Michigan

When you buy a Northville foreclosure and you put in an offer the banks want to make sure it is a solid deal from the moment they get the paperwork. They want to tie it up, they want to lock you in so you don't bail out, THEY WANT TO SELL THE HOUSE AND GET IT OFF THEIR BOOKS.

One of the ways they do it is to have you make out a cashiers check made out to their listing agent. There want their agent to hold the money. They don't want to wait to have the check clear. This way they can take one more step to make sure the Northville foreclosure is going to be sold. No chance for buyers remorse right after you put in your offer.

So when you are buying a Northville foreclosure you will have put in an offer. What happens next is the bank accepts your offer. They send me, the buyers agent, their addendums, their instructions, and their requirement to get a cashier check made out to them. All this usually has to happen within 24 or 48 hours depending on the bank.

So when you buy a Northville foreclosurebe prepared to get a cashiers check as soon as the bank accepts your officer. Then I as your agent has to get the signed banks addendums and the cashiers check delivered to the listing agent within the time period they give me.

There is no delaying the process. Either you want the Northville foreclosure and meet the requirements or they sell the foreclosure to somebody else.

My wife and I went out to Red Robin restaurant in Livonia Michigan located on Six Mile Rd near I-275 tonight.

It was busy because they have good solid food at a reasonable price. It is kid friendly with bottomless french fries and bottomless pop. The have about 10 different burgers that will fill anybodies tastes

The local Red Robin franchise is owned by the Ansara family. If you know anything about metro Detroit restaurants you will recognize the Ansara name and remember they owned many of the Big Boy franchises years ago.

My son Ryan went to Catholic Central High School with Anthony and Michael Ansara. So the money you spend at these local Red Robin restaurants stay in the local area. Sure some of it goes to franchise fees but it is owned by a local family and the money you spend there helps our local economy.

So stop in and visit the Red Robin in Livonia MI. You be glad you did and walk out with some money in your pocket.

	Blackened Bayou BurgerBlackened burger topped with roasted red peppers, angry onions, Pepper-Jack cheese, Country Dijon sauce and cabbage-carrot mix on a jalapeño-cornmeal kaiser roll. Add a splash of Tabasco for even more spice. It's good, we guar-an-tee! $8.99			Red Robin Gourmet CheeseburgerThe Original upon which we have built our fame! Garnished with crisp lettuce, fresh tomatoes, pickles, onions and mayo. You choose your favorite cheese: Cheddar, American, Swiss, Bleu, Provolone or Pepper-Jack. $8.79 Add bacon for just .79 Make it Truly Original - add Red's pickle relish
	Banzai Burger®Marinated in teriyaki and topped with grilled pineapple, Cheddar cheese, lettuce, tomatoes and mayo. Dude, you'll be like, ready to ride the pipeline on O'ahu's North Shore after you chomp on this! $8.99			Make any Gourmet Burger a MONSTER add another patty for .99
	Bleu Ribbon BurgerA juicy burger basted with a tangy steak sauce and topped with crumbled Bleu cheese. Served with onion straws, lettuce, tomatoes and zesty Chipotle mayo on an onion bun. $9.29			5 Alarm Burger®Crank up the heat with Pepper-Jack cheese, jalapeños, fresh tangy salsa, sliced tomato, crisp lettuce and Chipotle mayo. $8.99
	A.1.® Peppercorn Burger Sizzling, hickory-smoked bacon, melted Pepper-Jack cheese, A.1.® peppercorn spread, crispy onion straws and tomatoes on an onion bun. It's a taste explosion! $9.29			Monster Burger - AKA - the Open Wide Burger. Two huge beef patties, melted American cheese, fresh ripe tomatoes, crisp lettuce, pickles, onions, mayo & Red's pickle relish. $9.79
	Royal Red Robin Burger® This is the aristocrat of all burgers because we crown it with a fresh fried egg. In addition, it's topped with three strips of hickory-smoked bacon, American cheese, crisp lettuce, tomatoes and mayo. $9.49			Guacamole Bacon Burger Homemade, zesty guacamole and three strips of hickory-smoked bacon with melted Swiss cheese, onions, lettuce, tomatoes & mayo. $9.29
	Natural Burger For those who like their burgers in the buff, we offer this scantily clad substitute. Includes lettuce, tomatoes, pickles & onions on the side. Served with guest choice of melon or fries. $ 7.99			Red Robin Bacon CheeseburgerWe claim this to be the best bacon cheeseburger in the city, state, nation and all the world! It is garnished in abundance with three thick slices of sizzling, hickory-smoked bacon, crisp lettuce, fresh tomatoes & mayo. You choose your favorite cheese: Cheddar, American, Swiss, Bleu, Provolone or Pepper-Jack. $9.29
	Burnin' Love BurgerTMYou'll get fired up for the crispy-fried jalapeño rings, tangy salsa and spicy Pepper-Jack cheese layered on top of our cayenne-seasoned beef burger. It's topped with shredded lettuce and tomato to cool things off and served on a jalapeño-cornmeal Kaiser roll with Chipotle mayo. $8.99			Sautéed 'Shroom BurgerLoaded with fresh, plump, sautéed mushrooms, a hint of garlic Parmesan butter and topped with melted Swiss for that extra Mmmm. A mushroom lover's dream come true. $9.29
	Whiskey River® BBQ BurgerBasted with our signature Whiskey River® BBQ Sauce and lasso'd together with Cheddar cheese, crispy onion straws, lettuce, tomatoes & mayo. $8.99			Country Fair Sautéed Sweet Onion Burger "Good ol' country fair-style." Made famous at your local fairgrounds, served on a toasted onion bun with a hint of garlic butter & smothered with lots of grilled sweet onions. $7.99

