Thank you all very much!  This many be the first article some of you have ever read or it may be the 326th article for some of you.  Either way, I would like to thank you very much for taking the time to read my blog.  I will continue to produce quality content and I hope you enjoy reading it as much as I enjoy writing it!

With that being said, I need your help to tell others about this site.  I know many of you have used the resources available to lock in at low rates.  I get emails every day from home owners who refinance at rates they would have never imagined.  This is awesome!  I could not be any more pleased than to help you guys and girls educate yourself on the overall mortgage market and then put that knowledge to use.  With that, I want to reach as broad of an audience as possible.  If you just tell one friend about the site, it will greatly help.  If one friend tells one friend, you can just imagine how quickly word will spread.

If you have a website, blog or even email address, please link back to my website.  Any links back to this site would be much appreciated.  If you have Facebook, please join the Subprime Blogger Facebook group.  I often send emails through Facebook updating members on what is coming up on Subprime Blogger.  Any other promotion that you can give this site would be greatly helpful.  In the end, I want to reach as many people as possible and the best way to do that is to have my readers help me!

If any of you have a topic or question you want to read about, please let me know and I will be glad to write an article on your topic of course.  Also, please feel free to comment and join in on any article I post.  I know I am often wrong, look at last week’s mortgage rate predictions, and I would encourage you to tell me that.  If you totally disagree with my opinion, let me have it!  If you agree, great, I enjoy hearing that too.  Overall, I want to take this site to the next level and reach as many people as possible.  So, please, help Subprime Blogger to get this ball rolling!  Most of you know how much I love to do this, but nothing would make me happier than seeing this site gain in popularity.

One charateristic I would definitely give myself is entrepreneurial.  I do have a masters degree, but this top 10 list of Entreprenuers versus MBA’s describes my Subprime Blogger adventure to a tee!

1. Born, not made. This old adage explains one of the most commonly-held differences between entrepreneurs and those with an MBA. While entrepreneurs typically have a drive and ambition that may also be present in those with an MBA, they usually are willing to take risks in order to succeed that stands them apart from others, and this risk-taking character trait is typically not something that can be taught.
2. Causal reasoning vs. effectual reasoning. According to Dr. Saras D. Sarasvathy, a leader in the researching and teaching entrepreneurship, the difference between entrepreneurs and MBAs lies within the way they reason. According to Dr. Sarasvathy, MBAs gather information about the environments and markets, then make decisions based on what they can control within a situation. On the other hand, entrepreneurs approach decisions with the idea that they can control the situation, and they invoke creative decisions and problem-solving techniques in order to maintain their control over a situation.
3. Knowing the nuts and bolts. MBAs may gain more knowledge to help them to grow or maintain a business’ success whereas an entrepreneur may excel in how to get the business off the ground, but might benefit from what is learned in school to know about finance, marketing, and strategy.
4. Non-conformist. According to research, entrepreneurs are non-conformists. Not only do they want to forge ahead when told they can’t do something, they even take a certain amount of pride in the fact that they do not meet up with set standards. While there are most certainly non-conformists among the MBA set, most people choosing to earn their MBA are embracing what is not only seen as a socially acceptable method of achieving success, but one held in high esteem.
5. Adaptability. While MBAs learn how to create and implement solid business plans, successful entrepreneurs usually rely on a large amount of adaptability to keep their ideas going in the right direction. Good entrepreneurs learn to recognize when their original ideas may need fine tuning or when they might need to take a completely different path to achieve their goals.
6. Willingness to fail. While no one wants to fail, entrepreneurs who experience failure (and that is usually quite a few), learn from their experiences and keep moving forward. MBAs can and do as well, but the basic structure of school is that you succeed. Failing several classes will certainly result in no longer being a part of the program when working for an MBA, but the same can’t be said of entrepreneurship.
7. Security. For many, the goal of getting an MBA is to secure a good job and achieve success in the business world. Achieving success in this manner is much safer than the goal of many entrepreneurs, which is to obtain the same success in business, but without safety net of security. Entrepreneurs may risk their time, energy, and savings to reach a goal that may or may not materialize. For most graduates with an MBA, especially if it is from a top-tier school, landing a good job after graduation is much less risky.
8. Belief in their dreams. Entrepreneurs are well known for following their dreams even, and maybe especially, in the face of adversity. While MBAs also have goals and aspirations, theirs are usually more down-to-earth, such as graduating and securing a good job or becoming CEO of a company. For entrepreneurs, they may be holding on to a dream that seems crazy to others yet they believe fervently has potential.
9. Learning to learn. The business school experience can teach you how to learn. More than just listening, preparing to learn by having a solid baseline of knowledge from which to start, that can come from business school, will eliminate any wasted time getting up to speed when learning from peers and mentors alike. Additionally, getting to know professors and learning about what impassions them can deepen the amount and quality of what is learned. Entrepreneurs can still gain the ability to learn how to learn, but it may not be synthesized into such a short amount of time.
10. Create the future. According to John Elkington and Pamela Hartigan in their book, The Power of Unreasonable People: How Social Entrepreneurs Create Markets That Change the World, entrepreneurs create the future by developing and communicating a clear vision of the future as they see it based on, sometimes, years’ worth of thinking about that vision. While MBAs frequently have insight to what can make a business successful, the entrepreneur typically relies on a type of insight that isn’t taught in school and is created specifically from the vision within.

