Many of you have clients that will need 100% financing. Not to worry; there are still several STRONG programs that are available for your clients.
There are available 100% financing programs in California regardless of the declining market factor.
NOTE* The FHA and CalHFA loan limits are subject to the areas New Construction and Resale Targeted and Non-Targeted assessments from HUD.
Loan limits for Sacramento, Placer and Yolo counties for CalHFA Non-Targeted Resale and New Construction are $429,619. For those with targeted areas the loan amount increases to $525,090.
Final Thought…
Don't waste life in doubts and fears; spend yourself on the work before you, well assured that the right performance of this hour's duties will be the best preparation for the hours and ages that will follow it.
~Ralph Waldo Emerson
Tuesday, February 12, 2008
01/16/08 Economic Stimilus Package Update
Here is a recap of the “Stimulus package” that our government has been working on…
Once this is passed, it will generate hundreds of thousands of home sales. This is much needed and wonderful news.
Congress, President Agree to Loan Limit Hike in Stimulus Package stimulus
California will see federally guaranteed mortgages as high as $730,000 if pending emergency legislation, now awaiting action in the U.S. Senate, is approved. Late last week Congress and President Bush reached agreement on the contents of a so-called "economic stimulus" package, which after several days of lobbying and negotiation, now includes an increase in the limits placed on federally guaranteed loans, which should help revive California's slumping housing markets.
The limit on what are referred to as "conforming" loans is set by the federal government and serves as the cap under which "government sponsored enterprises" (GSEs) such as Fannie Mae and Freddie Mac may purchase mortgage loans and turn them into marketable "securities" which private investors buy.
GSEs were established by the federal government over 70 years ago to keep mortgage credit markets "liquid" and help deliver lower interest rates to homebuyers. But the limit now as well as those set over the past several decades are far too low to provide at least half of California homebuyers the lower-financing-cost benefits this Depression-era program intended. CBIA has long complained that these limits don't work in California and force homebuyers in the state to finance their purchases using "jumbo" loans which carry higher interest rates.
It's estimated that over the life of a 30-year jumbo loan a California homebuyer spends $150,000 more in financing costs on the purchase of a median-priced home. If the current agreement between the White House and Congress is enacted - something that's expected to happen in the next two weeks - high-cost markets around the country - and most of those in California - will see conforming loans go from the current $419,000 to $730,000. CBIA was joined in its advocacy for including the conforming loan limit change in the stimulus package by NAHB, the California Association of Realtors and their national association, the California Mortgage Bankers Association and by Governor Schwarzenegger. Indeed, the Governor sent a letter to congressional leaders last week, saying "No issue is of greater importance to California's economy than raising credit for our housing market."
Most economists lauded the proposed changed, confirming that it will give a much-needed shot in the arm to the nation's sagging real estate sector. The National Association of Realtors estimated that a sizeable increase in the loan limit like the one now being pushed in Washington will generate hundreds of thousands of additional home sales nationwide and produce over $40 billion in economic activity.
So, in a nutshell… The activity that this legislation will generate, is going to pump some life back into the market which will also (hopefully) get the majority of consumers “off the fence” and it will create huge oppurtunities for consumers to buy more home for less money and ease higher payments for people that are currently in Jumbo financing.
Final Thought…
"The secret of success in life is for a man to be ready for his opportunity when it comes."
Benjamin Disraeli (1804-1881)British statesman and prime minister
Once this is passed, it will generate hundreds of thousands of home sales. This is much needed and wonderful news.
Congress, President Agree to Loan Limit Hike in Stimulus Package stimulus
California will see federally guaranteed mortgages as high as $730,000 if pending emergency legislation, now awaiting action in the U.S. Senate, is approved. Late last week Congress and President Bush reached agreement on the contents of a so-called "economic stimulus" package, which after several days of lobbying and negotiation, now includes an increase in the limits placed on federally guaranteed loans, which should help revive California's slumping housing markets.
The limit on what are referred to as "conforming" loans is set by the federal government and serves as the cap under which "government sponsored enterprises" (GSEs) such as Fannie Mae and Freddie Mac may purchase mortgage loans and turn them into marketable "securities" which private investors buy.
GSEs were established by the federal government over 70 years ago to keep mortgage credit markets "liquid" and help deliver lower interest rates to homebuyers. But the limit now as well as those set over the past several decades are far too low to provide at least half of California homebuyers the lower-financing-cost benefits this Depression-era program intended. CBIA has long complained that these limits don't work in California and force homebuyers in the state to finance their purchases using "jumbo" loans which carry higher interest rates.
