Okay, got your attention, didn't I ? It's not really free - Donation to the wonderful organization, the Salvation Army.
"The Sally" is forever near and dear to my heart because thanks to their long-term drug and alcohol recovery program in Stocton, CA , my brother is alive and fluorishing today! So come join us for Olive Garden lunch and make your donation! They have a very friendly staff and warm environment. Cheers!
The following article was published in the Kitsap Peninsula Business Journal. www.kpbj.com :
As part of the observance of National Hunger and Homelessness Week, a spaghetti feed has been organized for the community at the Salvation Army, located at 832 6th Street in Bremerton, from noon to 2pm on Nov. 21 (Saturday)
It is a fundraiser to support the Salvation Army by the Silverdale Olive Garden. Donations of any amount will be accepted.
My boys and I are headed out to the Brownsville Elementary Holiday Craft Fair today, Nov. 14. I believe it runs from 10am to 4pm today and tomorrow. Why is this one my favorite? It is a truly down-home feeling craft fair! Artisans include many local people in the community - Brownsville parents, students, and several other members of the Kitsap County community feature their wares there. For me, it's a fantastic feeling knowing that my shopping dollar goes back to benefit my sons' school as well as local people. The retail chains don't need my every last penny! The craft fair also has great holiday smells, colors, and ambiance. You can shop while keeping your hands warm and wrapped around a cup of cocoa. Hope to see you there!
Brownsville Elementary School 8795 Illahee Road, Bremerton, WA http://brownsville.cksd.wednet.edu/
Other great holiday craft fairs in Kitsap County can be found here: http://www.kitsapsun.com/news/2009/oct/31/holiday-bazaars/
So bundle up, wrap around that scarf, and enjoy all the treasures of the holiday shopping season! CHEERS!
Very important to read these items: Income limitations, details about your current home ownership, and FAQs to see if this new tax credit applies to YOU:
What to do when your house just doesn't "do it" for you anymore
Like a romantic relationship, how we all feel about our homes is about sparks, love, joy, and comfort. It's the place where LIFE happens. When you're in love, there's nowhere you'd rather be than with that person. With a house, you can't wait to get there. Some days it's thrilling, some days it comforting, and even when it gets messy, it's worth every effort to make it shine again. Unlike a relationship, evaluating your love for your home doesn't have all the moral compass issues. SO - when your house doesn't do it for you anymore, you CAN trade it in for another without feeling like a dirtbag. You're allowed to get excited at the prospect of your next great love!
Most of my friends have been in their homes for a number of years. I've been in my home for 9 years now. Many people I know have been in their homes for 5 years or more. During those years, finances were tight in the beginning, but many of us have added another income as kids have gone off to school, and/or one person's career has really fluorished. We all bought at a good time in the real estate market: Prices had not done the crazy price "boom" yet and we thought 7.5 and 8% interest was fabulous! So now, what if I told you you could sell that house - instead of feeling stuck and unable to sell in this market - Make a profit, get an interest rate in the 5%s, AND get a $6500 tax credit from the government ?
Let's say you bought a home in Silverdale in 2004 for $250K. You re-financed and now owe $290K. You get a free CMA from your trusted Realtor and discover that you can more than likely profit $20 - 30,000.00. The house you've been driving by and admiring is now on the market for $450,000.00. You contact your trusted local lender and find out that you qualify for an FHA loan with 3.5% down. That means your down payment is $15,750.00. You now realize you can price your home a little lower, sell it more quickly, and profit $20,000.00 - More than enough to purchase your hot new dream home!
If you still love your home and are willing to work to make it shine on and on and on -by all means, stick by her! If your house just doesn't do it for you anymore, this is a historically great time to buy a home. Prices are down, rates are down, many safe loan programs are still available, and there's cash back from the government on top of it all!
Check out Melanie's excellent tips:
http://activerain.com/blogs/mrowe
She is definitely my preferred lender! When my clients/friends/family take her advice, and follow her advice, they are NEVER sorry and they're able to achieve their financial and home buying goals more quickly.
Friendly, FUN, real and hard-working! YOUR ADVOCATE. Not just a Realtor, an Accredited Buyer Representative (ABR)
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