Korene's Blog $18,000 in un-cashed checks February 16th, 2010 8:24 AM While getting organized, one of my client found $18,000 in un-cashed checks --what can you find?    Jeannie contacted a professional organizing company to help her organize her home. She and her husband and 2 teenage boys were at their wits end with the amount of clutter and disorganization. Her main concern was the amount of paper that seemed to just accumulate and grow as the days went by. They set to task organizing papers and creating a system that worked for her.   During this process, they found checks from the IRS, payroll checks and  they even found a few rebate checks. The total amount of un-cashed checks found during the three organizing sessions together totaled more than $18,000.   To Jeannie's amazement, many of the checks were accepted. However, many of the checks were refused or had accounts closed due to the fact that the checks were somewhere between three months and five years old. The total amount she lost was approximately $4000.   CHALLENGES -- no central location for incoming mail, no system for accounting or depositing checks, filing system was inadequate for family needs   SOLUTIONS - A basket was placed  just inside her home office door and informed every family member that the mail and any action item required by Jeannie would be placed in there.   They created a filing system customized to her family's lifestyle and the way she thinks. She learned a way to list and manage her tasks so that she could get the most important and urgent tasks done first instead for the easiest first.   She is noticing the techniques she learned for organizing her home office are flowing over to her classroom, her garage and other area of her life.   You can always accomplish more when you can efficiently and effectively manage your tasks. Posted by Korene Clopine-Seaman on February 16th, 2010 8:24 AMPost a Comment (0) Subscribe to this blog * Name: * Email Address: URL: Comment:         Type the characters you see in this picture, click "Submit" when finished.   This helps us prevent automated programs from posting comments and sending spam. * Name: * Email Address: Address: City: State: Zip:   This helps us prevent automated programs from creating bogus contacts and adding them to your contacts database.

Recent Posts: Change is Coming...Preparation and Mindset With Wise Use of Reverse Mortgages Are the Keys FHA Clamps Down On Mortgage Requirements USDA Funding RE: Single Family Housing Guaranteed Loan Program is Finally Moving in the Right Direction To Refi Or Not To Refi 10 Ways to Prepare for Homeownership How Long Until You Can Buy Again After Foreclosure? Fannie Mae Launches Online Resource for Struggling Homeowners Seven Things To Keep In Mind Before Putting Together Your First Résumé: WHEN YOU BUY A PIG IN A POKE . . . OUTLOOK for BLACKBERRY 4 Ways Keep Control of Your e-Mail Inbox 2010 is the Year of the SHORT Sale 6 Essential Computer Accessories For Travel Top 5 Things Homebuyers and Sellers Should Do Now Data Show Federal Policy Triggered Mortgage Meltdown Seven WHATs Are the Determination of YOU! Top Eleven Credit Repair Strategies Don’t apply for new credit before your mortgage closes 25 REASONS WE ALL OWE OUR MOTHERS change? why??? Fannie Mae Extends Incentive to Buy Their Distressed Home Inventory The Mortgage Forgiveness Debt Relief Act and Debt Cancellation Is the Market in Metro Phoenix as Bad as You Have Heard? Everyone Cannot Be in Your Front Row Headlines: Car Ownership Linked With Mortgage Foreclosures $18,000 in un-cashed checks Create Your Own Home Energy Audit BIG Changes in the Tax Rules Estate Planning: The Need to Know Water, Water Everywhere even in the Arizona Desert Archive: October 2007 The importance of good credit cannot be over-emphasized. Posted by Korene Clopine-Seaman on October 29th, 2007 11:59 PM When will the housing slump end....? Will you be one of the survivors Posted by Korene Clopine-Seaman on October 29th, 2007 11:57 PM "Why Network?" Posted by Korene Clopine-Seaman on October 20th, 2007 9:43 AM Phoenix Business and Professional Women, Inc. present Expo 2007 – Moving Women Forward Posted by Korene Clopine-Seaman on October 20th, 2007 9:42 AM January 2010 A TAXING TIME OF YEAR Posted by Korene Clopine-Seaman on January 17th, 2010 10:29 PM Following Your Dream or Living a Vision Posted by Korene Clopine-Seaman on January 14th, 2010 11:40 AM Linked Fingers Posted by Korene Clopine-Seaman on January 3rd, 2010 2:58 PM December 2009 There is No Place Like Home for the Holidays Posted by Korene Clopine-Seaman on December 23rd, 2009 11:10 PM Who Should We Blame? Posted by Korene Clopine-Seaman on December 23rd, 2009 10:37 PM What happens when a lender can't produce the original note? Posted by Korene Clopine-Seaman on December 21st, 2009 7:37 PM Shopping Smarter This Christmas Season Posted by Korene Clopine-Seaman on December 14th, 2009 10:03 AM Lowering Your Electric Bill Posted by Korene Clopine-Seaman on December 1st, 2009 1:08 PM November 2009 When the housing bubble burst hits home... Posted by Korene Clopine-Seaman on November 16th, 2009 5:07 PM October 2009 Fixed-Rate or Adjustable Rate Home Loan Posted by Korene Clopine-Seaman on October 11th, 2009 1:10 AM September 2009 The Greatest Are Measured By What Yard Stick? Posted by Korene Clopine-Seaman on September 18th, 2009 5:50 PM Are You Taking Advantage of Existing Homeowners Tax Credits? Posted by Korene Clopine-Seaman on September 17th, 2009 5:16 PM To Protect Your Identity ... Just say "NO" Posted by Korene Clopine-Seaman on September 4th, 2009 10:23 PM August 2009 9 Ways to Save on Gas Posted by Korene Clopine-Seaman on August 27th, 2009 1:30 AM Buying a Bank Owned Home Can Be Great or Not So Great Posted by Korene Clopine-Seaman on August 22nd, 2009 4:00 PM 10 Ways To Save Big Money On Your Taxes Your Accountant May Not Have Told You! Posted by Korene Clopine-Seaman on August 20th, 2009 1:17 PM Ways to Save on Cooling Costs Posted by Korene Clopine-Seaman on August 18th, 2009 2:23 PM What to Know about Pre-Qualifying Posted by Korene Clopine-Seaman on August 17th, 2009 5:21 PM SET FOR LIFE - A Special Confidential Report Posted by Korene Clopine-Seaman on August 4th, 2009 5:03 PM Focus on what makes you unique Posted by Korene Clopine-Seaman on August 1st, 2009 6:22 PM July 2009 The Importance of Providing Quality Service Posted by Korene Clopine-Seaman on July 23rd, 2009 3:24 PM DOWNsizing Can Be Smart, Economical, and Green Posted by Korene Clopine-Seaman on July 21st, 2009 1:56 PM Why Buyers Want to Deal with Only One Real Estate Agent Posted by Korene Clopine-Seaman on July 15th, 2009 1:25 PM Should You Lock in the Rate? Posted by Korene Clopine-Seaman on July 11th, 2009 3:48 PM Do I Need Protection? How Much Protection is Necessary? Posted by Korene Clopine-Seaman on July 3rd, 2009 7:55 PM How Does Yield Spread Help Buyers Buy? Posted by Korene Clopine-Seaman on July 1st, 2009 8:36 PM June 2009 What’s the Big Deal about Journaling Anyways? Posted by Korene Clopine-Seaman on June 28th, 2009 6:36 PM Help Finding an Ethical Mortgage Broker or Mortgage Banker Posted by Korene Clopine-Seaman on June 25th, 2009 5:53 PM You Have Lost Your Job . . . What Do You Do Now? Posted by Korene Clopine-Seaman on June 23rd, 2009 1:55 PM Strategies to Keep Allergies at Bay Posted by Korene Clopine-Seaman on June 5th, 2009 11:16 PM You’ve Lost Your Job… What Comes Next? Posted by Korene Clopine-Seaman on June 5th, 2009 11:15 PM Living Green Affordably Posted by Korene Clopine-Seaman on June 5th, 2009 11:11 PM May 2009 The Federal Government Gives Again but NOT Quite What You Expect -- FHA issues guidelines to lenders Posted by Korene Clopine-Seaman on May 30th, 2009 11:37 PM The Government Is Giving You $8000 To Buy A Home! Posted by Korene Clopine-Seaman on May 26th, 2009 12:21 PM January 2010 (3) December 2009 (5) November 2009 (1) October 2009 (1) September 2009 (3) August 2009 (7) July 2009 (6) June 2009 (6) May 2009 (2) October 2007 (4) My Favorite Blogs: Lisa Bartlett, REALTOR Gillick Realty Company H R Phillips Realty Alliance Financial Resources, LLC Town & Ranch Realty Town and Ranch Realty Sites That Link to This Blog: Joey Fenwick Alliance Financial Resources, LLC Town and Ranch Realty

