SOLD by Friday!

SOLD by Friday! http://activerain.com/blogs/joelfriday Updates of the North Metro area of Minnesota, including Coon Rapids, Blaine, Andover, Anoka, Ramsey and surrounding cities. en-us http://activerain.com/blogsview/1325680/meadow-creek-saints-volleyball-section-4a-championship- Meadow Creek Saints Volleyball Section 4A Championship! <p>The place: Minnehaha Academy</p> <p>The time: 1pm 11-7-2009</p> <p>The teams: Meadow Creek vs Mayer Lutheran</p> <p>The stakes: Who goes to State?</p> <p>Minnehaha was rocking with the pep bands from Meadow Creek and Mayer Lutheran switching back and forth. Meadow Creek played after games 1 and 3 and Mayer played game 2 and 4 if necessary.</p> <p>Game one our Saints started off a little slow but quickly gained an edge in the match. The score was close throughout but our Ladies took game 1 25-22. Great start girls!</p> <p>Game 2 had Mayer Lutheran scoring the first 6 points. Our girls slowly fought back to even the score at 12. Then Mayer jumped out again. We fought back but Mayer ended up winning game 2 25-19.</p> <p>Game 3 was another closely fought battle with Mayer looking to take an edge in the match. Both teams were fighting hard for every point. The score was 20-18 when Meadow Creek checked in a player who had been on the bench for 3 weeks with an ankle sprain. She finished out the game serving 5 consecutive points and Meadow Creek had the edge once again!</p> <p>Game 4 and Mayer Lutheran looked like they weren't going out without a fight. They had some great kills and had the edge. Mayer won the game to force a decisive game 5 winning 25-19. State rides on the final game! The crowd from both teams were ready for a great finish!</p> <p>Game 5 was close throughout. Each point was critical. The fans were louder than ever. With the saints leading 13-12, Mayer had a kill go out, but wait, the up ref says Meadow Creek touched the ball. 13-13 game 5, what else could you ask for?</p> <p>Meadow Creek went on to win the last two points even though Mayer had several great spikes, Meadow Creek simply refused to let the ball hit the floor. Once again they fed off the opponents energy to catapult them to victory and to the Minnesota State High School tournament! Unbelievable! They have the hearts of champions and are ready to take on the top teams in the state!</p> <p>See you at the Xcel Energy Center Thursday! Don't miss it.</p> <p> </p> <p><img title="Meadow Creek Saints" src="http://activerain.com/image_store/uploads/3/5/4/9/7/ar125763764579453.JPG" height="600" alt="Section 4A Champions" width="800" /></p> <p>Our 8 seniors below!</p> <p><img title="Meadow Creek Saints" src="http://activerain.com/image_store/uploads/1/7/0/3/1/ar125763773913071.JPG" height="600" alt="Section 4A Champions" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 07 Nov 2009 17:52:55 -0600 http://activerain.com/blogsview/1325680/meadow-creek-saints-volleyball-section-4a-championship- http://activerain.com/blogsview/1323058/4a-sub-section-champions 4A Sub Section Champions <p>The first game of the night pitted #1 seed Southwest Christian against #2 seed Mayer Lutheran. Mayer Lutheran won the match 3-0. So now we know who we will face on Saturday if we get by Heritage Christian.</p> <p>Heritage came out strong and took an early lead in the first 2 games. Our Lady Saints just kept playing at a strong pace and limiting their own errors. The first game was won 25-15 by the Saints who were pounding the ball. In the 2nd game after trailing 6-2, we pulled even at 7 and then the match stayed even to 18 with every point being fought hard for. One last run by Meadow Creek proved too much for Heritage and the Saints won 25-20. 20 points was the most Heritage had managed in 5 games so far this year against our girls.</p> <p>The final game of the match was amazing. The Saints seemed to feed off the power of Heritage. As Heritage pounded harder, our Saints fought even harder. At one point Heritage had several spikes in a row and should have easily had the point, but we never let the ball hit the ground and made a few statement kills of our own. If they can manage to feed off of the oponents energy like this every game, they will be tough to beat again this year.</p> <p>The Saints ended up winning 25-18 to maove on to Saturday Section Finals at Minnehaha Academy 1pm. You'll want to be there to see them first hand. One of the Heritage parents said they were the best team they have played all year long. A nice compliment from a team who had only lost 5 games all season.</p> <p> </p> <p><img title="SubSection 4A Champions 2009" src="http://activerain.com/image_store/uploads/1/6/6/4/3/ar125751632234661.JPG" height="600" alt="Meadow Creek Saints Volleyball" width="800" /><img title="Great fans!" src="http://activerain.com/image_store/uploads/4/8/6/6/1/ar125751639816684.JPG" height="600" alt="Meadow Creek Saints Volleyball" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Fri, 06 Nov 2009 08:08:34 -0600 http://activerain.com/blogsview/1323058/4a-sub-section-champions http://activerain.com/blogsview/1319064/meadow-creek-saints-volleyball Meadow Creek Saints Volleyball <p>Well the first 2 games of sections went by without a hitch. The girls quickly took care of Minneapolis Edison in 3 games. Last night West Lutheran came out and looked better than Edison, but we dropped them in 3 as well. Therese was able to use all of her bench in both sets and still maintain an edge over the competition.</p> <p>Thursday night the sub-section Championship will be held at West Lutheran in Plymouth. Southwest Christian will face Mayer Lutheran at 6 and Our Lady Saints will take on Heritage Christian at 8 pm. SHould be some great volleyball so be sure to come out and cheer on our Saints!</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Wed, 04 Nov 2009 07:45:50 -0600 http://activerain.com/blogsview/1319064/meadow-creek-saints-volleyball http://activerain.com/blogsview/1316095/highway-10-bottleneck-gone- Highway 10 bottleneck gone! <p>The so called redneck bottleneck will be no more after today! The construction on Highway 10 in Coon Rapids should finish up this week. The project extended the 3rd lane from Foley to Hanson Blvd. with the west bound lane becoming the Hanson exit only lane. On the eastbound side the third lane starts as Hanson traffic enters the freeway. The redneck bottleneck was formed when Highway was completed through Blaine. This allowed 3 lanes from 10, 2 lanes from Highway 47 and one lane from the 610 bridge to combine into 2 lanes in about one mile.