Frederick William Faber (1814 - 1863, British Theologian)
So why the long face?
Long-term rates fell again during the week of Thanksgiving as concern for the economy deepened: the 10-year Treasury fell to 3.27 percent, taking mortgages a hair under 5 percent. However, much of the new data in the holiday-shortened week was quite favorable: new claims for unemployment insurance nosedived to 466,000 last week, a huge drop from the prior 505,000 threshold and 200,000 below the worst of last winter. Another happy surprise: October sales of existing homes surged 10.1 percent, sales of new ones by 6.2 percent, and even purchase loan applications showed a little life. Look for a strong start in February, 2 months earlier than the norm for home sales to start moving. Rates look to move higher in mid 2010 and may be there to stay... Contact your lender for more detailed information...
Personal Growth and Development
Why We Must Connect With Others
It is important to remember that we are human beings. And being human, it is important to realize that we are designed to connect with others. It is the separation of that design that removes the happiness and fulfillment that we all need. It is that connection that allows you to live The Good Life. It is not our calling to go about our lives focused only on what we do at work, and then try to fit our personal lives into the cracks of the day. Our capacity for love, affection, warmth, and friendship are rich and reliable sources of human happiness. The key is to transform the "I" and "U" in our lives into "We." Evolving our lives to a higher level allows us to cultivate a sense of belonging that brings rich rewards of human satisfaction, along with better physical, mental, and emotional health. The key is to connect with others. Connecting with the human race helps to strengthen the wider community and is vital to building a better you.
Restaurant of the Month: PEPPER'S CAFÉ
Pepper's American Cafe 2510 University Dr. S. Fargo, ND 58103 Phone: 701.232.2366 South Fargo
Fry diced bacon until done, add refried beans and cook slowly and stirrer frequently until the bacon and bacon drippings are mixed through about 15 minutes, remove from heat. Mix taco seasoning with sour cream and set aside. To built 9 layer dip place ingredients in this order. Place refried beans on serving platter spread out to 1- 1 1/2 inches thick. Then layer: 1/2 C shredded cheese, 1/2 C prepared sour cream, 3/4 C guacamole, diced tomatoes, diced cilantro, black olives, sliced green onion, and 1/4 C cheese for garnish Serve with chips..
Snow is soon upon us and inevitable! Keep up to date on your weather this season and visit: http://www.noaa.gov/
Also, if your looking for a few friends to go riding with? Check out http://www.claytrails.org/ for events, trail information, upcoming dates, and places to go riding!
Managing Your Debt - For Couples Being Married and Handling the Money by Carol Ann
Many times, one person in the relationship is primarily in charge of the finances, but it really should be a team effort. When a couple is not on the same page, it's extremely hard to reach any debt elimination goals, much less overall financial goals.
Getting married always brings sets of issues to the table, the biggest problem area can be the financial area. Lack of communication is generally the instigator for the problems to arise. So it's crucial that the communication stays open even if only one person is handling the normal processes, both need to know what's going on.
Now you may think that you are taking on all the financial responsibility by being the one who is shouldering the burden of paying the bills, however what you may truly be doing is making your spouse reliant on you. If your spouse is not aware of all the financial information, then if something happens to you, how will they go on? Will they know what bills are due and who to pay? Or will they even know which bank their money is in? If you think it's a protective measure to keep negative financial information from your partner, you're wrong; it's a good way of causing a problem. Even if money problems are all around, it's fair to let your spouse know what is happening in the household budgets. You don't have to talk about it every day but at least do an update once a quarter.
Communicating about the finances can take a couple of different paths. One way is to have separate bills and separate accounts, this works well for some. Another way is to have a book where the money coming and going can be noted, then the spouse can look at it and it doesn't have to be a daily discussion. The best scenario is for both partners to be engaged in the handling of financials whether they are negative or positive. Sharing information makes it a team effort so that everyone works toward the same goal. Prior to making any decisions regarding your ‘saving marriage' problems, visit www.LightYourFire.com. Their professionals can assist you in reviewing some marriage programs which would be helpful for you. Let www.LightYourFire.com show you the many ways they can find a solution to the issues.
Invest In Your Future - An Offer You Can't Refuse?
