
--
-- Table structure for table `jimmie_acymailing_config`
--

CREATE TABLE `jimmie_acymailing_config` (
  `namekey` varchar(200) NOT NULL,
  `value` text,
  PRIMARY KEY (`namekey`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_config`
--

INSERT INTO `jimmie_acymailing_config` VALUES ('level','Starter'),('version','1.8.4'),('from_name','Jimmie Van Hooser'),('from_email',' jvanhoos@realtracs.com'),('reply_name','Jimmie Van Hooser'),('reply_email',' jvanhoos@realtracs.com'),('bounce_email','jvanhoos@realtracs.com'),('add_names','1'),('mailer_method','phpmail'),('encoding_format','8bit'),('charset','UTF-8'),('word_wrapping','150'),('hostname',''),('embed_images','0'),('embed_files','1'),('editor','0'),('multiple_part','1'),('sendmail_path','/usr/sbin/sendmail'),('smtp_host','localhost'),('smtp_port',''),('smtp_secured',''),('smtp_auth','0'),('smtp_username',''),('smtp_password',''),('smtp_keepalive','1'),('queue_nbmail','40'),('queue_type','auto'),('queue_delay','3600'),('queue_try','3'),('queue_pause','20'),('allow_visitor','1'),('require_confirmation','0'),('priority_newsletter','3'),('allowedfiles','zip,doc,docx,pdf,xls,txt,gzip,rar,jpg,gif,xlsx,pps,csv,bmp,epg,ico,odg,odp,ods,odt,png,ppt,swf,xcf'),('uploadfolder','media/com_acymailing/upload'),('confirm_redirect',''),('subscription_message','1'),('notification_unsuball',''),('cron_next','1251990901'),('confirmation_message','1'),('welcome_message','1'),('unsub_message','1'),('cron_last','0'),('cron_fromip',''),('cron_report',''),('cron_frequency','900'),('cron_sendreport','2'),('cron_sendto','admin@mysite.michansa.com'),('cron_fullreport','1'),('cron_savereport','2'),('cron_savepath','media/com_acymailing/logs/report7061146.log'),('notification_created',''),('notification_accept',''),('notification_refuse',''),('forward','0'),('description_starter','Joomla!™ Newsletter System'),('description_essential','Joomla!™ Mailing Extension'),('description_business','Joomla!™ Newsletter Extension'),('description_enterprise','Joomla!™ Mailing Extension'),('priority_followup','2'),('unsub_redirect',''),('show_footer','1'),('use_sef','0'),('itemid','0'),('css_module','default'),('css_frontend','default'),('css_backend','default'),('installcomplete','1'),('bounce_email_bounce','delete'),('bounce_regex_bounce','deliver|daemon|fail|system|return|impos|unzustellbar'),('bounce_action_bounce','unsub'),('bounce_rules_bounce','Mailbox not accessible'),('bounce_email_end','forward'),('bounce_forward_end','admin@mysite.michansa.com'),('bounce_rules_end','Final Action'),('Starter','0'),('Essential','1'),('Business','2'),('Enterprise','3'),('queue_nbmail_auto','40'),('dkim_domain',''),('dkim_selector',''),('dkim_private',''),('dkim_passphrase',''),('dkim_identity',''),('dkim_public',''),('bounce_action_maxtry','noaction'),('bounce_action_lists_maxtry','1'),('autosub','None'),('allow_modif','data'),('notification_unsub',''),('sub_redirect',''),('modif_redirect',''),('unsubscription_message','1'),('confirm_message','0'),('comments_feature',''),('frontend_subject','1'),('frontend_pdf','0'),('frontend_print','0'),('show_description','1'),('show_headings','1'),('show_senddate','1'),('show_filter','1'),('open_popup','0'),('popup_width','750'),('popup_height','550'),('unsub_intro','UNSUB_INTRO'),('unsub_dispoptions','1'),('unsub_survey','1');

--
-- Table structure for table `jimmie_acymailing_fields`
--

CREATE TABLE `jimmie_acymailing_fields` (
  `fieldid` smallint(5) unsigned NOT NULL AUTO_INCREMENT,
  `fieldname` varchar(250) NOT NULL,
  `namekey` varchar(50) NOT NULL,
  `type` varchar(50) DEFAULT NULL,
  `value` text NOT NULL,
  `published` tinyint(3) unsigned NOT NULL DEFAULT '1',
  `ordering` smallint(5) unsigned DEFAULT '99',
  `options` text,
  `core` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `required` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `backend` tinyint(3) unsigned NOT NULL DEFAULT '1',
  `frontcomp` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `default` varchar(250) DEFAULT NULL,
  `listing` tinyint(4) DEFAULT NULL,
  PRIMARY KEY (`fieldid`),
  UNIQUE KEY `namekey` (`namekey`)
) ENGINE=MyISAM AUTO_INCREMENT=4 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_fields`
--

INSERT INTO `jimmie_acymailing_fields` VALUES (1,'NAMECAPTION','name','text','',1,1,'',1,1,1,1,'',1),(2,'EMAILCAPTION','email','text','',1,2,'',1,1,1,1,'',1),(3,'RECEIVE','html','radio','0::JOOMEXT_TEXT\n1::HTML',1,3,'',1,1,1,1,'1',1);

--
-- Table structure for table `jimmie_acymailing_filter`
--

CREATE TABLE `jimmie_acymailing_filter` (
  `filid` mediumint(8) unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(250) DEFAULT NULL,
  `description` text,
  `published` tinyint(3) unsigned DEFAULT NULL,
  `lasttime` int(10) unsigned DEFAULT NULL,
  `trigger` text,
  `report` text,
  `action` text,
  `filter` text,
  PRIMARY KEY (`filid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_filter`
--


--
-- Table structure for table `jimmie_acymailing_history`
--

CREATE TABLE `jimmie_acymailing_history` (
  `subid` int(10) unsigned NOT NULL,
  `date` int(10) unsigned NOT NULL,
  `ip` varchar(50) DEFAULT NULL,
  `action` varchar(50) NOT NULL COMMENT 'different actions: created,modified,confirmed',
  `data` text,
  `source` text,
  KEY `subid` (`subid`,`date`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_history`
--

INSERT INTO `jimmie_acymailing_history` VALUES (2,1432075773,'156.108.248.66','created','','HTTP_REFERER::http://jimmie.mysite.houseinclarksville.com/\nHTTP_USER_AGENT::Mozilla/5.0 (compatible; MSIE 9.0; Windows NT 6.1; WOW64; Trident/5.0)\nHTTP_HOST::jimmie.mysite.houseinclarksville.com\nSERVER_ADDR::69.167.147.233\nREMOTE_ADDR::156.108.248.66\nREQUEST_URI::/index.php');

--
-- Table structure for table `jimmie_acymailing_list`
--

CREATE TABLE `jimmie_acymailing_list` (
  `name` varchar(250) NOT NULL,
  `description` text,
  `ordering` smallint(10) unsigned DEFAULT NULL,
  `listid` smallint(10) unsigned NOT NULL AUTO_INCREMENT,
  `published` tinyint(11) DEFAULT NULL,
  `userid` int(10) unsigned DEFAULT NULL,
  `alias` varchar(250) DEFAULT NULL,
  `color` varchar(30) DEFAULT NULL,
  `visible` tinyint(4) NOT NULL DEFAULT '1',
  `welmailid` mediumint(11) DEFAULT NULL,
  `unsubmailid` mediumint(11) DEFAULT NULL,
  `type` enum('list','campaign') NOT NULL DEFAULT 'list',
  `access_sub` varchar(250) DEFAULT 'all',
  `access_manage` varchar(250) NOT NULL DEFAULT 'none',
  `languages` varchar(250) NOT NULL DEFAULT 'all',
  PRIMARY KEY (`listid`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_list`
--

INSERT INTO `jimmie_acymailing_list` VALUES ('Newsletters','Receive our latest news',1,1,1,62,'mailing_list','#3366ff',1,NULL,NULL,'list','all','none','all');

--
-- Table structure for table `jimmie_acymailing_listcampaign`
--

CREATE TABLE `jimmie_acymailing_listcampaign` (
  `campaignid` smallint(10) unsigned NOT NULL,
  `listid` smallint(10) unsigned NOT NULL,
  PRIMARY KEY (`campaignid`,`listid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_listcampaign`
--


--
-- Table structure for table `jimmie_acymailing_listmail`
--

CREATE TABLE `jimmie_acymailing_listmail` (
  `listid` int(10) unsigned NOT NULL,
  `mailid` int(10) unsigned NOT NULL,
  PRIMARY KEY (`listid`,`mailid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_listmail`
--


--
-- Table structure for table `jimmie_acymailing_listsub`
--

CREATE TABLE `jimmie_acymailing_listsub` (
  `listid` smallint(11) unsigned NOT NULL,
  `subid` int(11) unsigned NOT NULL,
  `subdate` int(11) unsigned DEFAULT NULL,
  `unsubdate` int(11) unsigned DEFAULT NULL,
  `status` tinyint(4) NOT NULL,
  PRIMARY KEY (`listid`,`subid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_listsub`
--

INSERT INTO `jimmie_acymailing_listsub` VALUES (1,1,1301598816,NULL,1),(1,2,1432075773,NULL,1);

--
-- Table structure for table `jimmie_acymailing_mail`
--

CREATE TABLE `jimmie_acymailing_mail` (
  `mailid` mediumint(10) unsigned NOT NULL AUTO_INCREMENT,
  `subject` varchar(250) NOT NULL,
  `body` longtext NOT NULL,
  `altbody` longtext NOT NULL,
  `published` tinyint(4) DEFAULT '1',
  `senddate` int(10) unsigned DEFAULT NULL,
  `created` int(10) unsigned DEFAULT NULL,
  `fromname` varchar(250) NOT NULL,
  `fromemail` varchar(250) NOT NULL,
  `replyname` varchar(250) NOT NULL,
  `replyemail` varchar(250) NOT NULL,
  `type` enum('news','autonews','followup','unsub','welcome','notification') NOT NULL DEFAULT 'news',
  `visible` tinyint(4) NOT NULL DEFAULT '1',
  `userid` int(10) unsigned DEFAULT NULL,
  `alias` varchar(250) DEFAULT NULL,
  `attach` text,
  `html` tinyint(4) NOT NULL DEFAULT '1',
  `tempid` smallint(11) NOT NULL DEFAULT '0',
  `key` varchar(200) DEFAULT NULL,
  `frequency` varchar(50) DEFAULT NULL,
  `params` text,
  `sentby` int(11) unsigned DEFAULT NULL,
  `metakey` text,
  `metadesc` text,
  PRIMARY KEY (`mailid`),
  KEY `senddate` (`senddate`)
) ENGINE=MyISAM AUTO_INCREMENT=9 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_mail`
--

INSERT INTO `jimmie_acymailing_mail` VALUES (1,'New Subscriber on your website','<p>Hello {subtag:name},</p><p>A new user has been created in AcyMailing : </p><blockquote><p>Name : {user:name}</p><p>Email : {user:email}</p><p>IP : {user:ip} </p></blockquote>','',1,NULL,NULL,'','','','','notification',0,NULL,'notification_created',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(2,'A User unsubscribed from all your lists','<p>Hello {subtag:name},</p><p>The user {user:name} : {user:email} unsubscribed from all your lists</p><p>{survey}</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'notification_unsuball',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(3,'A User unsubscribed','<p>Hello {subtag:name},</p><p>The user {user:name} : {user:email} unsubscribed from your list</p><p>{survey}</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'notification_unsub',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(4,'A User refuses to receive e-mails from your website','<p>The User {user:name} : {user:email} refuses to receive any e-mail anymore from your website.</p><p>{survey}</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'notification_refuse',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(5,'{subtag:name}, please confirm your subscription','<p> Hello {subtag:name}, </p><p><strong>{confirm}Click here to confirm your subscription{/confirm}</strong></p>','',1,NULL,NULL,'','','','','notification',0,NULL,'confirmation',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(6,'AcyMailing Cron Report','<p>{report}</p><p>{detailreport}</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'report',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(7,'A Newsletter has been generated : \"{subject}\"','<p>The Newsletter issue {issuenb} has been generated : </p><p>Subject : {subject}</p><p>{body}</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'notification_autonews',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL),(8,'Modify your subscription','<p>Hello {subtag:name}, </p><p>You requested some changes on your subscription,</p><p>Please {modify}click here{/modify} to be identified as the owner of this account and then modify your subscription.</p>','',1,NULL,NULL,'','','','','notification',0,NULL,'modif',NULL,1,0,NULL,NULL,NULL,NULL,NULL,NULL);

--
-- Table structure for table `jimmie_acymailing_queue`
--

CREATE TABLE `jimmie_acymailing_queue` (
  `senddate` int(10) unsigned NOT NULL,
  `subid` int(10) unsigned NOT NULL,
  `mailid` mediumint(10) unsigned NOT NULL,
  `priority` tinyint(3) unsigned DEFAULT '3',
  `try` tinyint(3) unsigned NOT NULL DEFAULT '0',
  PRIMARY KEY (`subid`,`mailid`),
  KEY `senddate` (`senddate`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_queue`
--


--
-- Table structure for table `jimmie_acymailing_stats`
--

CREATE TABLE `jimmie_acymailing_stats` (
  `mailid` mediumint(10) unsigned NOT NULL,
  `senthtml` int(10) unsigned NOT NULL DEFAULT '0',
  `senttext` int(10) unsigned NOT NULL DEFAULT '0',
  `senddate` int(10) unsigned NOT NULL,
  `openunique` mediumint(10) unsigned NOT NULL DEFAULT '0',
  `opentotal` int(10) unsigned NOT NULL DEFAULT '0',
  `bounceunique` mediumint(10) unsigned NOT NULL DEFAULT '0',
  `fail` mediumint(10) unsigned NOT NULL DEFAULT '0',
  `clicktotal` int(10) unsigned NOT NULL DEFAULT '0',
  `clickunique` mediumint(10) unsigned NOT NULL DEFAULT '0',
  `unsub` mediumint(10) unsigned NOT NULL DEFAULT '0',
  `forward` mediumint(10) unsigned NOT NULL DEFAULT '0',
  PRIMARY KEY (`mailid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_stats`
--


--
-- Table structure for table `jimmie_acymailing_subscriber`
--

CREATE TABLE `jimmie_acymailing_subscriber` (
  `subid` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `email` varchar(200) NOT NULL,
  `userid` int(10) unsigned DEFAULT NULL,
  `name` varchar(250) NOT NULL,
  `created` int(10) unsigned DEFAULT NULL,
  `confirmed` tinyint(4) NOT NULL DEFAULT '0',
  `enabled` tinyint(4) NOT NULL DEFAULT '1',
  `accept` tinyint(4) NOT NULL DEFAULT '1',
  `ip` varchar(100) DEFAULT NULL,
  `html` tinyint(4) NOT NULL DEFAULT '1',
  `key` varchar(250) DEFAULT NULL,
  PRIMARY KEY (`subid`),
  UNIQUE KEY `email` (`email`),
  KEY `userid` (`userid`)
) ENGINE=MyISAM AUTO_INCREMENT=3 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_subscriber`
--

INSERT INTO `jimmie_acymailing_subscriber` VALUES (1,'admin@mysite.houseinclarksville.com',62,'Administrator',1301597653,1,1,1,NULL,1,NULL),(2,'racecar70@live.com',NULL,'Robert Walp',1432075773,0,1,1,'156.108.248.66',1,'f71693ef2b08df85d2888c1fa09b7345');

--
-- Table structure for table `jimmie_acymailing_template`
--

CREATE TABLE `jimmie_acymailing_template` (
  `tempid` smallint(11) unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(250) DEFAULT NULL,
  `description` text,
  `body` longtext,
  `altbody` longtext,
  `created` int(10) unsigned DEFAULT NULL,
  `published` tinyint(4) NOT NULL DEFAULT '1',
  `premium` tinyint(4) NOT NULL DEFAULT '0',
  `ordering` smallint(10) unsigned NOT NULL DEFAULT '99',
  `namekey` varchar(50) NOT NULL,
  `styles` text,
  `subject` varchar(250) DEFAULT NULL,
  `stylesheet` text,
  `fromname` varchar(250) DEFAULT NULL,
  `fromemail` varchar(250) DEFAULT NULL,
  `replyname` varchar(250) DEFAULT NULL,
  `replyemail` varchar(250) DEFAULT NULL,
  PRIMARY KEY (`tempid`),
  UNIQUE KEY `namekey` (`namekey`)
) ENGINE=MyISAM AUTO_INCREMENT=4 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_template`
--

