Be Ready to Refinance when rates hit the magic mark. Often the dip in the interest rate only lasts a few hours. Ask your mortgage broker to update your file and alert you so you can lock in fast.  Refinance properties with balloon payments and those you plan to hold long term.

How will you know the rate is magic? Use a mortgage calculator to look for an interest rate that will reduce your payment at least $200 per month and recover the closing cost within 2 years. All things are relative, so if your home is in the Luxury price range, the savings should be even greater.

It is a good habit to ask your mortgage professional to up date your file every year when your work on your tax return. Ask if there are flags in your credit that might make a loan cost you more, and how to resolve those issues. You annual mortgage check up is a good time to learn how Fanny Mae’s risk based pricing will affect your loan.

You do have a professional mortgage broker don’t you? Do you have a team of professionals including a doctor, lawyer, stock broker, insurance agent and accountant? Add a mortgage professional and Realtor to that team. They will help you safeguard some of your most valuable assets.

E-mail SMART@JoyceMurphyRealtor.com and type “Loans” in the subject line for more information. 

Joyce Murphy Realtor 808-443-4302
www.JoyceMurphyRealtor.com  www.KonaBigIsland.com

Licensed Broker Hawaii and Florida

Aloha,

EACH NEW YEAR BRINGS CHANGE and in 2009 my business has taken off on its own. I am now licensed to provide the services of real estate in Hawaii as Joyce Murphy Realtor.  With some regret I have left Hawaiian Isle Real Estate, LLC. To answer the question so many have asked, I remain devoted to Hawaiian Isle, Gretchen Lambeth and all my friends there are some of the finest, most honest and professional agents I have ever known. We will be continue business together and will co-list property. I am sure Gretchen will always amaze and challenge me.  

THE OPPORTUNITY TO SHAPE and develope my own business vision is part of the reward that comes from working in this industry. During 2005, we sold two well known offices on the Space Coast of Florida, King Rentals, Inc. and King Real Estate Sales, Inc. With the help of Jan Petersen, I continue to own a business in Cape Canaveral, Florida as Luxury Real Estate Florida, Inc. The Florida market remains one of the most challenging in the country, but that company has settled quietly into a comfortable niche and is preforming even better than expected. Find links to all my business concerns at www.JoyceMurphyRealor.com. Now I am excited about this new venture in Hawaii.

SOON I WILL LICENSE a new Hawaii corporation, Kona Homes Inc.  The slogan, ”In Real Estate, Experience Counts” will continue to be used in Florida but will take second place to, ”Real Estate SMART” in Hawaii. I can hardly wait to roll out a new SMART campaign.

SEND YOUR CLUES TOO! If  you have a clue to market trends that can help us all be “Real Estate SMART”, please share them in the comment section below or e-mail me@JoyceMurphyRealtor.com.

Mahalo,
Joyce Murphy, Broker 808-443-4302
Joyce Murphy Realtor and Luxury Real Estate Florida, Inc.

 Click REOs@JoyceMurphyRealtor.com and type “Send REO Updates”

Because these properties are not listed by Hawaiian Isle Real Estate, I can work as your Exclusive Buyer’s Representative to prepare your offer.

Joyce Murphy, R(B) Accredited Buyers Representative

 REO listings on 11/9/2008

South Kohalo – North Kona – South Kona

21 listings represent most but now all REO’s currently available

Copyright 11/9/2008 by Hawaii Information Service MLS Provider

Most, but not all of the repossessed properties currently on the market on the west side of the Big Island are listed here. These are REO, Real Estate Owned by banks NOT SHORT SALE properties. Replies to your offers usually come within a week and contracts are not typically subject to third party approvals.

The Selling Banks have their own agent. I am therefore free to represent you as the Buyer’s Agent negotiating on your behalf in transactions involving any of these properties. Over 20 of my 30 plus years in real estate were spent representing real estate investors.

 Put my experience to work for you. I’ll walk you through the process. Click HERE to see the value added services I offer my clients.

Joyce Murphy R(B) Hawaiian Isle Real Estate LLC

e-mail  me@JoyceMurphyRealtor.com 808-443-4302

Licensed Broker in Hawaii and Florida

Broker/Owner Luxury Real Estate Florida, Inc.

I have a hunch my grandmother would not have died for your right to vote!

