Is your little one about to turn a year older and are you looking for ways to make it great but still save some $$$ in the process? Look no further! Hickory Dickory Dock is currently offering free birthday parties for children.
You heard it right! Free birthday parties. The Dock is offering these birthday parties for up to eight children, Mondays through Thursdays and include two slices of pizza per child, chips, unlimited drinks, a themed birthday cake, invitations to the party, soft play, inflatable bounce, mini-golf, 10 tokens, bumper cars and the option to get 100 tokens for $20. And of course, a t-shirt for the birthday boy/girl. The cost for any additional kids over the included 8 would be $8.20 per child.
Eddie Mitchell, general manager at Hickory Dickory Dock, says that the business plans on running this special deal to the end of the year.
Hickory Dickory Dock is located at 825 Highway 70 SE Hickory, NC 28602. The phone number is 828 322-3625
Check them out on the web: Hickory Dickory Dock
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And the World!
On the Web: RogerAJohnson.com
On the Phone: 828-568-2121 ext 310
By email: rogerajohnson@century21.com
As an agent, have you heard that one recently? Are you a buyer that is currently saying this or something similar? If so, I ask you, WHY? What are you waiting for, exactly? If you're trying to 'time' the drops in interest rates, it's like playing Russian roulette with your payments. Don't do that! Focus on what and where you want to buy, getting a good price for it, and buy NOW!
There are many reasons not to wait on lower interest rates in order to buy your home. If you're reading the news, you'll know that the terms of lending are changing on almost a daily basis. Not by much and not anything major, but if you're in a category that is 'on the fence' of getting cropped off for that BEST RATE plan, or worse, of lending at all, rating on a lower rate is only hurting your attempt at getting into a home.
If you are a first time home buyer, it is reported that on Tuesday, Feb 17th, 2009, President Obama will sign into law the new Stimulus Plan, which includes an $8,000 tax credit for you. If you continue to wait on a better interest rate, then you may lose out on a pretty major tax credit. What's the old saying there, "Pennywise but Pound Foolish," isn't it?
Finally, and probably the most important of the reasons, is that when playing the interest rate game, you stand to lose a lot more than you'll ever gain. Here's what I mean.
Today, the best, on average, interest rate that you can get is about 4.75%. If you'll there and you're waiting on a drop to 4.5%, that's a difference of only about $14 a month on a $100,000 mortgage. Sounds good, right? But, what if the rates actually climb? What then? If the rate only goes up to 5%, that makes the monthly about $537 a month, or a $16 JUMP in monthly.
Let's take a bigger swing. If rates were to drop to 4% (which ain't gonna happen without Gov't intervention, IMO, Folks), on that same $100K note, you'd have an estimated payment of about $480/month, or a $41 savings compared to today's 4.75% interest rate. But, if rates shot up to 5.5%, then your monthly payment goes to about $568/month, or $47 INCREASE in monthly.
One final thing that a lot of the "rate waiters" are missing is that they are putting more emphasis on the monthly payment than the home. Yes, the payment IS important, but while you're playing the waiting game on interest rates, the home of your dreams could be going to someone else. Are you prepared to lose that potential in order to save $10-20 a month on a payment?
Food for thought!
Here are five more posts by Roger that you may have missed.
1. Things to Know Before Calling a "We Buy Houses" Ad
2. Do I Need a Buyer's Agent When Searching For a Home?
5. Snuggies Blanket the World!
Call Roger for all your Real Estate Needs.
Your Source For Hickory, NC Real Estate
And the World!
On the Web: RogerAJohnson.com
On the Phone: 828-568-2121 ext 310
By email: rogerajohnson@century21.com
Recent news reports that the initial review of the new stimulus plan has indeed cut out the proposed $15,000 tax credit for home buyers. But, apparently, there is a new proposal in the new stimulus plan for an $8,000 tax credit.
There aren't a lot of details as of yet, but this tax credit would be for first-time home buyers only (not any home buyer, as was with the $15K plan) and it would be an actual tax credit. In others words, it will not have to be repaid.
At this time, it's unclear exactly when the tax credit would take effect. It could be at the signing (and President Obama wants to sign by Monday at the latest), or as it's been rumored, it would count toward anything bought as of Jan. 1st, 2009. The tax credit would run until either July 31st or Aug 31st (again, details vary here). You'd have to purchase a home by that time in order to qualify.
There has been no word at this time whether or not this new credit, if passed, will cancel the previous $7,500 1st time home buyer tax incentive. The current $7,500 plan must be repaid over a period of years.
2/21/09 UPDATE: Here's a link to my newest post on the subject: $8,000 Home Buyer's Tax Credit: Things to Know
It's all over the news wire! A new deal has been reached on the the newest stimulus plan which is coming in at $789 Billion right. Unfortunately, the newest deal also has effectively cut out the proposed $15,000 Home Buyer Tax Credit.
That's right, folks. One of the keys to jump starting housing again, and something that many buyers have been waiting on the sidelines for weeks to see what happens, has, at this time, been eliminated from the Stimulus Plan. The main reason cited for it's removal was to try to pare down the cost of the plan.
Details are still sketchy, it there may be a provision to keep the original $7500 first-time homebuyer tax credit/loan in place for awhile longer.
While this is only the newest proposal of the deal, it's very doubtful that the Home Buying Tax Credit will be put back in. Personally, I think that this was one of the best ideas to come out of the plan and it simply amazes me that the boys (and girls) on Capitol Hill site housing has the root of the recession and then cut out the one thing that would be a positive to housing. Let's all hope that a miracle will happen and at least some form of this proposal survives.
The first stage of a full passing on the new stimulus bill has happened. Tonight, the Senate has reached an agreement betweent the Democrats and key Republicans in order to move forward on this economic measure.
The $780 Billion is a combination of tax cuts and new spending and has actually been trimmed considerably from the initial $937 Billion measure.
This IS the measure that includes the $15,000 tax CREDIT for all Home Buyers that everyone has been talking about recently.
You can read the full news report HERE.
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Realtor for CENTURY 21 American Homes. Specializing in Residential Sales, Investment property and Shortsales.
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