Many of us have heard the term "down-sizing." Down-sizing in corporations has taken its toll on the American worker. Many people, ranging in age from their late 40s to early 60s, now face very difficult employment decisions. In record numbers, employers in almost all industries are asking middle-aged, middle managers, to consider "early retirement." The offers may range from lucrative to paltry, but the decisions are difficult in almost every case. Let's review some of the factors to consider when evaluating one of these "offers you can't refuse." You must consider three levels of concern when contemplating retirement. First, you must consider the emotional aspects of an early retirement decision. It is possible, in fact probable, that you never considered retiring today. For many people, especially those in their 40s and early 50s, retirement is still a hazy goal, far off in the future. They may not have given any thought to what they will do during retirement, whether they will seek other employment or any of a myriad of other opportunities. The offer of early retirement can affect those who choose to stay with the company as well. Will they have the same, hopefully positive, feelings toward their employer and supervisor? Early retirement programs are often instituted by companies undergoing stressful and uncertain times. Staying around may seem almost as difficult as leaving. You may be unable or unwilling to make financial decisions until you confront these emotional and psychological issues.
The second level of concern is financial. Obviously, you have two choices: do I stay, or do I go? If you choose to stay, what is the financial health of the company? Should you take the money and run? If you stay, what are the prospects for career promotions and pay increases? Will staying merely postpone an inevitable career change, under perhaps less advantageous circumstances? Of course, leaving is also fraught with uncertainty. If you intend to pursue another position, many experts estimate that your job search will last about one month for every $10,000 in compensation paid by the former employer. Many early retirees become entrepreneurs, so the prospects for a new business and the need for start-up capital must be considered. When evaluating the retirement offer itself, there are also a variety of potential pitfalls. Health insurance is a major concern for many, so find out whether you will continue to be covered. Employers with defined benefit plans may be granting additional years of service or assuming early retirees are older than their actual age for purposes of computing their benefit. The employer may also offer some additional benefit to tide the employee over until age 62 when they can begin to collect Social Security.
The third level of concern consists of the tax issues that come into play. Numerous special rules may apply. For example, those who were at least 60 on January 1, 1996 may qualify to use ten-year forward averaging. Those who are 55 or older when they receive their retirement plan distribution are not subject to the 10 percent penalty. If you elect to pursue the substantially equal payment exception to the 10 percent penalty, the payments must continue for the longer of five years or turning age 59 ½.
Of course, this brief article is no substitute for a careful consideration of all of the advantages and disadvantages of this matter in light of your unique personal circumstances. Before implementing any significant tax or financial planning strategy, contact your financial planner, attorney or tax advisor as appropriate. Feel free to call me at 817-501-6950 any time.
Thank you for taking the time to read this months email. If you have any suggestions, questions, or input, please do so, as every month is just a little more interesting with your help!!!
Public Remarks: Just like new! Spacious Living w/Master bedroom w/master bath & large walk in closet, Central Air, Patio, & 3rd Room could be office or bedroom. No Steps & No Work with a $60 Monthly Association fee takes care of snow removal and lawn. Finally a resting place to hang your hat!
Public Remarks: Just Like New! Great lot with no backyard neighbors. Wonderful CuldeSac Location. Central Air, Large Cedar Deck, Fireplace, Vaulted Ceilings, Insulated garage. Take I94 Shortcut, it's 10 Minutes to Moorhead!
Roof: Conventional Shingle Foundation: Poured Lot Feat/Fld Plain: Cul-de-sac; Park Interior Amenities: Vault/Cathedral Clg; Jetted Tub Inclusions: Floor Covering; Garage Opener; Dishwasher; Disposal; Electric Range; Refrigerator Exterior Amenities: Wood Deck
Other Amenitites: Ceiling/Paddle Fans Other Rooms: Foyer; Formal Dining; Storage; Utility Room; Loft/Attic; Family Room Fireplace: Gas Heat System: GFA Air Conditioning: Central Water Heater: Electric
Public Remarks: Spacious home located on 6 Lots. House is in excellent condition w/New Carpet, 2 Detached Garages, Parking Slab, New Roof, Formal Dining Area, Beautiful Landscaping & bonus Fish Pond, all located on this nice Private area. Don't miss out on this Character home. Purchase this home with $0 Down / Rural Financing.
Anyone have any good listing sites for your clients homes for Free??? I am trying to find some extras besides here and a few others and just looking for a few more that I am unaware of. Any suggestions?
Hello, and welcome back for my usual Turkey to Christmas blog...
Always looking for ideas to spread to each other as we can only better ourselves by helping each other and 1 mind is less than many minds so here we go...
