Basement issues? Here's help

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  Basement Remodel: Return on Investment

  Because it adds valuable living space without increasing your home’s footprint, a basement remodeling project offers a high return on your investment. Read
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  Smart Options: Basement Flooring

  Keeping your basement dry and free of condensation is key to installing the basement flooring of your choice. Read
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  Add an Egress Window to Your Finished Basement

  For safety, a remodeled basement living area needs an egress window that meets residential building codes. Here’s what you need to know. Read
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  Evaluate Your House for Basement Finishing

  Converting your basement into living space requires being aware of building codes and understanding special requirements. Read
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  8 Solutions to Common Wet-Basement Problems

  Solving wet-basement problems is one of the most important things you can do to protect the value of your home and health of your family. Read

Visit houselogic.com for more articles like this.

Copyright 2010 NATIONAL ASSOCIATION OF REALTORS®

Can't afford an agent? How about jail time?

I got a call recently from a friend who decided that they could not afford a to list their home with a real estate professional due to market conditions in their neighborhood. Very understandable. As a full time REALTOR®, I hear that a lot these days.

They were able to successfully get their home under contract by having open houses and using fliers....and reducing their price to close to their existing loan balance. There are tons of homes marketed in their subdivision. At last check it was almost 28!

Low and behold, they received a phone call asking them to rewrite the contract and date it for a month prior to the actual contract date. Now, I am not an attorney, however, that seems like it would be loan fraud to me. The intention appeared to be so that the buyer could get the first time home buyer tax credits. Ok, now I bet you are talking Federal charges.

So, this is something a reputable lender would NEVER ask you to do. A professional REALTOR® would never suggest that you do this. Loan fraud is arguably one of the scenarios that helped to bring the real estate market to it's knees and is being heavily investigated. The IRS is even posting warnings about this type of activity. But come on, who really wants to visit the IRS website.

If you think you cannot afford a REALTOR.®, you may want to reconsider. Call us, if we can't help you, we know someone who can!

3804 Rocky Mound, Wentzville, MO | Powered by Postlets

This is an awesome house. Check out the details below


3804 Rocky Mound, Wentzville, MO Powered by Postlets

Organizing Your Important Documents - Other - daveramsey.com

Great tips to get organized from Dave Ramsey!

If you are feeling a financial strain and feel that you may need to downsize, call me at 636-229-9702 and I will evaluate your home and present a marketing strategy to get you moving.


Organizing Your Important Documents - Other - daveramsey.com

Help for Middle and Low income Homebuyers Starts January 1, 2010

Clint Zwifel, Treasurer of the State of Missouri announced that Missouri Housing and Development Commission (MHDC) will provide tax relief to thousands of qualifed families purchasing homes in the new year.

Some of the things the package provides for are as follows:

1. $15 million to pay the first year of taxes for qualified families making less than $100,000 per year on homes purchased after January 1, 2010.

2. $15 million to finance and construct affordable multifamily housing.

3. $5 million to continue to assist qualified buyers with downpayments and closing costs when purching a new or existing home.

4. Addtional assistance to qualified buyers purchasing energy efficient homes or energy saving appliances.

According to Mr. Zweifel, the money to fund these programs will come from MHDC's reserve funds and previously allocated federal recovery funds provided to the State of Missouri.

To find out more information, you can watch a webcast of this meeting at http://www.mhdc.com/webcast/

Learning from the King of Debtfree living

TOP REALTORS RECOGNIZED AT DAVE RAMSEY’S ACCELERATE ’08

Nashville, TN—Becky Harrington of RE/MAX Cornerstone is among the top-performing Realtors® in the country to attend Accelerate ’08. This exclusive program by personal finance expert, Dave Ramsey, inspired and motivated real estate professionals to even higher levels of outstanding customer service and achievements. The two day event in Nashville, Tennessee was held on December 2 and 3. As part of Accelerate ’08, the realtors took part in a live broadcast of The Dave Ramsey Show, focusing on real estate topics. The invited participants are part of Dave Ramsey’s Endorsed Local Provider Program, which connects local realtors, brokers, CPA’s and health insurance agents with Dave Ramsey fans across the country.

For more information about becoming a Dave Ramsey Endorsed Local Provider go to www.daveramsey.com.

About Dave Ramsey:
A personal money management expert, Dave Ramsey is an extremely popular national radio personality and best-selling author of The Total Money Makeover, Financial Peace and More Than Enough. He is also host of “The Dave Ramsey Show on Fox Business Network.” Ramsey knows first-hand what financial peace means in his own life – living a true rags to riches to rags to riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right. Through his proven plan, Ramsey helps people eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace.

Ramsey founded The Lampo Group, Inc. to provide financial counseling, through various means, to the public. More than 750,000 families have completed Financial Peace University with the typical family saving $2,700 and paying off $5,300 of debt during the 13-week course. More than 500,000 people have attended a Dave Ramsey LIVE event. Ramsey created Financial Peace Jr. and authored six children’s books designed to help parents teach sound financial principles to their children. Active in more than 3,000 schools in all 50 states, “Financial Peace for the Next Generation” educates High School students on the importance of financial planning and the dangers of debt. Ramsey’s syndicated newspaper column, “Dave Says” is read by nearly 6 million readers weekly. “The Dave Ramsey Show” is syndicated to more than 350 radio stations nationwide with more than 3.5 million weekly listeners. “The Dave Ramsey Show” on Fox Business Network launched October 15, 2007.

Be prepared to sober up Saint Louis!

Ok, so most of us do not go to Grant's Farm or the Brewery to get free beer, but it may soon be a thing of the past. InBev has announced that they will not keep the hospitality centers at the Busch Theme Parks. They are eliminating the free beer and adding cafes. Aren't there enough places to spend your money at a theme park?

According to the Saint Louis Business Journal, there is no plan to eliminate the sampling at the Brewery or Grant's farm, but it only took a few weeks for InBev to institute layoffs in Saint Louis, so who really believes them?

Saint Louis has a ton of free things available to its residents and I hope that we do not see them disappear one by one.