INSERT INTO `jimmie_acymailing_template` VALUES (1,'White Shadow Red','<img src=\"media/com_acymailing/templates/newsletter-1/newsletter-1.png\" />','<div style=\"background-color:#e2e8df;width:100%;font-family:Tahoma, Geneva, Kalimati, sans-serif;color:#8a8a8a;text-align:center\">\r\n\r\n<table width=\"560\" cellpadding=\"0\" cellspacing=\"0\" style=\"text-align:left;margin:auto;\">\r\n    <tr>\r\n    	<td colspan=\"3\" class=\"hideonline\" style=\"padding:20px 0px;font-size:10px;color:#000000;margin:auto;text-align:center;\">This email contains graphics, so if you don\'t see them, {readonline}view it in your browser{/readonline}.</td>\r\n    </tr>\r\n    <tr>\r\n        <td width=\"37\">\r\n        </td>\r\n\r\n        <td style=\"background-color:#fbfbf7\" width=\"496\" valign=\"top\">\r\n        	<table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\">\r\n                <tr>\r\n                	<td height=\"20\" colspan=\"2\">\r\n\r\n                    </td>\r\n\r\n                </tr>\r\n                <tr>\r\n                	<td width=\"20\">\r\n                    </td>\r\n                    <td height=\"110\" width=\"456\" style=\"background-color:#F9F7D3\">\r\n                    	<table width=\"456\" height=\"110\" cellpadding=\"0\" cellspacing=\"0\">\r\n                            <tr>\r\n                                <td height=\"11\" colspan=\"3\">\r\n                                </td>\r\n                            </tr>\r\n                            <tr>\r\n                            	<td width=\"7\" >\r\n                                </td>\r\n                                <td>\r\n                                	<img src=\"http://www.acyba.com/images/templates/newsletter-1/logo-icon.png\" alt=\"\"/>\r\n                                </td>\r\n                                <td valign=\"top\">\r\n                                	<table width=\"100%\" height=\"100%\" cellpadding=\"0\" cellspacing=\"0\">\r\n                                    	<tr>\r\n                                        	<td align=\"right\"  valign=\"top\" height=\"71\">\r\n                                            	<h1>AcyMailing is Out!</h1>\r\n                                            </td>\r\n                                            <td width=\"15\">\r\n                                            </td>\r\n\r\n                                        </tr>\r\n                                        <tr>\r\n                                        	<td align=\"right\" height=\"15\" valign=\"baseline\" >\r\n                                            	<img alt=\"\" src=\"http://www.acyba.com/images/templates/newsletter-1/company-name.png\" height=\"15\"/>\r\n                                            </td>\r\n                                        </tr>\r\n                                     </table>\r\n\r\n\r\n                                </td>\r\n\r\n\r\n                            </tr>\r\n\r\n                            <tr>\r\n                                <td height=\"3\"  colspan=\"3\">\r\n\r\n                                </td>\r\n\r\n\r\n                            </tr>\r\n\r\n\r\n                        </table>\r\n                    </td>\r\n                    <td width=\"20\">\r\n                    </td>\r\n\r\n                </tr>\r\n                <tr>\r\n                	<td colspan=\"5\">\r\n                    	<table width=\"100%\">\r\n                        	<tr>\r\n                            	<td width=\"60\">\r\n                                </td>\r\n                                <td>\r\n                                	<table width=\"100%\">\r\n                                    	<tr>\r\n                                        	<td>\r\n                                                    <h3>E-Mail</h3>\r\n                                                    <h6>&nbsp;</h6>\r\n                                                    <table>\r\n                                                    	<tr>\r\n                                                        	<td width=\"280\" style=\"font-size:10px;text-align:justify\" valign=\"top\">\r\n                                                           	 	Electronic mail, often abbreviated as email or e-mail, is a method of exchanging digital messages, designed primarily for human use. E-mail systems are based on a store-and-forward model in which e-mail computer server systems accept, forward, deliver and store messages on behalf of users, who only need to connect to the e-mail infrastructure, typically an e-mail server, with a network-enabled device (e.g., a personal computer) for the duration of message submission or retrieval.<br/><a href=\"http://en.wikipedia.org/wiki/E-mail\">Wikipedia</a>\r\n                                                            </td>\r\n                                                            <td>\r\n                                                            	<img alt=\"\" src=\"http://www.acyba.com/images/templates/newsletter-1/acymailing.png\" />\r\n                                                            </td>\r\n                                                        </tr>\r\n													</table>\r\n                                            </td>\r\n                                        </tr>\r\n                                    </table>\r\n\r\n                                </td>\r\n                                <td width=\"60\">\r\n                                </td>\r\n                            </tr>\r\n\r\n                            <tr>\r\n                            	<td width=\"60\">\r\n                                </td>\r\n                                <td>\r\n                                	<table width=\"100%\">\r\n                                    	<tr>\r\n                                        	<td>\r\n                                                    <h3>Marketing Campaign</h3>\r\n                                                    <h6>&nbsp;</h6>\r\n                                                    <table>\r\n                                                    	<tr>\r\n                                                        	<td width=\"140\" style=\"font-size:10px;text-align:justify\" valign=\"top\">\r\n                                                           	 	Marketing is an integrated communications-based process through which individuals and communities are informed or persuaded that existing and newly-identified needs and wants may be satisfied by the products and services of others.\r\n                                                            </td>\r\n                                                            <td>\r\n                                                            	<img alt=\"\" src=\"media/com_acymailing/templates/newsletter-1/vert-separator.png\" />\r\n                                                            </td>\r\n                                                            <td>\r\n                                                            	<img alt=\"\" src=\"http://www.acyba.com/images/templates/newsletter-1/essential.png\" />\r\n                                                            </td>\r\n                                                            <td>\r\n                                                            	<img alt=\"\" src=\"media/com_acymailing/templates/newsletter-1/vert-separator.png\" />\r\n                                                            </td>\r\n                                                            <td width=\"140\" style=\"font-size:10px;text-align:justify\" valign=\"top\">\r\n                                                           	 	Marketing is used to create the customer, to keep the customer and to satisfy the customer.  <a href=\"http://en.wikipedia.org/wiki/Marketing_campaign\">Wikipedia</a>\r\n                                                            </td>\r\n                                                        </tr>\r\n													</table>\r\n                                            </td>\r\n                                        </tr>\r\n                                    </table>\r\n\r\n                                </td>\r\n                                <td width=\"60\">\r\n                                </td>\r\n                            </tr>\r\n\r\n                            <tr>\r\n                            	<td width=\"60\">\r\n                                </td>\r\n                                <td>\r\n                                	<table width=\"100%\">\r\n                                    	<tr>\r\n                                        	<td>\r\n                                                    <h3>Joomla!</h3>\r\n                                                    <h6>&nbsp;</h6>\r\n                                                    <table>\r\n                                                    	<tr>\r\n                                                        	<td width=\"200\" style=\"font-size:10px;text-align:justify\" valign=\"top\">\r\n                                                           	 	Joomla! is a content management system platform for publishing content on the World Wide Web and intranets as well as a Model–view–controller (MVC) Web Application Development framework.\r\n                                                            </td>\r\n                                                            <td>\r\n                                                            	<img alt=\"\" src=\"media/com_acymailing/templates/newsletter-1/vert-separator.png\" />\r\n                                                            </td>\r\n                                                            <td width=\"200\" style=\"font-size:10px;text-align:justify\" valign=\"top\" >\r\n                                                           	 	The system includes features such as page caching to improve performance, RSS feeds, printable versions of pages, news flashes, blogs, polls, website searching, and language internationalization.<br/><a href=\"http://en.wikipedia.org/wiki/Joomla\">Wikipedia</a>\r\n                                                            </td>\r\n                                                        </tr>\r\n													</table>\r\n                                            </td>\r\n                                        </tr>\r\n                                    </table>\r\n\r\n                                </td>\r\n                                <td width=\"60\">\r\n                                </td>\r\n                            </tr>\r\n\r\n\r\n                        </table>\r\n                    </td>\r\n                </tr>\r\n\r\n            </table>\r\n        </td>\r\n        <td width=\"27\">\r\n        </td>\r\n\r\n    </tr>\r\n    <tr>\r\n    	<td colspan=\"3\"><img src=\"media/com_acymailing/templates/newsletter-1/page-footer.png\" alt=\"\"/></td>\r\n    </tr>\r\n\r\n    <tr>\r\n    	<td colspan=\"3\" style=\"padding:20px 0px;font-size:10px;color:#000000;margin:auto;text-align:center;\">Not interested any more? {unsubscribe}Unsubscribe{/unsubscribe}</td>\r\n    </tr>\r\n</table>\r\n\r\n\r\n</div>','',NULL,1,0,1,'newsletter-1','a:9:{s:16:\"acymailing_title\";s:89:\"color:#8a8a8a;font-weight:normal;font-size:14px;margin:0;border-bottom:5px solid #d39f9f;\";s:16:\"acymailing_unsub\";s:31:\"font-weight:bold;color:#000000;\";s:19:\"acymailing_readmore\";s:14:\"color:#d39f9f;\";s:17:\"acymailing_online\";s:31:\"font-weight:bold;color:#000000;\";s:6:\"tag_h1\";s:126:\"margin-bottom:0;margin-top:0;font-family:Tahoma, Geneva, Kalimati, sans-serif;font-size:26px;color:#d47e7e;vertical-align:top;\";s:6:\"tag_h2\";s:100:\"color:#8a8a8a !important;font-weight:normal;font-size:14px;margin:0;border-bottom:5px solid #d39f9f;\";s:6:\"tag_h6\";s:34:\"background-color:#d39f9f;margin:0;\";s:6:\"tag_h3\";s:68:\"color:#8a8a8a !important;font-weight:normal;font-size:100%;margin:0;\";s:8:\"color_bg\";s:7:\"#e2e8df\";}',NULL,NULL,NULL,NULL,NULL,NULL),(2,'Clean White Pink','<img src=\"media/com_acymailing/templates/newsletter-2/newsletter-2.png\" />','<div style=\"background-color:#ffffff;width:100%;font-family:Tahoma, Geneva, Kalimati, sans-serif;color:#8a8a8a;text-align:center\">\r\n\r\n<table width=\"600\" cellpadding=\"0\" cellspacing=\"0\" style=\"text-align:left;margin:auto;\">\r\n    <tr>\r\n    	<td colspan=\"3\" class=\"hideonline\" style=\"padding:20px 0px;font-size:10px;color:#000000;margin:auto;text-align:center;\">This email contains graphics, so if you don\'t see them, {readonline}view it in your browser{/readonline}.</td>\r\n    </tr>\r\n    <tr>\r\n\r\n        <td width=\"370\" valign=\"top\">\r\n        	<table cellpadding=\"0\" cellspacing=\"0\">\r\n            	<tr>\r\n                	<td height=\"40\" valign=\"top\">\r\n                    	<h1>AcyMailing is Out!</h1>\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td>\r\n\r\n                        <h3>E-Mail</h3>\r\n                        <h6>&nbsp;</h6>\r\n                        <table>\r\n                            <tr>\r\n                                <td style=\"text-align:justify\">\r\n                                <p style=\"font-size:10px;margin-top:0px;\">Electronic mail, often abbreviated as email or e-mail, is a method of exchanging digital messages, designed primarily for human use.<br/><a href=\"http://en.wikipedia.org/wiki/E-mail\">Wikipedia</a></p>\r\n                                </td>\r\n                                <td width=\"30%\" style=\"text-align:center\">\r\n                                    <img src=\"http://www.acyba.com/images/templates/newsletter-1/acymailing.png\" alt=\"\" />\r\n                                </td>\r\n                            </tr>\r\n                            <tr>\r\n                                <td colspan=\"2\" align=\"right\">\r\n                                    <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                </td>\r\n                            </tr>\r\n                         </table>\r\n                    </td>\r\n\r\n                </tr>\r\n                <tr>\r\n                	<td height=\"20\">\r\n                    </td>\r\n                </tr>\r\n                <tr>\r\n                	<td>\r\n                        <h3>Marketing Campaign</h3>\r\n                        <h6>&nbsp;</h6>\r\n                        <table>\r\n                            <tr>\r\n                                <td valign=\"top\" style=\"text-align:justify\" width=\"35%\">\r\n                                <p style=\"font-size:10px;margin-top:0px;\">Marketing is an integrated communications-based process through which individuals and communities are informed or persuaded that existing and newly-identified needs and wants may be satisfied by the products and services of others.</p>\r\n                                </td>\r\n                                <td>\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-1/vert-separator.png\" alt=\"\" />\r\n                                </td>\r\n                                <td style=\"text-align:center\">\r\n                                    <img src=\"http://www.acyba.com/images/templates/newsletter-1/essential.png\" alt=\"\"  />\r\n                                </td>\r\n                                <td>\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-1/vert-separator.png\" alt=\"\" />\r\n                                </td>\r\n                                <td  valign=\"top\" style=\"text-align:justify\" width=\"30%\">\r\n                                    <p style=\"font-size:10px;margin-top:0px;\">Marketing is used to create the customer, to keep the customer and to satisfy the customer.  <a href=\"http://en.wikipedia.org/wiki/Marketing_campaign\">Wikipedia</a></p>\r\n                                </td>\r\n                            </tr>\r\n                            <tr>\r\n                                <td colspan=\"5\" align=\"right\">\r\n                                    <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                </td>\r\n                            </tr>\r\n\r\n\r\n                         </table>\r\n                    </td>\r\n\r\n                </tr>\r\n            </table>\r\n        </td>\r\n\r\n        <td width=\"20\">\r\n        </td>\r\n\r\n        <td width=\"210\" valign=\"top\">\r\n        	<table cellpadding=\"0\" cellspacing=\"0\">\r\n            	<tr>\r\n                	<td>\r\n                    	<img src=\"http://www.acyba.com/images/templates/newsletter-2/logo-icon.jpg\" width=\"207\" height=\"137\" alt=\"\">\r\n                    </td>\r\n\r\n                </tr>\r\n                <tr>\r\n                	<td>\r\n                        <h3>Joomla!</h3>\r\n                        <h6>&nbsp;</h6>\r\n                        <table>\r\n                            <tr>\r\n                                <td style=\"text-align:justify\">\r\n                                <p style=\"font-size:10px;margin-top:0px;\">Joomla! is a content management system platform for publishing content on the World Wide Web and intranets as well as a Model–view–controller (MVC) Web Application Development framework.</p>\r\n                                </td>\r\n                           </tr>\r\n\r\n                           <tr>\r\n                                <td>\r\n                                <img src=\"media/com_acymailing/templates/newsletter-2/hori-separator.png\" alt=\"\" />\r\n                                </td>\r\n                           </tr>\r\n\r\n                           <tr>\r\n                                <td style=\"text-align:justify\">\r\n                                    <p style=\"font-size:10px;margin-top:0px;\">The system includes features such as page caching to improve performance, RSS feeds, printable versions of pages, news flashes, blogs, polls, website searching, and language internationalization.<br/><a href=\"http://en.wikipedia.org/wiki/Joomla\">Wikipedia</a></p>\r\n                                </td>\r\n                            </tr>\r\n                            <tr>\r\n                                <td align=\"right\">\r\n                                    <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                </td>\r\n                            </tr>\r\n                         </table>\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n            </table>\r\n        </td>\r\n\r\n    </tr>\r\n    <tr>\r\n    	<td colspan=\"3\" style=\"padding:20px 0px;font-size:10px;color:#000000;margin:auto;text-align:center;\">Not interested any more? {unsubscribe}Unsubscribe{/unsubscribe}</td>\r\n    </tr>\r\n</table>\r\n\r\n\r\n</div>','',NULL,1,0,2,'newsletter-2','a:6:{s:16:\"acymailing_title\";s:63:\"color:#8a8a8a;text-align:right;border-bottom:6px solid #d39fc9;\";s:6:\"tag_h1\";s:143:\"margin-bottom:0;margin-top:0;font-family:Tahoma, Geneva, Kalimati, sans-serif;font-size:26px;color:#d47e7e;vertical-align:top;text-align:center\";s:8:\"color_bg\";s:7:\"#ffffff\";s:6:\"tag_h2\";s:74:\"color:#8a8a8a !important;text-align:right;border-bottom:6px solid #d39fc9;\";s:6:\"tag_h3\";s:85:\"color:#8a8a8a !important;text-align:right;font-weight:normal;font-size:100%;margin:0;\";s:6:\"tag_h6\";s:34:\"background-color:#d39fc9;margin:0;\";}',NULL,NULL,NULL,NULL,NULL,NULL),(3,'Rounders and corners','<img src=\"media/com_acymailing/templates/newsletter-3/newsletter-3.png\" />','<div style=\"background-color:#dfe6e8;width:100%;font-family:Tahoma, Geneva, Kalimati, sans-serif;color:#8a8a8a;text-align:center\">\r\n\r\n<table width=\"600\" cellpadding=\"0\" cellspacing=\"0\" style=\"text-align:left;margin:auto;\">\r\n    <tr>\r\n    	<td colspan=\"3\" class=\"hideonline\" style=\"font-size:10px;color:#000000;margin:auto;text-align:center;padding:20px 0px\">This email contains graphics, so if you don\'t see them, {readonline}view it in your browser{/readonline}.</td>\r\n    </tr>\r\n    <tr>\r\n        <td width=\"216\" valign=\"top\">\r\n        	<table cellpadding=\"0\" cellspacing=\"0\">\r\n            	<tr>\r\n                	<td style=\"text-align: center\">\r\n                    	<img src=\"http://www.acyba.com/images/templates/newsletter-3/logo-icon.jpg\" width=\"207\" height=\"137\" alt=\"\">\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td height=\"20\">\r\n\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td>\r\n\r\n                            <table cellspacing=\"0\" cellpadding=\"0\">\r\n                                <tr style=\"line-height:0;\">\r\n                                    <td colspan=\"3\" width=\"216\" height=\"15\">\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-3/top23rds.png\" alt=\"\" />\r\n                                    </td>\r\n                                </tr>\r\n                                <tr>\r\n                                    <td style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                                    <td style=\"background-color:#FFFFFF\" width=\"186\" >\r\n                                        <h3>Joomla!</h3>\r\n                                        <h6>&nbsp;</h6>\r\n                                        <table>\r\n                                            <tr>\r\n\r\n                                                <td>\r\n                                                <p style=\"font-size:10px;margin-top:0px;\">Joomla! is a content management system platform for publishing content on the World Wide Web and intranets as well as a Model–view–controller (MVC) Web Application Development framework.</p>\r\n                                                <img src=\"media/com_acymailing/templates/newsletter-2/hori-separator.png\" alt=\"\" />\r\n                                                <p style=\"font-size:10px;\">The system includes features such as page caching to improve performance, RSS feeds, printable versions of pages, news flashes, blogs, polls, website searching, and language internationalization.<br/><a href=\"http://en.wikipedia.org/wiki/Joomla\">Wikipedia</a></p>\r\n                                                </td>\r\n\r\n                                            </tr>\r\n                                            <tr>\r\n                                                <td align=\"right\">\r\n                                                    <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                                </td>\r\n                                            </tr>\r\n                                      </table>\r\n\r\n\r\n                                    </td>\r\n                                    <td style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                                </tr>\r\n                                <tr style=\"line-height:0;\">\r\n                                    <td  colspan=\"3\" width=\"216\" height=\"15\">\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-3/bottom23rds.png\" alt=\"\"/>\r\n                                    </td>\r\n                                </tr>\r\n                            </table>\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n            </table>\r\n        </td>\r\n\r\n\r\n\r\n\r\n        <td width=\"20\">\r\n        </td>\r\n  <td width=\"364\" valign=\"top\">\r\n        	<table cellpadding=\"0\" cellspacing=\"0\">\r\n            	<tr>\r\n                	<td width=\"325\" height=\"48\" style=\"background-color:#ffffff;color:#d47e7e;text-align:center;\">\r\n                        <h1>AcyMailing is Out!</h1>\r\n                  </td>\r\n\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td height=\"20\">\r\n\r\n                    </td>\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td>\r\n                            <table cellspacing=\"0\" cellpadding=\"0\">\r\n                                <tr style=\"line-height:0;\">\r\n                                    <td colspan=\"3\" width=\"323\" height=\"15\">\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-3/top23rd.png\" alt=\"\" />\r\n                                    </td>\r\n                                </tr>\r\n                                <tr>\r\n                                    <td style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                                    <td style=\"background-color:#FFFFFF\" width=\"293\" >\r\n                                        <h3>E-Mail</h3>\r\n                                        <h6>&nbsp;</h6>\r\n                                        <table>\r\n                                            <tr>\r\n                                                <td>\r\n                                                    <img src=\"http://www.acyba.com/images/templates/newsletter-1/acymailing.png\" alt=\"\" />\r\n                                                </td>\r\n                                                <td>\r\n                                                <p style=\"font-size:10px;margin-top:0px;\">Electronic mail, often abbreviated as email or e-mail, is a method of exchanging digital messages, designed primarily for human use.<br/><a href=\"http://en.wikipedia.org/wiki/E-mail\">Wikipedia</a></p>\r\n                                                </td>\r\n\r\n                                            </tr>\r\n                                            <tr>\r\n                                                <td colspan=\"2\" align=\"right\">\r\n                                                    <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                                </td>\r\n                                            </tr>\r\n                                         </table>\r\n                                    </td>\r\n                                    <td  style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                                </tr>\r\n                                <tr style=\"line-height:0;\">\r\n                                    <td  colspan=\"3\" width=\"323\" height=\"15\">\r\n                                    <img src=\"media/com_acymailing/templates/newsletter-3/bottom23rd.png\" alt=\"\"/>\r\n                                    </td>\r\n                                </tr>\r\n                            </table>\r\n\r\n                    </td>\r\n\r\n                </tr>\r\n\r\n                <tr>\r\n                	<td height=\"20\">\r\n\r\n                    </td>\r\n                </tr>\r\n\r\n\r\n\r\n                <tr>\r\n                	<td>\r\n                        <table cellspacing=\"0\" cellpadding=\"0\">\r\n                            <tr style=\"line-height:0;\">\r\n                                <td colspan=\"3\" width=\"323\" height=\"15\">\r\n                                	<img src=\"media/com_acymailing/templates/newsletter-3/top23rd.png\" alt=\"\" />\r\n                                </td>\r\n                            </tr>\r\n                            <tr>\r\n                                <td  style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                                <td style=\"background-color:#FFFFFF\" width=\"293\" >\r\n                                    <h3>Marketing Campaign</h3>\r\n                                    <h6>&nbsp;</h6>\r\n                                    <table>\r\n                                        <tr>\r\n\r\n                                            <td>\r\n                                            <p style=\"font-size:10px;margin-top:0px;\">Marketing is an integrated communications-based process through which individuals and communities are informed or persuaded that existing and newly-identified needs and wants may be satisfied by the products and services of others.</p>\r\n                                            <img src=\"media/com_acymailing/templates/newsletter-2/hori-separator.png\" alt=\"\" />\r\n                                            <p style=\"font-size:10px;\">Marketing is used to create the customer, to keep the customer and to satisfy the customer.  <a href=\"http://en.wikipedia.org/wiki/Marketing_campaign\">Wikipedia</a></p>\r\n                                            </td>\r\n                                            <td>\r\n                                                <img src=\"http://www.acyba.com/images/templates/newsletter-1/essential.png\" alt=\"\"/>\r\n                                            </td>\r\n\r\n                                        </tr>\r\n                                        <tr>\r\n                                            <td colspan=\"2\" align=\"right\">\r\n                                                <a href=\"#\" style=\"font-size:10px;color:#999999;\">Read More</a>\r\n                                            </td>\r\n                                        </tr>\r\n                                     </table>\r\n\r\n\r\n                                </td>\r\n                                <td  style=\"background-color:#FFFFFF\" width=\"15\"></td>\r\n                            </tr>\r\n                            <tr style=\"line-height:0;\">\r\n                                <td  colspan=\"3\" width=\"323\" height=\"15\">\r\n                                <img src=\"media/com_acymailing/templates/newsletter-3/bottom23rd.png\" alt=\"\"/>\r\n                                </td>\r\n                            </tr>\r\n                        </table>\r\n                    </td>\r\n\r\n                </tr>\r\n            </table>\r\n        </td>\r\n    </tr>\r\n    <tr>\r\n    	<td colspan=\"3\" style=\"padding:20px 0px;font-size:10px;color:#000000;margin:auto;text-align:center;\">Not interested any more? {unsubscribe}Unsubscribe{/unsubscribe}</td>\r\n    </tr>\r\n</table>\r\n\r\n\r\n</div>','',NULL,1,0,3,'newsletter-3','a:6:{s:16:\"acymailing_title\";s:46:\"color:#8a8a8a;border-bottom:6px solid #d3d09f;\";s:6:\"tag_h1\";s:126:\"margin-bottom:0;margin-top:0;font-family:Tahoma, Geneva, Kalimati, sans-serif;font-size:26px;color:#d47e7e;vertical-align:top;\";s:6:\"tag_h2\";s:57:\"color:#8a8a8a !important;border-bottom:6px solid #d3d09f;\";s:6:\"tag_h3\";s:68:\"color:#8a8a8a !important;font-weight:normal;font-size:100%;margin:0;\";s:6:\"tag_h6\";s:34:\"background-color:#d3d09f;margin:0;\";s:8:\"color_bg\";s:7:\"#dfe6e8\";}',NULL,NULL,NULL,NULL,NULL,NULL);

--
-- Table structure for table `jimmie_acymailing_url`
--

CREATE TABLE `jimmie_acymailing_url` (
  `urlid` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(250) NOT NULL,
  `url` varchar(250) NOT NULL,
  PRIMARY KEY (`urlid`),
  UNIQUE KEY `url` (`url`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_url`
--


--
-- Table structure for table `jimmie_acymailing_urlclick`
--

CREATE TABLE `jimmie_acymailing_urlclick` (
  `urlid` int(10) unsigned NOT NULL,
  `mailid` mediumint(10) unsigned NOT NULL,
  `click` smallint(10) unsigned NOT NULL DEFAULT '0',
  `subid` int(10) unsigned NOT NULL,
  `date` int(10) unsigned NOT NULL,
  PRIMARY KEY (`urlid`,`mailid`,`subid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_urlclick`
--


--
-- Table structure for table `jimmie_acymailing_userstats`
--

CREATE TABLE `jimmie_acymailing_userstats` (
  `mailid` mediumint(10) unsigned NOT NULL,
  `subid` int(10) unsigned NOT NULL,
  `html` tinyint(3) unsigned NOT NULL DEFAULT '1',
  `sent` tinyint(4) NOT NULL DEFAULT '1',
  `senddate` int(11) NOT NULL,
  `open` tinyint(4) NOT NULL DEFAULT '0',
  `opendate` int(11) NOT NULL,
  `bounce` tinyint(4) NOT NULL DEFAULT '0',
  `fail` tinyint(4) NOT NULL DEFAULT '0',
  PRIMARY KEY (`mailid`,`subid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_acymailing_userstats`
--


--
-- Table structure for table `jimmie_aicontactsafe_config`
--

CREATE TABLE `jimmie_aicontactsafe_config` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `config_key` varchar(50) NOT NULL DEFAULT '',
  `config_value` text NOT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=31 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_config`
--

INSERT INTO `jimmie_aicontactsafe_config` VALUES (1,'use_css_backend','1'),(2,'use_SqueezeBox','0'),(3,'highlight_errors','1'),(4,'keep_session_alive','0'),(5,'activate_help','1'),(6,'date_format','%d %B %Y %H:%M'),(7,'default_status_filter','0'),(8,'editbox_cols','40'),(9,'editbox_rows','10'),(10,'default_name',''),(11,'default_email',''),(12,'default_subject',''),(13,'activate_spam_control','0'),(14,'block_words','url='),(15,'record_blocked_messages','1'),(16,'activate_ip_ban','0'),(17,'ban_ips',''),(18,'redirect_ips',''),(19,'ban_ips_blocked_words','0'),(20,'maximum_messages_ban_ip','0'),(21,'maximum_minutes_ban_ip','0'),(22,'email_ban_ip',''),(23,'set_sender_joomla','0'),(24,'upload_attachments','media/aicontactsafe/attachments'),(25,'maximum_size','5000000'),(26,'attachments_types','rar,zip,doc,xls,txt,gif,jpg,png,bmp'),(27,'attach_to_email','1'),(28,'delete_after_sent','0'),(29,'gid_messages','25'),(30,'users_all_messages','0');

--
-- Table structure for table `jimmie_aicontactsafe_contactinformations`
--

CREATE TABLE `jimmie_aicontactsafe_contactinformations` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `profile_id` int(11) unsigned NOT NULL,
  `info_key` varchar(50) NOT NULL DEFAULT '',
  `info_label` varchar(250) NOT NULL DEFAULT '',
  `info_value` text NOT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=13 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_contactinformations`
--

INSERT INTO `jimmie_aicontactsafe_contactinformations` VALUES (1,1,'contact_info','contact_info','<img style=\"margin-left: 10px; float: right;\" alt=\"articles\" src=\"images/stories/articles.jpg\" width=\"128\" height=\"96\" /><div style=\"width: 150px; float: left;\">Algis Info SRL<br />Str. H?rmanului Nr.63<br />bl.1A sc.A ap.8<br />Bra?ov, Rom'),(2,2,'contact_info','contact_info','<div style=\"width: 150px; float: left;\">Algis Info SRL<br />Str. H?rmanului Nr.63<br />bl.1A sc.A ap.8<br />Bra?ov, Rom'),(3,1,'meta_description','meta_description',''),(4,2,'meta_description','meta_description',''),(5,1,'meta_keywords','meta_keywords',''),(6,2,'meta_keywords','meta_keywords',''),(7,1,'meta_robots','meta_robots',''),(8,2,'meta_robots','meta_robots',''),(9,1,'thank_you_message','thank_you_message','Email sent. Thank you for your message.'),(10,2,'thank_you_message','thank_you_message','Email sent. Thank you for your message.'),(11,1,'required_field_notification','required_field_notification','Fields marked with %mark% are required.'),(12,2,'required_field_notification','required_field_notification','Fields marked with %mark% are required.');

--
-- Table structure for table `jimmie_aicontactsafe_fields`
--

CREATE TABLE `jimmie_aicontactsafe_fields` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `name` varchar(50) NOT NULL DEFAULT '',
  `field_label` text NOT NULL,
  `label_parameters` text NOT NULL,
  `field_label_message` text NOT NULL,
  `label_message_parameters` text NOT NULL,
  `label_after_field` tinyint(1) unsigned NOT NULL DEFAULT '0',
  `field_type` varchar(2) NOT NULL DEFAULT 'TX',
  `field_parameters` text NOT NULL,
  `field_values` text NOT NULL,
  `field_limit` int(11) NOT NULL DEFAULT '0',
  `default_value` varchar(150) NOT NULL DEFAULT '',
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--
-- Dumping data for table `jimmie_aicontactsafe_fields`
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--
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) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_fieldvalues`
--


--
-- Table structure for table `jimmie_aicontactsafe_messagefiles`
--

CREATE TABLE `jimmie_aicontactsafe_messagefiles` (
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) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_messagefiles`
--


--
-- Table structure for table `jimmie_aicontactsafe_messages`
--

CREATE TABLE `jimmie_aicontactsafe_messages` (
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) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_messages`
--


--
-- Table structure for table `jimmie_aicontactsafe_profiles`
--

CREATE TABLE `jimmie_aicontactsafe_profiles` (
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) ENGINE=MyISAM AUTO_INCREMENT=3 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_profiles`
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--
-- Table structure for table `jimmie_aicontactsafe_statuses`
--

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) ENGINE=MyISAM AUTO_INCREMENT=5 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_aicontactsafe_statuses`
--

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--
-- Table structure for table `jimmie_ak_profiles`
--

CREATE TABLE `jimmie_ak_profiles` (
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  `configuration` longtext,
  `filters` longtext,
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) ENGINE=MyISAM AUTO_INCREMENT=3 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_ak_profiles`
--

INSERT INTO `jimmie_ak_profiles` VALUES (1,'Default Backup Profile','[global]\n[akeeba]\nbasic.output_directory=\"[DEFAULT_OUTPUT]\"\nbasic.temporary_directory=\"[SITETMP]\"\nbasic.log_level=\"4\"\nbasic.archive_name=\"site-[HOST]-[DATE]-[TIME]\"\nbasic.backup_type=\"full\"\nquota.enable_size_quota=\"0\"\nquota.size_quota=\"15728640\"\nquota.enable_count_quota=\"0\"\nquota.count_quota=\"3\"\nadvanced.dump_engine=\"native\"\nadvanced.scan_engine=\"smart\"\nadvanced.archiver_engine=\"jpa\"\nadvanced.proc_engine=\"none\"\nadvanced.writer_engine=\"direct\"\nadvanced.embedded_installer=\"abi\"\nadvanced.virtual_folder=\"external_files\"\ntuning.min_exec_time=\"2000\"\ntuning.max_exec_time=\"14\"\ntuning.run_time_bias=\"75\"\n[engine]\narchiver.common.dereference_symlinks=\"0\"\narchiver.common.part_size=\"0\"\narchiver.common.chunk_size=\"1048576\"\narchiver.common.big_file_threshold=\"1048576\"\narchiver.directftp.host=\"\"\narchiver.directftp.port=\"21\"\narchiver.directftp.user=\"\"\narchiver.directftp.pass=\"\"\narchiver.directftp.initial_directory=\"\"\narchiver.directftp.ftps=\"0\"\narchiver.directftp.passive_mode=\"1\"\narchiver.directftp.ftp_test=\"0\"\narchiver.zip.cd_glue_chunk_size=\"1048576\"\ndump.common.mysql_compatibility=\"0\"\ndump.common.extended_inserts=\"0\"\ndump.common.packet_size=\"131072\"\ndump.common.splitsize=\"524288\"\ndump.common.batchsize=\"1000\"\ndump.native.advanced_entitites=\"0\"\nscan.smart.large_dir_threshold=\"100\"\n',''),(2,'Jimmie',NULL,NULL);

--
-- Table structure for table `jimmie_ak_stats`
--

CREATE TABLE `jimmie_ak_stats` (
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) ENGINE=MyISAM AUTO_INCREMENT=6 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_ak_stats`
--

INSERT INTO `jimmie_ak_stats` VALUES (1,'Backup taken on Thursday, 31 March 2011 20:17','<p>BEFORE JMS INSTALL CLEAN COMPONENTS ONLY NO DATA (FIRST BACKUP)</p>','2011-04-01 00:18:46','2011-04-01 00:19:30','complete','backend','full',1,'site-mysite.michansa.com-20110331-201846.jpa','/home/michansq/public_html/mysite/administrator/components/com_akeeba/backup/site-mysite.michansa.com-20110331-201846.jpa',0),(2,'Backup taken on Thursday, 28 April 2011 18:55','<p>Move to cl tn hm</p>','2011-04-28 22:56:19','2011-04-28 22:57:34','complete','backend','full',1,'site-mysite.michansa.com-20110428-185619.jpa','/home/michansq/public_html/mysite/administrator/components/com_akeeba/backup/site-mysite.michansa.com-20110428-185619.jpa',0),(3,'Backup taken on Wednesday, 25 May 2011 23:44','<p>B4 LIVE</p>','2011-05-26 03:45:05','0000-00-00 00:00:00','fail','backend','full',1,'site-jimmie.mysite.houseinclarksville.com-20110525-234505.jpa','/home/michansq/public_html/mysite/administrator/components/com_akeeba/backup/site-jimmie.mysite.houseinclarksville.com-20110525-234505.jpa',0),(4,'Backup taken on Thursday, 26 May 2011 00:00','<p>B4 COPY LIVE</p>','2011-05-26 04:01:11','2011-05-26 04:01:35','complete','backend','full',1,'site-jimmie.mysite.houseinclarksville.com-20110526-000111.jpa','/home/myprospe/public_html/houseinclarksville.com/subdomains/jimmie/public_html/administrator/components/com_akeeba/backup/site-jimmie.mysite.houseinclarksville.com-20110526-000111.jpa',0),(5,'Backup taken on Friday, 06 January 2012 14:59','<p>j</p>','2012-01-06 20:04:25','2012-01-06 20:04:54','complete','backend','full',1,'site-jimmie.mysite.houseinclarksville.com-20120106-150425.jpa','/home/myprospe/public_html/houseinclarksville.com/subdomains/jimmie/public_html/administrator/components/com_akeeba/backup/site-jimmie.mysite.houseinclarksville.com-20120106-150425.jpa',0);

--
-- Table structure for table `jimmie_autartimonial`
--

CREATE TABLE `jimmie_autartimonial` (
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  `lastname` varchar(50) NOT NULL,
  `about` text NOT NULL,
  `location` varchar(255) NOT NULL,
  `website` varchar(255) NOT NULL,
  `email` varchar(100) NOT NULL,
  `comment` text NOT NULL,
  `testi_date` date NOT NULL,
  `published` int(1) NOT NULL,
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) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `jimmie_autartimonial`
--