</p> <p>The bridge replacement over the single line railroad track to Duluth extended the construction from March to November. Now that the bridge is done all lanes of the new construction opened east bound today and west bound should follow soon. The usual after work still needs to be completed including striping, landscaping and the cable median.</p> <p>Here are some picturs of the work zone.</p> <p><img title="Median work to be done yet" src="http://activerain.com/image_store/uploads/6/2/8/1/6/ar125719439961826.JPG" height="600" alt="Highway 10 east bound in Coon Rapids" width="800" /><img title="Almost done" src="http://activerain.com/image_store/uploads/5/8/1/4/7/ar125719427974185.JPG" height="600" alt="Highway 10 west bound in Coon Rapids" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Mon, 02 Nov 2009 14:42:10 -0600 http://activerain.com/blogsview/1316095/highway-10-bottleneck-gone- http://activerain.com/blogsview/1295790/the-battle-for-the-paddle-iv- The Battle for the Paddle IV! <p>This is the 4th year of the "Battle for the Paddle", this year at Crown College. The winner of this epic battle wins the MCAA conference title in Volleyball, at least that is the way it has worked out. It is actually just the final regular season game and Meadow Creek and Southwest Christian have shown up each year with no losses. Southwest won the first and last battle with Meadow Creek winning the 2nd. Meadow Creek went to state the first year and Southwest went to state last year. Let the battle begin!</p> <p>The first game SW takes an early lead, something they accomplish in each game of the set. Meadow Creek had brought a bus load of fans down to the game along with their former coach and players of years past. SW being home, had a huge number of students show up for the game. The place was loud! Meadow Creek slowly creepd back into the game and took the lead by 8. Meadow Creek kept pounding the ball and SW kept answering but eventually wore down with Meadow Creek taking the first game 25-18.</p> <p>In the second game again Meadow Creek had to overcome SW's early lead. This time, this game however set the tone for the match as Meadow Creek blew past them and won decisevly 25-14. The paddle seemed as if it would find its way back to Andover.</p> <p>The third game was back and forth the whole way. Tied at 19, Meadow Creek called a time out and took the next 2 points. SW used a time out and clawed back to being down one at 23-22. Meadow Creek had two amazing kills to end the game completing the sweep. SW had brought a canoe and the Meadow Creek fans padled it out onto the court. Then they rushed the team and swarmed them on the bench. The paddle is back at the Creek! Way to go Lady Saints!</p> <p>Both teams joined hands at the net after the game giving thanks to the Lord!</p> <p>Which team is heading to state? Bring on sections and stay tuned.</p> <p> </p> <p>Joel Friday</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Wed, 21 Oct 2009 09:32:41 -0500 http://activerain.com/blogsview/1295790/the-battle-for-the-paddle-iv- http://activerain.com/blogsview/1289656/open-in-st-louis-park Open in St Louis Park <p>Make sure you stop by and see this great new listing in St. Louis Park next Saturday the 24th of October. This home has been well maintained by the current owners and sits on a rare triple lot high off the street in the first Alphabet. Close to the Lakes, Minnehaha Creek, great shopping, Uptown and is 2 blocks from a non stop bus ride to downtown Minneapolis.</p> <p>Hardwood floors throughout the home, pride in ownership in every detail. 2 fireplaces to keep you cozy on cool nights. Towering pines, huge oaks and fabulous perennials surround this cottage. Coved ceilings and entryways. This will be the place you will call home!</p> <p>Deck off dining area extends entertaining to back yard. Large room in lower level with bar for entertaining guests. Custom stone patio installed in backyard 2 garages, 1 attached to home and 1 detached in alley.</p> <p>What are you waiting for, call me now for a private showing or come to the open house on the 24th.</p> <p> </p> <p>Joel Friday Homes</p> <p>612-868-6287</p> <p><a href="http://joelfridayhomes.com/3248/3248.html" title="3248 Xenwood Ave South" target="_blank">Virtual Tour</a></p> <p><img title="Your next home!" src="http://activerain.com/image_store/uploads/2/9/3/2/8/ar125579525682392.JPG" height="600" alt="3248 Xenwood Ave S St Louis Park, MN 55416" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 17 Oct 2009 11:03:45 -0500 http://activerain.com/blogsview/1289656/open-in-st-louis-park http://activerain.com/blogsview/1289637/meadow-creek-saints-volleyball Meadow Creek Saints Volleyball <p>Wow! 1st place in the Mora invitational. The girls did a great job in winning this tournament. They quickly dispatched St Cloud Apollo, then Pillager. North Branch in the semi finals was not able to keep up with our team. Finally it was Maple Lake in the finals. The first game was won by 2 points and the battle continued into the 2nd game. That one was also 25-23 giving the Lady Saints their first tourney win of the season ad priming them for a long run to state.</p> <p> </p> <p>Orono came to our court on Tuesday the 13th. This was senior night and the last regular season home game for our 8 seniors. The girls played them tough and took all 3 games of the set, even while mixing in the younger girls on the team.</p> <p> </p> <p>Next uo, the "Battle for the paddle!" Let's bring the paddle home again ladies!</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 17 Oct 2009 10:50:46 -0500 http://activerain.com/blogsview/1289637/meadow-creek-saints-volleyball http://activerain.com/blogsview/1276867/meadow-creek-saints-volleyball Meadow Creek Saints Volleyball <p>This is the year for Meadow Creek Saint's 8 senior Volleyball players. They have been playing together at the Varsity level since 8th grade, when they formed the first B squad in Meadow Creek's history. They just knocked off both Champlin Park and Maple Grove last week and started conference play against New Life Academy at home with a win. Here are some other highlights for the year. I will update this blog as the season progresses through the State Tourney.</p> <p>The girls stunned Heritage in a blowout and probably their best played game ever. There wasn't hardly a spike that didn't go uncontested. Every spike was hard, the sets were great. Deep serves kept Heritage off balance all night and they never built up any momentum. This was Heritage's first conference loss of the year.</p> <p>Bethel Showcase!