Chance Gates' Blog

www.nevadawolfpack.com

RENO, Nev. – The Nevada football team’s popular “Practice With the Pack” youth football day has been scheduled for Sunday, Aug. 21 at 1:30 p.m. at Wolf Pack Park, head coach Chris Ault announced.

The event provides a unique opportunity for youth football players to practice with the Wolf Pack and interact with the players and coaching staff. It is open to all youth football players, middle-school aged and younger, and is free. Youth players who wish to participate need only to wear a jersey or t-shirt and athletic shoes or football cleats. Players should also bring their own water to the event.

The youth players will have the opportunity to go through football drills with the Wolf Pack coaching staff and players. Nevada’s players and coaches will also be available after the event for pictures and autographs.

“This event is one of the oldest traditions of Nevada Football and it has been one of the cornerstones of our program in terms of building a bond with the football community since the 1980s,” said Ken Wilson, Nevada’s associate head coach. “Our coaching staff and players truly enjoy the opportunity to work with the youth players in our area and it is a great experience for everyone involved.”

In addition to the Wolf Pack football team and coaching staff, the Nevada cheerleading team will also be at the event.

The clinic begins at 1:30 p.m. and will go until 3 p.m. Wolf Pack Park is located directly east of Mackay Stadium and west of Peccole Park. Free parking is available in the lots next to Peccole Park (off Evans Road) with additional parking available in the West Stadium Parking Complex (off Virginia Street). For more information, call the Nevada football office at 775-784-6891.

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As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

The Nevada Rural Housing Authority continues to make the dream of buying a home a reality for many moderate-income Nevada households with innovative first-time buyer programs. They have just launched Home At Last™ Plus offering a great, below market mortgage rate, plus down payment assistance in the form of a cash grant.

What does the Home At Last™ Plus offer buyers:

• FREE cash down payment grant equal to 3% of loan amount (never has to be repaid)
• 3.85% 30-year fixed mortgage rate
or
• 3.35% 30-year fixed mortgage rate (without down payment grant)
• Instant home equity
• No asset limits for homebuyers

Who qualifies:
• First-time homebuyers or qualified Veterans who will live in home as primary residence
• Households meeting income qualifications and normal FHA, VA or RHS underwriting requirements
• Home purchase is in rural Nevada (population fewer than 100,000) and falls below maximum price

Maximum home prices:
Carson City…………………$363,417
Clark…………………………$364,556
Douglas……………………..$427,215
Elko, Eureka & Nye.……….$296,202
Lyon……………………..……$301,898
Storey & Washoe…..………$367,974
All other areas.……………$247,032

Maximum income limits:
Carson City
2 or fewer persons…………$81,840
3 or more persons…………$95,480
Churchill
2 or fewer persons…………$66,878
3 or more persons…………$76,910
Clark
2 or fewer persons…………$78,120
3 or more persons…………$91,140
Douglas
2 or fewer persons…………$91,080
3 or more persons…………$106,260
Elko
2 or fewer persons……$80,741
3 or more persons……. $92,852
Eureka
2 or fewer persons……$81,240
3 or more persons……. $94,780
Humboldt
2 or fewer persons….. $71,400
3 or more persons………$82,110
Lyon and Nye
2 or fewer persons…… $78,120
3 or more persons………$91,140
Storey & Washoe
2 or fewer persons…..$84,600
3 or more persons…….$98,700
All other areas
2 or fewer persons…….$67,078
3 or more persons………$77,140

Click here for a list of approved lenders.

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

http://www.brainyquote.com/quotes/authors/w/william_beveridge.html

Ignorance is an evil weed, which dictators may cultivate among their dupes, but which no democracy can afford among its citizens.
William Beveridge

Scratch a pessimist and you find often a defender of privilege.
William Beveridge

The object of government in peace and in war is not the glory of rulers or of races, but the happiness of common man.
William Beveridge

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

To remove warts blow on them nine times during a full Moon.

Last 7 Days

Sunday, August 14, 2011

If you glimpse the new Moon over your right shoulder, you will have good luck.

Saturday, August 13, 2011

For the best-tasting sauerkraut, make it just after the full Moon.

Friday, August 12, 2011

Marrying during a waning moon is unlucky.

Thursday, August 11, 2011

If the new Moon stands on its points, expect precipitation to spill out.

Wednesday, August 10, 2011

The moon with a circle brings water in her break.

Tuesday, August 9, 2011

To dream of a red or “bloody” Moon warns of catastrophe or war.

Monday, August 8, 2011

Moonrise occurring in the evening brings fair weather

read more at:  http://www.almanac.com/moon/folklore

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

The Mortgage Bankers Association said its seasonally adjusted composite index of mortgage applications for the week ending August 5 rose 21.7%. Refinancing applications increased 30.4%. Purchase volume fell 0.9%.

Wholesalers increased their inventories 0.6% to $458.7 billion in June. This followed a revised 1.7% rise in May. Sales at the wholesale level rose 0.6% in June to $395.8 billion. On a year-over-year basis, sales were 15.4% higher since June 2010.

The trade deficit increased to $53.1 billion in June from a revised $50.8 billion in May. Exports fell 2.3% to $170.9 billion. Imports decreased 0.8% to $223.9 billion.

Retail sales rose 0.5% to $390.42 billion in July after an upwardly revised 0.3% increase in June. The gain posted in July was the largest in four months. On a year-over-year basis, retail sales rose 8.5%.

Total business inventories rose 0.3% in June to $1.518 trillion, up 11.1% from a year ago. Total business sales increased 0.4% to $1.187 trillion in June, up 12.4% from a year ago. The total business inventories/sales ratio in June was 1.28.

