Friday, July 31, 2009

Tallahasee Dives and Jives...Unique Music Spots


Come to the Lake..with Jimbo Smith and friends!
Come on Out Where the Music is Familiar and your Friends are Gathered!round!
Visit me on Facebook for some local news such as this article a week or so ago.

Everybody knows I love music.. and to dance.. and boy Tallahassee has some of the best off the beaten path venues! Take your shoes off.. sit by the fire and warm up.. take a Sunday drive… you may never know what you will find. Looking for the coldest beer in town? Want to sit by the lake and watch the most gorgeous sunset ever? Try K & K Fish Camp off Highway 12 at the Lake Iamonia Boat Landing. Mary and Don King cook up some great burgers and hot dogs.. and keep the coldest beer in town.. I mean FROSTY cold. Nothing could be better than sitting on the picnic table listening to locals, Jimbo Smith and Friends whip up some familiar tunes that make you want to kick your shoes off and dance every Sunday afternoon! K & K fish Camp is however.. a fish camp.. get your bait, launch your boat, grab some supplies and head out to Lake Iamonia, the largest lake in Tallahassee! Bring your camera.. you might see a gator or two.. up close and personal!

Another place I have loved for over 15 years is the Bradfordville Blues Club off Bannerman Road! Oh my gosh.. the history.. the great blues artists I have seen there! Many are a once in a lifetime experiences! I had my 35th and my 45th Birthday parties there, the latter with three generations of family present! What a FUN time, dancing and listening to “The Sauce Boss” stir up some blues and gumbo!

I’m sure I’ll think of a few other great entertainment spots.. but for now.. your turn! Meanwhile..let’s head to the lake!


More stories like this can be found at TallahasseeFLCommunity! check us out!

Sunday, January 18, 2009

Social Media Connecting Tallahassee Locally and Globally


As many of you know, I am a native of Tallahassee. At 47, it is funny that I find myself looking back, connecting to the past,.. my short past and relating to my parents, my grandparents more and more. My kids laugh at me, as I did to my relatives as they spoke of the "old Tallahassee."

When I joined Facebook, MySpace, etc. I got the raised eyebrows from the kids, from the folks, even friends and co-workers..but now, they come to me for the "how to" on connecting, on utilizing social media in business and for fun. I'm no expert, but the network of friends and businesses has opened a whole new world for me. Amonth or so ago I attended my first "Tweet-Up" (for all you who are fellow Twitters,(I'm FloridaSunSales), I can only tell you connect with your locals.. how FUN!). I've always been a people person, but networking with people, learning, has opened doors not just for business but for personal growth. At the Tweet-up I met 9 of the most interesting people in town, and I know there are many more! Tallahassee is a melting pot of personalities, of experience and education of resources and inspiration. If you are alive.. if you want the breath of fresh air that inspires, connect. Wanna hear about a good book, a hobby, a current event of interest, a travel experience, aspirations of a film student..art at Railroad Square? Connect. I am amazed with the energy, creativity of those I met. I most definitely walked away with more than when I arrived. I can't wait for the next Tweet-up! My job is to Talk about Tallahassee.. the old and the new!

I have my parents home listed for sale out Centerville Road, built in '66 before Killearn Estates, before Bradfordville, and efore integration of public schools as well. (Now that is a hard one to think about!) I find myself telling customers about the "ditch" that runs along the property line. The "ditch" is actually the old Centerville road bed that was used in the 1800's! Real estate showings end up being a short history lesson about the area, i.e. old Pisgah Methodist Church, Bradley's country Store, Horseshoe and Centerville Plantations, etc. In any case, there is much to share about our small Southern city of seven hills. Showing property, passing the time in the car often becomes history lessons of Tallahassee.

So, tune in, you will find me on the web, in the car.. but always with something to talk about!

Sunday, January 4, 2009

Your Financial Plan for 2009 - Does It Include Building Wealth

Welcome to 2009 from Debbie Kirkland!