</p> <p>The girls started out slow and never recovered against Leroy Ostrander in the first match of the Class A Showcase at Bethel. They came out hot in this game and never looked back winning decisively in both games against Buffalo Lake Hector. Nice turnaround ladies! In the closest match of the night, our girls pulled off two 2 point victories against Bertha Hewitt. Both games came down to the wire and the girls never relented to the pressure. In a strange twist, Bertha Hewitt received the 2nd place nod over us on point differential. We ended up 3rd in the pool and play tomorrow in the lower bracket.  Underwood beat us here last year and caught us flat footed in the first game. We took over in the 2nd game with a nice win to keep the match alive and then thumped Underwood 15-2 in the third game of the match. Onto the 9th place game! Again we came out a little soft in the first game and didn't start the second very either, trailing 14-8 when Therese called a timeout. We then went on to a 17-7 run to win the game. The 3rd game was close but Nevis beat us in the end. Great tourney girls! We finished 4-2 and 10th place against some very competitive teams.</p> <p>Apple Valley Tourney.</p> <p>The team went out and beat the first team we faced and then drew Apple Valley in the 2nd match. Apple Valley had a great attack and we never quite matched their intensity. In the 3rd game we played Minneota. We lost a close game in the first set and then lost a player to an ankle sprain in the 2nd game and didn't pick up the pace enough to keep even with thwm. The final game was against Maple Grove and we played even with them and brought it up a notch to win both games in the end to finish 7th place.</p> <p>Last night we played Providence Academy and won in three. Mora tourney this weekend!</p> <p>Keep up the energy girls and finish the year strong!</p> <p><img title="2009 Varsity team" src="http://activerain.com/image_store/uploads/8/3/0/6/1/ar125510033516038.JPG" height="600" alt="Meadow Creek Saints Volleyball" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Fri, 09 Oct 2009 10:00:27 -0500 http://activerain.com/blogsview/1276867/meadow-creek-saints-volleyball http://activerain.com/blogsview/1264253/mortgage-delinquencies-the-coming-storm Mortgage Delinquencies - The Coming Storm <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1262848/mortgage-delinquencies-the-coming-storm">Jeff Geoghan MBA - Lancaster PA Real Estate Expert (The Jeff Geoghan Realty Group, Coldwell Banker Lancaster PA)</a></b>:<br/><blockquote><p>This is one of those posts where I wish I didn't have to write it, but felt <strong>it was so important</strong> to my readers that I would be remiss not to at least talk about it.</p> <p>Everyone out there probably knows somebody who is behind on their mortgage payments, looking for alternatives and likely also just finding out that their home's value has dipped below what their loan amount is.  I know some within my own personal circles. <strong> It's a tough situation for me to advise them</strong> as a professional because it's such a personal challenge to their pride and self-worth, not to mention their plans and dreams for the family. The question we're asking is "when is this going to stop and where are we heading?"</p> <p>I'm going to put up a few graphs that show the trends nationally with regards to mortgage delinquincies:</p> <p><img title="Mortgage delinquency rates" src="http://activerain.com/image_store/uploads/3/6/9/9/5/ar125432506859963.jpg" height="369" alt="Lancaster PA foreclosures, Lancaster County Mortgage, Delinquencies" width="622" /></p> <p>This chart is by quarter - Single-family mortgages set a new record delinquency rate in the second quarter of 2009, according to a quarterly survey by the Mortgage Bankers Association. Those of us in the real estate business see the foreclosure process (just visit the local Sheriff Sale docket to see the current numbers) but the looming delinqency-to-foreclosure issue is far, far larger.</p> <p>The Wall Street Journal on 8/3/09 reported the following quote: “While subprime mortgages sparked the first round of housing problems two years ago, now "troubles are lurking further up the food chain," says Joshua Shapiro, chief U.S. economist at MFR Inc. <strong>White-collar job losses have accelerated while more adjustable-rate loans to prime borrowers are resetting to higher payments.</strong>  ‘You put all that together, it leads me to believe that the next leg down on home prices is going to come from the top,’ he says.”</p> <p>The first objection someone may have would be to say "yes, but historically those who are delinqent usually get their act together and come current on the mortgage after a while".  That WAS true, but not anymore!  We call that the <span style="text-decoration: underline;"><strong>"Cure Rate"</strong></span>, that is the rate of delinquencies that go back to current.  The Wall Street Journal reported on 8/24/09 about a Fitch analysis that found that <strong>the Cure Rate from 2000-2006 was 45%</strong> (which means about half of people fix their delinquency).  However, <strong>as of July 2009 the rate had dropped to just 6.6%</strong>!  That means that over 90% of delinquent customers are going to foreclosure.  Take a look again at the above chart...</p> <p>The next thing someone will say is "well, that's the 'sand states' and not my area".  Here's the chart for all 50 states showing the same breakdown of delinquencies and foreclosures.  Guess what - <strong>most states have a significant problem</strong>, especially compared to historical figures.</p> <p><img title="Mortgage delinquency rates by state" src="http://activerain.com/image_store/uploads/4/6/7/1/4/ar125432516041764.jpg" height="403" alt="Lancaster PA foreclosures, Lancaster County Mortgage, Delinquencies" width="620" /></p> <p>Now the next thing someone may say is <strong>"aren't those loans going to get 'fixed' by a loan modification?"</strong>  I know several people right now who are applying for a Lancaster County loan modification but are waiting and waiting.  I hope it works out for them...</p> <p><strong>In reality, loan modifications are hardly making a dent.</strong>  To me, that's a burning question.  Why arent banks being more aggressive in giving customers the option to extend their loan and/or reset to a lower rate?  Why are they being SO difficult? The people I know don't want to be foreclosed.  They CAN make payments.  They just need the terms redrawn to allow them to catch & keep up.  Loan modifications are not helping us get this crisis under control.</p> <p><img title="Lancaster County loan mod modifications PA" src="http://activerain.com/image_store/uploads/1/4/4/0/6/ar125432520360441.jpg" height="485" alt="Lancaster PA foreclosures, Lancaster County Mortgage, Delinquencies" width="593" /></p> <p>What are the causes of all these delinquencies?  