Archive for February, 2012

Wednesday Quotes: Mary Tyler Moore

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And I came close to losing a part of my foot on two occasions. I hope I’m consistently lucky and that the next time I develop a blister or step on something sharp, that I don’t go as far as I did on those two times.
Mary Tyler Moore

And that’s what the audience was feeling too, as they watched the show and as they watch it now. And overriding all of that is the way it was written. It was written honestly. There was never any manufactured laugh. There was never compromising of character.
Mary Tyler Moore

And the sculptor woman was so clever in the way she did it. She had the beret just about to leave my hand. So it’s attached to this finger and that’s what will keep it there. And I’m looking up at it, so there’s no question but that that beret is going to fly.
Mary Tyler Moore

And then Dick called and said, I’m going to do a special called Dick Van Dyke and the other woman, that would be you, because every time I try to check into a hotel with my wife, they look at me as though I’m cheating on Laura.
Mary Tyler Moore

But I’m very happy with my life the way it has been turning out. A little time in the country, a little time with the animals and working on behalf of them.
Mary Tyler Moore

I don’t know how to do the other, so I won’t even consider television until the audience’s taste changes.
Mary Tyler Moore

I just like the continue doing what I’ve been doing. A melange of funny, straight drama, television, movies, a little theater here and there wouldn’t hurt. So if I can keep doing that, I’ll be a very happy person.
Mary Tyler Moore

I live in a kind of controlled awareness. I wouldn’t call it fear, but it’s an awareness. I know I have a responsibility to behave in a certain way. I’m able to do that.
Mary Tyler Moore

I live in New York simply because I don’t know any better. I moved there when the show went off the air a couple of years after that.
Mary Tyler Moore

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney

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Last Week in the News

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Existing home sales rose 4.3% in January to a seasonally adjusted annual rate of 4.57 million units from a downwardly revised 4.38 million units in December. The inventory of unsold homes on the market decreased to 2.31 million, a 6.1-month supply at the current sales pace, down from a 6.4-month supply in December.

Retail sales rose 3% for the week ending February 18, according to the ICSC-Goldman Sachs index. On a year-over-year basis, retailers saw sales increase 3.2%.

New home sales fell 0.9% in January to a seasonally adjusted annual rate of 321,000 units from an upwardly revised rate of 324,000 units in December. The initial December reading was 307,000. The November rate was also revised higher to 318,000 units. At the current sales pace, there’s a 5.6-month supply of new homes on the market, the lowest reading in six years.

The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending February 17 fell 4.5%. Refinancing applications decreased 4.8%. Purchase volume fell 2.9%.

Industrial production at the nation’s factories, mines and utilities was unchanged in January after advancing an upwardly revised 1% in December. Compared to a year ago, industrial production is up 3.4%. Capacity utilization fell slightly to 78.5% in January from 78.6% in December.

Initial claims for unemployment benefits for the week ending February 18 were unchanged at 351,000. Continuing claims for the week ending February 11 fell by 52,000 to 3.392 million, the lowest level since August 2008.

Thanks to my friends at Prospect Mtg

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Nevada Housing Division Bond- First Time Homebuyer Program – Targeted Areas – Washoe County

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Benefits

  • Below market rates on 1st mortgage
  • May be combined with the NHD Down Payment and Closing Costs Program

Eligible Properties

Maximum Sales Price

$449,747

Geographic Coverage

Program Boundaries

Eligible Borrowers

Maximum Annual Household Income by Household Size

1-2 = $91,800, 3 or more = $107,100

Limitations

Property must be located within a specific target area in the county of Washoe. Eligible property types are new Construction or Existing, Single-Family residences Homebuyer must attend a 6-8 hour HUD approved approved homebuyer education course Must be a first time homebuyer but there are HUD exceptions and qualified veterans excepted

Min Buyers Contribution

N/A

Home Buyer Education

Required

Maximum Assets Test

Max is 50% of purchase price, unless disabled or elderly and such assets are primary source of income

Purpose/Use of Assistance

Below-market rate financing

Home Buyer Obligations

  • Borrower must occupy property as primary residence.