Controversy is not the aim of this blog, but since Sarah hit the scene, a lot of e-mail from other women my own age has been finding its way to my computer.  The Alaskans I know seem to love her.  But, it would appear that women of my age group don’t consider Sarah much of a woman’s woman. This election does have us thinking about how far women come. 

As a teenager my grandmother amazed me when she told me that she voted in the first election in which women were ever allowed to vote.  The concept that women had not always possessed all the same rights as a men was just beyond me then! It appalled me when Granny said it is a woman’s responsibility to vote the same way as her husband.  So, I guess you can imagine how I reacted when, at age 19, I was told a guy with half a brain got the promotion I wanted because, being male, he would eventually have a family to support.

There has been a lot of talk lately about the progress women have made during the past 30 years. My generation wonders if young women know how recent and hard won their equality is. We perceive human rights, civil rights and women’s rights at the heart of  today’s international cultural conflicts.  

The photo and story below was sent to me by a friend. I hope you will consider sharing it with your daughters and sons.

WHY WOMEN SHOULD VOTE?

This is the story of our Grandmothers and Great-grandmothers; they lived only 90 years ago.  Remember, it was not until 1920 that women were granted the right to go to the polls and vote. The women were innocent and defenseless, but they were jailed nonetheless for picketing the White House, carrying signs asking for the vote. And by the end of the night, they were barely alive. Forty prison guards wielding clubs and their warden’s blessing went on a rampage against the 33 women wrongly convicted of ’obstructing sidewalk traffic.’

Thus unfolded the ’Night of Terror’ on Nov. 15, 1917, when the warden at the Occoquan Workhouse in Virginia ordered his guards to teach a lesson to the suffragists imprisoned there because they dared to picket Woodrow Wilson’s White House for the right to vote. For weeks, the women’s only water came from an open pail. Their food–all of it colorless slop–was infested with worms. 

(Lucy Burns) They beat Lucy Burns, chained her hands to the cell bars above her head and left her hanging for the night, bleeding and gasping for air. 

(Dora Lewis) They hurled Dora Lewis into a dark cell, smashed her head against an iron bed and knocked her out cold. Her cellmate, Alice Cosu, thought Lewis was dead and suffered a heart attack. Additional affidavits describe the guards grabbing, dragging, beating, choking, slamming, pinching, twisting and kicking the women.

(Alice Paul) When one of the leaders, Alice Paul, embarked on a hunger strike, they tied her to a chair, forced a tube down her throat and poured liquid into her until she vomited. She was tortured like this for weeks until word was smuggled out to the press.

 http://memory.loc.gov/ammem/collections/suffrage/nwp/prisoners.pdf 
  
So, refresh my memory. Some women won’t vote this year because–why, exactly? We have carpool duties? We have to get to work? Our vote doesn’t matter? It’s raining?

Last week, I went to a sparsely attended screening of HBO’s new movie ‘Iron Jawed Angels.’ It is a graphic depiction of the battle these women waged so that I could pull the curtain at the polling booth and have my say. I am ashamed to say I needed the reminder.

All these years later, voter registration is still my passion. But the actual act of voting had become less personal for me, more rote. Frankly, voting often felt more like an obligation than a privilege. Sometimes it was inconvenient. My friend Wendy, who is my age and studied women’s history, saw the HBO movie, too. When she stopped by my desk to talk about it, she looked angry. She was–with herself. ‘One thought kept coming back to me as I watched that movie,’ she said. ’What would those women think of the way I use, or don’t use, my right to vote? All of us take it for granted now, not just younger women, but those of us who did seek to learn.’ The right to vote, she said, had become valuable to her ‘all over again.’

HBO released the movie on video and DVD . I wish all history, social studies  and government teachers would include the movie in their curriculum. I want it shown on Bunco night, too, and anywhere else women gather. I realize this isn’t our usual idea of socializing, but we are not voting in the numbers that we should be, and I think a little shock therapy is in order. It is jarring to watch Woodrow Wilson and his cronies try to persuade a psychiatrist to declare Alice Paul insane so that she could be permanently institutionalized. And it is inspiring to watch the doctor refuse. Alice Paul was strong, he said, and brave. That didn’t make her crazy. The doctor admonished the men: ‘Courage in women is often mistaken for insanity.’ 

Please, if you are so inclined, pass this on to all the women you know. We need to get out and vote and use this right that was fought so hard for by these very courageous women. Whether you vote democratic, republican or independent party – remember to vote.