The Manatees and Rays were pretty cool
Monday, December 22, 2008
Escape Foiled
I was hiding from Granny and you know what she did? She crawled back here and got me by the feet and drug me out. I was trying to pout but thought it was a little funny so I laughed.
Mark
No Alligator
Poppy and I went to see the aligator but he must have been gone to see his family for Thanksgiving.Ben
Olive Stand Up
I tasted this black olive. It was really yucky so I spit it out. Everyone thought it was so funny. SO I put it back in my mouth and spit it again. They laughed again. What an easy audience.Except for the yuckiness of the olive it was a pretty easy gig.
Ben
Monday, November 10, 2008
Mark of the Month
My daughter tells me that My precious little Mark earned the title of student of the month.Granny is so proud of you Markie MaLarkey
Tuesday, October 28, 2008
The Salon
I opened my new salon on the 18th with lots of help from my husband. Or can you call it "help" when I am the helper and he is the do the most of it-er.It turned out very nice and has gotten great comments from customers. I am loving seeing all my old friends again. We are still trying to think of a catchy name. Any ideas out there??
Tuesday, October 14, 2008
Tuesday, September 23, 2008
A Word Aduddell Mortgage
Good Morning everyone. I am sorry that you are getting this today instead of yesterday, but I was hiding under my desk from Congress and all the bailout talk.
Seriously, I was out of town yesterday and did not have a way to send until today. I am being asked by a lot of people if anything has really changed in the Mortgage world these days and actually the main things that have changed are:
1) No more “Stated” loans for the Self-Employed unless it is a 75% loan to value or less (usually)
2) The Down Payment Assistance Program on FHA has now gone away
3) Stricter guidelines on “Non-Owner” occupied properties
Other than these major changes, the guidelines have not changed much, however Underwriters themselves are probably being a little more cautious than they were a year ago or even a month ago.
Bottom line is….People with good credit and can prove their income do not have a problem in 95% of the cases. Those without any money or can’t prove their income or their debt ratios are too high, are the ones having the issues getting approved. Of course, I would say that is just simple common sense, but what do I know
Please remember that we not only have Conventional and FHA, but VA and USDA are available still up to 100% financing for qualified buyers.
Thanks
From the desk of
David Lee
President
405-340-3277 (o)
405-340-3627 (f)
405-245-0714 (c)
www.aduddellmortgage.com
Seriously, I was out of town yesterday and did not have a way to send until today. I am being asked by a lot of people if anything has really changed in the Mortgage world these days and actually the main things that have changed are:
1) No more “Stated” loans for the Self-Employed unless it is a 75% loan to value or less (usually)
2) The Down Payment Assistance Program on FHA has now gone away
3) Stricter guidelines on “Non-Owner” occupied properties
Other than these major changes, the guidelines have not changed much, however Underwriters themselves are probably being a little more cautious than they were a year ago or even a month ago.
Bottom line is….People with good credit and can prove their income do not have a problem in 95% of the cases. Those without any money or can’t prove their income or their debt ratios are too high, are the ones having the issues getting approved. Of course, I would say that is just simple common sense, but what do I know
Please remember that we not only have Conventional and FHA, but VA and USDA are available still up to 100% financing for qualified buyers.
Thanks
From the desk of
David Lee
President
405-340-3277 (o)
405-340-3627 (f)
405-245-0714 (c)
www.aduddellmortgage.com
Tuesday, September 9, 2008
5 Common First-Time Home Buyer Mistakes
1. They don’t ask enough questions of their lender and end up missing out on the best deal.
2. They don’t act quickly enough to make a decision and someone else buys the house.
3. They don’t find the right agent who’s willing to help them through the homebuying process.
4. They don’t do enough to make their offer look appealing to a seller.
5. They don’t think about resale before they buy. The average first-time buyer only stays in a home for four years.
Source: Real Estate Checklists and Systems, www.realestatechecklists.com.
1. They don’t ask enough questions of their lender and end up missing out on the best deal.
2. They don’t act quickly enough to make a decision and someone else buys the house.
3. They don’t find the right agent who’s willing to help them through the homebuying process.
4. They don’t do enough to make their offer look appealing to a seller.
5. They don’t think about resale before they buy. The average first-time buyer only stays in a home for four years.
Source: Real Estate Checklists and Systems, www.realestatechecklists.com.
Saturday, September 6, 2008
The Drainage System
Gutters, downspouts and splash blocks collect rainwater from a roof and send it away from the structure. Gutters are the valleys located on the edge of the roof. The downspouts connect to the gutters to carry the water to the ground. Splash blocks are located at the end of the downspouts to divert water away from the building.
Damaged or leaking gutters can cause water to stain walls, pool against the foundation or seep into the walls, damaging the structure. With fall just around the corner, your gutters are susceptible to clogs from falling leaves. A few actions on your part can help prevent these problems and route water away from your home:
• Remove debris from gutters as often as needed to prevent dams and overflow. Gutters may need to be cleaned twice a year or weekly.
• Visually inspect gutters and downspouts for apparent damage from tree limbs or storms.
• Check that all downspouts are directed away from the home’s foundation and splash blocks are in place.
