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Monday Morning Coffee June 28

by Doug & Gwen Campbell at Sun Bay Associates
Monday Morning Coffee


"The best laid plans o' mice and men often go astray."
- Robert Burns

"What would you do if you weren't afraid?"
- Haw (from "Who Moved My Cheese?")


Are you enjoying the good times? Have you achieved your goals and become comfortable in the knowledge that you have reached the zenith of your life and career? But wait! Hold on just a minute. What if things were to change suddenly . . . and you ended up back at the proverbial "Square One"?

Maybe that's already happened to you a time or two. Perhaps your career took a sudden turn in a direction you hadn't anticipated, or a health problem caught you totally by surprise. What did you do then? Were you paralyzed by fear? Did you feel cheated, or angry? Did you blame circumstances for your new situation?

No doubt you are able to rationalize objectively that all of us face change from time to time, that it's a part of life. It's difficult, however, to be objective when change suddenly stares you straight in the eye.

Some answers popped up this week to the challenges of change. You'll find those answers in a short, easy-to-read book entitled "Who Moved My Cheese?" Written by Spencer Johnson (co-author of "The One-Minute Manager"), it's the story of two little mice named "Sniffy" and "Scurry" and two little people the size of mice called "Hem" and Haw." The story traces the whimsical challenges faced by these tiny characters as they travel through the maze called "real life."

If you have ever been challenged by change in your world, you'll find comfort and sage advice in this simple story. It's waiting for you to read, and it's worth the short time you'll need to absorb the lessons it contains. This is a great story - don't miss it!

Aussies Explain the Oil "Spill"

by Doug & Gwen Campbell at Sun Bay Associates

Clark and Dawe, a couple of Aussies, concisely explain the oil spill.  Just a bit of satire.

Click here for the video.

This is not minimizing the horrible nature of the problem at all.  Just a peek at corporate responsibility dodging for this oil spill.  More aptly, perhaps oil gusher.


Monday Morning Coffee

by Doug & Gwen Campbell at Sun Bay Associates
Monday Morning Coffee


"When people are highly motivated, it's easy to accomplish the impossible.
And when they're not, it's impossible to accomplish the easy."

- Bob Collings (Cited in BITS & PIECES)


Beginning in the late '60s, a revolution of sorts began in this country. It was a revolution that was irreverent at times, almost always anti-establishment, and it turned many traditional social customs upside-down.

How did it begin? The young, many of college-student age, began to ask WHY? They challenged everything by asking a simple question - WHY? Why must it be so? Why is this or that the "right" way? Why can't I try a new approach? Everything that had been taken for granted by the establishment up to that time was up for grabs.

Voila! The country changed and will never be the same. Was the change all for the good? Hardly. Families suffered. The security blanket of social customs was yanked away. Collectively, we had to find a new direction, new meaning, for our lives. Was it worth two decades of turmoil? So it would seem.

Today's young families seem to be returning to principle-centered living. They are more sophisticated. They understand and adopt good personal money-management philosophies, and they still ask "why?"

The "why" of today, however, is more constructive. It has led to astounding advances in technology. When you ask a "why" today, you can locate the answer in minutes via the Internet. Audio books, motivational tapes, and "online" educational courses make it possible to become enlightened without the need for social revolution.

What about you? Are you asking "WHY?" often enough? Today, the world is yours if you know how to ask the right questions! The "ask why" generation's gift to all of us was the freedom to question and learn, guilt-free. Want to grow as a person? Start asking "WHY?"!

Monday Morning Coffee

by Doug & Gwen Campbell at Sun Bay Associates
Monday Morning Coffee


"What is more mortifying than to feel you've missed the Plum for want of courage to shake the Tree?"
~ Logan Pearsall Smith


Many years ago, in a country far away, a ruthless dictator terrorized his prisoners. On their execution day, each prisoner was summoned for an audience with the cruel dictator. Standing face-to-face, the dictator gave each condemned man a final choice - to either face the firing squad - or go through the "black door."

