Monday, January 31, 2011

Quote of the Day

"Whether you think you can or think you can't, you are right." - Henry Ford

Sunday, January 30, 2011

Quote of the Day


"God has said, "Never will I leave you; never will I forsake you." So we say with confidence, "The Lord is my helper; I will not be afraid. What can man do to me?"" -Hebrews 13:5-6

Saturday, January 29, 2011

Quote of the Day

"Pretend that every single person you meet has a sign around his or her neck that says, ''Make me feel important.'' Not only will you succeed in sales, you will succeed in life." - Mary Kay Ash

Gearing up for a big Superbowl party? Here are a couple great party friendly recipes!

Cream Cheese and Olive Spread
1 8 oz. Pkg. Cream Cheese, Softened
1/4 c. finely chopped Green Olives
Mix softened cream cheese and olives. Serve with corn chips or crackers.

This is a staple at any Coffey family get together, and one everyone looks forward to.

Boneless Buffalo Wings
2 boneless, skinless Chicken Breasts
1 c. All-Purpose Flour
1/4 tsp. Cayenne Pepper
1/4 tsp. Paprika
2tsp. Salt
1/4 tsp. Black Pepper
1 Egg
1 c. Milk
4-6 c. Cooking Oil
1/4 c. Hot Sauce
1 T. Butter
Bleu Cheese or Ranch Salad Dressing

Cut each breast into 6 pieces. Combine flour, cayenne pepper, paprika, salt and black pepper. In another bowl, whisk together egg and milk. One or two at a time, dip each piece of chicken into the egg mixture, then into the flour mixture. Repeat the process so that each piece of chicken is double-coated. When all chicken pieces have been breaded, arrange them on a plate and chill for 15 minutes. Preheat cooking oil in a deep fryer to 375. Drop each piece into the hot oil and fry for 5-6 minutes or until each piece is browned. Drain the chicken pieces on a plate lined with a couple of paper towels. As chicken fries, combine the hot sauce and butter in a small bowl. Microwave the sauce mixture for 20 to 30 seconds or just until butter is melted, then stir to combine. Place the chicken pieces and sauce into a covered container. Shake gently until each piece of chicken is coated with sauce. Pour the chicken onto a plate and serve with bleu cheese dressing.

Thursday, January 27, 2011

Quote of the Day!!!

"All that a man achieves and all that he fails to achieve is the direct result of his own thoughts." - James Allen

Wednesday, January 26, 2011

Quote of the Day

Starting today we are going to post a "Quote of the Day" every day, let us know what you think of the quote!

"It's not the hours you put in your work that counts, it's the work you put in the hours." - Sam Ewing

What is your favorite quote?

Tuesday, January 25, 2011

Mortgage Rates This Week

Mortgage rates as of January 24th, 2011
German American
Home Loan
30-year
           4.750 % 
20-year           4.750 %
15-year           4.250 
Fifth Third Mortgage
30 Year           4.750%
15 Year           4.125%

People's State Bank
30 Year          5.000%
20 Year          4.750%
15 Year          4.250%

Sunday, January 23, 2011

Need a quick, warm dinner idea with all this cold weather?

Try this great taco soup recipe...

Taco Soup
1lb. Ground Beef (the less fat the better)
1lg. Onion, chopped
2 cans diced Tomatoes
2 cans diced RO*TEL Tomatoes and Green Chilies
2 cans Whole Kernel Corn
1 can Ranch Style Beans
1 pkg. Dry Ranch Dressing Mix
1 pkg. Taco Seasoning

Brown ground beef, add onion and all other ingredients. Simmer over medium heat uncovered for about 20 minutes. Serve with sour cream, corn chips or tortillas, if you wish.