• Check fasteners on downspouts and gutters to insure proper connections are in place.
A National Property Inspections property inspection includes a thorough visual examination of the drainage system. Your NPI inspector will note any problems and recommend any needed repairs.
To locate an NPI professional in your area, check out National Property Inspections.
back to the top
Be Advised
Carbon monoxide (CO) is a colorless, odorless, poisonous gas. It is produced by the incomplete burning of solid, liquid and gaseous fuels. Appliances fueled with natural gas, liquid petroleum, oil, kerosene, coal or wood may produce CO.
According to the U.S. Consumer Product Safety Commission (CPSC), every year, over 200 people in the United States die from CO and several thousand people go to hospital emergency rooms for treatment for CO poisoning.
Symptoms of CO poisoning are similar to the flu and include headache, fatigue, shortness of breath, nausea and dizziness. While it is important to recognize these symptoms, there are also ways to prevent CO poisoning:
• Make sure appliances are installed according to manufacturer’s instructions and local building codes.
• Install a CO detector/alarm in the hallway near every separate sleeping area of the home.
• Never burn charcoal inside a home, garage, tent or vehicle.
• Never leave a car running in an attached garage, even with the garage door open.
• Never use appliances such as ranges, ovens or clothes dryers for heating your home.
• Do not use gasoline-powered tools and engines indoors.
For more information on CO, visit The U.S. Consumer Product Safety Commission.
back to the top
Kitchen Safety
The kitchen is one of the most used rooms in a home. It can also be one of the most dangerous. Use the following checklist as a guide to help keep your family safe from kitchen hazards.
• Store harmful products in their original containers and away from food.
• Post the poison control hotline (1-800-222-1222) and other emergency numbers near every phone.
• Store knives and other sharp objects out of the reach of children.
• Wear gloves and masks when using harsh products.
• Do not mix products together as this can cause dangerous reactions.
• Put away products promptly after use and wipe up spills immediately.
• Cover the trashcan with a lid.
• Make sure your kitchen electrical outlets are GFCI protected, according to your local jurisdiction and building standards.
• Test the GFCI monthly by pushing the red test button.
• Do not leave the kitchen while cooking.
• Keep things that can burn, such as dishtowels, paper or plastic bags and curtains at least three feet from the range top.
• Carefully remove lids or other coverings from microwaved food to prevent steam burns.
• Make sure all matches and lighters are stored out of children’s reach.
For more information on kitchen safety tips, visit the Home Safety Council.
back to the top
Smart Kitchens
When it comes to energy consumption, the kitchen is the hungriest room in the house. Kitchen appliances – including refrigerators, freezers, ranges and dishwashers – account for about 27 percent of household electricity use, according to taunton.com.
Here are some tips for remodeling your kitchen into a “smart” kitchen that can save you money and resources.
Refrigerators/Freezers - look for:
• The Energy Star Label, which provides 15 percent more energy efficiency than the federal minimum.
• Freezers on top or bottom.
• Manual defrost cycles.
Cooktops and Ovens:
• Induction: the most efficient of cooktops.
• Radiant ceramic: most common cooktop.
• Electric coil: slow to heat but energy efficient.
• Gas: rates worst in energy efficiency.
Dishwashers - look for:
• The Energy Star Label, which is at least 41 percent more energy efficient than the federal minimum.
• Soil sensing determines how dirty the dishes are and adjusts water use accordingly.
• No-heat drying.
In 2006 a tax law change provided a tax credit of 10 percent for buying qualified energy efficiency improvements.
For more information on “smart” kitchens, go to www.taunton.com.
back to the top
Maintenance Matters
Are you ready for the first day of fall on Sept. 22? No matter where your home is located, cooler weather is approaching. Here are a few tips to get your home ready for the months ahead:
Inspect the deck or patio – clean the deck with soapy water and a pole brush. Apply a water sealer. To clean a concrete patio, use a concrete sealer.
Clean up/repair outdoor furniture – use a mild dish detergent with water and a sponge. Make any repairs to weathered furniture. Have a spot ready to store them when the time comes.
Check your weather-proofing – look for gaps or worn spots in weather-stripping around exterior doors and windows and replace as needed.
Clean your windows and screens – inspect the screens and repair any holes or tears. Replace screens with storm windows/doors if necessary.
Trim trees – tree branches that hang over the roof can damage the roof should they break under the weight of snow or ice.
Winterize the lawn – rake up leaves, cut the grass, remove any weeds and fertilize the lawn to keep it green and protect it from pests and cold.
Prepare your garden and planting beds – mulch around your bulbs, shrubs, roses and trees to prevent any drastic changes in soil temperature from destroying the root systems of these plants.
Take care of the lawn mower and garden tools – run the gas out of the mower for storage. Change the oil and check the spark plug. Clean garden tools and give them a light coat of oil to protect them from rust.
Drain the water – if you live in a location where it freezes, drain the hose, coil it up and hang it up where it won’t freeze or crack. If you have a sprinkler system, drain it, and shut off the water to prevent pipes from freezing.
For more information or to locate a NPI professional in your area, go to www.npiweb.com.
