Articles

Friday, January 26, 2007

Real Estate Mortgage Loan: How to Prepare Yourself to Save Money

Besides your credit score and the other five qualifications you must meet to finance a real estate mortgage loan, you need to gather papers and documents. Speed up your financing and make your life easier. Organize your papers into a three-ring binder or file system. You wont need all of the documentation listed below. However, the more information you gather, the more likely you will be to get the best loan rates. Keep in mind that all of these documents may not be needed for all types of loans.

Documentation Required for Real Estate Mortgage Loan

Whether you want to buy your first home or many investment properties to build wealth, this checklist will help you save money on loan costs.

1. Proof of Income

Include copies of your last two pay stubs or other proof of employment and income verification. If you are receiving fixed income like trust income or social security, then include the beneficiary letter stating how much you get.

For self-employed, you will need to prove that you have been in the same line of work or business for two or more years.

If self-employed, show a copy of your business license for two or three years to show you have been in that business for at least two years. If you dont have these, then show whatever you do have to evidence you have been in business for at least two years in the same line or business field. You may also ask a CPA to amend your income tax returns for the previous two years and then write a letter verifying that youve been self-employed for at least two years.

2. Tax returns

Provide tax returns for the last two years or at least the last two years of W2s and/or 1099s if you dont want to disclose tax returns.

If youre self-employed, the mortgage company may require your personal and business tax returns for the previous two years and your companys year-to-date Profit and Loss Statement. If you own a business, you may need a Financial Business Statement prepared by an accountant.

3. Bank account records

Gather your account numbers, address of your bank branch, along with checking and savings account statements for the previous two-to-twelve months. You only need the last two months bank statements in most cases. Most lenders will only need twelve months bank statements when you are trying to get a "full doc" loan (with the best rates) instead of stated income for a self-employed individual. Talk to your loan officer about whether twelve months of bank statements will help you get a better rate.

Include all bank accounts, savings accounts, retirement accounts, and investment accounts. Include any account that you sign for, even if your spouse also signs on the account, and even if your spouse does not apply for the loan with you. Financial assets like these are considered important by lenders as a reserve, particularly now that property values are not rising as quickly.

4. Driver's license and social security card photocopies

5. Proof of housing payments

Whether you own or rent, you must document your housing payments. Credit reporting agencies list mortgage payments. Provide copies of your mortgage statements or a copy of your lease agreement with twelve months of checks showing rent payments on time.

If you rent your home from a professional management firm, they can verify that you have paid rent on time. If you rent from a private party, most lenders (though not all) will require you to show canceled rent checks for twelve months.

6. Major assets (other real estate owned, automobiles, boats, antiques, stocks, etc.).

You dont have to include individual stocks if you own shares in a mutual fund or hedge fund. Just provide the latest fund statement. Include vested cash value of whole-life or universal life insurance policy, if any. (Cash value is not the same as the face value. Cash value is what you would get from the insurance company right now, if you surrendered the policy while still alive.) If there are antiques or other collectibles, provide only the total collection value; you dont have to itemize.

7. List of debts (car loans, furniture loans, student loans, and credit cards)

Even though the debts will be on the credit report, you must be aware of all of your debts so that you can tell if the credit report has mistakes. Include any debts that you have co-signed for, like when you co-sign for a childs car.

8. Divorce settlement papers, if applicable, no matter how far back in time

9. Delinquent or inaccurate debts or credit report items

If you paid a collection, judgment or lien (especially a tax lien or other lien against your house), include proof of payment.

10. An irrevocable gift letter if you are receiving a monetary gift from a relative.

11. Purchase agreement (for new purchase).

Provide a copy signed by both parties, including all the signed disclosures.

12. Items needed for a refinance

Furnish copies of your note and deed of trust, home insurance declaration page, copy of your last property tax bill.

13. If you own investment real estate in your name, you need rental leases for each of your properties, plus the items listed in #12 for each of your properties.

14. Bankruptcy

Supply all pages and schedules for any bankruptcy filing within the last seven years, and the discharge sheet, for any type of bankruptcy (Ch 7, Ch 11 or Ch 13). Bankruptcy must be discharged before the date of the loan application.

Preparation Leads to Financial Freedom

Talk to your loan officer to see which documents you need to copy and send. Prepare your credit and your real estate mortgage loan documents so you can buy your dream home and even multiple investment properties.

