By: Brian Tracy

There is one special quality that you can develop that will guarantee you greater success, accomplishment and happiness in life. Of a thousand principles for success developed over the ages, this one quality or practice will do more to assure that you accomplish wonderful things with your life than anything else. This quality is so important that, if you don’t develop it to a high degree, it is impossible for you to ever achieve what you are truly capable of achieving.

The quality that I am talking about is the quality of self-discipline. It is a habit, a practice, a philosophy and a way of living. All successful men and women are highly disciplined in the important work that they do. All unsuccessful men and women are undisciplined and unable to control their behaviors and their appetites. And when you develop the same levels of high, personal discipline possessed by the most successful people in our society, you will very soon begin to achieve the same results that they do.

All great success in life is preceded by long, sustained periods of focused effort on a single goal, the most important goal, with the determination to stay with it until it is complete. Throughout history, we find that every man or woman who achieved anything lasting and worthwhile, had engaged in long, often unappreciated hours, weeks, months and even years of concentrated, disciplined work, in a particular direction.

Fortunately the quality of self-discipline is something that you can learn by continuous practice, over and over, until you master it. Once you have mastered the ability to delay gratification, the ability to discipline yourself to keep your attention focused on the most important task in front of you, there is virtually no goal that you cannot accomplish and no task that you cannot complete.

Successful people engage in activities that are goal-achieving. Unsuccessful people engage in activities that are tension-reliving. Successful people discipline themselves to have dinner before dessert. Unsuccessful people prefer to have dessert most of the time.

Successful people plan their work, and work their plan. They take the time to think through their responsibilities before they begin. They make clear decisions which they then implement immediately. They get a lot more done in a shorter period of time than the average person. And it all has to do with their disciplines.

Perhaps the most important benefit of self-discipline is the personal benefit that you receive. Every act of self-discipline increases your self-esteem. It gives you a feeling of personal power and accomplishment. Each time you discipline yourself to persist in the face of distractions, diversions, and disappointments, you feel better about yourself.

As you continue to discipline yourself, you achieve more and more in life. As you achieve more things, you feel more like a winner. Your self-confidence goes up. You feel happier about yourself. You get more done and you have more energy. You earn the respect and esteem of the people around you. You get more rapid promotions and are paid more money. You live in a nicer house, drive a nicer car, and wear nicer clothes. You get a natural high from the thrill of achievement. And the more things that you achieve as the result of employing your personal habits of effectiveness and productivity, the more eager you are to achieve even higher and better tasks. Your life gets onto an upward spiral of success and happiness. You feel great about yourself most of the time.

Every act of self-discipline strengthens every other discipline in your life. Every weakness of self-discipline weakens your other disciplines as well. When you make a habit of disciplining yourself in little things, like flossing your teeth every night, you’ll soon become able to discipline yourself to accomplish even larger things, like working long, long hours to bring a major task to completion.

Your entire life is an on-going battle between the forces of doing what is right and necessary on the one hand and doing what is fun and easy on the other hand. It is a battle between the forces of discipline and the forces of ease or expediency. And when you develop the strength of character that gives you complete self-mastery, self-control and self-discipline, you feel wonderful about yourself. You develop a deep inner sense of strength and confidence. You replace positive thinking with positive knowing. You reach the point inside where you absolutely know that you can do whatever it takes to achieve any goal that you can set for yourself.

Self-discipline is its own reward. Not only does it pay off in terms of greater self-esteem and a more positive mental attitude, but it pays off throughout your life in terms of the goals that you achieve and the success that you attain in everything you do.

Self-discipline is a skill and a habit that can be learned by practice. Every time you practice a little self-discipline, you become stronger and stronger. Bit by bit, you become more capable of even greater disciplines. As you become a totally self-disciplined individual, your entire future opens up in front of you like a broad highway. Everything becomes possible for you and your future becomes unlimited.

