Ed Bisquera's Blog - PDXLoan.com

Topics related to financing your home purchase, whether your first home or your next home; investment property or vacation home. Debt elimination, credit issues, financial news and other articles related to your financial health.
Latest real estate, mortgage news, and market reports for Oregon and Washington, region of Portland and Vancouver.

Thursday, July 02, 2009

Key Element People Often Forget in Social Media Marketing?

What is the one key element people often
forget to complete thoroughly on Social Media sites?


Watch the video to find out what that is, which can help your search engine rankings and is Pillar Number One of the 5 Pillars of Social Media Marketing. :-)

Quote of The Day
If we're growing, we're always going to be out of our comfort zone.
~ John Maxwell

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Scroll Down Below To See Info On Google Profiles!

Today's Mortgage Rates Watch & Real Estate/Mortgage News


Rates look like they are sitting fairly stable at the 5.25-5.5% range (5.67%-5.89% APR) on a Conventional 30 YR Fixed Loan, NO pts, 20% down (80% Loan To Value), Owner Occupied, with 740 or higher FICO credit score. We should see some help, since today's announcement of a nationwide unemployment rate of 9.5%, with job losses for last month around 467,000 nationwide.

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UPCOMING EVENT
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"Getting Connected Through Social Media" Class
for Real Estate Professionals, 3 CE Clock hours

Date: Thursday, July 23, 2009
Time: 1 -4 PM

Location: Keller Williams, Downtown Office

915 Broadway Ste 100, Vancouver, WA 98660


Learn how getting connected and participating in the conversation online where your clients, prospects and audience is, using Social Media tools, is important to your Real Estate business. Produced by Natalie Danielson of Professional Directions/Clockhours.com and taught by Ed Bisquera and Natalie Danielson.

Details at the event signup page here:

Getting Connected through Social Media Class for Realtors.

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YESTERDAY'S FREE LUNCH TRIVIA QUESTION OF THE DAY
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What Lewis Carroll book was banned in China after censors decided:
"Animals should not use human language"?
Answer: YOU TELL ME! :-)

So, for every correct answer that is either either replied via Facebook (post a reply/comment on my wall under the question) or Twitter (send me an @edbisquera reply) or post a comment here below on my blog, gets entered into a drawing to win a FREE Lunch to Blackstone, Gift Card valued at $50! Now, you can send me a private message via Facebook and Twitter too with the correct answer; that will get you entered to win.

Again, it's for every CORRECT ANSWER that gets you into the drawing. And I'll post a video recording of me drawing the winner next Wednesday, along with the new Wednesday Trivia for Free Lunch.
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Upcoming Homepath Home Buying & Loan Seminar
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Buy a Fannie Mae Owned Home (Bank Owned, REO Properties)
in the State of Washington

WITHOUT AN APPRAISAL!

Date: July 21, 2009
Time: 11 AM (45 minutes)
Location: 1001 Main St Suite A
Vancouver, WA 98660

Sign up for event here

We'll discuss at an upcoming Homepath Seminar how you can get a home, Owner Occupied or Non-Owner Occupied, in any state, especially Washington and Oregon, where:

1. A Homepath Mortgaged Home Loan requires NO APPRAISAL upon purchase
2. A Homepath Home Renovation Loan can be used for improvements (on designated properties only).
3. A Homepath Home requires NO MI (Mortgage Insurance)
4. A Homepath Home can be up to 97% Loan To Value (3 % down payment)
5. A Homepath Home can also be bought by investors up to 90% Loan To Value (only 10% down).

For more information, read a post about Homepath Homes for Sale, by my Senior Mortgage Consultant, Bill Black, Broker of Record here at Loan Network LLC (formerly America One Finance).

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My Google Profile Page http://Google.com/profiles/edbisquera
Visit here for a video on how to create your Google Profile


Stay tuned to the next video blog post!
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Thanks again and speak with you soon!
Ed Bisquera, 360-597-8283 cell

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Wednesday, July 01, 2009

"What's the FOUR Letter Word Asked About Social Media?" Video

What is the FOUR Letter Word Asked About Most Frequently Regarding Social Media, at Social Media Marketing Seminars and Classes throughout the United States?
It's all revealed at the 1:45 mark in this video blog post by Ed Bisquera, Mortgage Matchmaker & Social Media Guy. Recorded in beautiful sunny downtown Vancouver, WA, dated July 1, 2009.



