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Bulletin Editor
Mary McGuyer
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Speaker
The speakers for the month of October are courtesy of the Oak Hills Rotary Club. This week's speaker was Joe Jeffries of Diamond Residential Mortgage.
Visit and contribute to the Oaks Hills Rotary Facebook Page by clicking the button below! 
Oak Hills Facebook Page
Pass the Hat
Proceeds from Pass the Hat for October goes to Elf Louise. 
Executives & Directors
President
Fred Timmons
 
President Elect
Rick Tarbell
 
Secretary
Mary McGuyer
 
Treasurer
Stuart Dudley
 
Vice President
James Daniel
 
Immediate Past President
Allyson Hamlin
 
Today we observed
World Polio Day
One Day, One Focus, Ending Polio
     Facts: 
  • Polio Mainly affects children under age 5.
  • There is no cure but polio is preventable with vaccine.
  • Only 3 countries remain edemic.
  • We've reduced cases by 99.9% since 1988.
  • Until we end polio forever, every child is at risk.
President Fred presents a book to our speaker to be given in his honor to Haven for Hope.
Did you know?
You can make up missed meetings online! Interesting subjects are offered such as Rotary Life, Community Service and Personal Growth.
 
Click on the button below to learn more!
Meeting Makeup
Birthdays & Anniversaries
Member Birthdays
Brett Ward
October 7
 
Pat McGuyer
October 11
 
Ted Harwood
October 17
 
Derek Matthys
October 29
 
Anniversaries
Bil Trodlier
Linda
October 31
 
Join Date
Derek Matthys
October 15, 2010
8 years
 
Joe Montagna
October 15, 1991
27 years
 
Don Deal
October 23, 1977
41 years
 
Ted Harwood
October 23, 1977
41 years
 
Russell Hampton
National Awards Services Inc.
ClubRunner
Have a Happy Halloween everyone! Drive safely and watch out for those little trick or treaters.
Stories
Program for October 24, 2018
 
Prayer, Pledge and Visitors
The meeting began with the ringing of the bell by President Fred Timmons. President Fred also led us in a word of prayer and the pledge.
 
Umbrella Time: No one owns the umbrella this month.
 
Upcoming Events:
 
Gold Raffle Drawing Oct 31
 
The day we've all been waiting for: The Gold Raffle Drawing!!! Thanks to everyone who has sold tickets for this worthy project! Next week the winner will be announced in this bulletin.
 
Later that same evening...Pat & Mary McGuyer and Ken Donoughue will enjoy an evening of service and fun at Morgan's Wonderland's "More Delightful Than Frightful."  Pictures to follow...
 
Nov. 1 International School of the Americas Pancake Supper Fundraiser. Meet at the school cafeteria at 3:30 p.m. Joe Montagna is counting on our help!
 
Dec 8 Earn-a-Bike Volunteer Event at Our Lady of the Lake University  We've been learning about this worthy non-profit from one of our new members, Destiny Mujica - here's our chance to help!
 
Later that same evening....Oak Hills Rotary Club's annual Holiday Party will be at the Sonterra Country Club again this year. You don't want to miss this - we really clean up well!  Bring a white elephant gift to exchange. 
 
On this Day in History Fred Timmons shared:
  • 1901 63 year old school teacher Annie Taylor was the first woman to go over Niagara Falls in a barrel.
  • 1945 Charter of the United Nations comes into effect.
  • 1969 Movie Butch Cassidy and the Sundance Kid Opens.
 
National Days Fred continues Allyson's wonderful tradition:
  • National Food Day
  • National Bologna Day
  • National United Nations Day
Texas Trivia
President Fred continues to share Texas trivia:
In a Texas Cafe the waitress will call you "Honey" or "Sugar".
Everything is bigger in Texas!
Fred reports that we have the most cattle
sheep, and horses
We are the biggest producer of oil, rice and cotton.
Fred shared that we often describe distance in terms like "Down the road a piece" or "Over yonder".
 
Welcome Guest! We were glad to see our frequent visitor, Dave Jower of the NW Rotary Club. We're wondering if he needs to move his membership?
 