INSERT INTO `jimmie_autartimonial` VALUES (1,'1','1','1','1','1','1','1','2014-11-06',0);

--
-- Table structure for table `jimmie_autartimonialparams`
--

CREATE TABLE `jimmie_autartimonialparams` (
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  `see_location` int(1) NOT NULL,
  `see_website` int(1) NOT NULL,
  `see_email` int(1) NOT NULL,
  `see_testi_date` int(1) NOT NULL,
  `see_captcha` int(1) NOT NULL,
  `see_endquote` int(1) NOT NULL,
  `use_blockquote` int(1) NOT NULL,
  `auto_publish` int(1) NOT NULL,
  `send_email` int(1) NOT NULL,
  `admin_name` varchar(50) NOT NULL,
  `admin_email` varchar(50) NOT NULL,
  `to_email` varchar(50) NOT NULL,
  `nb_testi` int(3) NOT NULL,
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) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=latin1;

--
-- Dumping data for table `jimmie_autartimonialparams`
--

INSERT INTO `jimmie_autartimonialparams` VALUES (1,1,1,1,1,1,1,0,1,0,0,'Administrator','devsoft2000@yahoo.com','jvanhoos@realtracs.com',3);

--
-- Table structure for table `jimmie_banner`
--

CREATE TABLE `jimmie_banner` (
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  `clickurl` varchar(200) NOT NULL DEFAULT '',
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  `publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `tags` text NOT NULL,
  `params` text NOT NULL,
  PRIMARY KEY (`bid`),
  KEY `viewbanner` (`showBanner`),
  KEY `idx_banner_catid` (`catid`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_banner`
--


--
-- Table structure for table `jimmie_bannerclient`
--

CREATE TABLE `jimmie_bannerclient` (
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) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_bannerclient`
--


--
-- Table structure for table `jimmie_bannertrack`
--

CREATE TABLE `jimmie_bannertrack` (
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) ENGINE=MyISAM DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_bannertrack`
--


--
-- Table structure for table `jimmie_categories`
--

CREATE TABLE `jimmie_categories` (
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  `image` varchar(255) NOT NULL DEFAULT '',
  `section` varchar(50) NOT NULL DEFAULT '',
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  `access` tinyint(3) unsigned NOT NULL DEFAULT '0',
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  `params` text NOT NULL,
  PRIMARY KEY (`id`),
  KEY `cat_idx` (`section`,`published`,`access`),
  KEY `idx_access` (`access`),
  KEY `idx_checkout` (`checked_out`)
) ENGINE=MyISAM AUTO_INCREMENT=18 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_categories`
--

INSERT INTO `jimmie_categories` VALUES (1,0,'My Site Contacts','','my-site-contacts','','com_acontact_details','left','<p>My Site Contacts</p>',1,0,'0000-00-00 00:00:00',NULL,1,0,0,''),(2,0,'J Contact','','j-contact','','com_contact_details','left','<p>J Contact</p>',1,0,'0000-00-00 00:00:00',NULL,1,0,0,''),(3,0,'Company','','company','','1','left','<p>Company Category</p>',1,0,'0000-00-00 00:00:00',NULL,1,0,0,''),(4,0,'Buyers Resources','','buyers-resources','','2','left','<p>Useful Articles for Buyers</p>',1,0,'0000-00-00 00:00:00',NULL,2,0,0,''),(5,0,'Sellers Resources','','sellers-resources','','2','left','<p>Sellers Resources</p>',1,0,'0000-00-00 00:00:00',NULL,3,0,0,''),(6,0,'County Links','','counties','','com_weblinks','left','<p>Links for County Information.</p>\r\n<p>Directory of links to County sites - events, community &amp; business  organizations, government information, healthcare, public safety,schools, and other County resources.</p>',1,0,'0000-00-00 00:00:00',NULL,1,0,0,''),(7,0,'City Links','','cities','','com_weblinks','left','<p><em></em>Directory of links to City sites - events, community &amp; busindess organizations, government information, healthcare, public safety and other City Resources.<br /><br />Links offer detailed City guides as well as official and independent City and State information.<br /><br /><strong></strong><strong></strong></p>',1,0,'0000-00-00 00:00:00',NULL,2,0,0,''),(8,0,'Education','','education','','com_weblinks','left','<p>Links for Elementary School, Junior High, High School, University, College, Private, Public, and Education Statistics and Reports for School Systems in Local Area.</p>',1,0,'0000-00-00 00:00:00',NULL,3,0,0,''),(9,0,'Areas','','areas','','com_weblinks','left','',1,0,'0000-00-00 00:00:00',NULL,4,0,0,''),(10,0,'Parks and Recreation','','parks-and-recreation','','com_weblinks','left','',1,0,'0000-00-00 00:00:00',NULL,5,0,0,''),(15,0,'Other','','other','','com_weblinks','left','',1,0,'0000-00-00 00:00:00',NULL,10,0,0,''),(13,0,'Location','','location','','com_weblinks','left','',1,0,'0000-00-00 00:00:00',NULL,8,0,0,''),(14,0,'Employers','','employers','','com_weblinks','left','',1,0,'0000-00-00 00:00:00',NULL,9,0,0,''),(16,0,'Local Resources','','local-resources','','2','left','',1,0,'0000-00-00 00:00:00',NULL,4,0,0,''),(17,0,'Tool Resources','','tool-resources','','2','left','<p>General Real Estate Buyers and Seller Tools</p>',1,0,'0000-00-00 00:00:00',NULL,5,0,0,'');

--
-- Table structure for table `jimmie_components`
--

CREATE TABLE `jimmie_components` (
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--
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--
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  PRIMARY KEY (`id`),
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) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `jimmie_contact_details`
--

INSERT INTO `jimmie_contact_details` VALUES (1,'Jimmie Van Hooser','jimmie','REALTOR®','108 Center Pointe Dr.','Clarksville','Tennessee','United States','37043 ','931-245-2050','931-245-1578','I have been a Realtor in Clarksville, Tennessee for over ten years. I am Relocation certified, I work with Home Buyers, Sellers, Relocation Corporate and Military. I am an agent for Better Homes and Gardens, they have been based in Clarksville for less than a year and one of the fasting growing companies.','jimmievanhooser.jpg',NULL,'jvanhoos@realtracs.com',0,1,0,'0000-00-00 00:00:00',1,'show_name=1\nshow_position=1\nshow_email=1\nshow_street_address=1\nshow_suburb=1\nshow_state=1\nshow_postcode=1\nshow_country=1\nshow_telephone=1\nshow_mobile=1\nshow_fax=1\nshow_webpage=1\nshow_misc=1\nshow_image=1\nallow_vcard=0\ncontact_icons=0\nicon_address=\nicon_email=\nicon_telephone=\nicon_mobile=\nicon_fax=\nicon_misc=\nshow_email_form=1\nemail_description=\nshow_email_copy=1\nbanned_email=\nbanned_subject=\nbanned_text=\nshow_secure_code=1\nshow_video=0\nsource_video=1\nvideoid=tQSN3y5ZCt8\nwidth=425\nheight=355\nshow_googlemaps=1\ngmap_ind=37043\nmwidth=425\nmheight=355\nzoom=9',0,2,0,'931-320-2142','http://www.HouseInClarksville.com');

--
-- Table structure for table `jimmie_content`
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CREATE TABLE `jimmie_content` (
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--
-- Dumping data for table `jimmie_content`
--