Quote of the day:
Insincerity is always weakness; sincerity even in error is strength.
~George Henry Lewes


• Today's Mortgage Rates Watch & Real Estate/Mortgage News

Rates look like they are sitting fairly stable at the 5.375-5.625% range (5.77%-5.99% APR) on a Conventional 30 YR Fixed Loan, NO pts, 20% down (80% Loan To Value), Owner Occupied, with 740 or higher FICO credit score. Forecasts are predicting a small increase in rate, due to typical activity as 2nd quarter earnings are taken to offset any capital gains.

NO APPRAISAL REQUIRED!!
WHEN YOU BUY A FANNIE MAE-OWNED HOME
with a Homepath Loan
Find out more in tomorrow's Video Blog Post!


HVCC News: The appraisal issues dealing with the HVCC law is being dealt with and you can do something about it to fight it. There is a bill currently being sponsored to put the HVCC on hold, as the Feds try to figure out how to rectify the shortcomings of this HVCC ruling. It's apparent that it was a big mistake and you can check out our friends at Think Big Work Small and see what they have to say about it. Are you a Realtor and HATE FAILED SALES?? Watch this video NOW and sign the HVCC Petition NOW!!

UPCOMING EVENT
Class on Social Media "Getting Connected"
for Real Estate Professionals, 3 CE Clock hours


Date: Thursday, July 23, 2009
Time: 1 -4 PM
Location: Keller Williams, Downtown Office
915 Broadway Ste 100, Vancouver, WA 98660

== Cost: $27 Early Bird special before Midnight, July 21, 2009 ==

Learn how getting connected and participating in the conversation online where your clients, prospects and audience is, using Social Media tools, is important to your Real Estate business. Produced by Natalie Danielson of Professional Directions/Clockhours.com and taught by Ed Bisquera and Natalie Danielson.

Details at the event signup page here:


Getting Connected through Social Media Class for Realtors.

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• WEDNESDAY FREE LUNCH TRIVIA QUESTION OF THE DAY

What Lewis Carroll book was banned in China after censors decided:
"Animals should not use human language"?

Answer: YOU TELL ME! :-)

So, for every correct answer that is either either replied via Facebook (post a reply/comment on my wall under the question) or Twitter (send me an @edbisquera reply) or post a comment here below on my blog, gets entered into a drawing to win a FREE Lunch to Blackstone, Gift Card valued at $50! Now, you can send me a private message via Facebook and Twitter too with the correct answer; that will get you entered to win.

Again, it's for every CORRECT ANSWER that gets you into the drawing. And I'll post a video recording of me drawing the winner next Wednesday, along with the new Wednesday Trivia for Free Lunch.

I had NO ONE enter the contest last week, so I'm hoping there's a few that at least play along for a FREE LUNCH to Blackstone Restaurant (ok, you get a $50 gift card. Deadline is by next Tuesday, July 7 at Midnight!).

• The FOUR Letter Word Dealing with Social Media
revealed at the 1:45 mark in video above

It's every person's "curse" and every person's main question when talking about using Social Media. Are you facing the same problem? Are you interested in learning more and how to maximize this FOUR Letter word? Watch the video to find out what I talk about and if you're interested in a Social Media 101 Class & Course, contact me through EdBisquera.com or call me at (360) 597-8283. I will have an event sign up here on my blog tomorrow. Stay tuned!

That's it for today. Thanks again for visiting, watching and reading. If you found any value in today's video blog and post, please share this post with anyone you know that may be interested.

Best wishes to you and here's to a wonderful Wednesday!

Ed Bisquera, 360-597-8283 Cell Phone

P.S. Young Professionals of Vancouver Networking Event TODAY at Joe's Crab Shack, on the mighty Columbia River at 5:30. Come by, chat, drink and network! EB

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Thursday, June 25, 2009

Trivia Wednesday - Win a Free lunch at Blackstone Restaurant

Alright, on the heels of last week's trivia question for lunch at Rosemary's Cafe in Downtown Vancouver (1001 Main St), here's today's Trivia Question for lunch at Blackstone Restaurant out on 164th in East Vancouver, WA.

[I have been out of town teaching, but will post the video of me drawing last week's winner later today. EB]

So, for every correct answer that is either either replied via Facebook (post a reply/comment on my wall under the question) or Twitter (send me an @reply) or post a comment here below on my blog, gets entered into a drawing to win a FREE Lunch to Blackstone, Gift Card valued at $25!

Now, you can send me a private message via Facebook and Twitter too with the correct answer; that will get you entered to win.

Again, it's for every CORRECT ANSWER that gets you into the drawing. And I'll post a video recording of me drawing the winner next Wednesday, along with the new Wednesday Trivia for Free Lunch.

TRIVIA QUESTION FOR TODAY, June 25, 2009 is:
"What video, the first to cost over $150,000, helped Michael Jackson's Thriller soar and sell millions?"


