Happy Fourth of July, everyone! A s you know, it has been another dry year and the danger of fire is ever present. Instead of doing the backyard fireworks at home, I would like to suggest that you attend one of the biggest fireworks shows in the state of Texas. Over 100,000 people are expected at the 33rd Annual Austin Symphony Orchestra Concert and Fireworks Show at Auditorium Shores today. The orchestra will begin their performance at 8:30 pm. The fireworks show will begin about 9:30 pm. Along with the sparkling fireworks, you will hear the boom of live canons.
If you are planning to drive to the event, then it is best to park north of Lady Bird Lake. For parking information, tips and maps, visit the Austin Symphony website. You can make your Fourth of July green by riding your bike or taking the CapMetro or riding the Dillo. Be safe and have fun!
All good things good to an end it seems. And the low-low 4% interest rates have ended. According to the experts, there is little hope that they will return.
For the past three months interest rates have remained under the 5% mark. Just a few short weeks ago, homeowners seeking a refinance, and buyers could get a mortgage loan with an interest rate around the 4.75% mark. Last week the national average was 4.91%. This week interest rates have shot up to 5.39% (as reported by Freddie Mac)! This is the highest interest increase in six months.
According to Yahoo Real Estate today's rate is 5.396%. However, according to ReatyTimes.com the average rate is 4.91%. Either way, today's rates indicate interest rates for home mortgages are on the rise.
Austin homeowners, it is important that you understand how higher interest rates effect you. There are some negatives and a very great positive reaction when interest rates go up.
Negative Reactions:
When interest rates rise, even slightly, less buyers qualify
When interest rates rise, buyers do not buy because of higher mortgage payments, which make renting more affordable
When interest rates rise, a home refinance is less likely to be beneficial
Positive Reaction:
When interest rates rise, home purchase activity goes up because buyers want to buy before the rates increase further
Austin home buyers, it is important that you understand how higher interest rates effect you
A higher interest rate results in a higher mortgage payment
A higher interest rate results in less buying power
A higher interest rate can keep you from qualifying for a mortgage loan
A higher interest rate costs you ten of thousands of dollars (in interest paid) over a long period of time (30-year mortgage).
Austin home buyers, if you are considering purchasing a home in 2009, get off the fence. There are great reasons to buy now, including the one time (and for this year only), tax credit. By the way, there have been changes to the tax credit which will allow you to use it as a down payment or to pay closing costs when using FHA financing. I will be posting a blog on the benefits of how buying now can save you a lot of money.
Austin homeowner, if you are considering refinancing your home loan, get off the fence. The higher the interest rate the less sense it makes to refinance. I will be posting a blog on the benefits of refinancing in a future blog.
Attention Austin homeowners. I will be posting a blog on the benefits of refinancing. It may not be too late!
Attention Austin buyers, I will be posting a blog on the benefits of how buying now can save you a lot of money.
WOW! It's May already and time, once again, for the Old Pecan Street Festival on 6th Street. Artisans from all over the nation will be at the festival displaying their arts and crafts. In addition to the displays, there will be art classes where you can bring out the artisan in you.
Children (6 to 12) can also explore their talents at the Kids' Art Tent. Activities will be led by Austinite artist Lindsey Bailey. Lindsey will direct the children in creating colorful arts and craft designs which they can take home. The Kids' Art Tent is free to all participants. Capital One is sponsoring the Kids Art Tent as a means to educate Austin's youth and to introduce them to the world of art.
In case your feet may be feeling a little artistic after hearing all the great live music being presented on five stages, you can satisfy their need to express themselves at the free dance classes.
The Old Pecan Street Festival will be honoring the art of filmmaking at the PowerFlicker Short Film Showcase. Texas filmmakers will be presenting a collection of animated, comedy, documentary and narrative films from 3-6 pm on Saturday only as part of the festivities taking place in Austin.
The festival will also be presenting game booths, grilling demonstrations, a petting zoo for kids and a carnival for kids of all ages.
The Old Pecan Street Festival will be very green this year. It is not only honoring and encouraging the arts, but is also honoring and encouraging green living. There is no better way to encourage something than by practical application. A new element to the festival this year will be an Environmental Fair. The Environmental Fair will feature environmentally-friendly artists, educational workshops, organic foods, drinks and locally bottled spring water. Stop by the Transit Makeover booth to receive a free 7-Day bus pass. Transit Makeover will also have their new hybrid bus on display for everyone to check out. Your free bus pass will entitle you to a free drawing for Esther's Follies tickets. To enter the drawing, you will need to stop by one of the information booths.
