John Hoyle - Web Design and Consulting

It’s Tuesday and election day in Pennsylvania. Today might mark the beginning of a “new beginning,” or it may be just the beginning of another major political disappointment. The winner of the Pennsylvania Democratic Primary could turn out to be this country’s last hope for a major turnaround from the course this country has been taken under the leadership of George W. Bush.

We’ve been watching several documentaries that cover the events that led up to the Iraq War and the oil crisis. It’s eerie that there is so much information and documentation that proves that there is a relationship between the country going broke paying for a war none of us want to be in - and the growing wealth of the oil companies and their management. Yet the media, namely large newspapers and TV networks, are basically ignoring the situation and nothing is being done by the Justice Department to stop this pilfering of the public treasury.

Follow the money: Bush = oil and energy; Cheney = Halliburton and defense contractors.

For my part, I can only hope that either Senator Obama or Senator Clinton actually follow through on their promises and get us out of the war, improve the economy, restructure the medical insurance industry, and actively promote and finance stem cell research. Based on past history, I would put my money and my vote on Obama. Senator Clinton has already proven that she has past ties to big money and influential corporate lobbyists. For me, having Bill back in the White House is also a scary thought.

My wish is for truth in advertising from the candidates and for the winner of the election to actually do what has been promised. But in America, there is always the old fallbacks: It’s not the President’s fault because Congress wouldn’t vote for it or the Supreme Court found it unconstitutional. Sorry folks - but in spite of all the promises that were made, you’ve likely been scammed again.

Feel free to register and login and comment. I’d love to know what my friends and family think of this whole election process and what they forecast for the future.

Over the past few weeks I’ve added some new links to other sites of mine.  Today I’ve added a link to my brother’s new “business card” page hosted by Indymac Bank. Denny is a home loan consultant for Indymac in Orange County, California.

Denny and I frequently chat about the state of real estate throughout the country, but especially in Southern California where he owns a very nice home and I manage a rental property.  In spite of the doom and gloom that surrounds the real estate and banking industries right now, Denny is pretty upbeat and feels that homeowners with a good property and a decent loan will pull through just fine.

Unlike many loan brokers and bank loan officers, Denny is fortunate, thanks to his relationship with Indymac Bank and his other industry contacts, to still have access to a wide range of loan products for almost any home owner or buyer.  He can handle basic conforming home loans, “jumbos” and “super jumbos,”  and even reverse mortgages for old folks like me.  He can also serve clients in most other states.

Now that interest rates are about as low as they have ever been, Denny feels that anyone that has a loan with an interest rate over 6.50%, whether fixed or an adjustable, should consider refinancing soon.  There is actually plenty of money available, and lenders like Indymac Bank really do want to help you get a better loan.  But you need someone who knows how to package your loan file to get it past the much tougher underwriting guidelines that now exist - and Denny is certainly one of the best when it comes to pulling together a quality loan application.

I know he’s my brother, and I probably shouldn’t be bragging about him like this on my blog, but he really is one of the best brokers I’ve ever known in the home loan industry.  He’s been in the lending industry for well over twenty years and has survived and prospered through several real estate booms and busts.  When it comes to mortgages and equity loans, Denny is definitely my hero.

Oh yes, and I think Denny is a pretty cool guy in lots of other ways too!

At the suggestion of my brother Denny, I have updated our father’s memorial pages that are linked to this website. 

Within just a few weeks it will be two years since his passing, yet it seems like it was just recently that I saw him last.  So many of the good memories from my youth involve my father.  Although he could be a heavy-handed disciplinarian (both literally and figuratively) at times, I never doubted that he loved me and really wanted me to grow up to be a responsible adult and do well. 

When it involved sports, Dad was not only a coach to my brother and me, but also a great playmate.  He loved to get out and mix it up a little, wrestling and boxing with us, tossing a football, or grabbing a baseball glove and playing catch with us for hours in the front yard of our home in Riverside, California.  He was still playing catch with us when we were adults and had kids of our own and he was well into his fifties.

I prefer to think of my father in that way - looking back on the days of my youth.  In later years our relationship became more strained and distant, not only in miles, but also in other ways.  Even though I did not agree with some of his beliefs, nor he with mine, I know he was just as sincere in his position as I was.  Through all of that, I always loved him and was sure he felt the same way about me.

Sometimes there is a price that must be paid and tears to be shed as we go our separate ways and move away from our parents.  Although they are both gone now, I will always have my wonderful memories of Dad and Mom and the great life we all had as kids.

The memorial pages have an improved layout, are printer friendly, and there is a new picture of Dad in his seventies at the end of the text.  I’ve corrected some spelling errors and weak grammar in an attempt to make the text flow smoother. Click on the link in the side panel to check it out. 

This is just to let everyone know that I have updated both my main business website, www.Hoyle-Consulting.com ,  and my larger secondary site, www.SmallWebMaster.com.  These two sites are designed to promote my Salem, Oregon based web design and services business.

Remember that I also own and manage www.ALowCostWebSite.com, a full services domain registration service.  On that site, I provide very low cost dot-com domain names with prices starting as low as $3.99 for a “.com” and standard pricing of $7.99 and $9.99 for all other domain names.

ALowCostWebSite.com also provides hosting, server space, Email and E-Fax and other web based services.

I will be soon adding a company newsletter that discusses web design and Internet services in detail.  I will also be offering free EBooks that cover a multitude of subjects.

My next big project is to finish up my latest website project which covers Pacific Northwest lifestyles.  I am also establishing business relationships with several local artists to not only promote their own work, but also to provide illustrations and other art work for my future websites.

I expect to have a very busy year with a lot of growth.  My websites for Stephanie Stamos and Dick Kelly will see additions and changes over the next few months.  I will continue to provide website and marketing work for Marco at Compass Lending Corporation and some other Southern California real estate based companies.

It goes without saying that if you know of anyone looking to put together a new website or needs some help with an existing site, feel free to have them call or email me.

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