THOSE WHO DO MORE THAN THEY ARE PAID FOR WILL SOONER OR LATER BE WILLINGLY PAID FOR MORE THAN THEY DO.

If you consistently do more than you are paid to do-whether you are a professional, an executive, an hourly worker, or an entrepreneur-you will eventually be compensated for far more than you do. If you give more and better service than those around you, customers will beat a path to your door, and your boss will consider you irreplaceable. With the dearth of outstanding service that exists in the world today, you can instantly differentiate yourself from the competition simply by providing good service.

Rates May Be Headed Up Soon...But Why?

You've heard a lot over the last several months about historically low home loan rates...but lately, you've probably been hearing the buzz that interest rates may be heading up in the near future, due in part to the Fed ending their purchases of Mortgage Backed Securities.

All of this begs the question: How and why do rates move...and what is happening right now?

The answer involves a number of factors and can seem complex. But it doesn't have to be!

To help you understand how interest rates move, take a look at this easy to understand video. You'll learn what the Fed has been doing to keep rates low, as well as the connection between interest rates and Mortgage Backed Securities.

Take a look at the video now for an easy explanation: Just click on the title of this article and it will take you to the video...How Rates Move - and What it Means Right Now

ONLY THOSE WHO HAVE THE HABIT OF GOING THE SECOND MILE EVER FIND THE END OF THE RAINBOW

It is a fact of life that most of us try and fail many times before we ultimately achieve the level of success that we desire. You can expect to travel the extra mile many times only to find fool’s gold at the end of your rainbow. But you will most certainly miss out on the great riches that await you if you quit trying. A superficial commitment to doing more than expected based only on what you expect to receive will not sustain you in the long term. Great achievement results from a commitment to do the right thing regardless of the consequences, and that commitment will ultimately lead you to the pot of gold at the end of your rainbow.

REMEMBER THAT EVERY TIME YOU GO THE EXTRA MILE, YOU PLACE SOMEONE UNDER OBLIGATION TO YOU

When you do something to or for another, whether your deeds are good or bad, people feel compelled to "retaliate" in kind. If you are a kind and decent person, you can expect to be treated well in return. If you use others for your own advantage without giving anything in return, you will soon find that they have little use for you. People like working for and with positive, considerate people. Start now to develop the habit of going the extra mile.

Great Superbowl Commercials !!!

Cell Phone Directory Assistance Calling From ATT

As you know, directory assistance calls from your AT&T cell phone cost $1.99 each now and can add up fast. I imagine Verizon and other carriers have a similar fee,

Here's a toll free directory assistance number from AT&T. There is no fee per use like the 4-1-1 call on the cell phone, you only pay for minutes like you would for a call to any other land line. If you have Verizon or other service, I would imagine it would work the same way, but you could check with them.

Here's the 800 Number: 1-800-935-5697 (that's 1-800-YELLOWP ). I have put it in my phone, please put it in yours. Name it what you like, I named it '411' so it would show up at the beginning of the list. Feel free to give to your friends, too!