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Golfing with a shotgun - how I mix my passion with business by Bo Kociuba, Yukon Realtor, www.Okla-OK.com

05-20-09
Bo Kociuba
Bo  Kociuba: Real Estate Agent in Yukon, OK

Shotgun sports - tradition, art and skillA little over a year ago I could never imagine that I would love this sport. Not even in my wildest dreams I could see my picture holding a shotgun!

I am a creative spirit and decorating, designing or holding a brush with a blob of oil paint was (and actually still is) a passion of mine. Holding a shotgun? ... Neeeh... - big stretch!

There is something very attractive about a shotgun. The metal part which is actually it's heart, is almost always beautifully engraved. These are a definite works of art.

It takes a lot of skill, artistic talent and imagination to achieve this kind of a result. And also I am very positive that a little of the artist's soul is included in these masterpieces. All of them are one of a kind, so unique. Look at the pictures and judge for yourself. Be at awe just by looking at them...Shotgun sports - tradition, art and skill

This is what got me interested in the shotgun first...then the people I met, the camaraderie, the willingness to support and help. it's like playing golf but with a shotgun. Discipline and practice. I made lots of great friends while trying to conquer the skill and techniques.

The challenge of sporting clays lies in the fact that you shoot at a nearly infinite variety of targets. The game requires a fine balance between the well-honed instincts of a good wing shot and the controlled, measured performance of a clay target veteran. Shotgun sports - tradition, art and skill

It takes a lot of practice in order to get a 'feel for the skill'. It is a challenge! I try to understand the game, memorize the presentations, get more knowledge to become better...It is an addiction! It is a healthy addiction for that matter.

Sporting Clays at Quail Ridge by Bo Kociuba, Yukon RealtorSporting clays shooting is one of our western traditions. I have discovered this wonderful sport and hope that with my competitive streak I will continue to get better. I hope to meet more interesting people, make many more good friends and spread the word about this great and challenging sport.

Would you like to give it a try? I would love to have you as my guest at my club at Quail Ridge in Tecumseh, OK or Silverleaf in Guthrie, OK both of them just miles from metro OKC.

LET'S BRAKE SOME CLAY TOGETHER!

With smiles,

Bo in Yukon

PS. Yes, it is me in the pic above...

CNN reports that Oklahoma Home sales are up 4%

Chris & Jenita Sonaggera Coldwell Banker Select: Real Estate Agent in Yukon, OK

atest home prices: Jan. - Mar. 2009

The national median home price fell a record 13.8% during the first quarter of 2009. Check how prices fared in your hometown.

