Shirley's San Antonio Real Estate Blog

Arrgh!  A holiday that my wife and her family really enjoy celebrating is on September 19th.  It is International Talk Like a Pirate Day.  In Honor of this wonderful holiday, we decided to dress up Isabelle in her official Baby Pirate uniform.

You may be asking, how do I talk like a pirate? Well, I did a little research through her family and here is what I came up with.  To my surprise, there are actually some rules to be followed:

 

How To Be Speakin' Pirate-Like-Startin' Rules

·       Double up on all your adjectives and you'll be bountifully bombastic with your phrasing. Pirates never speak of "a big ship", they call it a "great, grand ship!" They never say never, they say "No nay ne'er!"

·       Drop all your "g"'s when you speak and you'll get words like "rowin'", "sailin'" and "fightin'". Dropping all of your "v"'s will get you words like "ne'er", "e'er" and "o'er".

·       Instead of saying "I am", sailors say, "I be". Instead of saying "You are", sailors say, "You be". Instead of saying, "They are", sailors say, "They be". Ne'er speak in anythin' but the present tense!

·       If it be helpin', start yer sentence wi' a "Arr, me hearty," in a deep, throaty voice — ye'll find that the rest be comin' much easier.

SOME COMMON PIRATE TERMS

THE FIVE “A”S

        THE TERM                      MEANS

1.   AHOY                              HELLO

2.   AVAST                             STAND AND GIVE ATTENTION

3.   AYE                                 YES, I AGREE MOST HEARTILY

4.   AYE,AYE                         YES, I'LL GET RIGHT ON IT

5.   ARRGH                            ANYTHING YOU WANT IT TO MEAN

 

MORE TERMS

1.   YO

2.   BLOODY

3.   AYE, MATES

4.   YARRH, MATE

5.   WOULD YOU LIKE A SCURVY_________?

 

Ahoy: Hey! A BASIC PIRATE DICTIONARY

·       Avast: Stop!

·       Aye: Yes

·       Black spot: to be 'placin' the black spot' be markin' someone for death.

·       Booty: treasure

·       Buccanneer: a pirate who be answerin' to no man or blasted government.

·       By the Powers!: an exclamation, uttered by Long John Silver in Treasure Island!

·       Cat o' nine tails: whip for floggin' mutineers

·       Corsair: a pirate who be makin' his berth in the Med-...Medi-...that sea 'tween Spain and Africa, aye!

·       Davy Jones' Locker: the bottom o' the sea, where the souls of dead men lie

·       Doubloons: pieces of gold...

·       Fiddlers Green: the private heaven where pirates be goin' when they die.

·       Furner: a ship which be yer own, not one ye steal an' plunder.

·       Gentlemen o' fortune: a slightly more positive term fer pirates!

·       Go on the account: to embark on a piratical cruise

·       Grog: A pirate's favorite drink.

·       Jack: a flag or a sailor

·       Jolly Roger: the skull and crossbones, the pirate flag!

·       Keelhaul: a truly vicious punishment where a scurvy dog be tied to a rope and dragged along the barnacle-encrusted bottom of a ship. They not be survivin' this.

·       Landlubber: "Land-lover," someone not used to life onboard a ship.

·       Lass: A woman.

·       Lily-livered: faint o' heart

·       Loaded to the Gunwales (pron. gunnels): drunk

·       Matey: A shipmate or a friend.

·       Me hearty: a friend or shipmate.

·       Me: My.

·       Pieces o' eight: pieces o' silver which can be cut into eights to be givin' small change.

·       Privateer: a pirate officially sanctioned by a national power

·       Scallywag: A bad person. A scoundrel.

·       Scurvy dog!: a fine insult!

·       Shiver me timbers!: an exclamation of surprise, to be shouted most loud.

·       Son of a Biscuit Eater: a derogatory term indicating a bastard son of a sailor

·       Sprogs: raw, untrained recruits

·       Squadron: a group of ten or less warships

·       Squiffy: a buffoon

·       Swaggy: a scurvy cur's ship what ye be intendin' to loot!

·       Swashbucklin': fightin' and carousin' on the high seas!

·       Sweet trade: the career of piracy

·       Thar: The opposite of "here."

·       Walk the plank: this one be bloody obvious.

·       Wench: a lady, although ye gents not be wantin' to use this around a lady who be stronger than ye.

·       Wi' a wannion: wi' a curse, or wi' a vengeance. Boldly, loudly!

·       Yo-ho-ho: Pirate laughter

So for all those land lubbers and me Privateers & Wench's who be lookin fer a place to lay your head in Myrtle Beach Real Estate let me be your matey to help ye find your booty!  Also if you are a land lubber needin to sell yer furner let me help before ya walk the plank and end up in Davy Jones' Locker!