Believe it or not, it is still possible to build wealth with real estate! As we enter the fist quarter of 2009 there is already evidence that lenders are loaning money, that the short sale processes that took a year and half are now moving faster, and more efficiently. (HINT: so ask about these properties!)There are also unbelievable interest rates that continue to drop and are at a 20+ year low at present! Pending sales for Tallahassee are up, relocations in the area are up as well. We have the advantage here of State government, 3 major universities, and a youthful population who are raising families in a highly desirable city.

I have owned alot of real estate in my day, but never had the opportunity to have a mortgage below 5.5%. It is simply unbelievable! My first home purchased in 1980 was financed for 30 years at 9.5% folks (that was seller financed by my father in law when interest rates were 13.15%! I was a newly-wed, in school, my husband was self employed and we kept that rate until we sold that home 5 years later fter my 1st child was born and then we financed another at 11%! Whoo hoo... BIG savings! Eventually we moved again in 1990 and our rate dropped to 9.58!So I suppose I don't understand the media's complacency about pointing the savings and the "good News" out about the real estate market! For those of you who are skeptics look it up click here: *historical interest rates*.

Part of my plan as a young married person was to begin with home ownership. That was the only way I knew up to move up to the next step as my family grew, and I stepped to the next level of a larger home. It was something that did not take that much thought! It made perfect financial sense. My parents did what they thought was right by educating me on finances, but about all that consisted of was how to balance a checkbook! Oh to be young with a fresh mind or to have a REALTOR take the time to explain a few things to me!

Owning a home, or adding income producing properties to your financial stock-pile is still the most sure way of solid financial growth. In a time where jobs are uncertain, there will be more people renting, more transient families as people hesitate to settle down in a home until they have that job security once again. Meanwhile, owning a home that can be leased for more than a payment, is instant positive cash flow. That is income that can be then placed into other investment properties, invested into a "pool" of investors (i.e. your family or a group of friends with similar goals and business practices), or used to pay down debts or help you get through the rising costs of living.

Never has there been a more common sense approach to purchasing real estate. Using a REALTOR, analyzing properties not just for condition, but for potential income streams, tax shelters, long term wealth portfolios will prove to be in your best interest. If you are purchasing your first investment property, consult a REALTOR today.

In Tallahassee, there are a multitude of investment properties for sale. I have in my inventory single family homes, duplex units, townhomes, even apartment buildings and commercial building that are producing positive cash income. I work with lenders who have vision, who consider not only a consumers ability to purchase, but the "potential" of solid investment properties. Are you riding the credit score fence? If so, a property purchased with positive cash flow may be advantageous to restoring that for you as payments are made via your monthly income rental streams.

If you want to begin an investment group, let me help you organize this and show you properties that will work for the needs of your group. I will offer you a FREE CONSULTATION
Contact me today if you are interested in building wealth via real estate,.. it's not just about reality TV anymore folks.. it is being done across the nation, and NOW is the time to move forward with your financial plans for 2009!

Wednesday, December 3, 2008

Organ Donorship,.. a touching story,.. the gift of life

When Nancy Burke was 28, she underwent what most would have never dreamed of, a heart transplant. Hers is a beautiful story, and her family and friends have been blessed by having Nancy remain an inspiration in their lives.Links included on where you can register for organ donorship and give the gift of life.

read more | digg story

Saturday, November 29, 2008

Thankful for the Gift of Life, and Organ Donorship

What have we done with the last 19 years of our lives? What would we do if we knew we might only have 4 - 5 years left in our lives?

Those are tough questions, but I have a beautiful story to share of a family who has given much to me the last 19 years.

When I was 28, 19 years ago, my best friend since elementary school had something happen to her that changed my life. Yes, not just her life, but mine as well.

This story began 19 years ago.My friend Nancy's baby was just months old. Not long after this, Nancy caught what we thought was the flu, but shenever got any better. Within months what we thought was flu, then strep throat,then perhaps a mitral valve problem with her heart, we learned that she had cardio myopathy. Cardio myopathy is a disease of the heart muscle which causes enlargement of the heart and decreases it's function and ability to pump blood. My friend's heart was pumping at less than 4-6% by the time she reached the hospital the last time.