It's estimated that over the life of a 30-year jumbo loan a California homebuyer spends $150,000 more in financing costs on the purchase of a median-priced home. If the current agreement between the White House and Congress is enacted - something that's expected to happen in the next two weeks - high-cost markets around the country - and most of those in California - will see conforming loans go from the current $419,000 to $730,000. CBIA was joined in its advocacy for including the conforming loan limit change in the stimulus package by NAHB, the California Association of Realtors and their national association, the California Mortgage Bankers Association and by Governor Schwarzenegger. Indeed, the Governor sent a letter to congressional leaders last week, saying "No issue is of greater importance to California's economy than raising credit for our housing market."
Most economists lauded the proposed changed, confirming that it will give a much-needed shot in the arm to the nation's sagging real estate sector. The National Association of Realtors estimated that a sizeable increase in the loan limit like the one now being pushed in Washington will generate hundreds of thousands of additional home sales nationwide and produce over $40 billion in economic activity.
So, in a nutshell… The activity that this legislation will generate, is going to pump some life back into the market which will also (hopefully) get the majority of consumers “off the fence” and it will create huge oppurtunities for consumers to buy more home for less money and ease higher payments for people that are currently in Jumbo financing.
Final Thought…
"The secret of success in life is for a man to be ready for his opportunity when it comes."
Benjamin Disraeli (1804-1881)British statesman and prime minister
1/16/08 RESPA UPDATES
Here is an article that you might find interesting and useful. It affects all of us who are licensed with the DRE.
RESPA released this article regarding the enforcement of compliance.
NOTE* Certain lenders avoid sending out RESPA and Disclosures because they have alternative motives, they are lazy or they do not know what they are doing. DRE requires lenders, that it is mandatory RESPA is sent out within 72 hours of a lender either quoting rate or pulling credit. The main reason for this law is so that consumers understand what they are being charged and what the parameters of the loan are. This is how RESPA is cracking down.
I hope this helps.
Issue Date: RESPA News Monthly January 2008, Posted On: 1/2/2008 HUD reports sharp increase in RESPA response efforts
The real estate market may be down, but HUD's RESPA activity is up...way up, according to a new report released by the agency showing that the number of RESPA inquiries and complaints HUD’s RESPA office handled in 2007 was remarkably higher than the year before. HUD also showed an increase in the number of enforcement actions and touted the novel ways it had handled certain RESPA issues in the past year. Read on for a look at the report and to see how HUD’s enforcement continues to rise.
By Robin Wardzala
The real estate market may be down, but HUD's RESPA activity is up...way up, according to a new report issued at the end of 2007 by HUD’s Chief Financial Officer.
The agency's Performance and Accountability Report for FY 2007 summarized (in 447 pages) HUD’s activities over the past year.
The report was broken up into sections corresponding with HUD’s six strategic goals. Notably, while “Increasing Homeownership Opportunities” was HUD’s eighth goal in 2006, in 2007 it ranked as number one, reflecting an apparent rise in the importance of that issue.
As a part of that issue, HUD denoted a sub-goal of “making the homebuying process less complicated and less expensive” which covered its activities under RESPA.
In the 2007 report, HUD noted that it currently receives RESPA inquiries and complaints from consumers, industry and other state and federal regulatory agencies by mail, telephone, and e-mail. The FY 2007 goal was to respond to 3,000 of these inquiries and complaints.
Skyrocketing numbers However, the RESPA office "responded to 6,622 inquiries and complaints during FY 2007. This number exceeds the goal by 121 percent,” HUD said in its report.
This marks a huge increase in the number of inquiries the RESPA office is responding to, as in FY 2006, the department only responded to 1,355 complaints.
According to the report, HUD’s RESPA office “anticipated that by increasing public awareness of enforcement, an increasing number of consumers, industry, and other regulatory agencies would file complaints alleging violations of the act. This increased public awareness has helped bring additional violations of the act to the attention of the department and enabled the department to provide greater assistance to the public, particularly consumers.”
The report added that “the office also was involved in public affairs and outreach by providing training to state and federal regulatory agencies, speaking at industry conferences … [and] providing information to various news agencies … to help increase consumer awareness.”
