About Smith County, TX

Knowing yourself is the beginning of all wisdom.
Aristotle

Our ideas, like orange-plants, spread out in proportion to the size of the box which imprisons the roots.
Edward Bulwer Lytton

In learning to know other things, and other minds, we become more intimately acquainted with ourselves, and are to ourselves better worth knowing.
Philip Gilbert Hamilton

What progress, you ask, have I made? I have begun to be a friend to myself.
Hecato, Greek philosopher

To conquer oneself is the best and noblest victory; to be vanquished by one's own nature is the worst and most ignoble defeat.
Plato

Everybody wants to be somebody;
nobody wants to grow.
Johann Wolfgang von Goethe

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Tyler is known for roses. They have the rose garden and there is row after row of just perfect roses. If your ever in Texas, I recomend it. It's free and worth your time for sure.

While your here don't forget the great zoo.

I thought a feel good community post would be fun for a change. Have a great week to all and by all means stop and smell the roses along the way!

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INVESTMENT CORNER

Steve Trosclair BBA Accounting MBA Finance Licensed Realtor® since 1987

Add a Nest Egg To Your Portfolio

$150,000 LOAN AMOUNT

30 year fixed rate mortgage

YEAR 1981 1989 2009

Interest Rate 18% 9% 7%

Monthly Payment

Principal & Interest $2,260 $1,260 $997

Looking at our national financial history and analyzing the current economic data, most financial experts agree that inflation is projected in the next few years.

Inflation plays directly into the hands of great investment opportunities. The largest shift in personal wealth starts in a slowing economy and is solidified during the economic recovery.

While you are reviewing your investment strategy, consider real estate as an important component. Low interest rates coupled with home prices near a bottom make the rest of 2009 (and possibly early 2010) a great time to maximize future investment returns. Start planning now. Call us at 903-534-6600

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Just In Time to Make Dreams Come True On Friday, the U.S. Department of Housing and Urban Development (HUD) announced that first-time homebuyers using FHA-approved lenders can now get an advance on the $8,000 tax credit created by the stimulus package and apply it toward their down payments or closing costs. This, according to Les Christie of CNNMoney.com, will continue to push demand by first time home buyers. Mr. Christie states a recent study by the National Association of Realtors which shows the $8000 tax credit for first time home buyers has truly stimulated the real estate market. First time home buyers recently accounted for 53% of all homes sold. That reflects a 10% surge in that sector of the home buyers market. It’s anticipated this new incentive will cause another major influx of first time home buyers entering the market to purchase a home

As part of the stimulus package, Congress created a refundable first-time homebuyers tax credit in hopes of helping on-the-fence buyers to take the home-purchase plunge. But buyers couldn't collect the $8,000 credit until tax time, rather than at closing time -- when it's needed. "We believe this is a real win for everyone," said HUD secretary Shaun Donovan in a speech before the National Association of Homebuilders (NAHB). "Families will now be able to apply their anticipated tax credit toward their home purchase right away. What we're doing today will not only help these families to purchase their first home but will present an enormous benefit for communities struggling to deal with an oversupply of housing."

The National Association of Realtors states prior to this action, many buyers were still locked out of the market. Recent changes in the mortgage industry have eliminated most programs which provided 100% financing for home purchases. Allowing family’s immediate access to the use of this $8000 for down payment/closing cost has will lighten the stress on families who struggle to save up for a 4% down payment.

If you have been waiting to purchase your first home, now is the time to act! This program is currently slated to end December 1, 2009. Don’t miss this opportunity to enjoy the dream of home ownership!

Arguing with a fool proves there are two.
Doris M. Smith

Be courteous to all, but intimate with few;
and let those be well-tried before you give them your confidence.
George Washington

Look to be treated by others
as you have treated others.
Publius Syrus

Success in life, in anything,
depends upon the number of persons
that one can make himself agreeable to.
Thomas Carlyle

Never part without loving words to think of during your absence. It may be that you will not meet again in this life.
Jean Paul Richter

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