Real Estate Update
- Home & Family
- Buyers & Seller's Corner
- Home Improvement
- Trivia Challenge
- New Movie Releases
- Technology Corner
3 -- National
9 -- Daylight Savings Time Begins
17 -- St. Patrick's Day
21 -- Full Moon Day
21 -- Good Friday
23 -- Easter
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May your blessings outnumber the shamrocks that grow and may
trouble avoid you wherever you go.
-- Popular Irish Blessing
Prices Show Increases in Many Markets
to a mid-February report from the National Association of Realtors®,
approximately half of metropolitan areas continued to show rising
home prices in the fourth quarter of 2007.
73 out of 150 metropolitan statistical areas showed increases in
median existing single-family home prices from a year earlier, including
11 areas with double-digit annual gains and another 12 metros showing
increases of 6 percent or more; 77 had price declines including
16 with double-digit drops.
Richard Gaylord said he is encouraged with plans to increase conventional
loan limits. “Higher limits for FHA loans, which go into effect
March 14, will be a big help to first-time buyers in high-cost markets.
Higher limits for conventional loans purchased by Freddie Mac and
Fannie Mae will take a bit longer – when they become available,
high-income, creditworthy borrowers in high-cost areas will have
access to affordable and safer financing, and that will help unleash
pent-up demand,” he said.
annual decline in the fourth quarter median home price, the typical
seller who purchased their home six years ago still saw a very healthy
gain. The median increase in value for sellers who purchased that
home in the fourth quarter of 2001 is 31.2 percent, and the median
home equity accumulation is $49,000, the report said.
Freddie Mac, the national average commitment rate on a 30-year conventional
fixed-rate mortgage fell to 6.23 percent in the fourth quarter from
6.55 percent in the third quarter. In recent weeks, Freddie Mac
has been reporting the 30-year fixed rate to be under 5.7 percent.
the spring, I have counted 136 different kinds of weather inside
of 24 hours.
-- Mark Twain
Your Swimsuits and Towels
an excellent family activity because it’s fun, inexpensive
and everyone can participate at their own level. In addition, you
can burn hundreds of calories, build upper-body strength, build
nice muscle tone in your shoulders and back, and give your heart,
lungs and all the major muscle groups in your body a good workout.
Since most kids
won't want to swim laps, here's a sure-fire game that will keep
you all entertained for hours -- it's called "sharks and minnows."
You can play this game in any body of water (pool, lake) as long
as you have two separate target areas, called "safe zones."
A few swimmers are selected to be sharks, and it's their job to
roam the open water. The rest of the swimmers are minnows, and they
line up in one of the safe zones. On a signal, the minnows must
wade or swim to the opposite safe zone. If a shark touches any part
of a minnow while they are above water, the minnow is caught and
becomes a shark. When there are no minnows left, you start over.
Other fun games
include chicken, colors, diving games, life saving games, sandbank,
pairs, stations and water polo. If you or your kids can't swim,
consider taking swimming lessons this Spring. You can find affordable
lessons though your local YMCA, college or the American Red Cross.
And, most kids love the water. Good luck getting them out of the
pool to go home!
When they call the roll in the Senate, the Senators do not
know whether to answer "Present" or "Not guilty."
-- Theodore Roosevelt
Does Your Home Have Curb Appeal?
To make a good
first impression, your home should be visually appealing and in
good condition. The following checklist will help you attract more
potential buyers and yield a quicker and higher sales price.
- Your lawn,
flowers and shrubs should be well maintained. Remember, a green
lawn yields more green dollars.
- Any cracks
on the driveway or sidewalk should be repaired.
- Oil and rust
stains should be removed from the driveway and garage. If it's
really bad, you should consider resurfacing it.
- The garage
door should be closed.
- The gutters,
chimney and walls should be in good repair. A power wash can do
- The window
casings, shutters, siding and doors should look good. Touch up
any areas that are dirty, chipping or fading.
- The garbage
can should be out of sight (and smell), as well as the lawn mower,
garden hose, bikes and toys.
- There should
be no sign of pets, of any kind, anywhere. Take down the "beware
of dog" sign and be sure your yard doesn't have any evidence
- Remove any
newspapers or mail from the front entry.
- Replace your
mailbox if it's worn, put up new house numbers, and lay down a
new welcome mat at the front door.