Industry pays out $6 million
The 6,622 complaints and inquiries the office responded to in 2007 “included questions and complaints from industry, consumer, and state and federal regulators regarding practices that violate RESPA,” HUD said.
“Consumer redress cases returned over $1 million to consumers who complained about unearned fees, misapplied loan payments, unpaid property taxes and unpaid insurance premiums. The office closed 12 formal executed settlement agreements resulting in payments of over $5 million,” the report continued. “Additionally, two agreements were coordinated with state regulatory agencies. In one case, the Department of Justice filed a federal lawsuit on behalf of HUD for violations of [RESPA].”
Curiously, of the 12 closed settlements HUD reported, only nine were publicly announced. Collectively, those nine represented the results of three investigations.
HUD’s reported 12 settlement agreements in FY 2007 also exceeded FY 2006, when HUD announced eight individual settlements, which represented the results of three investigations. That number still fell short of the record number of settlements HUD reached in 2005, when it chalked-up a total of 14 agreements.
The year to come
Regarding HUD’s RESPA goals for 2008, its budget statements indicate that its priorities lie in undertaking reform of the RESPA regulations.
As of press time, the RESPA reform rule was still marked as being under review at the Office of Management and Budget, but sources have indicated that it could be released as early as January 8.
Final Thought…
The man who makes a success of an important venture never waits for the crowd. He strikes out for himself. It takes nerve, it takes a great lot of grit; but the man that succeeds has both. Anyone can fail. The public admires the man who has enough confidence in himself to take a chance. These chances are the main things after all. The man who tries to succeed must expect to be criticized. Nothing important was ever done but the greater number consulted previously doubted the possibility. Success is the accomplishment of that which most people think can't be done.
~C. V. White
RESPA released this article regarding the enforcement of compliance.
NOTE* Certain lenders avoid sending out RESPA and Disclosures because they have alternative motives, they are lazy or they do not know what they are doing. DRE requires lenders, that it is mandatory RESPA is sent out within 72 hours of a lender either quoting rate or pulling credit. The main reason for this law is so that consumers understand what they are being charged and what the parameters of the loan are. This is how RESPA is cracking down.
I hope this helps.
Issue Date: RESPA News Monthly January 2008, Posted On: 1/2/2008 HUD reports sharp increase in RESPA response efforts
The real estate market may be down, but HUD's RESPA activity is up...way up, according to a new report released by the agency showing that the number of RESPA inquiries and complaints HUD’s RESPA office handled in 2007 was remarkably higher than the year before. HUD also showed an increase in the number of enforcement actions and touted the novel ways it had handled certain RESPA issues in the past year. Read on for a look at the report and to see how HUD’s enforcement continues to rise.
By Robin Wardzala
The real estate market may be down, but HUD's RESPA activity is up...way up, according to a new report issued at the end of 2007 by HUD’s Chief Financial Officer.
The agency's Performance and Accountability Report for FY 2007 summarized (in 447 pages) HUD’s activities over the past year.
The report was broken up into sections corresponding with HUD’s six strategic goals. Notably, while “Increasing Homeownership Opportunities” was HUD’s eighth goal in 2006, in 2007 it ranked as number one, reflecting an apparent rise in the importance of that issue.
As a part of that issue, HUD denoted a sub-goal of “making the homebuying process less complicated and less expensive” which covered its activities under RESPA.
In the 2007 report, HUD noted that it currently receives RESPA inquiries and complaints from consumers, industry and other state and federal regulatory agencies by mail, telephone, and e-mail. The FY 2007 goal was to respond to 3,000 of these inquiries and complaints.
Skyrocketing numbers However, the RESPA office "responded to 6,622 inquiries and complaints during FY 2007. This number exceeds the goal by 121 percent,” HUD said in its report.
This marks a huge increase in the number of inquiries the RESPA office is responding to, as in FY 2006, the department only responded to 1,355 complaints.
According to the report, HUD’s RESPA office “anticipated that by increasing public awareness of enforcement, an increasing number of consumers, industry, and other regulatory agencies would file complaints alleging violations of the act. This increased public awareness has helped bring additional violations of the act to the attention of the department and enabled the department to provide greater assistance to the public, particularly consumers.”
The report added that “the office also was involved in public affairs and outreach by providing training to state and federal regulatory agencies, speaking at industry conferences … [and] providing information to various news agencies … to help increase consumer awareness.”