Here's a chart that is enlightening:</p> <p><img src="http://activerain.com/image_store/uploads/7/2/5/2/9/ar125432676092527.jpg" height="455" alt="" width="639" /></p> <p>We hear a lot about adjustable rate mortgages being the culprit, but the reality is that <strong>it's the loss of jobs and the tanking real estate market</strong> that's the perfect storm.  See my <a href="http://activerain.com/blogsview/1261424/unemployment-in-lancaster-county-vs-pennsylvania-the-us" title="Lancaster County PA unemployment" target="_blank">previous post on unemployment in the nation, the state and Lancaster County.</a></p> <p>Keep in mind, this post is not intended to give us "good news".  You may be experiencing good things in your market and that's great.  <strong>My intent is to get us thinking about the challenges</strong> that aren't going away and how we're going to address them as homeowners, agents and professionals.  I'd love to hear your ideas!</p> <p> </p> <p> </p></blockquote></div><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Thu, 01 Oct 2009 09:16:58 -0500 http://activerain.com/blogsview/1264253/mortgage-delinquencies-the-coming-storm http://activerain.com/blogsview/1230922/historic-hand-split-stone-home-in-askov-mn Historic Hand Split Stone Home in Askov, MN <p>OK, to answer your first question, where is Askov Minnesota, Askov sits on scenic state highway 23 which makes a great alternative to I-35 on your way to Duluth or other spots on the North Shore of Lake Superior. Take the Banning Junction exit north of Hinckley and Askov is about 5 miles east. Askov has a Danish heritage seen in everything from the sign at the edge of town to the street names, which are in both Danish and English.</p> <p>Now for your second question, what is a hand split stone home? This particular home was built on Ferndale St, aka Bregnedalgade, on a truck farm that sold ferns nationwide. The owner asked his truckers to grab cool looking boulders where ever they were and throw them on the truck. He then hand split each stone and built a home that even the big bad wolf couldn't blow down. Above the windows he used a mirroring technique with the stones. This technique allowed the stone halves to be placed opposite one another ( see picture below).</p> <p>This home built in 1942, still has much of its original charm including hard wood floors, knotty pine woodwork, a stone fireplace (of course) and stone siding around the entire home. This home is featured on oldhouses.com, trulia, realtor.com and point2homes.com. What is truly amazing is you can own this unique piece of history for less than $130,000. Stop by our open house as the owner is baking her famous cookies on September 26th 12-3 pm.</p> <p> </p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p>Joel Friday Homes</p> <p>http://JoelFridayHomes.com<img title="Charming home" src="http://activerain.com/image_store/uploads/1/2/6/5/6/ar125251214865621.JPG" height="600" alt="Stone home" width="800" /><img title="mirrored stones" src="http://activerain.com/image_store/uploads/7/5/6/7/2/ar125251222227657.JPG" height="600" alt="mirror technique" width="800" /><img title="Askov, the danish city" src="http://activerain.com/image_store/uploads/3/8/1/9/3/ar125251230039183.JPG" height="600" alt="Danish street names" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Wed, 09 Sep 2009 11:07:45 -0500 http://activerain.com/blogsview/1230922/historic-hand-split-stone-home-in-askov-mn http://activerain.com/blogsview/1200032/what-happens-when-a-lender-can-t-produce-the-original-note- What happens when a lender can’t produce the original note? <p></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1199543/what-happens-when-a-lender-can-t-produce-the-original-note-">Rick Misitano (Law Offices of James M. Bosco & Associates)</a></b>:<br/><blockquote><p class="MsoNormal">A growing number of homeowners around the country are using a foreclosure defense that may help them retain their homes. It’s called <strong><span style="text-decoration: underline;">“Produce the Note”</span></strong> and we want you to know this is not a mere technicality that should be treated lightly by the lender or by the Court.<br /> <br /> <strong><span style="text-decoration: underline;">Everyone needs to understand the importance of this issue.</span></strong> When a lender can’t produce the original note, allowing a foreclosure to proceed puts the homeowner at risk of owing that debt again to another party in the future. Therefore, great caution must be taken before a judge can allow someone who can’t produce the original note to cash in on your home.<br /> <br /> What if Your Lender CAN’T Produce the Note?<br /> <br /> So, what happens when the lender tells the Court it can’t produce the original note, because it is lost? Let’s start with the basics. If a lender wants to foreclose on a property, it has to be able to show that it is, in fact, the appropriate person to whom the money is owed. That right to foreclose belongs <strong>ONLY</strong> to the person who has legitimate <strong>POSSESSION OF THE ORIGINAL NOTE</strong> - not a copy, not an electronic entry, but the original note itself with the original signature of the person(s) who allegedly owes the money along with appropriate raised notary seal and signature. So, if you are faced with a foreclosure, you have every right to demand that the person or entity trying to take your property, first prove to the Court that they have the legal right do to so in the first place by proving they have legal possession of the original promissory note.<br /> <br /> In my opinion, an original mortgage note is much like legal tender and should be guarded and protected as such by the person holding such an asset. Loosing an original mortgage note is like loosing a $100 bill or a gift card or a lottery ticket. What if I scratched that million dollar ticket and just stuck it somewhere and misplaced it? Do you think I could just show up at lottery headquarters and claim my prize without having the winning ticket? The same principle applies to the person or entity claiming to be the legal holder of an original mortgage note. He who holds the note holds the key. <br /> <br /> What the Lender Must Do<br /> <br /> What often happens, however, is that the lender claims it doesn’t have the original note, because that note has been lost or destroyed. If the lender is making such a claim, the law requires the lender to prove all of the following under the “Uniform Commercial Code”, which is a set of laws governing commercial transactions that many states have adopted. It contains a specific provision on this subject (Section 3-309) which states that a person can enforce a promissory note without having the original, BUT only under certain limited circumstances. <br /> <br /> 1. The person or entity has to swear and attest that it no longer has the original note;<br /> 2. The person or entity has to prove that it was properly in possession of the note and was entitled to enforce it WHEN it lost possession of the note;<br /> 3. The person or entity has to prove it didn’t “lose” possession simply because it transferred the note to someone else (i.e., it’s not really lost); and<br /> 4. The person or entity has to prove that it cannot produce the original note because the instrument was destroyed or its whereabouts cannot be determined or it was stolen by someone who had no right to it.