Gutters, downspouts and splash blocks collect rainwater from a roof and send it away from the structure. Gutters are the valleys located on the edge of the roof. The downspouts connect to the gutters to carry the water to the ground. Splash blocks are located at the end of the downspouts to divert water away from the building.
Damaged or leaking gutters can cause water to stain walls, pool against the foundation or seep into the walls, damaging the structure. With fall just around the corner, your gutters are susceptible to clogs from falling leaves. A few actions on your part can help prevent these problems and route water away from your home:
• Remove debris from gutters as often as needed to prevent dams and overflow. Gutters may need to be cleaned twice a year or weekly.
• Visually inspect gutters and downspouts for apparent damage from tree limbs or storms.
• Check that all downspouts are directed away from the home’s foundation and splash blocks are in place.
• Check fasteners on downspouts and gutters to insure proper connections are in place.
A National Property Inspections property inspection includes a thorough visual examination of the drainage system. Your NPI inspector will note any problems and recommend any needed repairs.
To locate an NPI professional in your area, check out National Property Inspections.
back to the top
Be Advised
Carbon monoxide (CO) is a colorless, odorless, poisonous gas. It is produced by the incomplete burning of solid, liquid and gaseous fuels. Appliances fueled with natural gas, liquid petroleum, oil, kerosene, coal or wood may produce CO.
According to the U.S. Consumer Product Safety Commission (CPSC), every year, over 200 people in the United States die from CO and several thousand people go to hospital emergency rooms for treatment for CO poisoning.
Symptoms of CO poisoning are similar to the flu and include headache, fatigue, shortness of breath, nausea and dizziness. While it is important to recognize these symptoms, there are also ways to prevent CO poisoning:
• Make sure appliances are installed according to manufacturer’s instructions and local building codes.
• Install a CO detector/alarm in the hallway near every separate sleeping area of the home.
• Never burn charcoal inside a home, garage, tent or vehicle.
• Never leave a car running in an attached garage, even with the garage door open.
• Never use appliances such as ranges, ovens or clothes dryers for heating your home.
• Do not use gasoline-powered tools and engines indoors.
For more information on CO, visit The U.S. Consumer Product Safety Commission.
back to the top
Kitchen Safety
The kitchen is one of the most used rooms in a home. It can also be one of the most dangerous. Use the following checklist as a guide to help keep your family safe from kitchen hazards.
• Store harmful products in their original containers and away from food.
• Post the poison control hotline (1-800-222-1222) and other emergency numbers near every phone.
• Store knives and other sharp objects out of the reach of children.
• Wear gloves and masks when using harsh products.
• Do not mix products together as this can cause dangerous reactions.
• Put away products promptly after use and wipe up spills immediately.
• Cover the trashcan with a lid.
• Make sure your kitchen electrical outlets are GFCI protected, according to your local jurisdiction and building standards.
• Test the GFCI monthly by pushing the red test button.
• Do not leave the kitchen while cooking.
• Keep things that can burn, such as dishtowels, paper or plastic bags and curtains at least three feet from the range top.
• Carefully remove lids or other coverings from microwaved food to prevent steam burns.
• Make sure all matches and lighters are stored out of children’s reach.
For more information on kitchen safety tips, visit the Home Safety Council.
back to the top
Smart Kitchens
When it comes to energy consumption, the kitchen is the hungriest room in the house. Kitchen appliances – including refrigerators, freezers, ranges and dishwashers – account for about 27 percent of household electricity use, according to taunton.com.
Here are some tips for remodeling your kitchen into a “smart” kitchen that can save you money and resources.
Refrigerators/Freezers - look for:
• The Energy Star Label, which provides 15 percent more energy efficiency than the federal minimum.
• Freezers on top or bottom.
• Manual defrost cycles.
Cooktops and Ovens:
• Induction: the most efficient of cooktops.
• Radiant ceramic: most common cooktop.
• Electric coil: slow to heat but energy efficient.
• Gas: rates worst in energy efficiency.
Dishwashers - look for:
• The Energy Star Label, which is at least 41 percent more energy efficient than the federal minimum.
• Soil sensing determines how dirty the dishes are and adjusts water use accordingly.
• No-heat drying.
In 2006 a tax law change provided a tax credit of 10 percent for buying qualified energy efficiency improvements.
For more information on “smart” kitchens, go to www.taunton.com.
back to the top
Maintenance Matters
Are you ready for the first day of fall on Sept. 22? No matter where your home is located, cooler weather is approaching. Here are a few tips to get your home ready for the months ahead:
Inspect the deck or patio – clean the deck with soapy water and a pole brush. Apply a water sealer. To clean a concrete patio, use a concrete sealer.
Clean up/repair outdoor furniture – use a mild dish detergent with water and a sponge. Make any repairs to weathered furniture. Have a spot ready to store them when the time comes.
Check your weather-proofing – look for gaps or worn spots in weather-stripping around exterior doors and windows and replace as needed.
Clean your windows and screens – inspect the screens and repair any holes or tears. Replace screens with storm windows/doors if necessary.
Trim trees – tree branches that hang over the roof can damage the roof should they break under the weight of snow or ice.