FHA Lender Training comes to Las Vegas, NV. There is still time to register for this training opportunity. RSVP today to reserve your seat:

August 4-6, 2009 – Las Vegas, NV. FHA Lender Training. FHA trainers will be conducting a 3-day class where you can learn about FHA processing, documentation requirements, FHA underwriting, mortgage calculations, underwriter responsibilities, automated underwriting (AUS), highlights of underwriting the FHA appraisal & more. This training is highly beneficial for Underwriters, Loan Officers & Processors. A Certificate of Completion will be issued to attendees who attended ALL 3 days of the training. Registration required, no fee. More information at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registerEventSearch&year=2009&month=8&calmonth=8

AND

[Federal Register: July 28, 2009 (Volume 74, Number 143)][Notices][Page 37238-37240][Docket No. FR-5305-N-01] RIN 2502-AZ00]

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

TITLE: Housing and Economic Recovery Act of 2008: Pilot Program for Automated Process for Borrowers Without Sufficient Credit History; Solicitation of Comments on Program Design

AGENCY: Office of the Assistant Secretary for Housing–Federal Housing Commissioner, HUD.

ACTION: Notice.

DATES: Comment Due Date: September 28, 2009.

SUMMARY: The Housing and Economic Recovery Act of 2008 requires that HUD carry out a pilot program to establish, and make available to mortgagees, an automated process for providing alternative credit rating information, which might include rent, utilities, and insurance payment histories, etc., for mortgagors and prospective mortgagors who have insufficient credit histories for determining their credit worthiness. With this notice, HUD commences the process for development of the mandated pilot program and solicits public comment and suggestions for a practicable design of the pilot program that is consistent with statutory goals, program requirements, and fair lending standards, and includes comment on how the pilot program might align with existing Federal Housing Administration policy regarding nontraditional credit verification…

To read this notice in its entirety, please visit:  http://edocket.access.gpo.gov/2009/pdf/E9-17854.pdf

AND

HUD-FHA has more new career opportunities for qualified individuals.  Recently posted online are the positions of:

Office Assistant, Job Announcement Number: HQ-271768-DEU, DUTY LOCATION: Washington DC

Management Analyst, Job Announcement Number: DS-271776-DEU-FD, DUTY LOCATION: Atlanta, GA

The HUD-FHA Job Vacancy Announcements are posted at www.usajobs.gov Please visit that website to view the announcements, additional information and to search for additional new HUD job listings as they are posted.  HUD-FHA also has job opportunities in other locations around the nation.  Please bookmark and revisit www.usajobs.gov frequently to see the new jobs as they appear online. Application forms can be found at: http://www.usajobs.opm.gov/forms.asp

AND

FHA Training around the Nation:

August 5, 2009 – Energy Efficient Mortgage (EEM) Webinar. This Webinar explains how to obtain the “present value of the energy saved”; calculating the increased dollar amounts allowed for energy efficient packages, & how to underwrite an EEM. This training course provides realtors, home counselors, & lenders with added value for their services in a highly competitive market. Registrants will receive an e-mail confirmation prior to the webinar with a web link, a toll-free dial-in number, & instructions for participating in the training. Registrants must have Internet access. Registration Required. More info at: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.addRegisterEvent&eventId=148&update=N

August 10–13, 2009 – Sacramento, CA. Pre-Purchase I: Fundamentals of Pre-Purchase Homebuyer Counseling & Predatory Lending. Presented By National Council of La Raza & the National Consumer Law Center. Registration required, fee. For more info: http://nhnla.org/index.cfm?fuseaction=Page.ViewPage&PageID=538

August 17-21, 2009 – Chicago, IL. NeighborWorks® Training Institute. Attendees will benefit from a wide range of homeownership courses for community & housing professionals. Scholarships available for HUD approved housing counseling agencies. Registration required. More info at: http://nw.org/network/training/upcoming/CHINTI09.asp

August 19-20, 2009 – Oklahoma City, OK. National Servicing Center Early Delinquency Servicing Activities and HUD’s Loss Mitigation Program. This training is for HUD-approved mortgagees, HUD-approved Housing Counselors, & Nonprofit Housing Counselors. Registration required, no fee. For more info: http://www.hud.gov/offices/hsg/sfh/nsc/training.cfm