Copyright Jeanette J. Fisher

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A Superbowl Victory

Most people watched the Superbowl out of shear entertainment, while taking it quite seriously at the same time. It gives their fans a sense of comradary and pride. There's nothing like a football game to unite people. Most of them know the rules inside and out and can make the calls quicker than the announcer. This leaves me asking, if so many people can understand this game, why don't they know God's rule book of plays in their own lives?

If more people would put that amount of time and effort that it takes to memorize all the players' statistics, why then can't they learn the statistics that God has given us for our own good? It's very clear that when we learn the proper plays in life as we go up against the opposing team, we will be more than just conquerors, we will be victorious! Everyone loves to have a victory in their life but do little about it.

As the game started out, the Sea Hawks won the kick off and got their first 3 points. I'm not saying that the Sea Hawks are the enemy, they aren't, but in God's world, we all have a very real enemy called Satan. He opposses us at every play. Once he gets his foot in the door, or his first 3 points, it's almost impossible from keeping him from coming all the way in...unless you know what your game plan will be to keep that from happening. Fortuneatly for the Steelers, they did know what to do.

The thing about the Steelers is, not one player acted any better than anyone else. In fact, they all pulled their weight and then some. They pulled together. When pride enters into our lives, the enemy will use that to beat us down. So through team effort, the Steelers came back with a 7 point touchdown and the game just proceeded from there to the Steelers advantage. The Sea Hawks could not over take them after that. But they tried valiantly, just as Satan will do to us. He will use stronger stradegies and hit harder.

In our Christian lives, we need to know without a doubt how we are going to oppose our enemy from taking the game over. Remember; just keep focused!

First of all, as we are new to this walk this is where we need to get all the practice we can get, we are still rookies. It's these rookies that Satan is waiting to recruit back to his team. If you don't stay strong in your game, you will be traded back to him before you know what happened. As any football player knows, his skills and knowledge comes from alot of time and effort put into it, until they know it inside out. It's no different for Christians who want to be at the top of their game either. Since God's Word can be overwhelming at first, we need to gather together with other Christians regularly to learn and to grow. That is why God gives us our coaches. They spur us on, they make us understand the plays to our advantage. The end result is to realize that all of our training is to honor God. The Steelers wanted to make their city of Pittsburgh proud of them also.

If you are serious about being a team player for God, you have to recognize the authority of Christ as your leader. You have to learn to humble yourself and serve Him by serving others. You can no longer be in the center spot light. But just as Big Ben gets most of the attention, he could not have done that one important play without the help of Heinz Ward. We need Christ to partner with us also in order to make our winning touchdowns! We can't do this game without the help of our Christian team players. God gives us pastors, preachers, teachers to talk with us and give us the rules to His game. If the football players didn't listen to their coaches, they would not be playing pro footabll. We must learn to respect the authority of those He puts in our lives. Our time of study and meditation takes alot of practice in order to get it just right. It doesn't all happen over night, or even in one lifetime. But the most important thing to remember is to keep doing what you're doing. It takes dilegence, patience, time, practice, and endurance. It's not a question of ever giving up. Yes, it's a hard road, but it's worth it in the end. Just ask any of the Steelers. They kept their eyes on the prize and now can say the acheived it! And I can't help but believe that they give all the credit to the Lord for their victory. God honors this.

"For whatever is born of God is victorious over the world; and this is the victory that conquers the world, even our faith. Who is it that is victorious over the world but he who believes that Jesus Christ is the Son of God (who adheres to, trusts in, and relies on that fact)?" 1 Jn.5:4-5 (Amplified)

Life is not all about football, but it does give us a sense of comradery and it also gives us a new insight in which to observe this game. Will you ever watch it the same way now knowing that your own life is based on the same principles?Is your life worth the time and effort of learning the stradegy plays between life and death as much as knowing the rules of a football game? Get determined to make your own touchdowns!

To me, I think football is alot more complicated than learning the True Word of God. At least I know if I make the right moves and do the plays His way, then I am sure to be victorious! I no longer just take it in a passive "whatever" kind of attitude. I am now determined to win!

This reminds me of how passionate people are about their home teams, but where is their passion for Christ? Is it lukewarm? I pray that it isn't because this is what Jesus says about those who are:

"I know your (record of) works and what you are doing; you are neither cold nor hot. Would that you were cold or hot! So, because you are lukewarm and neither cold nor hot, I will spew you out of My mouth!" Rev. 3:15-16 (Amplified)

What will your scoreboard say when your game is over? Will Christ spit you out or will He embrace you in His loving arms?