Winterize the lawn – rake up leaves, cut the grass, remove any weeds and fertilize the lawn to keep it green and protect it from pests and cold.
Prepare your garden and planting beds – mulch around your bulbs, shrubs, roses and trees to prevent any drastic changes in soil temperature from destroying the root systems of these plants.
Take care of the lawn mower and garden tools – run the gas out of the mower for storage. Change the oil and check the spark plug. Clean garden tools and give them a light coat of oil to protect them from rust.
Drain the water – if you live in a location where it freezes, drain the hose, coil it up and hang it up where it won’t freeze or crack. If you have a sprinkler system, drain it, and shut off the water to prevent pipes from freezing.
For more information or to locate a NPI professional in your area, go to www.npiweb.com.
Friday, September 5, 2008
Wednesday, August 6, 2008
Diving in Cozumel
Am I nervous. Of course not. I am so excited to get away where I am not allowed to have a cell phone or a laptop or a file. Just me water, fish, and of course my dive buddy, Dan. I have spent way too much money on dive equipment so do not expect clear pictures. I will be using a cheap disposable camera. I may not be skilled enough to take pictures, watch my computer and stay with the team. My priority is to enjoy first and deal with pictures second.
We had a great time with Mike and Colleen and Jerry and Beth. We went to see Paul Revere and the Raiders and Bill Medley(the other Righteous brother). I left my good camera in the car and the i phone, well just did not quite get it done. It was cool to meet a rock and roll legend like Bill Medley. It was a little hard to see him be 67 though. It is a little strange to see an enigma up close because you realize they are just like us. It is funny how we expect something different than that. What are we thinking.I did get autographs. It was a great experience, though I am not sure I am old enough to get the whole Branson excitement. I looked around the room and thought for a minute I was at MIMI'S restaurant. I know most everyone was 65 and up.
But it was the Dick Clark Theater after all.
We had a great time with Mike and Colleen and Jerry and Beth. We went to see Paul Revere and the Raiders and Bill Medley(the other Righteous brother). I left my good camera in the car and the i phone, well just did not quite get it done. It was cool to meet a rock and roll legend like Bill Medley. It was a little hard to see him be 67 though. It is a little strange to see an enigma up close because you realize they are just like us. It is funny how we expect something different than that. What are we thinking.I did get autographs. It was a great experience, though I am not sure I am old enough to get the whole Branson excitement. I looked around the room and thought for a minute I was at MIMI'S restaurant. I know most everyone was 65 and up.
But it was the Dick Clark Theater after all.
Friday, July 25, 2008
Tuesday, July 8, 2008
Grandparenting
I think the toy was worth the money. What do you think?
They did use the slide. Those are on my phone. As soon as I find the little thing that goes with it to put it in my computer.
Scuba Sorrows
Well, I have no SCUBA stories. We still did not get to go. I decided to get a tummy thing on the way there. I tried to be okay but at water's edge I lost it. We also missed the deadline for the Cozumel trip. We may need to get in a LD Scuba class.So again we reschedule for the 19th of July. PRAY, please.
i am trying to check off my bucket list.
i am trying to check off my bucket list.
Not bad for a "DINK"
Looks like Jason has a pretty good handle on Rebecca's four little boys. Pretty remarkable being half of a "DoubleIncomeNoKids" family. Actually Summer did great as well she got them all peanut butter sandwiches as we were cleaning everyone up. They love her. Think kids may be in the future for the Presley Jr.'s?
Sleeping Travelers
If only I could sleep that well in the car. My daughter may say I can. I am sure I slept some on our trek from Tampa to Kansas City via Panama City (to hang out for a bit with Summer and Jason) before going on. We really had a nice time. Rebecca's friends were very fun. I almost didn't feel old enough to be all their mom's.
Tuesday, June 10, 2008
Fun with Family
What a great week. I got to see my cousin Pam from Arizona. Her husband, Ken took us flying and let my husband, Dan fly the plane. Dan was thrilled. He has wanted to fly all of his life. Ken you just checked off the main item on his bucket list. We even had those cool head sets so we could talk to each other in a normal voice. I flew once as a teenager and remember everyone had to yell at each other.The local scenery was beautiful. Albeit, reminding me of how small I am. I did not realize how many "Hollywood" sized home we have around here. If you have not seen the GEOPORT you should. It is very nice.I learned it stands for Guthrie Edmond Oklahoma (Air)port
We followed with dinner. My son Jason, who only makes time for those he deems wonderful joined us. It was so much fun. 7000 calories and 800 fat grams later here I am blogging.
Oh by the way Jason did have to work. He was cancelled and then called back in.
Only a few days before Dan's sister Susan brought her husband Phil and their three semi adult sons.Phil is a teaser but my new daughter Summer held her on and may even have out teased him once or twice.It was great seeing the boys. It makes me wonder how Eric Mark Zack and Ben will look in a few years.
We followed with dinner. My son Jason, who only makes time for those he deems wonderful joined us. It was so much fun. 7000 calories and 800 fat grams later here I am blogging.
Oh by the way Jason did have to work. He was cancelled and then called back in.
