About Henderson County, KY

One of the most important fees that Henderson, KY home buyers need to consider when beginning their search is homeowner’s insurance. It’s important to invest in this to protect your property from accidental damage or liability. As Henderson, KY real estate agent, I feel that it is important to help guide people who are buying a home through the process of obtaining insurance. After all, if you don’t have a strong insurance policy on your home, then should there be any damage done, you won’t have the coverage and protection that you need to rebuild.

While this is a necessary expense for your home, rates can also skyrocket if you aren’t careful. My experience in Henderson, KY real estate has shown that your homeowner’s insurance costs can be kept under control, if you know what to avoid. Here are eleven things that you may want to steer clear from as you settle in to your brand new Henderson, KY home!

• Dangerous dogs. Did you know that more than 4.7 million people per year are bitten by dogs? I completely understand the need to have pets. I am a huge dog-lover myself! If you have a pet that's on your homeowner insurance company's "dangerous dogs" list, however, you need to know that there’s a chance that your homeowner’s insurance rate will be higher. If you love your pooch, the extra cost will be worth it, but if you’re thinking about getting a dog, that is something to consider as you start shopping around.
• Swim at your own risk. This one is a no-brainer. Sure, pools are fun to have in the backyard, but the number of deaths by drowning each year is a liability, and thus a prime target for high insurance rates. Once again, you need to consider carefully if you want to install one of these in the backyard. You need to be prepared for a large change in expenses.
• Trampolines. Yes, these are fun, especially for the kids. They’re also not the safest toys you could own. Once again, choose wisely, because your insurance rates may soar should you choose to get one of these.
• The old-fashioned treehouse. I know that they’re fun to build, and they give the kids a place to call their own, but a house up in a tree isn’t exactly known to be 100% safe. One small note: the height of a treehouse can determine how high the rate soars, so if you want to have one, keep it on the lower side.
• Home businesses. Yes, you read that correctly. Running a business out of your home contributes to the amount that could be lost in an unforeseen accident. As a result, your premiums will likely be higher than if you have an off-site office. It’s also important to let your insurer know about your business in the event that there is an accident, or else you won’t be covered. This is definitely an expense to keep in mind as you set up shop at home!

As your Henderson, KY real estate agent, I feel that it is part of my responsibility to help my clients be aware of any aspect of their home that could cause extra fees or expenses. In the case of homeowners insurance, the list of things that could be considered a liability is extensive, and it’s important to keep them in mind as you factor in how much home you can afford. Since my primary goal is to help you have a smooth transaction through the Henderson, KY real estate market, I felt like I should point out some of the more common factors that could contribute to a rising homeowner’s insurance rate.

If you need any help with finding the perfect Henderson, KY home, don’t hesitate to contact me! I’d love to help you get started with finding the home of your dreams. I hope to hear from you soon!

Kathy Jackson RE/MAX Superior, REALTORS (270) 844-2607 kathyjackson_realtor@yahoo.com http://www.HendersonHomesToday.com Listed by: RE/MAX Superior, REALTORS

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Can you believe how quickly January has flown by? It seems like just yesterday that we were creating our list of resolutions for a new year and getting over the holiday hustle. One of the best parts about living in Henderson, KY is that winter doesn’t slow us down. We still have a well-rounded variety of awesome community events that are bound to pique your interest and keep you involved in the area’s happenings all season long. As your Henderson real estate agent, I feel that it is part of my responsibility to ensure that all of you are in the know about what’s going on around town.

When I talk to homebuyers in the area or meet with people who are interested in relocating to Henderson, I always mention how close-knit and active we are as a community. It’s an important part of our character, and it’s part of what makes people want to live here. Since we are starting a new month, I thought that I’d outline some of the fun-filled, family-friendly events happening in Henderson over the next few weeks. Whether you have just moved to Henderson, KY or have lived here your whole life, you will find that it’s events such as these that keep us close-knit as a community. Enjoy!

“A Family Affair” Art Exhibit
Running February 9th-April 16th
The Gallery at Riverbend
145 N. Main Street, Henderson, KY
Art is always interesting to see in itself, but when it is being created by an entire family, it becomes incredibly special. Enjoy a variety of pieces created by the Rodenburgs. Whether you’re interested in art or not, it will be very interesting to see work created by people who live closely together. It will give you a few different perspectives from a single family unit.