Whats a great seasonal gift to give past/future clients from here till Christmas time? I have sent out my yearly fridge calanders that always seem to be on there fridges at home. I just went through a GRI class and heard some more ideas, as one person sends out the HUD statement every year before Christmas to remind the people that they could save some money on there upcoming taxes, very clever!!! Another sent out bottles of wine door to door literally with there business card, and now its up to you my fellow AR friends to come up with some of the best inventive ideas out there, lets hear them!
Not to put a spoil to the party, but a clever old realtor told me frequency is a must and the pre-season marketing is now for next year, so thanks again to all and I wish you all a safe and Happy Turkey Day and a Merry Christmas to all, with a great New Years to come!
Public Remarks: Spacious home located on 6 Lots. House is in excellent condition w/New Carpet, 2 Detached Garages, Parking Slab, New Roof, Formal Dining Area, Beautiful Landscaping & bonus Fish Pond, all located on this nice Private area. Don't miss out on this Character home. Purchase this home with $0 Down / Rural Financing.
Dave Werth ABR GRI - Full Time Realtor for Fargo, Moorhead, Dilworth, Glyndon, West Fargo, Horace, Harwood, Hawley, Rural ND & MN. Licensed in ND & MN. First Time Home Buyer Educational Instructor
A Fargo Moorhead native for over 30+ years, Dave is a Fargo Moorhead "area" Real Estate Specialist. Dave Werth is a First Time Home Buyer Instructor with the Family Life Credit Services & The Village First Time Homebuyers Educational Classes and holds two positions on the First Time Home Buyers Advisory Committee. Dave just completed his ABR & GRI Education. Dave is currently seeking his ePro certification for his next required continuing education. Dave is a Real Estate Internet Specialist with current education in High Tech Marketing, Web Communication Tools, & Real Estate Internet Marketing. Dave is one of the highest qualified Buyers Agents in the Fargo Moorhead area.
Dave is one of Kvamme Real Estate's Top Producing Agents. Dave is licensed in North Dakota & Minnesota. Contact Dave for more information in regards to FirstTime Home Buyer Classes held in North Dakota & Minnesota. First Time Home Buyer Education offers Financial Assistance for First Time Homebuyers in ND & MN. You can contact Dave @ davew@kvammerealestate.com
Dave Werth is a Top Producing Real Estate Agent for the Fargo Moorhead West Fargo, and surrounding FM Area Real Estate. Dave was honored as one of twelve agents of 550 to recieve the Super Agent Award by The RRHG!
Daves Involvement in the Community
Dave has been very active giving his time in the Fargo Moorhead area community by helping give his time. In the past Dave had the chance to help out the community by coaching the Fargo All City Youth Hockey & Adult Novice Hockey League, as well as Dave's involvement with the Relay for Life, Make A Wish Foundation, Susan G. Komen Cancer Foundation, Family Life Credit Counseling Services & the FCA. Dave is the founder & Tournament Director of the First Time Homebuyer Charity Golf Scramble raising money for Family Life Credit Services a First Time Homebuyer Education Credit Counseling & First Time Home Buyer Educational Non Profit Organization, resulting in making the educational classes "free of charge!"
Dave is certainly proud of the area he grew up in, and certainly willing to give back to the Fargo Moorhead Community he grew up in! If you would like more information on any area things happening, Dave can get you that information!
www.NewRealEstateProperty.com
This is the Fargo Moorhead Area's Top Internet Source on searching, buying, and selling Fargo Moorhead area Homes and Real Estate with up to date listing information and detailed property MLS search capability! NewRealEstateProperty.com offers property information related to buying and selling homes for sale in Moorhead and Fargo..... and links for listing information about North and South Moorhead neighborhoods, Downtown Fargo businesses, West Fargo and Fargo Moorhead schools, house value, appraisals, taxes and special assessments, Cass and Clay County and FM area maps, mortgage financing in Fargo, buying tips, selling tips, relocation information for Fargo ND and Moorhead MN, and almost anything else related to living in or working the FM area. . Please see our links to Featured Listings, and Selling links. Find Fargo and Moorhead residential condos, condominiums, town homes, twin homes, investments, real estate and new construction properties marketed for sale and for rent by Top Fargo Moorhead Realtors, Kvamme Real Estate, VA, HUD, Multiple Listing (MLS), Owners (FSBO), Banks, Apartments Association, Commercial Agents, and Homebuilders.
