dave kosmecki: Times They are a Changin' - 07/18/08 09:47 PM
I created this customized video and thought it so funny I had to share it with everyone. Jib Jab allows you to create your own customized videos when you are a member and found this one irresistible. I hope you enjoy it!
Send a JibJab Sendables® eCard Today!
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dave kosmecki: Maple Grove Days July 10-13, 2008 - 06/21/08 07:58 PM
"It's A Classic"
That's the theme of the 2008 Maple Grove Days celebration! Once again, the Maple Grove Community Organization has many popular events planned for this year's festivities which run from Thursday July 10, through Sunday, July 13. Also, look for businesses throughout the community participating in sidewalk … (0 comments)
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dave kosmecki: Maple Grove Adult Fitness Choices - 06/18/08 10:43 PM
Adult Fitness - Providing Healthy Choices to the Community
The Maple Grove Parks and Recreation Board offers a variety of fitness classes for adults throughout the year. All programs are held at school facilities in Maple Grove. Classes offered include: Pilates, Stability Ball Training, Cardio Kick Fitness, Cardio Boot Camp, … (0 comments)
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dave kosmecki: Garden Volunteers Needed - 06/18/08 10:37 PM
Reap the benefits of being outside and knowing that you have given back to your community through these special volunteer opportunities.
Calling All Gardeners: Volunteers are needed to assist Colleen Hazen, Gardener for the City of Maple Grove, at the Banquet Garden/ Community Center, West Arbor Lakes Garden and Arboretum. … (0 comments)
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dave kosmecki: Arts Council Offers Arts Classes Open to All! - 06/18/08 10:32 PM
The Maple Grove Arts Council (MGAC) is offering a program of summer art classes for students of all ages. Students may choose from Saori weaving, poetry, animation, sculpture, and creative photography. Registration information is available on the MGAC website (www.maplegroveartscouncil.org) and also at The Studio at Rush Creek and area … (0 comments)
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dave kosmecki: Farmer's Market Again This Year - Gets Better Every Year! - 06/18/08 10:26 PM
You'll find much more at the Farmers Market!
Food and fun will be in abundance this season at the Farmers Market. It had kicked off on June 12th when the 2008 outdoor season started at the Community Center.
The Market runs every Thursday (rain or shine) through October 23rd. Hours from June … (0 comments)
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dave kosmecki: More Maple Grove Days Events - 06/18/08 10:19 PM
Events Around Maple Grove*
Thursday, July 10 Pierre Bottineau Parade - Parade begins with political units at 6 p.m., followed by the rest of the Parade at 6:30 p.m., along 89th Avenue from Zachary to Elm Creek Boulevard Tennis Tournament - Maple Grove Senior High tennis courts Friday,
July 11 … (0 comments)
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dave kosmecki: Maple Grove Days Events - 06/18/08 10:16 PM
Events at Maple Grove Community Center *
Thursday, July 10 Farmers Market
Friday, July 11 Teen Sports Marathon Children's Parade & Activities Seniors Bridge Tournament
Saturday, July 12 Lions Corn Roast & Other Fair Foods Battle of the Bands Free Kids Events, Pony Rides, Petting Zoo & Inflatable Rides, Classic … (0 comments)
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dave kosmecki: SUMMER CONCERT SERIES - 06/18/08 10:10 PM
The Shoppes at Arbor Lakes again host a Summer Concert Series
Thursdays, July 10 - August 21 Enjoy live performances from some of the Twin Cities' best vocal and instrumental talents. Bring your lawn chair or a blanket! Shows are appropriate for all ages. 2008 Concert Schedule* Concerts are held … (0 comments)
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dave kosmecki: Maple Grove Busienss Expo is Coming! July 12th - 06/08/08 01:28 PM
The Business Expo is held during Maple Grove Days. It provides a great opportunity for businesses large to small to mke themselves known to the community. The Expo has attended by over 6,000 people, and the 2008 event will take place on Saturday, July 12, from 10 a.m. to 4 p.m. inside the … (0 comments)
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dave kosmecki: Farmer's Market Opens Soon - 05/25/08 07:15 PM
Make sure not to miss the 2008 Maple Grove Farmers Market. The season opens on June 12th and runs every Thursday (rain or shine) from 3 to 7 p.m. through October 23rd. There's plenty of free parking and easy access to the Market site located in the Maple Grove Community … (0 comments)
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dave kosmecki: Discover Hometown Health - 05/25/08 07:07 PM
Discover Hometown Health is about fi nding new ways to get active and learn more about current health topics. It is about you and your family making healthy lifestyle choices. Most of all it is about having fun and enjoying life. Discover Hometown Health is presented in partnership with the Maple … (0 comments)
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dave kosmecki: Why Buy Now? - 04/01/08 09:58 PM