	Red's Homemade Chili ChiliTMLots of fresh ground beef and black beans with a perfect blend of fresh Poblano & Chipotle peppers and plenty of seasoning. Topped with Cheddar cheese, diced red onion and tortilla strips. Not too hot, but enough flavor to know you ate it.			French Onion Soup A rich beef stock with caramelized sweet onions, topped with melted Provolone & Parmesan cheeses. A homemade favorite served with house bread.
	Clamdigger's Clam Chowder A traditional, homemade New England-style clam chowder. Served with house bread.			BLTA Croissant A buttery croissant filled with sliced turkey breast, hickory-smoked bacon, sliced avocado, lettuce, tomatoes & mayo. Served with fresh melon and Bottomless Steak Fries. $9.79
	Souper Sandwich ComboChoose your favorite sandwich (Baja Turkey Club, BLTA Croissant, Whiskey River® BBQ Chicken Wrap) and combo it with a cup of any one of our savory soups. $10.49			Soups A La Carte Bowl 4.99 Cup 2.99
	Whiskey River® BBQ Chicken WrapA fresh spinach tortilla with juicy chicken breast smothered in our signature Whiskey River® BBQ Sauce, all wrapped together with Cheddar cheese, lettuce, tortilla strips and a touch of ranch dressing. Served with fresh melon and Bottomless Steak Fries®. $9.79			Baja Turkey ClubZesty grilled turkey on Texas toast, featuring Chipotle mayo, a mild roasted green chile, melted Pepper-Jack & Cheddar cheeses, crispy bacon and sliced tomato. Served with our Bottomless Steak Fries®. $9.79
	Chicken Tortilla SoupA hearty chicken and vegetable tortilla soup topped with grated Cheddar & Pepper-Jack cheeses, sour cream and tortilla strips.

	Santa Fe Chicken PastaA zesty dish of tender penne noodles and a juicy chicken breast with sautéed onions, bell peppers and smoked Chipotle peppers tossed in a creamy Alfredo sauce. Topped with tomatoes and cilantro and served with house bread. $10.99			Pasta AlfredoChef Alfredo took a liking to Red and taught him the three Ts of pasta: Tender linguini, Terrifically creamy sauce and a Topping of fresh Parmesan. Garnished with fresh tomatoes and served with house bread. $8.99 With Chicken Breast 10.49
	Red's Rice BowlGrilled teriyaki chicken breast tossed with sesame-ginger veggies and mandarin oranges that will really "wok-up" your taste buds. Served on steamed rice. $9.99 With Steak 12.99 With Salmon 11.49 Vegetarian 8.99			Arctic Cod Fish & ChipsPremium, icy cold water Cod filets, hand-battered in a light tempura batter and crisply-fried. Served with our Bottomless Steak Fries® and our original dill'd & pickle'd tartar sauce. $11.49 Salmon & Chips 11.49
	Ensenada ChickenTM PlatterTwo tender, juicy chicken breasts basted with a zesty Mexican blend of seasonings, charbroiled and bursting with Baja-style flavor. Served with a side salad and two dipping sauces: roasted Poblano salsa & salsa-ranch. Muy delicioso! $11.99			Chicken Fajita Sizzlers Tender marinated chicken grilled to perfection with sautéed onions and red & green bell peppers. Tortillas, homemade salsa, guacamole and sour cream to the side - ready for you to build your very own fajitas. $11.99 Steak 12.99
	Steak SlidersSteak Sliders Good things come in threes, so we're serving up three delicious steak sliders. each juicy sirloin steak slider is topped with melted Swiss cheese, fresh-fried onion straws, creamy Chipotle mayo and served on a rustic, hearth-baked bun. $9.99			Clucks & Fries®Chicken breast tenders crisply-fried golden and crunchy. Served with our Bottomless Steak Fries® & ranch dressing for dippin'. $9.29 Buffalo Style 9.29
	Whiskey River® BBQ RibsTickle your ribs with the ultimate finger food! A full rack of tender ribs engulfed in tangy Whiskey River® BBQ Sauce and served with coleslaw & Bottomless Steak Fries®. Finger licking is encouraged! $16.99 Half Order 10.99