Jeremy Blanton- Myrtle Beach Real Estate Expert

_______________________________________________________________________________________________________

Feel free to subscribe to my blog to keep up to date with my latest posts of tips & tricks to enhance your experience on ActiveRain. If you would like, you can sign up to receive updates via email directly in your inbox.

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Arrgh!  A holiday that my wife and her family really enjoy celebrating is on September 19th.  It is International Talk Like a Pirate Day.  In Honor of this wonderful holiday, we decided to dress up Isabelle in her official Baby Pirate uniform.

You may be asking, how do I talk like a pirate? Well, I did a little research through her family and here is what I came up with.  To my surprise, there are actually some rules to be followed:

 

How To Be Speakin' Pirate-Like-Startin' Rules

·       Double up on all your adjectives and you'll be bountifully bombastic with your phrasing. Pirates never speak of "a big ship", they call it a "great, grand ship!" They never say never, they say "No nay ne'er!"

·       Drop all your "g"'s when you speak and you'll get words like "rowin'", "sailin'" and "fightin'". Dropping all of your "v"'s will get you words like "ne'er", "e'er" and "o'er".

·       Instead of saying "I am", sailors say, "I be". Instead of saying "You are", sailors say, "You be". Instead of saying, "They are", sailors say, "They be". Ne'er speak in anythin' but the present tense!

·       If it be helpin', start yer sentence wi' a "Arr, me hearty," in a deep, throaty voice — ye'll find that the rest be comin' much easier.

SOME COMMON PIRATE TERMS

THE FIVE “A”S

        THE TERM                      MEANS

1.   AHOY                              HELLO

2.   AVAST                             STAND AND GIVE ATTENTION

3.   AYE                                 YES, I AGREE MOST HEARTILY

4.   AYE,AYE                         YES, I'LL GET RIGHT ON IT

5.   ARRGH                            ANYTHING YOU WANT IT TO MEAN

 

MORE TERMS

1.   YO

2.   BLOODY

3.   AYE, MATES

4.   YARRH, MATE

5.   WOULD YOU LIKE A SCURVY_________?

 

Ahoy: Hey! A BASIC PIRATE DICTIONARY

·       Avast: Stop!

·       Aye: Yes

·       Black spot: to be 'placin' the black spot' be markin' someone for death.

·       Booty: treasure

·       Buccanneer: a pirate who be answerin' to no man or blasted government.

·       By the Powers!: an exclamation, uttered by Long John Silver in Treasure Island!

·       Cat o' nine tails: whip for floggin' mutineers

·       Corsair: a pirate who be makin' his berth in the Med-...Medi-...that sea 'tween Spain and Africa, aye!

·       Davy Jones' Locker: the bottom o' the sea, where the souls of dead men lie

·       Doubloons: pieces of gold...

·       Fiddlers Green: the private heaven where pirates be goin' when they die.

·       Furner: a ship which be yer own, not one ye steal an' plunder.

·       Gentlemen o' fortune: a slightly more positive term fer pirates!

·       Go on the account: to embark on a piratical cruise

·       Grog: A pirate's favorite drink.

·       Jack: a flag or a sailor

·       Jolly Roger: the skull and crossbones, the pirate flag!

·       Keelhaul: a truly vicious punishment where a scurvy dog be tied to a rope and dragged along the barnacle-encrusted bottom of a ship. They not be survivin' this.

·       Landlubber: "Land-lover," someone not used to life onboard a ship.

·       Lass: A woman.

·       Lily-livered: faint o' heart

·       Loaded to the Gunwales (pron. gunnels): drunk

·       Matey: A shipmate or a friend.

·       Me hearty: a friend or shipmate.

·       Me: My.

·       Pieces o' eight: pieces o' silver which can be cut into eights to be givin' small change.

·       Privateer: a pirate officially sanctioned by a national power

·       Scallywag: A bad person. A scoundrel.

·       Scurvy dog!: a fine insult!

·       Shiver me timbers!: an exclamation of surprise, to be shouted most loud.

·       Son of a Biscuit Eater: a derogatory term indicating a bastard son of a sailor

·       Sprogs: raw, untrained recruits

·       Squadron: a group of ten or less warships

·       Squiffy: a buffoon

·       Swaggy: a scurvy cur's ship what ye be intendin' to loot!

·       Swashbucklin': fightin' and carousin' on the high seas!

·       Sweet trade: the career of piracy

·       Thar: The opposite of "here."

·       Walk the plank: this one be bloody obvious.

·       Wench: a lady, although ye gents not be wantin' to use this around a lady who be stronger than ye.

·       Wi' a wannion: wi' a curse, or wi' a vengeance. Boldly, loudly!