Grammy Award-Winning, Carolina Chocolate Drops
February 9th
The Henderson Fine Arts Center
2660 South Green Street, Henderson, KY
If there is one thing Kentucky loves, it’s bluegrass! Enjoy some foot-stompin’, knee-slapping beats this month as this Grammy award-winning group performs at the Henderson Fine Arts Center. This show definitely won’t lack energy, and it will get you on your feet and dancing to the rhythm. Get your tickets today and hear some bluegrass in a way that you’ve never heard it before!

Bowl for Kids’ Sake
March 3rd
Echo Lanes
1698 Henderson Street, Henderson, KY
Lace up your bowling shoes and bring your “A” game, because this day at the lanes will benefit the Big Brothers Big Sisters organization of Henderson County. It’s your chance to not only have some fun, but also come together as a community to positively impact a child’s life. Although the event isn’t until March, the registration date is February 1st, so it’s important to sign up as soon as possible if you’re interested!

As your Henderson County real estate agent, one of my goals is to keep my network informed about all of the important or interesting events going on around town because the more involved everyone gets, the more clear it is to those who relocate to the area that we are a solid, close-knit community. When I talk to Henderson homebuyers about how active our area is, it makes me proud to be able to list a variety of awesome events at any given time. It makes my job much easier.

If you have any questions about the upcoming events in Henderson County, don’t hesitate to contact me! My expertise expands beyond real estate; I also aim to be the premier community resource that you can rely on. I hope to hear from you soon!

Kathy Jackson
RE/MAX Superior REALTORS
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Tomorrow marks that time of year that is commonly known as tax season. As a Henderson real estate agent, part of my job is educating members of my community about all the benefits that come with being a homeowner, and getting certain tax deductions is only one of them. For many Henderson, KY homeowners, doing your taxes is difficult enough without factoring in all of the tax benefits. The complicated ins and outs of homeowner tax breaks can result in costly errors that will drive the IRS to your doorstep if you don’t take the right precautions and carefully calculate each deduction.

As with all complicated processes in life, some mistakes are more common than others. In order for you to see all the tax benefits that come with owning a Henderson, KY home, I thought that I’d outline some of the more common mistakes homeowners make on their tax returns:

Deducting the wrong year for property taxes is a common error for many a homeowner in Henderson, KY. In order to avoid this mistake, write down the amount you actually paid for 2011, no matter what the date is on your tax bill. The reason for this is because some taxing authorities work a year behind, and this tactic will help you avoid confusion with the feds.

Don’t confuse escrow for actual taxes paid. Many homeowners have their lenders escrow funds to pay their property taxes. Don’t just deduct the amount escrowed. Instead, deduct the regular amount on your tax bill. Your lender may not have collected an amount that matches the amount on your tax bill exactly, so use the number on the statement sent to you by your lender.

Many Henderson, KY homeowners fail to track all home-related expenses. File away all of your home repair, home maintenance and home office expenses as you go throughout the year. This will help you account for every possible expense and ensure accuracy on your tax return. I understand that documents can be hard to keep track of, so starting a folder early on each year will help you keep this paperwork organized and ready for when you sit down and start filling out your tax forms.

File all of your energy tax credits correctly. If you made any eligible, energy-efficient improvements to your home, you need to make sure that you fill out Form 5695 on your tax return. This will offer a 30% credit towards upgrades such as insulation and windows. Make sure you read the instructions carefully on both parts of the form, as it can be easy to mix up the numbers on this incredibly complex form. Pick a quiet place and stay focused as you fill this part out. It can be tricky, but it’s also well-worth it to get the tax breaks!

Part of being an experienced and knowledgeable Henderson real estate agent is learning the ins and outs of homeownership and the benefits that one can receive from buying a home. One of the best benefits of being a homeowner in the Henderson, KY area is the many tax deductions that you can receive on your annual return. If you avoid these common mistakes, I can guarantee that you’ll get the most benefit out of these tax breaks each year! It’s just a matter of going through each step carefully and making sure that you don’t overlook anything.

If you have any questions about buying a home in Henderson, KY, don’t hesitate to contact me! I’m here to answer your questions at any time. I hope to hear from you soon, and happy tax season!

Kathy Jackson
RE/MAX Superior REALTORS
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Welcome to 2012! The New Year is a great time to make a fresh start! As your Henderson, KY real estate agent, I’d like to share some information that could help everyone improve their credit score.

Good credit is a must these days, whether you are buying a home, looking for a job, or applying for insurance. A good credit score can open doors; a weak credit score can be a barrier to opportunity. Sometimes the only thing holding buyers back from the Henderson, KY real estate market is a mortgage approval.