Explore the communities of Fargo, Moorhead, West Fargo, Hawley, Glyndon, Harwood, Dilworth, Horace and Casselton, Kindred, Valley City, Lakes Area, North Dakota, and Minnesota, . Featuring extensive Fargo and Moorhead information links, consumer links, school information, free reports, answers to commonly asked real estate questions,
First Time Home buyer Loans and much more. If you're thinking about buying a home, attend The Home Buyer/Homebuyer Education Program. Plan now to attend home buyer educational classes for FREE, as the homebuyer education classes and individual financial counseling sessions are available at Family Life Credit Services and The Village. Contact Dave about a Home buyer Education class schedule, or email Dave for more information on Homebuyer Education Classes and schedules. Dave is an instructor for First Time Homebuyer Educational Programs.
Are You...... a First Home buyer Homebuyer? Curious about houses and prices in Fargo, North Dakota, and Moorhead Minnesota? Wanting to move into Fargo Moorhead (or find rural property)? Preparing your home to sell: what do you do to get ready to sell? Wondering about down payment, financing, closing costs, interest rates etc?...... Are you Transferring, Relocating, Comparing home prices in the Fargo ND area? Relocation, Relocation, Relocation...
Find MLS Properties / Homes For Sale / HUD Homes For Sale / Foreclosure Homes For Sale List and Sell Homes Faster with lower costs because I have hundreds of buyers using this website to find homes to buy in Fargo, 58102, 58103, 58104. 58105 Moorhead 56560, Dilworth, Hawley, Glyndon 56547, Hitterdal, Hendrum, Lake Park Audubon Audobon, Cormorant Lakes, Detroit Lakes, Sabin, Downer, Rollag, Vergus, Pelican Rapids, Felton, Georgetown, Perley, in Minnesota and West Fargo 58078, Mapleton 58059, Casselton 58012, Prosper, Gardner, Grandin, Argusville, Kindred 58051, Colfax, Christine, Davenport 58021, Leonard, Hillsboro 58045, Hope 58046, Page 58064, Arthur 58006, Absaraka 58002, Wheaton, Horace, Harwood, Hunter, Reiles Acres, Frontier, Prairie Rose, Amenia, Hickson, Oxbow, Minnesota and North Dakota.
Dave Werth works Evenings and Weekends as a FULL TIME REALTOR So call now. I want to help you find your way home. Thank you so much for your consideration! Search around my website for more information on; Buyer Agency Website: Find all Fargo Moorhead, West Fargo, CASS County and CLAY County Multiple Listing homes here! Find a dependable Buyer's Agent with Dave Werth! Guaranteed Satisfaction! Try Dave without any obligation! It's my job to help careful buyers into a home. I want to help!
Dave Werth is one of the Top Fargo Moorhead Buyer Agency Real Estate Agent with Professional and Confidential services & one of Kvamme Real Estate Top Producers....Kvamme Real Estate Realtorsare Members of the Home Builders Assoc, Graduates of the Realtors Institute, Certified Residential Specialists, Epro, ABR, Certified First Homes Specialists, & Fargo Moorhead Association of Realtors.....Specializing in Buyer Agency, Relocation, Investments, 1031 exchanges, New Construction, Residential Marketing. Homes for sale Fargo or Homes For Sale Moorhead or Homes For Sale Fargo Moorhead or Homes for Sale FM Rural Area, you need to go to: www.NewRealEstateProperty.com
HUD HOMES / HUD Reposessed Homes / HUD Foreclosures / HUD Homes for Sale Fargo / HUD Homes for Sale Moorhead
Dave Werth is a HUD specific Real Estate Agent. Dave is a Realtor for HUD & Foreclosure Properties and has been working exclusively with HUD & Foreclosure homes for a number of years and brings experience that you may not find with unexperienced agents. If you are interested in any HUD Homes or unlisted HUD Homes, foreclosure lists and property's, contact Dave for a showing. Dave is the exclusive Northwest Minnesota Territory Real Estate Agent for all HUD homes within a 100 mile radius of Fargo Moorhead area. The HUD northwest territory is from the border of East Grand Forks, to Mahnomen, to Bagley, to Detroit Lakes, to Ottertail County, to Breckenridge. If you would like a showing or any additional information in regards to HUD homes or HUD homes listed on Best Assets, contact Dave Werth 218-790-7653.
What about the area & Dave Werth?
Fargo Moorhead was the 2nd Fastest growing city in the United States in 2006. Fargo Moorhead was voted the #1 area to start a business in 2006. In 2009, Fargo Moorhead was one of the Fastest "Top 10" growing cities in the United States. Fargo Moorhead Real Estate continues to grow each day. Major areas of growth today are; South East Moorhead, the Osgood area by West Fargo, & rural Sabin, Glyndon, Dilworth, Barnesville, Mapleton, Casselton, and Horace. Rural Real Estate has become popular due to lower taxes & a very short commutes.