When Nancy was admitted to the hospital, the diagnosis was confirmed and the news was that she would need a heart transplant to survive. What, we asked? Wait, she's 28! Doesn't this happen to old people? We were shocked and in disbelief that a seemingly healthy 28 year old would need to go through something like this. She had been a dancer, a cheerleader.. was active, all the normal activities that high school and college kids are involved in, etc.

By the time Nancy reached the hospital for what she thought was a strep infection that had affected a mitral valve, her condition worsened by the day. She was unable to walk, even 20 feet without nearly passing out. Going up the stairs of her home was near impossible. Caring for her child was critically and increasingly difficult. The shock was setting in still as word spread of just how seriously sick she was and the diagnosis arrived of cardiomyopathy. The hospital was abuzz and the community rallied to support Nancy her husband Kelly and her infant daughter Sarah.

The treatment, the terms of her survival proved even more shocking. A heart transplant would be her only chance. At this time in our lives.. I suppose we had all been pretty sheltered. the number of heart transplants performed here in Tallahassee was very small, perhaps a dozen or less. Some had survived, others suffered daily with the consequences of the after treatment, etc. It was mind boggling to think that this could be happening.

Nancy's husband Kelly, a Tallahassee Police officer at the time, was by her side. Nancy's mom took care of little Sarah, and the prayer vigils began. Within a day, Nancy had suffered several deaths.. her heart ceasing to beat, and was revived each time. She was literally at death's door. Then, the miracle came, a call came from Kelly. A heart was on it's way to Tallahassee. All we knew is that is was being flown by jet to Tallahassee from Louisiana. I was there within minutes. I waited along with my mom, my best friend Lorie and a few others and paced the floor hoping that this was going to work. All we knew is that Nancy was prepped and waiting in the surgical room just yards from the waiting room. Prepped meaning, her old heart was out, and she was on artificial life support. This was her first chance, her only chance. 2 hours turned into days it seemed. We stood in the hall, nervously as we heard the blades of the helicopter which had met the jet at the airport. We saw the medical staff carrying the famous igloo cooler containing the gift of life. It was surreal, it was like a movie before all the reality TV craze, before the medical shows that now allow you to even watch surgeries, etc. It was beyond imagination.

45 minutes later, almost to the second, Nancy's surgeon came into the waiting room and announced that "The heart is in, it is a success, it looks beautiful and we are closing now." The room filled with tears, hugging, and amazement. 45 minutes. There was nothing more we could do really, but we lingered there for hours, just holding each other, just in awe and amazement.

The months that followed were difficult to say the least.. the years that followed even as each time Nancy got a cold or had to go in for biopsies.. it was pensive to say the least. Nancy revealed to all of us not long after her experience about what she remembered during the moments before her transplant. She remembers seeing the face of the Lord and his words to her,.."Nancy it's not time, it's just not time." I was astounded, as this is what you hear of in movies or read in books. You can believe what you wish, but as for me, I believe that is was not her time. For 19 years, Nancy's life has been a walking testimony of the gift of life, of the responsibility of life and lessons of faith that our Father has taught us all. Nancy and Kelly continue to minister to hundreds,.. to thousands through their lives, their experiences. There has been a purpose to her life, bigger than life itself.

Last night, 50 or so friends from that time, 19 years ago, and those we were close to from high school, and our little Nothside Baptist Church, gathered to celebrate the anniversary of Nancy's transplant. A cake, announcing 19 years young,..with 19 hearts along it's borders, good food, and fellowship between people who shared such an important bond. We presented Nancy with a frame endorsed with heartfelt sentiments from all that attended, however, more special than any of this,.. Nancy's donor's family was with us.

This was the first time most all of us have ever met these people. These precious folks who made a decision to donate the organs of their 16 year old daughter to give life to others. Without their sacrifice, we would not have our Nancy. The tears flowed, the gratitude embraced them. A father, a mother, an aunt, a grandmother and grandfather, beaming with pride as Nancy has become their daughter now as well.That relationship began on Nov. 20th, 19 years ago.. but they did not meet for 2 years after that time. Nancy had written several letters, but the transplant program had regulations about when it was appropriate to give these letters to the donor family.When they finally received their letters, the circle was complete, their prayers answered. A living memorial to their daughter was found.