Winter Cropping System Breakfast

Tuesday, February 15th at 8:00am

Chambers Restaurant
72 West Market Street
Spencer, Indiana

PARP Certification will be available
Speaker: Betsy Bower, Agronomist. CERES Solutions

No Cost - But Tickets will be required. Tickets are available through RSVP. 
RSVP before Friday Feb. 11th at 4:00pm
Owen County SWCD 812-829-2605
Putnam County SWCD 765-653-7454
Monroe County SWCD 812-349-2064
Greene County SWCD 812-384-4718 x 3

Friday, January 21, 2011

Unusual Dates in 2011

This year we will experience 4 unusual dates.... 
  • 1/1/11
  • 1/11/11
  • 11/1/11
  • 11/11/11
NOW figure this out.... take the last 2 digits of the year you were born plus the age you will be this year

Thursday, January 20, 2011

Actual Batmobile from 1992 Batman Returns Up for Auction

In the world movie cars, none took more of a center stage than the Batmobile from Tim Burton’s Batman movies 2 decades ago. Now you can own a piece of movie history as Batmobile #3, the original vehicle from the 1992 blockbuster Batman Returns, is put on eBay auction block. This isn’t simply a set piece, but a fully functional vehicle with a Chevrolet 350 CU Target Crate Engine, able to produce 200+ horsepower. The seller also stressed that this isn’t a replica but the actually vehicle used in the movie. It comes with full documentation and contracts from both Warner Brothers and DC Comics. For more information, see the auction page at the link below.

More info at Freshness

Mortgate Rates 1/19/2011

People's State Bank rates as of 1/19/2011
30 Year Fixed:                               5.000%
20 Year Fixed:                               4.750%
15 Year Fixed:                               4.125%  

Tuesday, January 18, 2011

Buying VS Renting

A home is one of the most expensive purchases most of us will ever make during our lifetime. Whether you decide to rent or buy, either choice comes with its own rewards and risks. Homeownership offers many advantages over renting including:
Advantages of Buying versus Renting
BuyingRenting
  • Tax write-off
  • No tax write-off
  • You can upgrade your home as you see fit
  • Need permission to make any changes
  • Build equity in your home as value appreciates
  • Your money goes toward the landlords equity
  • Control of loan payment options
  • Rent can increase periodically
  • Pride of homeownership
  • You have no ownership
While owning your own home has many benefits, there are still risks to consider:

Disadvantages of Buying versus Renting
BuyingRenting
  • You're responsible for property maintenance
  • Your landlord or manager handles general repairs
  • Need to sell, rent or lease property in order to re-locate. May have to wait until market conditions are right
  • Freedom to move once your lease expires
  • You pay for all your own utilities, property taxes and insurance
  • May include utilities, property taxes, and property insurance
  • Home improvement upgrades can run into thousands of dollars
  • You're not financially responsible for improvements
However, all things considered, homeownership is by far one of the best single investments you can make given the potential long-term benefits.
When does it make sense to buy?
People, who have generally rented their whole lives, purchase a home for various reasons. Owning something of value with a chance of watching their investment appreciate is one reason. Purchasing a home to save money over the long-term is another.

Example
Let's say you're currently renting a two-bedroom, two-bath apartment. Your monthly rent is $1,000. You find a two-bedroom, two-bath at a market price of $250,000 (roughly the national average.) You have $25,000 saved - enough for a 10 percent down payment. For the purpose of this example, you're looking to finance $225,000, which includes closing costs.
Using one of several mortgage calculators on the Internet, your monthly payment would be approximately $1,385 for a 30-year fixed loan at an APR of 6.20 percent (the national average). After taxes and appreciation in equity, your monthly payment over five years would average $499 per month.