To be a winner in God's team is to know you are not a loser!

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Road Trip - Vintage Car Auction

I might be running 33 years late but Im certainly making up for lost time. I am undergoing a most demanding induction course into the automobilia world and steering me unflinchingly, while barely peering over the dashboard, is my eight year old son. Whisper it softly but I do vaguely recall a passing infatuation with cars at that age. The passing soon passed, however, and I became deeply immersed in footballing ephemera instead. It wasnt enough for me to simply play or even, from time to time, attend a big match. I can remember still the pinch of excitement as I opened my new packets of football stickers, sharing joy and pain with my friends, concocting shady transfer deals behind closed doors and wondering if I was ever going to see George Best again. This was but a prelude to a more sinister development, whereby I started recording the results of imaginary matches in my exercise books, complete with scorers, half times, crowds and league positions, if appropriate. Oh, I did things properly. If theyd handed out prizes for footballing obsession, Id have hoovered up every time.

There is often a thin dividing line between passion and obsession and my son is already starting to exhibit some disturbing parallels with his father. My relationship with cars hitherto has been strictly of the A to B variety. In other words, as long as I can reach my destination safely, securely and speedily, Im a pretty happy bunny. I am strangely unmoved by upholstery, sound systems, alloy wheels and other delights. I have never spent an afternoon washing my car. My son, however, spent an hour painstakingly polishing and sprucing his car yesterday. And as for the remote control, glad you asked, a solid ten minutes checking the electrics.

Yet it all started so innocently. An occasional reference to a car in the street was an entirely natural form of curiosity. My mumbled acknowledgement was usually enough and we went on our merry way but I felt a frisson of alarm as my son started to recognise cars hed seen before and ask me about them too. The first time this happened I thought he was talking to someone else until he looked me in the eye with a quite disarming sincerity and repeated the question. Dad, did you see that red Porsche, isnt that the one from the end of the street I showed you last week? That was so cool, how fast did it go? Can we go in one?. Well, theres off guard and theres on the canvas. As I groggily sought to compose myself, I nonetheless realised that my son had achieved a major landmark. Hed entered football sticker country.

No longer would my studied nonchalance suffice. My son was already in second gear while I was groping for the ignition. I could have handled simple car spotting but my son started to display a much wider repertoire, engaging in a running commentary on every journey and inviting from me, normally at a moment of maximum inconvenience, some expert analysis on the virtues of the latest BMW convertible

Frankly, I was rocking. I was all over the place when, quite serendipitously,echoing that unforgettable proverb that Ive unfortunately forgotten, I got very lucky indeed. I was sitting in a sushi bar intermittently dabbing at a proof I was reviewing while watching a conveyor belt, with all the contours of a Scalectrix track, pass before me carrying an assortment of dishes. It all looked pretty tasty but the tastiest thing of all was the ingenious billing process. Nobody took my order so I just helped myself as, indeed, did everyone else. As I munched away, while simultaneously tiptoeing around the proof, admiring the female population, worrying about Arsenals recent form and staring vacantly into space I believe its called multitasking I had a sudden epiphany. Each bowl was painted with a different trim around the rim. There were pink or green or blue or whatever stripes around each and they all had a different price, reflecting their contents. At the end of the meal, you might tot up three green for 3, two red for 4 and an orange for 5. As I ruminated upon this creative thinking, a familiar face sidled up to the stool next to me. It was none other than Robert Brooks, chairman of Bonhams and a doyen of the classic car auction market. We exchanged small talk before my eye was inextricably drawn to the catalogue he had evidently intended to read over lunch.

The catalogue related to a forthcoming sale by Bonhams of classic cars and related automobilia. As we chatted away, I hinted that my son was leaning that way and the conversation dramatically moved on to an altogether higher plane. I then let slip, accidentally on purpose, that my father in law had been a racing driver of some repute in the 1950s, notably for Jaguar and Allard, and that his old AC might still be lurking in the garage. Instantly, the catalogue was thrust into my hand as was an open invitation to join Bonhams at the next Festival of Speed at Goodwood. As this famous circuit is but a mile from our house in Sussex, even I may struggle to find any logistical obstacles to our future attendance, unless Arsenal obligingly have a home fixture that weekend. I suddenly felt a hot flush at the prospect of my son and I fighting off the groupies as we were ushered into the pits to mingle with the cognoscenti and talk race tactics. Then again, probably a belated reaction to those Japanese pickles.