NAR 1st quarter 2009 home prices
Metro Area State Median home price
1st Quarter Percent change from
1st Quarter 2008
Akron OH $50,100 -48.0%
Albany-Schenectady-Troy NY $184,500 -4.9%
Albuquerque NM $182,600 -4.1%
Allentown-Bethlehem-Easton PA-NJ $218,000 -8.0%
Amarillo TX $122,000 -0.2%
Anaheim-Santa Ana CA $435,800 -28.3%
Appleton WI $110,300 -8.4%
Atlanta-Sandy Springs-Marietta GA $115,600 -24.9%
Atlantic City NJ $219,100 -21.0%
Austin-Round Rock TX $182,300 -1.2%
Baltimore-Towson MD $245,800 -9.1%
Barnstable Town MA $276,700 -22.1%
Baton Rouge LA N/A N/A
Beaumont-Port Arthur TX $129,100 5.0%
Binghamton NY $110,300 0.5%
Birmingham-Hoover AL $130,400 -14.9%
Bismarck ND $153,300 -0.1%
Bloomington-Normal IL $153,800 1.9%
Boise City-Nampa ID $157,100 -18.8%
Boston-Cambridge-Quincy MA-NH** $290,700 -18.7%
Boulder CO $328,400 -7.7%
Bridgeport-Stamford-Norwalk CT $347,400 -20.9%
Buffalo-Niagara Falls NY $99,200 2.7%
Canton-Massillon OH $66,200 -25.2%
Cape Coral-Fort Myers FL $87,300 -59.1%
Cedar Rapids IA $127,300 -2.0%
Champaign-Urbana IL $141,600 1.6%
Charleston WV $188,200 -6.6%
Charleston-North Charleston SC $119,200 2.1%
Charlotte-Gastonia-Concord NC-SC $171,500 -11.0%
Chattanooga TN-GA $117,900 -5.8%
Chicago-Naperville-Joliet IL $185,600 -25.6%
Cincinnati-Middletown OH-KY-IN $106,500 -17.1%
Cleveland-Elyria-Mentor OH $69,900 -31.5%
Colordo Springs CO $180,000 -13.8%
Columbia MO $152,600 6.0%
Columbia SC $134,300 -5.2%
Columbus OH $118,300 -10.4%
Corpus Christi TX $126,300 -7.7%
Cumberland MD-WV $114,900 21.1%
Dallas-Fort Worth-Arlington TX $135,700 -4.7%
Danville IL N/A N/A
Davenport-Moline-Rock Island IA-IL $100,300 13.8%
Dayton OH $79,700 -20.7%
Decatur IL $77,100 -2.9%
Deltona-Daytona Beach-Ormond Beach FL $128,700 -26.7%
Denver-Aurora CO $192,900 -13.7%
Des Moines IA $137,300 -7.2%
Detroit-Warren-Livonia MI N/A N/A
Dover DE $201,000 1.0%
Durham NC $171,500 -3.8%
El Paso TX $77,100 -6.4%
Elmira NY $132,800 -0.8%
Erie PA $85,900 -11.1%
Eugene-Springfield OR $210,800 -7.3%
Fargo ND-MN $134,100 -2.0%
Farmington NM $191,200 0.7%
Florence SC $98,500 -15.7%
Ft. Wayne IN $80,600 -9.1%
Gainesville FL $160,300 -14.9%
Gary-Hammond IN $92,000 -25.8%
Glens Falls NY $156,600 -4.0%
Grand Rapids MI $72,000 -30.0%
Green Bay WI $138,400 1.0%
Greensboro-High Point NC $129,700 -8.9%
Greenville SC $142,000 -8.1%
Gulfport-Biloxi MS $132,800 -4.5%
Hagerstown-Martinsburg MD-WV $167,100 -13.3%
Hartford-West Hartford-East Hartford CT $222,300 -10.1%
Honolulu HI $570,000 -8.1%
Houston-Baytown-Sugar Land TX $138,500 -6.7%
Indianapolis IN $94,600 -11.8%
Jackson MS $122,600 -0.8%
Jacksonville FL $154,100 -17.0%
Kalamazoo-Portage MI N/A N/A
Kankakee-Bradley IL $116,600 -2.3%
Kansas City MO-KS $126,600 -9.2%
Kennewick-Richland-Pasco WA $159,300 -2.7%
Kingston NY $194,300 -18.3%
Knoxville TN $138,600 -5.1%
Lansing-E.Lansing MI $65,600 -29.1%
Las Vegas-Paradise NV $155,300 -37.3%
Lexington-Fayette KY $133,800 -3.7%
