Full time, full service real estate agent ready to assist in the purchase of your next home or the sale of your existing home. Knowledge of local market, assistance with lending process, negotiating skills, marketing power in friendly, easy and fun environment. Working for Coldwell Banker King Thompson and a member of the prestigious Guanciale Group.
All I said was the water was a little chlorinated and he shows up!
A discussion around the office brought up a situation where a first time home buyer would not be elligible the tax credit through The Housing and Economic Recovery Act of 2008 . Their situation involved financing through Ohio Housing Finance Agency. The information that applies to this situation is from the OFHA website, and is as follows:
Housing and Economic Recovery Act - Important Information for Homebuyers The Housing and Economic Recovery Act of 2008 prohibits the use of the $7,500 new First-Time Homebuyer Credit in conjunction with tax-exempt Mortgage Revenue Bonds. Because the OHFA First-Time Homebuyer Program is financed with tax-exempt Mortgage Revenue Bonds, homeowners who use the OHFA program are not eligible for the credit.
US Department of Agricultral Rural Development has a program to help homeowners buying rural properties. The beginning of this program was when President Franklin D. Roosevelt established the Resettlement Administration. That agency relocated destitute families stricken by the Depression, restored soil-eroded areas, and provided modest emergency loans to farmers for land and equipment. Later, in 1946, Congress established the Farmers Home Administration (FmHA) to expand the original agency's functions beyond farm credit. Congress authorized FmHA to provide financing in rural areas for housing, community facilities, and business ventures.
This agency has been responsible for providing electricity, phones and most recently internet to rural areas. If you are a home buyer looking in a rural area, you may qualify under this program with signifcant benefits. Details of the requirements for these loans can be found at Quick Guide USDA Rural Development Guaranteed Rural Housing Loan.
If you like lake living, this lot is perfect. It sits on a canal in Fairfield Beach area on the South side of Buckeye Lake. It has easy access to the main lake and will bring you out almost straight across from the Yacht Club. The sea wall in front is a good place to tie your boat - no dock necessary. Wooden steps are already in place to take you to the water level. For more information, look on our website http://www.guanciale.net/ .
Buckeye Lake is one of my favorite spots to go to unwind after a day of work or a great place to spend time with my family and meet up with our lake friends. My husband and I share the love of water, so it followed that we decided spending time at the lake that is only 20 minutes from our house was the way to fulfill that love. Early in our marriage we decided to buy our first boat - I think we spent $1,200 on it. It was a great little boat named Scooter. Our first trip out we put it in the water and it wouldn't start. Three more trips out with lots of advice from fellow boaters and shouts of encouragement from our neighbors and FINALLY we found out that we weren't pushing the handle in before starting it!! Here's a picture of my favorite time at the lake - sunset ....
The Christmas Season is all about friendships and family. Last night we had a gathering with 4 sets of brothers in attendance. These guys attended high school and college together. They may not gather as often as they'd like, but what great bonds and lots of laughs! See if you can guess which ones are the brothers. Present are half of The Brothers Bad volleyball team and rumor has it the rest of them are The Brothers Sad!
Now the Christmas season is official .... we heard our first rendition for the season of "I Yust Go Nuts at Christmas" Friday night. Our dear Swedish friend, Curtis Johnson, performs this Yogi Yergesen song each holiday season for those of us who are lucky enough to be around. I know everyone has their traditions that they look forward to each year and without them, the holiday season just doesn't seem complete. This is ours. In my opinion, Curtis does a better job, but here's Yogi
Song Lyrics: Oh, I yust go nuts at Christmas On that yolly holiday I’ll go in the red like a knucklehead Cuz I'll squander all my pay.
Oh, I yust go nuts at Christmas Shopping sure drives me berserk On the day before, I rush in a store Like a pure bewildered yerk.
I look at nightgowns for my wife Those black ones trimmed in red But I won’t know her size and so She'll get a carpet sweeper instead.
Oh, I yust go nuts at Christmas When each kid hangs up his sock It's a time for kids to flip their lids While their papa goes in hock.
On the night before Christmas It's still in the house My family is sleeping So I'm quiet like a mouse.
I look at my watch and midnight is near I think I'll sneak off for a cold glass of beer Down at the corner, the crowd is so merry I end up by drinking about 12 Tom & Yerry
I get to bed late and gee whiz how I'm sleeping When on to my bed those darn kids they come leaping They sit on my face and they yump on my belly And I'm quivering all over like a bowl full of yelly.
They scream Merry Christmas, and my poor wife and me We stumble downstairs and she lights up the tree My head is exploding, my mouth tastes like a pickle I step on a skate and fall on a tricycle.
Yust before Christmas dinner, I relax to a point Then relatives start swarming all over the yoint On Christmas, I hug and I kiss my wife's mother The rest of the year we don't speak to each other.
After dinner, my Aunt and my wife's Uncle Louie Get into an argument; they're both awful screwy Then all my wife's family say Louie is right And my goofy relations, they yoin in the fight.
Back in the corner, the radio is playing And over the racket Gabriel Heater is saying "Peace on earth everybody and good will toward men" And yust at that moment, someone slugs Uncle Ben.
They all run outside whooping so the neighbors will hear Oh, I'm so glad Merry Christmas comes yust once a year.
Oh, I yust go nuts at Christmas But I still have lots of fun Yust the same as you, I enyoy it too Merry Christmas, Everyone!
In these tough times, this sounds too good to be true, right? The Housing and Economic Recovery Act of 2008 includes a tax credit up to $7,500 available to first time home buyers for homes that are purchased between April 9, 2008 to July 1, 2009. It is an interest free loan to be paid back in a 15 year period. This tax credit is a measure the Federal Goverment is using to try to stimulate the housing market. Great news if you are a first time home buyer meeting the requirements to qualify for this tax credit!