Reply with your answer as a comment below for one entry, or on my Facebook page or as an @reply on my original Twitter post. Only one entry allowed per human being, okay? And every CORRECT answer will be entered into the FREE Lunch for a Work Week Drawing.

Deadline to enter is by 12 midnight, June 25, 2009, so please ReTweet, Repost, email out to friends (okay, maybe not, since you want the opportunity to win, LOL) and get the word out!

Every Wednesday, anyone following my blog, friends on Facebook and Twitter, will see the Trivia question of the day and a chance to win something local in Vancouver, Washington or Portland, Oregon helping to support local business.

Thanks again and good luck!

P.S.: OKAY, BTW, you don't necessarily have to POST the correct answer for the whole world to see (it really doesn't matter, though, since it's a drawing of every CORRECT answer). You can post "Hey Ed, I have the answer: I sent you a private or direct message." This is all in good fun and I hope people participate, share and retweet. Thanks!

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Friday, June 19, 2009

4 Reasons Why Marketers Should Choose Facebook Pages Over Facebook Groups

It's known that if you are using Social Media Marketing, having a profile at Facebook is important to have when marketing online yourself, your cause or your small business. But really, Facebook Groups and Facebook pages are the public way to market, versus using your personal Facebook profile. It allows you to reach the millions on Facebook, and if you're worried about "friending" people you don't really know well through your personal Facebook profile, than creating your own Facebook Group or Facebook "Fan" or Business Page is the way to go.

In brief, this posting below covers the 4 reasons why you should create and use a Facebook "Page" instead of a Facebook "Group." So for businesses small and large, Pages (known also as "public profiles") are the way to go, according to these four important reasons:

1. Pages Allow Marketers to Publish to the "Stream" (more on that later)
2. Pages Allow Marketers to Engage Fans with Rich Media (PDF, Audio, Video, etc)
3. Pages Let Marketers Analyze How Fans are Interacting with the Insights Dashboard
4. Pages Let Marketers Increase their SEO (Search Engine Optimization. Essentially, improve your "Google search juice!"


So for marketing anything commercial or your small business or your band or your cause, the future of marketing on Facebook is Facebook Pages, not Facebook Groups.

You can read in detail the four resons below. Please comment on my blog if you like what you read!
Thanks and happy day to you!

4 Reasons Why Marketers Should Choose Facebook Pages Over Facebook Groups

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Wednesday, June 17, 2009

Trivia Day - Win Free lunch for a work WEEK Rosemary's Cafe in Downtown Vancouver

Ok, I have a Trivia Question for today and every correct answer that is either replied via Facebook (post a reply/comment on my wall under the question) or Twitter (send me an @reply) or post a comment here below on my blog, gets entered into a drawing to win a FREE Lunch for entire work week! That's a $50 Value! (5 Business Days folks equals a work week and valued up to $10 per lunch.)

The TRIVIA Question for today, June 17, 2009, is

"What book did E.B. White base on personal experiences at his farm in Maine?"

Reply with your answer as a comment below for one entry, or on my Facebook page or as an @reply on my original Twitter post. Only one entry allowed per human being, okay? And every CORRECT answer will be entered into the FREE Lunch for a Work Week Drawing.

Deadline to enter is by 12 midnight, June 17, 2009, so please ReTweet, Repost, email out to friends (okay, maybe not, since you want the opportunity to win, LOL) and get the word out!

Starting every Wednesday, anyone following my blog, friends on Facebook and Twitter, will get a Trivia question and a chance to win something local in Vancouver, Washington or Portland, Oregon that supports local business.

One Wednesday each month, will be a drawing for something ANYONE in the USA can win, like a gas card or Gift Card to a major grocery store or department store, etc.

Just stay tuned, subscribe to my blog's RSS feed, become a fan on my Facebook page, friend me on Facebookf or follow me on Twitter!

Right above this blog post, you can Tweet this post, share it with others on any of your social network sites or rate it. Please do so and let's see who wins the FREE Lunch for a WEEK at Rosemary's Cafe in Downtown Vancouver Washington! :-)

Ed Bisquera, Mortgage Matchmaker and Social Media Instructor

UPDATE 10:17 AM: OKAY, BTW, don't necessarily POST the correct answer for the whole world to see (it really doesn't matter, though, since it's a drawing of every CORRECT answer). You can post "Hey Ed, I have the answer: I sent you a private or direct message." But as of 10:15 AM, there are already a few answers and they are correct so far.


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Friday, June 12, 2009

"It's when things seem worst, that you must not quit"

"When things go wrong as they sometimes will,
When the road you're trudging seems all up hill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh,
When care is pressing you down a bit,
Rest if you must, but don't you quit.

