Ralph's Blog

This quote grabbed my attention, its power speaks for itself. "It is not how you start, it is how you finish" by unknown. Think about it and be good to someone.

Ralph Jorge

Loan Officer

951-907-4770

The Book of Nehemiah

When I heard these words, I sat down and wept and mourned for days; and I was fasting and praying before God of heaven.

5. I/ said, "I beseech You, O Lord God of heaven, the great and awesome God, who preserves the covenant and lovingkindness for those who love Him and keep His commandments,

6. let Your ear now be attentive and Your eyes open to hear the prayer of Your servant which I am praying before You now, day and night, on behalf of the sons of Israel Your servants, confessing the sins of the sons of Irael which we have sinned against You; I and my father's house have sinned.

7. "We have acted very corruptly against You and have not kept the commandments, nor the statutes, now the ordinances which You commanded Your servant Moses.

8. "Remember the word which You commanded Your servant Moses, saying 'If you are unfaithful I will scatter you among the peoples;

9. but if you return to Me and keep My commandments and do them, though those of you who have been scattered were in the most remote part of heavens, I will gather them from there and will bring them to the place where I have chosen to cause My name to dwell.'

10. "They are Your servants and Your people whom You redeemed by your great power and by your strong hand.

May the words of this passage speak to you, bring you more clarity and peace of mind. I have accumulated notes during my walk with God and throughout the process of becoming a re born again Christian, not more than 3 years ago. Dial in your reading, create your interpretation, have an ear to hear and listen to the Wise. Not now, however, I look forward to sharing concrete information to you, that I received from very Earthly lead pastors of nearby cities.

Codered- Emmanuel: "God is with us"

Holy Bible

Scofield Study System

Red Letter

Listening to Michael Jackson, "You are not alone"

This is not my content

Hopefully after viewing this post you can get a written perspective on what we can expect of our president. Before viewing this informed document of what our candidates stand for I didn't really know all the facts and what they believed in. Now I have a better understanding of what our candidates stand for. For example, Mccain believes in traditional marriage and Barack Obama doesn't believe in traditional marriage. For a christian the belief that Mccain has is more likeable than Obama's viewpoint. Take deep consideration to this informed voting document as it is very important in our country's future.

Can you get a good paying job without a degree?

After recently writing about the debate of whether a collge degree was still worth it or not, I have been doing a little bit more research on the topic. I found out about the growing Fauxploma industry and I recently stumbled on an article that talks about the top paying 25 jobs that you can get without a degree.

In the article, the author makes a couple encouraging statements for those without a college degree...

The belief that you need a college education to have a well-paying and rewarding job is quickly fading. A four-year degree definitely has its benefits in the business world, but it's not the only path to a successful career.

and...

"...according to the U.S. Bureau of Labor Statistics (BLS), eight of the 10 fastest-growing occupations through 2014 don't require a bachelor's degree. And these jobs, which include health technology, plumbing, firefighting and automotive repair, are less vulnerable to outsourcing. After all, if a fire breaks out, you need the fire department to be a few blocks away, not halfway around the world."

As I mentioned in the previous posts I wrote about college degrees, regardless of whether or not you get a college degree, you have to be a learner. Success comes from learning. If you don't have a college degree, but you are a lifelong learner devoted to developing yourself and learning new and relevant skills you will be successful. If you are under the assumption (that I was at an earlier point in my life) that you can get a degree, quit learning and coast through life, you are likely to be disappointed.

The mind of the prudent acquires knowledge, and the ear of the wise seeks knowledge.

Proverbs 18:15

25 top paying jobs that don't require a degree

Here are 25 of the top-paying jobs that don't require a four-year degree and their average salaries, based on data from the BLS and CBSalary.com.

