My Thoughts

weekend plans...

dro — Mon, 24 Mar 2008 04:08:07 GMT

http://www.funnyordie.com/videos/b776c00c54

I need help form Doc and his Flux Capacitor...!!!

dro — Tue, 08 Jan 2008 05:41:45 GMT

I turned 40 ... how the hell did that happen???

And I think we're dead.

dro — Thu, 20 Sep 2007 12:47:35 GMT

You have to watch this!!!! http://www.youtube.com/watch?v=hnZb5wi_jsU

A History of Home Values

dro — Mon, 04 Jun 2007 06:05:08 GMT

to experience this as a roller coaster ride, go to: http://www.speculativebubble.com/videos/real-estate-roller-coaster.php

FOR SALE: 200 Watt Sony Home Speakers ---PRICE REDUCED!!!---

dro — Fri, 09 Feb 2007 20:38:48 GMT

Sony 200 watt Home Speaker Model # SS-U221 ~~~~~~~~~~$20.00 for the pair~~~~~~~~~~ They are in great condition. No damage to the cone or the diaphragm. I am the original owner. email me at: isidro.lends@gmail.com to get a hold of me. "FIRST COME FIRST SERVED"

Holiday Cheer

dro — Sat, 06 Jan 2007 16:17:07 GMT

I have to admit...I had a wonderful holiday season....and it shows. This is a recent pic of me.

Ladies, be aware of a new tactic:

dro — Sat, 30 Dec 2006 16:28:58 GMT

Home Prices May Come Down in 2007

dro — Sat, 30 Dec 2006 14:52:14 GMT

Here is a link to a four minute video regarding the outlook for home prices in 2007. Please contact me for any mortgage needs you / your friends & family may have . http://video.msn.com/v/us/money.htm?g=e63ff55f-71f5-4a17-a212-b4eb36a4d6ad&f=15/64home&fg=copy ~~~~~~~~~HAPPY NEW YEAR~~~~~~~~~

this is Nucking Futs!!!

dro — Mon, 18 Dec 2006 13:05:52 GMT

Jumping the Peleton http://vids.myspace.com/index.cfm?fuseaction=vids.individual&videoid=558456953

Merry Ass-mas !!!

dro — Fri, 15 Dec 2006 00:07:49 GMT

---CLICK ON PIC---

Happy Halloween

dro — Thu, 26 Oct 2006 19:40:15 GMT

***CLICK LINK*** >>> http://www.exoticeroticball.com/videos/2004/web60-2_70k.mpeg <<<

this is why i quit going to church...

dro — Fri, 20 Oct 2006 17:06:09 GMT

http://video.google.com/googleplayer.swf?docId=-3243780867540114139&hl=en >>>>> YOU *MUST* CLICK THE LINK...YOU WON'T BELIEVE YOUR EYES <<<<

the winner of this match is one of my former wrestlers

dro — Wed, 04 Oct 2006 22:10:52 GMT

...now you know why i have major body pains... http://www.youtube.com/watch?v=ky2-XJ4tHT4

who's soul is it anyway...???

dro — Tue, 03 Oct 2006 17:59:10 GMT

i found this video to the freeland song that we all know and love @ http://www.ignoranceisntbliss.com Here is the URL: http://myspacetv.com/index.cfm?fuseaction=vids.individual&videoid=15505316

Gym Etiquette

dro — Thu, 14 Sep 2006 22:15:54 GMT

have you ever watched someone go to tie their shoe in the locker-room...and they are so damn lazy that they put their shoe up on the bench to do so!!!!! this is disgusting!!!! have you ever seen the locker room floor clean? have you ever looked at the bottom of your shoe lately? don't they know that is where i put my clean towel...and my clean pants that my mom said I couldn't get dirty?? WTF??? I have yet to say something to that lazy person...but one day i will let them know.

thanks for the sensuelle event

dro — Sun, 06 Aug 2006 15:41:04 GMT

thanks to all of those that created a hot night (on many levels) you did a wonderful job

Rate vs APR ... HUH ???