I could tell my son was very impressed. His knowing look told me Id found first gear. He pored over the catalogue, enthralled by the wonderful photographs, and I had to admit that there were some fabulous motors. The mechanical aspects left me stone cold but the voluptuous lines of many of the post war sports cars warmed me up considerably. Although I wouldnt recognise a camshaft if it introduced itself to me personally, I can certainly recognise a thing of beauty when I see it. I could quite understand why so many of these models, with their gorgeous styling and lush interiors, have become design icons in their own right.

Then I took a quantum leap. I bought a copy of Classic Car. There was plenty for the obsessive, ranging from the rebuild of some obscure, but paradoxically important, car to fantastically detailed classified advertisements. The most interesting revelation for me, however, apart from my conspicuous failure to correctly identify two cars in succession, was the coverage of auction activity. I discovered that Coys were conducting a sale in ten days time but a mile or two up the road in the grounds of Chiswick House, formerly a family home of the Duke of Marlborough and now owned by English Heritage.

The sale started at 10am. I had loosely intimated to my son that wed aim on a 9am departure but, in the manner of excitable eight year olds everywhere, he took it all too literally. As ever, morning had arrived about three hours too early for me and, when I eventually stumbled downstairs, I found him almost consumed by anticipation. I gathered my bits, took a bottle of water to cool his engine and we were on the road. I had a reasonable idea of the location of the house which was just as well, since the map I had printed off told me everything and nothing at the same time. It was a largely uneventful journey, punctuated only by my impatience with sleepy drivers and my sons impatience with sleepy me. Then, lo and behold, a sign and we were there. We followed a dribble of middle aged men walking along a wide path to nowhere whereupon, looming beyond the trees, we were confronted by two enormous marquees. There were cars dotted all around and my son was so enraptured that I almost had to frogmarch him inside for the main event. I buckled under the weight of the catalogue, truly a labour of love, gathered myself and entered.

There must have been some twenty five cars in immediate view. The vintages were redolent of museum pieces and, though we prodded and probed, I cant say we lavished them with attention. Conversely, I was intrigued by the rows of old bicycles while my son, realising you were actually encouraged to handle the goods, was caressing a silver Aston Martin as he cast his eye at all the other wonders that awaited him. I decided to register as a bidder as even the wildest optimist in me knew that it would be nigh on impossible to leave unscathed with an increasingly passionate eight year old by my side. I picked up my paddle, scanned the horizon for my son, and salvaged him from the undercarriage of an admittedly dashing Jensen.

Admiring, touching, caressing, yes, that again, we ambled into the auction itself. I wouldnt say the joint was jumping but the sale moved pretty swiftly. I looked at the catalogue and it dawned on me that this would be an all day affair. The main event later in the afternoon would be the sale of some fifty cars and I expect the arena would then have filled out appreciably. We were participating in the undercard but it was entertaining enough simply being there. My son pottered about viewing memorabilia, cups, toys and so forth while I took the opportunity to properly read the catalogue, enjoy the banter in the room and vainly hope that I might pick up some pearl of wisdom from the assembled enthusiasts.

As one lot followed another and I resolutely clasped my paddle to my breast, I sensed my son was becoming a little agitated. There were still about 700 more items to go under the hammer but, after numerous skirmishes, including a very near miss with a replica piston pump, a cock up of Berlusconiesque proportions, I ultimately succumbed. My son was the proud owner of a 1970 odd limited edition Ferrari. I was much more fascinated by its accompanying box that not only further legitimised its authenticity, as does a dust jacket to a book, but also told me that it had been cared for by its previous owner. I liked that.

Two further lots invited particular scrutiny. The first was an exceptionally scarce game dating from the late 19th century, formed around famous cyclists of that era. It was circular and painted and possibly French but my lingering thought was that, much as I could not afford it, it should go to a good home. The other lot I could afford and I bought it with my father in mind. This was an amusing and uncommon promotional pamphlet from the late 1920s for Alvis that adapted the style of The Man Who series by H.M.Bateman. It is one of my fathers understated regrets that he sold the Alvis he owned some thirty years ago and that, when he came to reverse that decision, he discovered the car was no longer in production. It struck me as faintly ironic that the pamphlet was entitled The Terrible Fate Which Befell The Man Who Did Not Buy An Alvis. As we wandered back to the cashier to settle our purchases, my son insisted on sitting in virtually every car we passed. He was in his element, joy unconfined, as he twiddled with the knobs and spun the steering wheels, while luxuriating amid the resplendent wood panelling and upholstery. His joy became my joy, his beaming smile suffused with the magic of the moment. Wed come a long way together.

