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September 2010
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This is beautiful! How could you NOT be a Christian!?!?!

After living what I felt was a ‘decent’ life, my time on earth came to the end.

The first thing I remember is sitting on a bench in the waiting room of what I thought to be a court house.

The doors opened and I was instructed to come in and have a seat by the defense table.

As I looked around I saw the ‘prosecutor.’

He was a villainous looking gent who snarled as he stared at me. He definitely was the most evil person I have ever seen.

I sat down and looked to my left and there sat My Attorney, kind and gentle looking man whose appearance seemed so familiar to me, I felt I knew Him.

The corner door flew open and there appeared the Judge in full flowing robes.

He commanded an awesome presence as He moved across the room I couldn’t take my eyes off of Him.

As He took His seat behind the bench, He said, ‘Let us begin.’

The prosecutor rose and said,

‘My name is Satan and I am here to show you why this woman belongs in hell…’

He proceeded to tell of lies that I told, things that I stole, and In the past when I cheated others Satan told of other horrible Perversions that were once in my life and the more he spoke, the further down in my seat I sank.

I was so embarrassed that I couldn’t look at anyone, even my own Attorney, as the Devil told of sins that even I had completely forgotten about.

As upset as I was at Satan for telling all these things about me, I was equally upset at My Attorney who sat there
Silently not Offering any form of defense at all.

I know I had been guilty of those things, but I had done some good in my life – couldn’t that at least equal out part of the harm I’d done?

Satan finished with a fury and said, ‘This woman belongs in hell, she is guilty of all that I have charged and there is not a person who can prove otherwise.’

When it was His turn, My Attorney first asked if He might approach the bench. The Judge allowed this over the strong objection of Satan, and beckoned Him to come forward.

As He got up and started walking, I was able to see Him in His full splendor and majesty.

I realized why He seemed so familiar; this was Jesus representing me, my Lord and my Savior.

He stopped at the bench and softly said to the Judge, ‘Hi, Dad,’ and then He turned to address the court.

‘Satan was correct in saying that this woman had sinned, I won’t deny any of these allegations. And, yes, the wage of sin is death, and this woman deserves to be punished.’

Jesus took a deep breath and turned to His Father with outstretched arms and proclaimed, ‘However, I died on the cross so that this person might have eternal life and she has accepted Me as her Savior, so she is Mine.’

My Lord continued with, ‘Her name is written in the Book of Life, and no one can snatch her from Me.

Satan still does not understand yet. This woman is not to be given justice, but rather mercy.’

As Jesus sat down,

He quietly paused, looked at His Father and said, ‘There is nothing else that needs to be done.’

‘I’ve done it all.’

The Judge lifted His mighty hand and slammed the gavel down.. The following words bellowed from His lips..

‘This woman is free.’

The penalty for her has already been paid in full.

‘Case dismissed.’

As my Lord led me away, I could hear Satan ranting and raving, ‘I won’t give up, I will win the next one.’ I asked Jesus as He gave me my instructions where to go next, ‘Have you ever lost a case?’

Christ lovingly smiled and said,

‘Everyone that has come to Me and asked Me to represent them has received the same verdict as you,

~Paid In Full~

If you do not pass this along to 15 people immediately,absolutely nothing will happen

Congratulations to TN’s Good Neighbors!

Two of our members — Keri Kidd Cannon and Pam Kidd, with Fridrich & Clark Realty LLC in Nashville — were named (as a pair) one of the TEN (10) national finalists for the National Association of REALTORS’ 2010 Good Neighbor Awards!

This mother and daughter team have been helping people in Zimbabwe since 1999, traveling to this struggling African country more than 20 times. They founded Village Hope, a rural orphanage that cares for 20 children and also founded an outreach program for street children and homeless adults in the capital city of Harare. They feed 900 school children per day as well as hundreds of people from surrounding villages. Their agricultural programs provide seed corn and farm animals and teach farming techniques. They recently helped launched a dental clinic and are training locals to provide basic dental care.

Final winners will be selected in November of this year. Congratulations, Keri and Pam!

Offiering a Buyer an Incentive? :Things of Interest


QUESTION: What is the proper, legal way for a seller and an agent to offer a buyer incentive on the purchase of property?

ANSWER: We cannot advise you as to whether the seller is permitted to make this offer to potential buyers. The seller may want to check with his/her own attorney as to the legality of this and what the ramifications might be. If the seller goes through with offering an incentive, you need to make your mention of this in the MLS and any other advertising as specific as possible so as not to mislead the public. In addition, it must be clear that the incentive is being offered by the SELLER and NOT by the agent AND that it is contingent upon lender approval.

For your information, please be advised that many lenders do not like this practice. They typically will not approve the seller providing cash to the buyer at closing. However, they may allow the seller to pay a certain percentage of closing costs. At any rate, you will need to make sure that the lender approves any such incentive offered by the seller.