Nancy and Kelly had another child, a son Ryan after this event. Ryan is now 12, adn Sarah is now 20. Another miracle, another leap of faith, another gift. A case history of probably one in 7 or 8 I think in the world. Impossible as it seems, the only explanation is that God is in control, God has a plan for these people, and we are lucky enough to have all been touched by it.

This incident changed my life.. Nancy is my miracle. I speak of her often, I remember often the loss of one family, and the gift that another immediate and extended family received. I became an organ donor days after that event. I hope that you share this with your families.. perhaps talk to your children, make your wishes known, and more importantly have your driver's license noted accordingly.

Here's Nancy's Family, Her donor Family and her immediate family. How precious these people are to me and to their friends and extended family!





Please check you Records, consider becoming an organ donor.. it is the ultimate gift.

In Florida see: Organ Donor

For other States go to: Organ Donor.

Tuesday, November 11, 2008

Florida's Beautiful Forgotten Coast

What a great way to spend a weekend! I love the beach in the summer, but the fall is "golden." These are just a few shots of Indian Pass on the Gulf Coast and a few stolen moments!

video

I spent the weekend with family and remember why I love the coast so much. Sunrises and Sunsets, solitude and memorable times will draw you to this little paradise too!
There are homes for sale, lots,..for amazing prices!
Located just southwest of Apalachiola and north east of Port. St. Joe, and buffered by Cape San Blas, Indian Pass is nestled among state parks and presrves. It is a place of solitude that is found just a few miles from cities where you can access basic needs and supplies. You really must visit to experience!

Interested in trading your home for a beach home? Come stay a while and experience the Gulf Coast. I will connect you with a Realtor to show you why this is such a special place!

Email me today to find out how!

Monday, November 3, 2008

More Than Customers



Today I lost a customer,...today I lost a friend.

As I sit and reflect about the world situation, the state of the market, the uncertainty of our lives, I am reflective on the certainties that we do have. Getting to know this sweet man was a certainty There is a reason people come into your life, and his presence in mine came at a very, very critical time. Knowing I had helped find him a place he could call home, a place he could sit at the end of every day, look out over the water and end each of his days with peace and quiet gave me something money can not buy.

Three years ago I met this special customer as he was referred to me by a friend on St. George's Island. He was a delightful man. Immediately we connected. I found delight in listening to his stories, his history, his tales of how he became successful. I became engaged in lively discussions, in his laughter and in his wisdom.

He was very specific and exact in his needs for a home here in Tallahassee. I've told the story a hundred times, and I still find it to be one of my favorites. His three requirements were: a waterfront home with a "great view" in a gated community, a large kitchen with access to an outdoor grill and a pantry large enough for wine storage, and lastly a small room for an office.

The view was a necessity. Although retired, he kept himself extremely busy. He had developed his own system for making money.. all after his retirement he was quick to tell me. Like most of us he worked for years in a corporate world, making money for someone else.. and now he enjoyed making money for himself, and was good at it! he even wrote a program for tracking his investments, etc. I often told him to sell it and make millions! He always giggled..always content with holding his secret close. So, ending each day in a place where he could look over the water, where breezes blew softly, where no one was glaring into his home, his life gave him solace. It was deserved I think, a reward that someone who worked so hard for deserves.

The second criteria, the kitchen. This man loved to cook! He enjoyed wine,.. he was constantly learning about wine, and he had a recipe I wish I had gotten for seafood gumbo, now lost. Deservedly taken, forever secret. We searched and found a home with a gas grill connection right outside the breakfast nook window,.. arms length, perfect he said for when the weather was bad, but accessible for indoor/outdoor grilling. I worried about him burning the house down.. but he seemed to have a system. Again, I have learned, don't question a master! We looked in pantries.. we looked for a wine closet or a refrigerator for his wine collection, we looked for open kitchens for cooking and enjoyment.

Lastly, he wanted an office. Now his office was different than most. His office furniture was,.. well, vintage. Practical and useful but not too "modern" he said. I somehow envisioned it similar to my grandfather's workbench. Stacks of projects, papers, books, circa 1940 file cabinet and his old metal blade desk fan with a frayed cloth cord. I tried not to think about it too much, a safety hazard.