Also, small improvements in your credit score can add up to big savings on mortgage loan interest! If you are buying a home in the Henderson, KY area, checking your credit now could save you hassles down the road. Here’s how to start:

Pull a copy of your credit history from annualcreditreport.com. This is the official website of the credit industry; beware of substitutes! You can also pull the score itself by visiting MyFico.com.

Check your credit history for any errors. Keep in mind that a debt can be sold from one company to another; read your history carefully to make sure dates and balances match up. Be on the lookout for debts that do not sound familiar; identity theft can happen to anyone.

If you find an error, file a dispute directly with the credit bureau. You will need to back up your case, so be ready to supply proof of payment or other facts that support your dispute. It can take a few weeks for a correction to be processed on your credit report.

If you are having trouble managing your debt, don’t be afraid to ask for help! The National Foundation for Credit Counseling can refer you to an approved, trustworthy credit counselor. Avoid quick-fix promises that you may find advertised on the internet; you could be snared by an expensive scam.

Having your financial house in order will help you accomplish home ownership or any other goal you may have. I would be pleased to help you become a Henderson, KY home owner! I have helped many Henderson home buyers find the best property to match their needs and budget. Contact me for the latest Henderson market information!

Wishing you all the best in 2012,

Kathy Jackson
RE/MAX Superior REALTORS
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When I think of the holidays, the first word that comes to mind is “giving.” We give gifts to our friends and family, and we give our time and energy to host holiday parties and show the people in our lives how much we care about them. In the spirit of giving, the city of Henderson, KY really rallies together during the holiday season. Whether you’re giving back by participating in a charity event or showing your community support by taking part in a town event, in Henderson, KY, the holiday season is in full-swing.

As your Henderson, KY real estate agent, I consider it part of my job to keep up with what is happening in the community. Since the holidays are just around the corner, I thought I’d keep you in the loop about some of the fantastic community events that are happening in the area this month. The great thing about living in Henderson, KY is the emphasis on giving back to the community. All of the things on this list of events will help you show your holiday spirit, and the variety of options mean that there will be at least one thing that will pique your interest:

“Santa’s at the Park”
John James Audubon State Park, Henderson, KY
December 10th, 10:30am-12:00pm
If you have young kids, this event is perfect for you! Join Santa and his elves at the John James Audubon State Park this Saturday and share storytime, art and holiday treats. For only $7.00, you can enjoy some holiday fun with the kids, and for an extra fee, you can get a picture with Santa. Make sure you don’t forget the Christmas wish lists! Email kim.mcgrew@ky.gov and pre-register for the event today!

“Homes for the Holidays” Home Tour
December 10th, 10:00am-4:00pm
Hosted by the American Cancer Society, this one-of-a-kind home tour will both put you in the holiday spirit and help out a great cause. Enjoy beautifully decorated homes for the holidays, enjoy delicious treats and sip some hot tea at the Tea House Café. Proceeds will benefit Relay for Life. Nothing tops spending a whole day touring amazing homes in the Henderson, KY area while getting yourself geared up for the holidays! Get your tickets today at the Tea House Café, Third Street House, Memories Past and Present, Victoria’s Boutique and Klassy Kids. This all-day event will only cost you $20.00.

Cops and Kids Christmas Event
Walmart, Henderson, KY
December 13th, 6:00pm
This event is just one of many that demonstrates what a charitable community Henderson, KY is! At this annual event, kids are paired up with cops from the Henderson Fraternal Order of Police Lodge No. 9 and shop until they drop at Walmart for a few holiday gifts and warm clothing items. This heartwarming shopping experience allows local kids in need to spend a little time with their hometown heroes and have a better holiday season, to boot. Looking to donate? Simply make checks payable to Henderson Fraternal Order of the Police Lodge No. 9, P.O. Box 1416, Henderson, KY 42419.

All three of these events will give you the extra boost that you need to make the holidays extra special. Whether it’s giving back to your kids by spreading Santa’s magic or helping those who are in need, the word “giving” is the best one to use to describe the holidays in Henderson, KY. As your Henderson, KY real estate resource, I take it upon myself to let the area’s newcomers and seasoned residents know exactly what is happening in the area so that they can participate in the community effort that makes this time of year so special.

If you have any questions about what is going on in the Henderson, KY community, or if you want to know anything about the local real estate market, don’t hesitate to ask me! As your Henderson, KY real estate agent, I am happy to help in any way I can. I hope to hear from you soon!

Kathy Jackson
RE/MAX Superior REALTORS
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