September 2, 2009 – Colorado Springs, CO. “A Day with FHA”. This FREE course consists of an informational overview on what’s new with FHA-insured mortgages & selling HUD homes. Additionally, it includes HUD’s Basic RESPA the new HUD-1 & GFE & our Fraud class. Course provides continuing education credits for licensed Colorado Real Estate agents & Appraisers. Registration Required. For more info: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registrationNotOpenError&eventid=158

September 10, 2009 – Greeley, CO. “A Day with FHA”. This FREE course consists of an informational overview on what’s new with FHA-insured mortgages & selling HUD homes. Additionally, it includes HUD’s Basic RESPA the new HUD-1 & GFE & our Fraud class. Course provides continuing education credits for licensed Colorado Real Estate agents & Appraisers. Registration Required. For more info: http://www.hud.gov/emarc/index.cfm?fuseaction=emar.registrationNotOpenError&eventid=157

September 15-17, 2009 – Sea-Tac, WA. FHA Lender Training. Learn about FHA processing, documentation requirements, FHA underwriting, mortgage calculations, underwriter responsibilities, automated underwriting, FHA appraisal & more. Recommended for Underwriters, Processors & Loan Officers. Earn 8 hrs WA CEU & originators can earn 24 hrs of CEU from ID. Sponsored by HUD & WMLA. Registration required, Fee. For more info: http://www.hud.gov/offices/hsg/sfh/events/swa091509.pdf

November 18-20, 2009 – San Diego, CA. National Reverse Mortgage Lenders Association Annual Meeting & Expo. Lenders, brokers & housing counselors welcome. Registration required, fee. For more info: http://www.nrmlaonline.org/

National Council of La Raza presents on-line webinar training for housing counselors. Visit their website for a schedule of upcoming courses. For more info: http://nhnla.org/index.cfm?fuseaction=Page.ViewPage&PageID=538

Foreclosure Prevention Workshops for Consumers. Looking for foreclosure prevention advice? Attend a workshop for homeowners sponsored by a community-based organization in your area. Visit the calendar on FreddieMac’s website. For more info: http://www.freddiemac.com/avoidforeclosure/workshops.html

The Illinois Mortgage Bankers Association (IMBA) conducts frequent training workshops for mortgage professionals on FHA subjects. Visit their website for a calendar of upcoming training opportunities. Fee. For more info: http://www.imba.org/i4a/pages/index.cfm?pageid=1

NeighborWorks® Training Institute conducts frequent training workshops around the nation for non-profit housing professionals. Scholarships are available on a limited basis for qualified non-profit agencies. For more info: http://nw.org/network/training/training.asp

The Basic Training Course for Home Equity Conversion Mortgage (HECM) counselors is now available on-line. For more info: http://www.hud.gov/offices/hsg/sfh/hcc/HECMonline050706.pdf

HUD has Webcasts that provide training for housing industry partners. A Webcast is a video you can watch right from your computer screen. HUD offers live Webcasts & an archive of previously aired training sessions & programs. For more info: http://www.hud.gov/webcasts/

The Illinois Association of Mortgage Professionals has frequent training courses for mortgage industry professionals. Visit their website for more information. Fee. For more info: http://www.mortgageeducationfoundation.com/

__________________________________________________________________________________________

Bulk subscriptions:

Some industry folks have asked, “How do I sign up my entire staff for FHA email updates?” It is easy… Just list your staff email addresses like this:

aaa@xyz.com

bbb@xyz.com

ccc@xyz.com

You can send in one email address or thousands. Email your list to: jerrold.h.mayer@hud.gov

If you have a mortgage or real estate industry friend who you want to subscribe to the national hoc reference guide mailing list, there are 3 other ways to sign up: 1. send them this link: http://www.hud.gov/offices/hsg/sfh/ref/hsgregst.cfm they can sign up for the email list there; or 2: forward them this email; or 3: Visit: http://www.usa.gov/ and subscribe at: http://apps.gsa.gov/FirstGovCommonSubscriptionService.php

To unsubscribe – go to: http://www.hud.gov/subscribe/index.cfm and click on “National Homeownership Center Reference Guide” and follow the unsubscribe instructions on that page.

