My Motto

To Live, Laugh and Learn, and in no specific order

Tuesday, June 28, 2011


Do you feel safe in your own home? If you could use some do it yourself tips on how to keep you and your family safe, then you need to read this article.  With the economy in the shape that it is in, I am reading more and more everyday in our hometown paper about homes that are being broken into for anything that these thieves can grab onto to sell for cash.  Whether they are trying to support their drug habits, or just trying to provide for their families and needing money, its a real threat in all of our lives these days.  No one, and no community is immuned from that possible break-in. 
The vicitims of these crimes aren't nearly as upset about what was taken as they are scared for their families of what could have happened if they were home, and the simple fact that they feel violated.
You can prevent yourself from being a victim with these 5 essential steps.  Anything you can do to protect your home is better than doing nothing at all!
Visit for more articles like this.

Friday, June 17, 2011


Sweet Home Alabama
According to the media, you would think the housing market in Calhoun County, Alabama is destitude, but according to the latest stats, Alabama isn't even in the top ten States for Foreclosures.
The Top 10 States with the highest foreclosure activity rates in the nation in May 2011, and the change from last year.

Rank State Foreclosure activity rate % change year-over-year foreclosure activity

1 Nevada 1 in 103 housing units -23.1%
2 Arizona 1 in 210 units -18.5%
3 California 1 in 259 units -27.9%
4 Michigan 1 in 311 units -28.1%
5 Utah 1 in 365 units -0.5%
6 Georgia 1 in 387 units -23.8%
7 Idaho 1 in 460 units -32.1%
8 Florida 1 in 461 units -62.1%
9 Illinois 1 in 500 units -29.8%
10 Colorado 1 in 518 units -13.6%

CLICK ON THIS BADGE   if you are interested in seeing the statistics for Home Sales for the month of May in Calhoun County.

Tuesday, June 7, 2011

Things to Avoid that Can Cancel Your Home Closing

Yes, the Lender will recheck your Credit either the day before or the day of Closing, and yes there are things that will prevent you from Closing on the Home of your dreams.  I can't stress enough that you can not go out and buy a new car, or open a charge account so that you can put all new furniture and appliances  in your new house before closing without it damaging your chances of getting the loan thru.  Especially not a 90 days same as cash or don't pay any interest for a year account.  These last 2 are definately deal breakers when it comes to securing your loan on the day of closing.  I have seen it happen too many times.  If you need appliances, or furniture, have it picked out and be ready to finalize the deal AFTER THE CLOSING.  So it takes you another day to move in, thats better than not moving at all.  If you have any questions about your credit, with what you can and cannot do before closing according to your finances and situation, please talk to your lender.  He or she wants your closing to happen just as much as you do.

Visit for more articles like this.