dro — Thu, 22 Jun 2006 19:22:43 GMT

Annual Percentage Rate (APR) is a tool that you can use as a starting point to compare loan programs. However, it's important to keep in mind that APR is not a perfect system, and not all lenders calculate APR in the same way. While the Federal Truth-in-Lending Act does require any mortgage broker or lender to disclose APR to the consumer, there is no rule written in stone for calculating this number that each and every lender agrees upon. The point of calculating APR is to let the consumer know what the actual cost of their financing is in the form of a yearly rate. APR factors in certain closing costs and fees associated with the loan, and spreads this total over the life of the loan along with the actual note rate. The objective is to give the consumer a clearer picture of what their actual costs are, and this inhibits lenders from hiding fees or upfront costs behind low interest rates in their advertising. Fees that are generally included in the APR calculation are points, pre-paid interest, loan processing fees, underwriting fees, document preparation fees, and private mortgage insurance. On occasion, lenders will include a loan application fee and/or credit life insurance. Fees that are normally not included in the APR calculation are fees from Title, Escrow, attorney, notary, document preparation, home inspection, recording, transfer taxes, credit report and appraisal. Remember, all lenders do not perform the calculation the same way. Moreover, APR does not consider the possibility of making pre-payments, moving or refinancing. Unless the interest rate is tied to a fixed instrument, APR is even more confusing. Calculating APRs on adjustable rate and balloon mortgages is more complex because we really have no way of knowing what future rates will be. If all lenders calculated APR the same way, we could make easy comparisons when deciding on what loan program to go with. Since they don't, you should know that APR is simply a starting point for comparison. They should rely on the skills of a well-versed loan professional to assist them in obtaining the loan that meets their specific needs. The more important things to consider are how long the loan is needed. What are the long-term goals of the borrower? If the homebuyer only expects to stay in the home for five years, there's not a lot of sense in looking exclusively at 30-Year Fixed rates because the APR seems more reasonable. If a young couple is buying a home, knowing they will refinance in eight years to pay for their son's college education, then once again, APR is not a realistic factor to take into consideration. I am prepared to answer questions about APR once the lender provides the Truth-in-Lending Disclosure Statement (Reg Z), such as why the “amount financed” listed in Box C is not the same as the actual loan amount, and why the APR is higher than the interest rate on the loan in most cases. The consumer will get a clear definition about the fees associated with their loan in the good-faith estimate, but the Truth-in-Lending Disclosure is often an area that is confusing to the borrower. I hope this helped! ***If you are still confused, give me a call to clarify!*** Stay tuned for more information coming your way! :-) Peas out! -Isidro www.castillolends.com

Why Did Rates Drop?

dro — Sun, 18 Jun 2006 17:50:44 GMT

Hello there! I hope you are enjoying your weekend! I just wanted to give you a simple insight as to why rates dropped all last week. The three main reasons for this were: 1) Report on job market was weak 2) Leading Indicators (see below for definition) 3) Fear that the Federal Reserve Bank will raise the prime rate once again. I have some attachments with more details to give you a more precise explanation. Please contact me if you would like me to email those to you. Please feel free to pass this information on to someone you know that may benefit form this news as well. Cheers! Isidro Alvarez Mortgage Consultant / Owner Castillo Financial www.castillolends.com isidro@castillolends.com ----- Definition of leading indicator: An economic indicator that changes before the economy has changed. Examples of leading indicators include production workweek, building permits, unemployment insurance claims, money supply, inventory changes, and stock prices. The Fed watches many of these indicators as it decides what to do about interest rates.

What I Do

dro — Sat, 10 Jun 2006 13:46:31 GMT

I am a veteran high school teacher of eight years where I taught Gov't, AP-Economics, History, Spanish and ESL. From my years of teaching I have learned that there is nothing more rewarding than the gift of knowledge. I have taken my unique ability to empower from the classroom to the mortgage industry, where I educate my clients on the loan process and allow them to select a home mortgage that best suits their needs. I know that it is your American Dream and that it is my purpose to make that dream come true. I am 100% bilingual (Spanish / English) and I am backed with over 20 years experience in the loan industry, allowing me access to over 200 banks! I can provide financing for anything while providing wonderful service with a great deal of integrity anywhere in the United States as well as Mexico and Costa Rica! Contact me for any of the following FREE information: * Home Buyer's Handbook * How to Sell Your Home Fast! -For Sale By Owner * How to Understand Your Credit Score -Booklet * Reverse Mortgage Booklet * Rent vs. Own Evaluation ---All available in English & Spanish----

Need some business...!!!

dro — Fri, 02 Jun 2006 06:09:36 GMT

Hello friends, I hope these words find you in good spirits. I wanted to let you know that the mortgage business has slowed down quite a bit, so I am asking for your help to find new business. Please pass on my information to friends & family members that are interested in purchasing or refinancing their home. I also do equity lines, contruction & commercial loans...as well as loans in Mexico & Costa Rica !!! Check out my website: www.castillolends.com ---or drop me a line: isidro@castillolends.com Thanks in advance for your support. -Isidro

Thanks!

dro — Wed, 12 Apr 2006 21:56:06 GMT

Thanks to all of you who helped me raise over $1,100 for the Leukemia & Lymphoma Society!!!