____________________________________________________________________________________________

This is the FHA Single Family Housing listserv for real estate industry professionals that are interested in updates to Mortgagee letters, Notices, Guidebooks, Housing Counseling, FHA Reference Guide, Mortgage Limits, Career Opportunities, Grants, Contracting Opportunities & Housing Industry Training. Please visit us at: http://www.hud.gov/offices/hsg/sfh/hsgsingle.cfm or visit our new homepage at: http://www.fha.gov

You can find a directory of states that are serviced by the four FHA Homeownership Centers (HOC) on the web at: http://www.hud.gov/offices/hsg/sfh/hoc/hsghocs.cfm

Servicing lenders can visit FHA’s National Servicing Center on-line at: http://www.hud.gov/offices/hsg/sfh/nsc/nschome.cfm

For FHA technical support, please contact the FHA Resource Center: http://www.fhaoutreach.gov/FHAFAQ/ Search our online knowledge base and find answers to our most commonly asked questions.  Use “live help” to get on-line technical support.  You can also get email technical support at: info@fhaoutreach.com or phone FHA toll-free between 8:00 a.m. and 8:00 p.m. ET (5:00 a.m. to 5:00 p.m. PT) at: (800) CALLFHA or (800) 225-5342. Call FHA TDD at: (877) TDD-2HUD (877) 833-2483).

FHA Handbooks 4155.1 Mortgage Credit Analysis and 4155.2 Lenders’ Guide to Single Family Mortgage Insurance Processing are available now available in a new online and searchable format at: http://www.fhaoutreach.gov/FHAHandbook/prod/index.asp

To find the FHA S/F Reference Guide on-line please visit: http://www.hud.gov/offices/hsg/sfh/ref/hsgrcont.cfm

Find out about FHA training by visiting our Events and Training calendar at: http://www.hud.gov/offices/hsg/sfh/events/events.cfm

Do you want to find out about current HUD Contracting Opportunities? To obtain a listing of the current opportunities please visit: http://www.hud.gov/offices/cpo/index.cfm

Do you want to find out about career opportunities at HUD?  Visit: http://www.usajobs.opm.gov/ Please see the HUD section at: http://jobsearch.usajobs.opm.gov/a9hud.asp Application forms can be found at: http://www.usajobs.opm.gov/forms.asp

Find out about grant opportunities by visiting HUD’s Funds Available website at: http://www.hud.gov/offices/adm/grants/fundsavail.cfm

For all FHA publications visit HudClips at http://www.hud.gov/offices/adm/hudclips/index.cfm You can order hardcopies at: http://www.hud.gov/offices/adm/dds/index.cfm

Do you need to find a FHA form? You can also find all FHA forms on the HUDClips website at: http://www.hud.gov/offices/adm/hudclips/forms/

For information on Presidentially Declared Disaster areas and to learn how HUD can help, please see: http://www.hud.gov/offices/hsg/sfh/nsc/disaster.cfm or contact the National Servicing Center in Oklahoma City, 1-888-297-8685.

This list does not provide HudHome property listings. To see the latest list of all HudHomes nationwide please visit: http://www.hud.gov/homes/homesforsale.cfm

This list will often provide training opportunities and event announcements for non-profit and local government HUD partners. HUD does not endorse the organizations sponsoring linked websites, and we do not endorse the views they express or the products/services they or their community/business partners offer. For more information on HUD’s web policies please visit: http://www.hud.gov/assist/webpolicies.cfm

Thank you!!!

Real Estate Investing in 2009 And Beyond. 27 Jul. Posted by admin as Home Based Business. It is likely that you think of a number of things when you hear the words real estate investing. You may think of real estate investing as real …


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