Only a few days before Dan's sister Susan brought her husband Phil and their three semi adult sons.Phil is a teaser but my new daughter Summer held her on and may even have out teased him once or twice.It was great seeing the boys. It makes me wonder how Eric Mark Zack and Ben will look in a few years.
Tuesday, June 3, 2008
Big Kahona Cakes Recipe courtesy Emeril Lagasse
Show: Emeril Live
Episode: Singular Sensations
http://www.foodnetwork.com/food/recipes/recipe/0,,FOOD_9936_8363,00.html
1 cup plus 2 teaspoons butter
1/2 cup oil
2 cups sugar
2 cups flour
1 teaspoon baking powder
1 teaspoon baking soda
1 teaspoon ground cinnamon
Pinch salt
4 eggs
3 cups shredded carrots
8 ounces crushed pineapple
8 ounces cream cheese, softened
1 cup toasted coconut
4 cups powdered sugar
1 cup toasted macadamia nuts, finely chopped
Preheat the oven to 350 degrees F. Line a half sheet pan with parchment paper and grease with 2 teaspoons of the butter.
In the bowl of an electric mixer, fitted with a paddle, combine the 1/2 cup butter, oil and sugar. Cream the mixture until smooth.
Sift the flour, baking powder, baking soda, cinnamon, and salt into a small mixing bowl. Add the egg to the butter/sugar mixture, one at a time. Add the flour mixture to the butter/sugar mixture, 1/2 cup at a time. Add the carrots and pineapple. Mix well. Pour the batter into the prepared pan and spread evenly. Place in the oven and bake for about 25 to 30 minutes or until the center sprigs back when touched.
Remove from the oven and cool. Using a 2 1/2-inch round cookie cutter, cut the cake into 24 rounds.
In the bowl of an electric mixer, combine the cream cheese and remaining 1/2 cup butter. Mix well. Add the coconut. Mix well. Add the powdered sugar, 1 cup at a time and mix until the frosting is spreadable. Spread 2 tablespoons of the frosting in the center of half of the cake rounds. Place the remaining cake rounds on top of the frosting. Frost each round with the remaining frosting. Garnish the top of each cake with a sprinkle of the chopped macadamia nuts.
http://www.foodnetwork.com/food/recipes/recipe/0,,FOOD_9936_8363,00.html
Show: Emeril Live
Episode: Singular Sensations
http://www.foodnetwork.com/food/recipes/recipe/0,,FOOD_9936_8363,00.html
1 cup plus 2 teaspoons butter
1/2 cup oil
2 cups sugar
2 cups flour
1 teaspoon baking powder
1 teaspoon baking soda
1 teaspoon ground cinnamon
Pinch salt
4 eggs
3 cups shredded carrots
8 ounces crushed pineapple
8 ounces cream cheese, softened
1 cup toasted coconut
4 cups powdered sugar
1 cup toasted macadamia nuts, finely chopped
Preheat the oven to 350 degrees F. Line a half sheet pan with parchment paper and grease with 2 teaspoons of the butter.
In the bowl of an electric mixer, fitted with a paddle, combine the 1/2 cup butter, oil and sugar. Cream the mixture until smooth.
Sift the flour, baking powder, baking soda, cinnamon, and salt into a small mixing bowl. Add the egg to the butter/sugar mixture, one at a time. Add the flour mixture to the butter/sugar mixture, 1/2 cup at a time. Add the carrots and pineapple. Mix well. Pour the batter into the prepared pan and spread evenly. Place in the oven and bake for about 25 to 30 minutes or until the center sprigs back when touched.
Remove from the oven and cool. Using a 2 1/2-inch round cookie cutter, cut the cake into 24 rounds.
In the bowl of an electric mixer, combine the cream cheese and remaining 1/2 cup butter. Mix well. Add the coconut. Mix well. Add the powdered sugar, 1 cup at a time and mix until the frosting is spreadable. Spread 2 tablespoons of the frosting in the center of half of the cake rounds. Place the remaining cake rounds on top of the frosting. Frost each round with the remaining frosting. Garnish the top of each cake with a sprinkle of the chopped macadamia nuts.
http://www.foodnetwork.com/food/recipes/recipe/0,,FOOD_9936_8363,00.html
Monday, June 2, 2008
Selling Fast!
Following these steps will ensure that you get more buyers interested in your property than the competition.
1. The first and most important step is to see it as a house, not your home, but a product that needs to be marketed. This is difficult. We often attach personal power to our homes. It is so important to look objectively at the pros and cons in a buyer's eyes.
2. It is a good idea to go over your home carefully. You just want to be sure that there are no unpleasant surprises at the buyers inspection. Never attempt to cover over a flow. If you cannot afford to repair the problem, openly state it and reflect it in the price.
3. Be realistic about price. An overpriced home sits on the market and loses buyers. They buy something else while you are waiting to get a few more bucks. In the long run it usually brings less than if it had been priced right in the first place.
4. Beautify, neaten up and appeal to the greatest number. Neutral is better. Curb appeal is key.
5. Have all unfinished projects complete. Buyers would rather not do heavy maintenance or finish projects right away.
6. Try not to have a home that identifies only one group. You want whoever qualifies to like your home, not just someone like you.