When someone tells you something defies description, you can
be pretty sure he's going to have a go at it anyway.
Clyde B. Aster
Tips for Electrical Home Improvement Projects
When it comes
to home improvement projects, working with electricity ranks right
up there with roofing, using a chainsaw and hooking up gas appliances
as far as risk goes. Here are five tips to keep in mind to ensure
a safe repair or installation.
- Make sure
you have permission. Check with your homeowner association and
local electrical authority. The laws regarding permits vary from
state to state, so be sure to check whether you are required to
have a permit.
- Turn off
electrical power at the source, through a circuit breaker. Even
if you flip a wall switch, the related appliance or socket will
still be live. Keep in mind the diagram on the distribution panel
may not be accurate, so the smart move is to turn off all power
if possible. Check, and recheck, for yourself that the circuit
is dead by using a voltage tester.
- Make sure
your work area is completely dry. Put down a rubber mat to stand
on if the area is damp or wet.
- Use tools
with rubber- or plastic-coated handles and wear rubber-soled shoes.
- After you
have finished your work, turn the circuit breaker back on to restore
power. Most lighting, receptacles and appliances use 120 volts
of electricity. Air conditioners, electric ovens, water heaters,
dishwashers and many larger appliances require 240 volts. Most
doorbells and telephones use a transformer that converts standard
power to a lower voltage (6-12 volts) for safety.
Keep your eye
open for an electrical workshop at your local home improvement center.
You can learn a lot by asking the instructor about your upcoming
project. Remember, if you have any doubt about your ability or the
safety of the situation, call in a professional.
If two men agree on everything, you may be sure that one of
them is doing the thinking.
-- Lyndon B. Johnson
1.) A leprechaun is really an Irish what?
d.) Shop owner
2.) A popular Irish dish made of shredded cabbage, minced
onions, mashed potatoes and butter is known as?
a.) Shepherd's pie
c.) Irish Stew
d.) Poorman's porridge
3.) A whiskey made from potatoes is called what?
d.) Potato ale
4.) Kissing the Blarney Stone is supposed to give you what?
a.) The gift of being able to fabricate stories
b.) Longer life and more laughter
c.) Removes shyness and gives the gift of gab
d.) The ability to detect a lie
5.) Harland and Wolf are famous in Ireland for what?
c.) Folk singing
I don't take the movies seriously, and anyone who does is in
for a headache.
-- Bette Davis
- The Bank
- Dr. Seuss'
Horton Hears a Who
Perry's Meet the Browns
Fat Boy, Run
releases only. Opening dates subject to change.
only reason for time is
so that everything doesn't happen at once.
-- Albert Einstein
Your iPod into a Recording Device
If you already
use an iPod, you probably take it with you nearly everywhere you
go. Make your iPod even more useful by turning it into a recording
iTalk Pro is
perfect for taking notes, conducting an interview, recording details
about a project, or leaving yourself messages. iTalk's twin built-in
microphones record directly to your iPod, and adjustable gain settings
give you control over the volume. You can also use an external microphone
by plugging into the 3.5 mm jack.
iTalk Pro is
compatible with all dock-connecting iPods and costs about $24.
not worth doing is worth not doing well. Think about it.
-- Elias Schwartz
Cell Number Blocking
be a number of reasons why you would want to block your cell phone
number -- either permanently -- or just for the one call. Here's
how you do it.
Blocking -- To block your cell phone number to everyone,
permanently, just call your carrier's customer service and request
a "line block." Dial 611 from your cell phone to connect
with them. If for some reason you want your number to show up,
you'll need to dial *82 before dialing the number you are calling.
By using this feature the number will show up just once for that
Blocking -- If, for some reason you want to block your
cell phone number for just the one call, simply dial *67 before
dialing the number (example: *67 (800) 123-4567).
Now you have
more control over who sees your number. Be sure to check with your
carrier, as some companies charge fees for this feature.
feel like talking about newsletters? Then let's talk about sailing!
Ahh, Spring is almost here!
You Have Better Things to Do?
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b.) Shoemaker; #2. b.)
Colcannon; #3 a.)
Poteen; #4. c.)
Removes shyness and gives the gift of gab; #5. a.)
Shipbuilders (they built the Titanic)
2710 Country Lane NE
Bemidji, MN 56601 unsub
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