One negative side to any festival is its debris. But, that will not be the case at the Old Pecan Street Festival. They have made a real effort to keep trash to a minimum with an aggressive recycling program. When looking to dispose of your trash, be sure to look at the signs above the trash containers. The signs will indicate what type of trash should be disposed of in each particular container, so that it may be recycled properly.
By the way, those of you who are not aware of Austin's history: the Old Pecan Street Festival is held on 6th Street because 6th Street was originally Pecan Street in the early days of Austin. The festival was named Old Pecan Street to honor Austin's early days. The Old Pecan Street Festival has been an Austin tradition for over 30 years and entrance to the festival is still free.
In January, I wrote a blog letting you know about Austin's Habitat for Wildlife program. Today, I want to tell you that the goal of that plan has been accomplished. The City of Austin has officially been named by the National Wildlife Federation as a community wildlife habitat. On March 12th, the City of Austin was awarded its Community Wildlife Habitat certification. The certification grants Austin the honor of being the largest metropolitan city in the nation and the first city in Texas to be certified by the National Wildlife Federation. The honor was received due to the participation of over 900 homes, 15 businesses, 14 parks, 25 schools and four churches that created habitats for Austin's wildlife
Austin has accomplished its goal to be certified as a Community Wildlife Habitat, but not its goal to create even more wildlife spaces within the city. You can still participate in Austin's Wildlife Habitat program. A wildlife space can be something as simple as a birdbath. You will be surprised at the rewards you will receive when giving little creatures a little space. In addition, you can receive your very own wildlife certification.
Congratulations, Austin! And a BIG high-five to all participants who have made Austin a Community Wildlife Habitat.
The South By Southwest 2009 Festival, more commonly known as SXSW, begins today in Austin, TX. This is one of Austin's biggest events of the year. Austin is known as the Live Music Capital of the world and there will be more music than usual until March 22nd, when the festival ends. Austin's Film and Music Festival Art will be presenting nearly 2,000 musical acts of all genres. A great opportunity to hear new "up and coming bands and musicians". SXSW also explores the art of independent filmmaking and interactive media.
SXSW began as a small musical festival 23 years ago. It is now one of the largest media events in the nation. The Austin Art and Music Festival (SXSW) offers discussions on the newest trends and showcases all of the best of independent films and music talent. It is not too late to register for this awesome event. Registration is being offered online until Monday (March 16th). Wear your comfy shoes because the events take place in various locations in downtown Austin.
SXSW will also be celebrated throughout the city with great music at local bars and restaurants. SXSW is an exciting and fun-filled time in Austin. The energy created by the event is indescribable, so be sure to get out there and ENJOY!
Last May (2008), I wrote a blog about Austin's great water. At that time, Austin ranked #2 by Forbes.com for the nation's cleanest water. Austin's Clean Water Program (ACWP) was honored again by a higher power, the Environmental Protection Agency. Austin's Clean Water Program was named one of the best infrastructure programs not only in the United States but also in the entire continent of North America. The International Right of Way Association has declared Austin's Clean Water Program to be one of the best in North America's history.
Austin's $400 million Clean Water Program's infrastructure projects were ranked in the #8 position on the list of the Top Ten of best projects in the last 75 years. Austin invested an approximate $15 million dollars to create over 100 projects to protect and improve Austin's water.
So, Austinites, let's all make a toast to the great City of Austin and its Clean Water Program with a tall drink of water straight from the tap. Water, another great reason to live in Austin, Texas! Read the story:
Austin sixth graders who would like to go to college should check out the opportunity provided by Breakthrough Austin. Breakthrough Austin is offering families a free program to which provides high-potential students a pathway to attain their college aspirations. The Breakthrough Austin program is limited to those who qualify as a low-income family and whose sixth grader would be the first-generation to graduate college in their family.
Students and their families must be willing to make a six year commitment to the program. Breakthrough Austin provides college counseling, tutoring and special summer classes at the University of Texas. Students will also participate in several activities during the normal school year. Breakthrough Austin currently has 240 students enrolled in the program and they are looking for the next 45 students. Applications must be submitted no later than March 1, 2009.
For information on how to apply or to make a donation, you can visit the Breakthrough website at: http://www.breakthroughaustin.org/students/how_to_apply.html or call the Breakthrough Austin offices at 692-9444, ext. 21. You may also apply in person at 1605A E. Seventh Street.