·       Yo-ho-ho: Pirate laughter

So for all those land lubbers and me Privateers & Wench's who be lookin fer a place to lay your head in Myrtle Beach Real Estate let me be your matey to help ye find your booty!  Also if you are a land lubber needin to sell yer furner let me help before ya walk the plank and end up in Davy Jones' Locker!

Jeremy Blanton- Myrtle Beach Real Estate Expert

_______________________________________________________________________________________________________

Feel free to subscribe to my blog to keep up to date with my latest posts of tips & tricks to enhance your experience on ActiveRain. If you would like, you can sign up to receive updates via email directly in your inbox.

Also, lets connect on these great social networks:

              

You heard the radio adds, the television commercials, and your neightbor talk about the mortgage rates being at an all time low. Then you called your local mortgage company only to find out the rate was not much better than your current rate. Now what? Don't worry, you still have options and it wont take a refinance to do it.

Did you know that most mortgage companies will allow you to make additional principal payments on your loan balance? Perhaps you receive a larger than expected tax return, an inheritance, a non-taxable cash gift, or that work bonus you were not expecting. You could apply this money toward your loan principal which result in a signicant savings and shorter loan life.

For this example, I am using a loan balance of $150,000, a rate of 5.0%, and a 30 year fixed rate mortgage. Please note that these examples are useful on Conventional, FHA, and VA loan programs. The only time this will not apply is if you currently have an Adjustable Rate Mortgage.

Based on the above numbers, your mortgage payment (principal and interest only) would be $805.23 per month. If you made each payment on time, with no additional principal, then at the end of 30 years, you will have paid $289,885.27 in payments ($139,882.27 in interest).

Does your budget allow for you to make one additional mortgage payment per year ($805.23 per year) which would be applied directly toward your principal? If so, you would pay off your mortgage in 305 payments (25 1/2 years). This is a savings of $$24,524.59 in interest. Think you can save $805.23 a year?  No? How about if you broke up the $805.23 in 12 easy installments?

Look over your budget and see if you could afford $67.11 per month to add to your mortgage payment. By making this additional principal payment each month, you have increased your overall savings to $25,453.13. Your mortgage would be paid off in as little as 303 payments (25 years, 3 months).

All of this without spending ONE DIME on refinance fees. If you already have a great rate, but would like to pay off your mortgage sooner, this is the best way without refinancing to a shorter term. For best results, apply principal reductions more often rather than making one time payments each year. If making a principal reduction once a year, or once every 5 years is your only options, still do it.  The reduction should still save you thousands of dollars in the long run.

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If you live in the state of Texas and are looking for a reliable Mortgage Professional to assist you with the loan product that best fits your financial situation, give me a call. We do not charge upfront fees to run scenarios or charge unnecessary application fees.

Do you want to know all of your options? Call me today and let's discuss them further.

Always available for your Frisco Texas Mortgage needs!

John Cannata  Reliant Mortgage  p# 214.545.5604  

www.JohnCannata.com

Frisco Texas Mortgage Consultant

 

Amazing Sand Drawing @ Yahoo! Video

Kseniya Simonova is a Ukrainian artist who just won Ukraine's version of "America's Got Talent."

She uses a giant light box, dramatic music, imagination and "sand painting" skills to interpret Germany's invasion and occupation of Ukraine during WWII

It just absolutely amazes me how our definition of art form is really limitless if you stop to think about it.

And unlimited by borders, language and culture apparently..........

 

You didn't think I'd forget about your Sphere of Influence (SOI) in my Pipeline 2010 series didja'? Of course not...

If you've followed my blog at all, you might have noticed that I'm a big fan of an SOI business model, as long as it doesn't include any begging, bribing or pestering those Very Important People Who Know You. At last count, I've written over 200 blogs & articles on the subject and there are three whole chapters in my upcoming book on it. It's my thang.

So, what can you do with your Sphere of Influence TODAY to fill your pipeline for 2010?

Well, just about anything, really. Except begging, bribing or pestering. If, today, you begin making a concerted effort to reconnect with the people you know, by the end of the year, you'll have made a real impression on a lot of people. And I'll bet you'll have met a lot MORE people to include in your sphere to make a real impression on.

What do I mean by reconnect? Well, it depends on how formal you want to get with it. If you've been hankering to change up your business model away from traditional prospecting and into something a little more fun, then you might want to explore the various programs available to walk you thru doing just that (and yeah, I have one of those).

Or, just set some easy goals to have a couple lunch dates every week, to pick up the phone and call a friend if you have a bona-fide reason to. Accept invitations to parties you might normally decline. Have your own casual dinner party or afternoon BBQ. Organize a girls night or boys night out. Go through your email inbox and look for old conversations you can pick back up. Oh, heavens, there are a gazillion things you can do to get back in touch with the people you know and increase the likelihood of making new friends.

