Renovating your home can be an effective way to increase its resale value. But not all renovations are created equal—and none are guaranteed to repay 100% of their cost. However, by renovating strategically, you can increase your selling price enough that a significant portion of the renovation costs are passed on to the future owner. Here are the Top 10 renovation projects, ranked by average payback as a percentage of cost. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Are you tired of spending your hard earned money
on advertising that doesn't work?

Discover how SUPERSTAR Realtors get other people
to do their advertising for them... for FREE!

Here’s how they do it...

In tomorrow's 9th secret you'll find out how
Superstar Realtors have their names everywhere.
In books, newspapers, magazines, billboards
-- everywhere you look, you see their name.

Tune in to our next message and find out how
they do it...

It's one message you won't want to miss.

Stay tuned...

For more information, please call us at (416) 300-3540.

Have you ever wondered why some Realtors always
seem to be in the right place at just the right time to
win the listing or close the deal?

In today's 7th secret of Superstar Realtors, you'll learn
why it's no fluke.

Here’s how they do it...

In the upcoming 8th secret, you'll find out why most
Superstar Realtors get so many referrals.

Stay tuned...

For more information, please call us at (416) 300-3540.

Today's video will unveil the secret to commanding
high commissions, have people begging for your services,
and be perceived as the ONLY viable solution by your
prospective clients.

Click here to watch the sixth secret...

In the upcoming 7th secret, you'll discover how to convert
more of your prospects into closed deals and create
loyal clients for life.

Stay tuned...

For more information, please call us at (416) 300-3540.

Ever wondered how some Realtors attract clients
with ease while others struggle just to get their
prospect's attention?

In today's secret, you'll learn how you can be one
of the elite few Realtors who can command the
attention of their prospects.

Click here to watch the fifth secret...

In the upcoming 6th secret, you'll learn how you can
double your commissions, and have people virtually
begging to work with you, and be perceived as the
ONLY logical choice in your prospect's mind.

Stay tuned -- you won't want to miss the next secret...

For more information, please call us at (416) 300-3540.

Welcome to the 4th secret of Superstar Realtors.
In today's secret I unlock the mystery to creating
a constant stream of qualified leads that come to
you instead of the other way around.

All the Superstar Realtors I know use this tactic
and you should too.

Click here to listen to the fourth secret...
[Video Link]

In the upcoming 5th secret you'll learn why
Superstar Realtors can charge higher fees than
all their competitors and still have clients lined
up around the block to use their services.

Stay tuned...

For more information, please call us at (416) 300-3540.

Welcome to the 3rd secret of Superstar Realtors.
In today's secret, you'll learn a very different
approach to marketing your real estate services.

This one approach has more power to build your
real estate business than any other strategy available.

Click here to listen to the third secret...

In next week's 4th secret, you'll learn how top-producing
Realtors get most of their leads and how you can too.

Stay tuned...

Welcome to the 2nd secret of Superstar Realtors.
In today's secret, you'll learn how to market with
the dignity and respect you deserve.

Watch the 2nd secret here...

In next week's 3rd secret, you'll learn a tried and
true process that that can help you generate all
the qualified prospects you can handle.

Stay tuned...

For more information, please call us at (416) 300-3540.

Why do some Realtors® have all the clients they can handle,
while others seem to struggle? Is it because they are smarter
than all the other Realtors® or is it because they simply
work harder? Perhaps neither.

After analyzing the habits, attributes and character traits of
hundreds of real estate professionals over the years, we've
identified the "secrets" that separate the Top 1%
highest-income-earning Realtors® from all the rest.

And for your benefit, we've decided to distill all these traits
down into 21 specific things that create superstar Realtors®
and allow them to pick and choose who they work with, and
have all the clients they can handle.

Are you ready for the 1st secret of Superstar Realtors®?

Here it is...

For more information, please call us at (416) 300-3540.

If you’re like most of the top-producing Realtors I work
with, you’re sick and tired of parasite mortgage pros
who feel entitled to just suck you dry of referrals
without providing any REAL UNIQUE VALUE in return.
Can you relate?

As far as I’m concerned, your mortgage pro should
be one of your most valuable assets, who doesn’t
just provide “great rates” and “great service” –
that’s a minimum expectation – but provides
killer-effective marketing systems that put more
dollars in your wallet. In short, they should be
your SECRET WEAPON – an irreplaceable,
indispensable asset on your team.

With that in mind, here's a quick 3-minute video
showing how I help my Realtor Partners attract
more quality listings and sell them faster for
top dollar.

Check it out:

Well, what do you think? Can you see the value in
using a system like this?

I’m looking forward to hearing from you. Cheers!