Would you like to know more about the North Dakota & Minnesota Homes For Sale, REPO, HUD Homes? The Fargo Moorhead Real Estate Market are clearly not affected by the National Real Estate Market. The Fargo Moorhead Real Estate values are holding there own as the average Home sold was 4% above market value or better. Minnesota Home appreciattion values are around 4-7% per year, with the National Average at negative 13%. The Fargo Moorhead area is a great start for everyone if you are looking to gain equity, start a family, first time homebuyer, low crime rate, and a number of additional positive things to say about the area. The FM area is one of the safest communities to live in for family's in the United States.
Specializing in the Fargo Moorhead area!
Dave specializes in the Fargo Moorhead West Fargo, Rural ND & MN, North Fargo, & Fargo Moorhead Rural communities. Dave is licensed in North Dakota & Minnesota giving him a wide area of Real Estate cities & communities to work with & a larger educational background holding two licenses in two seperate states. Dave Werth grew up in North Fargo, and has been around the Fargo Moorhead area for over 30+ years understanding the Real Estate Market very clearly. If you are buying or selling a home in North Dakota, Minnesota, Fargo, Moorhead, West Fargo, Dilworth, etc... or surrounding communities, trust in Dave's understanding & experience of the area he grew up in!
Dave will work with you over the internet to save you time & gas money! Dave is a Real Estate Internet Specialist with constant upgrading to help his clients become more aware of there options, opportunities, and save them on the bottom line. 93% of First Time Home Buyers, Home Buyers, & Sellers look online to there Real Estate needs. Dave understands this and his focus on marketing is 90% internet based. Dave lists his clients property's on 12 very active websites. 90% of Dave's Listings sold last year due to the internet, so why take a chance without the web or an agent that is not using the internet! Real Estate & Technology go hand in hand every day, so if your not working with a realtor that is active with internet marketing, you should really re-establish a "CONNECTION"!
Legal: L3 B1 Village Green 18th Fairway Public Remarks: Just like new! Spacious Living w/Master bedroom w/master bath & large walk in closet, Central Air, Patio, & 3rd Room could be office or bedroom. No Steps & No Work with a $60 Monthly Association fee takes care of snow removal and lawn. Finally a resting place to hang your hat! Private Remarks: VACANT GO SHOW!
Miscellaneous: FHA Approved; House Color: White ; Seller Disclosure Showing Instructions: Key: Lock Box; Lock Box Location: Front Door ; None - Go Show Possession: At Closing Master Bedroom/Bath: Private Bath; Walk-in Closet Garage: # Stalls Attached: 2
Legal: L14 B3 Centennial Addition Public Remarks: Just Like New! Great lot with no backyard neighbors. Wonderful CuldeSac Location. Central Air, Large Cedar Deck, Fireplace, Vaulted Ceilings, Insulated garage. Take I94 Shortcut, it's 10 Minutes to Moorhead! Fully Insulated Garage and Fully Finished Basement. This home is eligible for $0 down Rural Financing! Get into the home for basically no money down!
Roof: Conventional Shingle Foundation: Poured Lot Feat/Fld Plain: Cul-de-sac; Park Interior Amenities: Vault/Cathedral Clg; Jetted Tub Inclusions: Floor Covering; Garage Opener; Dishwasher; Disposal; Electric Range; Refrigerator Exterior Amenities: Wood Deck
Other Amenitites: Ceiling/Paddle Fans Other Rooms: Foyer; Formal Dining; Storage; Utility Room; Loft/Attic; Family Room Fireplace: Gas Heat System: GFA Air Conditioning: Central Water Heater: Electric
Room Name
Room Level
No. of Rooms
Room Remarks
Living Room
U
1
Bedroom
U
2
Bathroom
U
1
Patio/Deck
U
1
Kitchen
U
1
Dining Room
U
1
Room Name
Room Level
No. of Rooms
Room Remarks
Family Room
L
1
Bedroom
L
2
Bathroom
L
1
Utility Room
L
1
Laundry
L
1
Begin Date:
7/21/2009
End Date:
7/31/2010
Days On Market:
126
List Price:
165,900
Original List Price:
179,000
Status Change Date:
7/21/2009
LA: Dave Werth; (218)790-7653; davew@kvammerealestate.com
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.
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