Happy 4th of July!


 

The Spirits To Move wants to wish each of you a happy and safe 4th of July! 

As you spend time with family and friends, take a moment on this day to remember the

men & women of present & past that have and are still fighting every day for our independence.

Have a Safe & Happy

4th of July!

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Happy Friday!


Wishing all our followers a happy Friday!

If you are a boater in the state of Minnesota, be safe!  Water patrols in full force this week end handing out FREE BUI!!!

Way to go Twin Cities!


Notable MN

Minneapolis-St.Paul ranked second cleanest city in America

 
By Hart Van Denburg, Tue., Jun. 14 2011 at 12:33 PM
Thumbnail image for Thumbnail image for minneapolis skyline.jpg
Minneapolis is so much cleaner than most places. St. Paul is too.

​What’s Salt Lake City got that we don’t in the Twin Cities? Less trash, evidently. 

Travel and Leisure magazine’s readers named us the second cleanest city in the country, right behind the city that gave us Donny and Marie. And let’s face it, you can’t get much cleaner than an Osmond. (Prince? Don’t even go there.)

So thanks, T&L readers. That’s some tough competition.

Still, a little grittiness might be OK, no? Check out the city in last place, the city with which we share proximity to the mighty Mississippi, and damned little else: New Orleans. Trade-offs for being America’s trashiest city: Mardi Gras, gumbo and a football team that can actually win a Super Bowl.

Then again, there’s that whole pesky hurricane issue. So maybe we’re better off upriver.

Here’s T&L’s Top 5 cleanest American cities.

1. Salt Lake City, UT
2. Minneapolis/St. Paul, MN
3. Portland, OR
4. Denver, CO
5. Charleston, SC

And here are the filthiest:

1. New Orleans, LA
2. Philadelphia, PA
3. Los Angeles, CA
4. Memphis, TN
5. New York City, NY

 

The Mistress in Real Estate


Many have bought their first home or may be even a second or third one.  Each time you bought a home, did you hear that infamous line;  “it’s a buyer/sellers market” and off you were to look at homes.  Did your Real Estate agent ever tell you about the mistress you would have to deal with when you bought your home?

You didn’t know there was a mistress in your deal? Well, there is or was, depending on where you are at in the process.  If you are a buyer, right now, you think the market is yours to control.  You can ask the seller to pay some of  your closing costs, contribute to point buy down, have the seller maybe provide a year or so home warranty program.  If you are buying an association home, you may even ask the seller to pay one or two years of association dues.  How about that big screen TV or the couch that makes the room.  Did you ask the seller to through that into the deal?

What if you are the seller. Right now you may feel like your hands are tied and you have to pretty much give your home away.  Maybe you did through that TV/couch in the deal, paid those association dues or purchased the home warranty program the buyer asked for.  Maybe you went as far to include a car in the garage with the deal.  No, I am not making this up, this is one crazy thing I have seen offered for the right price for the home.

Well, what about the mistress that REALLY controls the deal whether you are a buyer or a seller.  You don’t know to whom I am referring to? The Government.  They are the ones that have more control over a deal than even a  buyer or a seller.  Since the crash of the market, the Federal Government has really had more control over any deal.  Whether it is contributing an incentive program to bring the buyers out, to the taking away of the incentive or raising interest rates, yes, they have more power in the deal than one thinks.

Lets also look at how the government is compensating for all the short sales/foreclosures that are happening.  The Government stood by and watched as many home owners homes went upside down.  They did nothing to the banks that sat around refusing to help persons on the verge of loosing their home, nor did they make the banks work with the owners to make payments affordable for those that wanted to stay in their home and were trying their best to work something out.  Instead, the government sat back as banks took anywhere from 9 months to over a year to respond to potential offers from buyers on contracts submitted.  Then some even claimed they were in financial ruins…but what about the sellers? 

Now, many persons have lost their homes even if they were trying to work something out with the banks and there are an amazingly huge number of homes that are sitting vacant.  How about the sellers that are trying to do a traditional sale?  They now have to contend with the never ending battle of how am I to sell my home and not be punished by the short sale/foreclosures on the market.  Their home will be appraised against the homes in their respective neighborhoods that have been sold at a discounted price due to hardships by the past owner.  Again, the government continues to let this happen.