1. The first and most important step is to see it as a house, not your home, but a product that needs to be marketed. This is difficult. We often attach personal power to our homes. It is so important to look objectively at the pros and cons in a buyer's eyes.
2. It is a good idea to go over your home carefully. You just want to be sure that there are no unpleasant surprises at the buyers inspection. Never attempt to cover over a flow. If you cannot afford to repair the problem, openly state it and reflect it in the price.
3. Be realistic about price. An overpriced home sits on the market and loses buyers. They buy something else while you are waiting to get a few more bucks. In the long run it usually brings less than if it had been priced right in the first place.
4. Beautify, neaten up and appeal to the greatest number. Neutral is better. Curb appeal is key.
5. Have all unfinished projects complete. Buyers would rather not do heavy maintenance or finish projects right away.
6. Try not to have a home that identifies only one group. You want whoever qualifies to like your home, not just someone like you.
Houseplants for Beginners
Plant
Light Requirements
Features and Why We Like Them
Cast Iron Plant Aspidistra elatior
Low
Cold tolerant.
Chinese Evergreen Aglaonema
Low
Tolerates dry air.
Dracaena Dracaena
Low
Many varieties to choose from.
Kentia Palm Howea forsteriana
Low
Unlike most palms this one tolerates dry, heated air.
Philodendron Philodendron
Low
Vining habit works in hanging baskets as well as containers.
Snake Plant Sansevieria
Low
Insect resistant.
African Violet Saintpaulia
Medium/Indirect
Great combination of foliage and almost constant blooms.
Likes humidity.
Dumb Cane Dieffenbachia
Medium/Indirect
Several varieties to choose from.
Ficus Ficus
Medium/Indirect
Seldom needs repotting.
Many varieties of shapes and sizes.
Fishtail Palm Caryota mitis
Medium/Indirect
Tolerates lower light better than most palms.
Lady Palm Rhapis excelsa
Medium/Indirect
Can tolerate cooler indoor temperatures.
Peperomia Peperomia
Medium/Indirect
Semi-succulent leaves.
Can tolerate lack of water.
Pothos Epipremnum aureum
Medium/Indirect
Vining habit.
Tolerates irregular watering.
Rubber Plant Ficus elastica
Medium/Indirect
Seldom needs repotting.
Variety of forms.
Schefflera Brassaia
Medium/Indirect
Glossy leaves.
Likes high humidity.
Spider Plant Chlorophytum comosum
Medium/Indirect
Good hanging basket plant.
Produces stems that in turn can be potted to produce new plants.
Aloe Aloe barbadensis
Bright/Direct
Fleshy succulent leaves have a nice texture.
Cactus (Various)
Bright/Direct
The epitome of easy care.
Don't let any preconceived notions limit you. There are countless attractive variations of this sturdy plant.
Croton Codiaeum
Bright/Direct
Variety of foliage colors available.
Ponytail Palm Beaucarnea recurvata
Bright/Direct
Slow-grower.
Bulb base stores water.
http://www.lowes.com/lowes/lkn?action=howTo&p=LawnGarden/BeginnerHouseplants.html
Light Requirements
Features and Why We Like Them
Cast Iron Plant Aspidistra elatior
Low
Cold tolerant.
Chinese Evergreen Aglaonema
Low
Tolerates dry air.
Dracaena Dracaena
Low
Many varieties to choose from.
Kentia Palm Howea forsteriana
Low
Unlike most palms this one tolerates dry, heated air.
Philodendron Philodendron
Low
Vining habit works in hanging baskets as well as containers.
Snake Plant Sansevieria
Low
Insect resistant.
African Violet Saintpaulia
Medium/Indirect
Great combination of foliage and almost constant blooms.
Likes humidity.
Dumb Cane Dieffenbachia
Medium/Indirect
Several varieties to choose from.
Ficus Ficus
Medium/Indirect
Seldom needs repotting.
Many varieties of shapes and sizes.
Fishtail Palm Caryota mitis
Medium/Indirect
Tolerates lower light better than most palms.
Lady Palm Rhapis excelsa
Medium/Indirect
Can tolerate cooler indoor temperatures.
Peperomia Peperomia
Medium/Indirect
Semi-succulent leaves.
Can tolerate lack of water.
Pothos Epipremnum aureum
Medium/Indirect
Vining habit.
Tolerates irregular watering.
Rubber Plant Ficus elastica
Medium/Indirect
Seldom needs repotting.
Variety of forms.
Schefflera Brassaia
Medium/Indirect
Glossy leaves.
Likes high humidity.
Spider Plant Chlorophytum comosum
Medium/Indirect
Good hanging basket plant.
Produces stems that in turn can be potted to produce new plants.
Aloe Aloe barbadensis
Bright/Direct
Fleshy succulent leaves have a nice texture.
Cactus (Various)
Bright/Direct
The epitome of easy care.
Don't let any preconceived notions limit you. There are countless attractive variations of this sturdy plant.
Croton Codiaeum
Bright/Direct
Variety of foliage colors available.
Ponytail Palm Beaucarnea recurvata
Bright/Direct
Slow-grower.