The one idea and practice that made America GREAT is we work TOGETHER as a Nation.  One Nation Under God... We the People...

We are a direct lender mortgage banker with lending authorization in the following states for Conventional, HUD, FHA, VA, USDA, Reverse,  and Commercial lending with offices in various locations focusing on providing real estate loans to the people in the communities we serve throughout the United States. We are available to help borrowers achieve the dream of home ownership and assist them as they take advantage of today’s real estate investment opportunities and mortgage rates.

Our loan professionals are highly trained in all of the various loan products currently available.  We are well prepared to answer any questions you may have about buying a home or to assist you with analyzing your current home loan. Simply put, they are here to help you make informed right-fit mortgage decisions.

The customer experience is our number one priority. Communication is a very important part of our business model and our unique loan process, and our investment in technology reflects just that. We have mastered the ability to effectively communicate with all parties involved on each and every transaction keeping everyone up-to-date from the first phone call through funding. Our goal is to use all of our resources to make your transaction as smooth and efficient as possible.

With the experience, resources and exceptional service standards, you will see why we deliver…simply better home loans as we are working to expand our lending in other states as well.

Alliance Financial Resouces, LLC
corporate offices
NMLS #142084

2155 W Pinnacle Peak Rd, Suite 201 - Phoenix, AZ 85027
Office Phone:(602) 867-6000 Fax: (602) 867-5877

*Home appraisal or closing credit will be credited at closing.

We lend in the following states: AL, AZ, CA, CO, HI, ID, NM, TN, TX & UT
FHA Approved
Hablamos su idoma!
AL: Hud Exempt  AZ: BK0909311 & BKBR0114792  CA: 4130960  CO: MB 100017823  HI: Hud Exempt ID: MBL 7349  NM: 303372  TN: 4316  TX: 78495  UT: 6399785-MLCO

Veterans Affairs: 910224-00-00
FHA AZ: 2458000001 & 2458000024
FHA Direct Nationwide Lender: 2458000018
USDA

State: County: City: Zip: