Ooops, ok we'll take the boat out right after I cut the grass...
I just went and previewed this foreclosure home here in Cobb County. I think the grass needs to be cut.
Really. There is a boat in there somewhere.. :-)
Plus the home has 2 cars in the garage...
Sometimes this business is just too fun!
*******
Bob Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy a home, Sell a home, in Powder Springs, Marietta, Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South Cherokee, County, Ga. Call me for all of your real estate needs.
Just a few minutes ago I posted a blog, How
long 'til we recover? It did not paint a real rosy
picture for home values, not in a monetary sense anyway.
Over last several years something has been lost in our perspective on
home ownership. Our parents and grandparents bought homes as
a place to raise their families. A place to call home that they
owned. Home ownership was a long term investment. They didn't
buy a home to resell it in 3 years for a profit. They lived
there for 20-30 years and had mortgage burning parties when it was paid
off. Of course over that long period of time the home also
went up in value. But the attitude was to stay, pay, and
slowly build equity.
When you OWN your home you can paint it pepto pink with black polka dots
if you want to. Try that in your apartment or rental home and
see what your landlord says!
(an actual bedroom wall in my home)
Home is where memories are
made and homework is done. It is where you have game nights
or dinner with friends. The REAL value of home ownership is
much more than ... what will it be worth 2 years or 6 years, or 10
years from now.
If you are not a homeowner then become one! Real estate is on
sale right now and the values are great. The real value of
home ownership is even greater!
******
Bob
Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy
a home, Sell
a home, in Powder
Springs, Marietta,
Kennesaw,
Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South
Cherokee, County, Ga. Call me for all of your real estate needs.
So, How's the market? People used to ask me that all the
time. They don't ask that question too much anymore.
I think they know, or are afraid to know, the answer.
The question I get now is more like.. Any signs that it's getting
better? Or, How long until we see a recovery?
Bear in mind that all real estate is local. There are market variations
even within single neighborhoods and the differences across larger
areas can be significant. I don't have a crystal ball and don't pretend
to know what the market will do in the future.
With all of that being said, here are some generalizations for the
Market here in Cobb County Georgia. I am also going to go out
on a limb and make some predictions...sort of :-)
Home values have decreased to about the same value that
they were in 2001-2002. According Realist property
tax records average Cobb County Home values dropped by 9% from April
2008 to April 2009.
The market high was 2007-2008.
So....
IF
The market is at the
bottom now (I don't think it is)
And
IF
The market begins to
appreciate at the rate it did in the 6 years from 2002 to 2008 ( I
don't think it will)
Then 6 years from now in the year 2015 your home will be worth what was
worth in 2008 but, those
are some mighty big "IFS".
So what to do? I have two thoughts to add.
If you are a buyer it is a fantastic time to buy.
Real Estate is on sale!
If you are an owner, remember the value of home ownership
is not a short term profit. it is a long term investment in a place to
call home, to raise your family, and make memories. If you
are in it for the long term you will be fine.
******
Bob
Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy
a home, Sell
a home, in Powder
Springs, Marietta,
Kennesaw,
Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South
Cherokee, County, Ga. Call me for all of your real estate needs.
Flickr Creative Commons Uploaded on May 31, 2008 by respres
There are basically 3 ways to stop a foreclosure. I am writing this from my perspective as an agent here in Georgia. Foreclosure laws vary from state to state so there will be some differences in process but I think the basic ideas will apply anywhere in the U.S.
Pay the money owed. This sounds sort of obvious but it is one way to stop the foreclosure process. This does not mean that the loan needs to be paid in full. In fact it does not necessarily even mean that you will need to make up all of the back payments! of course if you can find a way to do either of those then all the better. Communicate with your bank. They do not want the house back. In loss mitigation work for banks I have direct contact with many home owners who have fallen behind. In many cases the banks are very anxious to work something out with the home owner. Just about 2 weeks ago I met with a home owner who had a first and second mortgage with the same bank. The bank agreed to completely forego any payments on the second mortgage for 4 months and cut the payment on the first mortgage in half for 6 months. This will allow the home owner some time to find a new job and get back on their feet. The big thing is that if you are behind you need to communicate with your mortgage holder!
File Bankruptcy. Filing bankruptcy will stop the foreclosure dead in its tracks. It will buy you some time but be carefull. Think carefully about whether or not it it will solve a problem or are you just buying time to avoid making a tougher decision? The payments will still need to be made or the mortgage holder will appeal to the bankruptcy court to have the home released from bankruptcy protection and then the foreclosure will proceed at that time. About 70-80% of chapter 13 (repayment,reorginization) bankruptcies go in to default. That is the debtor can't make the repayment to the court and defaults. The house ends up getting foreclosed and the home owner ends up with a bankruptcy AND foreclosure on their credit. Again, bankruptcy can be an option, but use it wisely. It is a drastic measure.
Sell the house. I know this is an emotional and tough decision. It's your home. It's where you want to raise your family. You love your neighbors. Listen, it is better to sell and leave with dignity than get foreclosed and thrown out. Period. I think that no matter where you live, your home is worth less now than tit was a few years ago. Selling can be difficult. If you have any equity after the sale the cash is yours to keep (or pay other bills). Maybe you'll just break even on the sale. Sell the house and walk away. However the more common situation today is that you owe more than the home is worth. If this is the case then the mortgage holder will need to agree to a short sale. That is they will agree to accept a payoff for less than what is owed. Why would they do that? It's better to do that than foreclose. It keeps them from owning the house and bearing all the expenses of the foreclosure and resale. It can be a sound but difficult decision for the bank to do this. Again, communicate with the mortgage holder! If your foreclosure is scheduled for next Tuesday then it is too late to work on a short sale today!
Remember that whatever you are facing today is temporary. You can and probably will be a homeowner again. If you can avoid foreclosure or bankruptcy, maintain 2 year of good payment history on your rent and other bills, and can show stable income, you can buy in as soon as 2 years!
I you are here in the metro Atlanta area and behind on your payments, give me a call. I will only list our home if that is the best option for you. I will be glad to discuss your options to help make the plans for your situation. I build my business on repeat and referral clients. I want to be the agent that helps you solve your problem today, earn your referrals, and help you buy your next home in 2 years or whenever the time is right for you.
*******
Bob Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy a home, Sell a home, in Powder Springs, Marietta, Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South Cherokee, County, Ga. Call me for all of your real estate needs.
......And for the support of this Declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor.
********** IN CONGRESS, JULY 4, 1776
The unanimous Declaration of the thirteen united States of America
hen in the Course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. — That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn that mankind are more disposed to suffer, while evils are sufferable than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. — Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.
He has refused his Assent to Laws, the most wholesome and necessary for the public good.
He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.
He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.
He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their Public Records, for the sole purpose of fatiguing them into compliance with his measures.
He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.
He has refused for a long time, after such dissolutions, to cause others to be elected, whereby the Legislative Powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.
He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.
He has obstructed the Administration of Justice by refusing his Assent to Laws for establishing Judiciary Powers.
He has made Judges dependent on his Will alone for the tenure of their offices, and the amount and payment of their salaries.
He has erected a multitude of New Offices, and sent hither swarms of Officers to harass our people and eat out their substance.
He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.
He has affected to render the Military independent of and superior to the Civil Power.
He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:
For quartering large bodies of armed troops among us:
For protecting them, by a mock Trial from punishment for any Murders which they should commit on the Inhabitants of these States:
For cutting off our Trade with all parts of the world:
For imposing Taxes on us without our Consent:
For depriving us in many cases, of the benefit of Trial by Jury:
For transporting us beyond Seas to be tried for pretended offences:
For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies
For taking away our Charters, abolishing our most valuable Laws and altering fundamentally the Forms of our Governments:
For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.
He has abdicated Government here, by declaring us out of his Protection and waging War against us.
He has plundered our seas, ravaged our coasts, burnt our towns, and destroyed the lives of our people.
He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation, and tyranny, already begun with circumstances of Cruelty & Perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.
He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.
He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.
In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince, whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.
Nor have We been wanting in attentions to our British brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.
We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these united Colonies are, and of Right ought to be Free and Independent States, that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. — And for the support of this Declaration, with a firm reliance on the protection of Divine Providence, we mutually pledge to each other our Lives, our Fortunes, and our sacred Honor.
Bob Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy a home, Sell a home, in Powder Springs, Marietta, Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South Cherokee, County, Ga. Call me for all of your real estate needs.
On my IGoogle home page, one of my features is the joke of
the day from Comedy Central.. Honestly most of them are sort
of lame. However this one was on there today and I thought it
was pretty funny. Since tommorow is 4th of July I thought it
might be nice to share a few things that makes America unique.
Enjoy!
********
1. Only in America......can a pizza get to your house
faster than an ambulance.
2. Only in America......are there handicap parking places in front of a
skating rink.
3. Only in America......do drugstores make the sick walk all the way to
the back of the store to get their prescriptions while healthy people
can buy cigarettes at the front.
4. Only in America......do people order double cheese burgers, large
fries, and a diet Coke.
5. Only in America......do banks leave both doors to the vault open and
then chain the pens to the counters.
6. Only in America......do we leave cars worth thousands of dollars in
the driveway and put our useless junk in the garage.
7. Only in America......do we use answering machines to screen calls
and then have call waiting so we won't miss a call from someone we
didn't want to talk to in the first place.
8. Only in America......do we buy hot dogs in packages of ten and buns
in packages of eight.
9. Only in America......do we use the word 'politics' to describe the
process so well: Poli' in Latin meaning 'many' and 'tics' meaning
'bloodsucking creatures'.
10. Only in America......do they have drive-up ATM machines with
Braille lettering.
********
Bob
Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy
a home, Sell
a home, in Powder
Springs, Marietta,
Kennesaw,
Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South
Cherokee, County, Ga. Call me for all of your real estate needs.
Ok, I WAS going to write a thoughtful blog about the
important aspects of home ownership. You know things like like raising
your family, pride of ownership, a place where memories are made, etc.
I might still write that one but I did get distracted.
I heard this song years ago and thought it was just too funny!
Check out The Man Song
Bob
Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy
a home, Sell
a home, in Powder
Springs, Marietta,
Kennesaw,
Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South
Cherokee, County, Ga. Call me for all of your real estate needs.
Help my friend ...and get some great 4th of July Grilling recipes! (check out yummy the pictures)
I have blogged previously about my friend and neighbor,Chef Rian MacDonald. He is a fanatastic young chef that already has published his own cookbook, he is a recruiter and instructor at La Cordon Bleu, and I wouldn't be suprised if he ends up as a famous chef with his own tv show or chain of restraunts!
So check out these great recipes and impress the heck out of your friends at your July 4th cookout!
I also want to ask for your HELP.
To vote for your favorite, you must follow the "click here to read or post comments" link on the individual recipe page, and then add your rating in stars and your comments.
Please ReBlog or repost this information
Twitter it
Facebook it
etc...
Help get the word out and lets get a bunch of votes for Chef Rians recipes! Thanks for your help.
Have a safe, happy, and delicious 4th of July!
************
Here are the recipes and details
Chef Rian Macdonald has entered the OUTDOOR COOKING's SECOND BBQ RECIPE contest!
Grilled Georgia Peach with Blueberry Crumb Cake Filling and Cranberry Sauce
by Rian Macdonald (Powder Springs, GA)
Grilled Georgia Peach with Blueberry Crumb Cake Filling and Cranberry Sauce
Ingredients 6 Peaches 3 pint Blueberries ½ cup Granulated White Sugar ½ cup Light Brown Sugar 5 tablespoons Butter, softened ¼ cup cinnamon 10 whole Graham Crackers, crushed Whipped Cream 12 sprigs of mint
For Sauce: 1 cup Cranberries 2 tablespoons Honey 1/8 cup Granulated White Sugar Zest from 1 lemon ¼ cup Riesling wine ¼ cup Cranberry Juice
Procedure: 1. Cut peaches in half and twist to separate the halves, much like an avocado. With a spoon, remove the pit and fibrous center of the peach to form a pocket. 2. Drizzle olive oil over the flesh of the peach halves and slightly sprinkle with cinnamon and brown sugar. Reserve in refrigerator until ready to use. 3. Place a sheet of foil, shiny side up, on flat surface and put a coffee mug in the middle. Fold the sides of foil up around the mug forming a cup shape with the foil. Then remove the mug. Repeat this to form 4 foil cups. 4. Wash the blueberries. Separate evenly into the foil shaped cups. 5. In a separate bowl, combine butter, 1 tablespoon of honey, granulated white sugar, graham crackers, and ¼ cup of brown sugar, cinnamon and mix with a fork. Mixture should be clumpy, like coffee cake topping. 6. Evenly spoon sugar mixture into each foil cup, reserving ¼ of the mixture for later use. Pinch edges together tightly to close. 7. Put blueberry foil filled cups on the grill and cook covered for 5 minutes. 8. Lightly grease grill, put peach halves skin side up to grill-mark the flesh of the peach. This should take about 2 minutes in one direction, than 2 minutes in the opposite direction. 9. Remove peaches and foil cups filled with blueberries. Let rest for 5 minutes. 10. To make the cranberry sauce, combine all listed sauce ingredients in a food processor, and mix until smooth. 11. Transfer sauce from food processor to sauce pot and let cook over medium-high heat until the sauce reduces by half Assembly: 1. On the bottom of the skin side of the peach, slice off a sliver, so the peach sits flat on a plate. 2. Add the blueberry mixture to the formed pocket in the center of the peach. Sprinkle the remaining sugar mixture on top of each blueberry mixture. 3. Pipe out some whipped cream on top of the blueberry mixture and garnish with a sprig of mint. 4. Drizzle Cranberry Sauce to the side of the peach, and then serve.