INSERT INTO `jimmie_content` VALUES (1,'Legal','legal','','<h2>Legal Statement</h2>\r\n<h2>Disclaimer</h2>\r\n<p>Information on this website is provided \"AS IS\" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The data set forth herein is for informational purposes only, and no warranty is made that the information is error-free. Please note that once you leave this site, either by using a link we may have provided for your convenience or by specifying your own destination, HouseInClarksville.com<strong><em>™</em></strong> accepts no responsibility for the content, products and/or services provided at these non-HouseInClarksville.com<strong><em>™</em></strong> locations. HouseInClarksville.com<strong><em>™</em></strong> does not control, endorse, promote or have any affiliation with any other website unless expressly stated herein.</p>\r\n<h2>Limitation of Liability</h2>\r\n<p>IN NO EVENT WILL HouseInClarksville.com<strong><em>™</em></strong> BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THIS WEBSITE, OR ANY OTHER HYPER-LINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES.</p>\r\n<h2>Ownership</h2>\r\n<p>HouseInClarksville.com<strong><em>™</em></strong> owns all of the Sites. HouseInClarksville.com<strong><em>™</em></strong> owns or has rights to all of the wallpaper, icons, characters, artwork, images, graphics, music, text, software and other content of the Sites (the \"Content\"), and all HTML, CGI and other code and scripts in any format used to implement the Sites (the \"Code\"). The Content and Code of the Sites are protected by copyright. Except as set forth above, you may not copy, modify, upload, download, transmit, re-publish, display for redistribution to third parties for commercial purposes, or otherwise distribute any Code or Content from the Sites without the prior written agreement of HouseInClarksville.com<strong><em>™</em></strong>. You may not use the Content or Code from the Sites for any purpose other than those set forth above. All names, logos and trademarks that appear on the Sites are the property of HouseInClarksville.com<strong><em>™</em></strong> or are used by HouseInClarksville.com<strong><em>™</em></strong> under license. You may not use any of the foregoing for any purpose without the prior express written permission of HouseInClarksville.com<strong><em>™</em></strong>. Your failure to comply with this Legal Statement will constitute breach of contract and will violate HouseInClarksville.com<strong><em>™</em></strong>\'s copyright, trademark and other proprietary and industrial property rights.</p>\r\n<h2>No License</h2>\r\n<p>Except as expressly provided above, nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright or other proprietary or industrial right of HouseInClarksville.com<strong><em>™</em></strong>, its affiliates or any third party.</p>\r\n<h2>Changes to This Site</h2>\r\n<p>Information may be changed or updated without notice. HouseInClarksville.com<strong><em>™</em></strong> has no obligation to update information presented on this website, so information contained herein may be out of date at any given time. HouseInClarksville.com<strong><em>™</em></strong> may also make improvements and/or changes in the products and/or programs described in this information at any time without notice.</p>\r\n<h2>Products and Services Offerings</h2>\r\n<p>\"HouseInClarksville.com<strong><em>™</em></strong>\" is the brandname used for products and services provided by one or more of the HouseInClarksville.com<strong><em>™</em></strong> group of subsidiary companies. These companies include HouseInClarksville.com<strong><em>™</em></strong>.</p>\r\n<p><br />The product and/or services descriptions, if any, provided on this site are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable regulation areas.</p>\r\n<p><br />Anyone interested in a particular product should contact their local HouseInClarksville.com<strong><em>™</em></strong> representative to determine whether the product and/or service is available in their jurisdiction, and to request a copy of the applicable policy or prospectus for a complete description of the product and/or service in question.</p>\r\n<h2>Trademarks</h2>\r\n<p>The HouseInClarksville.com<strong><em>™</em></strong> logo, and all other trademarks, service marks, trade names, logos, domain names, URLs and icons (\"Marks\") appearing on this website, registered or not, are the property of HouseInClarksville.com<strong><em>™</em></strong> Inc. or their respective owners. Nothing on this website grants you any right or license to use any of the Marks on this site without the express written permission of HouseInClarksville.com<strong><em>™</em></strong> Inc. or the third party owners of the Marks. Unauthorized use may violate trademark and other laws.</p>\r\n<h2>Not a Solicitation</h2>\r\n<p>Nothing in this site should be construed as a solicitation or offer to purchase coverage from HouseInClarksville.com<strong><em>™</em></strong> or any of its affiliated companies.</p>\r\n<h2>Forward-Looking Statements.</h2>\r\n<p>This Site may contain forward-looking statements within the meaning of the federal securities laws that involve material risk and uncertainties. Many possible events or factors could affect our future financial results and performance, such that our actual results and performance may differ materially. As such, no forward-looking statement can be guaranteed. Differences in operating results may arise as a result of a number of factors including, without limitation, seasonality, adverse changes in the competitive and economic conditions in domestic and international markets, actions of our major distributors, manufacturing and production delays or difficulties, and forecast. Forward-looking statements typically are identified by the use of terms such as \"may,\" \"will,\" \"should,\" \"might,\" \"expect,\" \"anticipate,\" \"estimate\" and similar words, although some forward-looking statements are expressed differently. The risks described under \"Risk Factors\" and in other sections of our annual report on Form 10-K and in other reports and registration statements that we file with the Securities and Exchange Commission from time to time should be carefully considered. You are cautioned not to place undue reliance on these forward-looking statements, which reflect management\'s analysis only as of the date that the forward-looking statement is made. HouseInClarksville.com<strong><em>™</em></strong> undertakes no obligation to publicly release the results of any revision of the forward-looking statements.</p>\r\n<h2><br />No Tax, Investment, or Legal Advice.</h2>\r\n<p>The material and information presented on this Site is for general reference and informational purposes only and is not intended to offer specific tax, investment or legal advice of any kind.</p>\r\n<p>ALL USERS ARE EXPRESSLY ADVISED TO CONSULT WITH THEIR OWN TAX, INVESTMENT AND/OR LEGAL PROFESSIONALS BEFORE MAKING ANY INVESTMENT DECISIONS, OR MAKING ANY TAX, INVESTMENT AND/OR LEGAL DECISIONS. BY USING THIS SITE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ARE NOT RELYING ON ANY INFORMATION OR MATERIAL PRESENTED ON THIS SITE TO MAKE ANY INVESTMENT DECISIONS, OR MAKE ANY TAX, INVESTMENT AND/OR LEGAL DECISIONS.</p>','',1,1,0,3,'2011-05-17 01:02:17',62,'','2011-05-17 02:21:52',62,0,'0000-00-00 00:00:00','2011-05-17 01:02:17','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',2,0,5,'','',0,1058,'robots=\nauthor='),(2,'Privacy Policy','privacy-policy','','<h2>Our Privacy Policy</h2>\r\n<p>We have created this privacy statement in order to demonstrate our firm and continuing commitment to the privacy of personal information provided by those visiting and interacting with this web site. We hold the privacy of your personal information in the highest regard. The following discloses our information gathering and dissemination practices for this website.<br /><br />We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site. This policy will be continuously assessed against new technologies, business practices and our customers\' needs.<br /><br /></p>\r\n<h2>What Information Do We Collect?</h2>\r\n<p>When you visit this web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.</p>\r\n<h3>1. Personal Information You Choose to Provide</h3>\r\n<p><strong>Registration Information</strong><br />When you register for any of our products, services or newsletters you will provide us information about yourself.<br /><strong><br />Credit Card Information</strong><br />If you choose to avail of our services, you may need to give personal information and authorization to obtain information from various credit services. For example, you may need to provide the following information:<br />-Name<br />-Mailing address<br />-Email address<br />-Credit card number<br />-Name on credit card<br />-Credit card billing address<br />-Business and home phone number<br /><strong><br />Email Information</strong><br />If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.</p>\r\n<h3>2. Web Site Use Information</h3>\r\n<p>Similar to other commercial Web sites, our Web site utilizes a standard technology called \"cookies\" (see explanation below, \"What Are Cookies?\") and web server log files to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site.<br /><strong><br />How Do We Use the Information That You Provide to Us?</strong><br />Broadly speaking, we use personal information for purposes of administering our business activities, providing the products and services you requested, to process your payment, , to monitor the use of the service, our marketing and promotional efforts and improve our content and service offerings, and customize our site\'s content, layout, services and for other lawful purposes. These uses improve our site and better tailor it to meet your needs.<br /><br />Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.<br /><br />Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us at the link provided on the newsletter.<br /><strong><br />What Are Cookies?</strong><br />A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site\'s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser\'s preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, it is possible that some areas of our site will not function as effectively when viewed by the users.A cookie cannot retrieve any other data from your hard drive or pass on computer viruses.<br /><strong><br />How Do We Use Information We Collect from Cookies?</strong><br />As you visit and browse our Web site, the site uses cookies to differentiate you from other users. In some cases, we also use cookies to prevent you from having to log in more than is necessary for security. Cookies, in conjunction with our Web server\'s log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to constantly improve our Web site and better serve our clients. Cookies do not allow us to gather any personal information about you and we do not intentionally store any personal information that your browser provided to us in your cookies.<br /><strong><br />IP Addresses</strong><br />IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as traffic data so that data (such as the Web pages you request) can be sent to you.<br /><strong><br />Sharing and Selling Information</strong><br />We do not share, sell, lend or lease any of the information that uniquely identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.<br /><br /><strong>How Can You Access and Correct Your Information?</strong><br />You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us at the usual address.<br /><br /><strong>What About Legally Compelled Disclosure of Information?</strong><br />We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the Public.<br /><strong><br />What About Other Web Sites Linked to Our Web Site?</strong><br />We are not responsible for the practices employed by Web sites linked to or from our Web site or the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.<br /><br />Please remember that when you use a link to go from our Website to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web site\'s own rules and policies. Please read over those rules and policies before proceeding.<br /><strong><br />Your Consent</strong><br />By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time with or without notice.</p>\r\n<h3>3. Our Commitment To Data Security:</h3>\r\n<p>Please note that your information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your Country of residence or citizenship. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.<br /><strong><br />Choice/Opt-In/Opt-Out</strong><br />This site allows visitors to unsubscribe so that they will not receive future messages. After unsubscribing we will discontinue sending the particular messages as soon as technically feasible.<br /><strong><br />Surveys &amp; Contests</strong><br />From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.<br /><br /><strong>A Special Note About Children</strong><br />Children are not eligible to use our services unsupervised and we ask that children (under the age of 14) do not submit any personal information to us. If you are a minor, you can use this service only in conjunction with permission and guidance from your parents or guardians.<br /><br /><strong>Acquisition or Changes in Ownership</strong><br />In the event that the web site (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.<br /><br /><strong>Policy Modifications</strong><br />We may change this Privacy Policy from time to time. If/when changes are made to this privacy policy, we will email users who have given us permission to do so. We will post any changes here, so be sure to check back periodically. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.</p>','',1,1,0,3,'2011-05-17 01:14:38',62,'','2011-05-17 02:21:24',62,0,'0000-00-00 00:00:00','2011-05-17 01:14:38','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',2,0,4,'','',0,2989,'robots=\nauthor='),(3,'Jimmie Van Hooser REALTOR®','jimmie-van-hooser-realtor','','<h3 style=\"text-align: center;\">I Love My Job !</h3>\r\n<p><img src=\"images/stories/jimmievanhooser.jpg\" border=\"0\" alt=\"Jimmie Van Hooser REALTOR\" title=\"Jimmie Van Hooser REALTOR\" width=\"160\" height=\"224\" style=\"float: left; margin: 10px; border: 1px solid black;\" /></p>\r\n<p><strong>I always wanted to be a</strong><strong> Realtor</strong>, but I knew  with three children, the week-ends and nights would take a lot of  time. So not until I was in my earlier fifties did I attempt to get my  licenses</p>\r\n<p>and I have to say it was very stressful.  I had been out of  school for so many years and to sit in class again and try to take a lot  in and only had two weeks to do it before I took my state test I had  some doubts, especially when younger students would answer questions so  quickly and each time we tested I was the last in the class to leave.</p>\r\n<p>I  could have walked away, but I knew<strong> </strong>I wanted to be a<strong> Realtor </strong>and a good  one at that, so I toughed it out. So, when I took my state test the  first time I <strong>missed by one point</strong>.  I was very thankful for that because  then I really studied hard and learn so much more and when I went back  and took it, I passed and I thanked God for all his help and promised<strong> I  would always be a honest and a, fair Realtor and I have held on to those principals through out my career</strong>.  I  made  <strong>Presidents Club </strong>the first year and after that over the years I had the  <strong>Gold awards, </strong>the<strong> </strong><strong>Silver Award </strong>and the <strong>Diamond</strong> and to the top at<strong> Platinum</strong>. So, I learned one thing, if you want it bad enough you will  achieve it.</p>\r\n<p>I am a <strong>Relocation Specialist</strong> bringing in clients both  <strong>corporate and the military</strong>.  I enjoy both so much!</p>\r\n<p>If you ask someone to  describe me they would probably say <strong>\"She never met a stranger\" </strong> I would love  to meet new people every day if I could . I think each and every person I  have ever met is so very interesting in the stories they tell of  themselves. So as we meet as strangers, before it is over we are friends  for life.</p>\r\n<p>A little about me. I have been married for thirty-six years, I  have three children and nine grandchildren. I came from a family of  twelve, I am number tenth down the line. All are still living and in  good health. For my family I thank God everyday for them and thankful that he has blessed me way beyond what I deserve.</p>\r\n<h3 style=\"text-align: center;\">Please contact me for one-on-one expert help and advice. <br />Contact  me  with confidence!  Your privacy will be respected. And I offer the   services on this site for free and without obligation.</h3>','',1,1,0,3,'2011-05-17 03:16:38',62,'','2011-07-20 17:52:54',62,0,'0000-00-00 00:00:00','2011-05-17 03:16:38','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',8,0,3,'','',0,1165,'robots=\nauthor='),(4,'I Want to Be Your  REALTOR®','i-want-to-be-your-realtor','','<h1><span style=\"color: #993300;\"><img src=\"images/stories/4.jpg\" border=\"0\" alt=\"Clarksville House for Sale by Jimmie Van Hooser\" title=\"Clarksville House for Sale by Jimmie Van Hooser\" width=\"273\" height=\"185\" style=\"float: left; margin: 5px; border: 1px solid black;\" />Let Me Help You Fulfill Your Dream.</span></h1>\r\n<h2 style=\"text-align: center;\"><span style=\"color: #993300;\"><span style=\"color: #0000ff;\"><strong>Jimmie Van Hooser Realtor</strong></span><br /></span></h2>\r\n<h3><span style=\"color: #339966;\">Buying or Selling a Home ?</span></h3>\r\n<p>Search everything the web has to offer, right here! If it is listed I know about it! And, of course, through my site, you can access ALL of the listings on the MLS (Multiple Listing Service). Don\'t miss my Feature Homes.</p>\r\n<p>Need local real estate information? I\'ve summarized much of what is important about the Clarksville Tennessee Area real estate market in this site.</p>\r\n<p>Need expert advice?  No web site, large or small, can take the place of a top Realtor.</p>\r\n<p>Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. <br /><br />Buying and selling a home is one of the biggest events in your life. As a top  Realtor, I have the experience and track record you are looking for. Please let me help.<img src=\"images/stories/5.jpg\" border=\"0\" alt=\"Dream Home in Clarksville sold by Jimmie Van Hooser\" title=\"Dream Home in Clarksville sold by Jimmie Van Hooser\" width=\"275\" height=\"184\" style=\"float: right; margin: 5px; border: 1px solid black;\" /></p>\r\n<h3><span style=\"color: #339966;\"><span class=\"heading\">Other Services</span></span></h3>\r\n<p><span style=\"color: #339966;\"><strong><span class=\"subheading\">Planning to Relocate?</span></strong></span> <br />To  simplify your transition, I can help you learn more about the area and help you locate a  home that fits your lifestyle and preferences. Services include  information on the real estate market as well as specific communities,  schools and zoning. For more information, contact me.</p>\r\n<p><span style=\"color: #339966;\"><strong><span class=\"subheading\">Need Help Financing?</span></strong></span><br />I can help you find a  reputable lender, such as a bank or mortgage company.</p>\r\n<h3 style=\"text-align: center;\"><a href=\"index.php/contact-info.html\" title=\"Jimmie Van Hooser REALTOR® Contact\">Please contact me for one-on-one expert help and advice. <br />Contact     me  with confidence!  Your privacy will be respected. And I offer  the     services on this site for free and without obligation.</a></h3>\r\n<table style=\"background-color: #dfe4eb; border: 1px solid #0a0af4; width: 740px; height: 223px;\" border=\"1\" cellspacing=\"1\" cellpadding=\"1\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/phone-icon.png\" border=\"0\" alt=\"Phone  Jimmie Van Hooser Realtor\" title=\"Phone Jimmie Van Hooser Realtor\" width=\"64\" height=\"64\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/hardware-fax-icon.png\" border=\"0\" alt=\"Fax Jimmie Van Hooser Realtor\" title=\"Fax Jimmie Van Hooser Realtor\" width=\"64\" height=\"64\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/phone_icon.png\" border=\"0\" alt=\"Cell Phone Jimmie Van Hooser Realtor\" title=\"Cell Phone Jimmie Van Hooser Realtor\" width=\"64\" height=\"64\" style=\"border: 0pt none;\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/location-email-icon.png\" border=\"0\" alt=\"Email  Jimmie Van Hooser Realtor\" title=\"Email  Jimmie Van Hooser Realtor\" width=\"64\" height=\"64\" style=\"border: 0pt none;\" /></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td style=\"text-align: center;\">\r\n<h3>931-245-2050</h3>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/19312452050.jpg\" border=\"0\" alt=\"Jimmie Van Hooser Realtor Telephone \" title=\"Jimmie Van Hooser Realtor Telephone \" width=\"95\" height=\"95\" /></p>\r\n</td>\r\n<td style=\"text-align: center;\">\r\n<h3>931-245-1578</h3>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/19312451578.jpg\" border=\"0\" alt=\"Jimmie Van Hooser Realtor Fax\" title=\"Jimmie Van Hooser Realtor Fax\" width=\"95\" height=\"95\" /></p>\r\n</td>\r\n<td style=\"text-align: center;\">\r\n<h3>931-320-2142</h3>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/19313202142.jpg\" border=\"0\" alt=\"Jimmie Van Hooser Realtor Cell\" title=\"Jimmie Van Hooser Realtor Cell\" width=\"95\" height=\"95\" /></p>\r\n</td>\r\n<td style=\"text-align: center;\">\r\n<h3>jvanhoos@realtracs.com</h3>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/jvanhoosrealtracs.com.jpg\" border=\"0\" alt=\"Jimmie Van Hooser Realtor Email\" title=\"Jimmie Van Hooser Realtor Email\" width=\"95\" height=\"95\" /></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<table style=\"width: 742px; height: 256px;\" border=\"0\" align=\"center\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/2.jpg\" border=\"0\" alt=\"Happy Familiy In Home in Clarksville\" title=\"Happy Familiy In Home in Clarksville\" width=\"255\" height=\"211\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/supportourtroopsclarksville.jpg\" border=\"0\" alt=\"I Support Our Troops\" title=\"I Support Our Troops\" width=\"277\" height=\"207\" /></p>\r\n</td>\r\n<td>\r\n<h1><span style=\"color: #993300;\"> </span></h1>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td>\r\n<h1 style=\"text-align: center;\"><span style=\"color: #993300;\"> </span></h1>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/realtor_mls_20logo1.jpg\" border=\"0\" width=\"274\" height=\"142\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/fairhousing_logo1.jpg\" border=\"0\" width=\"157\" height=\"158\" /></p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"> </p>\r\n</td>\r\n<td>\r\n<p style=\"text-align: center;\"><img src=\"images/stories/color%2050%20pct%20realtor-logo2.jpg\" border=\"0\" width=\"115\" height=\"129\" /></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',1,1,0,3,'2011-05-17 19:44:15',62,'','2011-07-20 19:40:20',62,0,'0000-00-00 00:00:00','2011-05-17 19:44:15','0000-00-00 00:00:00','','','show_title=0\nlink_titles=0\nshow_intro=0\nshow_section=0\nlink_section=0\nshow_category=0\nlink_category=0\nshow_vote=0\nshow_author=0\nshow_create_date=0\nshow_modify_date=0\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',56,0,2,'','',0,317,'robots=\nauthor='),(6,'Buyers Resources Main','buyers-resources-main','','<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Common First-Time Home Buyer Mistakes</strong><br /> <br /></p>\r\n<p>1. They don’t ask enough questions of their lender and end up missing out on the best deal.<br /> <br /> 2. They don’t act quickly enough to make a decision and someone else buys the house. <br /> <br /> 3. They don’t find the right agent who’s willing to help them through the homebuying process.<br /> <br /> 4. They don’t do enough to make their offer look appealing to a seller. <br /> <br /> 5. They don’t think about resale <em>before</em> they buy. The average first-time buyer only stays in a home for four years.<br /> <br /> <em>Source: Real Estate Checklists and Systems, </em><em><a href=\"http://www.realestatechecklists.com/\" target=\"new\">www.realestatechecklists.com</a>.</em></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><em>\r\n<hr />\r\n</em><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Lender Checklist: What You Need for a Mortgage</strong></p>\r\n<p> </p>\r\n<p>□         W-2 forms — or business tax return forms if you\'re self-employed — for the last two or three years for every</p>\r\n<p>person signing the loan.</p>\r\n<p> </p>\r\n<p>□         Copies of at least one pay stub for each person signing the loan.</p>\r\n<p> </p>\r\n<p>□         Account numbers of all your credit cards and the amounts for any outstanding balances.</p>\r\n<p> </p>\r\n<p>□         Copies of two to four months of bank or credit union statements for both checking and savings</p>\r\n<p>accounts.</p>\r\n<p> </p>\r\n<p>□         Lender, loan number, and amount owed on other installment loans, such as student loans and</p>\r\n<p>car loans. <br /> <br /></p>\r\n<p>□         Addresses where you’ve lived for the last five to seven years, with names of landlords if</p>\r\n<p>appropriate.</p>\r\n<p> </p>\r\n<p>□         Copies of brokerage account statements for two to four months, as well as a list of any other major assets of</p>\r\n<p>value, such as a boat, RV, or stocks or bonds not held in a brokerage account.</p>\r\n<p> </p>\r\n<p>□         Copies of your most recent 401(k) or other retirement account statement.</p>\r\n<p> </p>\r\n<p>□         Documentation to verify additional income, such as child support or a pension.</p>\r\n<p> </p>\r\n<p>□         Copies of personal tax forms for the last two to three years.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Specialty Mortgages: Risks and Rewards</strong></p>\r\n<p> </p>\r\n<p>In high-priced housing markets, it can be difficult to afford a home. That’s why a growing number of home buyers are forgoing traditional fixed-rate mortgages and standard adjustable-rate mortgages and instead opting for a specialty mortgage that lets them “stretch” their income so they can qualify for a larger loan.</p>\r\n<p> </p>\r\n<p>But before you choose one of these mortgages, make sure you understand the risks and how they work.</p>\r\n<p> </p>\r\n<p>Specialty mortgages often begin with a low introductory interest rate or payment plan — a “teaser”— but the monthly mortgage payments are likely to increase a lot in the future. Some are “low documentation” mortgages that come with easier standards for qualifying, but also higher interest rates or higher fees. Some lenders will loan you 100 percent or more of the home’s value, but these mortgages can present a big financial risk if the value of the house drops.</p>\r\n<p> </p>\r\n<p><strong>Specialty Mortgages Can:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Pose a greater risk that you won’t be able to afford the mortgage payment in the future, compared to fixed rate mortgages and traditional adjustable rate mortgages.</li>\r\n<li>Have monthly payments that increase by as much <strong>as 50 percent or more </strong>when the introductory period ends.</li>\r\n<li>Cause your loan balance (the amount you still owe) to get larger each month instead of smaller.</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Common Types of Specialty Mortgages:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Interest-Only Mortgages: </strong>Your monthly mortgage payment only covers the interest you owe on the loan for the first 5 to 10 years of the loan, and you pay nothing to reduce the total amount you borrowed (this is called the “principal”). After the interest-only period, you start paying higher monthly payments that cover both the interest and principal that must be repaid over the remaining term of the loan.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Negative Amortization Mortgages: </strong>Your monthly payment is less than the amount of interest you owe on the loan. The unpaid interest gets added to the loan’s principal amount, causing the total amount you owe to increase each month instead of getting smaller.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Option Payment ARM Mortgages: </strong>You have the option to make different types of monthly payments with this mortgage. For example, you may make a minimum payment that is less than the amount needed to cover the interest and increases the total amount of your loan; an interest-only payment, or payments calculated to pay off the loan over either 30 years or 15 years.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>40-Year Mortgages: </strong>You pay off your loan over 40 years, instead of the usual 30 years. While this reduces your monthly payment and helps you qualify to buy a home, you pay off the balance of your loan much more slowly and end up paying much more interest. </li>\r\n</ul>\r\n<p> </p>\r\n<p><strong>Questions to Consider Before Choosing a Specialty Mortgage:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>How much can my monthly payments increase and how soon can these increases happen?</li>\r\n<li>Do I expect my income to increase or do I expect to move before my payments go up?</li>\r\n<li>Will I be able to afford the mortgage when the payments increase?</li>\r\n<li>Am I paying down my loan balance each month, or is it staying the same or even increasing?</li>\r\n<li>Will I have to pay a penalty if I refinance my mortgage or sell my house?</li>\r\n<li>What is my goal in buying this property? Am I considering a riskier mortgage to buy a more expensive house than I can realistically afford?</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p>Be sure you work with a REALTOR® and lender who can discuss different options and address your questions and concerns!</p>\r\n<p> </p>\r\n<p><em>Learn about the</em><em> NATIONAL ASSOCIATION OF REALTORS® Housing Opportunity Program at <a href=\"http://www.realtors.org/housingopportunity\">www.REALTOR.org/housingopportunity</a>.</em><em> For more information on predatory mortgage lending practices, visit the Center for Responsible Lending at <span style=\"text-decoration: underline;\">www.responsiblelending.org</span>.</em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Factors That Decide Your Credit Score</strong><br /> <br /> Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:<br /> <br /> <strong>1. Your payment history.</strong> Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.</p>\r\n<p><br /> <strong>2. How much you owe. </strong>If you<strong> </strong>owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits. <br /> <br /> <strong>3. The length of your credit history.</strong> In general, the longer you have had accounts opened, the better. The average consumer\'s oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.</p>\r\n<p><br /> <strong>4. How much new credit you have. </strong>New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly. <br /> <br /> <strong>5. The types of credit you use.</strong> Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example. <br /> <br /> For more on evaluating and understanding your credit score, visit <a href=\"http://www.myfico.com/CreditEducation/?fire=1\" target=\"new\">www.myfico.com</a>.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Property Tax Questions You Need to Ask</strong><br /> <br /> <strong>1. What is the assessed value of the property?</strong> Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information. <br /> <br /> <strong>2. How often are properties reassessed, and when was the last reassessment done?</strong> In general, taxes jump most significantly when a property is reassessed. <br /> <br /> <strong>3. Will the sale of the property trigger a tax increase?</strong> The assessed value of the property may increase based on the amount you pay for the property. And in some areas, such as California, taxes may be frozen until resale. <br /> <br /> <strong>4. Is the amount of taxes paid comparable to other properties in the area?</strong> If not, it might be possible to appeal the tax assessment and lower the rate.</p>\r\n<p><strong>5. Does the current tax bill reflect any special exemptions that I might not qualify for?</strong> For example, many tax districts offer reductions to those 65 or over.</p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>6   Creative Ways</strong><strong> to Afford a Home</strong></p>\r\n<p><br /> <strong>1. Investigate local, state, and national down payment assistance programs.</strong> These programs give qualified applicants loans or grants to cover all or part of your required down payment. National programs include the Nehemiah program, <a href=\"http://www.getdownpayment.com/\">www.getdownpayment.com</a>, and the American Dream Down Payment Fund from the Department of Housing and Urban Development, <a href=\"http://www.hud.gov/\">www.hud.gov</a>.</p>\r\n<p><br /> <strong>2. Explore seller financing. </strong>In some cases, sellers may be willing to finance all or part of the purchase price of the home and let you repay them gradually, just as you would do with a mortgage.<br /> <br /> <strong>3. Consider a shared-appreciation or shared-equity arrangement.</strong> Under this arrangement, your family, friends, or even a third-party may buy a portion of the home and share in any appreciation when the home is sold. The owner/occupant usually pays the mortgage, property taxes, and maintenance costs, but all the investors\' names are usually on the mortgage. Companies are available that can help you find such an investor, if your family can’t participate. <br /> <br /> <strong>4. Ask your family for help.</strong> Perhaps a family member will loan you money for the down payment or act as a co-signer for the mortgage. Lenders often like to have a co-signer if you have little credit history. <br /> <br /> <strong>5. Lease with the option to buy.</strong> Renting the home for a year or more will give you the chance to save more toward your down payment. And in many cases, owners will apply some of the rental amount toward the purchase price. You usually have to pay a small, nonrefundable option fee to the owner.<br /> <br /> <strong>6. Consider a short-term second mortgage. </strong>If you can qualify for a short-term second mortgage, this would give you money to make a larger down payment. This may be possible if you’re in good financial standing, with a strong income and little other debt.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>8 Tips to Guide for Your Home Search </strong></p>\r\n<p> </p>\r\n<p><strong>1. Research before you look.</strong> Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing.</p>\r\n<p> </p>\r\n<p><strong>2. Be realistic. </strong>It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property.<br /> <br /> <strong>3. Get your finances in order.</strong> Review your credit report and be sure you have enough money to cover your down payment and closing costs. Then, talk to a lender and get prequalified for a mortgage. This will save you the heartache later of falling in love with a house you can’t afford.<br /> <br /> <strong>4. Don’t ask too many people for opinions.</strong> It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion, but be ready to make the final decision on your own.<br /> <br /> <strong>5. Decide your moving timeline. </strong>When is your lease up? Are you allowed to sublet? How tight is the rental market in your area? All of these factors will help you determine when you should move.<br /> <br /> <strong>6. Think long term. </strong>Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in this home for a longer period? This decision may dictate what type of home you’ll buy as well as the type of mortgage terms that will best suit you. <br /> <br /> <strong>7. Insist on a home inspection.</strong> If possible, get a warranty from the seller to cover defects for one year. <br /> <br /> <strong>8. Get help from a REALTOR®.</strong> Hire a real estate professional who specializes in buyer representation. Unlike a listing agent, whose first duty is to the seller, a buyer’s representative is working only for you. Buyer’s reps are usually paid out of the seller’s commission payment.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>10 Questions to Ask Your Lender</strong><br /> <br /> <strong>1.</strong> What are the most popular mortgages you offer? Why are they so popular?<br /> <br /> <strong>2.</strong> Which type of mortgage plan do you think would be best for me? Why?<br /> <br /> <strong>3.</strong> Are your rates, terms, fees, and closing costs negotiable?<br /> <br /> <strong>4.</strong> Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? (NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)<br /> <br /> <strong>5.</strong> Who will service the loan — your bank or another company?<br /> <br /> <strong>6.</strong> What escrow requirements do you have?<br /> <br /> <strong>7. </strong>How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this period?<br /> <br /> <strong>8.