<br /> <br /> All of these matters have to be <span style="text-decoration: underline;">definitively</span> proven by the person or entity trying to foreclose on the property. It is not the obligation of the borrower to prove or disprove any of this. The borrower can challenge the right of the person or entity trying to foreclose and demand proof.<br /> <br /> The Court’s Important Role<br /> <br /> It is up to the Court to determine whether the lender has satisfactorily proven why it no longer can produce the original note. The Court also has to be satisfied that when the original note was lost, the person trying to foreclose on the property had possession of the note at the time it was lost. Until the Court has been satisfied of all of this, the foreclosure cannot proceed.<br /> <br /> It is also important for the Court itself to understand that this issue is not merely a “technicality” and the judge should not be satisfied with anything less than full proof of this issue. The Court itself needs to appreciate the fact that if it should agree that an original note has been legitimately lost (and allows the foreclosure to proceed) it is the borrower who is still at risk.<br /> <br /> Why? Because incredibly, even if a Court has found that the original note is lost and the foreclosure sale is finalized, if someone later turns up with the original note and proves that it is the proper holder of the note, and not the person who foreclosed on the property, the original borrower is <strong>STILL LIABLE</strong>.</p> <p class="MsoNormal">That’s right. Someone took your home and the Court allowed it because it believed that the lender proved that the note was lost and it was the proper party. Then someone legitimate shows up in the future with the actual note and you still owe that person the money even though your property was taken with the blessing of the Court. <strong><span style="text-decoration: underline;">Trust me, this is a very serious issue regarding post foreclosures and post pre-foreclosure short-sales.</span></strong> It has happened to three of our own clients! These homeowners had the need to sell their property by means of a negotiated short-sale (so they could avoid a foreclosure) only to find out that the entity claiming to have the legal right and authority to enter into such negotiations and accept such settlements sold their note to another entity and <span style="text-decoration: underline;">weren’t even aware of it.</span> Several months later, the newly assigned lenders (now claiming to be the rightful owners of our client’s original notes) have since come forward and have also filed suite seeking to recover their entire outstanding principle balances owed to them (prior to the homeowners closing their short-sale transactions with the wrong note holders).</p> <p class="MsoNormal">How fair is that?!?! It’s not! And that’s why homeowners need to start fighting back when someone is trying to take their home by foreclosure, especially since an overwhelming percentage of mortgages granted over the last 3 to 5 years have been packaged into securities and re-sold and re-assigned numerous times since the inception of the borrower's original note and mortgage. In some states, homeowners have better than a 50/50 chance of being successful in defending themselves against a completed foreclosure. Why wouldn’t anyone who owns a home do everything in their power to protect and defend it? <br /> <br /> All the Best,<br /> <br /> Rick D. Misitano, Senior Paralegal<br /> Law Offices of James M. Bosco & Associates<br /> Methuen Executive Park<br /> 240 Pleasant Street<br /> Methuen, Massachusetts 01844<br /> Phone: (978) 687-8804<br /> Fax: (978) 687-8872<br /> boscolaw@comcast.net</p></blockquote></div><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Tue, 18 Aug 2009 08:33:47 -0500 http://activerain.com/blogsview/1200032/what-happens-when-a-lender-can-t-produce-the-original-note- http://activerain.com/blogsview/1189551/parade-of-homes Parade of Homes <p>Here in the Twin Cities they run a "Parade of Homes" each fall to showcase new homes and their builders. Recently I have noticed a new form of the Parade. A lof of the banks in our area are listings homes below market value and generating 10-20 offers within days of the home being on the market. So what happens is the home is listed for $59,000, even though the market might $80,000 on the home. Then you literally get tons of showings and multiple offers almost instantly.</p> <p>As an example there were 2 homes in Anoka, MN that were listed. One listed for $90,000 and the other listed for $59,000. My client had an ionterest in both homes due to location. The first home we offered $105,000 after hearing there were multiple offers and seeing a line of cars waiting to see the home (The Parade). We lost out on that home by $15,000. On the second attempt, we were one of 16 offers and bid $85,000 plus closing costs and lost out by $1,000.</p> <p>This trend is growing here in the Twin Cities and a lot of the bidders are all cash investors. Just curios if you are seeing this in you rmarkets.</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Mon, 10 Aug 2009 11:57:12 -0500 http://activerain.com/blogsview/1189551/parade-of-homes http://activerain.com/blogsview/1067961/stunning-80-acre-retreat-in-willow-river- Stunning 80 acre retreat in Willow River. <p>At first glance you say, another 80 acre property up north but, as soon as you pull int the driveway, you notice something different. Rolling terrain with towering pines, bright white birch, stately oaks, and then a spring fed pond. Then you see the home, cedar shakes and siding, a screen porch along the entire west side, a deck off the loft bedroom above the porch, and a patio below from the walkout basement all facing the pond. Upon entering the home there is a mud room and stairs to the basement. Around the corner the kitchen greets you with a cathedral ceiling, tongue and groove aspen woodwork harvested from the land. Beyond that you see oak hardwood floors and a pot belly stove in the wide open living area. The screen porch is right behing 3 huge sliding doors that allow great scenes from outside to be right there in front of you.