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Thankful Sunday! A Toast to my Friends & AR Colleagues in St Cloud Minnesota
Imagine my total surprise when I walked up to my front door and
there was a package from Liz & Steve Baklaich!
I wondered what it could be? So I hurried into the house and opened up the package. It was kind of heavy so I wasn't sure what they had up their sleeve! It was packed really well with lots of bubble wrap so it took me awhile to open the first package.
Homemade Raspberry Jelly! Are you kidding me? I love homemade Jelly!
It reminds me of growing up in St Cloud Minnesota. My Grandma had a huge raspberry patch and she let us pick our breakfast of berries when we stayed with her. And she made the best homemade raspberry jelly too!
When I saw the jelly that Liz made (sorry Steve I think it was her) I was so excited! She also sent along 3 other fun homemade jellies, cinnamon/apple, jalapeno and hot yellow pepper! Liz grew up here in Phoenix and moved to St Cloud to be with Steve. So she knows her hot jellies!! And we're so glad she does! We've been enjoying the jellies every morning since they arrived.
What a lovely way to warm my heart and I wish I was there to give them a big hug!
This gift folks is so very indicative of the wonderful relationships so many of us are creating within our Active Rain Community. Never in a million years when I began my AR journey in 08 did I imagine the gift of solid relationships with great people all over the USA and Canada.
A huge thanks to Liz & Steve Baklaich of Saint Cloud Minnesota!
I can't wait to meet you in person when I'm home for a visit!
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OPEN HOUSE 2918 S. 16th Street Court, St. Cloud, MN
Sunday January 15, 2012 from 12:00 to 1:30pm MLS# 4108454
This attractive 4 bedroom 2 bath home offers upgrades found in more expensive homes like real maple flooring through out the kitchen, dining and living-room and slate tile in the entry foyer and in the upstairs bath. The kitchen features raise panel cabinets and a center island. Dining walks out to an over-sized deck and a large private back yard with mature trees. Spacious lower level family room, 2 car garage, all on a cul-de-sac close to Oak Hill School.This home is move-in ready and available for a quick closing.*Ask about the HRA grant of $13,000 interest free to qualified buyer*. $139,900.
Directions: 25th Ave.S. to Main Prairie Rd. to Oak Grove Rd to 16th St.Ct. to home. Follow the signs to 2918 S. 16th Street Court, St. Cloud, MN
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Uncle Sam Givith and Takith Away!
I have know a number of attorneys over the course of my Real Estate career, and some of them know, and tell the best lawyer jokes. Example:
Do you know how cold it was yesterday?
It was so cold I saw my lawyer walking down the street and he had his hands in his own pockets!
Now try substituting Senator for lawyer and you will be most timely, because last week the U.S. Senate extended the payroll tax cut, reducing what they withhold from folks paychecks. This is a temporary measure to stimulate spending, etc. As part of this extension they included an increase in Mortgage Insurance Premiums (MIP) on Fannie Mae, Freddie Mac and FHA loans, for new purchases and refinances, beginning January 1, 2012. This change will likely be permanent, and represents about a 33% increase in the monthly MIP on 90% of all loans written.
The bill extends for 2 months the payroll tax cut and long term unemployment, as well as Medicare reimbursements for doctors. The House of Representatives is supposed to vote on the bill this week. The increase in MIP is meant to offset the $33 Billion price tag for these programs. For a mortgage amount of $200,000, this increase is about $17 per month. About $204 per year, every year.
All of the homeowners that have weathered the last few years and still own their homes will, if they refinance after January 1, 2012, have a new tax added to their monthly mortgage payment. The same goes for those who buy a new home after January 1st unless they bring a 20% down payment to closing, thus avoiding MIP entirely. In our market I would guess the average home buyer will be paying the extra fees for a while, until the build enough equity to discontinue the MIP.
It may be to late, but you can still try to contact your Representative in Congress, but my guess is they won't vote against the giveaway extensions. But we will end up paying for it, one way or the another!
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