So off we went! We had a good part of a day, and he wanted to see all 14 listings I had researched. Each one was different. Some elaborate, some simple and some simply disgusting causing us to laugh more than once. We joked about how people live, about his views of the things some people thought important and about the simplicity of his collections. He talked about his daughter, and having a place for her privacy when she visited from California and how he looked forward to her visits. We talked about his long car trips to see her, about driving across country to visit her. His car loaded with a bounty of wine as he timed his stops perfectly so that it would not spoil while unattended! The details of a mathematical, analytical mind amazed me and I was humbled.

We did not find the perfect house that day. There was however, the one listing that we did not see because the owner had a golf date and could not let us take a look on this day. After nearly 6 hours of looking, my sweet customer asked if there was anywhere we could go for a glass of wine. It was 3:30 pm! The one place I thought would be open at that hour was closing from lunch to prepare for the dinner crowd. After a brief request to the owner who happened to greet us, we got a table.. and we had the entire place to ourselves. I thought we might be having a glass of wine.. but instead a bottle was ordered by my customer. Now,..this is certainly not something I have a habit of doing,.. but this was a treat, and even more a treat to share it with someone I found so interesting. Some days you just have to let go and let moments like that sink in.

As we parted ways, I left him with the assurance that we would find that perfect house, and by now, I think I knew what it was that he was looking for.

The next morning, I decided to take a drive by the one house we missed. The sole picture on the Multiple Listing Service was far from attractive and barely recognizable. As I sat along the curb, I realized this home was on one of the best parts of the lake, it was far more beautiful than the picture and I knew I must make a preview appointment. I called the owner and asked if I could come in, just by myself, to preview the home. After telling her about my customer from the previous day. She allowed me to come in, and the moment I stepped in the foyer that opened up to a panoramic view of the lake, I knew I had found my customer's next home. I asked the lady if I could take photos, explaining my customer was out of town. Reluctantly, she allowed me to do so. I left and emailed those photos to him as soon as I got to the office. I then called, asked him to look at his email because I think I had found "the house". He agreed to come all the way back form St. George again, and when he arrived we went straight to the home. We examined it top to bottom.. and without too much emotion he asked that we go back to the office. I couldn't help but think, "uh-oh, that was a flop!"

We arrived back at the office and he asked me only one question. That was, "Do you think it is worth the sales price they are asking?" I replied yes. I ran a few comps to be certain, but quickly found confirmation. He then told me that he was about to do something that probably didn't happen often, but he wanted to make a full price, cash offer for the house..and wanted to write it up! We did,..and after all the paperwork, he asked if I wanted a glass of wine! Of course I did not hesitate,.. but this time I had to get back to the office shortly to get this contract presented, etc.

We closed without a hitch. He closed on the beach house, moved into the house and set up his furnishings just so.. and began the work of what he called "quiet time."

This transaction did not end here. Over the next three years, I kept in touch with my sweet customer. Checking in at least monthly, sometimes more. Making sure he was ok..introducing him to my accountant, having occasional lunches and enjoying surprise office visits. Sometimes I would just find a few bottles of wine on my desk, no note, no card,.. but I knew who they were from!

Two weeks ago, I did a quick drive by..as I did often to check on him and found him sweaty and hot from working in the yard. His speech was slurred and his memory notably different as we spoke. I learned he had recently had a series of mini strokes. He knew I was visibly upset and worried about him living alone still, etc. We talked about him having a key made for me for the next time I stopped in so that I could get in and check on him on occasion. Surprisingly he agreed. We talked about his daughter, and he reassured me that he spoke every week to her, without fail. We hugged and I went on home and made a lasagna and put it in the freezer for the next time we would meet.

Tax season arose and I spent too much time.. after working all day, gathering up tax information, readying it for my accountant. The same accountant to who I had recommended. they had quickly become friends as well. She and I talked about him during that visit. I told her how worried I was for him. That was two weeks ago.

Today, my accountant called me. she told me that he had passed away. He passed away in his home. He is gone. My heart is heavy. It took a while for me to call his daughter. Even when I reached her, I could not help but let the tears fall. I will miss this sweet soul, and I am sad for not seeing him, for getting that key, for taking that lasagna over there.