	Fajita Fiesta Pollo Salad®Tender, juicy seasoned chicken breast over salad greens with Pepper-Jack and Cheddar cheeses, red and green bell peppers, diced onions, Chipotle beans & tortilla strips, tossed with a creamy salsa-ranch dressing. $9.99			Apple Harvest Chicken SaladFresh field greens tossed with juicy grilled chicken, diced apples, candied walnuts and Goat cheese. Topped with sliced apples and a dijon vinaigrette. It's sophisticatedly fun. Better than the farmers market $10.99
	Mighty Caesar Salad The King of all salads. Fresh, crisp Romaine lettuce, grated Parmesan cheese and croutons, topped with traditional Caesar dressing and served with house bread. $9.99			Asian Chicken SaladGrilled teriyaki chicken breast on crisp Asian salad greens tossed with sweet red peppers and sesame Asian dressing. All topped with mandarin oranges, red onion, fresh cilantro and served with house bread $9.99
	Soup & Salad ComboA steaming bowl of your favorite soup (Chicken Tortilla Soup, Clamdigger's Clam Chowder, French Onion Soup, Red's Homemade Chili ChiliTM) served with a crisp, mixed-greens dinner salad. $8.99			Crispy Chicken Tender Salad Crisp greens topped with lightly fried chicken breast tenders, hard-boiled egg, tomatoes, Cheddar cheese and bacon. Served with house bread and your choice of dressing - we recommend poppy-seed honey mustard. $9.99
	Cobb SaladCrisp greens with tender chicken breast, hickory-smoked bacon, hard-boiled egg, avocado, black olives, ripe tomatoes and crumbled Bleu cheese. Served with house bread & your choice of dressing. $9.99

Enjoy a reasonable meal that is consistently good.

Some people are waiting to buy Metro Detroit real estateand others are jumping into the real estate market. Of course Yun from NAR is spinning again. Like the last 2 years he is calling the bottom and still saying it's a great time to buy.

My thoughts are it's only a good time to buy if you are secure in a job.

It's only a good time to buy if you can afford the payments on a new house.

It's only a good time to buy if you have some extra money as a backup for repairs.

Is it the best time to buy? I don't know that. But interest rates are still very low, homes prices are still down there, and the availability first time home buyer tax credit dollars. So in that context yes it is a good time to buy.

Are we at the very lowest prices of homes? That I don't know. But here are my thoughts. I'm a bear on Metro Detroit's economy and I call myself a realist. Many call me a pessimist for telling the truth as I see it. But we may have reached a bottom here in the metro Detroit real estate market area. Metro Detroit home prices have gone up in the last few months because of all the first time home buyers. But I don't know what next year will bring. Will home prices still trend up, remain flat, or fall again?

Our economy is in the dumps. And we are entering into the second round of the fight. This round is going to bring layoffs of teachers, city employees, county employees, (including police and firemen). Then there is going to be a reduction in state and county spending. This is going to affect road construction, community programs, and public assistance programs.

How will this affect the Metro Detroit real estate Market? I don't know? Because I don't know how many people will be laid off. I don't know how deep the cuts will go. How many people won't be able to make their house payments. How bad will it hurt the Detroit? I don't know. I don't know if this upswing in Metro Detroit home prices is just a 6 month blip or will it continue up? We shall see.