As we have reminded everyone before, as an agent you cannot give the person cash or anything which can be converted into cash. You are also not permitted to pay closing costs by TREC. TREC has determined that agents cannot pay closing costs for a party to the transaction under the Gifts and Prizes rule and statute.

[SOURCE: TAR's Legal & Ethics Hot Line Attorneys]

Rates Go Even Lower

Fixed mortgage rates have maintained recent lows or set new ones for more than two months now, sinking to 4.42 percent on 30-year loans for the week ended Aug. 19. The rate is down from 4.44 percent the prior week and is the lowest ever recorded since Freddie Mac launched its survey almost 40 years ago. The fixed 15-year average also hit a new low, at 3.9 percent; while five- and one-year adjustable-rate mortgages remained flat at 3.56 percent and 3.53 percent, respectively.

[SOURCES: Wall Street Journal; Information, Inc.]

testing it

Testing the postie process

:Interest Rates

The national average 30-year fixed-rate mortgage rose 3 basis points this past week, to 4.95 percent with an average total of 0.45 discount and origination points, according to the Bankrate.com national survey of large lenders. A basis point is one-hundredth of 1 percentage point. One year ago, the 30-year mortgage index was 5.65 percent. Last week, the benchmark 15-year fixed-rate mortgage edged up at 4.36 percent.

Today’s mortgage rates remain near record lows, spurring on refinance activity. Refinance mortgage loan application volume is now at its highest level since October 2009, according to the Mortgage Bankers Association.

[SOURCE: Bankrate.com]

Rates Hit New Low for 2010 [Interest]


The 30-year fixed mortgage rate has fallen for the fifth straight week, from 5 percent last week to 4.93 percent


QUESTIONS THAT HAUNT ME!



If you have sex with a prostitute against her will, is it considered rape or shoplifting?



Can you cry under water?



How important does a person have to be before they are considered assassinated instead of just murdered?



Why do you have to “put your two cents in”. but it’s only a “penny for your thoughts”?  Where’s that extra penny going to?



Once you’re in heaven, do you get stuck wearing the clothes you were buried in for eternity?



Why does a round pizza come in a square box?



What disease did cured ham actually have?



How is it that we put man on the moon before we figured out it would be a good idea to put wheels on luggage?



Why is it that people say they “slept like a baby” when babies wake up like every two hours?



If a deaf person has to go to court,

is it still called a hearing?



Why are you IN a movie, but you’re ON TV?



Why do people pay to go up tall buildings

and then put money in binoculars to look

at things on the ground?



Why do doctors leave the room while you change?

They’re going to see you naked anyway.



Why is “bra” singular and “panties” plural?



Why do toasters always have a setting that burns the toast to a horrible crisp, which no decent human being would eat?



If Jimmy cracks corn and no one cares,

why is there a stupid song about him?



Can a hearse carrying a corpse drive in the carpool lane ?



If the professor on Gilligan’s Island can make

a radio out of a coconut, why can’t he fix a

hole in a boat?



Why does Goofy stand erect while Pluto remains on all fours?

They’re both dogs!



If Wile E. Coyote had enough money to buy all that ACME crap, why didn’t he just buy dinner?



If corn oil is made from corn,

and vegetable oil is made from vegetables,

what is baby oil made from?



If electricity comes from electrons,

does morality come from morons?



Do the Alphabet song and Twinkle, Twinkle Little Star have the same tune?



Why did you just try singing the two songs above?



Why do they call it an asteroid when it’s

outside the hemisphere, but call it a

hemorrhoid when it’s in your butt?



Did you ever notice that when you blow in a dog’s

face, he gets mad at you, but when you take him

for a car ride, he sticks his head out the window?



Do you ever wonder why you gave me your e-mail address in the first place?

 

[email supplied]

Subject:Gentle Thoughts for Today–

Birds of a feather flock together and poop on your car. 

A penny saved is a government oversight.

The real art of conversation is not only to say the right thing at the right time, but also to leave unsaid the wrong thing at the tempting moment.  

The older you get, the tougher it is to lose weight, because by then your body and your fat have gotten to be really good friends. 

The easiest way to find something lost around the house is to buy a replacement . 

He who hesitates is probably right.

Did you ever notice: The Roman Numerals for forty (40) are ” XL.”

If you think there is good in everybody, you haven’t met everybody. 

If you can smile when things go wrong, you have someone in mind to blame. 

The sole purpose of a child’s middle name is so he can tell when he’s really in trouble.

There’s always a lot to be thankful for if you take time to look for it. For example I am sitting here thinking how nice it is that wrinkles don’t hurt.

Did you ever notice: When you put the two words “The” and “IRS” together it spells “Theirs.”  

Aging: Eventually you will reach a point when you stop lying about your age and start bragging about it..