</p> <p>Once you have explored the main level with 2 bedrooms including the master with a bathroom and sliding door, you notice the winding stair case to the loft. You quickly race up the stairs to see what is up there and discover a huge area that can be used as a bedroom or a family room. Another sliding door takes you to the balcony over the porch. Your view includes fantastic sunsets, deer coming down for water from the pond and abundant wildlife. There is also a huge walk in closet or play room. The smell of bacon and coffee will make getting up a memorable experience.</p> <p>The lower level awaits your ideas as it is wide open and has two more sliding doors that open to the patio below the porch. Time for a leisurely stroll around your new home. The trails wind throughout the hills, forest, wetlands and you take even more wildlife. There are a few tree stands for hunting or bird watching that are well marked. There is even a 5 acre pasture for Elk, which you could also use for cattle or horses. A large pole barn and 3 car garage are just the start of your storage area as there are several additonal out buildings scattered throughout the acreage.</p> <p>Time for fishing or boating, Long Lake is just around the corner as is the Kettle River. The Willard Munger State Trail is only a mile away. Hinckley is around 20 miles to the south and Duluth is now less than an hour away. There are also several state parks in the area including Banning State Park with an old rock quarry that is very scenic.</p> <p>For more details check out the links below or give me a call to come and see this stunning 80 acre retreat that can be lived in year round.</p> <p>This could be your</p> <p>"HOME By Friday!"</p> <p><a href="http://JoelFridayHomes.com/2603/2603.html" title="Virtual Tour" target="_blank">http://HomebyFriday.com</a></p> <p>Joel Friday Homes      612-868-6287</p> <p> </p> <p><img title="Stunning 80 acre retreat" src="http://activerain.com/image_store/uploads/9/3/9/8/1/ar124179132618939.JPG" height="600" alt="Your next home" width="800" /><img title="Scene from home" src="http://activerain.com/image_store/uploads/5/5/0/1/9/ar12417914391055.JPG" height="600" alt="Spring fed pond" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Fri, 08 May 2009 09:08:19 -0500 http://activerain.com/blogsview/1067961/stunning-80-acre-retreat-in-willow-river- http://activerain.com/blogsview/1038325/what-happened-to-realtor-s-basic-honesty- What happened to Realtor's basic honesty? <p>How does one explain to a client where the supposed 3rd bedroom is in a home? Sure the listing agent conveniently hides the non conforming bedroom in the agent notes. I can explain this to my client when a closet is not there and most will understand. But I have show a few homes lately where the 4th wall is missing along with no door. As a matter of fact it is part of the family room.</p> <p>About a year ago on 60 minutes or 20/20, there was an agent who claimed he sold his listings in an average of 21 days. The reporter went on to discover that he simply relisted the homes every 90 days. The agent actually bragged about this deceitful practice on the air and admitted this is how his time on market numbers were so low.</p> <p>Our code of ethics states we must treat everyone with honesty, whether or not they are our clients. Advertising a home with 3 bedrooms when it only has 2 wastes everyones time. Looking back at the home the dining room and living room were also nonconforming bedrooms too. I guess they should have called it a 5 bedroom. And yes I can see the market history on the MLS but, home owners can't. We need to live up to the code of ethics we signed when we became Realtors.</p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p>Joel Friday</p> <p>http://JoelFridayHomes.com</p> <p> </p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Fri, 17 Apr 2009 09:35:33 -0500 http://activerain.com/blogsview/1038325/what-happened-to-realtor-s-basic-honesty- http://activerain.com/blogsview/1032322/perfect-time-to-buy- Perfect time to buy! <p>Right now is a great time to buy. Here are a few reasons to consider buying over renting.</p> <p>Renters simply pay the mortgage for the owner.</p> <p>Below 5% money for your mortgage, this won't last forever.</p> <p>Really good buys on homes right now in every price range.</p> <p>5% cash and you can qualify for FHA mortgage.</p> <p>$8000 tax credit expires in December.</p> <p>That amounts to $750 per month making most of your first years payments.</p> <p>Payments can be lower than rent, plus you can deduct the interest paid, which lowers your tax bill.</p> <p>I can find your</p> <p><strong>"HOME by Friday!" </strong></p> <p>Let me know what you want in a home and I will gladly help you find a home.</p> <p>612-868-6287</p> <p>http://HomeByFriday.com</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Mon, 13 Apr 2009 13:35:40 -0500 http://activerain.com/blogsview/1032322/perfect-time-to-buy- http://activerain.com/blogsview/981442/uniquely-charming-home-on-the-edge-of-a-200-acre-nature-preserve Uniquely charming home on the edge of a 200 acre nature preserve <p>This is a perefect chance to buy this home with a fantastic yard, hardwood floors, lofted master suite with whirlpool tub. Two tiered deck on the back for picture perfect sunsets every night or you can watch the kids playing on the play ground. Huge windows on the west allow daylight to come into your living and dining room. Gas fireplace in the family room is perfect for those cold nights or fire up the sauna and melt your troubles away. You are far enough away from the city to see the stars at night, yet just minutes from downtown via highway 65.</p> <p>The up north charm of rough sawn wood and exposed wood beams make you feel right at home. Insulated 2 car garage is great for your handy work and you have over an acre to call your own. The nature trail start just down the block for an evening stroll or bird watching. No homes are in your back yard for extra privacy.</p> <p>What are you waiting for? Call me now for an appointment before this home is gone.</p> <p> </p> <p><a href="http://joelfridayhomes.com/16824/16824.html" title="Virtual Tour" target="_blank">Virtual tour link</a></p> <p> </p> <p>Joel Friday Homes</p> <p>This could be your</p> <p>"HOME by Friday!"