Industry pays out $6 million
The 6,622 complaints and inquiries the office responded to in 2007 “included questions and complaints from industry, consumer, and state and federal regulators regarding practices that violate RESPA,” HUD said.
“Consumer redress cases returned over $1 million to consumers who complained about unearned fees, misapplied loan payments, unpaid property taxes and unpaid insurance premiums. The office closed 12 formal executed settlement agreements resulting in payments of over $5 million,” the report continued. “Additionally, two agreements were coordinated with state regulatory agencies. In one case, the Department of Justice filed a federal lawsuit on behalf of HUD for violations of [RESPA].”
Curiously, of the 12 closed settlements HUD reported, only nine were publicly announced. Collectively, those nine represented the results of three investigations.
HUD’s reported 12 settlement agreements in FY 2007 also exceeded FY 2006, when HUD announced eight individual settlements, which represented the results of three investigations. That number still fell short of the record number of settlements HUD reached in 2005, when it chalked-up a total of 14 agreements.
The year to come
Regarding HUD’s RESPA goals for 2008, its budget statements indicate that its priorities lie in undertaking reform of the RESPA regulations.
As of press time, the RESPA reform rule was still marked as being under review at the Office of Management and Budget, but sources have indicated that it could be released as early as January 8.
Final Thought…
The man who makes a success of an important venture never waits for the crowd. He strikes out for himself. It takes nerve, it takes a great lot of grit; but the man that succeeds has both. Anyone can fail. The public admires the man who has enough confidence in himself to take a chance. These chances are the main things after all. The man who tries to succeed must expect to be criticized. Nothing important was ever done but the greater number consulted previously doubted the possibility. Success is the accomplishment of that which most people think can't be done.
~C. V. White
12/27/08 Happy New Year and May Your Dreams Come True!
Instead of sending focusing on a market update, I want to focus completely on you today. With that in mind, I have three thought provoking questions to ask you…
1.) What goals, if you accomplished them, would make your world a better place and give you a deep sense of achievement?
2.) What do you desire, that you have been putting off?
3.) What are the three most significant things that you would like to complete for yourself this coming year?
I ask you this because, with the New Year being only a few days away, it is time to think about what you will be striving for through 2008 and what barriers need to be removed that held you back in 2007!
I am sending you this because I had a chance to converse with the author of the following mini-article as he inspired me to look at some aspects of my life, which I know all of us go through at times. My wish is that you are able to take something from it as well.
This is my gift to you in hopes that you have the best year ever.
~
~ The Time To Start Working On That Dream Is Now! ~
Most of us are hesitant to start anything because we are afraid we might make a mistake or fail. Go ahead make mistakes!
Don't wait for more experience or to be good enough to start. You don't have to be good to start, but you have to start to be good. Some may tease and laugh at you. They will warn you, and recite all the reasons why you shouldn't take the risk. These will be the ones to wait around patiently hoping to say, "I told you so."
Brush them off. If you let these people influence you in any way, you will never, ever be ready to go ahead and start making your dream a reality.You will never have enough money, enough time, enough support, or experience to start. But once you muster up the courage to take that giant step forward and start, the rest will fall into place.
But only you can make it happen! You have to start now with whatever you know, whatever you have, and wherever you are. Don't let money be your handicap. You don't need money to make the phone call, attend that networking event, or go as a guest to an association meeting in your field.
How about volunteering a few hours a week to work for someone in the business arena that you're thinking about? Do you see what I mean? You have so many opportunities out there. Do something! Be sure to keep a good database. Record your contacts and touch base with them every three months. And guess how much that will cost you? Zero. Most computers already come with a database program. All you need is a little time which you can choose to create right now. Your assignment: This month, write down what kind of resources you will need and which people can help you make your dream a reality. Be creative! Go for it.
If you would like to sign up for Rene Godefroy’s newsletter go to:
www.villagehero.com
Final Thought…
Cherish your vision and your dreams as they are the children of your soul; the blueprints of your ultimate achievements.
-Napoleon Hill
1.) What goals, if you accomplished them, would make your world a better place and give you a deep sense of achievement?
2.) What do you desire, that you have been putting off?
3.) What are the three most significant things that you would like to complete for yourself this coming year?
I ask you this because, with the New Year being only a few days away, it is time to think about what you will be striving for through 2008 and what barriers need to be removed that held you back in 2007!
I am sending you this because I had a chance to converse with the author of the following mini-article as he inspired me to look at some aspects of my life, which I know all of us go through at times. My wish is that you are able to take something from it as well.