For more information, please call us at (416) 300-3540.

Are you tired of spending your hard earned money
on advertising that doesn't work?

Discover how SUPERSTAR Realtors get other people
to do their advertising for them... for FREE!

Here’s how they do it...

In tomorrow's 9th secret you'll find out how
Superstar Realtors have their names everywhere.
In books, newspapers, magazines, billboards
-- everywhere you look, you see their name.

Tune in to our next message and find out how
they do it...

It's one message you won't want to miss.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Have you ever wondered why some Realtors always
seem to be in the right place at just the right time to
win the listing or close the deal?

In today's 7th secret of Superstar Realtors, you'll learn
why it's no fluke.

Here’s how they do it...

In the upcoming 8th secret, you'll find out why most
Superstar Realtors get so many referrals.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Today's video will unveil the secret to commanding
high commissions, have people begging for your services,
and be perceived as the ONLY viable solution by your
prospective clients.

Click here to watch the sixth secret...

In the upcoming 7th secret, you'll discover how to convert
more of your prospects into closed deals and create
loyal clients for life.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Ever wondered how some Realtors attract clients
with ease while others struggle just to get their
prospect's attention?

In today's secret, you'll learn how you can be one
of the elite few Realtors who can command the
attention of their prospects.

Click here to watch the fifth secret...

In the upcoming 6th secret, you'll learn how you can
double your commissions, and have people virtually
begging to work with you, and be perceived as the
ONLY logical choice in your prospect's mind.

Stay tuned -- you won't want to miss the next secret...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Welcome to the 4th secret of Superstar Realtors.
In today's secret I unlock the mystery to creating
a constant stream of qualified leads that come to
you instead of the other way around.

All the Superstar Realtors I know use this tactic
and you should too.

Click here to listen to the fourth secret...

In the upcoming 5th secret you'll learn why
Superstar Realtors can charge higher fees than
all their competitors and still have clients lined
up around the block to use their services.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Welcome to the 3rd secret of Superstar Realtors.
In today's secret, you'll learn a very different
approach to marketing your real estate services.

This one approach has more power to build your
real estate business than any other strategy available.

Click here to listen to the third secret...

In next week's 4th secret, you'll learn how top-producing
Realtors get most of their leads and how you can too.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Welcome to the 2nd secret of Superstar Realtors.
In today's secret, you'll learn how to market with
the dignity and respect you deserve.

Watch the 2nd secret here...

In next week's 3rd secret, you'll learn a tried and
true process that that can help you generate all
the qualified prospects you can handle.

Stay tuned...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Why do some Realtors® have all the clients they can handle,
while others seem to struggle? Is it because they are smarter
than all the other Realtors® or is it because they simply
work harder? Perhaps neither.

After analyzing the habits, attributes and character traits of
hundreds of real estate professionals over the years, we've
identified the "secrets" that separate the Top 1%
highest-income-earning Realtors® from all the rest.

And for your benefit, we've decided to distill all these traits
down into 21 specific things that create superstar Realtors®
and allow them to pick and choose who they work with, and
have all the clients they can handle.

Are you ready for the 1st secret of Superstar Realtors®?

Here it is...

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

If you’re like most of the top-producing Realtors I work
with, you’re sick and tired of parasite mortgage pros
who feel entitled to just suck you dry of referrals
without providing any REAL UNIQUE VALUE in return.
Can you relate?

As far as I’m concerned, your mortgage pro should
be one of your most valuable assets, who doesn’t
just provide “great rates” and “great service” –
that’s a minimum expectation – but provides
killer-effective marketing systems that put more
dollars in your wallet. In short, they should be
your SECRET WEAPON – an irreplaceable,
indispensable asset on your team.

With that in mind, here's a quick 3-minute video
showing how I help my Realtor Partners attract
more quality listings and sell them faster for
top dollar.

Check it out:

Well, what do you think? Can you see the value in
using a system like this?

I’m looking forward to hearing from you. Cheers!

For more information, please call us at (503) 910-4976 or visit tracybellelends.com.

Please forward this to anyone you care about who has filed for bankruptcy. Many Americans find themselves bogged down with a bad credit rating for the wrong reason -- illness, losing a job, or simply not understanding consumer credit. Sometimes bad financial situations happen to good people and bankruptcy is the only way out. But it's
not all doom and gloom -- there are a number of strategies for putting your credit back on track and getting approved for a mortgage, even after bankruptcy. Going from one financial institution to the next, only to be declined again and again can be very frustrating, which is where an experienced mortgage consultant on your side can make all the difference. Here are 10 factors to consider. If you're looking for a top-notch loan officer in Salem, call us at (503) 910-4976.