I am certain of one thing. He would not have wanted to be anywhere but at home. I pray that he did not suffer, but hope that his last views were of the lake. His last moments in a home he loved.

Again, I realize we can't hold onto what is not ours to begin with, but I respect what I am given. I am thankful for what I am given, for the time with those that are the quiet influences, the voices that give us moments we will not forget. This man was the best part of my job, his friendship a reminder of why I chose this career, and why my customers are important.

This is dedicated to my friend, my customer, and to each of you who have found happiness in your homes. In this life, there are little certainties, but rest assured, helping someone find a moment of happiness puts all that I do in perspective.

God Bless the soul and the family of my friend, Mr. Day.

Sunday, November 2, 2008

New Construction with 100% Financing!


New Construction and 100% Financing - Rural Housing



100% Financing is available through US Rural Housing. This program does not require mortgage insurance and is affordable financing with low interest rates. Worried about not having funds for down payment? None needed here! Maybe you don't even have enough for closing costs... I can help you negotiate for allowable seller paid closing costs!

Determining a home-buyer's eligibility for these programs is the first step. There are income limits for individuals, and those with families. These programs are not for everyone, but perfect for those who need them the most!

US Rural Housing Loans - Click Here to Read More

If you are shopping for a new home in the Florida, Tallahassee, Leon county area I can help you directly. If you are in any part of the United States and want to know if you are eligible, I will help you find a professional Realtor and a reputable lender who participate with these programs, I can help there as well. Now is the time to stop renting, to find a way to put your family in a home of your own. Interest rates are good, and these funds are available now! Email me if you have questions!

I have homes listed in the areas that qualify for this program, in Leon and the surrounding area counties. Woodville, just minutes from Capital Circle SE, Southwood complex, and downtown Tallahassee, falls in this eligibility area. Also in the eligible area is 27N - In the NW area of Leon county - From View Pointe subdivision out to the new subdivision River's Landing and subdivisions on Tower Road, off capital circle NW.

I have new construction listings that run from $140,000 - 190,000 which are eligible and ready for occupancy. If you are paying rent now.. if you have good credit, but think you just don't have cash to close.. call me, I can help! It is very possible you can purchase a home with little to no money down!

Call today for a buyer consultation or for more information about the availability of these programs in your area.

850.212.0440

Debbie Kirkland, Realtor

http://www.homesalesoftallahassee.com

Friday, October 3, 2008

Can't Make your Mortgage Payment? There is HOPE!

Being a Realtor sometimes involves a little more that the next "deal.”
Those of you who know me, know that my business is based on service on the needs of my customers only..so not surprising that I get many calls to help my friends and acquaintances problem solve with their real estate needs. My customers rely on me as a resource for many questions relating to their homes including issues from home repairs, decorating and remodeling referrals, to mortgage loans and issues. Most of the time, I can help with these questions and provide solutions to these issues.

Staying informed is my full time job.. just as you have to learn about your business, trade or industry, I have to stay on top of issues that affect my business and the ability to help people buy, sell, trade and build homes and real estate and or businesses. As of late.. this information has changed daily, sometimes twice a day! It is challenging to say the least. What do I do when I am not with customers? Well,.. I meet with lenders, with government officials, and read about what is affecting my business and my customers.

My question to you today is, “Do you know someone struggling to make their mortgage payments, or even facing foreclosure?” Has someone you known shared that they are struggling to make their mortgage payments? There are alternatives, solutions, but we must act quickly to help these people.

On Oct.1,2008, HUD rolled out a new program to help homeowners avoid foreclosure.
The HOPE program was authorized by the Economic and Housing Recovery Act of 2008 and was charged with establishing underwriting standards that will allow borrowers to acquire new FHA mortgages. In many cases, these loans will be “written down” and made at 90% of a new appraised value!

Right now, FHA loans seem to be the safest and most affordable loans compared to other high-priced loans that are risky and threaten homeowners abilities to manage and keep their homes.

