Fargo, ND

These Fargo Moorhead area "Specialists" are a preferred group of contacts that have shown a very high qualification of professionalism & expertise in there fields of work. These Fargo Moorhead area contacts have proven they are the highest qualified individuals my clients and myself have had the opportunity of working with. Financial

• Brian Johnson - Valley Mortgage (Mortgage Lender) 701-461-8452
• Mike Mihulka - Choice Financial (Mortgage Lender) 701-866-5233
• Tricia Jackman - Starion Financial ( Mortgage Lender) 701-793-8048
• Dave Woodard - Bremer Bank (Mortgage Lender) 218-299-7605
• Scott Philbrick - Executive Mortgage (Mortgage Lender) 701-239-0155
• Nicole Freier - Gate City Bank (Mortgage Lender) 701-293-2457

Insurance

• Mark Wagner - Wagner Insurance (Home Owners Insurance) 218-238-5696
• Steve Aune - Country Insurance (Home Owners Insurance) 701-356-0505

Home Inspection

• Troy Schwann - Housemasters (Home Inspector) 701-293-5891
• Ron Flemming - MinnKota Home Inspections (Home Inspector) 701-277-3123
• Corey Langer - Precision Home Inspections (Home Inspector) 701-367-6201
• Dean Foel - Tri State Home Inspections (Home Inspector) 701-297-0254

Home Building

• Jim Sullivan - Sullivan Construction (Home Builder/Developer) 1(701) 570-3580
• Stan Birky - Stan Birky Construction (Home Builder) 218-329-1127

Education

• Jeral Croaker - Family Life Credit Services (First Time Home Buyer Education) 701-232-4673

Please use the following Real Estate Terms if you are searching for area information or please contact Dave Werth. Fargo ND Homes for Sale, Moorhead MN Homes for Sale, Moorhead Real Estate, Fargo Real Estate, Dilworth MN Homes, West Fargo ND Homes for Sale, First Time Home Buyer Fargo ND, First Time Home Buyer Moorhead MN, First Time Home Buyer Classes, Dilworth MN Homes For Sale, Glyndon MN Homes For Sale, Fargo ND Twinhomes for Sale, Fargo Condos, Moorhead Condos, Moorhead Homes, West Fargo Homes, Fargo Homes, Dilworth Homes, Glyndon Homes, Sabin Homes. If there are any terms we have missed, please contact Dave Werth @ 218-790-7653 or davew@kvammerealestate.

Month of December - www.NewRealEstateProperty.com - Dave Werth 218-790-7653 - Kvamme Real Estate

" A little dose of everything all in one email"

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Quote of the Month

"Kind words are the music of the world."

Frederick William Faber (1814 - 1863, British Theologian)

So why the long face?

Long-term rates fell again during the week of Thanksgiving as concern for the economy deepened: the 10-year Treasury fell to 3.27 percent, taking mortgages a hair under 5 percent. However, much of the new data in the holiday-shortened week was quite favorable: new claims for unemployment insurance nosedived to 466,000 last week, a huge drop from the prior 505,000 threshold and 200,000 below the worst of last winter. Another happy surprise: October sales of existing homes surged 10.1 percent, sales of new ones by 6.2 percent, and even purchase loan applications showed a little life. Look for a strong start in February, 2 months earlier than the norm for home sales to start moving. Rates look to move higher in mid 2010 and may be there to stay... Contact your lender for more detailed information...

Personal Growth and Development

Why We Must Connect With Others

It is important to remember that we are human beings. And being human, it is important to realize that we are designed to connect with others. It is the separation of that design that removes the happiness and fulfillment that we all need. It is that connection that allows you to live The Good Life. It is not our calling to go about our lives focused only on what we do at work, and then try to fit our personal lives into the cracks of the day. Our capacity for love, affection, warmth, and friendship are rich and reliable sources of human happiness. The key is to transform the "I" and "U" in our lives into "We." Evolving our lives to a higher level allows us to cultivate a sense of belonging that brings rich rewards of human satisfaction, along with better physical, mental, and emotional health. The key is to connect with others. Connecting with the human race helps to strengthen the wider community and is vital to building a better you.