Bulb base stores water.
http://www.lowes.com/lowes/lkn?action=howTo&p=LawnGarden/BeginnerHouseplants.html
Saturday, May 31, 2008
Flock Social
We had our flock social tonight. Flock is an acronym for fellowship, leadership, outreach, caring and knowledge and is in reference to Henderson Hills Baptist Church.
Tonight the men had an "iron chef"dessert contest. The winner was an awesome German chocolate cake recipe from Gordon's grandma. He said that in the day they actually grated fresh coconut for it. I am sure they baked it over hot coals as well. Second was Ron's Big Kahuna. It was very good but looked more like it should have had a bit daintier name.
Third were Bob's crepes. They were quite good. He should have won just for tackling crepes. I cannot imagine a man with that kind of patience.
After this I am sure we will be seeing some real man behavior to cancel out any feminine side that may have emmerged.
The girls had lots of time to catch up. It was really fun, thanks to Jeannenne for hosting.
Tonight the men had an "iron chef"dessert contest. The winner was an awesome German chocolate cake recipe from Gordon's grandma. He said that in the day they actually grated fresh coconut for it. I am sure they baked it over hot coals as well. Second was Ron's Big Kahuna. It was very good but looked more like it should have had a bit daintier name.
Third were Bob's crepes. They were quite good. He should have won just for tackling crepes. I cannot imagine a man with that kind of patience.
After this I am sure we will be seeing some real man behavior to cancel out any feminine side that may have emmerged.
The girls had lots of time to catch up. It was really fun, thanks to Jeannenne for hosting.
Thursday, May 29, 2008
Advise from the Next Generation
Since I am not of the blogging generation, I often ask my daughter for help. She is amazing. One speck of advice is that I am not supposed to replace articles. Another is that I am supposed to blog daily rather than trying to play catch up. She and I are planning a road trip from Tampa to Kansas. I am looking forward to spending a lot of extra time with her and the boys, namely Eric, Mark, Zack and Ben. These good looking men are 6,5, almost 3 and 1. It should be a blast.
We will meet my son and his bride in Panama City which should also be fun. I am so excited.
Wednesday, May 28, 2008
Lawn and Garden Tips:
Rules of Thumb for Water Use on Lawns and Gardens:
One deep watering is much better than watering several times lightly.
Lawns need about 1 inch of water each week. If the weather is very hot, apply an inch of water about every 3 days.
Watering to a depth of 4-6 inches encourages deeper, healthier root development. It allows longer periods between watering.
To measure the water, put an empty tuna can (or cat food can) on the lawn while watering. Stop watering when the can is full or if you notice water running off the lawn.
One deep watering is much better than watering several times lightly.
Lawns need about 1 inch of water each week. If the weather is very hot, apply an inch of water about every 3 days.
Watering to a depth of 4-6 inches encourages deeper, healthier root development. It allows longer periods between watering.
To measure the water, put an empty tuna can (or cat food can) on the lawn while watering. Stop watering when the can is full or if you notice water running off the lawn.
Quote of the Week
Truth is always about something,
but reality is that about which truth is. C. S. Lewis
but reality is that about which truth is. C. S. Lewis
Preparing for Homeownership
Homebuying GuidesEven before you begin looking for a home, the homebuying process requires diligent preparation. Buyers who have been preapproved for a home loan often have their offers taken more seriously by sellers. With advance preparation, you can tackle the process of acquiring the financing you need with more confidence. To help you on the path to homeownership, NeighborWorks® offers* free step-by-step guides, developed by the Fannie Mae Foundation, that can help you get closer to achieving your dream:
Knowing and Understanding Your Credit
Opening the Door to a Home of Your Own
Choosing the Mortgage that's Right for You
Borrowing Basics: What You Don't Know Can Hurt You
T hese authoritative homebuying guides (in PDF format) are available in nine languages, including English, Chinese, Haitian-Creole, Korean, Polish, Portuguese, Russian, Spanish and Vietnamese. You can download a guide or order a print version online from HomeBuyingGuide.org.
Knowing and Understanding Your Credit
Opening the Door to a Home of Your Own
Choosing the Mortgage that's Right for You
Borrowing Basics: What You Don't Know Can Hurt You
T hese authoritative homebuying guides (in PDF format) are available in nine languages, including English, Chinese, Haitian-Creole, Korean, Polish, Portuguese, Russian, Spanish and Vietnamese. You can download a guide or order a print version online from HomeBuyingGuide.org.
Permanent Loan Limit Increase would be good for Homeownership, Says NAR
WASHINGTON, May 22, 2008
Making the temporary loan limit increases authorized by the Economic Stimulus Act of 2008 permanent will give families in high-cost areas equal access to fair and affordable loans on a continuous basis, according to the National Association of Realtors®.
“Congress created Fannie Mae and Freddie Mac to provide liquidity and stability to the mortgage markets. Making the Economic Stimulus Act limits permanent will significantly boost home buyer, lender and investor confidence and will bring more families in high-cost areas back to the marketplace with greater access to affordable financing,” said Realtor® Vince Malta, Chair of NAR’s Public Policy Coordinating Committee, in testimony before the House Financial Services Committee today. “This will also make more affordable interest rates available for families regardless of where they live because of the added liquidity to the mortgage market. We believe the result will be additional sales, lower inventories, and stronger home prices.”