Shouldn’t the government at least try to help sellers that have kept their heads above water and not just walked away from their home with some sort of break?   This would be a positive incentive and still keep some value in our neighborhoods.  How should the government do this?  Well, that is the million dollar question.  Maybe these sellers get a bigger break on their new interest rate or maybe they get a break on their taxes in the year the home was sold.   I am sure there is something this mistress of the government could do to keep the housing market alive and moving.

So the next time you are thinking of buying or selling a home, remember to consider the mistress you will have to contend with.  If you are a buyer, you will have to have a down payment, good credit and choose a program that you may have to work through many hoops.  If you are a seller, you may have to come to the table with some of your own cash to sell your home, or maybe it’s time to consider bringing back the CD’s to help in your sell.

THE SPIRITS TO MOVE is here to bring you quality information & posts.  Be sure to VOTE on this article prior to leaving…we appreciate it!

Tuesday Talk…


Friday Fact


We all know that when out shopping we are looking for great deals.  We all know to talk with our family & friends about where to get the best deals on certain items.  Did you know that if you ask some of the store clerks, they will let you in on the little secrets of the back offices.

Most of us think when shopping the big box stores like Sams Club or Costco, their prices are set in stone and there is no way to know when they are  about to clearance items or when they have dropped prices on items.   Look no further, their secrets codes have been let out!  Now when you are shopping these stores, you two can know what is going on by just looking at the tag.

While shopping Costco, a couple of their codes are:

*  means they are getting rid of the items.  You may even be able to speak with a manager and negotiate the item to an even lower price than is on                                            the card.

.97  (the price ends in .97)  means the price has been lowered recently. 

While shopping at Sams Club one of their most used code:

.01 (the price ends in .01)  means the price has been lowered recently.

Now you can shop the stores armed and dangerous!

Here’s to happy shopping days ahead!

THE SPIRITS TO MOVE is always looking for ways to provide you with knowledgable information.

Thinking of buying a cabin in the woods? Here are some questions you may want to ask.


Common Questions to Consider When Buying Your Cabin in the Woods

Vacation properties come in many forms. From basic cabins to fully equipped country homes – there are a few specific questions to be considered with each purchase.

Recreational Property

  1. If your property isn’t on the water, find out if you have deeded access to it or if public access exists. Sometimes waterside property owners will post “Keep Out” signs though lawful access exists.
  2. Consider your future plans. Could your small cabin one day become your retirement castle? Find out if year-round residency is permitted and if building restrictions exist. Additionally, what (if any) renovation restrictions exist on the property?
  3. If not on the local municipal sewage system, ensure the septic system is adequate and up to date. Do local municipal building codes allow you to expand the capacity of your existing septic system and is there an opportunity to eventually connect to a planned municipal system?
  4. Water-access only properties, while less expensive to purchase, are logistically more difficult to maintain. Stocking the cabin, repairs, shuttling guests, and trips to town can be more difficult and costly to co-ordinate. However with the increased isolation comes increased quiet and a greater sense of disconnect from modern-day life – a feature that makes them attractive to many buyers.
  5. Check out the source of your drinking water (well, lake, and or municipal). If your water is sourced from a well, ask if it’s ever dried out. Regardless of water source, a water purity test should be conducted as part of your vacation property inspection.
  6. Is the road to your cabin maintained year round? Having the option of drive-in access is preferable, especially in winter months.
  7. If you have a waterfront cabin, what are the municipal restrictions for building both docks (square footage and length) and new boathouses (height and square footage)?
  8. Find out if your garbage will be picked up or do you have to deliver it to a dumpsite. While an adventure the first time, the novelty can slowly wear off and may impact the value of your property for those interested in curbside pick-up.
  9. When buying a vacation property, consider cost (gasoline), time and traffic as part of your recreational experience.
  10. Remember to consider resale should you ever need to sell it.  Do you think that your cabin offers enough perks for someone else to want to purchase it.

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