Lincoln NE $132,400 -1.2%
Little Rock-N. Little Rock AR $125,400 -1.4%
Los Angeles-Long Beach-Santa Ana CA $303,500 -34.1%
Louisville KY-IN $121,100 -8.0%
Madison WI $208,500 -0.04
Manchester-Nashua NH $215,700 -12.0%
Memphis TN-MS-AR $96,100 -13.3%
Miami-Fort Lauderdale-Miami Beach FL $206,000 -35.4%
Milwaukee-Waukesha-West Allis WI $201,500 -1.4%
Minneapolis-St. Paul-Bloomington MN-WI $174,100 -12.9%
Mobile AL $127,900 -1.5%
Montgomery AL $122,500 -8.4%
NY: Edison NJ N/A N/A
NY: Nassau-Suffolk NY $216,500 -15.3%
NY: Newark-Union NJ-PA $150,800 -4.0%
Nashville-Davidson--Murfreesboro TN $374,500 -16.0%
New Haven-Milford CT $429,900 -12.8%
New Orleans-Metairie-Kenner LA $320,900 -11.3%
New York-Northern New Jersey-Long Island NY-NJ-PA $376,700 -18.6%
New York-Wayne-White Plains NY-NJ $358,200 -12.5%
Norwich-New London CT $199,600 -18.5%
Ocala FL $108,600 -25.4%
Oklahoma City OK $129,900 4.0%
Omaha NE-IA $129,000 -2.9%
Orlando FL $154,800 -33.3%
Palm Bay-Melbourne-Titusville FL $114,300 -28.0%
Pensacola-Ferry Pass-Brent FL $137,200 -12.2%
Peoria IL $109,800 -7.7%
Philadelphia-Camden-Wilmington PA-NJ-DE-MD $206,000 -6.7%
Phoenix-Mesa-Scottsdale AZ $129,200 -41.9%
Pittsburgh PA $103,400 -7.3%
Pittsfield MA $180,000 -16.9%
Portland-South Portland-Biddeford ME $192,100 -17.9%
Portland-Vancouver-Beaverton OR-WA $248,600 -13.3%
Providence-New Bedford-Fall River RI-MA $202,400 -23.0%
Raleigh-Cary NC $223,000 -2.2%
Reading PA $145,200 -2.2%
Reno-Sparks NV $209,800 -26.0%
Richmond VA N/A N/A
Riverside-San Bernardino-Ontario CA $172,500 -39.9%
Rochester NY $105,600 -2.7%
Rockford IL $100,000 -13.2%
Sacramento--Arden-Arcade--Roseville CA $169,300 -34.5%
Saginaw-Saginaw Township North MI $30,300 -53.7%
Saint Louis MO-IL $100,900 -16.9%
Salem OR $200,000 -8.5%
Salt Lake City UT $230,100 1.9%
San Antonio TX $148,300 -1.0%
San Diego-Carlsbad-San Marcos CA $323,200 -29.6%
San Francisco-Oakland-Fremont CA $402,000 -42.7%
San Jose-Sunnyvale-Santa Clara CA $450,000 -42.3%
Sarasota-Bradenton-Venice FL $155,200 -40.8%
Seattle-Tacoma-Bellevue WA $315,200 -15.3%
Shreveport-Bossier City LA $136,000 3.4%
Sioux Falls SD $95,500 -29.8%
South Bend-Mishawaka IN $61,800 -23.6%
Spartanburg SC $109,100 -16.3%
Spokane WA $180,000 -2.7%
Springfield IL $111,400 3.9%
Springfield MA $170,100 -14.1%
Springfield MO $116,300 -3.8%
Syracuse NY $113,700 3.1%
Tallahassee FL $156,000 -10.0%
Tampa-St.Petersburg-Clearwater FL $135,300 -26.7%
Toledo OH $65,500 -27.0%
Topeka KS $106,500 3.1%
Trenton-Ewing NJ $252,500 -12.4%
Tucson AZ $176,400 -20.2%
Tulsa OK N/A N/A
Virginia Beach-Norfolk-Newport News VA-NC $201,000 -8.2%
Washington-Arlington-Alexandria DC-VA-MD-WV $279,400 -25.0%
Waterloo/Cedar Falls IA $97,300 -6.4%
Wichita KS $108,700 -3.5%
Worcester MA $189,600 -23.6%
Yakima WA $143,500 -3.3%
Youngstown-Warren-Boardman OH-PA $51,200 -0.244
U.S. $169,000 -13.8%
NE $235,500 -15.9%
MW $132,400 -6.8%
SO $146,600 -10.8%
WE $237,600 -19.8%