Research studies have found that home prices have the biggest impact on foreclosures, and that strengthening and stabilizing home prices would reduce foreclosures.
“While jumbo mortgages were once associated with luxury housing, today every region of the country has areas that qualify for jumbo conforming loans,” said Malta. NAR estimates that adopting permanent high-cost area limits of 125 percent of the local median home sales price, up to $729,750, will allow more than 500,000 homeowners to refinance into lower interest rate loans every year, helping to reduce foreclosures by as many as 210,000. Additionally, this would generate over $35 billion in increased economic activity, strengthen home prices by 2 to 3 percent, increase home sales by up to 350,000 and save homeowners up to $600 per month.
“For all of these reasons, NAR urges Congress to make the Economic Stimulus Act loan limit increases permanent. Doing so is the right move for the nation’s housing markets and economy and is a matter of simple equity for American families residing in higher cost areas. Stability is what we are after and stability is what this action would provide,” Malta said.
The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.2 million members involved in all aspects of the residential and commercial real estate industries.
Making the temporary loan limit increases authorized by the Economic Stimulus Act of 2008 permanent will give families in high-cost areas equal access to fair and affordable loans on a continuous basis, according to the National Association of Realtors®.
“Congress created Fannie Mae and Freddie Mac to provide liquidity and stability to the mortgage markets. Making the Economic Stimulus Act limits permanent will significantly boost home buyer, lender and investor confidence and will bring more families in high-cost areas back to the marketplace with greater access to affordable financing,” said Realtor® Vince Malta, Chair of NAR’s Public Policy Coordinating Committee, in testimony before the House Financial Services Committee today. “This will also make more affordable interest rates available for families regardless of where they live because of the added liquidity to the mortgage market. We believe the result will be additional sales, lower inventories, and stronger home prices.”
Research studies have found that home prices have the biggest impact on foreclosures, and that strengthening and stabilizing home prices would reduce foreclosures.
“While jumbo mortgages were once associated with luxury housing, today every region of the country has areas that qualify for jumbo conforming loans,” said Malta. NAR estimates that adopting permanent high-cost area limits of 125 percent of the local median home sales price, up to $729,750, will allow more than 500,000 homeowners to refinance into lower interest rate loans every year, helping to reduce foreclosures by as many as 210,000. Additionally, this would generate over $35 billion in increased economic activity, strengthen home prices by 2 to 3 percent, increase home sales by up to 350,000 and save homeowners up to $600 per month.
“For all of these reasons, NAR urges Congress to make the Economic Stimulus Act loan limit increases permanent. Doing so is the right move for the nation’s housing markets and economy and is a matter of simple equity for American families residing in higher cost areas. Stability is what we are after and stability is what this action would provide,” Malta said.
The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.2 million members involved in all aspects of the residential and commercial real estate industries.
Monday, May 5, 2008
Quote of the Week
It is not that we fail to know that God is and who God is; it is that we refuse to believe what we know to be true. R.C. Sproul
Monday, April 14, 2008
Real Estate Questions:
If you have any questions about buying or selling a home or need a lender referral, please blog in.
Rebecca and Kevin
These are the wonderful parents of those cute little boys you will hear about. Good parents is not enough to say. To have four boys so close together and make each one feel special and 
loved is quite a feat. they do an awesome job and still are sure to love each other. Kevin thanks for being a great son in law and a superb daddy. Rebecca I am so proud of you. I would love to give you parenting advice and be controlling but I think you do so much better than any advice I could give you. So you go girl!! (I am guessing that is old cliche) Nevertheless Yea BEC!
loved is quite a feat. they do an awesome job and still are sure to love each other. Kevin thanks for being a great son in law and a superb daddy. Rebecca I am so proud of you. I would love to give you parenting advice and be controlling but I think you do so much better than any advice I could give you. So you go girl!! (I am guessing that is old cliche) Nevertheless Yea BEC! Jason and Summer
My baby boy Jason and his sweet wife Summer. I wondered why her mom named her Summer since she was born in the fall but now I know. It is because she is sunshine personified. She has a beautiful smile and her eyes light up when she looks at my son. She is thoughtful and personable. What an answer to prayer. We pray for our children to marry an adoring partner and so I have it.
We love it when we get to "hang out" with them.
The Husband
This is my husband Dan. He owns an appliance repair business. Dan's Appliance Repair (405 341 8007) has been in business since 1987. He works on washers, dryers, dishwashers, stoves, ranges and cook tops.
We had our first scuba experience. It was great. We are excited about our open water dive. Does anyone know of a place to get scuba gear that doesn't cost an arm and a leg? We still need BC's, computers and of course regulators. Renting may just have to be the way for a bit. Unless of course someone mails me a large check. I don't think renting is the worst thing one could ever do.
Well we get to finish SCUBA lessons on the 28th of June. It will be our first open water dive.
I am so excited.
My Grandsons Eric Mark Zack and Ben
These little guys are the loves of my life.
They are all very different and are all my very favorite!
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