More prosaic matters then presented themselves, over a somewhat shorter distance, as we contrived to get lost seeking the car park. My legendary sense of direction ensured we had a very pleasant walk through the pergola but took a most circuitous route back. By this stage, I was ready to lie down, preferably in a darkened room, somewhere quiet and remote. Instead, I had to grapple with the fact that we were on the wrong side of the dual carriageway and needed to be home for the rest of the clan in the next fifteen minutes. After executing a quite masterful three point turn which surprised me, let alone my son, we were off and running. I had a nagging suspicion, however, that I might have peaked a little too early in my induction course and, boy, were my instincts hot.

A week later came another day of reckoning. Acknowledging that his recent acquisition was not equipped for a run in the park, especially minus any batteries, my son decided we should take his other model instead. It was supposed to be a quick twenty minute spin around the park, testing it for speed, durability and a few fancy tricks. It was all a bit humdrum after a while so I decided to spice things up a bit. In what I can only describe as a moment of madness, I suggested a game whereby we had to direct the car along the pavement towards the nearest lamppost within a specified time. My son made it look easy. I made it look very difficult.

It was difficult enough remembering which way the controls moved without having to contend with divots, litter, pedestrians and sundry other obstacles. Although my son generously extended my handicap, I was already 5 0 down by the time we were alongside the tennis courts. And it was precisely here that I delivered my coup de grace. My abject performance thus far encouraged me to at least sign off with some aplomb and so, at full speed, I charged off. I was actually making a decent fist of it for once when my concentration was shattered by a whoop of delight on Court Six. A pulsating rally was over and, distracted by the hubbub, I witnessed the car pirouette and turn sharply. As if transfixed by this remarkable manoeuvre, I watched, disbelievingly, as it rotated a full 360 degrees and trundled, almost apologetically, under the wire and straight on to the aforementioned court. I wasnt sure if the applause was directed at the players or at me but then my sense of direction, as you may be aware, leaves much to be desired. Ill be wearing my L plates for a while yet.

Phishing with a Net

When geeks gave us the Internet and the means to use it, they also gave us a new segment of vocabulary ...

I've often thought it a shame that a few of them didn't make their way to a campus literature or marketing department and see if a student of poetry or sizzle could assist them in assigning names to their innovations. For example, did the manual cursor operator have to be called a 'mouse?'

Geeks have overtaken sports-speakers when it comes to coining bad phrases. I've never understood why basketball types say a player 'kicks out' a ball to a teammate on the perimeter when his feet never touch it. Worse yet, I've always wondered if a gridiron football player would really want to dive on the ball if the carrier truly 'coughed it up!' That bit of literal imagery is more revulsive than handling a mouse. Do these guys really think about what they're saying?

There is one instance, though, where the geeks thought it through and got it right. 'Phishing' is a perfect connotation for cyber-cons who troll for prey.

The word's spelling distinguishes this nefarious activity from a sporting endeavor, but it's still a game. The definition that's been developed for it is "a technique used to gain personal information for purposes of identity theft, using fraudulent e-mail messages that appear to come from legitimate businesses. These authentic-looking messages are designed to fool recipients into divulging personal data such as account numbers and passwords, credit card numbers and Social Security numbers."

Another term that alludes to the emotive consequences of cyberobbery is the perjorative sense of 'hacker.' That bit of etymology seems to be a work in progress. The accepted definition refers to "individuals who gain unauthorized access to computer systems for the purpose of stealing and corrupting data." However, the added qualifier is, "Hackers, themselves, maintain that the proper term for such individuals is cracker."

Being hacked or being cracked makes little difference to those on the receiving end. They just know they've been had. Understandably, their first impulses are to get mad and want to vent. My contention is that, most of the time, they're lashing out in the wrong direction. After all, crooks are crooks; that's their job and they're out there in numbers. That's not going to change anytime soon.

These victims need to take a hard look at themselves.