</p> <p>612-868-6287</p> <p><img title="Great living area!" src="http://activerain.com/image_store/uploads/4/8/3/7/6/ar123695546967384.jpg" height="600" alt="View from loft" width="800" /><img title="Welcome Home!" src="http://activerain.com/image_store/uploads/4/6/6/8/6/ar123695555468664.jpg" height="600" alt="Home from the back" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Fri, 13 Mar 2009 09:49:04 -0500 http://activerain.com/blogsview/981442/uniquely-charming-home-on-the-edge-of-a-200-acre-nature-preserve http://activerain.com/blogsview/960660/a-great-loss-for-coon-rapids A great loss for Coon Rapids <p>Coon Rapids lost an icon during the last week. Have you heard of her before? If you have ever been to Crooked Lake Park or even the beach years ago, you most likely know to whom this story is about. The little store that almost goes unnoticed as you play at the park or drive by on your way home. The road that passes by once was a busy county road, now only the local traffic passes by. If you ventured in this 15 x 15 foot store you could quickly find what ever it was you wanted. If you brought a credit card or forgot your cash, you were instantly given credit by the clerk and owner. Could a place like this really exist in 2009? Indeed it did but, sadly Millie Buzzelli died recently.</p> <p>Millie's husband Ted opened the store back in 1936 to serve Crooked Lake Beach in Coon Rapids, MN. My first visit came when I was still a kid enjoying the beach around 1976 grabbing some ice cream. My last visit was last summer on a bike ride through our neighborhood getting food for my next breakfast. The family isn't sure if they will continue this legacy but the community will certainly miss Millie.</p> <p> </p> <p><img title="Coon Rapids icon" src="http://activerain.com/image_store/uploads/9/0/8/5/1/ar12359588015809.jpg" height="420" alt="Ted's Store" width="604" /></p> <p> </p> <p>Local TV news coverage</p> <p>http://www.kare11.com/news/news_article.aspx?storyid=540571</p> <p>And of course a fabebook group, even though Millie probably never visited the site.</p> <p>http://www.facebook.com/home.php?ref=home#/group.php?gid=58058851559</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sun, 01 Mar 2009 20:02:18 -0600 http://activerain.com/blogsview/960660/a-great-loss-for-coon-rapids http://activerain.com/blogsview/942453/hidden-gem-in-champlin Hidden Gem in Champlin <p>Buona Sera is a restaurant you may have driven by several times and never known it is there. The building is not much larger than the homes in the area and other than a parking lot and small sign, you might think it is a home. The location is West River Road and Douglas Drive in Champlin, MN.</p> <p>Inside you will find a family dining place seldom seen in Minnesota. The Italian food is very good and the chef may even stop by your table. We saw the owner greeting guests with his 4 year old grandson at his side. The service was great, they even spent extra time helping us to select a wine to make our Valentine's meal extra special.</p> <p>Make your next occassion extra special by stopping into this great restaurant.</p> <p>I will help you find a</p> <p>"Home by Friday!"</p> <p>Joel Friday Homes</p> <p>HomeByFriday.com</p> <p> </p> <h3> <div> <h4></h4> </div> </h3><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Thu, 19 Feb 2009 11:11:08 -0600 http://activerain.com/blogsview/942453/hidden-gem-in-champlin http://activerain.com/blogsview/941630/-8000-for-first-time-home-buyers-available-now- $8000 for first time home buyers available now! <p>The new stimulus bill has a $8000 credit for first time or new buyers who haven't owned in 3 years or more. This credit is taken after the purchase so may be used for improvements or paying back Mom and Pop for the down payment they borrowed you. This is a great deal and with low prices and interest rates, you may never find a more affordable time to buy.</p> <p> </p> <p>Go to HomeByFriday.com to start your search or email me at joel@joelfridayhomes.com.</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Wed, 18 Feb 2009 21:04:17 -0600 http://activerain.com/blogsview/941630/-8000-for-first-time-home-buyers-available-now- http://activerain.com/blogsview/922201/coon-rapids-dam Coon Rapids Dam <p>We just went for a walk at the Coon Rapids Dam. It is one of the hidden gems in Anoka County. We typically ride our bikes down there several times a year but, it is a tad cold and icy for that right now. So we drove down to the park and hiked out across the dam. Their is some great ice formations and ice bergs floating on the river below the dam. We also saw a red tailed hawk and several deer, one had even ventured out onto the ice. I snapped a few photos for your enjoyment. I highly recommend coming out of hybernation one of these days to see the mighty Mississippi River as it winds through Coon Rapids and Brooklyn Park.</p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p>Joel Friday Homes</p> <p>JoelFridayHomes.com</p> <p>612-868-6287</p> <p> </p> <p><img title="The walkway across the Mississippi River" src="http://activerain.com/image_store/uploads/4/1/7/1/2/ar123405328421714.JPG" height="600" alt="Coon Rapids Dam" width="800" /></p> <p><img title="Mississippi River ice" src="http://activerain.com/image_store/uploads/8/8/1/2/6/ar123405341162188.JPG" height="600" alt="Ice formations below the dam" width="800" /></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 07 Feb 2009 18:39:39 -0600 http://activerain.com/blogsview/922201/coon-rapids-dam http://activerain.com/blogsview/915170/ice-palace-in-ramsey-mn Ice palace in Ramsey, MN <p>I received a call last month from an assett manager in Dallas. He asked if I could check on a home in Ramsey, MN for him and of course I said yes. Asked if the utitlities were on he answered probably not and was stunned to find out it was -24* F here in the Twin Cities that day. He thought 50* F in Dallas was cold. The utility companies both said they were on but, a trip to the home quickly revealed the furnace was shut off. Apparently the last tenants had moved out in August so this wasn't a surprise.</p> <p>The company who winterizes for me came out, shut off the well and started the furnace up. Pipes had already burst in several locations along with the fiberglass water softener tank. Fortunately the thaw produced very little leaking on sheet rock and other sensitive areas. The ice is now all melted so time to start marketing the home.</p> <p>This is a great reminder for those of you who work with banks to make sure the winterizing is done by late September.</p> <p> </p> <p>If you are ready for a little work...</p> <p>This could be your</p> <p>"HOME by Friday!"