Last Week To Take Advantage Of The Federal Housing Tax Credit !!

Ross Bridge Community Yard Sale Date Change

Top 10 Tips for Staging a Home

Provided your home-for-sale has the curb appeal to get potential buyers inside, keeping them inside for a further look requires a staging strategy that sticks the deal.

HGTV's FrontDoor.com offers what it considers the Top 10 tips that can turn a languishing listing to a multiple offer attraction.

• Reclaim the yard. First impressions rule. Spruce up curb appeal by maintaining a clean yard, adding plants for a splash of color and applying a fresh coat of paint to the front door.

• Let the foyer flourish. The home portal sets the tone for the entire home. Make the space up-to-date, well-maintained and eye catching -- top to bottom.

• Back off beige. Don't let neutral colored walls dominate a room. Splashes of color liven up boring spaces. Throw pillows, artwork and fresh flowers add pops of color and personality.

• Cure kitchen craziness. Consistency pleases. All countertops and cabinets should match. New hardware, a new backsplash and a thorough cleaning can transform a bleak kitchen into one with smiles.

• Denude the dining room. De-cluttering and depersonalizing is the first rule of home staging. Homebuyers can have trouble envisioning themselves living in a home that's full of the seller's personal items.

• Avoid focal point faux-pas. Highlight the great features in a home by positioning furniture to highlight them. Windows, fireplaces and other architectural details will be noticed by a buyer if they are emphasized in the home correctly.

• Perk up the patio. The outdoor space is an extension of the home. Capture a higher selling price by cleaning and adding style to any outdoor space with furniture, lighting and accessories.

• Master the master suite. The best approach to staging is often working with existing accessories. Using what is already in the room and repositioning the furniture will highlight the room’s best features.

• Cure bathroom blues. Older vanities and dreadful wallpaper will make any bathroom feel outdated. Apply a fresh coat of neutral-hued paint and new hardware to modernize and brighten.

• Repurpose extra rooms. The value of a space decreases when homebuyers see a room without direction (think part office, part playroom, part home gym). Though almost every homeowner is guilty of having a "junk room," take sure to stage each room with a clear purpose before putting the home on the market.

Thought For The Day !!!

OPPORTUNITY WILL NOT INTEREST ITSELF IN THE PERSON WHO ISN’T INTERESTED IN IT.

In a free and democratic society, the number of opportunities for achievement is virtually limitless. In every business or profession, there are innumerable opportunities to invent new products, to improve manufacturing and administrative processes, and to offer better service than the competitor down the street. But every opportunity will soon drift away unless someone seizes it and puts it to work. Anytime you are faced with a difficult problem, stop for a moment and ask yourself: "What is the opportunity hidden in this problem?" When you find an opportunity, you will be far ahead of your competitors.

IF YOU DON’T KNOW WHY YOU FAILED, YOU ARE NO WISER THAN WHEN YOU BEGAN

There’s an old adage that those who refuse to learn from history are doomed to repeat it. So it is with our failures. Unless we learn from our mistakes, we are likely to repeat them until we learn from such experiences and correct our course-or give up and accept temporary defeat as permanent failure. Every setback you encounter in life contains valuable information that, if you study it carefully, will eventually lead you to success. Without adversity, you would never develop wisdom, and without wisdom, success would be short lived indeed. When you make a mistake, say, "That’s good! I’ve gotten that out of the way. I will never do that again." You will no doubt make other mistakes, but they won’t bother you nearly as much when you treat them as learning experiences.

THOSE WHO CREATE GOOD FELLOWSHIP AMONG OTHERS WILL NEVER BE SHORT OF FRIENDS

If you have a friend who goes out of his way to help cement friendships between others, consider yourself fortunate indeed. In today’s frantic, mobile, throwaway society, such individuals are exceedingly rare. With the demands placed upon us by our careers, our families, and the hectic pace of daily life, most of us have little time for ourselves, and even less for our friends. Yet we know that friendship freely given and gratefully received is one of life’s greatest gifts.

Spring Home Tips

SUCCESS REQUIRES NO EXPLANATION; FAILURES MUST BE DOCTORED WITH ALIBIS

The surest way to achieve acceptance in any organization or in any line of work is to be successful. Unfortunately, life doesn’t work that way. No matter how carefully you study a subject, no matter how rationally you make decisions, no matter how well prepared you are, you will occasionally make mistakes. Human beings always do. The important thing is to realize that temporary setbacks are not permanent failures. Successful people recognize that we all experience temporary setbacks that require us to reevaluate our performance and take corrective action to achieve success. They know that adversity is never permanent.

Top Questions Home Buyers Have About the Tax Credit

Some of the more commonly-asked questions, and the answers, include:

How does a home buyer claim the tax credit?

The credit is claimed when the home buyer files or amends their federal income taxes. For qualifying homes purchased in 2009 or 2010, the taxpayer must complete IRS Form 5405 and attach a copy of the settlement statement. In most cases, the settlement statement is a properly executed Form HUD-1.

In circumstances where a HUD-1 is not provided, such as purchasing a mobile home or a newly constructed home, the IRS will accept an executed retail sales contract (mobile homes) or a copy of the certificate of occupancy (new homes).
Does the home buyer have to sell their current home in order to qualify for the $6,500 repeat home buyer tax credit?

A home buyer does not need to sell their current home in order to be eligible for the repeat buyer credit. They can continue to own both homes, and rent or use their former home for something else, as long as it no longer serves as their principal residence. The taxpayer is required to use the new home as their principal residence, and live in it for at least 36 months, or they will have to repay the credit.
Do married couples both have to meet the eligibility requirements in order to claim the credit, even if they file taxes separately?