Costs Savings of Buying versus Renting
CalculationsRentPurchase
Monthly rent/estimated mortgage payment$1,000$1,385
Purchase price of home
$250,000
Percentage of down payment
25,000
Length of loan term (years)
30
Interest rate
6.2%
Years you plan to stay in the home
5
Yearly property tax rate
1%
Yearly home value appreciation rate
4%
Results

Price of home after appreciation
$304,163
Remaining balance after 5 years
209,887
Equity in house
94,276
Tax savings (28% bracket)
23,030
Avg. monthly payment over time1,047499
Total payments (over 5 years)$62,820$29,973
Total savings if buying
$32,847

Source: Ginniemae.gov. These calculations are estimates only. You should always seek the guidance of financial or tax experts before making any buying decisions.
The outcome could dramatically change should an unforeseen economic downturn or financial hardship occur (e.g., home improvement costs, catastrophic damage, etc.). While, no one can predict if home appreciation values will spiral downward, or if mortgage interest rates will rise, it's clear that under the right circumstances home ownership can be financially rewarding.

More information at Yahoo

Monday, January 10, 2011

We can help you find the perfect home and the perfect mortgage

Not only can we provide you great real estate services and help you find a perfect home, but we can also help you find the perfect mortgage and good rates through United Country Home Mortgage Services. Buying a home is a huge decision and can be confusing at times and learning about loans and deciding which loan may be right for you can add to the confusion. Let us help you today and relieve some of the stress, buying a new home can be fun and exciting. 
United Country Home Mortgage Services offers
  • Government FHA and VA loans
  • First-time homebuyer products
  • Low down payment programs
  • Purchase and refinance products
  • New construction and vacant lot financing products
  • And much more

Mortgage Rates are lower than last week!

Mortgage rates as of Monday January 10th 2011

People's State Bank

30 Year Fixed:        4.875%
20 Year Fixed:        4.625%
15 Year Fixed:        4.125%

Monroe Bank

30 year:         4.75%
15 year:         4.125%

Sunday, January 9, 2011

1 BED HOME FOR SALE OR RENT BLOOMINGTON

1 Bedroom Home For Sale or Rent. Could be used as a rental or make it your very own. Also, include a small building that could be turned into an efficiency apartment. 

For more information see our website

Looking For a home to rent? Nice 3 bed 2 bath in Springville, IN in a rural setting

Charming country living. Enjoy this 3 bedroom, 2 bath home. Hardwood floors in the living room, family room and bedrooms. No extra cost to enjoy the breath taking sunsets on the large covered porch. 13 miles south of Bloomington. 10 miles from Crane gate. 12 miles northwest of Bedford. 4 miles west of Hwy. 37. Vinyl replacemnt windows, laundry sink in laundry room, 40 gal. gas water heater (1 yr. old), wood stove in living room, gas fireplace in family room. FOR SALE OR LEASE

More information at www.unitedcountryin.com

Wednesday, January 5, 2011

January Home Maintenance Checklist

The most important job this month is to prevent water damage from bursting pipes and leaks in your home.

The dead of winter is the time for the greatest vigilance in your home-maintenance routine. The most important job this month is to head off damage to your home from water and dampness from a number of sources:

Groundwater and rain seeping into your home.
Leaky pipes inside the walls.
Pipes bursting from freezing and thawing.

Take a tour

After a winter storm, get outside as soon as you can. Walk around the house, checking for damage from wind and broken tree limbs. User binoculars if you can't see your entire roof. Scan for loose or missing shingles.
Give special attention to vulnerable pipes — indoors and out — that are exposed to the cold, including hose bibs, pipes in outside walls, garden sprinkler lines, swimming pool pipes and pipes in unheated attics, basements and garages. A frozen pipe needs only a one-eighth-inch crack to leak as much as 250 gallons a day, according to this State Farm Insurance video, which demonstrates how to shut off your water and insulate pipes.