</p> <p>Joel Friday</p> <p>HomeByFriday.com</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Tue, 03 Feb 2009 20:17:17 -0600 http://activerain.com/blogsview/915170/ice-palace-in-ramsey-mn http://activerain.com/blogsview/889578/sick-of-slush-in-your-garage- Sick of slush in your garage? <p>We have been receiving snow almost every other day here in Minnesota this season. While that keeps everything nice and white, the slush tracked into your garage and driveway is annoying. Seems like I can shovel out gallons of the stuff on a daily basis. Worse yet that salt in the slush eats away at your concrete floor.</p> <p>I have found a great way to clean your garage floor and remove the slush with out buying anything. The trick is to simply shovel clean snow onto the garage floor and wait an hour. By then shovel the snow back out as it has absorbed 90% of the salt and dirt that was on the floor. You will be amazed by how great this works. Just remember to use clean white, powdery snow.</p> <p>I am dreaming of a green spring!</p> <p> </p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p>JoelFridayHomes.com</p> <p>Joel Friday</p> <p>612-868-6287</p> <p> </p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Mon, 19 Jan 2009 17:16:20 -0600 http://activerain.com/blogsview/889578/sick-of-slush-in-your-garage- http://activerain.com/blogsview/832627/finally-widening-242 Finally widening 242 <p>I just went over to the Coon Rapids City Center to hear about the plans to widen Highway 242, now known as County 14 and Main Street. The road will be upgraded to 4 lanes from Coon Creek to Crane Street, which is just past Hanson. The construction will start in 2010 and likely close down the road from Hanson to Shenandoah Blvd to clear out the peat bog or build a land bridge. The county engineer said there is around 5 feet of tar from all of the fill down over the years in the area by the sod fields.</p> <p>This project will be the first of many segments to turn county 14 into a 4 lane highway from 10 to 35W. Of course this will go as fast as funding comes through. The state has turn back funding available to help as part of giving the highway back to the county last year. Very little land acquisition is needed as the county has a wide right of way along the higway. They also plan to build a bike trail along this section of the road.</p> <p> </p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p> </p> <p><a target="_blank">JoelFridayHomes.com</a></p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Thu, 11 Dec 2008 21:54:35 -0600 http://activerain.com/blogsview/832627/finally-widening-242 http://activerain.com/blogsview/803225/the-call The Call <p>As a parent we hope to never receieve a call saying your child was in an accident. Last night my phone rang after midnight. My daughter said we were in an accident and every one was alright. She was planning on spending the night at friends anyway so we said we would pick her up in the morning.</p> <p>The story was not a good one on how this happened so I thought I would share it with others so they can talk to their kids. They were already at the friends house and it after 11. They decided to go play a game called ding dong ditch. When they went outside they heard voices and discovered the boys were there egging one of thier cars.</p> <p>Mistake #1 They ran for their car and gave chase.</p> <p>Mistake #2 There were 7 of them in a 6 passenger car.</p> <p>Mistake #3 None of them wore a seat belt, which they are ussually very good at doing.</p> <p>Mistake #4 The chase began and they followed the boys down a dead end street, now they have them!</p> <p>Mistake #5 After the boys simply turned around in the cul de sac, they continued pursuit.</p> <p>Mistake #6 They were going too fast!</p> <p>Mistake #7 The speed prevented them from making a corner and they spun the car and headed for the ditch. Mistake #8 This occurred in a residential neighborhood.</p> <p>End result was the car took out a 6 x 6 post, some fencing and stopped when it hit a tree. The girls paniced when they saw smoke, most likely antifreeze from the radiator. They had been pinned in the back seat as the rear passenger door was against the tree. Once they all were out and back on the street, they called the boys to rescue them. The boys brought them back to the home they were spending the night at and they started to call home.</p> <p>Blessing #1 Other than a few scrapes and bruises, the girls were protected by God.</p> <p>Blessing #2 Many lessons were learned and they owned up to their responsibility for what happened.</p> <p>Blessing #3 The cause of the egging was shown to be very minor compared to the forgiveness shown to them on the cross. I believe they will all grow closer together as friends because of this incident.</p> <p>Blessing #4 These are all great kids who seldom cause any problems and we love them.</p> <p> </p> <p>Disappointed, angry, thankful and blessed parent.</p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 22 Nov 2008 17:13:07 -0600 http://activerain.com/blogsview/803225/the-call http://activerain.com/blogsview/791392/rhinestone-roundup Rhinestone Roundup <p>We attended the fund raiser for Meadow Creek Christian School last night. They have a silent auction of donated items, you could buy anything from Wild tickets to baskets for presents. There was easily 400 different items to bid on. The items made by specific classes were always bid very high as each parent wanted to bring home what their child had made. My favortie was the scrabble board with everyone's name on it. We didn't win any bids.</p> <p>After that we had dinner and updates on the capital campaign for the new building. Sounds like they are almost ready to start building on the land they bought in Andover, MN. The city has already apprived the plan for the lot at 161st and Tulip.</p> <p>Sweetwater Revival performed while we ate our meals. They are 4 lady singers that sing original gospel music. They did a great job.</p> <p>After dinner they do a live auction on 12 items that range from rock climbing with a couple of teachers, to a condo in Florida for a week. Everyone enjoyed the evening and a lot of money was raised. Last year they were able to purchase Mac books and projectors for the class rooms.</p> <p>Hopefully we can raise enough money to start building the new school soon!</p> <p>http://meadowcreek.com/</p> <p> </p> <p>Make sure your home is</p> <p>"SOLD by Friday!"</p> <p>http://JoelFridayHomes.com</p> <p>Joel Friday</p> <p> </p> <p> </p><div class='agent_signature'><p>Make sure your home is</p> <p><span style="font-size: small;">"SOLD by Friday!"</span></p> <p>Joel Friday</p> <p>612-868-6287</p> <p><a title="My web site" href="http://JoelFridayHomes.com/" target="_blank">Joel Friday Homes</a></p></div> Joel Friday, e-PRO (DMR Realty, Inc.) Sat, 15 Nov 2008 11:10:34 -0600 http://activerain.com/blogsview/791392/rhinestone-roundup