So my advice to you is buy if you are comfortable and don't let any real estate agent or media spin tell you it is right for you. Buy if you are ready, buy if you can afford it, buy if you have a rainy day fund, buy if your job is stable.

Just my thoughts. May today be the day you start planning your financial future.

No joke! In fact when "googled", more than 25 articles were referenced on Page 1

two such caught my attention; they seemed to 'cut to the chase'
Though they are credited here in this post; neither one is lauded, nor discredited by me.

that is for you to do on your own; just 2 items in a plethora of such.

the "Economist" article by David Leonhardt of 17 Nov. 2009 addresses the :

"...meeting of President Obama's board of outside economist advisers two weeks ago, the venture
capitalist, John Doerr..."

which puts the meeting around 3 Nov. 2009 or there about. A meeting that was 'news to me' in fact the whole reality of a "board of outside economic advisers" is fascinating. Just "who" is running our Government?
Mr Leonhardt quotes Mr Doerr as: "...[cash for clunkers...caused change very rapidly]. Well, the equivalent of that for home retrofits would be. "Cash for Caulkers".....we would...engage private enterprise, the likes of a Lowe's or a Home Depot....and use that private capital to incentivize consumers to then work with our out-of-work trades--remodelers, production builders--to do this kind of work."

The board of economic advisers stated that the official name of the program would be "Homestar". Yes, you guessed it, just like the government program "Energystar" that promotes energy-efficient appliances.

the second article is from: TheStreet.com 'Mad Money Recap: Cash for Caulkers" by Scott Rutt.

the article deals with Jim Cramer's "Mad Money" TV show where he [Jim] referenced a stimulus plan proposed by former President Bill Clinton for home weatherization incentives, aptly named " Cash for Caulkers". Cramer apparently stated on this show "...the plan, if passed, could be a huge windfall, if you know which companies will be the beneficiaries."

What, you may be asking right now, is Jim talking about? Well, this show is an investment show with advice on what makes a good portfolio, etc.
He made the point, discover just what companies will be utilized by those 'Caulking" and buy that stock.
Knowledge plus funds make good bedfellows [ my opinion, not Jim's ]

Another google listing on 'Cash for Caulkers' mentioned the impact of walking into a Sears, Lowe's, or Home Depot, seeing the "Homestar" logo with a Homestar representative standing next to it ready to help Joe Homeowner or Helen Handy person. Boggles the mind with LOL options.

The " Official cost" would be $23 B. over two years: involving 10 significant weatherizing projects where the homeowner could choose a project and be REWARDED ACCORDINGLY.
This is all spelled out in David Leonhardt's article.

There is a built-in proviso, where SOME portion of weatherizing projects would be AUDITED to ensure they had done what they were supposed to. [CAPS are mine; WORDING is theirs]
Well, doesn't that just make this all hunky Dory; it will be audited / Monitored?. So Breathe easy--this will be $23 B. well spent.
For this we needed an actual board of advisers--just give the tax money to those already in the related businesses to bolster their ability to perform the needed remodels--what the hey,

Now, I want to know:
....if we, the Homeowner, have already stocked up on various tubes of caulk
....if we, the Homeowner, have many gizmos to apply said caulk stocked up beside the tubes
....if we, the Homeowner, know that it may help to re-caulk some windows [especially 2nd story ones]
....if we, the Homeowner, hire a qualified tradesman to repair said broken or missing caulk, and
....if he or she, the 'caulker' has his / her own stock of tubes of caulk, and
....if he or she, the 'caulker' has his / her own supply of gizmos to apply their own caulk,
....can we, the Homeowner, claim a loss [ of funds] against the stock of tubes, & gizmos

therefore receiving another credit for participating.?


Think we're getting_______? ?
Yes, we probably are.!

Any takers: bet on which Bill this will appear.

Hey, if this doesn't do IT for you, stay tuned--coming soon--early December--The JOBS SUMMIT.

Congratulations Derek Lehr. May your new home with energy star windows, furnace and more bring you low utility bills. Happy decorating!!!! Complete Realty with Matt Watts from ICON Mortgage Lending thanks you for trusting us with your real estate needs... see home here

www.completerealtyllc.com

Angie Ridley, EcoBroker Certified
Serving Real Estate needs in Michigan's Oakland, Genesee, Lapeer and Tuscola Counties
810 744 4600
Angie@AngieRidley.com

Complete Realty, LLC