiles.com
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Soaring with the Eagles vs. Pecking with the Chickens...YOUR CHOICE |
Please join me as my personal guest at the
HWCOC's Business Over Breakfast meeting on the
THIRD WEDNESDAY of each month.
Our breakfast meeting is held at:
LeTourneau University
3rd Floor
10370 Richmond @ Beltway 8
We begin our netweaving and breakfast meeting at 07:00 A.M. and finish at 08:30 A.M.
Be sure to say THANK YOU to those responsible for sponsoring the fabulous breakfast.
The next meeting is JULY 15th
The title of this month's program is:
"Soaring with the Eagles vs. Pecking with the Chickens...YOUR CHOICE"
This program highlights the UPs and DOWNs of our daily lives and how to move forward.
RECEIVE SPECIAL RECOGNITION BY HOSTING THE NEXT BREAKFAST MEETING.
Do you need help with directions?
Please call me at 281/381-1414 for directions OR go to www.hwcoc.org for more information and the monthly calendar of events. |
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Romantic Ideas for Her Birthday |
In planning for the birthday of that special girl, think small and multiple for that special birthday gift.
GUYS...big one-of-a-kind gifts are nice, if you can afford it, but are not always necessary or expected.
Consider the following ideas for the multiple warm surprises:
- A fashionable decorative scarf is always welcome, especially one that accents a special outfit.
- Consider also, a manicure and/or pedicure that both of you can do at the same time - think togetherness.
- What a great time the two of you would have on an old-fashioned picnic with the blanket on the ground and at a destination that is within a short drive from home.
- Consider the gift of time in which you give her a gift certificate of your support in cleaning the residence, running errands, shopping, picking up the laundry, etc.
- Plant a golf ball in a funny place (e.g. inside a folded bath towel, inserted in a pair of socks, hidden in her lingerie drawer) on which you have written the magic three words of "I Love You" or similar endearing words.
- Show your special culinary skills by planning and preparing a nice candle light dinner complete with soft music and, if appropriate, a little wine to toast the occasion.
Guys...just be your creative self and apply the age-old saying of K. I. S. S.
www.joestiles.com
281/381-1414
joe@joestiles.com | |
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Think on these things
From the best advice of a farmer:
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Every path has a few puddles
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You cannot UNsay a cruel word
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Always drink upsteam from the heard
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Live simply, love generously, speak kindly and leave the rest to God
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The best sermons are lived, not preached
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It don't take a very big person to carry a grudge
GOD BLESS AMERICA...be sure to thank every military person for their service to our country.
Does your business offer a discount that you would like to offer to my readers? SEE BELOW
This is a great opportunity to share your expertise with many others. |
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| JULY 2009 |
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I invite you to take a moment to be inspired, motivated, informed and entertained by this month's newsletter. Please take a moment to share your comments and suggestions for furture articles and/or topics.
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| America's Veterans |
America's military veterans have a very special place in my heart.
As my personal "THANK YOU" for every veteran who finances their FHA or VA loan through JOE STILES, I am offering a FREE appraisal (a value of $400).
I am honored to serve our country's veterans in this small way as my personal gratitude of your service to the United States of America.
NO TIME LIMIT
Joe Stiles
(USAF Veteran)
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| Our Partners |
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Visit our Strategic Partners |
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