</strong> How long will the loan approval process take?<br /> <br /> <strong>9.</strong> How long will it take to close the loan?<br /> <br /> <strong>10.</strong> Are there any charges or penalties for prepaying the loan?<br /> <br /> <em>Used with permission from Real Estate Checklists &amp; Systems, </em><a href=\"http://www.realestatechecklists.com/\" target=\"new\"><em>www.realestatechecklists.com</em></a><em>.</em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Budget Basics Worksheet</strong><br /> <br /></p>\r\n<p>The first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet to list your income and expenses below.</p>\r\n<p> </p>\r\n<table border=\"1\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong>INCOME</strong></p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Take Home Pay (all family members)</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Child Support/Alimony</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Pension/Social Security</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Disability/Other Insurance</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Interest/Dividends</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Other</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Total Income</em></strong><strong><em> </em></strong></p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<table border=\"1\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong>EXPENSES</strong></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Rent/Mortgage (include taxes, principal, and insurance)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Life Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Health/Disability Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Vehicle Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Homeowner’s or Other Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Car Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Other Loan Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Savings/Pension Contribution</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Utilities (gas, water, electric, phone)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Credit Card Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Car Upkeep (gas, maintenance, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Clothing</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Personal Care Products (shampoo, cologne, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Groceries</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Food Outside the Home (restaurant meals and carryout)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Medical/Dental/Prescriptions</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Household Goods (hardware, lawn, and garden)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Recreation/Entertainment</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Child Care</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Education (continuing education, classes, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Charitable Donations</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Miscellaneous</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Total Expenses </em></strong><strong><em> </em></strong></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p><em> </em></p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Remaining Income After Expenses </em></strong></p>\r\n<p><em>(Subtract Total Income from Total   Expenses)</em></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>How Big of a Mortgage Can I Afford?</strong><br /> <br /> Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits — which you can’t take advantage of when paying rent. <br /> <br /> The following calculation assumes a 28 percent income tax bracket. If your bracket is higher, your savings will be, too. Based on your current rent, use this calculation to figure out how much mortgage you can afford.<br /> <br /> <strong>Rent:</strong> _________________________<br /> <br /> <strong>Multiplier:</strong> x 1.32<br /> <br /> <strong>Mortgage payment:</strong> _________________________<br /> <br /> Because of tax deductions, you can make a mortgage payment — including taxes and insurance — that is approximately one-third larger than your current rent payment and end up with the same amount of income. <br /> <br /> <em>For more help, use Fannie Mae’s </em><em><a href=\"http://www.fanniemae.com/homebuyers/calculators/index.jhtml?p=Resources&amp;s=Calculators\">online mortgage calculators</a></em><em>. </em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Loan Types to Consider</strong></p>\r\n<p> </p>\r\n<p>Brush up on these mortgage basics to help you determine the loan that will best suit your needs.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Mortgage terms.</strong> Mortgages are generally available at 15-, 20-, or 30-year terms. In general, the longer the term, the lower the monthly payment. However, you pay more interest overall if you borrow for a longer term. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Fixed or adjustable interest rates.</strong> A fixed rate allows you to lock in a low rate as long as you hold the mortgage and, in general, is usually a good choice if interest rates are low. An adjustable-rate mortgage is designed so that your loan’s interest rate will rise as market interest rates increase. ARMs usually offer a lower rate in the first years of the mortgage. ARMs also usually have a limit as to how much the interest rate can be increased and how frequently they can be raised. These types of mortgages are a good choice when fixed interest rates are high or when you expect your income to grow significantly in the coming years. </li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Balloon mortgages. </strong>These mortgages offer very low interest rates for a short period of time — often three to seven years. Payments usually cover only the interest so the principal owed is not reduced. However, this type of loan may be a good choice if you think you will sell your home in a few years. </li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Government-backed loans. </strong>These loans are sponsored by agencies such as the Federal Housing Administration (<a href=\"http://www.fha.gov/\" target=\"new\">www.fha.gov</a>) or the Department of Veterans Affairs (<a href=\"http://www.va.gov/\" target=\"new\">www.va.gov</a>) and offer special terms, including lower down payments or reduced interest rates to qualified buyers. </li>\r\n</ul>\r\n<p> </p>\r\n<p>Slight variations in interest rates, loan amounts, and terms can significantly affect your monthly payment. For help in determining how much your monthly payment will be for various loan amounts, use Fannie Mae’s <a href=\"http://www.fanniemae.com/homebuyers/calculators/index.jhtml?p=Resources&amp;s=Calculators\">online mortgage calculators</a>.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Get Your Finances in Order: To-Do List</strong></p>\r\n<p><br /> <strong>1. Develop a household budget.</strong> Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries.<br /> <br /> <strong>2. Reduce your debt.</strong> Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income.</p>\r\n<p><br /> <strong>3. Look for ways to save. </strong>You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down <em>everything</em> you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to Starbucks or eating dinner at home more often.<br /> <br /> <strong>4. Increase your income. </strong>Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want. <br /> <br /> <strong>5. Save for a down payment.</strong> Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase. Aim for a 20 percent down payment.</p>\r\n<p><br /> <strong>6. Keep your job.</strong> While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate. <br /> <br /> <strong>7. Establish a good credit history.</strong> Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Tax Benefits of Homeownership</strong><br /> <br /> The tax deductions you’re eligible to take for mortgage interest and property taxes greatly increase the financial benefits of homeownership. Here’s how it works.</p>\r\n<p><strong>Assume:</strong></p>\r\n<p>$9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7 percent, using year-five interest) <br /> $2,700 = Property taxes (at 1.5 percent on $180,000 assessed value)<br /> ______<br /> <br /> $12,577 = <strong>Total deduction </strong><br /> <br /></p>\r\n<p>Then, multiply your total deduction by your tax rate.</p>\r\n<p>For example, at a 28 percent tax rate: 12,577 x 0.28 = $3,521.56</p>\r\n<p>$3,521.56 = <strong>Amount you have lowered your federal income tax (at 28 percent tax rate)</strong> <br /> <br /> <em>Note: Mortgage interest may not be deductible on loans over $1.1 million. In addition, deductions are decreased when total income reaches a certain level. </em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Tips for Lowering Homeowner’s Insurance Costs</strong><br /> <br /> <strong>1.</strong> Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE report have been repaired.</p>\r\n<p> </p>\r\n<p><strong>2.</strong> Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.</p>\r\n<p> </p>\r\n<p><strong>3.</strong> Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.</p>\r\n<p> </p>\r\n<p><strong>4.</strong> Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.</p>\r\n<p> </p>\r\n<p><strong>5.</strong> Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower. Avoid making claims under $1,000.<br /> <br /></p>\r\n<p><strong>6.</strong> Ask about other discounts. For example, retirees who tend to be home more than full-time workers may qualify for a discount on theft insurance. You also may be able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt locks.</p>\r\n<p> </p>\r\n<p><strong>7.</strong> Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.</p>\r\n<p> </p>\r\n<p><strong>8.</strong> Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage. <br /> <br /></p>\r\n<p><strong>9.</strong> Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.</p>\r\n<p> </p>\r\n<p><strong>10.</strong> Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What You Can Do to Improve Your Credit </strong></p>\r\n<p><br /> Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following: <br /> <br /> <strong>1.</strong> Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management. <br /> <br /> <strong>2.</strong> Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.<br /> <br /> <strong>3.</strong> Don’t charge your credit cards to the maximum limit.<br /> <br /> <strong>4. </strong>Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.<br /> <br /> <strong>5.</strong> Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt. <br /> <br /> <strong>6.</strong> Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.<br /> <br /> <strong>7.</strong> Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time. <br /> <br /> <strong>8.</strong> Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.<br /> <br /> <em>This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, </em>Knowing and Understanding Your Credit<em>, visit <a href=\"http://www.homebuyingguide.org/\">www.homebuyingguide.org</a></em>.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Your</strong><strong> Property Wish List</strong></p>\r\n<p> </p>\r\n<p>What does your future home look like? Where is it located? As you hunt down your dream home, consult this list to evaluate properties and keep your priorities top of mind.</p>\r\n<p> </p>\r\n<p>□         <strong>Neighborhoods </strong></p>\r\n<p><strong> </strong></p>\r\n<p>What neighborhoods do you prefer?</p>\r\n<p> </p>\r\n<p>□         <strong>Schools </strong></p>\r\n<p><strong> </strong></p>\r\n<p>What school systems do you want to be near?</p>\r\n<p> </p>\r\n<p>□         <strong>Transportation </strong></p>\r\n<p><strong> </strong></p>\r\n<p>How close must the home be to these amenities:</p>\r\n<p> </p>\r\n<ul>\r\n<li>Public transportation </li>\r\n<li>Airport </li>\r\n<li>Expressway </li>\r\n<li>Neighborhood shopping</li>\r\n<li>Schools</li>\r\n<li>Other</li>\r\n</ul>\r\n<p> </p>\r\n<p>□         <strong>Home Style</strong></p>\r\n<p> </p>\r\n<ul>\r\n<li>What architectural style(s) of homes do you prefer?</li>\r\n<li>Do you want to buy a home, condominium, or townhome?</li>\r\n<li>Would you like a one-story or two-story home?</li>\r\n<li>How many bedrooms must your new home have?</li>\r\n<li>How many bathrooms must your new home have?</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p>□         <strong>Home Condition</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Do you prefer a new home or an existing home?</li>\r\n<li>If you’re looking for an existing home, how old of a home would you consider?</li>\r\n<li>How much repair or renovation would you be willing to do?</li>\r\n<li>Do you have special needs that your home must meet?</li>\r\n</ul>\r\n<p> </p>\r\n<p>□         <strong>Home Features </strong></p>\r\n<p><strong> </strong></p>\r\n<p>Please circle one of the choices: Must Have, Would Like, Willing to Compromise, Not Important</p>\r\n<p> </p>\r\n<p><strong>Front yard </strong> Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Back yard </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Garage ( __ cars) </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Patio/Deck </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Pool </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Family room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Formal living room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Formal dining room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Eat-in kitchen </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Laundry room </strong>Must Have             Would Like            Willing to Compromise      Not Important  <strong> </strong></p>\r\n<p><strong>Finished basement </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Attic </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Fireplace </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Spa in bath </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Air conditioning </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Wall-to-wall carpet </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Wood floors </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Great view </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong> </strong></p>\r\n<p>□         <strong>Other notes: </strong></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Things to Know About Homeowner’s Insurance</strong><br /> <br /> <strong>1. Know about exclusions to coverage.</strong> For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately. <br /> <br /> <strong>2. Know about dollar limitations on claims.</strong> Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately. <br /> <br /> <strong>3. Know the replacement cost.</strong> If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000. <br /> <br /> <strong>4. Know the actual cash value.</strong> If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value. <br /> <br /> <strong>5. Know the liability.</strong> Generally your homeowner’s insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p align=\"left\"><strong> </strong></p>\r\n<p align=\"left\"><strong>5 Things to Know About Title Insurance</strong></p>\r\n<p align=\"left\"><strong> </strong></p>\r\n<p align=\"left\">Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>1.</strong> It protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>2.</strong> It’s a one-time cost usually based on the price of the property.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>3.</strong> It’s usually paid for by the sellers, although this can vary depending on your state and local customs.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>4. </strong>There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>5.</strong> Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>7 Reasons to Own Your Home</strong><br /> <br /> <strong>1.</strong><strong> Tax breaks.</strong> The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.<br /> <br /> <strong>2. Appreciation.</strong> Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005, and increased 88.5 percent over the last 10 years, according to the NATIONAL ASSOCIATION OF REALTORS®. In addition, the number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.</p>\r\n<p><br /> <strong>3. Equity. </strong>Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home. <br /> <br /> <strong>4. Savings.</strong> Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax. <br /> <br /> <strong>5. Predictability.</strong> Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase. <br /> <br /> <strong>6. Freedom. </strong>The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home. <br /> <br /> <strong>7. Stability.</strong> Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity. <br /> <br /> Online resources: To calculate whether buying is the best financial option for you, use the “Buy vs. Rent” calculator at www.GinnieMae.gov.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142</strong></p>\r\n<p> </p>\r\n<p>10 Questions to Ask Home Inspectors<br /> <br /></p>\r\n<p>Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home inspectors:</p>\r\n<p><br /> <strong>1. Will your inspection meet recognized standards?</strong> Ask whether the inspection and the inspection report will meet all state requirements and comply with a well-recognized standard of practice and code of ethics, such as the one adopted by the American Society of Home Inspectors or the National Association of Home Inspectors. Customers can view each group’s standards of practice and code of ethics online at <a href=\"http://www.ashi.org/\" target=\"blank\">www.ashi.org</a> or <a href=\"http://www.nahi.org/\" target=\"blank\">www.nahi.org</a>. ASHI’s Web site also provides a database of state regulations.<br /> <br /> <strong>2. Do you belong to a professional home inspector association?</strong> There are many state and national associations for home inspectors, including the two groups mentioned in No. 1. Unfortunately, some groups confer questionable credentials or certifications in return for nothing more than a fee. Insist on members of reputable, nonprofit trade organizations; request to see a membership ID. <br /> <br /> <strong>3. How experienced are you?</strong> Ask how long inspectors have been in the profession and how many inspections they’ve completed. They should provide customer referrals on request. New inspectors also may be highly qualified, but they should describe their training and let you know whether they plan to work with a more experienced partner. <br /> <br /> <strong>4. How do you keep your expertise up to date?</strong> Inspectors’ commitment to continuing education is a good measure of their professionalism and service. Advanced knowledge is especially important in cases in which a home is older or includes unique elements requiring additional or updated training. <br /> <br /> <strong>5. Do you focus on residential inspection? </strong>Make sure the inspector has training and experience in the unique discipline of home inspection, which is very different from inspecting commercial buildings or a construction site. If your customers are buying a unique property, such as a historic home, they may want to ask whether the inspector has experience with that type of property in particular.<br /> <br /> <strong>6. Will you offer to do repairs or improvements? </strong>Some state laws and trade associations allow the inspector to provide repair work on problems uncovered during the inspection. However, other states and associations forbid it as a conflict of interest. Contact your local ASHI chapter to learn about the rules in your state. <br /> <br /> <strong>7. How long will the inspection take? </strong>On average, an inspector working alone inspects a typical single-family house in two to three hours; anything significantly less may not be thorough. If your customers are purchasing an especially large property, they may want to ask whether additional inspectors will be brought in.<br /> <br /> <strong>8. What’s the cost? </strong>Costs can vary dramatically, depending on your region, the size and age of the house, and the scope of services. The national average for single-family homes is about $320, but customers with large homes can expect to pay more. Customers should be wary of deals that seem too good to be true. <br /> <br /> <strong>9. What type of inspection report do you provide? </strong>Ask to see samples to determine whether you will understand the inspector\'s reporting style. Also, most inspectors provide their full report within 24 hours of the inspection. <br /> <br /> <strong>10. Will I be able to attend the inspection? </strong>The answer should be yes. A home inspection is a valuable educational opportunity for the buyer. An inspector\'s refusal to let the buyer attend should raise a red flag.</p>\r\n<p> </p>\r\n<p><em>Source: Rob Paterkiewicz, executive director, American Society of Home Inspectors, Des   Plaines, Ill., www.ashi.org.</em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>10 Questions to Ask the Condo Board</strong><br /> <br /> Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to potential problems with the property.<br /> <br /> <strong>1. What percentage of units is owner-occupied? What percentage is tenant-occupied?</strong> Generally, the higher the percentage of owner-occupied units, the more marketable the units will be at resale. <br /> <br /> <strong>2. What covenants, bylaws, and restrictions govern the property?</strong> <strong>What grandfather clauses are in place?</strong> You may find, for instance, that those who buy a property after a certain date can’t rent out their units, but buyers who bought earlier can. Ask for a copy of the bylaws to determine if you can live within them. And have an attorney review property docs, including the master deed, for you.<br /> <br /> <strong>3. How much does the association keep in reserve? </strong>Plus, find out how that money is being invested.<br /> <br /> <strong>4. Are association assessments keeping pace with the annual rate of inflation?</strong> Smart boards raise assessments a certain percentage each year to build reserves to fund future repairs.<strong> </strong>To determine if the assessment is reasonable, compare the rate to others in the area.<br /> <br /> <strong>5. What does and doesn’t the assessment cover?</strong> Does the assessment include common-area maintenance, recreational facilities, trash collection, and snow removal? <br /> <br /> <strong>6. What special assessments have been mandated in the past five years?</strong> How much was each owner responsible for? Some special assessments are unavoidable. But repeated, expensive assessments could be a red flag about the condition of the building or the board’s fiscal policy.<br /> <br /> <strong>7. How much turnover occurs in the building?</strong> This will tell you if residents are generally happy with the building. According to research by the NATIONAL ASSOCIATION OF REALTORS®, owners of condos in two-to-four unit buildings stay for a median of five years, and owners of condos in a building with five or more units stay for a median of four years.<br /> <br /> <strong>8. Is the condo building in litigation?</strong> This is never a good sign. If the builders or home owners are involved in a lawsuit, reserves can be depleted quickly.<br /> <br /> <strong>9. Is the developer reputable?</strong> Find out what other projects the developer has built and visit one if you can. Ask residents about their perceptions. Request an engineer’s report for developments that have been reconverted from other uses to determine what shape the building is in. If the roof, windows, and bricks aren’t in good repair, they become your problem once you buy.<br /> <br /> <strong>10. Are multiple associations involved in the property?</strong> In very large developments, umbrella associations, as well as the smaller association into which you’re buying, may require separate assessments.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>17 Tips for Packing Like a Pro</strong></p>\r\n<p><strong> </strong></p>\r\n<p>Moving to a new home can be stressful, to say the least. Make it easy on yourself by planning far in advance and making sure you’ve covered all the bases.<br /> <br /> <strong>1. Plan ahead by organizing and budgeting.</strong> Develop a master “to do” list so you won’t forget something critical on moving day, and create an estimate of moving costs. (A <a href=\"http://www1.move.com/move/tools/movingcalc.asp?gate=realtor&amp;poe=realtor&amp;tran=vud\">moving calculator</a> is available at REALTOR.com)<br /> <br /> <strong>2. Sort and get rid of things you no longer want or need. </strong>Have a garage sale, donate to a charity, or recycle.<br /> <br /> <strong>3. But don’t throw out everything.</strong> If your inclination is to just toss it, you\'re probably right. However, it\'s possible to go overboard in the heat of the moment. Ask yourself how frequently you use an item and how you’d feel if you no longer had it. That will eliminate regrets after the move.<br /> <br /> <strong>4. Pack similar items together.</strong> Put toys with toys, kitchen utensils with kitchen utensils. It will make your life easier when it\'s time to unpack.<br /> <br /> <strong>5. Decide what, if anything, you plan to move on your own.</strong> Precious items such as family photos, valuable breakables, or must-haves during the move should probably stay with you. Don\'t forget to keep a \"necessities\" bag with tissues, snacks, and other items you\'ll need that day.</p>\r\n<p> </p>\r\n<p><strong>6. Remember, most movers won’t take plants.</strong> If you don\'t want to leave them behind, you should plan on moving them yourself.</p>\r\n<p><br /> <strong>7. Use the right box for the item. </strong>Loose items are prone to breakage.</p>\r\n<p> </p>\r\n<p><strong>8. Put heavy items in small boxes so they’re easier to lift.</strong> Keep the weight of each box under 50 pounds, if possible.<br /> <br /> <strong>9. Don’t over-pack boxes.</strong> It increases the likelihood that items inside the box will break.</p>\r\n<p><br /> <strong>10. Wrap every fragile item separately and pad bottom and sides of boxes. </strong>If necessary, purchase bubble-wrap or other packing materials from moving stores. <br /> <br /> <strong>11. Label every box on all sides.</strong> You never know how they’ll be stacked and you don’t want to have to move other boxes aside to find out what’s there. <br /> <br /> <strong>12. Use color-coded labels to indicate which room each item should go in. </strong>Color-code a floor plan for your new house to help movers. <br /> <br /> <strong>13. Keep your moving documents together in a file.</strong> Include important phone numbers, driver’s name, and moving van number. Also keep your address book handy.</p>\r\n<p> </p>\r\n<p><strong>14. Print out a map and directions for movers. </strong>Make several copies, and highlight the route. Include your cell phone number on the map. You don’t want movers to get lost! Also make copies for friends or family who are lending a hand on moving day.<br /> <br /> <strong>15. Back up your computer files before moving your computer. </strong>Keep the backup in a safe place, preferably at an off-site location.<br /> <br /> <strong>16. Inspect each box and all furniture for damage as soon as it arrives. </strong></p>\r\n<p><br /> <strong>17. Make arrangements for small children and pets.</strong> Moving can be stressful and emotional. Kids can help organize their things and pack boxes ahead of time, but, if possible, it might be best to spare them from the moving-day madness.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Closing</strong><strong> Documents You Should Keep</strong></p>\r\n<p> </p>\r\n<p>On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for future reference.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>HUD-1      settlement statement. </strong>Itemizes all the costs — commissions, loan fees, points,      and hazard insurance —associated with the closing. You’ll need it for      income tax purposes if you paid points. </li>\r\n<li><strong>Truth      in Lending statement. </strong>Summarizes the      terms of your mortgage loan, including the annual percentage rate and recision period. </li>\r\n<li><strong>Mortgage      and note. </strong>Spell      out the legal terms of your mortgage obligation and the agreed-upon      repayment terms. </li>\r\n<li><strong>Deed. </strong>Transfers      ownership to you. </li>\r\n<li><strong>Affidavits. </strong>Binding      statements by either party. For example, the sellers will often sign an      affidavit stating that they haven’t incurred any liens. </li>\r\n<li><strong>Riders. </strong>Amendments      to the sales contract that affect your rights. Example: The sellers won’t      move out until two weeks after closing but will pay rent to the buyers      during that period. </li>\r\n<li><strong>Insurance      policies. </strong>Provide      a record and proof of your coverage.</li>\r\n</ul>\r\n<p><br /> <em>Sources:</em><em> Credit Union National Association; Mortgage Bankers Association; Home-Buyer’s Guide (Real Estate Center at Texas A&amp;M, 2000)</em></p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Common Closing Costs for Buyers</strong></p>\r\n<p align=\"center\"><strong> </strong></p>\r\n<p align=\"left\">You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of all settlement costs. The title company or other entity conducting the closing will tell you the required amount for:</p>\r\n<p align=\"left\"> </p>\r\n<ul>\r\n<li>Down payment </li>\r\n<li>Loan origination </li>\r\n<li>Points, or loan discount fees, which you pay to receive a lower interest rate</li>\r\n<li>Home inspection </li>\r\n<li>Appraisal </li>\r\n<li>Credit report </li>\r\n<li>Private mortgage insurance premium</li>\r\n<li>Insurance escrow for homeowner’s insurance, if being paid as part of the mortgage</li>\r\n<li>Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.</li>\r\n<li>Deed recording </li>\r\n<li>Title insurance policy premiums</li>\r\n<li>Land survey</li>\r\n<li>Notary fees</li>\r\n<li>Prorations for your share of costs, such as utility bills and property taxes</li>\r\n</ul>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>A Note About Prorations</strong>: Because such costs are usually paid on either a monthly or yearly basis, you might have to pay a bill for services used by the sellers before they moved. Proration is a way for the sellers to pay you back or for you to pay them for bills they may have paid in advance. For example, the gas company usually sends a bill each month for the gas used during the previous month. But assume you buy the home on the 6<sup>th</sup> of the month. You would owe the gas company for only the days from the 6<sup>th</sup> to the end for the month. The seller would owe for the first five days. The bill would be prorated for the number of days in the month, and then each person would be responsible for the days of his or her ownership.</p>\r\n<p align=\"left\"> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>How High Tech Home is Your Home?</strong><br /> <br /> If the latest technology or entertainment options are important in your new home, add the following questions to your buyer’s checklist. <br /> <br /> <strong>1. </strong>Are there enough jacks in every room for cable TV and high-speed Internet hookups? <br /> <br /> <strong>2.</strong> Are there ample telephone extensions or jacks? <br /> <br /> <strong>3. </strong>Is the home pre-wired for home theater or multiroom audio and video? Does it have in-wall speakers?<br /> <br /> <strong>4.</strong> Does the home have a local area network (LAN) for linking computers?<br /> <br /> <strong>5.</strong> Does the home already have wiring for DSL or another high-speed Internet connection?<br /> <br /> <strong>6.</strong> Does the home have multizoning heating and cooling controls with programmable thermostats?<br /> <br /> <strong>7.</strong> Does the home have multiroom lighting controls, window-covering controls, or other home automation features?<br /> <br /> <strong>8.</strong> Is the home wired with multipurpose in-wall wiring that allows for reconfigurations to update services as technology changes?</p>\r\n<p> </p>\r\n<p>To rate the home on its technological sophistication, fill out the Consumer Electronics Association’s TechHome checklist at <a href=\"http://www.ce.org/techhomerating\" target=\"new\">www.ce.org/techhomerating</a>.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Pros and Cons of Going Condo</strong></p>\r\n<p><strong> </strong></p>\r\n<p>Condominiums and townhouses offer an affordable option to single-family homes in many markets, and they’re ideal for those who appreciate a maintenance-free lifestyle. But before you buy, make sure you do your legwork. These are some of the important elements to consider:</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Storage.</strong> Some condos have storage lockers, but usually there are no attics or basements to hold extra belongings.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Outdoor space.</strong> Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you dread yard work, this may be the perfect option for you.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Amenities.</strong> Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Maintenance.</strong> Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home — good news if you like to travel.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Security.</strong> Keyed entries and even doormen are common in many condos. You’re also closer to other people in case of an emergency. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Reserve funds and association fees.</strong> Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees decided by the condo board, whether or not you’re interested in the amenity. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Resale.</strong> The ease of selling your unit may be dependent on what else is for sale in your building, since units are usually fairly similar. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Condo rules.</strong> Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets, or don’t allow owners to rent out their units. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Neighbors.</strong> You’re much closer to your neighbors in a condo or town home. If possible, try to meet your closest prospective neighbors.</li>\r\n</ul>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Questions to Ask When Choosing a REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.</p>\r\n<p> </p>\r\n<p><strong>1. How long have you been in residential real estate sales? Is it your full-time job?</strong> While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.</p>\r\n<p> </p>\r\n<p><strong>2. What designations do you hold?</strong> Designations such as GRI and CRS® — which require that agents take additional, specialized real estate training — are held by only about one-quarter of real estate practitioners.</p>\r\n<p> </p>\r\n<p><strong>3. How many homes did you and your real estate brokerage sell last year? </strong>By asking this question, you’ll get a good idea of how much experience the practitioner has.</p>\r\n<p> </p>\r\n<p><strong>4. How many days did it take you to sell the average home? How did that compare to the overall market?</strong></p>\r\n<p>The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison.</p>\r\n<p> </p>\r\n<p><strong>5. How close to the initial asking prices of the homes you sold were the final sale prices? </strong>This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market.</p>\r\n<p> </p>\r\n<p><strong>6. What types of specific marketing systems and approaches will you use to sell my home?</strong> You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive.</p>\r\n<p> </p>\r\n<p><strong>7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction?</strong> While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party.</p>\r\n<p> </p>\r\n<p><strong>8. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done?</strong> Because REALTORS® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.</p>\r\n<p> </p>\r\n<p><strong>9. What type of support and supervision does your brokerage office provide to you?</strong> Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home.</p>\r\n<p> </p>\r\n<p><strong>10. What’s your business philosophy? </strong>While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own.</p>\r\n<p> </p>\r\n<p><strong>11. How will you keep me informed about the progress of my transaction? How frequently? </strong>Again, this is not a question with a correct answer, but it reflects your desires. Do you want updates twice a week or do you not want to be bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a personal visit?</p>\r\n<p> </p>\r\n<p><strong>12. Could you please give me the names and phone numbers of your three most recent clients?</strong></p>\r\n<p>Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR®.