Both spouses must fully meet all the eligibility requirements for either the $8,000 first-time home buyer tax credit or the $6,500 repeat buyer tax credit, regardless of if they file joint or separate tax returns. However, if an unmarried couple purchases a home and only one person qualifies, the eligible person may claim the full credit.
Do all home purchases need to be completed by April 30, 2010, in order to be eligible for the credit?

There are two exceptions to the April 30 deadline. If the buyer enters into a binding contract by the deadline, they have until June 30, 2010, to complete the purchase. The deadline has been extended a year, to April 30, 2011, for members of the uniformed services, Foreign Service or employees of the intelligence community who have been on qualified extended duty outside the United States for at least 90 days between January 1, 2009, and April 30, 2010.
NAHB's Web site www.FederalHousingTaxCredit.com provides information including eligibility requirements for the $8,000 first-time home buyer and $6,500 repeat buyer tax credits, detailed question and answer sections, and links to additional home-buying resources for consumers.



For more information on the federal housing tax credit, visit www.FederalHousingTaxCredit.com or NAHB's Home Buyer Tax Credit Toolkit.

Ross Bridge Community Yard Sale

THERE IS A VAST DIFFERENCE BETWEEN FAILURE AND TEMPORARY DEFEAT

There is no such thing as failure, unless it is accepted as such. Every defeat is temporary unless you give up and allow it to become permanent. In fact, temporary defeat often makes us stronger and more capable. Each time we try and fail, we learn something that helps prepare us for eventual success. Only in the classroom is there a single correct answer for every problem. If you try an approach that doesn’t work, try something else. When you view adversity as nothing more than a learning experience, your successes in life will far outnumber your failures.

St Patrick's Day - March 17, 2010

Don't Forget Daylight Savings Time Begins 3/14/10

YOUR JOB WILL DO NO MORE FOR YOU THAN YOU DO FOR IT

Any job contains opportunities for personal growth if you approach it as a positive learning experience. Just as every business is required to adapt to new technologies, new competitors, and countless other changes that routinely occur, so is every individual. If you are not learning and advancing in your job, you are stagnating and falling behind. It is impossible to stand still. View each day as an opportunity to learn something new, to improve yourself, and then do one thing better than you have ever done it before. In a dynamic organization, it is impossible to master every task; just when you think you have everything figured out, things change. Accept such changes as a necessary aspect of business, one that makes life interesting and exciting. You will find your job much more enjoyable when you do, and you will indeed find that it does more for you than you do for it.

THOSE WHO DO MORE THAN THEY ARE PAID FOR WILL SOONER OR LATER BE WILLINGLY PAID FOR MORE THAN THEY DO.

If you consistently do more than you are paid to do-whether you are a professional, an executive, an hourly worker, or an entrepreneur-you will eventually be compensated for far more than you do. If you give more and better service than those around you, customers will beat a path to your door, and your boss will consider you irreplaceable. With the dearth of outstanding service that exists in the world today, you can instantly differentiate yourself from the competition simply by providing good service.

Rates May Be Headed Up Soon...But Why?

You've heard a lot over the last several months about historically low home loan rates...but lately, you've probably been hearing the buzz that interest rates may be heading up in the near future, due in part to the Fed ending their purchases of Mortgage Backed Securities.

All of this begs the question: How and why do rates move...and what is happening right now?

The answer involves a number of factors and can seem complex. But it doesn't have to be!

To help you understand how interest rates move, take a look at this easy to understand video. You'll learn what the Fed has been doing to keep rates low, as well as the connection between interest rates and Mortgage Backed Securities.

Take a look at the video now for an easy explanation: Just click on the title of this article and it will take you to the video...How Rates Move - and What it Means Right Now

ONLY THOSE WHO HAVE THE HABIT OF GOING THE SECOND MILE EVER FIND THE END OF THE RAINBOW

It is a fact of life that most of us try and fail many times before we ultimately achieve the level of success that we desire. You can expect to travel the extra mile many times only to find fool’s gold at the end of your rainbow. But you will most certainly miss out on the great riches that await you if you quit trying. A superficial commitment to doing more than expected based only on what you expect to receive will not sustain you in the long term. Great achievement results from a commitment to do the right thing regardless of the consequences, and that commitment will ultimately lead you to the pot of gold at the end of your rainbow.

REMEMBER THAT EVERY TIME YOU GO THE EXTRA MILE, YOU PLACE SOMEONE UNDER OBLIGATION TO YOU

When you do something to or for another, whether your deeds are good or bad, people feel compelled to "retaliate" in kind. If you are a kind and decent person, you can expect to be treated well in return. If you use others for your own advantage without giving anything in return, you will soon find that they have little use for you. People like working for and with positive, considerate people. Start now to develop the habit of going the extra mile.

Great Superbowl Commercials !!!

Cell Phone Directory Assistance Calling From ATT

As you know, directory assistance calls from your AT&T cell phone cost $1.99 each now and can add up fast. I imagine Verizon and other carriers have a similar fee,

Here's a toll free directory assistance number from AT&T. There is no fee per use like the 4-1-1 call on the cell phone, you only pay for minutes like you would for a call to any other land line. If you have Verizon or other service, I would imagine it would work the same way, but you could check with them.

Here's the 800 Number: 1-800-935-5697 (that's 1-800-YELLOWP ). I have put it in my phone, please put it in yours. Name it what you like, I named it '411' so it would show up at the beginning of the list. Feel free to give to your friends, too!