The new program started on Oct. 1st but will only last through Sept. 30, 2011. There are qualifications a borrower must meet, the primary being that this must be an owner-occupied home. This is not for investment properties or second mortgages.

Borrowers need to contact their lenders to determine eligibility.

Here are the general requirements:
 The home is a primary residence, and borrowers have no ownership interest in other residential property such as second homes.
 The original mortgage originated on or before Jan. 1, 1008 and at least 6 payments have been made.
 A borrower is not able to pay their existing mortgage without help.
 As of March 2008, their total monthly mortgage payments due were more than 31% of their gross income. (New loans will be made for no more than 31% of income, if unsure if payments are affordable, a “trial modification” period is available prior to the new loan to prove ability and willingness for borrowers to re-pay)
 They have not been convicted of fraud in the past 10 years, intentionally defaulted on debts, and did not provide false information when they obtained their existing mortgage.

The Program includes the following provisions:

Borrowers are to attempt to participate in the program with their current lender.

 The loan amount my not exceed a maximum of $550,440.
 The new mortgage will be no more than 90% of the new appraised value including any up front mortgage insurance premium.
 The upfront mortgage insurance premium is 3% and the annual mortgage insurance is 1.5%
 The holder of the mortgage liens must waive prepayment and late payment fees.
 The existing first mortgage must accept the proceeds of the HOPE for homeowners loan as full settlement of all indebtedness.
 Existing subordinate lien holders must release their outstanding mortgage liens.
 Standard FHA policy regarding closing costs apply.
 The borrower must agree to share with FHA both the equity created at the beginning of the new mortgage and any future appreciation in the value of their home. (If the homeowner sells or refinances, they will share the equity with FHA on a sliding scale ranging from a 100 percent share after the first year to a 50% share after 5 years.)
 The borrower cannot take out a second mortgage in the first 5 years of the loan, except under circumstances for emergency repairs.

Homeowners In Need Should Act Now
While lenders are gearing up to offer this new program, families should not wait to seek mortgage relief. Right now, homeowners can determine if they are already eligible for mortgage assistance through FHASecure. They can obtain information through any of the following options:
• Contact current lender
• Contact a local, HUD-approved housing counseling agency at HUD.gov;
• Contact the HOPE NOW Alliance at 1 (888) 995-HOPE; or
• Call FHA at 1 (800) CALL-FHA.
If you have questions about this, please feel free to call me.. but do yourself or friends a favor and pass this along!

Debbie Kirkland, Realtor, CLG, E-Pro
Armor Realty of Tallahassee, Inc.
850-212-0440
debbiekirkland@homesalesoftallahassee.com

Saturday, September 27, 2008

Smoke Fish in a Chiminea - wikiHow

Smoke Fish in a Chiminea - wikiHow
Wondering what to do with your Chimnea in the summer? Well.. I'm going to test it out tomorrow.. will let you know how it goes!



How to Smoke Fish in a Chiminea


from wikiHow - The How to Manual That You Can Edit

A chiminea (also spelled chimenea) started off as a clay stove in Mexico but is now popular as a backyard accessory. An outdoor chiminea is not only nice to look at, but it can also be used to grill and smoke food. Here's how to use one to smoke fish.

Steps


  1. Select (or catch) a suitable fish (e.g. salmon, trout). Filet and leave the skin on.
  2. Place the fish skin side down in a glass bowl and coat the fish generously with brown sugar and kosher salt. This will pull the excess moisture from the fish. Leave in refrigerator overnight.
  3. Build a fire in the chiminea with a good hard wood (e.g. oak, pecan). Do not use a resinous wood like pine or wood that is rotted. Wait for the fire to die down so that there are no flames. You should be able to hold your hand over the chimney and count to ten.
  4. Rinse the salt and sugar off the fish and place it in a fish basket. Hang the basket inside the chimney by running a skewer across the opening. The chimney should be cool enough for you to do this without getting burned.
  5. Smoke for 4-6 hours. The fish should have the firmness of the flesh between your thumb and forefinger.


Tips


  • This is hot smoked fish. The longer you smoke it, the more it becomes like jerky.


Things You'll Need


  • Fish grilling basket
  • Skewers
  • Chiminea
  • Hardwood


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