</p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Take the Stress Out of Homebuying</strong><br /> <br /> Buying a home should be fun, not stressful. As you look for your dream home, keep in mind these tips for making the process as peaceful as possible.</p>\r\n<p> </p>\r\n<p><strong>1. Find a real estate agent who you connect with. </strong>Home buying is not only a big financial commitment, but also an emotional one. It’s critical that the REALTOR® you chose is both highly skilled and a good fit with your personality.<br /> <br /> <strong>2. Remember, there’s no “right” time to buy, just as there’s no perfect time to sell.</strong> If you find a home now, don’t try to second-guess interest rates or the housing market by waiting longer — you risk losing out on the home of your dreams. The housing market usually doesn’t change fast enough to make that much difference in price, and a good home won’t stay on the market long.<br /> <br /> <strong>3. Don’t ask for too many opinions.</strong> It’s natural to want reassurance for such a big decision, but too many ideas from too many people will make it much harder to make a decision. Focus on the wants and needs of your immediate family — the people who will be living in the home.<br /> <br /> <strong>4. Accept that no house is ever perfect.</strong> If it’s in the right location, the yard may be a bit smaller than you had hoped. The kitchen may be perfect, but the roof needs repair. Make a list of your top priorities and focus in on things that are most important to you. Let the minor ones go.<br /> <br /> <strong>5. Don’t try to be a killer negotiator.</strong> Negotiation is definitely a part of the real estate process, but trying to “win” by getting an extra-low price or by refusing to budge on your offer may cost you the home you love. Negotiation is give and take.<br /> <br /> <strong>6. Remember your home doesn’t exist in a vacuum.</strong> Don’t get so caught up in the physical aspects of the house itself — room size, kitchen, etc. — that you forget about important issues as noise level, location to amenities, and other aspects that also have a big impact on your quality of life. <br /> <br /> <strong>7. Plan ahead.</strong> Don’t wait until you’ve found a home and made an offer to get approved for a mortgage, investigate home insurance, and consider a schedule for moving. Presenting an offer contingent on a lot of unresolved issues will make your bid much less attractive to sellers. <br /> <br /> <strong>8. Factor in maintenance and repair costs in your post-home buying budget.</strong> Even if you buy a new home, there will be costs. Don’t leave yourself short and let your home deteriorate.<br /> <br /> <strong>9. Accept that a little buyer’s remorse is inevitable and will probably pass.</strong> Buying a home, especially for the first time, is a big financial commitment. But it also yields big benefits. Don’t lose sight of why you wanted to buy a home and what made you fall in love with the property you purchased.<br /> <br /> <strong>10. Choose a home first because you love it; then think about appreciation.</strong> While U.S. homes have appreciated an average of 5.4 percent annually over from 1998 to 2002, a home’s most important role is to serve as a comfortable, safe place to live.</p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<h1>Tips for Buying in a Tight Market</h1>\r\n<p> </p>\r\n<p>Increase your chances of getting your dream house in a competitive housing market, and lower your chances of losing out to another buyer.</p>\r\n<p> </p>\r\n<p><strong>1. Get prequalified for a mortgage.</strong> You’ll be able to make a firm commitment to buy and your offer will be more desirable to the seller.</p>\r\n<p> </p>\r\n<p><strong>2. Stay in close contact with your real estate agent to find out about the newest listings.</strong> Be ready to see a house as soon as it goes on the market — if it’s a great home, it will go fast.</p>\r\n<p> </p>\r\n<p><strong>3. Scout out new listings yourself.</strong> Look at Web sites such as REALTOR.com, browse your local newspaper’s real estate section, and drive through the neighborhood to spot For Sale signs. If you see a home you like, write down the address and the name of the listing agent. Your real estate agent will schedule a showing.</p>\r\n<p> </p>\r\n<p><strong>4. Be ready to make a decision. </strong>Spend a lot of time in advance deciding what you must have in a home so you won’t be unsure when you have the chance to make an offer.</p>\r\n<p> </p>\r\n<p><strong>5. Bid competitively.</strong> You may not want to start out offering the absolute highest price you can afford, but don’t go too low to get a deal. In a tight market, you’ll lose out.</p>\r\n<p> </p>\r\n<p><strong>6. Keep contingencies to a minimum.</strong> Restrictions such as needing to sell your home before you move or wanting to delay the closing until a certain date can make your offer unappealing. In a tight market, you’ll probably be able to sell your house rapidly. Or talk to your lender about getting a bridge loan to cover both mortgages for a short period.</p>\r\n<p> </p>\r\n<p><strong>7. Don’t get caught in a buying frenzy.</strong> Just because there’s competition doesn’t mean you should just buy it. And even though you want to make your offer attractive, don’t neglect inspections that help ensure that your house is sound.</p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Tips for Finding the Perfect Neighborhood</strong> <br /> <br /> Your neighborhood has a big impact on your lifestyle. Follow these steps to find the perfect community to call home.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Is it close to your favorite spots?</strong> Make a list of the activities — movies, health club, church, etc. — you engage in regularly and stores you visit frequently. See how far you would have to travel from each neighborhood you’re considering to engage in your most common activities.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Check out the school district.</strong> This is especially important if you have children, but it also can affect resale value. The Department of Education in your town can probably provide information on test scores, class size, percentage of students who attend college, and special enrichment programs. If you have school-age children, visit schools in the neighborhoods you’re considering. Also, check out www.schoolmatters.com.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Find out if the neighborhood is safe. </strong>Ask the police department for neighborhood crime statistics. Consider not only the number of crimes but also the type — such as burglaries or armed robberies — and the trend of increasing or decreasing crime. Also, is crime centered in only one part of the neighborhood, such as near a retail area? </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Determine if the neighborhood is economically stable.</strong> Check with your local city economic development office to see if income and property values in the neighborhood are stable or rising. What is the percentage of homes to apartments? Apartments don’t necessarily diminish value, but do mean a more transient population. Do you see vacant businesses or homes that have been for sale for months?</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>See if you’ll make money.</strong> Ask a local REALTOR® or call the local REALTOR® association to get information about price appreciation in the neighborhood. Although past performance is no guarantee of future results, this information may give you a sense of how good of an investment your home will be. A REALTOR® or the government planning agency also may be able to tell you about planned developments or other changes in the neighborhood — like a new school or highway — that might affect value. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Make personal observations.</strong> Once you’ve narrowed your focus to two or three neighborhoods, go there and walk around. Are homes tidy and well maintained? Are streets quiet? How does it feel? Pick a warm day if you can and chat with people working or playing outside.</li>\r\n</ul>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What a Home Inspection Should Cover</strong><strong><br /> </strong><br /> Home inspections will vary depending on the type of property you are purchasing. A large historic home, for example, will require a more specialized inspection than a small condominium. However, the following are the basic elements that a home inspector will check. You can also use this list to help you evaluate properties you might purchase.</p>\r\n<p> </p>\r\n<p>For more information, try the virtual home inspection at <a href=\"http://www.ashi.org/\">www.ASHI.org</a>, the Web site of the American Society of Home Inspectors.</p>\r\n<p> </p>\r\n<p><strong>Structure: </strong>A home’s skeleton impacts how the property stands up to weather, gravity, and the earth. Structural components, including the foundation and the framing, should be inspected.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>Exterior: </strong>The inspector should look at sidewalks, driveways, steps, windows, and doors. A home’s siding, trim, and surface drainage also are part of an exterior inspection.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Doors and windows</strong></li>\r\n<li><strong>Siding (brick, stone, stucco, vinyl, wood, etc.)</strong></li>\r\n<li><strong>Driveways/sidewalks</strong></li>\r\n<li><strong>Attached porches, decks, and balconies</strong></li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Roofing</strong>: A well-maintained roof protects you from rain, snow, and other forces of nature. Take note of the roof’s age, conditions of flashing, roof draining systems (pooling water), buckled shingles, loose gutters and downspouts, skylight, and chimneys.</p>\r\n<p> </p>\r\n<p><strong>Plumbing:</strong> Thoroughly examine the water supply and drainage systems, water heating equipment, and fuel storage systems. Drainage pumps and sump pumps also fall under this category. Poor water pressure, banging pipes, rust spots, or corrosion can indicate problems.</p>\r\n<p> </p>\r\n<p><strong>Electrical:</strong> Safe electrical wiring is essential. Look for the condition of service entrance wires, service panels, breakers and fuses, and disconnects. Also take note of the number of outlets in each room.</p>\r\n<p> </p>\r\n<p><strong>Heating: </strong>The home’s heating system, vent system, flues, and chimneys should be inspected. Look for age of water heater, whether the size is adequate for the house, speed of recovery, and energy rating.<br /> <br /></p>\r\n<p><strong>Air Conditioning:</strong> Your inspector should describe your home cooling system, its energy source, and inspect the central and through-wall cooling equipment. Consider the age and energy rating of the system.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>Interiors:</strong> An inspection of the inside of the home can reveal plumbing leaks, insect damage, rot, construction defects, and other issues. An inspector should take a close look at:</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Walls, ceilings and floors</strong></li>\r\n<li><strong>Steps, stairways, and railings</strong></li>\r\n<li><strong>Countertops and cabinets</strong></li>\r\n<li><strong>Garage doors and garage door systems</strong></li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Ventilation/insulation:</strong> To prevent energy loss, check for adequate insulation and ventilation in the attic and in unfinished areas such as crawlspaces. Also look for proper, secured insulation in walls. Insulation should be appropriate for the climate. Excess moisture in the home can lead to mold and water damage.</p>\r\n<p> </p>\r\n<p><strong>Fireplaces: </strong>They’re charming, but they could be dangerous if not properly installed. Inspectors should examine the system, including the vent and flue, and describe solid fuel burning appliances.</p>\r\n<p> </p>\r\n<p><em>Source: American Society of Home Inspectors (www.AHSI.org)</em></p>\r\n<p>\r\n<hr />\r\n<strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What Not to Overlook on a Final Walk-through</strong></p>\r\n<p align=\"left\"><strong> </strong></p>\r\n<p align=\"left\">It’s guaranteed to be hectic right before closing, but you should always make time for a final walk-through. Your goal is to make sure that your home is in the same condition you expected it would be. Ideally, the sellers already have moved out. This is your last chance to check that appliances are in working condition and that agreed-upon repairs have been made. Here’s a detailed list of what not to overlook for on your final walk-through.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\">Make sure that:</p>\r\n<p align=\"left\"> </p>\r\n<ul>\r\n<li>Repairs you’ve requested have been made. Obtain copies of paid bills and warranties.</li>\r\n<li>There are no major changes to the property since you last viewed it.</li>\r\n<li>All items that were included in the sale price — draperies, lighting fixtures, etc. — are still there.</li>\r\n<li>Screens and storm windows are in place or stored.</li>\r\n<li>All appliances are operating, such as the dishwasher, washer and dryer, oven, etc. </li>\r\n<li>Intercom, doorbell, and alarm are operational.</li>\r\n<li>Hot water heater is working.</li>\r\n<li>No plants or shrubs have been removed from the yard.</li>\r\n<li>Heating and air conditioning system is working</li>\r\n<li>Garage door opener and other remotes are available.</li>\r\n<li>Instruction books and warranties on appliances and fixtures are available.</li>\r\n<li>All personal items of the sellers and all debris have been removed. Check the basement, attic, and every room, closet, and crawlspace.</li>\r\n</ul>\r\n<p align=\"left\">\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What’s a Home Warranty?</strong></p>\r\n<p> </p>\r\n<p>A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract.</p>\r\n<p> </p>\r\n<p>Check your home warranty policy to see which of the following items are covered. Also find out if the policy covers the full replacement cost of an item.</p>\r\n<p> </p>\r\n<ul>\r\n<li>Plumbing</li>\r\n<li>Electrical systems</li>\r\n<li>Furnace</li>\r\n<li>Water heater</li>\r\n<li>Heating ducts</li>\r\n<li>Water pump</li>\r\n<li>Dishwasher</li>\r\n<li>Garbage disposal</li>\r\n<li>Stove/cooktop/ovens</li>\r\n<li>Microwave</li>\r\n<li>Refrigerator</li>\r\n<li>Washer/dryer</li>\r\n<li>Swimming pool (may be optional)</li>\r\n</ul>\r\n<p> </p>\r\n<p><em>Source: American Home Shield, <a href=\"http://www.ahswarranty.com/\">www.ahswarranty.com</a>, REALTOR® Benefits Partner</em></p>\r\n<p> </p>\r\n<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Why You Should Work With a REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.</p>\r\n<p> </p>\r\n<p><strong>1. You’ll have an expert to guide you through the process.</strong> Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.</p>\r\n<p> </p>\r\n<p><strong>2. Get objective information and opinions.</strong> REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?</p>\r\n<p> </p>\r\n<p><strong>3. Find the best property out there. </strong>Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.</p>\r\n<p> </p>\r\n<p><strong>4. Benefit from their negotiating experience. </strong>There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.</p>\r\n<p> </p>\r\n<p><strong>5.  Property marketing power. </strong>Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.</p>\r\n<p> </p>\r\n<p><strong>6. Real estate has its own language.</strong> If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.</p>\r\n<p> </p>\r\n<p><strong>7. REALTORS® have done it before.</strong> Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.</p>\r\n<p> </p>\r\n<p><strong>8. Buying and selling is emotional.</strong> A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.</p>\r\n<p> </p>\r\n<p><strong>9. Ethical treatment.</strong> Every member of the NATIONAL ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code of Ethics, which is based on professionalism and protection of the public. As a customer of a REALTOR®, you can expect honest and ethical treatment in all transaction-related matters. It is mandatory for REALTORS® to take the Code of Ethics orientation and they are also required to complete a refresher course every four years.</p>\r\n<p> </p>\r\n<p> </p>','',0,2,0,4,'2011-05-20 20:53:28',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-20 20:53:28','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,35,'','',0,0,'robots=\nauthor='),(5,'I Want to Be Your Realtor','i-want-to-be-your-realtor','','<h2 style=\"text-align: left;\"><span style=\"color: #339966;\">Are you looking for a home in the Clarksville area  ?<br /></span></h2>\r\n<h1 style=\"text-align: center;\"><span style=\"color: #008000;\">Dreams do come true in Clarksville.</span></h1>\r\n<p><img src=\"images/stories/71_jimmie_van_hooser.jpg\" border=\"0\" alt=\"Jimmie Van Hooser\" title=\"Hello Everyone\" width=\"170\" height=\"234\" style=\"float: left; border: 0pt none; margin: 5px;\" /></p>\r\n<h1><img src=\"images/stories/logo-rdc-header.png\" border=\"0\" alt=\"Realtor\" title=\"Realtor\" width=\"166\" height=\"93\" style=\"float: left; margin: 5px;\" /></h1>\r\n<p>Serving Areas Including : Clarksville, Fort Campbell, Saint Bethlehem, Sango,Woodlawn<strong>,</strong> Oak Grove, Adams,Dover, Coopertown,  Plesant View, Springfield, Chapmansboro, Hendersonville, Ashland City,  Erin,Tennessee Ridge, and Dickson.</p>\r\n<p>Serving Counties Including: Cheatham County, Dickson County, Houston County, Montgomery County, Robertson County ,Stewart County, Sumner County,Todd &amp; Christian Counties in Kentucky</p>\r\n<h3><span style=\"color: #339966;\">Buying or Selling a Home ?</span></h3>\r\n<p>Search everything the web has to offer, right here! If it is listed I know about it! And, of course, through my site, you can access ALL of the listings on the MLS (Multiple Listing Service). Don\'t miss my Feature Homes.</p>\r\n<p>Need local real estate information? I\'ve summarized much of what is important about the Clarksville Tennessee Area real estate market in this site.</p>\r\n<h2><span style=\"color: #339966;\"><img src=\"images/stories/img_0393.jpg\" border=\"0\" alt=\"Jimmie Van Hoosen Awards\" title=\"Jimmie Van Hoosen Awards\" width=\"236\" height=\"177\" style=\"float: right; border: 0pt none; margin: 5px;\" /></span></h2>\r\n<p>Need expert advice?  No web site, large or small, can take the place of a top Realtor.</p>\r\n<p>Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. <br /><br />Buying and selling a home is one of the biggest events in your life. As a top  Realtor, I have the experience and track record you are looking for. Please let me help.</p>\r\n<h3><span style=\"color: #339966;\"><span class=\"heading\">Other Services</span></span></h3>\r\n<p><span style=\"color: #339966;\"><strong><span class=\"subheading\">Planning to Relocate?</span></strong></span> <br />To  simplify your transition, I can help you learn more about the area and help you locate a  home that fits your lifestyle and preferences. Services include  information on the real estate market as well as specific communities,  schools and zoning. For more information, contact me.</p>\r\n<p><span style=\"color: #339966;\"><strong><span class=\"subheading\">Need Help Financing?</span></strong></span><br />I can help you find a  reputable lender, such as a bank or mortgage company.</p>\r\n<p> </p>\r\n<h3 style=\"text-align: center;\">Please contact me for one-on-one expert help and advice. <br />Contact me  with confidence!  Your privacy will be respected. And I offer the  services on this site for free and without obligation.</h3>\r\n<p> </p>\r\n<table style=\"width: 100%;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"40\"><img src=\"templates/yougrids/images/emailButton.png\" border=\"0\" alt=\"Please enter a valid email.: \" /></td>\r\n<td><a href=\"mailto:jvanhoos@realtracs.com\">jvanhoos@realtracs.com</a><span style=\"display: none;\">This e-mail address is being protected from spam bots, you need JavaScript enabled to view it. </span></td>\r\n</tr>\r\n<tr>\r\n<td width=\"40\"><img src=\"images/M_images/con_tel.png\" border=\"0\" alt=\"Telephone: \" /></td>\r\n<td>931-245-2050</td>\r\n</tr>\r\n<tr>\r\n<td width=\"40\"><img src=\"images/M_images/con_fax.png\" border=\"0\" alt=\"Fax: \" /></td>\r\n<td>931-245-1578</td>\r\n</tr>\r\n<tr>\r\n<td width=\"40\"><img src=\"images/M_images/con_mobile.png\" border=\"0\" alt=\"Mobile Phone Number: \" /></td>\r\n<td>931-320-2142</td>\r\n</tr>\r\n</tbody>\r\n</table>','',0,0,0,0,'2011-05-17 19:44:15',62,'','2011-05-19 00:21:14',62,0,'0000-00-00 00:00:00','2011-05-17 19:44:15','0000-00-00 00:00:00','','','show_title=0\nlink_titles=0\nshow_intro=0\nshow_section=0\nlink_section=0\nshow_category=0\nlink_category=0\nshow_vote=0\nshow_author=0\nshow_create_date=0\nshow_modify_date=0\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',0,0,3,'','',0,0,'robots=\nauthor='),(7,'5 Feng Shui Concepts to Help a Home Sell','2011-07-20-18-39-00','','<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Feng Shui Concepts to Help a Home Sell</strong><br /> <br /> To put the best face on a listing and appeal to buyers who follow feng shui principles, keep these tips in mind.<br /> <br /> <strong>1. </strong>Pay special attention to the front door, which is considered the “mouth of chi” (chi is the “life force” of all things) and one of the most powerful aspects of the entire property. Abundance, blessings, opportunities, and good fortune enter through the front door. It’s also the first impression buyers have of how well the sellers have taken care of the rest of the property. Make sure the area around the front door is swept clean, free of cobwebs and clutter. Make sure all lighting is straight and properly hung. Better yet, light the path leading up to the front door to create an inviting atmosphere.<br /> <br /> <strong>2.</strong> Chi energy can be flushed away wherever there are drains in the home. To keep the good forces of a home in, always keep the toilet seats down and close the doors to bathrooms.<br /> <br /> <strong>3.</strong> The master bed should be in a place of honor, power, and protection, which is farthest from and facing toward the entryway of the room. It’s even better if you can place the bed diagonally in the farthest corner. Paint the room in colors that promote serenity, relaxation, and romance, such as soft tones of green, blue, and lavender.<br /> <br /> <strong>4.</strong> The dining room symbolizes the energy and power of family togetherness. Make sure the table is clear and uncluttered during showings. Use an attractive tablecloth to enhance the look of the table while also softening sharp corners.<br /> <br /> <strong>5.</strong> The windows are considered to be the eyes of the home. Getting the windows professionally cleaned will make the home sparkle and ensure that the view will be optimally displayed.<br /> <br /> <em>Source: </em>Sell Your Home Faster With Feng Shui<em> by Holly Ziegler (Dragon Chi Publications, 2001)</em></p>\r\n<p><em> \r\n<hr />\r\n<br /></em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p> </p>','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 18:39:00',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',2,0,15,'','',0,231,'robots=\nauthor='),(50,' 12 Questions to Ask When Choosing Your REALTOR®','2011-07-20-18-56-38','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>12 Questions to Ask When Choosing Your REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.</p>\r\n<p> </p>\r\n<p><strong>1. How long have you been in residential real estate sales? Is it your full-time job?</strong> While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.</p>\r\n<p> </p>\r\n<p><strong>2. What designations do you hold?</strong> Designations such as GRI and CRS®, which require that agents take additional, specialized real estate training, are held only by about one-quarter of real estate practitioners.</p>\r\n<p> </p>\r\n<p><strong>3. How many homes did you and your real estate brokerage sell last year? </strong>By asking this question, you’ll get a good idea of how much experience the practitioner has.</p>\r\n<p> </p>\r\n<p><strong>4. How many days did it take you to sell the average home? How did that compare to the overall market? </strong> The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison.</p>\r\n<p> </p>\r\n<p><strong>5. How close to the initial asking prices of the homes you sold were the final sale prices? </strong>This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market.</p>\r\n<p> </p>\r\n<p><strong>6. What types of specific marketing systems and approaches will you use to sell my home?</strong> You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive.</p>\r\n<p> </p>\r\n<p><strong>7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction?</strong> While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party.</p>\r\n<p> </p>\r\n<p><strong>8. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done?</strong> Because REALTORS® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.</p>\r\n<p> </p>\r\n<p><strong>9. What type of support and supervision does your brokerage office provide to you?</strong> Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home.</p>\r\n<p> </p>\r\n<p><strong>10. What’s your business philosophy?</strong> While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own.</p>\r\n<p> </p>\r\n<p><strong>11. How will you keep me informed about the progress of my transaction? How frequently? </strong>Again, this is not a question with a correct answer, but how you judge the response will reflect your own desires. Do you want updates twice a week or do you prefer not to be bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a personal visit?</p>\r\n<p> </p>\r\n<p><strong>12. Could you please give me the names and phone numbers of your three most recent clients? </strong>Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR®.</p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 18:56:38',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,12,'','',0,238,'robots=\nauthor='),(8,'test','test','','<ul>\r\n<li><a href=\"http://montgomerycountytn.org/county/index.htm\" target=\"_blank\">Montgomery County Official Website</a> <br /> <br /> </li>\r\n<li><a href=\"http://www.cmcss.net/\" target=\"_blank\">Clarksville - Montgomery County School System</a> <br /> <br /> </li>\r\n<li><a href=\"http://www.cityofclarksville.com/\" target=\"_blank\">City of Clarksville Online </a><br /> <br /> </li>\r\n<li><a href=\"http://www.apsu.edu/\" target=\"_blank\">Austin Peay University </a></li>\r\n</ul>\r\n<ul>\r\n</ul>\r\n<p> </p>\r\n<p><span><span>Neighborhood</span></span></p>\r\n<p><strong> </strong>Area information page. If you’re intested in relocating to the  Clarksville-Montgomery County or surrounding areas, this page has many  resources so you can learn more about this beautiful area. If you have  any questions or concerns, please feel free to contact us.</p>\r\n<p>Areas of Interest</p>\r\n<ul>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/neighborhood.html#c\">Clarksville</a><br /> <br /> </li>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/neighborhood.html#mc\">Montgomery County</a><br /> <br /> </li>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/neighborhood.html#fc\">Ft. Campbell</a> <br /> <br /> </li>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/neighborhood.html#hc\">Houston County</a> <br /> <br /> </li>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/neighborhood.html#cc\">Christian County</a> </li>\r\n</ul>\r\n<p><strong><br /> </strong><span>----------------------------------------------------------------------------------------------------------</span><br /> <span>Cities</span><br /> <span>----------------------------------------------------------------------------------------------------------</span></p>\r\n<p><a name=\"c\"></a><span>Clarksville</span></p>\r\n<p>Situated in the rolling hills of Middle  Tennessee, Clarksville is one of the fastest growing cities in the  Southeast. From superior schools and health care to an abundance of  parks and recreational activities, Clarksville/Montgomery County offers  many opportunities for residents and visitors alike. In addition to its  recent ranking as America\'s 11th Best Golf City by Golf Digest,  Clarksville has also been named Best Place to Retire (Where to Retire),  38th Family-Friendly City (Reader\'s Digest), and 57th Best Place to Live  (Money Magazine). Home of Austin Peay State University and the famed  101st Airborne Division (Air Assault), along with its proximity to the  Land Between the Lakes Recreation Area and Nashville, Clarksville is the  Gateway to the New South™...a great place to live, work and enjoy!<br /> <br /> <strong><br /> <span>Population<br /> </span></strong><span>-----------------------------------------------------------------------------<br /> </span>As of 2005 the census estimate for <strong>Clarksville</strong><strong>, Tennessee </strong> estimated the population at 123,395. This thriving city is the fastest growing and fifth largest city in <strong>north-central Tennessee</strong>. Serving as a commerce hub for other rural counties in <strong>Tennessee </strong> and <strong>Kentucky</strong>, <strong>Clarksville </strong> is a dynamic and important economic city.</p>\r\n<p><strong><br /> <span>Climate<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Clarksville </strong> and <strong>north-central Tennessee </strong> are known for beautiful weather throughout the seasons.</p>\r\n<p>.The average winter high temperature is 48º, almost 7º higher than the national average.</p>\r\n<p>.The average winter low temperature is 24º, almost 3º higher than the national average,</p>\r\n<p>.The average summer high temperature is 90º</p>\r\n<p>.The average summer low is 63º</p>\r\n<p>.The average annual precipitation is 52 inches.</p>\r\n<p><strong><br /> <span>Education<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>The <strong>Clarksville-Montgomery County School System </strong> consists of seventeen elementary schools, one magnet K-5 school, six  middle schools, and six high schools educating 26,000 young adults and  children. To learn more about <strong>Clarksville-Montgomery </strong><strong> </strong>County schools, please visit their <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cmcss.net/\">site</a>.</p>\r\n<p><strong><br /> Jobs and Commerce<br /> </strong>-----------------------------------------------------------------------------<strong><br /> <span>Clarksville </span></strong><span> has an attractive labor and <strong>real estate </strong> market. Check this out about <strong>Clarksville</strong>:</span></p>\r\n<ul>\r\n<li>Top 100 <strong>Real Estate Markets</strong> - Money Magazine June 2005 <br /> <br /> </li>\r\n<li>4 th Best Place for Affordable Living- Business Development Outlook February 2005 <br /> <br /> </li>\r\n<li>Top Five Up &amp; Coming City for Attractive Creative Class Jobs (under 250,000 population) June 2004 <br /> <br /> </li>\r\n<li>Top Mid-Size Market Downtown- Southern Business &amp; Development Fall 2002 <br /> <br /> </li>\r\n<li>2002 All American City Finalist- National Civic League <br /> <br /> </li>\r\n<li>Top Catfishing Waters- Field &amp; Stream January 1999 <br /> <br /> </li>\r\n<li>90 th Best City for Business and Careers- Forbes Magazine May 2001 <br /> <br /> </li>\r\n<li>57 th Best Place to Live- Money Magzine <br /> <br /> </li>\r\n<li>38 th Family Friendly City- Reader\'s Digest</li>\r\n</ul>\r\n<p>One key reason in <strong>Clarksville</strong><strong>\'s </strong> financial and <strong>real estate </strong> boom is due to <strong>Fort </strong><strong>Campbell</strong>, generating over $2.5 billion a year, making the installation the largest employer in both <strong>Tennessee </strong><strong> </strong>and <strong>Kentucky</strong>.</p>\r\n<p>To learn more about <strong>Clarksville</strong><strong>\'s </strong>top employers, please click this <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://clarksville.tn.us/info-html/top_employers.html\">link</a>.</p>\r\n<p><strong><br /> <span>Parks and Recreation<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Clarksville </strong>has many beautiful park and outdoor facilities to enjoy the great <strong>Tennessee </strong> outdoors. Clarksville has many outdoor parks, offering sports and  playground equipment, picnic areas, and beautiful walking trails. To get  a full lowdown on the sports parks and other family parks and  recreational areas, please visit the <strong>Clarksville </strong><strong> </strong>Parks and Recreation information <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cityofclarksville.com/parks&amp;rec/\">page</a>.</p>\r\n<p><strong><br /> <span>City Links<br /> </span></strong><span>-----------------------------------------------------------------------------</span></p>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"188\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksvillechamber.com/\">Clarksville Chamber of Commerce </a></p>\r\n</td>\r\n<td width=\"183\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.customshousemuseum.org/\">Clarksville Customs House Museum and Cultural Center </a></p>\r\n</td>\r\n<td width=\"163\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.google.com/maps?hl=en&amp;lr=&amp;client=firefox-a&amp;rls=org.mozilla:en-US:official&amp;q=movie+theaters&amp;near=Clarksville,+TN&amp;sa=X&amp;oi=local&amp;ct=title\">Clarksville Movie Theaters </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"188\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cmcss.net/\">Clarksville-Montgomery School System </a></p>\r\n</td>\r\n<td width=\"183\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.roxyregionaltheatre.org/\">The Roxy Regional Theatre </a></p>\r\n</td>\r\n<td width=\"163\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.tnvacation.com/listing/nightlife/?region=2&amp;results=15\">Central Tennessee Nightlife </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"188\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://dinesite.com/city/city-16723/??&amp;t=0\">Restaurants in Clarksville </a></p>\r\n</td>\r\n<td width=\"163\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://governorssquare.net/home/index.ch2\">Governor\'s Square Mall </a></p>\r\n</td>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.daycare.com/MI-Clarksville\">Clarksville Daycare </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"163\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://radiostationworld.com/Locations/United_States_of_America/Tennessee/radio.asp?m=cla\">Clarksville Radio Stations </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cityofclarksville.com/transit\">Clarksville Transit System</a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://fsnhospitals.com/United-States/Tennessee-Hospitals/Clarksville-Hospitals\">Clarksville Hospitals </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"188\" valign=\"top\">\r\n<p>. <a href=\"http://cityofclarksville.com/parks&amp;rec/\">Clarksville Parks &amp; Recreation </a></p>\r\n</td>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksvilleairport.com/\">Clarksville Airport </a></p>\r\n</td>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.churchangel.com/WEBTN/clarksv.htm\">Clarksville Places of Worship </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"188\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cityofclarksville.com/\">Clarksville City Home Page </a></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<hr size=\"1\" noshade=\"noshade\" />\r\n<p><a name=\"fc\"></a><span>Fort Campbell</span></p>\r\n<p>Fort Campbell is the third largest army  installation in the United States. It is a renowned military  installation that is recognized by persons all over the world as a  Premier Post-Installation. The Installation straddles the  Tennessee-Kentucky Borders with two-thirds of the Installation lying  inside of the State of Tennessee which includes parts of the Montgomery  and Stewart Counties. One-third of the Installation lies in the State of  Kentucky and includes Christian and Trigg Counties. It is the Home of  the famed Screaming Eagles of the 101st Airborne Division (Air Assault),  the160th Special Operations Aviation Regiment, the 5th Special Forces  Group, Blanchfield Community Hospital, a supporting US Air Force  Detachment and other units (see the link –“Fort Campbell Kentucky,  Online).</p>\r\n<p>Fort Campbell is a city within itself, with  over 4000 homes, seven schools on the Base, the largest Army-AirForce  Exchange within Department of Defense, a Commissary to support the  installations and thousands of retirees within the area.