Rain, rain go away...and how these gloomy days got me into action...By Bo Kociuba, Yukon, Realtor, www.Okla-OK.com

05-14-09
Bo Kociuba
Bo  Kociuba: Real Estate Agent in Yukon, OK

RAIN, RAIN GO AWAY...

Rain & Realtor's Ramblings in Yukon, OKFor the last 18 days we had only one day without a single drop and that wasn't even for a whole 24 hours...

Until today I almost forgot how the sun looks like, not to mention how it feels when it shines. Gloomy, overcast and rainy days seem to be on our calendar for a few more days...I laugh about it (what else is there to do for the optimist like me) and say that I started growing green on my body - LOL...

Truly in my garden I have rocks which are covered in moss and they look awesome! Patiently, however, I wait for the summer to come very soon...

Being an optimist as I am, I tried to snap out of this 'hibernation' and get into some kind of action ... like a good project or someting like that to catch up and ... I dipped into my 'to do bag'...and you know, I found plenty there! Since Realtors are not 'normal' people we always race with time and things to do.

I didn't go to the office, I just stayed at home and worked on my database, client call and correspondence. Recently I purchased a new contact management software and try to integrate all of my tools to work with Microsoft Outlook.

Finally I categorized, organized, applied plans, updated details and info etc. etc...I called a lot of my clients and got things rolling like a rolling thunder...it was so nice to have this 'burden' getting off my list!

It is a slow process...but it has to be done. As always the beginnings are the hardest part of action. I have not yet finished my updates, calls and correspondence but the majority is behind me!

So what can I say...Rain, rain go away but I think I am glad that it was here to stay. Activity breeds productivity!

With green smiles (I hear a thunder again),

Bo

PS. To search for homes in Yukon, Mustang and OKC area visit: www.Okla-OK.com

Why going FHA is the best way? by Bo Kociuba, Realtor, www.Okla-OK.com

04-10-09
Bo Kociuba
Bo  Kociuba: Real Estate Agent in Yukon, OK

Home keys Is going FHA really the best way?

For the last few good years FHA (Federal Housing Administration) loans were not so very popular. But this is definitely changing and the attractiveness of the loan once more is appealing to the borrower.

This financing option was born during the Great Depression out of necessity to assist the nation which was facing the greatest financial crisis. With years passing, however, this type of a loan fell out of favor because of housing prices going up and limitations on amount of money which could be borrowed.

Fast forward to today's date and our nation faced again with a big financial challenges. And once more we notice a very strong consumer interest in this type of a loan.

What is an FHA loan? The FHA doesn't lend the money or set the interest rates but it insures loans for lenders against defaults. To obtain a competitive interest rate and terms on a mortgage, you should compare options offered by different lending companies.

Why consider an FHA loan? It is a very appealing form of financing for majority of us and here is why:

  • if you are a first time home buyer
  • if you don't have a lot of down payment money
  • if you want to keep monthly house payments low
  • if you are a buyer with less than perfect credit
  • if you want competitive interest rate

Because of the insurance the FHA offers the lenders can offer more attractive interest rates and less strict requirements (debt to loan ratio) to qualify which greatly benefit the borrower. 3.5% required down payment could be obtained from a family member, employer or charitable organization as a gift. There also other options for down payment like the community action programs. The best way to find out which options are available to you is to seek advice from your lender.

What kind of loans FHA offers?

  • Fixed rate - the advantage of this loan is that the interest rate stays the same during the loan period, and your payment doesn't change
  • Adjustable rate - if you are buying more expensive house you may 'lower the payment' because the initial interest rate and payments are low. However, the terms will change during the life of the loan.
  • Purchase/Rehabilitation - if you are interested in a house which require lots of work you may apply for Single Family Rehabilitation Loan program also known as 203K

Most loans require some sort of insurance when down payment is less than 20% of the sales price. And yes, you have to buy mortgage insurance in order to obtain the FHA financing. The premium is charged up front or in monthly installments and is equal to the percentage of the mortgage usually 1.75 percent.

In summary FHA insured loans offer a lot of value and benefits to potential borrower.

Happy HOME HUNTING!

With smiles, Bo

PS.

When you have my team on your side you'll be amazed at the results of the home buying and selling process - so let's get together!

Laughing Fridays at The Optimist Group by Bo Kociuba, Realtor, www.Okla-OK.com

03-27-09
Bo Kociuba
Bo  Kociuba: Real Estate Agent in Yukon, OK

Just browsing on the Internet yesterday I found few interesting things....One of them I thought I shall share with you all. All of us being 'seasoned' Realtors usually don't understand how much power ONE has, especially when ONE is dedicated to the cause and a little miffed...lol...

Laugh with me - It is LAUGHING FRIDAY at The Optimist Group!!

FULL DISCLOSURE BY FSBO

And all Realtors should know that when selling a home, legally you must state everything that is wrong with it. I find the following is not often revealed...

Happy Friday to you all!

With smiles,

Bo