Online Payday Loans Online Payday Loans

Archive for October, 2016

Loss of Mom

October 18th, 2016

Two days ago my mom passed away peacefully at the age of 91.

I have written and rewritten this newsletter several times.  I think I have a handle on it now:  Mom would have wanted me to simply speak from my heart.

Gentle, kind, loving, giving.  That was Mom.  My niece Rachel posted on Facebook: “Today, we lost one of the greats. I’ve never known another human to be so patient, kind and loving. I can only wish to be half the woman that my grandma was. Rest In Peace, grandma. We miss you already”.  My cousin Laurie posted “Aunt Ruth – always beautiful – inside and out”.  These are just two of the dozens of similar sentiments conveyed from a large family which included 3 children, 7 grandchildren and 7 great grandchildren.

I am very thankful that I had the chance to live with Mom and help take care of her during her final months.  So much of my adult life has been taken up by work, too much work, and I have many regrets about not living a life better balanced between work and everything else.  For decades, I haven’t been able to listen to Harry Chapin’s song “Cat’s in the Cradle” without crying.  Here are the words. I bet they will cause some of our appraiser readers, busy, busy, busy these days, to pause:

My child arrived just the other day
He came to the world in the usual way
But there were planes to catch, and bills to pay
He learned to walk while I was away
And he was talking ‘fore I knew it, and as he grew
He’d say, “I’m gonna be like you, dad
You know I’m gonna be like you.”

 

And the cat’s in the cradle and the silver spoon
Little boy blue and the man in the moon
“When you coming home, dad?” “I don’t know when
But we’ll get together then
You know we’ll have a good time then.”

 

My son turned ten just the other day
He said, “Thanks for the ball, dad; come on, let’s play
Can you teach me to throw?”
I said, “Not today, I got a lot to do.”
He said, “That’s okay.”
And he walked away, but his smile never dimmed
And said, “I’m gonna be like him, yeah
You know I’m gonna be like him.”

 

And the cat’s in the cradle and the silver spoon
Little boy blue and the man in the moon
“When you coming home, dad?” “I don’t know when
But we’ll get together then
You know we’ll have a good time then.”

 

Well, he came from college just the other day
So much like a man, I just had to say
“Son, I’m proud of you. Can you sit for a while?”
He shook his head, and he said with a smile
“What I’d really like, dad, is to borrow the car keys
See you later; can I have them please?”

 

And the cat’s in the cradle and the silver spoon
Little boy blue and the man in the moon
“When you coming home, son?” “I don’t know when
But we’ll get together then, dad
You know we’ll have a good time then.”

 

I’ve long since retired, and my son’s moved away
I called him up just the other day
I said, “I’d like to see you if you don’t mind.”
He said, “I’d love to, dad, if I could find the time
You see, my new job’s a hassle, and the kid’s got the flu
But it’s sure nice talking to you, dad
It’s been sure nice talking to you.”
And as I hung up the phone, it occurred to me
He’d grown up just like me
My boy was just like me.

 

And the cat’s in the cradle and the silver spoon
Little boy blue and the man in the moon
“When you coming home, son?” “I don’t know when
But we’ll get together then, dad
We’re gonna have a good time then.

After Mom passed, my sisters and I started gathering photos taken at various points throughout her life.  Before I had a chance to feel pangs of regret at not spending more time with her, the photos showed the opposite. In recent years we had spent a great deal of time together at family gatherings, going to see Broadway plays, binge watching a series on TV (she loved “Mad Men”), hanging out on the couch with her cat.  Without realizing it, the final life lesson that she taught me was how to better balance my work life with everything else, everything that truly matters in life.  And she would have wanted me to tell the story in this newsletter in the hope that others would take notice.