Take these steps to safeguard against damage from frozen and bursting pipes:
  1. If practical, insulate any pipes exposed to the cold. Ask hardware-store personnel for the best materials for the job.
  2. Seal any leaks that are letting cold air in, especially around dryer vents and pipes and where electrical wiring enters the house.
  3. Search for uninsulated water supply lines in the attic, garage, basement and crawl spaces and in bathroom and kitchen cabinets adjacent to outside walls. During a cold spell, open cupboard doors in the kitchen and bathroom so the home's heat can reach them. (Reminder: Put harmful household cleaners out of the reach of children.) Keep doors shut tight in the garage and outside closets and cupboards during freezing weather.
  4. When temperatures drop below zero, open both hot and cold faucets a trickle to relieve pressure in the pipes.
  5. Locate your home's water shut-off valve; learn how to turn off the water quickly in case a pipe bursts.
  6. If you'll be gone in freezing weather, even overnight, ask a friend or neighbor to check on your house for broken or leaking pipes. Show him or her how to shut off the water.
  7. Keep temperatures inside the house at 55 degrees Fahrenheit or above, night and day, even when you're gone.
  8. Promise yourself that when the weather improves you will add to the installation in the basement or crawl space and attic.
Leak prevention
  • Install small, battery-powered individual leak alarms, also called flood alarms, under the refrigerator, kitchen and bathroom drain pipes, dishwasher and laundry appliances and behind toilets. Cost: around $10-$15 each.
  • Check to make sure your sump pump is operating properly. If it has a battery backup, unplug the pump from the wall and test it.
Look for pests seeking shelter
Cold weather drives mice and insects into the walls of your home. Even unheated parts of the house invite these pests. Insects need only a crack to enter, and mice can get in through a dime-sized hole. Houseflies, particularly, pose a health risk because they can transmit disease.
  • Seal any cracks where pests enter.
  • Empty compost and garbage frequently.
  • Keep food covered and put away; keep counters clean.
  • Fix leaky pipes quickly.
  • Pour boiling water down bathroom and kitchen drains monthly, preventing the buildup of bacteria-laden sludge; scrub removable drain covers weekly.
  • Check basement, attic, crawl spaces and the back of cupboards and cabinets for mice droppings or holes. If you find evidence, install traps immediately or call a pest-control service.
  • Pick up and dispose of outdoor pet waste promptly; turn compost piles frequently.
Make an inventory
While you are putting away holiday gifts, seize the opportunity to make a quick home inventory. An inventory is a record of your home's features, conditions, furnishings and valuable possessions. If your home is damaged or destroyed by fire, flood, mudslide or other disaster, you can use the inventory to substantiate your insurance claim to get the maximum replacement value for what was lost.
Your inventory doesn't have to be fancy. You can get started and add to it later. Supplement your record with photos or video. The Insurance Information Institute has free software for making a room-by-room home inventory. Download it here and watch an instructional video here.

Tips:

  • Save receipts for valuable home purchases and for work you have done to upgrade the interior or exterior of your home.
  • Keep a copy of your inventory in a bank safe-deposit box or on a hosted server online, so you can get it even if your computer is destroyed.
Also …
Here are a few more winter tasks:
  1. Check the labels on the switches in your electrical circuit-breaker panel and make new labels if necessary.
  2. Check your furnace filter monthly in the winter to see if it needs replacing.
  3. Use a vacuum-cleaner tool or a long-handled brush to clean under and behind the refrigerator, including the coils.
  4. Clean lint from under laundry appliances, especially the dryer, carefully work the cleaning tool down into the lint filter; outdoors, clean the dryer vent outlet, reaching as far as possible into the pipe.
  5. Gather product documents and warranties into a folder. Go through the contents and discard outdated materials.
  6. Walk around inside the house with a screwdriver, pencil and paper. Tighten any loose knobs and attachments and list repairs to tackle later.
  7. Examine the ducts of your forced-air furnace and seal any leaks with duct tape.
 see more at - http://realestate.msn.com/article.aspx?cp-documentid=26981244

 

Tuesday, January 4, 2011

Mortgage Rates as of 1/3/11

Is buying a new home on your to do list as the new year starts? Take advantage of the mortgage rates!

People's State Bank

30 Year Fixed:                               5.000%
20 Year Fixed:                               4.750%
15 Year Fixed:                               4.250%