</p>\r\n<p><strong><br /> <span>Education<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>The schools at <strong>Fort </strong><strong>Campbell </strong> educate over 4,700 children and young adults each year, taught by 375 teachers. Several <strong>Fort </strong><strong>Campbell </strong> schools have earned \" School of Excellence \" and \"Blue Ribbon School\" honors. The <strong>Fort </strong><strong>Campbell </strong> base has one high school, two middle schools, and five elementary schools. To learn more about the schools on <strong>Fort </strong><strong>Campbell</strong>, please visit their school site in the <strong>Fort </strong><strong>Campbell </strong> links section.</p>\r\n<p><strong><br /> <span>Parks and Recreation<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Fort Campbell </strong> has many gorgeous parks and outdoor areas for many kinds of fun under the sun!</p>\r\n<p>Some outdoor parks and recreational facilities include:</p>\r\n<ul>\r\n<li>Eagles Rest RV Park- Offers 25 sites, 30 and  50 amp electric hook ups and water hookups, a playground area, and  restroom/shower areas. <br /> <br /> </li>\r\n<li>Fletchers Fork Campground- offers 110 20  amp, 220 50 amp electrical hookups, sewer connections, water service,  and restroom/shower facilities. <br /> <br /> </li>\r\n<li>Trailer rentals <br /> <br /> </li>\r\n<li>Cabins and cottages for rent <br /> <br /> </li>\r\n<li>Four pavilions <br /> <br /> </li>\r\n<li>MicroGolf, bowling, hunting, paintball,  gyms, riding stables, swimming facilities, and more! To learn all about  the fun recreational activities <strong>Fort Campbell </strong> has to offer, please visit the <strong>Fort </strong><strong>Campbell </strong> MWR page located in the <strong>Fort </strong><strong>Campbell </strong> links section below.</li>\r\n</ul>\r\n<p><strong><br /> <span>Other Information<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Military relocation </strong> to <strong>Fort </strong><strong>Campbell </strong> can be one of the most important and rewarding moves your and your family will ever have to make. That\'s why to make your <strong>military relocation </strong> to the <strong>Fort Campbell </strong> area easier, we have provided links to official sites and services that  you and your family should visit when learning more about your military  relocation.</p>\r\n<p><strong>Fort Campbell Links <br /> </strong>-----------------------------------------------------------------------------</p>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"205\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.army.mil/services/Education/Pages/Education.aspx\"><br /> Fort Campbell Post Schools </a></p>\r\n</td>\r\n<td width=\"177\" valign=\"top\">\r\n<p><br /> <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commissaries.com/stores/html/store.cfm?dodaac=HQCCAM&amp;page=spotlig\">Fort Campbell Commissary </a></p>\r\n</td>\r\n<td width=\"146\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.screamingeagle.org/\"><br /> 101st Airborne Division Assoc.<br /> <br /> </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"205\" height=\"18\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.fortcampbellmwr.com\"><br /> Ft. Campbell Morale, Welfare, &amp; Recreation </a></p>\r\n</td>\r\n<td width=\"177\" valign=\"top\">\r\n<p><a href=\"https://www.fcfcu.org/\"><br /> Ft. Campbell Federal Credit Union </a></p>\r\n</td>\r\n<td width=\"146\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.fortcampbellcourier.com/\"><br /> Fort Campbell Courier </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"205\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.army.mil/campbell/directorates/DHR/Pages/transition\"><br /> Transition and Employment Assistance Management <br /> <br /> </a></p>\r\n</td>\r\n<td width=\"177\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.aafes.com/\"><br /> Army &amp; Air Force Exchange Service </a></p>\r\n</td>\r\n<td width=\"146\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.asmba.com/\"><br /> Armed Services Mutual Benefit Association </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"205\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.amedd.army.mil/\"><br /> Blanchfield Community Hospital </a></p>\r\n</td>\r\n<td width=\"146\" valign=\"top\">\r\n<p>.<br /> <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.armyfamiliesonline.org/skins/WBLO/home.aspx?mode=user\">Army Families Online </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"205\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.freewebs.com/fortcampbellosc/index.htm\"><br /> Fort Campbell Officers\' Spouses Club </a></p>\r\n</td>\r\n<td width=\"177\" valign=\"top\">\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://military-brats.com/\"><br /> Military Brats- Find friends, connect, reunite </a></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<p> </p>\r\n<p><span>------------------------------------------------------------------------------------------------------------</span><br /> <span>Counties</span><br /> <span>------------------------------------------------------------------------------------------------------------</span></p>\r\n<p><a name=\"mc\"></a><span>Montgomery </span></p>\r\n<p>If you\'re interested <strong>Montgomery </strong><strong>County </strong><strong> real estate </strong> because of <strong>military relocation </strong>or to buy <strong>Montgomery </strong><strong>County </strong><strong> real estate</strong>, this area is an excellent place to raise a family. <strong>Montgomery </strong><strong>County </strong> offers many cultural, educational, and job opportunities for you and your family. Whether for work or play, you\'ll discover <strong>Montgomery </strong><strong>County </strong> is the place to stay.</p>\r\n<p><strong><br /> <span>History<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Montgomery County </strong> was named after John Montgomery. He founded the city <strong>Clarksville </strong> in <strong>Montgomery </strong><strong>County </strong> in the late 1700s. <strong>Montgomery </strong><strong>County </strong> at first was organized as Tennessee County, North Carolina. When  Tennessee was admitted as a state in 1796, the county was renamed after  John Montgomery.</p>\r\n<p><strong><br /> <span>Location<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>Located in <strong>north-central Tennessee</strong>, <strong>Montgomery </strong><strong>County </strong> is bordered by several other counties. The bordering counties include:</p>\r\n<p>. <strong>Robertson, County</strong>, Tennessee (east)</p>\r\n<p>. <strong>Cheatham County</strong>, Tennessee (southeast)</p>\r\n<p>. <strong>Dickson County</strong>, Tennessee (south)</p>\r\n<p>. <strong>Houston County</strong>, Tennessee (southwest)</p>\r\n<p>. <strong>Stewart County</strong>, Tennessee (west)</p>\r\n<p>. <strong>Christian </strong><strong>County</strong>, Kentucky (north)</p>\r\n<p>. <strong>Todd County</strong>, Kentucky (northeast)</p>\r\n<p><strong><br /> <span>Population</span></strong><span><br /> -----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>When looking for <strong>Montgomery real estate </strong> or <strong>military relocation</strong>, its important to know that as of the 2000 census, <strong>Montgomery </strong><strong>County </strong> has a population of 134,768. The chart below shows the estimated population for both 2005 and 2010.</p>\r\n<p><strong><br /> <span>Montgomery </span></strong><span><strong>County<br /> </strong>-----------------------------------------------------------------------------</span></p>\r\n<table style=\"width: 526px;\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"73\">\r\n<p> </p>\r\n</td>\r\n<td width=\"92\">\r\n<p align=\"center\">2010 Projection</p>\r\n</td>\r\n<td width=\"85\">\r\n<p align=\"center\">2005 Estimate</p>\r\n</td>\r\n<td width=\"86\">\r\n<p align=\"center\">2000 Census</p>\r\n</td>\r\n<td width=\"81\">\r\n<p align=\"center\">1990 Census</p>\r\n</td>\r\n<td width=\"95\">\r\n<p align=\"center\">Growth 1990-2000</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td height=\"33\">\r\n<p>Population</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">155,068</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">144,602</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">134,768</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">100,496</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">34.10%</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td height=\"37\">\r\n<p>Households</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">55,813</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">51,975</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">48,330</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">34,344</p>\r\n</td>\r\n<td>\r\n<p align=\"center\">40.72%</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p><strong><br /> <span>Jobs, Economy, and Commerce<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>For those interested in <strong>military relocation </strong> or <strong>Montgomery </strong><strong>County real estate</strong>, <strong>Clarksville-Montgomery County</strong>,  Tenn. is an attractive city to businesses around the world.  Corporations based in Japan, Australia, Germany, Italy, Canada and more  have made the move and expanded their operations in Clarksville. With  nearly 3,000 available acres ready for development, the list of  international and domestic business that call <strong>Clarksville </strong> home is ever expanding.</p>\r\n<p>Employers tell us that the discipline and  productivity of the workforce here is unlike anywhere else. A labor  pool, largely comprised of 400-500 separating <strong>Fort </strong><strong>Campbell </strong> soldiers every month, provides a work ethic, leadership, initiative,  and skill-set that is a rare find. An additional 800 annual <strong>Austin Peay State University </strong> graduates contribute to an excellence in quantity and quality of an unmatched labor pool.</p>\r\n<p><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.tn.us/wps-html/AboutClarksville/Location/\">Location </a> is also a major advantage to doing business in <strong>Clarksville</strong>.  We\'re located on I-24 just 40 minutes NW of Nashville, and  approximately 250 miles from the population center of the United States .  We are within a day\'s drive from 76% of major U.S. cities.</p>\r\n<p>Available land with interstate access. Highly  skilled available workforce. Location with interstate, river, and rail. A  high quality of life with a low cost of living... just a few of the  reasons, businesses and individuals enjoy calling <strong>Clarksville </strong> home.* Courtesy of <strong>Clarksville Tennessee </strong> official site.</p>\r\n<p>The median household income for <strong>Montgomery </strong><strong>County </strong> as of the 2000 census is $38,981. The per capita personal income was $25,689, an increase of 24% from 1997.</p>\r\n<p>For a complete listing of the major <strong>Montgomery </strong> employers, please visit <strong><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.tn.us/info-html/top_employers.html\" target=\"_blank\">Clarksville/Montgomery Major Employers </a></strong></p>\r\n<p><strong><br /> <span>Parks and Recreation<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>The <strong>Montgomery County </strong> parks and recreation department maintains a number of parks and outdoor  facilities for you and your family. Whether it\'s a picnic, fishing,  golfing, playgrounds, or just enjoying the beautiful natural splendor of  <strong>Montgomery County </strong>, come see what we have in store for you.</p>\r\n<p>To view a complete listing of all the Parks in <strong>Montgomery </strong><strong>County </strong><strong>, </strong> please visit the Parks and Recreation <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.montgomerycountytn.org/county/parks/mcpr_web_page_2000.htm\">website</a>.  With so many parks to choose from, including St. Bethlehem/Civitan  Park, Woodlawn Park , South Guthrie Community Center , Rotary Park , and  a number of youth and adult athletic programs, you\'ll be sure to find  the perfect outdoor activities. When considering <strong>Montgomery </strong><strong>County </strong><strong> real estate </strong> or <strong>military relocation</strong>, knowing about the beautiful scenery is a must!</p>\r\n<p><strong><br /> <span>Education<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>The <strong>Clarksville-Montgomery County School System </strong> has 24,359 young and eager minds being taught by 1,559 teachers from grades Pre-Kindergarten to twelfth grade. <strong>Clarkesville-Montgomery County School System </strong> also offers a district-wide technology program that integrates  educational technology into the classroom. Few school boards are as  technologically advanced as the <strong>Clarksville-Montgomery County School System </strong>.  The district also offers other electronically produced scholastic  programs, such as yearbooks, computerized report cards, and accelerated  reading and math programs.</p>\r\n<p><em>Click any link below to learn more about the <strong><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.cmcss.net/\">Clarksville-Montgomery County School System</a></strong></em></p>\r\n<p>Links to schools in the <strong>Clarksville-Montgomery County School System</strong>:</p>\r\n<ul>\r\n<li><a href=\"http://www.cmcss.net/schools/pages/elementary.asp\">Elementary Schools</a></li>\r\n<li><a href=\"http://www.cmcss.net/schools/pages/middle.asp\">Middle Schools</a></li>\r\n<li><a href=\"http://www.cmcss.net/schools/pages/high.asp\">High Schools</a><em><br /> </em><em><br /> </em></li>\r\n</ul>\r\n<p><strong>Other Institutions of learning in the area include: </strong></p>\r\n<ul>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.k-12.state.tn.us/SDE/CreateSchoolList.asp?district_bu_id=5477&amp;status=A\">Montgomery County Private Schools </a></li>\r\n<li><a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.apsu.edu/\">Austin Peay University </a></li>\r\n</ul>\r\n<p><strong><br /> <span>County </span></strong><span><strong>Links <br /> </strong>-----------------------------------------------------------------------------</span></p>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.montgomerycountytn.org/county/index.htm\">Official Montgomery Website </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://theleafchronicle.com/apps/pbcs.dll/frontpage\">The Leaf Chronicle </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.montgomerycountytn.org/county/parks/mcpr_web_page_2000.htm\">Montgomery County Parks &amp; Recreation </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.wjzm.com/\">WJZM 1400 AM Sports Radio </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://mchsociety.org/\">Montgomery County Historical Society </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksvillechamber.com/\">Clarksville Chamber of Commerce </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.army.mil/Pages/CampHome.aspx\">Fort Campbell Ky </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.hometownlocator.com/DisplayCountyFeatures.cfm?FeatureType=church&amp;SCFIPS=47125\">Montgomery County Places of Worship </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.tn.us/wps-html/VisitorInfo/\">Clarksville-Montgomery Visitors Info </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.tn.us/info-html/where_to_shop.html\">Where to Shop in Clarksville-Montgomery </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.org/\">Clarksville-Montgomery Libraries </a></p>\r\n</td>\r\n<td width=\"255\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.clarksville.tn.us/info-html/where_to_eat.html\">Clarksville-Montgomery Dining </a></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p><br /> <br /></p>\r\n<hr size=\"1\" noshade=\"noshade\" />\r\n<p><a name=\"hc\"></a><span>Houston County, Tennessee </span></p>\r\n<p>In the heart of Tennessee\'s natural beauty and by the Tennessee River, <strong>Houston </strong><strong>County </strong> is a place to get away from the hubbub of city life. Erin, the county  seat, has many unique shops including antiques and an old-fashioned flea  market. When thinking about <strong>Houston </strong><strong>County real estate </strong> or <strong>military relocation</strong>, know that Houston County has some of the best views of nature in Middle America.</p>\r\n<p><strong><br /> <span>Population &amp; Other General Information<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>Named after Sam Houston of the Alamo fame, <strong>Houston County </strong>as  of the 2000 U.S. Census has a population of 8,088.This included 3,216  households, and 2,299 families. The population density was forty people  per square mile. The per capita income for the county was $15,614. The <strong>Houston </strong><strong>County </strong> seat is located is Erin, and another town is Tennessee Ridge, with a population of 1,334 as of the 2000 U.S. census.</p>\r\n<p><strong><br /> <span>Jobs &amp; Commerce<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>Major industries offering employment in <strong>Houston County </strong> include manufacturing (29.4%), education, health, and social services  (18.7%), Construction (10.7%), Transportation, warehousing, and  utilities (10.2%). Agriculture and farming also plays a significant role  in <strong>Houston </strong><strong>County </strong>. The average size of <strong>Houston </strong><strong>County </strong><strong> real estate </strong> farms is 145 acres.</p>\r\n<p><strong><br /> <span>Education<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>For more information on <strong>Houston County\'s </strong> fabulous schools please visit the official <strong>Houston </strong><strong>County </strong> Board of Education link below.</p>\r\n<p><strong><br /> <span>Parks &amp; Recreation<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>Parks near Erin include Montgomery Bell State Park, Paris Landing State Park, Betsy Ligon Park, and Walking Trail.</p>\r\n<p><strong><br /> <span>County </span></strong><span><strong>Links<br /> </strong>-----------------------------------------------------------------------------</span></p>\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://houston.k12.tn.us/hcboe/\">Houston County Board of Education</a>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.erintennessee.com/\">Erin Tennessee Official Site </a></p>\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.houstoncochamber.com/\">Houston County Chamber of Commerce</a>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.rootsweb.com/%7Etnhousto/\">Houston County Genealogy </a></p>\r\n<hr size=\"1\" noshade=\"noshade\" />\r\n<p><a name=\"cc\"></a><span>Christian County, Kentucky</span></p>\r\n<p>When faced with <strong>military relocation </strong> or interested in <strong>Christian </strong><strong>County real estate </strong>, <strong>Christian </strong><strong>County </strong> is just a short distance from <strong>Fort </strong><strong>Campbell </strong> and the Tennessee border, we make <strong>military relocating </strong> to or from <strong>Christian County </strong> a smooth and easy process for you and your family.</p>\r\n<p><strong><br /> <span>Major </span></strong><span><strong>Towns and Cities<br /> </strong><span>-----------------------------------------------------------------------------</span></span></p>\r\n<table style=\"width: 461px;\" border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"167\" height=\"22\" valign=\"top\">\r\n<p>. Crofton</p>\r\n</td>\r\n<td width=\"165\" valign=\"top\">\r\n<p>. Hopkinsville</p>\r\n</td>\r\n<td width=\"176\" valign=\"top\">\r\n<p>. Oak Grove</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"167\" height=\"26\" valign=\"top\">\r\n<p>. Fort Campbell North</p>\r\n</td>\r\n<td width=\"165\" valign=\"top\">\r\n<p>. Lafayette</p>\r\n</td>\r\n<td width=\"176\" valign=\"top\">\r\n<p>. Pembroke</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>The <strong>Christian county </strong> seat is located in <strong>Hopkinsville </strong>; with a population of over 30,000.The National Strategy Group listed <strong>Hopkinsville </strong> as one of the best places to live in the U.S. Reader\'s Digest ranked  Hopkinsville in its 50 best places to raise a family. Mobility Magazine  ranked the <strong>Hopkinsville </strong> area in <strong>Christian </strong><strong>County </strong> the 15 th best place to relocate of small market cities. Places Rated Almanac ranked <strong>Hopkinsville </strong> as the least expensive area to live out of 354 metropolitan areas.</p>\r\n<p><strong>Fort Campbell North </strong> contains most of the housing for the <strong>Fort </strong><strong>Campbell </strong> Army base. The base had a population of 14,338 as of the 2000 census. Lying on the border between <strong>Hopkinsville </strong> and <strong>Clarksville </strong>, <strong>Ft. </strong><strong>Campbell </strong> is just a short distance from two thriving urban areas. <strong>Fort </strong><strong>Campbell </strong> is the third largest military population in the Army and the seventh  largest in the Department of Defense. For more information on <strong>Fort Campbell </strong>, please visit our section on <strong>Fort Campbell </strong> in our area information page, we also have the official military website in the <strong>Christian County </strong> links below.</p>\r\n<p><strong><br /> <span>History<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Christian County </strong> is named  after Revolutionary War hero Colonel William Christian who first settled  near Louisville, Kentucky. Other notables born in <strong>Christian </strong><strong>County </strong> include Jefferson Davis, former president of the Confederate States of America, and former Vice President Adlai Stevenson.</p>\r\n<p><strong><br /> <span>Population<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>When looking into <strong>military relocation </strong> or <strong>Christian County real estate</strong>, that as of the 2000 U.S. census there were 72,265 people living in <strong>Christian County</strong>. The chart below indicated the population growth of <strong>Christian County </strong> over the past five decades.</p>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>2000 </strong> 72,265</p>\r\n</td>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>1990 </strong> 68,941</p>\r\n</td>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>1980 </strong> 66,878</p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>1970 </strong> 56,224</p>\r\n</td>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>1960 </strong> 56,904</p>\r\n</td>\r\n<td width=\"197\" valign=\"top\">\r\n<p><strong>1950 </strong> 42,359</p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>In <strong>Christian </strong><strong>County</strong>, there are 24,857 households including 18,344 families. The population density is 100 people per square mile.</p>\r\n<p><strong><br /> <span>Jobs and Commerce<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>In 2002 the per capita personal income in <strong>Christian County </strong> was $23,444, an increase of almost 34% from 1997. <strong>Christian </strong><strong>County</strong><strong>\'s </strong> major economic sector is manufacturing, with nearly 30% of the  workforce employed in manufacturing. Major manufacturing areas include  the Hopkinsville Industrial Park, home to American and International  companies such as Dana Corporation, Meritor, Freudenberg, Grupo Antolin,  and Comefri. Commerce Park is home to companies such as Siemer Milling,  a major wheat flour milling company, ThyssenKrupp, Sun Chemical, Amfine  Chemical and TGASK, and T. RAD North America. South Park is a major  distribution center for Wal-Mart.</p>\r\n<p>In addition, <strong>Christian </strong><strong>County </strong> is home to <strong>Ft. Campbell </strong>, one of the largest military bases in the county and a crucial component in the local economies of both <strong>Tennessee </strong><strong> </strong>and <strong>Kentucky </strong>.</p>\r\n<p>For more information on <strong>Hopkinsville-Christian </strong><strong>County </strong> major employers, please visit this <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commercecenter.org/edc/local_industries.asp\">site</a>.</p>\r\n<p><strong><br /> <span>Parks and Recreation<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span></strong>The Don F. Pratt Memorial Museum chronicles the history of <strong>Fort Campbell </strong> and the 101 st Airborne Division. The Janice Mason Art Museum is  located in nearby Cadiz, Kentucky, for those looking to learn more about  art &amp; culture. To learn more about fine arts and entertainment,  please visit this <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commercecenter.org/visitors/arts_entertainment.asp\">site</a>. Parks in <strong>Christian </strong><strong>County </strong> include the Land Between the Lakes National Recreation Area, Pennyrille  Forest State Resort Park, Lake Barkley State Resort Park , Cherokee  Trail of Tears Park, and other city parks. For more information to learn  about <strong>Christian </strong><strong>County </strong> area parks &amp; recreational facilities, please visit this <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commercecenter.org/visitors/parks.asp\">site</a>.</p>\r\n<p><strong><br /> <span>Education<br /> </span></strong><span>-----------------------------------------------------------------------------</span><strong><span><br /> </span>Christian County School District </strong> has eleven elementary schools serving children from kindergarten  through fifth grade, three middle schools, and two high schools. In  addition, the district offers an adult career and technical center, one  alternative school, an optional high school, an adult education program,  and a pre-school center. For a comprehensive list and links to these  wonderful <strong>Christian </strong><strong>County </strong> schools, please click this <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christian.k12.ky.us/index.php?option=com_content&amp;task=view&amp;id=34&amp;Itemid=53\">link </a>. In addition to these public schools, <strong>Hopkinsville </strong> also has a community college. Please visit their official site located  in the County links to find out more about this post-secondary  educational facility.</p>\r\n<p><strong><br /> <span>County </span></strong><span><strong>Links<br /> </strong>-----------------------------------------------------------------------------</span></p>\r\n<table border=\"0\" cellspacing=\"0\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christiancounty.org/\">Christian County Official Site </a></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://hccpl.org/\">Hopkinsville Public Library </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commercecenter.org/\">Hopkinsville-Christian Chamber of Commerce </a><strong> </strong></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://local.yahoo.com/results;_ylt=AsExMyHdX.mCyxJRYjbMYwiHNcIF;_ylu=X3oDMTBtbGZ2dXFpBF9zAzk2NjEzNzY3BHNlYwNzZWFyY2g-?stx=Retail+Shopping&amp;csz=Hopkinsville,+KY&amp;fr=\">Christian County Shopping </a><strong> </strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.army.mil/newinternet/main.asp\">Fort Campbell Kentucky Army Page </a></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.commercecenter.org/visitors/attractions.asp\">Christian County Points of Interest </a><strong> </strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christiancounty.org/calendar.asp\">Christian County Event Calendar </a></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.restaurantlistings.com/restaurants/KY_christiancounty.html\">Christian County Restaurants </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christiancounty.org/bigbrothersbigsisters/\">Christian County Big Brothers Big Sisters </a><strong> </strong></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://yellowpages.aol.com/places-of-worship/all-places-of-worship/ky/hopkinsville/\">Christian County-Hopkinsville Places of Worship </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.peadd.org/Default.aspx\">Pennyrile Area Development District </a><strong> </strong></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christian.k12.ky.us/\">Christian County Public Schools </a><strong> </strong></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.christiancounty.org/habitat/\">Christian County Habitat for Humanity </a><strong> </strong></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.hopcc.kctcs.edu/index1.htm\">Hopkinsville Community College </a></p>\r\n</td>\r\n</tr>\r\n<tr>\r\n<td width=\"275\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.campbell.army.mil/pratt/\">Don F. Pratt Memorial Museum </a><strong> </strong></p>\r\n</td>\r\n<td width=\"257\" valign=\"top\">\r\n<p>. <a href=\"http://www.clarksvillehomesearch.com/linkout/o.php?out=http://www.jmam.org/\">Janice Mason Art Museum </a><strong> </strong></p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>','',0,0,0,0,'2011-05-23 01:49:05',62,'','2011-05-23 02:02:19',62,0,'0000-00-00 00:00:00','2011-05-23 01:49:05','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',2,0,2,'','',0,0,'robots=\nauthor='),(9,'Local Overview','local-overview','','<h2>Clarksville, TN</h2>\r\n<hr />\r\n<p>Situated in the rolling  hills of Middle Tennessee, Clarksville is one of the fastest growing  cities in the Southeast. With a heritage spanning more than 200 years,  Clarksville-Montgomery County continues to grow and adapt, becoming the  state’s fifth largest city. Both visitors and residents enjoy the shops  and eateries of downtown Clarksville and with its brick sidewalks, tree  lined streets, decorative lighting and park benches, the historic area  is drawing new attention.</p>\r\n<p>Also emerging is  Clarksville’s revitalized and thriving riverfront district. Area leaders  are continuously working to build on the community’s strengths with the  vision of a vibrant, prosperous future. From history and heritage to  majestic waterways and fun-filled attractions, visitors have plenty of  options in Clarksville-Montgomery County. For a complete listing of  activities, call (800) 530-2487 or visit www.clarksville.tn.us.</p>\r\n<p><strong>Location and Climate</strong></p>\r\n<p>Clarksville, Tenn. is nestled on the banks of the Cumberland and Red Rivers, 45 miles northwest of Nashville, Tenn.  Located  just off Interstate 24, Clarksville is the first city south of the  Mason-Dixon Line, and with a population of more than 100,000,  Clarksville is the Gateway to the New South. Clarksville enjoys a mild  southern climate with four distinct seasons. The average annual  temperature is 57.4 degrees with an average annual of 50.75 inches of  rain and occasional snowfall.</p>\r\n<p><strong>Economy</strong></p>\r\n<p>Over the past ten  years, Clarksville employment has surged with strong growth in services,  construction, government, agriculture and retail.  In  2005, Clarksville was ranked 20th in the Milken Institute “Best  Performing Cities 2005: Where America’s Jobs Are Created and Sustained.”  Overall, Clarksville-Montgomery County maintains a very healthy economy  and plans for steady future growth.</p>\r\n<p><strong>Education </strong></p>\r\n<p>The  Clarksville-Montgomery County School System was recognized in the top 10  percent of the nation’s schools meeting parental goals. They also  received the Governor’s “A+ Award for Excellence in Education,” in  recognition of strong curriculum and teaching, low drop-out rates,  active adult education, parental involvement programs and school-to-work  initiatives. For parents seeking an alternative to the traditional  school system, Clarksville offers several private, religious and secular  schools. Clarksville business and technical schools offer students the  opportunity to seek positions in the service industry or they can  provide additional training to those already established in their  careers. For upper education in Clarksville, students can live at home  while attending Austin Peay State University. What initially began as a  teaching school with only 158 students is now the educational and  cultural hub of Clarksville, with a current enrollment of more than  8,800 students.</p>\r\n<p><strong>Healthcare</strong></p>\r\n<p>Gateway Health System  offers programs, services and facilities to residents of northern  Tennessee and southern Kentucky. Employing more than 1,200 professionals  and 150 physicians on its medical staff, Gateway is a fully-accredited  206-bed medical center. The facility provides numerous state-of-the art  services including cancer care, cardiac care, magnetic resonance  imagining, respiratory care, surgery, critical care, sub-acute care,  rehabilitation and emergency services.  Gateway Health System is accredited by the Joint Commission on Accreditation of Healthcare Organizations.</p>\r\n<p><strong>Recreation</strong></p>\r\n<p>Both the City of  Clarksville and Montgomery County each operate a Parks and Recreation  Department, providing and maintaining more than 500 acres in 23  community parks. Facility amenities include playgrounds, picnic areas,  walking trails and pavilions. Several of the parks also feature  restrooms, open play areas, basketball courts and ball fields.  With  the Cumberland and Red Rivers lining the city, activities such as  boating, water skiing, jet skiing and fishing are enjoyed by both  visitors and residents. Clarksville is also a golfer’s paradise.  Clarksville’s four public courses—Eastland Green, Swan Lake, Mason  Rudolph and Cole Park—each offer beautiful greens at affordable prices.  It’s no wonder Clarksville was ranked by Golf Digest as the 11th “Best  City in the U.S. for Public Golf.”</p>\r\n<p><strong>Arts and Attractions </strong></p>\r\n<p>Beachaven Vineyards and Winery <br />1100 Dunlop Lane  <br />Enjoy  free tours and tasting at one of Tennessee’s foremost commercial  wineries. Known for producing award-winning wines and champagnes,  Beachaven provides a glimpse into the centuries-old art of wine making. A  picturesque Tudor-style building, on-site vineyards, distinctive gift  items and a shaded picnic area make Beachaven a delightful and memorable  destination. During the summer months, Beachhaven hosts “Jazz on the  Lawn,” a series of free concerts on alternating Saturday nights. For  more information, call (931) 645-8867 or visit www.beachavenwinery.com.</p>\r\n<p>Customs House Museum and Cultural Center <br />200 S. 2nd St.  <br />Built  in 1898 as a U.S. Post Office and Customs House for the flourishing  tobacco trade, this architecturally fascinating structure is among the  most photographed buildings in Tennessee. The state’s second largest  general history museum, the museum features rotating shows, fine art  galleries, and a sculpture garden, along with permanent exhibits, and  the Explorer’s Floor—a special area for the entire family to solve  puzzles and play games. For more information, call (931) 648-5780.</p>\r\n<p>Cumberland RiverWalk <br />McGregor Park, Riverside Drive <br />Stroll  the meandering Cumberland RiverWalk, the city’s signature riverfront  promenade. The internationally acclaimed RiverWalk is the centerpiece of  the River District and includes an amphitheater, overlook plazas, a  playground, picnic facilities, wharf, boat ramp, pedestrian overpass and  performance stages. For more information, call (931) 645-7476.</p>\r\n<p>Historic Collinsville  <br />4711 Weakley Road <br />A  living-history museum featuring 15 restored log homes and outbuildings,  historic Collinsville is situated on 40 rolling acres with picnic areas  and walking trails. Structures date from 1830 to 1870 and all include  authentic furnishings. For more information, call (931) 648-9141.</p>\r\n<p>Dunbar Cave State Natural Area <br />401 Old Dunbar Cave Road <br />Dunbar  Cave State Natural Area is open every day, 8 a.m. until sunset.  Periodic programs are conducted by the park staff, along with guided  tours of the cave and slide shows. The park also offers picnic tables,  hiking trails and fishing. For more information, call (931) 648-5526.</p>\r\n<p>Roxy Regional Theatre <br />100 Franklin St.  <br />The Roxy Regional Theatre, Clarksville’s oldest professional theatre, offers patrons a combination  of professional company shows and community offerings. Housed in a 1947  modern-art theatre, the Roxy produces ten main-stage events annually.  The Roxy’s “Other Space” produces four new scripts a year in its 40-seat  black-box theatre.</p>\r\n<p><strong>Shopping </strong></p>\r\n<p>Clarksville  provides residents and visitors with a variety of shopping options. For  those seeking a traditional shopping experience, Governor’s Square Mall  features department stores as well as smaller specialty shops. Shoppers  looking for more unique items will enjoy historic downtown Franklin  Street.</p>\r\n<h2>\r\n<hr />\r\n</h2>\r\n<h2>Fort Campbell,KY</h2>\r\n<p>Fort Campbell is located between CLARKSVILLE, TN AND HOPKINSVILLE,  KY, EXIT 86 OFF I-24. The nearest large city is Nashville, TN, 55 miles  and Louisville, KY 190 miles.  Fort Campbell supports the 3rd largest  military population in the Army and the 7th largest in the Department of  Defense. Active duty officers-1,884; active duty enlisted- 20,511;  family members-40,491; retirees-112,629; civilian employees-3,921. Army  Reserve &amp; National Guard 18,166.  