Just promise me you won't beg, bribe or pester anyone for business during your reconnection efforts. Or, ever. If you do, your friends and acquaintances won't appreciate being reconnected with and not only will your Sphere of Influence business model fail, you'll likely lose some friendships over it.

And that's bad.

Next up: The Very BEST Way to Fill Up Your Pipeline

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If it's September in Dallas, the State Fair is just around the corner!  For many Texans, one of the highlights of the fair is the annual Fried Foods competition called the Big Tex Choice Award.  Each year, finalists for the best new fried food are announced and a cook-off is held to decide on that year's winner.  The finalist entries are all available for purchase at food stands during The State Fair of Texas, which runs at Dallas' Fair Park from September 25 to October 18, 2009.

This year's finalists for best new fried food are:

Deep Fried Butter: Sweetened, flavored, whipped butter wrapped in dough and deep-fried.

Green Goblins: Cherry peppers packed with spicy shredded chicken and guacamole, battered and deep fried. Topped with queso.

Twisted Yam On A Stick: Spiral-cut yam fried crispy, rolled in butter, dusted with cinnamon and sugar.

Fernie's Deep Fried Peaches & Cream: Peaches coated with batter and deep fried, sprinkled with streusel and cream. Served with raspberry sauce.

Texas Fried Pecan Pie: Pecan pie battered and deep fried, drizzled with caramel sauce and topped with cream and chopped pecans.

Country Fried Pork Chips: Thin pork loin seasoned, dipped in corn meal and deep fried. Served with ketchup or gravy.

Sweet Jalapeno Corn Dog Shrimp: Shrimp coated with sweet and spicy batter, deep fried and served with spicy glaze.

Fried Peanut Butter Cup Macaroon: Peanut butter cup wrapped in coconut macaroon, fried and dusted with powdered sugar. Ice cream scoop optional.

In previous years, the winners of this competition have included such favorites as Chicken Fried Bacon, the Fried Banana Split and Deep-Fried Twinkies.

I was joking in the title of this post, but with choices like Deep Fried Butter, perhaps a defibrillator really is in order!

Credit is one of THE MOST IMPORTANT ISSUES IN getting a loan today. 

My client tell me all the time that "I PAY MY BILLS ON TIME, BUT MY PEOPLE SAY MY CREDIT STINKS.  Maybe I'll just pay off my credit cards today.....Noooooooooooooo!!!!!!" 

Truthfully, there is more to a credit score than just making your payments on time or paying off your credit.  In fact paying off all your credit today could be a bad move.  Needless to say, I've broken this down so that the complexities of mortgage credit scoring can be understood by the consumer.  I reference this a lot when consulting clients.  With this information you can self-analyze your situation to make sure that you monitor your scores or raise your scores to where you want or need them.  In other words, this serves as a roadmap to building a good credit report.

 Here are all 5 factors in the order of importance:

 1)  Payment History has a 35% impact. Paying debt on time and in full has a positive impact, and late payments, judgments and charge-offs have a negative impact.

 2)  Outstanding Credit Balances have a 30% impact. Debt ratio of outstanding balance to available credit is important.  Keeping that below 50% is wise and below 30% even wiser. It is never a good idea to close an account; the debt ratio will go up and the number of seasoned lines will decrease. Pay outstanding debt down as close to zero as possible and evenly redistribute the remaining balance among the open lines. The increased interest incurred by moving a balance from a 0% card to a 23% card will be minimal relative to what the increased mortgage debt might be with a low credit score. Hitting the maximums of available credit can be very negative. It may be worth calling and asking the credit company to increase your available credit to lower the debt ratio, provided they can do so without a hard credit inquiry. 

 3) Credit History has a 15% impact. The length of time a particular credit line has been opened is important. A seasoned borrower is stronger. 

 4)  Type of Credit has a 10% impact. A mix of auto loans, credit cards and mortgages is positive, rather than a concentration in credit cards only. 

 5)  Inquiries have a 10% impact. Hard inquiries for credit will negatively impact the score. Auto and mortgage inquiries receive special treatment and 20 inquiries can be made in a 14-day period for auto or mortgage and will be treated as only 1 inquiry. The maximum number of inquiries that will reduce the score is 10. Any inquiries beyond that [11+] in a six -month period will have no further impact on the borrower. Each hard inquiry can cost 2-50 points on a credit score.

Make sense?  It does to me.  File this away in your back pocket.  Every time you want to save 10% on the flashing blue light special for signing up for a new card....well...you may be paying a lot more than that with all of your other credit if your scores drop. Know your facts, call me if you want to talk further on how this may affect you.

 Larry Bettag

 Regional Vice-President

Illinois Mortgage Expert

630-417-7172