The Reuters/University of Michigan consumer sentiment index for August’s preliminary reading fell to 54.9 from 63.7 in July. The reading was the lowest in more than 30 years, surpassing a record low of 55.3 set in November 2008.

Initial claims for unemployment benefits fell by 7,000 to 395,000 for the week ending August 6. Continuing claims for the week ending July 30 fell by 60,000 to 3.7 million.

Upcoming on the economic calendar are reports on the housing market index on August 15, housing starts on August 16 and existing home sales on August 18.

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

http://www.brainyquote.com/quotes/authors/e/e_f_schumacher.html

Eagles come in all shapes and sizes, but you will recognize them chiefly by their attitudes.
E. F. Schumacher

Infinite growth of material consumption in a finite world is an impossibility.
E. F. Schumacher

It might be said that it is the ideal of the employer to have production without employees and the ideal of the employee is to have income without work.
E. F. Schumacher

Many people love in themselves what they hate in others.
E. F. Schumacher

Never let an inventor run a company. You can never get him to stop tinkering and bring something to market.
E. F. Schumacher

The printing press is either the greatest blessing or the greatest curse of modern times, sometimes one forgets which it is.
E. F. Schumacher

The system of nature, of which man is a part, tends to be self-balancing, self-adjusting, self-cleansing. Not so with technology.
E. F. Schumacher

You can either read something many times in order to be assured that you got it all, or else you can define your purpose and use techniques which will assure that you have met it and gotten what you need.
E. F. Schumacher

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

http://www.almanac.com/best-fishing-days

2011 Best Fishing Days

• January 4–19
• February 2–18
• March 4–19
• April 3–17
• May 3–17
• June 1–15
• July 1–15
• August 28–September 12
• September 27–October 11
• October 26–November 10
• November 25–December 10
• December 24–31

The Sun, Moon, tides, and weather all influence fish activity. For example, fish tend to feed more at sunrise and sunset. During a full moon, tides are higher than average and fish tend to feed more.

However, most of us go fishing when we can get the time off, not because it is the best time!

Best Times for Fishing

• One hour before and one hour after high tides, and one hour before and one hour after low tides. Inland, the times for high tides correspond with the times when the Moon is due south. Low tides are halfway between high tides.
• During the “morning rise” (after sunup for a spell) and the “evening rise” (just before sundown and the hour or so after).
• When the barometer is steady or on the rise. (But even during stormy periods, the fish aren’t going to give up feeding. The smart fisherman will find just the right bait.)
• When there is a hatch of flies—caddis flies or mayflies, commonly. (The fisherman will have to match his fly with the hatching flies or go fishless.)
• When the breeze is from a westerly quarter rather than from the north or east.
• When the water is still or rippled, rather than during a wind.

Tackle-Box Checklist

• Fishing line
• Bobbers
• Swivels, to keep fishing line from twisting
• Leaders
• Sinkers
• Different sizes of hooks
• Pliers, to help remove hooks
• Stringer, to hold all the fish you catch
• Sharp knife
• Ruler/scale
• Flashlight
• First-aid kit
• Insect repellent
• Sunscreen
• Unscented soap to wash your hands before handling bait. –suggested by Jerry Buerge

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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.

http://www.reno.gov/index.aspx?page=1510 Reports

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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

http://www.brainyquote.com/quotes/authors/v/vince_lombardi.html

A school without football is in danger of deteriorating into a medieval study hall.
Vince Lombardi

Coaches who can outline plays on a black board are a dime a dozen. The ones who win get inside their player and motivate.
Vince Lombardi

Confidence is contagious. So is lack of confidence.
Vince Lombardi

Dictionary is the only place that success comes before work. Hard work is the price we must pay for success. I think you can accomplish anything if you’re willing to pay the price.
Vince Lombardi

Fatigue makes cowards of us all.
Vince Lombardi

Football is like life – it requires perseverance, self-denial, hard work, sacrifice, dedication and respect for authority.
Vince Lombardi

I don’t think there’s a punch-line scheduled, is there?
Vince Lombardi

I firmly believe that any man’s finest hour, the greatest fulfillment of all that he holds dear, is that moment when he has worked his heart out in a good cause and lies exhausted on the field of battle – victorious.
Vince Lombardi

If it doesn’t matter who wins or loses, then why do they keep score?
Vince Lombardi

If winning isn’t everything, why do they keep score?
Vince Lombardi

If you aren’t fired with enthusiasm, you will be fired with enthusiasm.
Vince Lombardi

If you can accept losing, you can’t win.
Vince Lombardi

Individual commitment to a group effort – that is what makes a team work, a company work, a society work, a civilization work.
Vince Lombardi

It’s easy to have faith in yourself and have discipline when you’re a winner, when you’re number one. What you got to have is faith and discipline when you’re not a winner.
Vince Lombardi

It’s not whether you get knocked down, it’s whether you get up.
Vince Lombardi

Leaders are made, they are not born. They are made by hard effort, which is the price which all of us must pay to achieve any goal that is worthwhile.
Vince Lombardi

Leaders aren’t born they are made. And they are made just like anything else, through hard work. And that’s the price we’ll have to pay to achieve that goal, or any goal.
Vince Lombardi

Once you agree upon the price you and your family must pay for success, it enables you to ignore the minor hurts, the opponent’s pressure, and the temporary failures.
Vince Lombardi

Once you learn to quit, it becomes a habit.
Vince Lombardi

People who work together will win, whether it be against complex football defenses, or the problems of modern society.
Vince Lombardi

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

As a Reno/Sparks real estate professional, 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.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  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