Clarksville, TN

July 8, 2009

Today Grandmama'a House of Preschool and Child Development opened it's doors at their new location located at 2015 Tiny Town Rd.

Hours of Operation

Monday thru Friday

5:30 AM to 6:00 PM

Phone: 931-561-1810

E-Mail:

GrandmamasHouseTinyTown@Gmail.com

www.Grandmamashouse.net

For a limited time, Grandmama's House is offering NO REGISTRATION FEE. (For a Limited Time Only) The location is great ! Easy access from Clarksville's Exit 1 at Trenton Rd. Kids will love it at Grandmama's House....

The Big Boss attended his first day and loved it. This morning he was up and ready to go. Once he arrived, he was ready for the day. When it was time to come home, Big Boss was looking forward to tomorrow to go see his new friends. The daily progress report is great to see at the end of the day on how things went for your child. The progress report will describe how your child was feeling upon arrival and the teachers notes about potty breaks, what they had to eat and information on nap time :)

At Grandmama's House has a daily curriculum that includes the following:

• Manipulative
• Dramatic Play
• Reading
• Art
• Blocks
• Sand and Water Play
• Writing

Grandmama's House there is a Gymnasium, Outdoor play area and a pool ( for the older children ) For more details, contact Grandmama's House.

There Is No Place Like... Grandmama's House

Tuition and Fees:

Annual Registration Fee:

• One Child - $35
• Two or More Children - $60

Weekly Tuition:

• Infant - $140
• Toddlers ( Age 1 - 2 ) - $130
• Preschool ( Age 3 - 5 ) - $120
• Before & After Care - $70
• School Age Full Care - $100
• Summer Activity Fee - Varies

Grandmama's House Administrative Staff

• Jeff and Bridgett Stanfill, Owners
• Bridgett Stannfill, Co-Director
• Jennifer Hayward,Co-Director
• Rebecca Johnson, Assistant Director

Grandmama's House Philosophy

It is oue belief at Grandmama's House that all children have the ability to learn through play and hands-on opportunities. Children should take an active role in creating and building their environment. The children are encouraged to partisipate in activities that promote a positive self-image and are encouraged interactions with fellow classmates. Cheildren at Grandmama's House will be engaged in indoor and outdoor learning enhanced with activities which teach building, creating, singing, dancing, reciting, and exercising their body and mind.

And sometimes, whether you believe in your Higher Power as God above or by some other name, you have to reflect on the moment and ask yourself ‘which path do I choose?'

This story is not about self promotion, so please do not take it that way. I write this while I am filled with the spirit and knowing that I have helped a Family in need. That in and of itself is worth more than any commission check in my humble opinion.

Like many Realtors who work on harnessing the power of the internet I find that the spam email I receive is a bit large. Going through this on the road and on the blackberry is just not possible so I delete anything that looks close to it and wait till I get to the office or home to give further inspection.

Before I go any further, let me go back in time to Monday afternoon here in Clarksville. It was a beautiful evening to say the least and Pam and I were out back discussing how we wanted to improve our outdoor living area as well as enjoying our Koi in the ponds. We continually heard sirens and horns going off across the woods from us. I looked up and noticed a black, billowing cloud coming from the distance. I knew that something was on fire but figured it was a brush fire got out of hand and went on about my business.

Step forward to about an hour ago. I just got home and said goodbye to Pam as she was headed to the office to write up an offer for some clients. Went to my email to separate the ‘wheat from the chafe' and noticed one that was titled ‘Rental Properties Available'. I opened it and read the plight of a Family in need. Again, like most who market their services via the internet the first thing I thought was just another scammer but I went on.

Something about the way it was written told me that this did not come from Africa or wherever those folks are that want to give us a million dollars and buy every property in town. Anyway, while many Realtors don't care to mess with rental properties other than to pass off to a rental agency I felt the urgency in the text and figured I would run a search with the information given - NOTHING.

I ran using different parameters and happened upon a home that I had inquired about for yet another couple a couple months prior. The home was not available back then and was not sure if it was available now, but it met the schools and the area. The young lady had left a number so I called to see what I could do to assist (if anything) and to get some more information.

As she answered, I could hear the stress in her voice and knew immediately that the rental request was sincere. We spoke for a few moments and she mentioned what had happened. I told her that I was sorry for the loss and asked her where and when it occurred. Okay, by now you either know what happened or are wondering what the heck he is talking about. Well, as it was, the black billowing cloud that Pam and I had noticed in the distance was not a brush fire, but rather the hopes and dreams of a young Army Family going up in flames.

Bought only a couple months prior the Family had spent time renovating the property prior to their PCS to Fort Campbell this month. Pam and I were not the agents for either party nor do I know how it came about that they contacted Pam and I but I knew after speaking with her that I had to help this Family and had to do so in a hurry.

Thanks to many days and nights of interacting with other agents within Clarksville and surrounding communities, we have built a great network. The first order of business was to send out a text via Twitter and then onto Facebook. Even then, the home I mentioned before kept coming to mind, but I still pressed.

Within an instant of my last network blast my phone rang and it was the Realtor and owner of the property I had inquired about for a couple months past. She told me that the property was available now and went on to describe some last minute items that needed to be done. I let her finish and then told the story and told her that I knew that God had put this task before me. She knew exactly the home I was speaking of and said that her heart had gone out to the young couple as well. At that point I asked her if it would be alright should I give her number to the couple so that they could work direct as time was of the essence. She agreed and said she would gladly pay a referral should this work out - I simply stated that was not necessary.