Life is queer with its twists and turns,
As every one of us sometimes learns,
And many a failure turns about,
When he might have won had he stuck it out.
Don't give up though the pace seems slow--
You may succeed with another blow,
Success is failure turned inside out--
The silver tint of the clouds of doubt,
And you never can tell how close you are,
It may be near when it seems so far;
So stick to the fight when you're hardest hit--
It's when things seem worst that you must not quit."


Unknown
more famous quotes


I really like this inspirational poem, or inspirational quote and I often read it through the challenging times and to remind myself that things are often toughest just before victory shines down. I always know I am blessed and I hope you know you are too. All the best to you,

Ed Bisquera

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Thursday, June 11, 2009

Obama Healthcare Logic Deficit: Don't spend more money to save money!


In a recent post by Mary Kate Cary, of US News and World Report, she comments on a David Leonhardt's explanation of our current deficit in today's New York Times.

Yes, I know we are facing a record amount of spending to support Obama's massive stimulus packages and just spending more is not going to fix it. And I agree with Mary Kate, that we need to stop the spending and cut costs.

Sure, it will hurt and taxes will undoubtedly rise for some or all of us and services in all sectors of the government will see cutbacks or be eliminated all together. We really just need to stop spending so much money. We're facing inflation, because of all the money the government is printing up and our government's attitude is to bail out everyone.

But I have to say, it's the toughest time in history that we face, regarding our economy and our healthcare costs. Here's what Mary Kate has to say:
Why do we need to spend even more money to lower healthcare costs? With a projected $1.8 trillion deficit, it's time to stop the spending and cut costs. I don't get it. In our family budget, we don't spend more money in order to save it. We just stop spending so much money. It doesn't cost us more money to do that. The federal government isn't any different—except for the crazy attitude among politicians and interest groups that a "cut" is really a slowdown in the rate of growth. We don't need slowdowns in the rate of growth. We need real cuts before we're driven into bankruptcy.


Whether you agree with Mary Kate Cary, me or David Leonhardt's recent article, it's safe to say, we need to really buckle down over the next several years, as the experts and I agree: we haven't seen the end of this yet!

Read the rest of Obama's Healthcare Logic Deficit: You Don't Spend Money to Save Money at US News and World Report by Mary Kate Cary


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Video To Realtors in Lynwood/Mill Creek attending Clockhours.com class



From EdBisquera.com - Just wanted to thank everyone (First American Title for promoting and sponsoring and all Realtors in Lynwood & Mill Creek WA area) for coming out to Natalie's ClockHours.com "Learning to get connected with Social Media" class and having me there to share about social media, Twitter and video topics. If you have any questions, please don't hesitate to call! (360) 597-8283.

Ed Bisquera

P.S. If it looks like I'm angry at the beginning of the video, I'm not! LOL! I'm really just trying to get through Seattle traffic and keep from squinting. Hope you enjoy! :-) EB

P.S. If you would like to read my blog, one of my blogs is at Activerain.com/blogs/edbisquera or please follow me on Twitter. Take care! EB


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Thursday, May 28, 2009

edbisquera's TweetMic recording

Audio Blog Post on TweetMic

So I thought I'd update my blog and try this TweetMic for my iPhone to record a short audio "tweet." Let me know what you think of it! :-)

Thanks,

Ed Bisquera

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Friday, May 22, 2009

My son BJ runs in an amazing touchdown

This is pretty cool; BJ's team was running a pass play and as it was nearly intercepted, BJ was able to pick off the ball in the air, just dropping into his hands and he bolts into the end zone. Watch that boy run!

I must say, am a proud dad; he's really liking this game and while it's only flag football, I hope he gets some good lessons of teamwork and sportsmanship out of playing. And of course, I'm proud to see him run a touchdown in! :-)

Enjoy the video:



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Monday, May 11, 2009

Video on Natalie Danielson's boat (of Clockhours.com)



Here's a video I did while visiting with Natalie Danielson of Clockhours.com. I was in Seattle getting my certification completed to be able to teach Clock Hour Courses to Realtors in the State of Washington, needing to add or complete their 30 clock hours required every 2 years. Our courses we offer include financing and marketing, and also new courses on Social Media Marketing and Video Marketing. I'm happy to report I've completed everything and have several classes on Social Media scheduled throughout 2009. Call me at (360) 597-8283 for details.

It was a lot of fun going through Natalie's course and after class, we were treated to a tour of Zillow.com's corporate offices in downtown Seattle by our good friend, Director of Community Relations at Zillow, David Gibbons.

Hope you enjoy this little video I made on Natalie's boat. :-)

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