I seriously do not think one person I know had confidence that I could have success with Subprime Blogger.  Many people felt I could make a few extra dollars and I would get a few hundred hits a day, but nothing significant.  “There is NO WAY you can quit your job to write a silly little blog.”  I heard this on a consistent basis for at least six months.  All that did was give me the motivation to work harder.  I have several emails and conversations posted on my wall that help to remind me that “I can’t make Subprime Blogger a success.”  Well, we will just see about that.  Not only will I make it a success, I will make it a resounding success!

I hope that one day someone mentions this site as inspiration the way I mentioned Steve Pavlina.  My ultimate goal with this site is to help others find themselves financially.  I will be the first to admit that I am not always positive but I do tell you the truth.  If you have read this site for a significant period of time, you can back me up on that statement.  I hope to continue this by reaching as large of an audience as possible.  I would like to personally thank each and every one of you who read my blog and please pass it along.  Thank you for giving me the opportunity to do what I love.

Today is a perfect example of why I love my new job of being a full time blogger.  Something that is near and dear to my heart is having the ability to help others do what they love to do.  I have told many of my friends and former coworkers that if you can find what you absolutely love to do and can make any money doing it, then you have found your calling in life.  Originally I had no intentions of making this website my occupation.  After writing several articles and getting feedback from other financially knowledgeable individuals I was amazed at how happy I was.

Could I really create a website that allowed me to post current mortgage rates and follow it up with my opinion?  Well, the answer is yes.  Not only am I allowed to state my opinion but every single day of my life I learn something new.  Google is by far the greatest technology company in America, but you would not believe how much their search engine makes sense.  If you hav ever done a search on Google compared to a search on Yahoo or Bing, you know exactly what I mean.  Each and every day I write an article, Google amazes me a little bit more with how the rank and place articles on their search engine.  Let’s suffice it to say that it forces me to write quality articles with legitimate content.

I hope that you too can find what you love to do and make it your occupation.  There is no better feeling in the world then having the opportunity to do what you love every single day of your life.  Luckily for me, I can do it at my leisure and in any location.  If you have any questions or comments on the Subprime Blogger story, please feel free to comment below.

After my first few articles, I realized that I had a strong desire to express my opinion.  Not only did I want to express my opinion, I wanted to back it with relevant facts that the government and media was hiding.  When I heard that Bear Stearns was being offered $2 a share by JP Morgan, I was in disbelief.  How could a company of this magnitude be worth $2 a share?  If Bear was this bad off, I KNEW other firms were in the same boat.  From that point on, I had a strong desire to express my beliefs on the financial system, particulary the mortgage market.

I will be the first to admit that I am by no means an expert in the field.  A great deal of knowledge I do have is self taught from other highly respected professors and economists.  The one thing I do have that has set me apart from most other mortgage websites is the passion to succeed in getting my message across.  It has been very difficult as I have been working full time as a retail assistant manager during the entire life of Subprime Blogger yet I have still put most of my efforts and desires into this website.

Today, my best friend pointed out to me that life is short and you only life once.  This struck deep as I have been strongly debating putting in my two weeks notice at the retail establishment the employs me.  After having a very deep conversation with her, I realize that I finally have to do what I have passion for!  I am going to sink my efforts into making this website the best mortgage news source on the internet.

My inability to react to news quickly and write articles I deem important has held this website back.  That will no longer be the case in two weeks.  Along with Subprime Blogger, I am going to use Church of Cowherd as the sister website to be based more on investing rather than real estate and mortgage news.  I strongly urge you to email me at jwojdylo@subprimeblogger.com with questions, comments and concerns.  I cannot say I have ever been more excited in my life and I hope you come along for the journey.