This is my gift to you in hopes that you have the best year ever.
~
~ The Time To Start Working On That Dream Is Now! ~
Most of us are hesitant to start anything because we are afraid we might make a mistake or fail. Go ahead make mistakes!
Don't wait for more experience or to be good enough to start. You don't have to be good to start, but you have to start to be good. Some may tease and laugh at you. They will warn you, and recite all the reasons why you shouldn't take the risk. These will be the ones to wait around patiently hoping to say, "I told you so."
Brush them off. If you let these people influence you in any way, you will never, ever be ready to go ahead and start making your dream a reality.You will never have enough money, enough time, enough support, or experience to start. But once you muster up the courage to take that giant step forward and start, the rest will fall into place.
But only you can make it happen! You have to start now with whatever you know, whatever you have, and wherever you are. Don't let money be your handicap. You don't need money to make the phone call, attend that networking event, or go as a guest to an association meeting in your field.
How about volunteering a few hours a week to work for someone in the business arena that you're thinking about? Do you see what I mean? You have so many opportunities out there. Do something! Be sure to keep a good database. Record your contacts and touch base with them every three months. And guess how much that will cost you? Zero. Most computers already come with a database program. All you need is a little time which you can choose to create right now. Your assignment: This month, write down what kind of resources you will need and which people can help you make your dream a reality. Be creative! Go for it.
If you would like to sign up for Rene Godefroy’s newsletter go to:
www.villagehero.com
Final Thought…
Cherish your vision and your dreams as they are the children of your soul; the blueprints of your ultimate achievements.
-Napoleon Hill
12/21/07 Aid for Distressed Families
Here is some great news on changes in the market place that will aid families who are in distressed situations.
I have followed it up with an inspirational excerpt from Napoleon Hills: Grow Rich! With Peace of mind.
~
Mortgage Forgiveness Act Signed into Law
Yesterday, President Bush signed H.R. 3648, The Mortgage Forgiveness Act of 2007, into law, sparing homeowners the tax burden associated with canceled mortgage debt.
Prior to this action, forgiven mortgage debt due to foreclosure, short sale, or deed in lieu of foreclosure, was considered taxable income. The new law, however, temporarily waives these taxes for debts forgiven (as high as 35%) from the beginning of 2007 to the end of 2009. The bill also extends the tax deduction for mortgage insurance premiums through 2014.
"This is going to make a happy holiday for many homeowners," President Bush said yesterday before signing the bill in to law. During the press conference he added the following:
"When you're worried about making your payments, higher taxes are the last thing you need to worry about. So this bill will create a three-year window for homeowners to refinance their mortgage and pay no taxes on any debt forgiveness that they receive. And it's a really good piece of legislation. The provision will increase the incentive for borrowers and lenders to work together to refinance loans – and it will allow American families to secure lower mortgage payments without facing higher taxes."
"There's more work to be done," Bush added, saying that Congress needs to pass legislation to strengthen Freddie Mac and Fannie Mae, to modernize FHA, and to allow the government to issue tax-exempt bonds for refinancing existing home loans.
~
Excerpt from Napoleon Hill’sGrow Rich! With Peace of Mind: by Napoleon Hill
What do we mean by BELIEVE? “Wishing won’t make is so,” runs an old saying. This is true, and helps you remember a wish is not a belief.
A wish takes place, as it were, upon the surface of the mind. I wish . . . you may say, and follow with any wish that tickles your fancy . . . to have a million dollars drop into your lap . . . to be able to flay your arms and fly. A wish is not limited by natural forces.
That very apparent fact, however, is not the main difference between a wish and a belief. A belief is created, as it were, in the depths of the mind. A belief becomes part of you. That is why a true, deep belief can change your glandular secretions and the content of your bloodstream, and work other physical changes beyond the power of medical science to explain. Again, a belief, radiating its unknown wave length from the depths of your mind to the depths of another mind, accounts for a good deal of “personality” power and much else on which we can put only the clumsiest of labels. It is belief in a cause – much stronger than a wish to stay alive – which causes people to transcend even the instinct of self-preservation. It is belief that founds religion, sustains nations, stands behind anything great that ever is achieved. A belief, I repeat, is part of you; that is why you can achieve what you believe. Moreover, when you hold a great belief you believe all the time, just as, all the time, you go on living. Source: Grow Rich! With Peace of Mind. Napoleon Hill. Fawcett Crest Book, 1967. Pg. 177.
