Helping Homeowners, Realtors, and Real Estate Attorneys
Solve Title Exam Issues.

Soon You Can Expect a Few Changes

As some of you may already be aware, I have finally been sworn in as a Massachusetts attorney.  As a result, I can now able to handle more complicated title matters which will be a great benefit to many of my clients.Change Ahead

Soon you can expect the following changes:

  •  I will be launching my own law practice, Rosa Law, LLC.

  •  Mortgage Discharge Procurement Services will become a division of Rosa Law, LLC.

  •  You can continue to expect the same great service, dedicated to helping you resolve your title exam issues.

 

In addition, you can be assured that I will work hard to meet your deadlines, and provide any assistance necessary so you can complete your refinance or sale on time.

While I work on integrating my current services and contact information, with the set-up of a law office, all communication will remain the same.

But in the future, I will be asking that new requests be directed to:

MortgageDischarge@attorneyrosa.com

I am confident that everyone will find greater value with my services. I look forward to continuing to work with everyone, and assisting with any future requests.

 

Francisco J. Rosa, Esq.

fr@attorneyrosa.com

Optimism – The Solution to a Depression

The real estate market is picking up all thanks to the optimism of everyone out there looking for a home to buy. There is always demand, even in a down market, but we all prefer a healthy optimistic market.

A rebound is exactly what we have all been waiting for. Along with it come the benefits of a steady, healthy, and growing economy. Let us not forget the economy has always been growing, but now it is growing at a better rate.

What caused all the financial problems? There is no one responsible factor, but rather a combination of issues all leading to the perfect start of a meltdown.Plan

But, perhaps it has lead to a better future for all of us. While a lot of people will suffer the consequences of their damages credit ratings for years, if we all take the lessons to heart, we can prevent another catastrophe during our lifetime.

Lesson one: We all need a savings base on which we can personally rely on. Many financial planners will say to have in a savings account cash equal to at least six month’s worth of salary. But for many, that may seem an impossible amount. Start with a week, then a month, and then eventually you can reach the goal. Set a goal, and work towards it.

Lesson two: Live with a budget. Spending money you don’t have, (i.e. credit card), is very easy. Challenge yourself to pay cash only for one week. As you get accustomed to spending only what you have, you will realize that it becomes impossible to spend what you don’t have.

Lesson tree: Pay off bad debt, control your good debt.

Anyone that pays over 18% on a credit card is giving their money away. It is true that at times there are no other choices, but if you must use credit cards, you can use them wisely. Any credit card that has a zero balance provides at least a one billing cycle to payoff the account in full with $0.00 in interest. If that is what you are doing, then you are using your credit card wisely. If you are paying $400, but spending $800 in the month, you won’t get far, and it will all lead to trouble.

Lesson four: You can never plan for the unknown. Enjoy your life, with responsibility, and take care of yourself and your family. There is no better way that learning to become financially responsible. You may have thought it was something easy to do, but it is not, although it can be learned by anyone.

Lesson five: Plan for tomorrow.

The MA Bar Exam is now behind me!

I must apologize that I may have been unavailable for the last few days. It has been a crazy schedule getting ready for the Massachusetts Bar Exam, but I can finally say I am done….well almost; I still need to wait for the results.

There is nothing more exhilarating then finally reaching the end of a long term goal. I have learned that if you work hard enough you can reach your goals, with patients, time and effort.  I must now wait on the results.Exam

I am looking forward to the opportunity to announce confirmation that I passed in the near future, that is my great hope. But, I have also learned that sometimes it takes more than one try to get through.

In my life, I have had to try more than once to obtain the things I wanted:

  •  I have a driver’s license, class D, and it took me three times;
  • I have a bus driver’s license, class B, and it took me twice;
  •  I have my motorcycle’s driver’s license, class M, and it only took me one try.

 

I really hope I am getting better at achieving my next goal, of a passing the bar, after only one try.

So, now I await the bar results, and hopefully the news I get are those of success!!