1. Air traffic controller: $102,030

2. Funeral director: $79,517

3. Operations manager: $77,839

4. Industrial production manager: $73,000

5. Transportation manager: $72,662

6. Storage and distribution manager: $69,898

7. Computer technical support specialist: $67,689

8. Gaming manager: $64,880

9. First-line supervisor/manager of police and detective: $64,430

10. Nuclear power reactor operator: $64,090

11. Computer specialist: $59,480

12. First-line, non-retail supervisors/manager: $59,300

13. Nuclear technician: $59,200

14. First-line supervisor/manager of fire fighting and prevention worker: $58,920

15. Real estate broker: $58,720

16. Elevator installer and repairer: $58,710

17. Sales representative, wholesale and manufacturing, technical and scientific products: $58,580

18. Dental hygienist: $59,790

19. Radiation therapist: $57,700

20. Nuclear medicine technologist: $56,450

21. Power plant distributor and dispatcher: $57,330

22. Fashion designer: $55,840

23. Ship engineer: $54,950

24. Detective and criminal investigator: $53,990

25. Commercial pilot: $53,870

The author then goes on to make a couple more points worth mentioning...

"The thing to keep in mind is that there are something like 50 million jobs out there that don't require a bachelor's degree and pay upwards of $40,000 a year," says Harlow Unger, author of "But What If I Don't Want to Go to College? A Guide to Success Through Alternative Education."

He goes on to say that according to the U.S. Department of Labor, by 2010, almost two-thirds of all projected job openings will require only on-the-job training

So while a college degree was de rigueur for the Baby Boom generation, that's not necessarily the case now. In today's highly technical and service-related market, workers are judged more on their skills than their sheepskins."

The U.S. Treasury is considering a new, special dollar to be printed to help finance the housing bail out. Initial prints have been leaked to select media outlets.  We were lucky to get our hands on the new design. This is what the new dollar bill will look like.

Ralph Jorge

• Current pay check stubs covering past 30 days.
• employers name, adress, and phone number covering two years.
• 2 months bank statements for all open accounts.
• Driver's License and social security cards.
• W-2 federal tac returns for previous 2 years.
• Mortgage statement and/or rental agreement.
• Complete copies of divorce and/or final judgement.
• Self employment records.
• Complete copies or bankruptcy and discharge.
• Award letter for social security, pension, or other income.
• Landlords name, address, and phone # covering 2 years.

Also participation is very important in the process of closing a loan.

Ralph Jorge

Mortgage Consultant

Everyone should have God in their hearts. Even through a busy lifestyle we as children should make time for our heavenly father. God loves us as many times the grains on the shore. God loves us so much. John 3:16 states, "For God so loved the world that He gave His only begotten Son, that whoever believes in Him shall not perish, but have eternal life. Jesus came through the Holy Spirit to leave us with historical text in the Bible. He left us the Bible to remember him and his example, spread the word and have a "how to live life" guideline. He is such an amazing God.

But what should a believer do? A believer should pray, pray about everything! A believer should repent and love. Prayer really does change things. God listens to you, seek him and he will seek you more. We live by faith, not by sight. The essence of faith consists in believing and receiving what God has revealed. It may be defined as that trust in the God of the scriptures and in Jesus Christ who impels loving obedience and good works. Cor 4:16 "We fix our eyes not on what is seen, but what is unseen. For what is seen is temporary, but what is unseen is eternal."

 You dont have to have a religion but a relationship with Christ! Remember there is more than this world and flesh. We have souls that are crying to be saved. God wants all of his children to go to heaven. He actually loves us so much that he is waiting for his return to allow more people to be saved, to enter the gates of heaven. While God is pulling you towards him, the enemy is pulling you back. Remember our heavenly father. 

Spread the word,

Ralph Jorge

I have learned alot since starting out in the mortgage business. First of all, how agressive do you want to be? This is an important question because it may be the deciding factor if your successful or not. Being agressive is so important. I find myself to be more passive than agressive but believe me I am working on it. Agressive means to ask questions, learn and bug your managers until they get tired of you. Now be moderate also because you do have to be patience is a virtue but be agressive. Also, my manager Tony Kahkosko's motto is appointment, appointment, and appointment. Getting the client in is very important. First of all, a client wants something in writing, plus if you do not have any of there information or have run their credit their is no way of telling their standings.

Next, setting goals and a list of what you'd like to accomplish is a great idea. It motivates, reminds and influences getting to that destination.

For all of you begginning Mortgage Consultants hang in there. Be agressive, patient, learn as much as you can, set goals and you will make it.

Kind Regards,

Ralph Jorge