Loan Terms

Product type

1st mortgage

Repayment Terms of the Loan or Assistance

30-year, fixed-rate, fully amortizing

Interest Rate of the Loan or Assistance

See website for current rates

Approved 1st Mortgage Products

FHA 203(b), streamline 203(k), VA, RHS, or Fannie Mae: My Community

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Search Real Estate

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Wednesday Quotes Thomas Jefferson

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Experience demands that man is the only animal which devours his own kind, for I can apply no milder term to the general prey of the rich on the poor.
Thomas Jefferson

Experience hath shewn, that even under the best forms of government those entrusted with power have, in time, and by slow operations, perverted it into tyranny.
Thomas Jefferson

Fix reason firmly in her seat, and call to her tribunal every fact, every opinion. Question with boldness even the existence of a God; because, if there be one, he must more approve of the homage of reason, than that of blindfolded fear.
Thomas Jefferson

For a people who are free, and who mean to remain so, a well-organized and armed militia is their best security.
Thomas Jefferson

Force is the vital principle and immediate parent of despotism.
Thomas Jefferson

Friendship is but another name for an alliance with the follies and the misfortunes of others. Our own share of miseries is sufficient: why enter then as volunteers into those of another?
Thomas Jefferson

Happiness is not being pained in body or troubled in mind.
Thomas Jefferson

He who knows best knows how little he knows.
Thomas Jefferson

He who knows nothing is closer to the truth than he whose mind is filled with falsehoods and errors.
Thomas Jefferson

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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In the News

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The index of leading economic indicators — designed to forecast economic activity in the next three to six months — rose a solid 0.4% in January, following an upwardly revised 0.5% increase in December.

Retail sales rose 0.4% to $401.4 billion in January. On a year-over-year basis, retail sales increased 5.8%.

Total business inventories rose 0.4% in December to $1.55 trillion, up 7.7% from a year ago. Total business sales increased 0.7% to $1.23 trillion in December, up 8.9% from a year ago. The total business inventories/sales ratio in December was 1.26.

The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending February 15 fell 1%. Refinancing applications increased 0.8%. Purchase volume fell 8.4%.

The National Association of Home Builders/Wells Fargo monthly housing market index rose four points in February to 29 from a reading of 25 in January. It was the fifth consecutive monthly gain and the highest level since May 2007. An index reading below 50 indicates negative sentiment about the housing market.

The combined construction of new single-family homes and apartments in January rose 1.5% to a seasonally adjusted annual rate of 699,000 units. Single-family starts decreased 1%. Multifamily starts rose 14.4%. Applications for new building permits, seen as an indicator of future activity, rose 0.7% to an annual rate of 676,000 units. Housing starts for the year are up 9.9%.

Thanks to my friends at Prospect Mtg

Mark your favorite properties and get instant updates price changes,  new pictures and status changes.

Search Real Estate

Search Real Estate

As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Special Boundary Issues

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Assessing property boundaries is both an art and a science. Disputes regarding property boundaries can arise for a number of reasons. Properties can be difficult to survey. Rough terrain and human error may lead to miscalculation. Older boundaries may have been determined with poor instrumentation.

One common boundary-related problem occurs when a gap of land — known in the surveying industry as a hiatus — is found between properties and does not belong to either party. These gaps, as well as boundary overlaps, tend to occur when properties are resurveyed and discrepancies are found in either a subsequent survey (the junior survey) or with the original survey (the senior survey).

The federal courts have settled many property boundary disputes. Over time, established procedures have evolved for resolving these discrepancies.

In U.S. v. Weyerhaeuser Company (1967), the 9th Circuit Court decided that discrepancies in surveys did not matter and that the original monuments — the permanently placed survey markers in the ground — marked the boundary, and any resulting hiatus was deemed public land. The courts have consistently determined that hiatus land shall remain in the public domain.

Cases regarding overlaps are more complicated. Courts have consistently said that when two officially accepted surveys conflict, and the result is an overlap, the survey that is senior in time takes precedent.

When it comes to court cases involving property rights, the concept of “first in time, first in right” is firmly established. In Wirth v. Branson (1878), the U.S. Supreme Court made it clear that once a property had been patented — title of ownership confirmed by the government — the government cannot convey that land to any second party.

Thanks to my friends at Prospect Mtg

Mark your favorite properties and get instant updates price changes,  new pictures and status changes.