The economics of law enforcement --- in cyberspace or elsewhere --- limits what can be investigated and prosecuted. Thus, smart spoofers often keep their 'take' per scam campaign at levels sufficiently low that the cost of prosecuting them is not viable. Then, they change their coordinates, plus their identities, and do it again.

So, obviously, the most important factor in cyber-diligence is self-precaution. Most steps are basic, as evidenced by the checklist on the USA government's Federal Trade Commission website:

"If you get an email or pop-up message that asks for personal or financial information, do not reply. And dont click on the link in the message, either. Legitimate companies dont ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the companys correct Web address yourself. In any case, dont cut and paste the link from the message into your Internet browser phishers can make links look like they go to one place, but that actually send you to a different site.

"Use anti-virus software and a firewall, and keep them up to date. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge.

"Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage; and that updates automatically.

"A firewall helps make you invisible on the Internet and blocks all communications from unauthorized sources. Its especially important to run a firewall if you have a broadband connection. Operating systems (like Windows or Linux) or browsers (like Internet Explorer or Netscape) also may offer free software 'patches' to close holes in the system that hackers or phishers could exploit.

"Dont email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through an organizations website, look for indicators that the site is secure, like a lock icon on the browsers status bar or a URL for a website that begins 'https:' (the 's' stands for 'secure'). Unfortunately, no indicator is foolproof; some phishers have forged security icons.

"Review credit card and bank account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.

"Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computers security.

"Forward spam that is phishing for information to spam@uce.gov and to the company, bank, or organization impersonated in the phishing email. Most organizations have information on their websites about where to report problems.

"If you believe youve been scammed, file your complaint at ftc.gov, and then visit the FTCs Identity Theft website at www.consumer.gov/idtheft. Victims of phishing can become victims of identity theft. While you can't entirely control whether you will become a victim of identity theft, you can take some steps to minimize your risk. If an identity thief is opening credit accounts in your name, these new accounts are likely to show up on your credit report. You may catch an incident early if you order a free copy of your credit report periodically from any of the three major credit bureaus."

If you use e-currency or e-payment services, be aware that they are usually not liable for any of your losses if you've been hacked or cracked due to identity-theft issues. All reputable services have support divisions that investigate any complaints of spoofing --- for example, Paypal asks you to mail them at spoof@paypal.com if you receive a suspicious message using their name --- and if anyone is going to pursue, or at least keep on file, complaints of any amount, it will be them.

Virtually all e-currency services offer options of 'virtual' keyboards for logging in to accounts. They may be a bother, but they are very effective at adding a formidable obstacle for cyber-invasion. Then, whether or not you took this step to access your account, make sure you take the time to actually log out of your account, as opposed to merely clicking away to your next site.

I note that the Longer Life site has two very good preventive products as sponsors, Kaspersky Labs and Identity Guard. They are first-class products and well worth your while to consider.

This stuff doesn't take long to research or to implement and you don't have to be a geek to do it. You don't even have to know their their terminology. Instead, when you're done, you can confidently refer to a familiar term in both sports and banking:

Safe.

Getting Hearts and Hands Ready for the Holidays

"At Christmas play and make good cheer, For Christmas comes but once a year." -Thomas Tusser

OK. Thanksgiving was wonderful, visiting with family and sharingfun stories and adventures; laughing around the dining roomtable, enjoying favorite stuffing and pies; watching parades andfootball games; and counting your many blessings.

It is now time to turn our attention to the many preparations for Christmas. Coming from a Christian perspective, I can speak for the anticipation which we all feel to celebrate the birth of the Christ-child. It brings us wonder each and every year, and the time and energy we put into its celebration never wanes. As I watch my Jewish friends prepare for Hanukkah, I sense, too, the joy with which they prepare celebrations with loved ones.

The gift of sacrificial love is the true essence of Christmas.

Teaching your children to give generously and to give cheerfullymodels the life of Christ. Our God, who created each one of uswith more love than we can imagine, desires this same outpouringof love to others, and it is at Christmas that we likewise shareour love through gift-giving and through acts of generosity andhospitality. We are buoyed by the "Christmas spirit" because itis through giving--rather than receiving--that we receive themost joy. Pausing to think about others, about their needs anddesires, and extending yourselves to their benefit, brings deepinner satisfaction not found any other way.

Have you made your list of those people with whom you want toshare the Christmas spirit?

Consider giving small, inexpensive gifts to a large list, rather than more extravagant gifts to a very few loved ones.