THIS MAY BE GOLDEN AGE FOR FIRST-TIME HOME BUYERS With prices and mortgage rates dropping, this may be the best buying opportunity of a lifetime for those seeking to purchase their first house. By Ron Lieber
New York Times News Service Five or 10 years from now, when the financial crisis has ended and housing prices are up smartly once more, we will look in the rearview mirror and realize that we missed a golden age for first-time homebuyers. Read full article here ...
Video: Look Inside a Smart HomeYou hear a lot about "smart" homes these days, but what does it really mean? Now's your chance to find out. We take you into a real smart home and show you all the cool details.Read more >
I almost forgot my husband's favorite quote from It's a Wonderful Life ...
"Why'd we have to have all these darn kids anyway?"
I don't know how many times I've had to hear that and we only have two kids! It seems to be a father's right, though, to repeat sayings until his family groans every time he starts.
I think if there was anyone I've known who should've said that, it was Bob Schreiber, father of 15. Our families were close growing up and they had this wonderful 3 story house with tall ceilings and pocket doors. The Christmas tree they would put up must've been close to 15 feet tall - the ceilings were 12 feet tall and it would stretch up the open stairway. I have a picture somewhere of us all standing in front of it looking like the biggest bunch of nerds, but we thought we were cool! Bob, always said that if he hadn't had so many children, he could've become an alcoholic ... you would think the opposite! I would venture to say Bob quoted from It's a Wonderful Lifeon more than one occassion.
WHERE THE GREATEST GIFTS OF ALL ARE RIGHT AT HOME ... IT'S A WONDERFUL LIFE!!!
I'm sure everyone has a favorite movie they watch each year during the holidays. I think I'm in good company when I say that my favorite is It's aWonderful Life, starring Jimmy Stewart and Donna Reed. This moving came out in 1946 and has survived the test of time!
It's become a tradition in our family that we break out the movie every year. We've watched it so often that we quote lines from the movie all year. See if you can recall who said the following lines -
"Boys and girls and music. Why do they need gin? " "Quiet everybody! Quiet, quiet. Now get this, it's from London." (some woman off screen says OH!) "Zuzu's petals, zuzu's petals!" "Teacher says, every time a bell rings, an angel gets his wings." "Hey, Brainless, don't you know where coconuts come from?" "This is a very interesting situation!" " You like every boy."and "What's wrong with that?" " That's it. Out you two pixies go - through the door, or out the window."
The list goes on and on. We even have a game with trivia from the movie. I think Frank Cappra is a genius. Every time we watch the movie, we notice something new. There are so many little neuances. My husband noticed this year that you hear a dog and then a cat in the scene where George Bailey is having dinner with his Dad before he goes to the dance, but you never see them. There's just so much attention to detail ... and each detail seems to have a reason. If you like It's a Wonderful Life and you haven't seen it, you should watch You Can't Take it WithYou. It has many of the same actors as It's a Wonderful Life and is also by Frank Capra. Lionell Barrymore (Old Man Potter) plays an easy going rebel who is head of a household of happy misfits, but much younger as this movie came out in 1938.
When I watched It's a Wonderful Life this year, I saw it with different eyes. So much of the movie is about people trying to get financing for their homes and working out how to stay in them. You also see the collapse of the banking institutions and how greed for money and power played a part in the misfortune of so many hardworking people. Sure sounds familiar these days. If you are a Jimmy Stewart fan, as I am, here are some of the his movies I've seen and liked .....
Mr. Smith Goes to Washington, 1939 The Shop Around the Corner, 1940 The Philadelphia Story, 1940 Harvey, 1950 Bend in the River, 1952 The Glen Miller Story, 1954 The Man from Laramie, 1955 Rear Window, 1954 The Man who Shot Liberty Valance, 1962 Mr. Hobbs takes a Vacation, 1962
There's so many ... I have a count of 79 total movies. I've seen a few I wouldn't want to sit through again, but mostly I like my Jimmy!
I received a call today from a client asking if he should remodel his bath removing the shower. Normally, I wouldn't advise to change a full bath to a half bath, but this case seems unique. There is a full bath with the bedrooms and a bath near the living areas that was cramped with a shower. He was asking how it might affect the value of his home. More is better unless it doesn't make sense. Realtor magazine puts out a report every year detailing what different remodeling projects might mean to the value and lots of times the marketability of your home.
2008 Cost vs. Value Report: Still Many Happy Returns for Home Rehabs Remodeling magazine's annual report shows that maintenance-related projects and moderately priced upgrades are providing stable paybacks, even in a slower market. Read more ...
I found this article on Realtor.org about decorating for folks who have their house on the market and thought it might be helpful to some who are wondering how to approach this. Click here to see the article.
Wow! I looked at the calander yesterday and we only have 2 1/2 weeks until Christmas. Time just flies by. The kids talk about what a fun time this is and I have to struggle sometimes to back up and remember what makes this time special instead of thinking of all the work ahead to make it a special time. I love a day like today with beautiful snow covering the ground and bright blue skies as the backdrop. I love looking at all the holiday trimmings, twinkling lights and roaring fire. I love putting on my favorite Christmas music, making my special hot wassail (with maybe a little rum) and decorating the Christmas tree. I love taking the time to think of all the special people in my life that I don't get to see often and remembering them with a phone call or a card. I love to carve out time for my daughter and I to go shopping. I love going to the lighting of the Courthouse and seeing all the little people and their wonder of it all. I love seeing this time through the eyes of children and remembering the child who started this holiday. But, most of all I love Christmas day when the presents are done and the family is visiting and you know that you did find time to enjoy the people you love and you found the Christmas Spirit after all!