Restaurant of the Month: PEPPER'S CAFÉ

Pepper's American Cafe
2510 University Dr. S.
Fargo, ND 58103
Phone: 701.232.2366
South Fargo

Looking for a Restaurant, check out this Chamber link to over 350 Restaurants to choose from: http://www.fargomoorhead.org/restaurants/index.php?v=style

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RECIPE OF THE MONTH - "9 Layer Holiday Dip"

Ingredients

•· 4 slices lean bacon

•· 1 (16 ounce) can refried beans, plain

•· 1/2 cup sour cream

•· 1/2 teaspoon taco seasoning

•· 3/4 cup shredded chedar cheese

•· 3/4 cup guacamole (Frozen or Prepared is Fine)

•· 1/3 cup diced tomatoe (about 1 Romano Tomato)

•· 1 tablespoon fresh cilantro, chopped finely

•· 2 tablespoons sliced black olives

•· 2 tablespoons finely sliced green onions

Fry diced bacon until done, add refried beans and cook slowly and stirrer frequently until the bacon and bacon drippings are mixed through about 15 minutes, remove from heat. Mix taco seasoning with sour cream and set aside. To built 9 layer dip place ingredients in this order. Place refried beans on serving platter spread out to 1- 1 1/2 inches thick. Then layer: 1/2 C shredded cheese, 1/2 C prepared sour cream, 3/4 C guacamole, diced tomatoes, diced cilantro, black olives, sliced green onion, and 1/4 C cheese for garnish Serve with chips..

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Snowmobile Enthusiasts

Snow is soon upon us and inevitable! Keep up to date on your weather this season and visit: http://www.noaa.gov/

Also, if your looking for a few friends to go riding with? Check out http://www.claytrails.org/ for events, trail information, upcoming dates, and places to go riding!

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Managing Your Debt - For Couples Being Married and Handling the Money by Carol Ann

Many times, one person in the relationship is primarily in charge of the finances, but it really should be a team effort. When a couple is not on the same page, it's extremely hard to reach any debt elimination goals, much less overall financial goals.

Getting married always brings sets of issues to the table, the biggest problem area can be the financial area. Lack of communication is generally the instigator for the problems to arise. So it's crucial that the communication stays open even if only one person is handling the normal processes, both need to know what's going on.

Now you may think that you are taking on all the financial responsibility by being the one who is shouldering the burden of paying the bills, however what you may truly be doing is making your spouse reliant on you. If your spouse is not aware of all the financial information, then if something happens to you, how will they go on? Will they know what bills are due and who to pay? Or will they even know which bank their money is in? If you think it's a protective measure to keep negative financial information from your partner, you're wrong; it's a good way of causing a problem. Even if money problems are all around, it's fair to let your spouse know what is happening in the household budgets. You don't have to talk about it every day but at least do an update once a quarter.

Communicating about the finances can take a couple of different paths. One way is to have separate bills and separate accounts, this works well for some. Another way is to have a book where the money coming and going can be noted, then the spouse can look at it and it doesn't have to be a daily discussion. The best scenario is for both partners to be engaged in the handling of financials whether they are negative or positive. Sharing information makes it a team effort so that everyone works toward the same goal. Prior to making any decisions regarding your ‘saving marriage' problems, visit www.LightYourFire.com. Their professionals can assist you in reviewing some marriage programs which would be helpful for you. Let www.LightYourFire.com show you the many ways they can find a solution to the issues.

Invest In Your Future - An Offer You Can't Refuse?

Many of us have heard the term "down-sizing." Down-sizing in corporations has taken its toll on the American worker. Many people, ranging in age from their late 40s to early 60s, now face very difficult employment decisions. In record numbers, employers in almost all industries are asking middle-aged, middle managers, to consider "early retirement." The offers may range from lucrative to paltry, but the decisions are difficult in almost every case. Let's review some of the factors to consider when evaluating one of these "offers you can't refuse." You must consider three levels of concern when contemplating retirement. First, you must consider the emotional aspects of an early retirement decision. It is possible, in fact probable, that you never considered retiring today. For many people, especially those in their 40s and early 50s, retirement is still a hazy goal, far off in the future. They may not have given any thought to what they will do during retirement, whether they will seek other employment or any of a myriad of other opportunities. The offer of early retirement can affect those who choose to stay with the company as well. Will they have the same, hopefully positive, feelings toward their employer and supervisor? Early retirement programs are often instituted by companies undergoing stressful and uncertain times. Staying around may seem almost as difficult as leaving. You may be unable or unwilling to make financial decisions until you confront these emotional and psychological issues.

The second level of concern is financial. Obviously, you have two choices: do I stay, or do I go? If you choose to stay, what is the financial health of the company? Should you take the money and run? If you stay, what are the prospects for career promotions and pay increases? Will staying merely postpone an inevitable career change, under perhaps less advantageous circumstances? Of course, leaving is also fraught with uncertainty. If you intend to pursue another position, many experts estimate that your job search will last about one month for every $10,000 in compensation paid by the former employer. Many early retirees become entrepreneurs, so the prospects for a new business and the need for start-up capital must be considered. When evaluating the retirement offer itself, there are also a variety of potential pitfalls. Health insurance is a major concern for many, so find out whether you will continue to be covered. Employers with defined benefit plans may be granting additional years of service or assuming early retirees are older than their actual age for purposes of computing their benefit. The employer may also offer some additional benefit to tide the employee over until age 62 when they can begin to collect Social Security.

