Lynnwood, WA

New Fed Fund Rate and other News! October 30th, 2008 2:48 PM

Wow! The Federal Reserve has lowered the rate down to 1%. We have not seen this low of a rate since the technology bubble in the beginning of the the decade. There is talk that they might again lower in the ending of the year. This will help anyone that has a home equity loan on their home(s). With this move the Asian Stock Markets have rallied quite a bit from this downward move with our lowering of the Fed Rate.

We just received a Bulletin in regards to VA Loans... any person who is eligible for a VA Loan and wants to refinance to pull cashout can now go to 100% of the appraised value. Where before you could only have a max of 36,000 cashout. This will help alot of people out there that needed this help. So depending on which county you are in varies for the " new loan limit increase" that Freddie Mac has for conforming loan limits. On October 10, 2008, the President signed S. 3023, the Veterans' Benefits Improvement Act of 2008. Following are the three major impacts to the VA Home Loan Guaranty Program:

1. Authority to guarantee adjustable rate mortgages (ARMs) and hybrid adjustable rate mortgages (HARMs) has been extended through September 30, 2012.

2. The maximum guaranty for cash-out refinance loans has been made the same as purchase loans - they are no longer limited to $36,000. In addition, cash-out refinance loans may now be made up to 100% of the appraised value of the home.

3. The temporary increase to the maximum guaranty has been extended through December 31, 2011. When combined with new locality-based Freddie Mac conforming loan limit in January 2009, VA's maximum county "loan limit" will be $1,094,625 ($1,641,937.50 in Alaska, Guam, Hawaii, and the Virgin Islands). This results in unique county "loan limits" for VA.

Please watch for other mortgage news as it becomes available.

Have a Happy Halloween!

Posted by David Haley on October 30th, 2008 2:48 PMPost a Comment

I have never been a huge fitness fan........

I know it is important, but had the luxury of being tall and skinny most of my life - not strong and healthy, but fast forward to three kids later and I really needed more than the treadmill I adore so much to get in shape! I hesitantly joined an amazing place called Super Fit in Lynnwood, WA (right on the edge of Edmonds WA). I sent my hubby in as a guinea pig first to test the waters and liked what I saw. I am two weeks into it now and loving it.

My problem has always been motivation and quitting right when I get going strong. This is not a problem at this Lynnwood WA gym because honestly, all I have to do is get my foot in the door. They really do the rest and an hour of personal training goes by quite quickly!

Isn't personal training expensive?

Yes!!!! But NOT HERE! Super Fit does things differently. This is not a gym or one on one expensive personal training (although I get A LOT of attention and help). Super Fit specializes in group training. The cost is fractional of a personal training session, but the effect really is the same. You come and go to sessions as your schedule allows, but showing up to the three sessions a week is ideal for best results.

Flexible

They offer sessions of this group training MWF every hour starting as early as a 5AM class for early birds. The last class of the morning is offered at 10AM, then later in the day on MWF, they do offer a 4PM, 5PM, and 6 PM class.

On Tuesday and Thursday they have sessions at 4PM, 5PM, and 6PM. On Sat, they offer sessions at 8AM and 9AM.

The best part?

Besides feeling great? This is fitness at any level! No experience necessary (and I am a complete work out idiot!). This is superior personal training at a fraction of the price - I love it! Try it out! They do offer a free class to try it. Just make sure you get your foot in the door. I made about a million and a half excuses before my first session, but got in the door and have not had a problem getting back in since.

SuperFit

7627 196th Street SW

Lynnwood, WA 98036

Call (425) 231-1908

Interested in Lynnwood WA real estate? realestate@cooperjacobs.com

Holy Cow!

I had no idea that the newer Holiday LED Lights were so great!!!!

They use a fraction of the energy of regular strings of lights and according to the info I found can last between 100,000 and 200,000 hours.

But this is the really cool part:

You can use up to 20 strings together on one circuit!!!!!! I am constantly shorting out strings of lights because I piggy back too many together so this is good news!

Other benefits?

Cool to the touch and the whole string stays lit even when a bulb is out so no more guessing at that!

Where to buy?

Bartell's!!!! I love Bartell Drug Stores! The recycle CFL bulbs for free starting this month and they sell these for $10-$15 for a string of 70 lights.

Go green for the holidays!!!!!

From the Snohomish PUD website:

"Because CFLs contain trace amounts of mercury, all burned-out CFLs should be recycled and removed from the normal waste stream. Mercury is a health hazard and a new Washington state rule prohibits mercury-containing items from being disposed of with household garbage. Burned-out CFLs can now be recycled in two ways: at a Snohomish County Solid Waste facility or any Home Depot retail store. "

Places to recycle your compact flourescent bulbs:

Starting Sept 22nd, 2008 ALL 11 Snohomish County Bartell Drug Stores will accept them!

Home Depot - take them to the returns counter for recycling

Snohomish County Solid Waste Facility on McDougall in Everett - (up to 12 tubes or bulbs for free)

Go Green and use these wonderful bulbs, but be responsible when they burn out - we don't want them to make the environment worse!

Need more information? realestate@cooperjacobs.com Snohomish County Realtor, Cooper Jacobs Real Estate Services is a green real estate company and also a member of Built Green.