In this short video, Dave Kosmecki explains why now is the time to buy. This is the best time in many years to buy that new home. Based upon my 27 years of experience, this type of buyer's market only comes around once every ten to fifteen years. Get in … (0 comments)
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dave kosmecki: Mortgage Insurance 101 - 04/01/08 09:55 PM
In this short video, Dave Kosmecki explains the basics on Mortgage Insurance. What is it? Why is it necessary? Who pays for it? Based upon my 27 years of experience, I see so much confusion about mortgage insurance. I also see people doing everything possible to avoid it. Mortgage insurance … (0 comments)
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dave kosmecki: What is an REO? - 04/01/08 09:50 PM
In this video, Dave Kosmecki explains what an "REO" is. He describes the advantages and disadvantages to purchasing an REO. REO or bank owned property can be a real value but buyer beware! When you consider this type of purchase, be sure to get expert advice on condition. Based upon … (0 comments)
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dave kosmecki: Closing Costs and No Cost Loans Explained - 04/01/08 09:43 PM
In this short video, I explain the confusion about "NO COST LOANS". All mortgages have closing costs. The "no cost" option really refers to who pays the closing costs. No Cost Loans can be a "good deal" in some cases. In other cases, it's a bad deal. The question that … (2 comments)
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dave kosmecki: Maple Grove Wellness Program Wins Awards - 10/14/07 04:57 PM
Maple Grove's Fit For Life Wellness Program won the "Corporate Achievement in Health Care Award," presented by Twin Cities Business and Medica in their joint effort to present Minnesota's first annual "Health Care Heroes" awards. These awards recognize and honor organizations and individuals whose efforts advance the quality and enhance the … (0 comments)
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dave kosmecki: Statewide Smoking Ban Starts October 1, 2007 - 10/05/07 10:14 PM
Back in May, Governor Pawlenty signed into law new provisions to the Minnesota Clean Indoor Air Act. The new provisions go into effect October 1st and prohibit smoking in virtually all indoor public places and indoor places of employment. This includes bars, restaurants, private clubs, retail stores, offices and industrial … (1 comments)
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dave kosmecki: Historic Ox Cart Trail - 10/05/07 10:10 PM
Located at 15310 Territorial Road, the Historic Oxcart Site was built at the original downtown Maple Grove. Territorial Road was once the most traveled road in Minnesota and ran from Fort Snelling to St. Cloud. The site and surrounding area once housed a cheese factory, creamery, general store that was … (0 comments)
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dave kosmecki: Walking in Maple Grove to See the Leaves - 10/05/07 10:06 PM
Celebrate Minnesota's glorious autumn by participating in Three Rivers Park District's 35th Annual "Autumn Hiking Adventures" program which runs from September 1st through October 31st. Enjoy the fall colors with families and friends. Twenty one scenic trails have been designated as official Autumn Hiking Adventures trails, including four "Trails...At Your Pace" … (0 comments)
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dave kosmecki: Maple Grove has a 2nd Sheet of Hockey Ice on It's Way! - 10/05/07 09:57 PM
After several years of discussions, presentations and consideration, the expansion of the Community Center ice arena continues to move forward. Here are a few of the highlights:
A survey of the area has been completed and the results have been sent to Ankeny Kell Architects (AKA). The survey allows AKA to … (0 comments)
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dave kosmecki: Maple Grove Angel of Hope - 10/05/07 09:51 PM
On December 6 at 7:00 p.m. a candlelight memorial will be held at the Angel of Hope statue in Maple Grove. The Angel of Hope is one of many Christmas Box Angels throughout the United States that are replicates of a statue commissioned by Richard Paul Evans, author of The Christmas Box, … (0 comments)
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dave kosmecki: Plans for a Maple Grove Bandshell and a Town Green Plaza - 10/05/07 09:48 PM
Outdoor concerts, Shakespeare in the Park, summer weddings, tranquil spots for reading and lunch, a stroll through a garden landscape...these are the images of a new town center park. Since the development of the Community Center and Government Center, City visionaries have imagined a unique gathering place for Maple Grove … (0 comments)
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dave kosmecki: Adult Fitness in Maple Grove - 10/05/07 09:42 PM
The Maple Grove Parks and Recreation Board offers a variety of fitness classes for adults throughout the year. All programs are held at school facilities in Maple Grove. Classes offered include:
Pilates • Stability Ball Training • Cardio Kick Fitness
Cardio Boot Camp • Beginning Yoga • Slow Flow Yoga
Tai Chi • … (0 comments)
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dave kosmecki: Santa Visit's Maple Grove - 10/05/07 09:38 PM
Make your plans now as Santa will be at the Maple Grove Community Center on Saturday, December 1st.
This annual event includes breakfast or lunch, photo opportunities with Santa, face painting, crafts and fun, fun, fun! Breakfast (pastries, juice and coffee) is $3 per person and is served from 8:30 … (0 comments)
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dave kosmecki: Maple Grove Receive's Wellness Award - 10/05/07 09:35 PM
The City of Maple Grove's Fit For Life Wellness Program recently won the "Corporate Achievement in Health Care Award," presented by Twin Cities Business and Medica in their joint effort to present Minnesota's first annual "Health Care Heroes" awards. These awards recognize and honor organizations and individuals whose efforts advance the quality … (0 comments)
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dave kosmecki: 5K Run - Autumn Clasic - 09/14/07 05:00 PM
From hardcore distance runners to casual walkers and kids with energy to burn, Autumn Woods Classic offers something for everyone! Winding through the picturesque 4,900-acre Elm Creek Park Reserve, this annual event features a 5K run walk, a 10K run walk, a 10K wheeler and a 1K fun run for … (0 comments)
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dave kosmecki: Elm Creek History - 09/14/07 04:52 PM
Most of us look at a body of water and view it as a part of the community in which we live. Often its history can be so interesting. Take Elm Creek for instance. It flows through two cities, namely Champlin and Maple Grove. This body of water begins from … (0 comments)
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dave kosmecki: Health & Fitness Classes - 09/14/07 04:43 PM
The Maple Grove Parks and Recreation Board offers a variety of fitness classes for adults throughout the year. All programs are held at school facilities in Maple Grove. Classes offered include:
Pilates • Stability Ball Training • Cardio Kick Fitness Cardio Boot Camp • Beginning Yoga • Slow Flow Yoga Tai … (0 comments)
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dave kosmecki: Aug. 1st 2007 I-35W Bridge Collapse in Minneapolis! - 08/01/07 10:16 PM
At the end of rush hour today in Minneapolis an interstate bridge over the Mississippi collapsed.
They say it wasn't terrorism but a structural failure.
You can see the story and video at:http://wcco.com/topstories/local_story_213191448.html
In the midwest, we haven't really understood what Northridge Quake was really like but this certainly gives … (5 comments)
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dave kosmecki: Buying a HUD Home - 07/22/07 12:16 PM
In this short video I discuss all things "HUD Homes". A HUD Home is a foreclosed home owned by the Housing and Urban Development.
It is a foreclosed home that had a FHA mortgage on it. Watch the video and you will
have a better understanding if a HUD is … (0 comments)
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dave kosmecki: Maple Grove Relay for Life - 07/16/07 11:19 AM
The American Cancer Society's Relay for Life brings people together from all walks of life with the common goal of eliminating cancer. No matter who you are or what your age, there's a place for you at Relay. You may be a survivor or currently experiencing your own cancer journey; … (0 comments)
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dave kosmecki: Avoid Becomming a Victim - 07/16/07 11:14 AM
With summer weather, thefts from vehicles increase in parks, residential neighborhoods, and public parking areas. You have the ability to help prevent this crime from happening. Follow these tips to help avoid becoming a victim:
• Lock your doors and roll the windows up tight.
• Park in a well lit area if … (0 comments)
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dave kosmecki: Bernanke Speaks to Congress Today - 07/10/07 03:52 PM
Mr Bernanke Fed Chair) spoke to Congress today and walked very lightly, being afraid to negatively affect the market as his speech was on inflation (a bad thing for both stocks and bonds). In his speech he discussed his views that higher fuel and food prices have little effect on … (0 comments)
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dave kosmecki: 11 THINGS YOU NEED TO KNOW TO PASS YOUR HOME INSPECTION - 07/03/07 07:13 PM
Home Buyers Want to Know Your Home Inside And Out
While home-buyers are as individual as the homes they plan on purchasing, one thing they share is a desire to ensure that the home they will call their own is as good beneath the surface as it appears to be.
Will the … (3 comments)
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dave kosmecki: How do Fee Appraisals and Tax Value Compare? - 06/28/07 04:33 PM
In this short video I discuss the differences and similarities of Tax Value and the value as determined by an appraiser. Many people ask or compare these different numbers. This video was produced to clear up any confusion.
You can subscribe to my channel on You Tube at: http://www.youtube.com/1211dave
… (0 comments)
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dave kosmecki: Truth In Lending Disclosure and APR - 06/25/07 10:09 PM
This short video explains the confusing "Truth-in-Lending" disclosure and how the APR is computed. I discuss the flaws in only looking at APR to determine what is really the lowest cost option.You can subscribe to my channel at You Tube at http://www.youtube.com/1211dave. At the channel I have many videos of … (0 comments)
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dave kosmecki: No Closing Cost Mortgage Option - 06/25/07 09:55 PM
My short video explains what is meant by a "no closing cost" mortgage. I explain how it is computed and helps you think about this option and if it is a viable option for your new mortgage. You can subscribe to my channel on You Tube at http://www.youtube.com/1211dave.
My channel … (0 comments)
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dave kosmecki: How a Fee Appraisal compares to a Competitve Market Analysis - 06/25/07 09:42 PM
This short video explains the similarities and the differences of what a fee appraiser produces with what a professional real estate agent produces. It explains some of the constraints the appraiser is under which the real estate professional is free to ignore.
Dave Kosmecki - AmStar Group
www.americanstar.com
http://www.youtube.com/1211dave
http://www.teamamstar.com … (0 comments)
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dave kosmecki: Appraisals 101 - 06/25/07 09:25 PM
This short video gives you the background on what happens when an appraiser does an appraisal. It gives you an understanding of how the appraiser determines value. At AmStar you always get a copy of the appraisal at closing. If you are using someone else, always insiste on getting a … (0 comments)
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dave kosmecki: Maple Grove Receives Governor's Designation "Fit City" - 06/21/07 03:43 PM
Governor Tim Pawlenty and Commissioner of Health Dianne Mandernach announced that Maple Grove had received the designation :Governor's Fit City". Maple Grove joins more than 30 communities throughout the State who have achieved this designation."The leaders of Maple Grove have made a strong commitment to provide physical activity opportunities for people in their … (0 comments)
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dave kosmecki: Northwest Community Television in Maple Grove - 06/19/07 02:39 PM
Northwest Community Television and Channel 12 programming includes daily community news, sports and events programming.
David Kosmecki - AmStar Group
www.americanstar.com
www.teamamstar.com
www.youtube.com/1211dave
… (0 comments)
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dave kosmecki: Maple Grove Senior Center - 06/19/07 02:23 PM
The senior center offers many programs and classes designed to meet the desires of an active senior. The Senior Center also offers social opportunities including monthly luncheons and dinner with entertainment, trips and card and board games.Classes include:computer education aerobics and swim fitness oil painting and watercolor literature and writing crafts and quilting book discussion groups on current world eventsQuestions? call … (0 comments)
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dave kosmecki: Types of Appraisals - 06/18/07 09:48 PM
There are several different types of appraisals. When you purchase or refinance, based on the loan type, loan to value, if it's a cash out refinance or a rate and term refinance; if you are applying for a 1st mortgage or Home Equity Loan are help in determining the type of … (0 comments)
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dave kosmecki: National Night Out 2007 - 06/17/07 05:51 PM
Tuesday, August 7, 2007 is the date for Maple Grove's National Night Out.Iinvite you, your friends, and your neighbors to join forces with the Police Department and unite against crime in this unique event.Neighborhoods block parties in the evening which may include contests, music, sporting events/games, food, and lots of fun. … (0 comments)
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dave kosmecki: Working with a Buyer's Agent - 06/13/07 11:05 AM
In this short video I explain some of the differences between working with the seller's agent or your own agent. My experiance comes from my 13 years as a real estate agent, real estate broker, 6 years as a builder and 13+ years as a mortgage banker, branch manager.
Dave … (2 comments)
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dave kosmecki: Mortgage Banker vs. Mortgage Broker - 06/12/07 10:18 PM
When financing, should you finance with a mortgage broker or a mortgage banker? In this short video I explain the differences between the two types of lenders. Both have many strenghts and each of some weeknesses. Only you can decide which you should work with. My video is designed to … (0 comments)
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dave kosmecki: Buying from For Sale By Owners - 06/12/07 07:45 PM
In my short video, I explain why FSBOs may not be the "best deal".
I think they need to be considered, especially if they are underpriced but more times than not, they are overpriced. Typically the buyers lack negoitiating power when it comes to For Sale By Owners. This video … (2 comments)
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dave kosmecki: Rate Locks - 06/12/07 06:25 PM
Here is my next video in the series. It is all about rate locks. In the video I explain the difference between "Hard" locks and "Float Down" locks. I discuss the you need to get a written confirmation.Rate Locks vary in length and of course, the long the term of … (2 comments)
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dave kosmecki: Study Wetland Flora and Fauna - 06/11/07 10:55 PM
Volunteers Help Preserve our Past, Present and FutureStudy Wetland Flora and FaunaHave you ever really experienced the living wonder of a wetland? Come explore and monitor our local wetlands. Last summer over 50 adult volunteers in Hennepin County did by participating in the Wetland Health Evaluation Program (WHEP). These volunteers … (0 comments)
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dave kosmecki: Fishing Lead is Toxic - 06/11/07 10:52 PM
Anglers Can Help Get the Lead OutLead is a toxic metal that, in sufficient quantities, has adverse effects on the nervous and reproductive systems of mammals and birds. Lead is found in most fishing jigs and sinkers. This metal can poison wildlife such as loons and eagles. But there is … (0 comments)
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dave kosmecki: Photo Contest - 06/11/07 10:40 PM
Maple Grove Moments Photography Contest! Capture Maple Grove Moments.The City of Maple Grove is proud to partner with Prime Advertising & Design, Inc. as we look for some great shots for our photo library, website, and area-wide publications. Please share your photographic skills and snapshots of your community.Prizes will be … (0 comments)
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dave kosmecki: Maple Grove Art Fair - 06/11/07 10:34 PM
New Date and Venue for Arts Council Art FairMark your calendars as the Arts Council hosts their annual Maple Grove Art Fair at The Shoppes at Arbor Lakes on Saturday and Sunday, September 15 and 16. This event is free and open to the public. More than 70 artists will … (0 comments)
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dave kosmecki: Farmer's Market - 06/11/07 10:30 PM
Freshness 4 You at the Farmers MarketNow in its fourth year, the Maple Grove Farmers Market has become a year-round tradition in the community and northwest metro area. Join us outside at the Community Center every Thursday from 3 to 7 p.m. (rain or shine) starting June 14th and running … (0 comments)
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dave kosmecki: Classic Big Band Concert - 06/11/07 10:27 PM
Good Eats and Great Tunes at the Citywide Picnic and Classic Big Band ConcertIf you love classic dance, swing and big band music in the styles of Glenn Miller, Benny Goodman and The Dorsey's, you'll love this band! Join the fun on Thursday, August 2, on the Maple Grove Community … (0 comments)
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dave kosmecki: Minnesota State Bird - 06/11/07 05:48 PM
Our state bird offers a very calming call. On many of our 10,000 lakes you can find loons.
Dave Kosmecki - AmStar Group
www.americanstar.com
http://www.youtube.com/1211dave
http://www.teamamstar.com
… (0 comments)
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dave kosmecki: Maple Grove Days - 06/11/07 05:41 PM
Enjoy the 2007 Maple Grove DaysOnce again the Maple Grove Community Organization has many popular events planned for this year's Maple Grove Days celebration which runs from Thursday, July 12th through Sunday, July 15th. Thursday, July 12thFestivities kick off with the weekly Farmers Market (3-7 p.m.) outside at the Community … (0 comments)
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dave kosmecki: Mortgage Insurance 101 Video - 06/03/07 02:23 PM
Click Here
This video is designed to give you the basics of what mortgage insurance is and what it does. I also discuss ways buyers can avoid the use of mortgage insurance.
I some cases avoidance of MI can be desireable. I some cases buyers go so far afield in trying to avoid … (0 comments)
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dave kosmecki: Option ARM Basics - 06/01/07 02:34 PM
An option arm is an adjustable rate mortgage with the added flexibility of being able to choose from a variety of payment options from month to month. Option Arm's go by many different names including 'cash flow option loan', 'pick a payment loan', '1-month MTA', and so forth. The increased … (0 comments)
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dave kosmecki: Majors Mistakes Buyers Make and How to Avoid - 05/30/07 06:00 PM
Failing To Have a Plan Evaluate your current situation. Why are you planning to sell your house? Are you moving up to a larger house? Do you need the money out of this house to make your move? One thing you need to do is to get a … (3 comments)
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