I called the couple back and discussed the home again with them. They had thought about what I had said and agreed that if the home was available it would meet every aspect but size that they needed. They thanked me and I told them to call on us. I truly hope that all works out for them and that they can rebuild their dreams soon.

I know that it is customary for a referral fee to be give, and would not be surprised if the listing agent/owner did, but I will simply turn it into a gift card from Lowes for this couple.

Sorry for the long story, but I felt I must share with you all. The Lord above works in mysterious ways - we all know this. Sometimes you just know was right is.

Regards,

As you may know, The City of Clarksville first installed red light cameras at three intesections on May 1, 2009.Clarksville......They are watching you ! Since then Clarksville has added addtional red light cameras at the following locations.

• Whitfieldd & 101st Airborne Parkway
• Fort Campbell Blvd & Tiny Town Rd
• Dunbar Cave Rd & Wilma Rudolph Blvd
• Madison St & Hwy 76 Connector / The By-Pass

All these locations are Photo Enforced and carry a fine of $50 and this is not a point generating ticket.

Here are the first 3 locations:

• Wilma Rudolph Blvd at Trenton Rd
• Fort Campbell Blvd at Gate 3
• Wilma Rudolph Blvd at Trenton Rd

If you are like many American families who had a reduction in your pay, things can be stressful looking for a way to satisfy the mortgage, car payment, credit card debt and other things.

Maybe you had to re-locate due to your job and are having to make double mortgage payments or a rent payment along with your mortgage. This can be a juggling act andmany find themselves going into default on their home loan and subject to Foreclosure.

Their are other options to Foreclosure that many may not be know that exist. Their are re-payment plans, Loan Modifications and also the Short Sale. This may be an option if all others fail and is far better that having a Foreclosure on your credit report.

You may ask why would the lender want to do a short sale instead of foreclosing on the property ? The answer is that this could be a savings to the lender. It can take 9 Months for a Foreclosure and Real Sale of the home and by the lender allowing the resale it also is a benefit to the borrower as they do not have a foreclosure on the credit and the do not have there name posted in the local news paper. You must submit a short sale package in order to qualify for a short sale.

When you realize it is time to sale your home in leu of a foreclosure, you don't want just any Realtor working for you as many have not ever worked a short sale. These are much different from the traditional real estate transaction. You should hire a Realtor who has experience and is successful working short sales. The entire process involves much more than the average closing and will take longer than the normal 30 to 45 days to close. Once you have an accepted contract on your home, it must them go to your lender for their approval process as well.

You may ask, how does this process actually work ? The listing agent and the home owner will negotiate the offers to get the BEST and HIGHEST possible offer. This is very important as the lender will also verify the value of your home to see if this will actually be a savings to the lender versus preceding with a foreclosure. Remember not to add in any fees that are not normally paid and the lender is not going to allow junk fees, home warranties, repairs to be paid at closing.

Now lets say you have a 2nd Mortgage ( Junior Lien ) This can put a whole new spin on things as we are now negotiating with 2 loan service providers. The junior lean holder does not always want to be as willing to accept less on their loan and often ask for a promissory note to satisfy the debt. They must agree to the short sale as well. If they don't andyour home goes into foreclosure, they loose as well. So in this case something is better than nothing. Once the lenders are acceptable to the short sale, they will sendyou a demand letter that will tell the terms of their approval and this must be submitted to the title company or closing attorney depending on which one is used in your area.

One thing to also keep in mind is that if your lender has already started the foreclosure process, this may continue until you have an acceptable offer on your home. You should always consult with your tax adviser and or attorney about possible tax consequences and legal questions you may have.

Below are links to additional information that will be useful in understanding the process of a short sale

Short Sales - Requirements

Short Sales - Savings to the Lender

Short Sales - Possible Tax Consequences

Short Sales - Negotiating The Sale

Short Sales - Submitting The Offer

Short Sales - The Closing

Also, please be sure to read The Short Sale Savior, by Elizabeth Weintraub, available in bookstores everywhere and at Amazon.com. This book has lots of great information and short sale experiences from Realtors who actually work them.

Is there a Possibility Tax Consequences..... YES it could be.....

There MAY be a TAX Liability created by either a FORECLOSURE or a SHORT SALE. You as the Home Owner should talk to your tax divisor as I'm a Realtors and NOT tax adviser and not allowed to give tax advice. The Seller receives a 1099 for the DISCOUNTED amount. The IRS looks at the discounted amount as Income. Home Owner will receive a 1099 from the lender.

You can file FORM 892 if you are Insolvent and can prove it. Meaning they do not have the ability to pay it.

Scenario:

If your income is $30,000 for the year and the discount is $45,000. You may owe taxes on $75,000 for that year. Now if you are insolvent and can prove it, you can file the 892 along with 1099 and you may not have to pay that tax for that year. ( again I'm not tax adviser.. You will need to talk to your tax adviser for details and final decisions.

The benefit to the seller for doing a short sale is they do not have Deficiantcy justment for the foreclosure

1. Home Owner DOES NOT have a foreclosure on their credit report
2. Home Owner WON'T have a deficiency judgment that would be there if it goes to foreclosure
3. Home Owner AVOIDS the Humiliation of a being put out and home sold on the court house steps.
4. Home Owner COMPLETES their original commitment with Integrity
5. Home Owner gets to put up a REAL FOR SALE SIGN instead of having the Sheriff come put them on the street.
6. SMALLER Tax Liability