The third level of concern consists of the tax issues that come into play. Numerous special rules may apply. For example, those who were at least 60 on January 1, 1996 may qualify to use ten-year forward averaging. Those who are 55 or older when they receive their retirement plan distribution are not subject to the 10 percent penalty. If you elect to pursue the substantially equal payment exception to the 10 percent penalty, the payments must continue for the longer of five years or turning age 59 ½.

Of course, this brief article is no substitute for a careful consideration of all of the advantages and disadvantages of this matter in light of your unique personal circumstances. Before implementing any significant tax or financial planning strategy, contact your financial planner, attorney or tax advisor as appropriate. Feel free to call me at 817-501-6950 any time.

Greg Hutto
Chartered Financial Analyst
Certified Financial Planner
Riley Hutto Wealth Management, LLC

Thank you for taking the time to read this months email. If you have any suggestions, questions, or input, please do so, as every month is just a little more interesting with your help!!!

Sincerely,

Dave Werth

218-790-7653 Cell

218-236-7534 Fax

davew@kvammerealestate.com

www.NewRealEstateProperty.com

Kvamme Real Estate

3401 S. 8th St.

Moorhead, MN 56560

Real Estate Definition & Terms “A piece of land, including the air above it and the ground below it, and any buildings or structures on it. also called realty.” Real Estate Terms commonly used: First Time Home Buyer, First Time Homebuyer, HUD Homes, Best Assets HUD Homes, Best-Assets HUD Homes, Realtor, Realtors, Real Estate Agent, Real Estate Professional, Personal Property, abandonment option, abeyance, title, asset class, REIT, capital asset, fixed asset, closing statement, mortgage, REMIC, commercial property, economic rent, income property, passive income, listing, exclusive listing, illiquid, non-financial asset, right of redemption, tenancy, time-sharing, real estate owned, Listing Realtor, Exclusive Realtor, Buying Realtor, Listing Agent, Buying Agent, Buyers Agent, For Sale By Owner, Home for sale by owner, For Sale, Realtors, & Real Estate Specialist, 1031, 1031 Exchange, Short Sales, Pre Foreclosure, HUD properties, Foreclosures, Sheriff Sale, Redemption Period, Equitable Redemption Period, Statutory Redemption Period, Early Move in Agreement, Purchase Agreement, Property Condition Statement, Lead Based Pain Addendum, Addendum, Disclosure, Contact Dave Werth Realtor with any Real Estate Questions you might have or Real Estate terminology you are interested in understanding. Information on HUD Programs, REPO's, Foreclosures, Short Sales, & Discounted Property's in the Fargo or Moorhead Real Estate markets. Dave is the Northwest territory representative for HUD homes. Working with Best Assets, Dave has the detailed information on all HUD homes in Moorhead, and surrounding area HUD homes within 200 miles of Fargo & Moorhead. HUD homes are FHA guaranteed homes that went into foreclosure and are offered for sale on Best Assets. Purchase a HUD home through Dave and find out how to get the lowest price on a HUD home with his resources. Dave Werth, FM Area Realtor is one of the best sources for people searching for RELOCATION DEPARTMENTS such as jobs, homes, education, food, and entertainment. I have created this website with its numerous search tools to help people browse the multiple listing system on their own & at their own pace. When they are ready to relocate or make a move, I am ready for them to give me a call. Buyer's Agents working with me, have access to ALL companies and ALL the homes for sale located on the MLS. It is my obligation to find property for my clients, buyers, & sellers. Talk to Dave Werth Realtor about searching, buying, and selling Fargo Moorhead area Homes and Fargo Real Estate, Moorhead Real Estate, West Fargo Real Estate, or any of the Fargo Moorhead Rural Real Estate Property all the way to the Lakes Area Real Estate! Dave Werth Real Estate Agent & Real Estate Specialist offers property information related to buying and selling homes for sale in Moorhead and Fargo..... and links for listing information about North and South Fargo & Moorhead neighborhoods, Downtown Fargo businesses, West Fargo and Fargo Moorhead schools, house value, area home values, appraisals, taxes and special assessments, Cass and Clay County and FM area maps, mortgage financing in Fargo, buying tips, selling tips, relocation information for Fargo ND and Moorhead MN, and almost anything else related to living in or working the FM area. . Please see the links to MLS Property Search listed on the home page, as well as Featured Listings, and Selling links. Find Fargo and Moorhead residential condos, condominiums, town homes, twin homes, investments, real estate and new construction properties marketed for sale and for rent by Top Fargo Moorhead Realtor Dave Werth. NewRealEstateProperty.com offers information on VA, HUD, Multiple Listing (MLS), Owners (FSBO), Banks, Apartments Association, Commercial Agents, and Homebuilders. Explore the communities of Fargo, Moorhead, Dilworth, West Fargo, Hawley, Glyndon, Harwood, Reiles Acres, Detroit Lakes, Sabin, Horace, Harwood, North Fargo, South Fargo, and Casselton. This site has extensive Fargo and Moorhead information links, consumer links, school information, free reports, answers to commonly asked real estate questions, Use these key terms to find information about a specific Realtor, MLS Listing, MLS Fargo Homes, MLS Moorhead Homes, Fargo Homes for sale, Moorhead Homes for Sale, For Sale by Owner, Fargo Moorhead Homes for sale, FSBO, Fargo Property for Sale, Moorhead Property for sale, Fargo Realtors, Fargo Moorhead Realtors, Moorhead Realtors, Homes for Sale Fargo, Homes for Sale Moorhead, Homes for Sale West Fargo, and Homes for Sale Dilworth. First Time Home buyer Dave Werth, First Time Home buyer Fargo, First Time Home buyer Moorhead, or First Time Home buyer Fargo Moorhead Please visit the First Time Homebuyer link on the home page for information on First Home buyer Loans & First Time Home Buyer Classes ! North Dakota and Minnesota have specific programs for First Time Home Buyer Programs. If you're thinking about buying a home, attend The Home Buyer Homebuyer Education Program, & First Time Home Buyer Classes. The program can help you qualify for down payment and closing cost assistance from the city of Fargo, ND, and the city of Moorhead, MN. Free Home Buyer Assistance is available for First Time Homebuyers with Free counseling. Plan now to home buyer FREE homebuyer education classes and individual financial counseling sessions. Contact Dave Werth for additional information on First Time Home Buyer classes and dates. Dave Werth - ABR Kvamme Real Estate davew@KVAMMEREALESTATE.COM