( If you would like to subscripe to the Napoleon Hill Inspirational newsletter go to: www.Napoleon-Hill-News.com )
Final Thought…
To laugh is to risk appearing a fool,
To weep is to risk appearing sentimental,
To reach out to another is to risk involvement,
To expose feelings is to risk exposing your true self,
To place your ideas and dreams before a crowd is to risk their loss,
To love is to risk not being loved in return,
To hope is to risk despair, To try is to risk to failure.
But risks must be taken because the greatest hazard in life is to risk nothing.
The person who risks nothing, does nothing, has nothing is nothing.
He may avoid suffering and sorrow,But he cannot learn, feel, change, grow or live.
Chained by his servitude he is a slave who has forfeited all freedom.
Only a person who risks is free.
~Anon.
I have followed it up with an inspirational excerpt from Napoleon Hills: Grow Rich! With Peace of mind.
~
Mortgage Forgiveness Act Signed into Law
Yesterday, President Bush signed H.R. 3648, The Mortgage Forgiveness Act of 2007, into law, sparing homeowners the tax burden associated with canceled mortgage debt.
Prior to this action, forgiven mortgage debt due to foreclosure, short sale, or deed in lieu of foreclosure, was considered taxable income. The new law, however, temporarily waives these taxes for debts forgiven (as high as 35%) from the beginning of 2007 to the end of 2009. The bill also extends the tax deduction for mortgage insurance premiums through 2014.
"This is going to make a happy holiday for many homeowners," President Bush said yesterday before signing the bill in to law. During the press conference he added the following:
"When you're worried about making your payments, higher taxes are the last thing you need to worry about. So this bill will create a three-year window for homeowners to refinance their mortgage and pay no taxes on any debt forgiveness that they receive. And it's a really good piece of legislation. The provision will increase the incentive for borrowers and lenders to work together to refinance loans – and it will allow American families to secure lower mortgage payments without facing higher taxes."
"There's more work to be done," Bush added, saying that Congress needs to pass legislation to strengthen Freddie Mac and Fannie Mae, to modernize FHA, and to allow the government to issue tax-exempt bonds for refinancing existing home loans.
~
Excerpt from Napoleon Hill’sGrow Rich! With Peace of Mind: by Napoleon Hill
What do we mean by BELIEVE? “Wishing won’t make is so,” runs an old saying. This is true, and helps you remember a wish is not a belief.
A wish takes place, as it were, upon the surface of the mind. I wish . . . you may say, and follow with any wish that tickles your fancy . . . to have a million dollars drop into your lap . . . to be able to flay your arms and fly. A wish is not limited by natural forces.
That very apparent fact, however, is not the main difference between a wish and a belief. A belief is created, as it were, in the depths of the mind. A belief becomes part of you. That is why a true, deep belief can change your glandular secretions and the content of your bloodstream, and work other physical changes beyond the power of medical science to explain. Again, a belief, radiating its unknown wave length from the depths of your mind to the depths of another mind, accounts for a good deal of “personality” power and much else on which we can put only the clumsiest of labels. It is belief in a cause – much stronger than a wish to stay alive – which causes people to transcend even the instinct of self-preservation. It is belief that founds religion, sustains nations, stands behind anything great that ever is achieved. A belief, I repeat, is part of you; that is why you can achieve what you believe. Moreover, when you hold a great belief you believe all the time, just as, all the time, you go on living. Source: Grow Rich! With Peace of Mind. Napoleon Hill. Fawcett Crest Book, 1967. Pg. 177.
( If you would like to subscripe to the Napoleon Hill Inspirational newsletter go to: www.Napoleon-Hill-News.com )
Final Thought…
To laugh is to risk appearing a fool,
To weep is to risk appearing sentimental,
To reach out to another is to risk involvement,
To expose feelings is to risk exposing your true self,
To place your ideas and dreams before a crowd is to risk their loss,
To love is to risk not being loved in return,
To hope is to risk despair, To try is to risk to failure.
But risks must be taken because the greatest hazard in life is to risk nothing.
The person who risks nothing, does nothing, has nothing is nothing.
He may avoid suffering and sorrow,But he cannot learn, feel, change, grow or live.
Chained by his servitude he is a slave who has forfeited all freedom.
Only a person who risks is free.
~Anon.
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