Golf courses are known for their beautifully manicured green lawns and pristine landscaping. Some golfers would have it no other way. However, there is a new wave of golf courses emerging as not only excellent courses but as environmentally friendly as well. The Hills Country Club of Lakeway in Austin is just one of 13 golf courses in the State of Texas to earn Audubon International certification as cooperative sanctuaries. The Barton Creek Country Club located in Travis County also holds certifications by Audubon International.
From its inception, Barton Creek Country Club made water quality a priority. The course was designed and constructed to prevent runoff from the course into the Edwards Aquifer. The Tierra Verde course implements the uses of natural fertilizers such as corn gluten and poultry manure. Courses which receive Audubon International certification must meet criteria for protecting water quality to the surrounding area, water conservation, minimizing chemical fertilizers, providing wildlife sanctuaries and promote environmental education.
Austin is a city which believes in and promotes sustainable living and its golf courses are no exception. Three of Austin's golf courses, maintained by the Parks and Recreation Department, have joined the Audubon International Sanctuary Program. The participating public golf courses are the Jimmy Clay Course, Koy Kizer and Morris Williams. Three of Austin's private country clubs: the Austin Country Club, the Blacones Country Club and the Onion Creek Country Club have also joined the sanctuary program.
Water consumption is a large environmental factor when maintaining golf course landscaping. In response to this environmental concern, Austin golf courses are changing their watering habits. Many courses are now using reclaimed wastewater as opposed to potable water. Hancock is the only golf courses maintained by the city which, as yet, has not been switched over to using reclaimed wastewater. That course is scheduled to switch to treated wastewater next year.
As I have mentioned in previous blogs, Austin is a city with a green living vision. I am proud to announce that both the Dell Children's' Medical Center and The Advanced Micro Devices (AMD) Lone Star Austin campus have been awarded high honors by the U.S. Green Building Council's Leadership in Environmental Energy and Design (LEED) rating system.
Dell Chrildren's Medical Center was awarded the highly coveted platinum rating. The platinum rating is the highest award to be granted by the LEED rating system. The AMD - Lone Star campus located in Austin was awarded a gold rating, the second highest.
The platinum ratings make the Dell Children's Medical Center the greenest hospital in the world and the first hospital to be recognized for its design and implementation of green living standards. The gold award received by AMD - Lone Star Austin campus is makes it one of the greenest corporate centers in the world.
The LEED Green Building Rating System is the national and worldwide benchmark for environmentally friendly building standards which include design, construction and operation. LEED rates buildings on the materials which improve energy efficiency.
The City of Austin has established a program in which homes in the city can be habitats for Austin 's wildlife.
There are no tax benefits or discounts to be had. As a matter of fact, there is a $15 application fee to be certified as a wildlife habitat but the benefits to your quality of life are priceless.
The City of Austin would like to be named by the National Wildlife Federation as a community wildlife habitat. There are already 900 homes that are participating in the program and have already been certified by the City of Austin as wildlife habitats. Schools and businesses are also eligible to become certified wildlife habitats.
A certifiable habitat must provide water and food supply as well as shelter for the little critters. In addition, you must follow sustainable garden principles. Sustainable gardening includes such things as water-wise plants, mulching and composting.
You do not have to own acreage or have a large yard to become a habitat for wildlife; almost any yard space will do. Most backyards already have the features required to become a certified wildlife habitat. Water saving plants, flowers, plants with berries, trees, bushes and even bird baths found in many yards can be the start of your own wildlife habitat.
A watering source can be a bird bath, a fountain, a pond or a small hole with rocks which fill-up with rainwater. Living spaces for wildlife can be shrubs, bird houses or a small brush pile (a great home for little foxes). Berry and pollen producing plants can be food sources.
Not only do you make a home for Austin 's little critters, you will also reduce your carbon footprint and contribute to Austin 's green living lifestyle. Maintaining a habitat is probably easier than a formal yard. They require less watering, mowing, pesticides and upkeep while bringing nature into your everyday life.
Rome wasn't built in a day and your habitat doesn't need to be either. By adding water-wise plants, a diversity of shrubs, bushes, flowers or trees, just one plant-at-a-time, will improve the quality of your yard.
Habitats allow you a simple way to return to simpler times in a busy and complicated world. You can enjoy the chirps of sparrows, view the glory of the cardinal, watch a owl teach her young to fly, hear the croak of a toad or see little creatures scurry all in your own little corner of the world.
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.
Golf courses are known for their beautifully manicured green lawns and pristine landscaping. Some golfers would have it no other way. However, there is a new wave of golf courses emerging as not only excellent courses but as environmentally friendly as well. The Hills Country Club of Lakeway in 
water-wise plants, mulching and composting. 
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