Having experienced countless episodes of torture and cruelty already, the prisoners invariably chose death over the unknown terror that they imagined must lie beyond the "black door." Finally, the day came when the dictator himself lay on his deathbed. Curious, his inner circle of advisors asked him, "What lies beyond the 'black door'?" His answer? "Freedom!"

People are still making that choice today - choosing lives dampened by fear, rather than taking a chance on the unknown beyond the black door. That awful, scary feeling that comes from "fear of the unknown" is often just enough to keep us from breaking out into the clear light of day that illuminates our success.

The next time an opportunity presents itself, yet fear threatens to smother success, take time to understand your fear. Make a list of what you fear may happen. Write down the worst that could happen. Next, make a list of the benefits you would reap by taking positive action. When the benefits exceed the risks, the decision will become clear.

Get in the habit of setting clear, concise daily goals for yourself. As you set and achieve them, you will notice that "fear of the unknown" begins to fade. You will accomplish more in a day than you otherwise would in a month.

Finally, remember one of my favorite and often used quotes: "Fear knocked at the door. Faith answered. No one was there."

Is Now The Time to Buy Real Estate in Tampa Bay?

by Doug & Gwen Campbell at Sun Bay Associates

Is now the time to buy real estate in Tampa Bay??  Judging by today's interest rates for regular mortgages and jumbo loans at a local bank, the answer is a resounding yes.

A 30 year mortgage with no points can be had for an APR or 4.7%.  This is for a normal loan, that is less than $417,000.  For a 15 years mortgage, the rate can be as low as 4.38% with no points. 

If someone wants to go to the higher priced homes for a jumbo loan, the rates are still terrific.  A $500,000 mortgage with 20% down could be a low as 6.721 APR for a 30 year note.  For a 15 year jumbo loan with 20% down and no points, the interest rate can be as low as 6.015%.  And with points, the rates can go even lower.

These are historically low rates and can't continue forever.  Yes, this is a great time to buy real estate in the Tampa Bay area.

Monday Morning Coffee

by Doug & Gwen Campbell at Sun Bay Associates
Monday Morning Coffee


"Cheshire-Puss," . . . said Alice, "would you tell me, please, which way I ought to go from here?"

"That depends a good deal on where you want to get to," said the Cat.

"I don't much care where - " said Alice

"Then it doesn't matter which way you go," said the Cat.

" - so long as I get somewhere," Alice added as an explanation.

"Oh, you're sure to do that," said the Cat, "if you only walk long enough."

- from Alice's Adventures in Wonderland by Lewis Carroll


Alice had no destination in mind when she began walking - no goal or objective to be achieved. She just wanted to "get somewhere." Might there be a parallel to that simple lesson in the business of everyday living?

In the average 168-hour week, chances are good that each of us will sleep for approximately 56 hours. That leaves about 112 hours for work and play. Whether or not we know which direction to take each week, we still have that same 112 hours.

If we choose a destination for the week - in the form of some personal or business goal - then set out in that direction, chances are good we will arrive. We will have -0- hours left at the end of the week, and will have achieved our objective.

The reverse is also true. When we allow the week to happen to us, vaguely hoping to "get somewhere," yet having no destination in mind, we still end the week with -0- hours remaining. The difference, of course, is that we accomplish no worthwhile objective.

How often have we been reminded of the importance of having goals and writing them down? With clearly defined goals, we can build a roadmap to our greatest achievements. Without them, we are like a ship without a rudder, unlikely to even get out of the harbor without ending up aground on the beach.

Choosing a worthy destination for our lives is a simple task. We get to choose any direction that excites and fulfills us. Then, once chosen, we need only construct our own "yellow brick road" to take us there.

Displaying blog entries 1-6 of 6




Contact Information

Photo of Gwen and  Doug Campbell - The Campbell Team Real Estate
Gwen and Doug Campbell - The Campbell Team
at Keller Williams Realty
30522 US Hwy 19N, Suite 107 S
Palm Harbor FL 34684
Doug's Cell 727-741-4189
Gwen's Cell 727-741-7260
Fax: 888-447-7908