Phiroum Svy, Covington, WA. Residential Homes, Associate Broker

On Thursday, April 2, 2009 the Economic Development Manager will Hosts a Covington Business Breakfast at the Covington Community Room, 7-9 a.m.

The Community Room is located in the City Hall (16720 SE 271st St., Suite 100, Covington, WA 98042). The event will feature speakers from the Small Business Development Center, the City's Police and Community Development Departments and Frause Communications.

This event is open only to Covington businesses and RSVPs are required to attend by calling Kelly Thompson at 253-638-1110 x2269 or emailing rsvp@ci.covington.wa.us by March 19th. Click on the link below to view the breakfast agenda.

Click here for more information

Quotes by Zig Zigglar "HAPPINESS"

I'm so optimistic I'd go after Moby Dick in a row boat and take the tartar sauce with me.

Most of us would be upset if wesere accused of being "silly."
But the word "silly"comes from the old English wrod "selig," and its literal definition is "to be blessed, happy, healthy and prosperous."

The chief cause of failure and unhappiness is trading what you want most for what you want now.

Be helpful. When you see a person without a smile, give him yours.

Under the "Making Home Affordable Program", now homeowners may be eligilble to refinance with their homevalue being less than what is owed in mortgage balance.

"Making Home Affordable Program".

You may be eligible for a loan modification under this new program if you can answer "yes" to all of these questions. There is no cost to you.

• Own and currently occupy a one-to four-unit home.
• Have an unpaid principal balance that is equal to or less than $729,750 (for one unit properties).
• Have a loan that was originated before January 1, 2009
• Have a mortgage payment (including taxes, insurance, and home owners association dues) that is more than 31% of your gross (pre-tax) monthly income.
• Have a mortgage payment that is no longer affordable, perhaps because of a significant change in income or expenses.

You don't need to be behind your mortgage payments to be eligible. Although, you will need to provide proof that you are struggling to stay current on your payments or at risk of imminent default.

If you are eligible for this plan and are approved, you will be put on a trial modification for three months at a new rate and payments. After the trial period, if you are able to maintain the payments successfully, you will be put on a fixed interest rates and payment for 5 years.

To find out more about the "Home Affordable Program" contact your current loan service provider or your loan officer. I have only provided you with the basic information to help you get started.

**Information is deemed reliable, but not guanranteed and should be indepently verified.**

I was fortunate to have just listed a property where the seller is cooperative when it came to staging. They even set the stage for their backyard by asking me first, "what do you think of a little table and chair here"? Now, that's setting the stage for a cozy little backyard. Set up conversation areas but make sure they all face towards the house.

Pack away the scattered toys and trampolines! Swings, tree houses, sports court and basketball hoops are fine.

The patios and decks should be power washed. The transformations are incredible from it alone. If necessary, restain the deck with beige or gray color - red stains on decks in outdated.

AAHHH the beauty of plants! To de-emphasize unsightly views or flaws on a deck, try using hanging plants

Cover the BBQ Grill if it is questionable in condition. Try not to have it directly outside of the kitchen window or obstucting any views.

Umbrellas can block views too. They can be used to de-emphasize any backyard flaws, otherwise put them down.

Overall keep it green and manicured like your frontyard.