Until she was 90 years old, Mom volunteered at a local soup kitchen known as the INN (Interfaith Nutrition Network) here on Long Island.  Readers interested in donating to the INN in memory of Ruth Collins Kmetz can mail checks to:

The Freeport INN                                                                                                                                                                                211 Fulton Avenue                                                                                                                                                                       Hempstead, NY 11550

Information about the INN’s programs can be found by clicking here: The INN

I’d like to thank my appraisal clients who have been so patient with our longer “turn times” during the past several months.  I’d also like to thank the development team working on our new mobile AppraiserHelp.com site and on the rebuilding of our other websites: with limited guidance on my part they have made nice progress and we’ll be announcing the launching (and relaunching) of the sites in November.

Mom loved reading Angie’s contest in this newsletter.  Angie is suspending the contest for this week but she has provided us with the following quotes in honor of Mom (and all moms).

Robert BrowningEnglish poet, and playwright
“Motherhood: All love begins and ends there”.

Irish proverb
“A man loves his sweetheart the most, his wife the best, but his mother the longest”.

Jewish proverb
“God could not be everywhere, and therefore, he made mothers”.

Author unknown
“A mom’s hug lasts long after she let’s go”.

AppraiserNews is a FREE publication, supported by advertising and sales of products designed to help appraisers support and grow their businesses. Please consider supporting us today by seeing what we and our sponsors have to offer.

RedStone Advanced Analytics from Bradford Technologies

AppraiserNews is a FREE publication, supported by advertising and sales of products designed to help appraisers support and grow their businesses. Please consider supporting us today by seeing what we and our sponsors have to offer.

Superior E&O insurance from the Landy Insurance Agency- click here to apply and receive your policy in about two hours!Random online posting: ”What happens if the Universe is not infinite and there is an actual edge…

Rates & Dates

Freddie Mac, the Mortgage Brokers Association (MBA) and HSH Market Trends reported upward movement in mortgage interest rates last week.

In their survey on October 13th, Freddie Mac reported that 30-year fixed-rate mortgages rose to 3.47% from 3.42% the previous week. They also noted that last year at this time the 30-year rate was at 3.82%.

Freddie Mac’s chief economist, Sean Becketti, had these comments:

“This week the 10-year Treasury yield continued its climb as an increasing number of financial market participants foresee a December rate hike after a series of positive economic data releases. The 30-year fixed-rate mortgage moved up 5 basis points to 3.47 percent in this week’s survey, the first increase in one month. Even though we’ve seen economic activity pick up, consumer price inflation and implied inflation expectations remain below the Federal Reserve’s 2 percent target. ”

The MBA reported on October 12th (for the week ending October 7th) that 30-year rates with conforming loan balances ($417,000 or less) increased from 3.62% to 3.68%.   The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,000) also moved up, from 3.60% to 3.67% and rates for FHA backed mortgages rose from 3.50% to 3.54%.

Mortgage applications dropped by 6.0% from the previous period.  Refinance applications as a percentage of all applications fell from 63.8% to 62.4%. The FHA share of applications increased from 10.0% to 10.9% and the VA share rose from 11.4% to 12.0%.

On October 14th, HSH.com Market Trends reported that 30-year mortgage rates increased from 3.42% to 3.47% during the past week.

Additional information from Freddie Mac can be found by going to: Primary Mortgage Market Survey PMMS – Freddie Mac

Additional information from the Mortgage Bankers Association can be found by going to their site at: Research and Forecasts – Mortgage Bankers Association

Additional information from HSH can be found by going to: HSH.Com

Tell us what you think!

We invite your responses to any of the issues raised in this newsletter. Please e-mail us at: bill@appraiserhelp.com with your thoughts!

back to top

We really hope you find our newsletter to be informative!  If you have any input on future topics for discussion, please email me your questions and I will do my best to address them in the next issue.  If you want to look back at past issues you can see our archive at www.appraisernews.com

Regards,

Bill Collins, Appraiser Help Inc.

Appraiser Help Real Estate Appraiser Directory

Appraiser News Homepage

2015 Directory of AMCs and National Appraisal Companies

Landy E&O Insurance Agency

Redstone from Bradford Technologies

Appraiser News on Facebook

AppraiserNews and the AppraiserNews Logo and all original content ©AppraiserHelp, Inc. 2009-2016