When Ithink of the model of giving I want to pattern for my own family, I cannot exclude from the list those folks who cross my path on a daily basis--in one way or another--who may or may not have yet reached into close friendship with me. And so I am always thoughtful for small yet kind ways in which I might extend generosity.

Extend your circle of concern.

Think not only of what members of your own family would appreciate at Christmas. Think of cousins and aunts and uncles, and of closest friends. And don't stop there. Extend your circle. Think of your mail carrier, pet groomer, your pediatrician's office staff, the folks at your gym, your neighbors, friends of your children, office workers at youor your spouse's place of work, your manicurist, thelandscaper....think through the flow of your typical week andthose people who enter your life on a regular basis. If they areserving you in some capacity, isn't it kind to remember them now?

Many people refrain from practicing generosity to those outsidetheir small circle of concern because of the lack of money withwhich to do so. But inexpensive gifts can be handmade for pennies if we will only stretch our imaginations and put our hands--and those of our children--to good use.

Look to nature and to materials right outside your front door

Free for the asking and the picking: a fresh bouquet of greens--evergreens, magnolia leaves, and berries, tied with a gorgeoussilk ribbon--would be cherished by any receiver.

Tiny bird nest ornaments fashioned from Spanish moss, filled with speckled beans and a silk butterfly, and with a wooden clothespin glued from underneath, make delightful gifts for children and adults alike. My own tree is filled with them.

Collect pinecones and make an arrangement with them. Yourthoughtfulness will be appreciated and it will have cost nothingmore than a walk in the woods.

Homemade candies or cookies wrapped in inexpensive cellophanebags look elegant tied with ribbon and make perfect gifts forvirtually anyone on your list.

Miniature baskets filled with one tiny, simple gift, are perfect for your children's friends.

Remember: children love exaggeration; anything diminutive (or enormous!) appeals to their sense of wonder.

Homemade "snow globes" make our list every single year

Simply use a baby food or other small jar and fill it with water and a small bit of glycerin (found at your local drug store) and white glitter; add a few plastic toys--Legos, Barbie doll shoes, jacks and balls, plastic bugs--and then squeeze a think line of silicone sealant around the lid before screwing it on to prevent leakage.

Homemade glycerin soaps filled with tiny plastic toys areadorable

They'll delight your children as well, for they'll have created happy memories making them with you for all of their friends.

Consider making homemade wrapping paper or handmade gift tags.

I buy inexpensive tags at office supply stores by the hundreds.They cost about a penny apiece. I also use twine instead ofexpensive ribbon. One bolt lasts several years and costs a couple of dollars.

And mail those out-of-state gifts early to avoid long lines atthe post office as well as the extra expense of priority mail.

Model a generous life...at Christmas and throughout the year.Give faithfully and give cheerfully. You will be blessedbeyond measure.

The Super Bowl 2005-2006: Iron Men and Girlie Men

Did you watch the Super Bowl? I slept through the third quarter because there is switch in this old mans body that turns to OFF and there is nothing in Gods Universe that can take it off automatic. So I sleep for part of all football games. I just can't get that switch set to halftime.

I also miss part of each game because I read while Im watching the game. If not reading, Im doing a logic puzzle. If not reading or doing a puzzle, Im out in the kitchen brewing something up. So I never see all of a football game. Not even the Super Bowl, the football game of all football games.

Despite my inattention, yesterdays football game was to my liking. Too often the Super Bowl turn into a rout. But this was a match of endurance and strength and the Steelers pulled off a great victory.

Seattle should hold their heads high. They played great and they lost like men. They had some bad luck too. They actually lost by inches if you analyze some of the caught passes that didnt count as receptions.

I live in the Northwest. Seattle is the preference up in these parts. In fact my son and his family live in Seattle. But we lived in Pittsburgh too. So, who ever won was okay for us. But Im glad that Pittsburgh won because I think that the Pittsburgh coach is a fine family man that does not mouth filthy words to his players when they make a mistake.

He said that he wanted to win the game for that old fellow you saw hoisting the trophy before it was awarded to him. Seeing the coach hugging his daughters and kissing his wife was just grand. What a day! Well, I like Seattle's coach too. Two fine men.

At halftime we had to watch the Rolling Stones. They may be of the species that Arnold Schwarzenegger, the weight lifter and Hollywood actor turned California state governor, calls "girly-men." What the hell were they doing on that football field? Well maybe some of their gyrations could be used by running backs.