To vote for your favorite, you must follow the "click here to read or post comments" link on the individual recipe page, and then add your rating in stars and your comments.
**********
Fire Roasted Pork Loin Tower with Mango Salsa and Cranberry Infused Rice
by Rian Macdonald (Powder Springs, GA)
Fire Roasted Pork Loin Tower with Mango Salsa and Cranberry Infused Rice
Ingredients:
2 whole Pork loins, trussed
For Marinade: 1 cup Cranberries 1/8 cup Rice Vinegar ½ Cranberry Juice 1/8 cup Riesling wine Olive Oil Zest from 1 Lemon
For Rice: 2 cups White Rice 2 cups Water 2 cups Cranberry Juice
For Mango Salsa: 2 ripe Mango, small diced 1 medium sized Cucumber, seeded, small diced 4 tablespoons Cilantro, chopped 1 medium White Onion, small diced
For Cranberry Sauce: 1 cup Cranberries 1 tablespoon Honey 1/8 cup Granulated White Sugar ¼ cup Riesling Wine ¼ cup Cranberry Juice Zest of 1 lemon
Parsley
Procedure:
For Cranberry Marinade: 1. In a food processor combine 1 cup of Cranberries, rice vinegar, lemon zest, and olive oil. Put combined marinade in plastic bag and add pork loin. Let marinade for 2 hours.
For Rice: 1. In a medium saucepot, add 2 cups water and 2 cups Cranberry Juice, and bring to a boil. Once at a boil, add rice and cover. Reduce the heat to low and cook until the rice is al dente, this should take about 30 minutes.
For Mango Salsa: 1. In a small mixing bowl, add ingredients for mango salsa and combine. Keep in the refrigerator to keep cool.
For Preparation: 1. Place the pork tenderloins on a hot grill, and sear all sides of the loin until a nice crust has formed. 2. Lower the heat of the grill and continue to baste the pork tenderloins with marinade every 5 minutes. 3. Pork tenderloin is done cooking when the juice run clear or the internal temperature is 155 degrees. 4. When pork tenderloins are done cooking, remove from the grill and let rest for 5 minutes. 5. Remove butcher?s twine.
For Cranberry Sauce: 1. In a food processor add all ingredients from sauce list and mix well until smooth. 2. Transfer ingredients from food processor to a medium saucepot. 3. On high heat reduce cranberry sauce by ½, then let cool.
Assembly: 1. With a pastry mold, put rice on inside the mold, about ½ of the way to the top, and then top off with the mango salsa. Push ingredients down while removing the mold. 2. Slice pork tenderloins into ¼-inch medallions. Put 1 medallion on top of the rice and salsa mixture. 3. Garnish with cranberry sauce, and a fresh cranberry.
To vote for your favorite, you must follow the "click here to read or post comments" link on the individual recipe page, and then add your rating in stars and your comments.
Bob Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy a home, Sell a home, in Powder Springs, Marietta, Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South Cherokee, County, Ga. Call me for all of your real estate needs.
Bob
Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy
a home, Sell
a home, in Powder Springs,
Marietta,
Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North
Fulton, South Cherokee, County, Ga. Call me for all of your real estate
needs.
Bob Southard, e-Pro, Realtor ®, Solid Source Realty, Inc. Buy a home, Sell a home, in Powder Springs, Marietta, Kennesaw, Acworth, Dallas, Hiram,and Cobb, Paulding, Douglas, North Fulton, South Cherokee, County, Ga. Call me for all of your real estate needs.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.