The older we get, the fewer things seem worth waiting in line for.

Some people try to turn back their odometers.  Not me, I want people to know “why” I look this way.  I’ve traveled a long way and some of the roads weren’t paved.

You know you are getting old when everything either dries up or leaks.

One of the many things no one tells you about aging is that it is such a nice change from being young.

Ah, being young is beautiful, but being old is comfortable.

First you forget names, then you forget faces.  Then you forget to pull up your zipper.  It’s worse when you forget to pull it down.

Long ago when men cursed and beat the ground with sticks, it was called witchcraft.  Today, it’s called golf.
 

 
Lord,
 
Keep your arm around my shoulder and your hand over my mouth…AMEN!

[email supplied]

      

 

1.   She was in the bathroom, putting on her makeup, under the watchful eyes of  her young granddaughter, as she’d done many times before.  After she  applied her lipstick and started to leave, the little one said, “But  Gramma, you forgot to kiss the toilet paper good-bye!” I will probably  never put lipstick on again without thinking about kissing the toilet  paper good-bye….

 

2.   My young grandson called the other day to wish me Happy Birthday.  He  asked me how old I was, and I told him, 62  My grandson was quiet for  a moment, and then he asked, “Did you start at  1?”

 

3.   After putting her grandchildren to bed, a grandmother changed into old  slacks and a droopy blouse and proceeded to wash her hair  As she  heard the children getting more and more rambunctious, her patience grew  thin.  Finally, she threw a towel around her head and stormed into  their room, putting them back to bed with stern warnings.  As she  left the room, she heard the three-year-old say with a trembling voice,  “Who was THAT?”

 

4.   A grandmother was telling her little granddaughter what her own childhood  was like: “We used to skate outside on a pond.  I had a swing made  from a tire; it hung from a tree in our front yard.  We rode our  pony.  We picked wild raspberries in the woods.” The little girl was  wide-eyed, taking this all in  At last she said, “I sure wish I’d  gotten to know you sooner!”

 

5.   My grandson was visiting one day when he asked, “Grandma, do you know how  you and God are alike?” I mentally polished my halo and I said, “No, how  are we alike?” “You’re both old,” he replied.

 

6.   A little girl was diligently pounding away on her grandfather’s word  processor.  She told him she was writing a story.  “What’s it  about?” he asked.  “I don’t know,” she replied.  “I can’t  read..”

 

7.   I didn’t know if my granddaughter had learned her colors yet, so I decided  to test her.  I would point out something and ask what color it  was.  She would tell me and was always correct.  It was fun for  me, so I continued.  At last, she headed for the door, saying,  “Grandma, I think you should try to figure out some of these,  yourself!”

 

8.   When my grandson Billy and I entered our vacation cabin, we kept the  lights off until we were inside to keep from attracting pesky  insects..  Still, a few fireflies followed us in.  Noticing them  before I did, Billy whispered, “It’s no use Grandpa.  Now the  mosquitoes are coming after us with  flashlights.”

 

9   When my grandson asked me how old I was, I teasingly replied, “I’m not  sure.” “Look in your underwear, Grandpa,” he advised, “mine says I’m 4 to  6.”

 

10.   A second grader came home from school and said to her grandmother,  “Grandma, guess what?  We learned how to make babies today.” The  grandmother, more than a little surprised, tried to keep her cool “That’s  interesting,” she said, “how do you make babies?” “It’s simple,”   replied the girl.  “You just change ‘y’ to ‘i’ and add  ‘es’.”

 

11  Children’s Logic: “Give me a sentence about a public servant,” said a  teacher.  The small boy wrote: “The fireman came down the ladder  pregnant.” The teacher took the lad aside to correct him.  “Don’t you  know what pregnant means?” she asked.  “Sure,” said the young boy  confidently.  ‘It means carrying a child.”

 

12.   A grandfather was delivering his grandchildren to their home one day when  a fire truck zoomed past  Sitting in the front seat of the fire truck  was a Dalmatian dog.  The children started discussing the dog’s  duties.  “They use him to keep crowds back,” said one child..   “No,” said another.  “He’s just for good luck.”  A third child  brought the argument to a close.”They use the dogs,” she said firmly, “to  find the fire hydrants.”

 

13.   A 6-year-old was asked where his grandma lived.  “Oh,” he said, “she  lives at the airport, and when we want her, we just go get her.   Then, when we’re done having her visit, we take her back to the  airport.”

 

14.   Grandpa is the smartest man on earth!  He  teaches me good things, but I don’t get to see him enough to get as smart  as him!

 

15.   My Grandparents are funny, when they bend over; you hear gas leaks, and  they blame their dog.

 

SEND  THIS TO OTHER GRANDPARENTS, ALMOST GRANDPARENTS, OR HECK, SEND IT TO  EVERYONE

[email:supplied]