Rotary Magazine Minute
Since Bruce and Gloria Richter are on their trip to Spain, we did not have the newest addition to our weekly meetings, the Rotary Magazine Minute.  Bruce has been sharing interesting stories from the magazine with us. We look forward to their return and HOPE that we can convince them to share a story or two with us about their adventures...
 
So where are my glasses?...I want to read more inspiring stories about how Rotarians are changing lives around the world! 
The Rotarian Magazine
Club Lunch and Business Program
Mary McGuyer introduced our guest speaker, Joe Jeffries of Diamond Residential Mortgage. Joe has had an long career in the Mortgage Industry and has received national recognition with his accomplishments. After a long career in Mortgage Banking Management, Joe is currently back where he finds the greatest joy, Producing Manager. His most recent endeavor is to hire college students as Loan Officer Assistants, providing them valuable leadership and an ability to help others to obtain home ownership in America. Joe focuses much of his time, energy and money on those who service us every day-our Veterans, first responders and educators.  Through a personal commitment, his team provides discounts and lower rates to those who sacrifice so much for us. Today he focused on what people are talking about: the fact that mortgage interest rates are headed up. He has seen an increase in the last 14 months. A year ago rates were as low as 3 7/8% and now they're at 5%. 2005 was historically the best housing market with interest rates at 6.71%. He shared that interest rates are a matter of perspective - we see gas prices rise and fall - this is no different. Everyone gets excited when mortgage interest begins to climb. With many factors in our favor, Texas is one of the last ones to feel the sting. He feels that we need a correction. In every election year it's time for homeowners to refinance. He feels property values are 17% above where they should be. First time homebuyers are pretty much eliminated. They are key to our business and a driving force to our business.  Without first time homebuyers there won't be any move up buyers, no investors. The economy suffers. One of the indicators of the shift from a sellers market to a buyers market is appraisals come in low and there are no more competing buyers. Foreclosures as well as Short Sales resume. A shift actually helps homebuyers. He feels that a shift cleanses borderline agents and lenders. Those that aren't doing a good job or serious about their business are forced to leave. He pointed out that the Mortgage Industry is fighting Mortgage Fraud and Texas is #4 in the USA in this crisis. Occupancy Fraud, Transaction Fraud and Income Fraud are just a few examples of Mortgage Fraud. Mary McGuyer recommended Joe to be our speaker today because he has done an excellent job with her Buyers. She relies on his expertise in her real estate practice and he is always willing to help even if he is not a party to the transaction. If you have any questions for Joe about the Mortgage Industry or Financing, you may contact him at: 210-710-6310 (cell) or email: joe.jeffries@thedrmc.com. 
Pass the Hat
Proceeds from Pass the Hat for October goes to Elf Louise. 
Show Low Raffle
Joe Montagna won the opportunity to draw the 2 of Clubs and win the $600 pot for today. Some of us have suspected that the secret to Joe's success at winning was purchasing more than one ticket. Today we were proved wrong because he only purchased one ticket - the one drawn! Unfortunately for Joe, he drew the Ace of Clubs. He was given a wine.o.u. because the wine fairy had not visited the Club this week. The pot will increase by $25 next week. 
 
Wine Drawing
President Fred Timmons owned the ticket drawn for a bottle of wine. He too was given a wine.o.u.
 
Allyson Hamlin donated the wine for October...except for today....because she is away due to her job.  We look forward to when she returns!
 
Brags and Confessions
Barry Abrams invited members to visit the Oak Hills Rotary Club website to review our scholarship policy. This is a very important part of our club outreach to the community so let's familiarize ourselves with this policy. Please contact Barry with your recommendations or suggestions.
 
Please don't forget the American Heart Association campaign, Little Hats, Big Hearts. Hats are donated for babies born in February with congenital heart defects. There are many ways to participate! Please contact Brenda Jackson gailjackph@aol.com for more information or to donate.
 
 
Missing Pins and Badges
There didn't seem to be any missing pins or badges this week.
 
The Meeting was closed with the Four-Way Test, led by President Fred.