We invite you to visit the best North Dakota Real Estate School. Our North Dakota Real Estate Courses are fully accredited and approved. Our North Dakota real estate school is one of the leading online Real Estate Schools in North Dakota offering the best prices for ND online real estate courses available. Licensed Instructors are available to assist you with your North Dakota Real Estate course and North Dakota real estate license. http://www.rowlettcareerschool.com/nd-north-dakota.htm

The secret to passing the North Dakota real estate license exam is in knowing exactly what is most important to the regulators and knowing the right information to pass the exam. Our first time passing rates meet or exceed any other provider including in-class instruction.

Our online real estate school offers pre and post licensing and continuing education for North Dakota Real Estate, Appraisal, Home Inspection, Mortgage Broker, Land Surveyor, Engineer, Personal Finance, Professional Development, Counselor, Social Work, Tax Assessor, funeral director services, consumer education and legal CEU. http://www.rowlettcareerschool.com/nd-north-dakota.htm

One of your first decisions is whether to take an North Dakota real estate course in-class or online. Adding to that challenge is choosing a provider that gives you the highest chance for success in passing your North Dakota real estate exam on your first try. Choosing an education provider with a Proven Track Record Guarantees you have the foundation of knowledge to succeed. You can be on your way to becoming a North Dakota Real Estate Professional in just One Click of the mouse! Let your career start here with Rowlett Career School.

Free Classes For Our Troops

Free Course for our troops. >click here. <

members of our Armed Forces who have served our country in Iraq or Afghanistan, by offering"for free" the Florida classroom 63 hour Real Estate course. We will also extend this offer to the spouse of any member of the armed forces who is currently serving in Iraq or Afghanistan. (OEF/OIF Vets) For more information and qualifications, call Captain Wayne Rowlett, 1800-482-1375

North Dakota Real Estate Courses "A mouse Click Away http://www.rowlettcareerschool.com/nd-north-dakota.htm

North Dakota Real Estate Courses

• Continuing Education

North Dakota Appraisal

• Appraisal Exam Prep

North Dakota Home Inspection

• Home Inspection License Course
• Continuing Education
• ASHI Courses
• NAHI Courses
• NACHI Courses

North Dakota Mortgage Broker

• Not at this time

Legal & Consumer Ed. Courses

• Credit Restoration
• Foreclosure Prevention
• Personal Financial Management
• Saving your Home From Foreclosure
• Avoid Homebuying Mistakes

• Legal CEU

Professional Course List

• Land Surveyor (PDH)
• Professional Engineer (PDH)

• Personal & Professional Development
• Counselor
• Social Workers