Boy, I can’t believe the year is almost over!

What a year 2008 it was. The mortgage and real estate industry continued to tank. Many of you changed your business model, entered new verticals and switched companies altogether. More companies went out of business and other opened for business for the first time. Mortgage guidelines tightened, banks stopped lending to each other and more recently rates dropped to all time lows, even just for a second.

The first African American was elected President, many are finding new life in new verticals and many were forced to optimze their businesses that were long over due.

It has been an amazing year no matter how you look at it and 2009 will be equally as amazing.

I want to wish you all a happy Holidays and thank you for being a loyal reader despite our possibly differences in opinion and having to put up with my horrible writing skills. Your participation and opinions have added more to this blog then any one post. So, thank you!

Happy Holidays!!