Search Real Estate

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Pack Report: Universities Announce Plans To Form Conference

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Presidents and chancellors from 16 universities met in Dallas Sunday to discuss future conference membership plans and agreed to work on forming a new intercollegiate athletic association that would begin competition in the 2013-14 academic year.

This presidentially led association will ensure stability and be built upon the principles of operating at the highest level of integrity and sportsmanship, enhancing the student-athlete academic and competitive experience, bringing fiscal discipline into athletics and ensuring competitive fairness.

“This is an exciting development that will stabilize the current conferences and create the first truly national conference with members in five time zones and television viewership from coast to coast.  This partnership brings together like-minded institutions to improve the integrity and stability of intercollegiate athletics,” said UNLV President Neal Smatresk. “We are moving our plans forward rapidly and expect to complete our conversations in the near future. Look for further announcements soon as we work together on this exciting new venture.”

Universities involved in the discussions were the United States Air Force Academy, University of Alabama at Birmingham, Colorado State University, East Carolina University, Fresno State, University of Hawaii, Marshall University, University of Nevada, University of New Mexico, University of Nevada, Las Vegas, Rice University, University of Southern Mississippi, University of Texas at El Paso, Tulane University, The University of Tulsa and University of Wyoming. With the exception of Hawaii as a football only member, the participation would involve all sports.

The structure of the new conference will likely include:
• Membership of 18 to 24 universities
• National scope from the Atlantic Seaboard to Hawaii
• Championship football game format that includes semifinal match-ups
• Championship basketball tournament
• Regular season scheduling in divisions
• NCAA FBS affiliation
• Mechanisms to emphasize and improve academic standards and fiscal responsibility

The presidents and chancellors will have follow-up meetings over the next six months to fully develop the operational issues essential to the formation of the association.

Nevada Wolf Pack Athletics

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Reno Gunshow 2012: Crossroads of the West

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Reno-Sparks Convention Center
February 18, 2012 – February 19, 2012

During the last year, Crossroads of the West Gun Shows attracted over 407,000 customers, more than any other gun show in America.  Crossroads of the West Gun Shows are America’s Best Gun Shows.   This shows offer hundreds of tables to meet the needs of everyone, from the once a year hunter to the avid collector.

Visit their web-site for prices and updates   www.crossroadsgunshows.com

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Search Real Estate

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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Wednesday Quotes: Jame Trunslow Adams 1878 – 1949

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Age acquires no value save through thought and discipline.

James Truslow Adams

Be not afraid of life. Believe that life IS worth living and your belief will help create the fact.
James Truslow Adams

Seek out that particular mental attribute which makes you feel most deeply and vitally alive, along with which comes the inner voice which says, ‘This is the real me,’ and when you have found that attitude, follow it.
James Truslow Adams

The freedom now desired by many is not freedom to do and dare but freedom from care and worry.
James Truslow Adams

The greatest discovery of my generation is that man can alter his life simply by altering his attitude of mind.
James Truslow Adams

There are obviously two educations. One should teach us how to make a living and the other how to live.
James Truslow Adams

There is so much good in the worst of us, and so much bad in the best of us, that it ill behaves any of us to find fault with the rest of us.
James Truslow Adams

Read more: http://www.brainyquote.com/quotes/authors/j/james_truslow_adams.html#ixzz1mHuRUHOE

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Search Real Estate

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney

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From the Old Farmers Almanac: St. Valentine

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www.almanac.com

Although a Christian bishop named Valentine was martyred on February 14 in A.D. 271, there is nothing in this legend to account for the custom of choosing a sweetheart on this day.

By the early 1600s, handmade valentines were customarily sent from admirers to sweethearts. About 1800 the first commercial cards appeared. Cards were usually sent anonymously. As early as 1822, an English official reported having to hire extra postal workers on this day. In 1849, Esther Howland of Worcester, Massachusetts, started selling quality valentines so popular that she was called “Mother of the American Valentine.”

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Search Real Estate

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As a Reno/Sparks Nevada real estate professional and property manager, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates To checkout some of  my property manager services goto http://chancegates.com/property-management-services/

If you are behind on your house payment and looking for a loan modification, go to making homes affordable

If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

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