At 164 square miles (105,068  Acres), the installation is one of the largest in the world.</p>\r\n<p>Fort Campbell is a city within itself. There are 4,000 homes on  the installation, providing housing for officers, enlisted soldiers, and  their families. It has seven schools (including a high school), a major  hospital, child care facilities, numerous chapels, banks, restaurants,  post exchanges, service stations, campgrounds, five swimming pools, and  most other facilities a civilian city of that size would have.</p>\r\n<p>Fort Campbell\'s primary mission is to advance the combat  readiness of the 101st Airborne Division (Air Assault) and the  non-divisional units posted at the installation through training,  mobilization, and deployment.</p>\r\n<p><strong><br />Education</strong><br /><br />The schools at Fort Campbell educate over 4,700 children and young adults each year, taught by 375 teachers. Several Fort Campbell schools have earned \" School of Excellence \" and \"Blue Ribbon School\" honors. The Fort Campbell base has one high school, two middle schools, and five elementary schools. There are many great schools and institutions adjacent and around  Fort Campbell.</p>\r\n<hr />\r\n<p><a href=\"index.php/contact-info.html\" title=\"Jimmie Van Hooser REALTOR® Contact\"><img src=\"images/stories/contact-me-icon.jpg\" border=\"0\" alt=\"Contact Jimmie Van Hooser Realtor\" title=\"Contact Jimmie Van Hooser Realtor\" width=\"174\" height=\"176\" style=\"float: left; border: 0pt none; margin: 5px;\" /></a></p>\r\n<h2><a href=\"index.php/contact-info.html\" title=\"Jimmie Van Hooser REALTOR® Contact\">Please Contact Me for information for other areas, cities or counties. I will be happy to send you a Information Packages.</a></h2>\r\n<p>Serving Areas Including : Clarksville, Fort Campbell, Saint Bethlehem, Sango,Woodlawn<strong>,</strong> Oak Grove, Adams,Dover, Coopertown,  Plesant View, Springfield,  Chapmansboro, Hendersonville, Ashland City,  Erin,Tennessee Ridge, and  Dickson.</p>\r\n<p>Serving Counties Including: Cheatham County, Dickson County, Houston  County, Montgomery County, Robertson County ,Stewart County, Sumner  County,Todd &amp; Christian Counties in Kentucky</p>\r\n<p> </p>','',1,2,0,16,'2011-05-23 14:46:17',62,'','2011-05-23 15:43:48',62,0,'0000-00-00 00:00:00','2011-05-23 14:46:17','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',10,0,1,'','',0,649,'robots=\nauthor='),(10,'Mortgage Calculator','mortgage-calculator','','<h3>Here is a Simple Mortgage Calculator</h3>\r\n<p>This <em>mortgage calculator</em> can be used to figure out and estimate monthly  payments of a home mortgage loan, based on the home\'s sale price, the  term of the loan desired.</p>\r\n<table style=\"width: 521px; height: 40px;\" border=\"0\">\r\n<tbody>\r\n<tr>\r\n<td><img src=\"images/stories/online-mortgage-calculator.jpg\" border=\"0\" style=\"float: left;\" /></td>\r\n<td style=\"text-align: left;\">{loadposition mortcalc}</td>\r\n</tr>\r\n<tr>\r\n<td></td>\r\n<td></td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Specialty Mortgages: Risks and Rewards</strong></p>\r\n<p> </p>\r\n<p>In high-priced housing markets, it can be difficult to afford a home.  That’s why a growing number of home buyers are forgoing traditional  fixed-rate mortgages and standard adjustable-rate mortgages and instead  opting for a specialty mortgage that lets them “stretch” their income so  they can qualify for a larger loan.</p>\r\n<p> </p>\r\n<p>But before you choose one of these mortgages, make sure you understand the risks and how they work.</p>\r\n<p> </p>\r\n<p>Specialty mortgages often begin with a low introductory interest rate  or payment plan — a “teaser”— but the monthly mortgage payments are  likely to increase a lot in the future. Some are “low documentation”  mortgages that come with easier standards for qualifying, but also  higher interest rates or higher fees. Some lenders will loan you 100  percent or more of the home’s value, but these mortgages can present a  big financial risk if the value of the house drops.</p>\r\n<p> </p>\r\n<p><strong>Specialty Mortgages Can:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Pose a greater risk that you won’t be able to afford the mortgage  payment in the future, compared to fixed rate mortgages and traditional  adjustable rate mortgages.</li>\r\n<li>Have monthly payments that increase by as much <strong>as 50 percent or more </strong>when the introductory period ends.</li>\r\n<li>Cause your loan balance (the amount you still owe) to get larger each month instead of smaller.</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Common Types of Specialty Mortgages:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Interest-Only Mortgages: </strong>Your monthly mortgage  payment only covers the interest you owe on the loan for the first 5 to  10 years of the loan, and you pay nothing to reduce the total amount you  borrowed (this is called the “principal”). After the interest-only  period, you start paying higher monthly payments that cover both the  interest and principal that must be repaid over the remaining term of  the loan.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Negative Amortization Mortgages: </strong>Your monthly  payment is less than the amount of interest you owe on the loan. The  unpaid interest gets added to the loan’s principal amount, causing the  total amount you owe to increase each month instead of getting smaller.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Option Payment ARM Mortgages: </strong>You have the option  to make different types of monthly payments with this mortgage. For  example, you may make a minimum payment that is less than the amount  needed to cover the interest and increases the total amount of your  loan; an interest-only payment, or payments calculated to pay off the  loan over either 30 years or 15 years.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>40-Year Mortgages: </strong>You pay off your loan over 40  years, instead of the usual 30 years. While this reduces your monthly  payment and helps you qualify to buy a home, you pay off the balance of  your loan much more slowly and end up paying much more interest. </li>\r\n</ul>\r\n<p> </p>\r\n<p><strong>Questions to Consider Before Choosing a Specialty Mortgage:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>How much can my monthly payments increase and how soon can these increases happen?</li>\r\n<li>Do I expect my income to increase or do I expect to move before my payments go up?</li>\r\n<li>Will I be able to afford the mortgage when the payments increase?</li>\r\n<li>Am I paying down my loan balance each month, or is it staying the same or even increasing?</li>\r\n<li>Will I have to pay a penalty if I refinance my mortgage or sell my house?</li>\r\n<li>What is my goal in buying this property? Am I considering a riskier  mortgage to buy a more expensive house than I can realistically afford?</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p>Be sure you work with a REALTOR® and lender who can discuss different options and address your questions and concerns!</p>\r\n<p> </p>\r\n<p><em>Learn about the</em><em> NATIONAL ASSOCIATION OF REALTORS® Housing Opportunity Program at <a href=\"http://www.realtors.org/housingopportunity\">www.REALTOR.org/housingopportunity</a>.</em><em> For more information on predatory mortgage lending practices, visit the Center for Responsible Lending at <span style=\"text-decoration: underline;\">www.responsiblelending.org</span>.</em></p>','',1,2,0,17,'2011-05-25 18:16:08',62,'','2011-05-25 18:42:26',62,0,'0000-00-00 00:00:00','2011-05-25 18:16:08','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',6,0,1,'','',0,679,'robots=\nauthor='),(11,'Common First-Time Home Buyer Mistakes','common-first-time-home-buyer-mistakes','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Common First-Time Home Buyer Mistakes</strong></h3>\r\n<p>1. They don’t ask enough questions of their lender and end up missing out on the best deal.<br /> <br /> 2. They don’t act quickly enough to make a decision and someone else buys the house. <br /> <br /> 3. They don’t find the right agent who’s willing to help them through the homebuying process.<br /> <br /> 4. They don’t do enough to make their offer look appealing to a seller. <br /> <br /> 5. They don’t think about resale <em>before</em> they buy. The average first-time buyer only stays in a home for four years.<br /> <br /> <em>Source: Real Estate Checklists and Systems, </em><em><a href=\"http://www.realestatechecklists.com/\" target=\"new\">www.realestatechecklists.com</a>.</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 22:58:24',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 22:58:24','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,34,'','',0,218,'robots=\nauthor='),(12,'Lender Checklist: What You Need for a Mortgage','lender-checklist-what-you-need-for-a-mortgage','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Lender Checklist: What You Need for a Mortgage</strong></h3>\r\n<p> </p>\r\n<p>□         W-2 forms — or business tax return forms if you\'re self-employed — for the last two or three years for every</p>\r\n<p>person signing the loan.</p>\r\n<p> </p>\r\n<p>□         Copies of at least one pay stub for each person signing the loan.</p>\r\n<p> </p>\r\n<p>□         Account numbers of all your credit cards and the amounts for any outstanding balances.</p>\r\n<p> </p>\r\n<p>□         Copies of two to four months of bank or credit union statements for both checking and savings</p>\r\n<p>accounts.</p>\r\n<p> </p>\r\n<p>□         Lender, loan number, and amount owed on other installment loans, such as student loans and</p>\r\n<p>car loans. <br /> <br /></p>\r\n<p>□         Addresses where you’ve lived for the last five to seven years, with names of landlords if</p>\r\n<p>appropriate.</p>\r\n<p> </p>\r\n<p>□         Copies of brokerage account statements for two to four months, as well as a list of any other major assets of</p>\r\n<p>value, such as a boat, RV, or stocks or bonds not held in a brokerage account.</p>\r\n<p> </p>\r\n<p>□         Copies of your most recent 401(k) or other retirement account statement.</p>\r\n<p> </p>\r\n<p>□         Documentation to verify additional income, such as child support or a pension.</p>\r\n<p> </p>\r\n<p>□         Copies of personal tax forms for the last two to three years.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:00:26',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:00:26','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,33,'','',0,295,'robots=\nauthor='),(13,'Specialty Mortgages: Risks and Rewards','specialty-mortgages-risks-and-rewards','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<h3><strong>Specialty Mortgages: Risks and Rewards</strong></h3>\r\n<p>In high-priced housing markets, it can be difficult to afford a home.  That’s why a growing number of home buyers are forgoing traditional  fixed-rate mortgages and standard adjustable-rate mortgages and instead  opting for a specialty mortgage that lets them “stretch” their income so  they can qualify for a larger loan.</p>\r\n<p>But before you choose one of these mortgages, make sure you understand the risks and how they work.</p>\r\n<p> </p>\r\n<p>Specialty mortgages often begin with a low introductory interest rate  or payment plan — a “teaser”— but the monthly mortgage payments are  likely to increase a lot in the future. Some are “low documentation”  mortgages that come with easier standards for qualifying, but also  higher interest rates or higher fees. Some lenders will loan you 100  percent or more of the home’s value, but these mortgages can present a  big financial risk if the value of the house drops.</p>\r\n<p> </p>\r\n<p><strong>Specialty Mortgages Can:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Pose a greater risk that you won’t be able to afford the mortgage  payment in the future, compared to fixed rate mortgages and traditional  adjustable rate mortgages.</li>\r\n<li>Have monthly payments that increase by as much <strong>as 50 percent or more </strong>when the introductory period ends.</li>\r\n<li>Cause your loan balance (the amount you still owe) to get larger each month instead of smaller.</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Common Types of Specialty Mortgages:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Interest-Only Mortgages: </strong>Your monthly mortgage  payment only covers the interest you owe on the loan for the first 5 to  10 years of the loan, and you pay nothing to reduce the total amount you  borrowed (this is called the “principal”). After the interest-only  period, you start paying higher monthly payments that cover both the  interest and principal that must be repaid over the remaining term of  the loan.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Negative Amortization Mortgages: </strong>Your monthly  payment is less than the amount of interest you owe on the loan. The  unpaid interest gets added to the loan’s principal amount, causing the  total amount you owe to increase each month instead of getting smaller.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Option Payment ARM Mortgages: </strong>You have the option  to make different types of monthly payments with this mortgage. For  example, you may make a minimum payment that is less than the amount  needed to cover the interest and increases the total amount of your  loan; an interest-only payment, or payments calculated to pay off the  loan over either 30 years or 15 years.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>40-Year Mortgages: </strong>You pay off your loan over 40  years, instead of the usual 30 years. While this reduces your monthly  payment and helps you qualify to buy a home, you pay off the balance of  your loan much more slowly and end up paying much more interest. </li>\r\n</ul>\r\n<p> </p>\r\n<p><strong>Questions to Consider Before Choosing a Specialty Mortgage:</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>How much can my monthly payments increase and how soon can these increases happen?</li>\r\n<li>Do I expect my income to increase or do I expect to move before my payments go up?</li>\r\n<li>Will I be able to afford the mortgage when the payments increase?</li>\r\n<li>Am I paying down my loan balance each month, or is it staying the same or even increasing?</li>\r\n<li>Will I have to pay a penalty if I refinance my mortgage or sell my house?</li>\r\n<li>What is my goal in buying this property? Am I considering a riskier  mortgage to buy a more expensive house than I can realistically afford?</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p>Be sure you work with a REALTOR® and lender who can discuss different options and address your questions and concerns!</p>\r\n<p> </p>\r\n<p><em>Learn about the</em><em> NATIONAL ASSOCIATION OF REALTORS® Housing Opportunity Program at <a href=\"http://www.realtors.org/housingopportunity\">www.REALTOR.org/housingopportunity</a>.</em><em> For more information on predatory mortgage lending practices, visit the Center for Responsible Lending at <span style=\"text-decoration: underline;\">www.responsiblelending.org</span>.</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:02:46',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:02:46','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,32,'','',0,245,'robots=\nauthor='),(14,'5 Factors That Decide Your Credit Score','5-factors-that-decide-your-credit-score','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>5 Factors That Decide Your Credit Score</strong></h3>\r\n<p><br /> Credit scores range between 200 and 800, with scores above 620  considered desirable for obtaining a mortgage. The following factors  affect your score:<br /> <br /> <strong>1. Your payment history.</strong> Did you pay your credit card obligations on time? If they were late,  then how late? Bankruptcy filing, liens, and collection activity also  impact your history.</p>\r\n<p><br /> <strong>2. How much you owe. </strong>If you<strong> </strong>owe  a great deal of money on numerous accounts, it can indicate that you  are overextended. However, it’s a good thing if you have a good  proportion of balances to total credit limits. <br /> <br /> <strong>3. The length of your credit history.</strong> In general, the longer you have had accounts opened, the better. The  average consumer\'s oldest obligation is 14 years old, indicating that he  or she has been managing credit for some time, according to Fair Isaac  Corp., and only one in 20 consumers have credit histories shorter than 2  years.</p>\r\n<p><br /> <strong>4. How much new credit you have. </strong>New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly. <br /> <br /> <strong>5. The types of credit you use.</strong> Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example. <br /> <br /> For more on evaluating and understanding your credit score, visit <a href=\"http://www.myfico.com/CreditEducation/?fire=1\" target=\"new\">www.myfico.com</a>.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:04:27',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:04:27','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,31,'','',0,246,'robots=\nauthor='),(15,'5 Property Tax Questions You Need to Ask','5-property-tax-questions-you-need-to-ask','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>5 Property Tax Questions You Need to Ask</strong></h3>\r\n<p><br /> <strong>1. What is the assessed value of the property?</strong> Note that assessed value is generally less than market value. Ask to  see a recent copy of the seller’s tax bill to help you determine this  information. <br /> <br /> <strong>2. How often are properties reassessed, and when was the last reassessment done?</strong> In general, taxes jump most significantly when a property is reassessed. <br /> <br /> <strong>3. Will the sale of the property trigger a tax increase?</strong> The assessed value of the property may increase based on the amount you  pay for the property. And in some areas, such as California, taxes may  be frozen until resale. <br /> <br /> <strong>4. Is the amount of taxes paid comparable to other properties in the area?</strong> If not, it might be possible to appeal the tax assessment and lower the rate.</p>\r\n<p><strong>5. Does the current tax bill reflect any special exemptions that I might not qualify for?</strong> For example, many tax districts offer reductions to those 65 or over.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:05:52',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:05:52','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,30,'','',0,225,'robots=\nauthor='),(16,'6 Creative Ways to Afford a Home','6-creative-ways-to-afford-a-home','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>6   Creative Ways</strong><strong> to Afford a Home</strong></h3>\r\n<p><br /> <strong>1. Investigate local, state, and national down payment assistance programs.</strong> These programs give qualified applicants loans or grants to cover all  or part of your required down payment. National programs include the  Nehemiah program, <a href=\"http://www.getdownpayment.com/\">www.getdownpayment.com</a>, and the American Dream Down Payment Fund from the Department of Housing and Urban Development, <a href=\"http://www.hud.gov/\">www.hud.gov</a>.</p>\r\n<p><br /> <strong>2. Explore seller financing. </strong>In some cases,  sellers may be willing to finance all or part of the purchase price of  the home and let you repay them gradually, just as you would do with a  mortgage.<br /> <br /> <strong>3. Consider a shared-appreciation or shared-equity arrangement.</strong> Under this arrangement, your family, friends, or even a third-party may  buy a portion of the home and share in any appreciation when the home  is sold. The owner/occupant usually pays the mortgage, property taxes,  and maintenance costs, but all the investors\' names are usually on the  mortgage. Companies are available that can help you find such an  investor, if your family can’t participate. <br /> <br /> <strong>4. Ask your family for help.</strong> Perhaps a family member will loan you money for the down payment or act  as a co-signer for the mortgage. Lenders often like to have a co-signer  if you have little credit history. <br /> <br /> <strong>5. Lease with the option to buy.</strong> Renting the home for a year or more will give you the chance to save  more toward your down payment. And in many cases, owners will apply some  of the rental amount toward the purchase price. You usually have to pay  a small, nonrefundable option fee to the owner.<br /> <br /> <strong>6. Consider a short-term second mortgage. </strong>If  you can qualify for a short-term second mortgage, this would give you  money to make a larger down payment. This may be possible if you’re in  good financial standing, with a strong income and little other debt.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:07:08',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:07:08','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,29,'','',0,235,'robots=\nauthor='),(17,'8 Tips to Guide for Your Home Search ','8-tips-to-guide-for-your-home-search-','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>8 Tips to Guide for Your Home Search </strong></h3>\r\n<p><strong><br /></strong></p>\r\n<p><strong>1. Research before you look.</strong> Decide what features  you most want to have in a home, what neighborhoods you prefer, and how  much you’d be willing to spend each month for housing.</p>\r\n<p><strong>2. Be realistic. </strong>It’s OK to be picky, but don’t be  unrealistic with your expectations. There’s no such thing as a perfect  home. Use your list of priorities as a guide to evaluate each property.<br /> <br /> <strong>3. Get your finances in order.</strong> Review your credit report and be sure you have enough money to cover  your down payment and closing costs. Then, talk to a lender and get  prequalified for a mortgage. This will save you the heartache later of  falling in love with a house you can’t afford.<br /> <br /> <strong>4. Don’t ask too many people for opinions.</strong> It will drive you crazy. Select one or two people to turn to if you  feel you need a second opinion, but be ready to make the final decision  on your own.<br /> <br /> <strong>5. Decide your moving timeline. </strong>When  is your lease up? Are you allowed to sublet? How tight is the rental  market in your area? All of these factors will help you determine when  you should move.<br /> <br /> <strong>6. Think long term. </strong>Are you  looking for a starter house with plans to move up in a few years, or do  you hope to stay in this home for a longer period? This decision may  dictate what type of home you’ll buy as well as the type of mortgage  terms that will best suit you. <br /> <br /> <strong>7. Insist on a home inspection.</strong> If possible, get a warranty from the seller to cover defects for one year. <br /> <br /> <strong>8. Get help from a REALTOR®.</strong> Hire a real estate professional who specializes in buyer  representation. Unlike a listing agent, whose first duty is to the  seller, a buyer’s representative is working only for you. Buyer’s reps  are usually paid out of the seller’s commission payment.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:08:39',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:08:39','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,28,'','',0,229,'robots=\nauthor='),(18,'10 Questions to Ask Your Lender','10-questions-to-ask-your-lender','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h2><strong>10 Questions to Ask Your Lender</strong></h2>\r\n<p><br /> <strong>1.</strong> What are the most popular mortgages you offer? Why are they so popular?<br /> <br /> <strong>2.</strong> Which type of mortgage plan do you think would be best for me? Why?<br /> <br /> <strong>3.</strong> Are your rates, terms, fees, and closing costs negotiable?<br /> <br /> <strong>4.</strong> Will I have to buy private mortgage insurance? If so, how much will it  cost, and how long will it be required? (NOTE: Private mortgage  insurance is usually required if your down payment is less than 20  percent. However, most lenders will let you discontinue PMI when you’ve  acquired a certain amount of equity by paying down the loan.)<br /> <br /> <strong>5.</strong> Who will service the loan — your bank or another company?<br /> <br /> <strong>6.</strong> What escrow requirements do you have?<br /> <br /> <strong>7. </strong>How  long will this loan be in a lock-in period (in other words, the time  that the quoted interest rate will be honored)? Will I be able to obtain  a lower rate if it drops during this period?<br /> <br /> <strong>8.</strong> How long will the loan approval process take?<br /> <br /> <strong>9.</strong> How long will it take to close the loan?<br /> <br /> <strong>10.</strong> Are there any charges or penalties for prepaying the loan?<br /> <br /> <em>Used with permission from Real Estate Checklists &amp; Systems, </em><a href=\"http://www.realestatechecklists.com/\" target=\"new\"><em>www.realestatechecklists.com</em></a><em>.</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:10:08',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:10:08','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,27,'','',0,237,'robots=\nauthor='),(19,'Budget Basics Worksheet','budget-basics-worksheet','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Budget Basics Worksheet</strong></h3>\r\n<p>The first step in getting yourself in financial shape to buy a home  is to know exactly how much money comes in and how much goes out. Use  this worksheet to list your income and expenses below.</p>\r\n<p> </p>\r\n<table border=\"1\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong>INCOME</strong></p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Take Home Pay (all family members)</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Child Support/Alimony</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Pension/Social Security</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Disability/Other Insurance</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Interest/Dividends</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Other</p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Total Income</em></strong><strong><em> </em></strong></p>\r\n</td>\r\n<td width=\"171\" valign=\"top\">\r\n<p> </p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p> </p>\r\n<table border=\"1\" cellpadding=\"0\">\r\n<tbody>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong>EXPENSES</strong></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Rent/Mortgage (include taxes, principal, and insurance)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Life Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Health/Disability Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Vehicle Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Homeowner’s or Other Insurance</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Car Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Other Loan Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Savings/Pension Contribution</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Utilities (gas, water, electric, phone)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Credit Card Payments</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Car Upkeep (gas, maintenance, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Clothing</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Personal Care Products (shampoo, cologne, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Groceries</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Food Outside the Home (restaurant meals and carryout)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Medical/Dental/Prescriptions</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Household Goods (hardware, lawn, and garden)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Recreation/Entertainment</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Child Care</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Education (continuing education, classes, etc.)</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Charitable Donations</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p>Miscellaneous</p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Total Expenses </em></strong><strong><em> </em></strong></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p><em> </em></p>\r\n<br /></td>\r\n</tr>\r\n<tr>\r\n<td width=\"289\" valign=\"top\">\r\n<p><strong><em>Remaining Income After Expenses </em></strong></p>\r\n<p><em>(Subtract Total Income from Total   Expenses)</em></p>\r\n</td>\r\n<td width=\"168\" valign=\"top\">\r\n<p> </p>\r\n</td>\r\n</tr>\r\n</tbody>\r\n</table>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:11:11',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:11:11','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,26,'','',0,255,'robots=\nauthor='),(20,'How Big of a Mortgage Can I Afford?','how-big-of-a-mortgage-can-i-afford','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>How Big of a Mortgage Can I Afford?</strong></h3>\r\n<p><br /> Not  only does owning a home give you a haven for yourself and your family,  it also makes great financial sense because of the tax benefits — which  you can’t take advantage of when paying rent. <br /> <br /> The following  calculation assumes a 28 percent income tax bracket. If your bracket is  higher, your savings will be, too. Based on your current rent, use this  calculation to figure out how much mortgage you can afford.<br /> <br /> <strong>Rent:</strong> _________________________<br /> <br /> <strong>Multiplier:</strong> x 1.32<br /> <br /> <strong>Mortgage payment:</strong> _________________________<br /> <br /> Because of tax deductions, you can make a mortgage payment — including  taxes and insurance — that is approximately one-third larger than your  current rent payment and end up with the same amount of income. <br /> <br /> <em>For more help, use Fannie Mae’s </em><em><a href=\"http://www.fanniemae.com/homebuyers/calculators/index.jhtml?p=Resources&amp;s=Calculators\">online mortgage calculators</a></em><em>. </em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:12:35',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:12:35','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,25,'','',0,228,'robots=\nauthor='),(21,'Loan Types to Consider','loan-types-to-consider','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Loan Types to Consider</strong></h3>\r\n<p>Brush up on these mortgage basics to help you determine the loan that will best suit your needs.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Mortgage terms.</strong> Mortgages are generally available  at 15-, 20-, or 30-year terms. In general, the longer the term, the  lower the monthly payment. However, you pay more interest overall if you  borrow for a longer term. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Fixed or adjustable interest rates.</strong> A fixed rate  allows you to lock in a low rate as long as you hold the mortgage and,  in general, is usually a good choice if interest rates are low. An  adjustable-rate mortgage is designed so that your loan’s interest rate  will rise as market interest rates increase. ARMs usually offer a lower  rate in the first years of the mortgage. ARMs also usually have a limit  as to how much the interest rate can be increased and how frequently  they can be raised. These types of mortgages are a good choice when  fixed interest rates are high or when you expect your income to grow  significantly in the coming years. </li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Balloon mortgages. </strong>These mortgages offer very low  interest rates for a short period of time — often three to seven years.  Payments usually cover only the interest so the principal owed is not  reduced. However, this type of loan may be a good choice if you think  you will sell your home in a few years. </li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li><strong>Government-backed loans. </strong>These loans are sponsored by agencies such as the Federal Housing Administration (<a href=\"http://www.fha.gov/\" target=\"new\">www.fha.gov</a>) or the Department of Veterans Affairs (<a href=\"http://www.va.gov/\" target=\"new\">www.va.gov</a>) and offer special terms, including lower down payments or reduced interest rates to qualified buyers. </li>\r\n</ul>\r\n<p> </p>\r\n<p>Slight variations in interest rates, loan amounts, and terms can  significantly affect your monthly payment. For help in determining how  much your monthly payment will be for various loan amounts, use Fannie  Mae’s <a href=\"http://www.fanniemae.com/homebuyers/calculators/index.jhtml?p=Resources&amp;s=Calculators\">online mortgage calculators</a></p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:13:56',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:13:56','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,24,'','',0,233,'robots=\nauthor='),(22,'Get Your Finances in Order: To-Do List','get-your-finances-in-order-to-do-list','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Get Your Finances in Order: To-Do List</strong></h3>\r\n<p><br /> <strong>1. Develop a household budget.</strong> Instead of  creating a budget of what you’d like to spend, use receipts to create a  budget that reflects your actual spending habits over the last several  months. This approach will factor in unexpected expenses, such as car  repairs, as well as predictable costs such as rent, utility bills, and  groceries.<br /> <br /> <strong>2. Reduce your debt.</strong> Lenders  generally look for a total debt load of no more than 36 percent of  income. This figure includes your mortgage, which typically ranges  between 25 and 28 percent of your net household income. So you need to  get monthly payments on the rest of your installment debt — car loans,  student loans, and revolving balances on credit cards — down to between 8  and 10 percent of your net monthly income.</p>\r\n<p><br /> <strong>3. Look for ways to save. </strong>You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down <em>everything</em> you spend for one month. You’ll probably spot some great ways to save,  whether it’s cutting out that morning trip to Starbucks or eating dinner  at home more often.<br /> <br /> <strong>4. Increase your income. </strong>Now’s  the time to ask for a raise! If that’s not an option, you may want to  consider taking on a second job to get your income at a level high  enough to qualify for the home you want. <br /> <br /> <strong>5. Save for a down payment.</strong> Designate a certain amount of money each month to put away in your  savings account. Although it’s possible to get a mortgage with only 5  percent down, or even less, you can usually get a better rate if you put  down a larger percentage of the total purchase. Aim for a 20 percent  down payment.</p>\r\n<p><br /> <strong>6. Keep your job.</strong> While you don’t need to be in  the same job forever to qualify for a home loan, having a job for less  than two years may mean you have to pay a higher interest rate. <br /> <br /> <strong>7. Establish a good credit history.</strong> Get a credit card and make payments by the due date. Do the same for  all your other bills, too. Pay off the entire balance promptly.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:15:29',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:15:29','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,23,'','',0,232,'robots=\nauthor='),(23,'Tax Benefits of Homeownership','tax-benefits-of-homeownership','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Tax Benefits of Homeownership</strong></h3>\r\n<p><br /> The tax  deductions you’re eligible to take for mortgage interest and property  taxes greatly increase the financial benefits of homeownership. Here’s  how it works.</p>\r\n<p><strong>Assume:</strong></p>\r\n<p>$9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7 percent, using year-five interest) <br /> $2,700 = Property taxes (at 1.5 percent on $180,000 assessed value)<br /> ______<br /> <br /> $12,577 = <strong>Total deduction </strong><br /> <br /></p>\r\n<p>Then, multiply your total deduction by your tax rate.</p>\r\n<p>For example, at a 28 percent tax rate: 12,577 x 0.28 = $3,521.56</p>\r\n<p>$3,521.56 = <strong>Amount you have lowered your federal income tax (at 28 percent tax rate)</strong> <br /> <br /> <em>Note:  Mortgage interest may not be deductible on loans over $1.1 million. In  addition, deductions are decreased when total income reaches a certain  level. </em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:16:36',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:16:36','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,22,'','',0,264,'robots=\nauthor='),(24,'Tips for Lowering Homeowner’s Insurance Costs','tips-for-lowering-homeowners-insurance-costs','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Tips for Lowering Homeowner’s Insurance Costs</strong></h3>\r\n<p><br /> <strong>1.</strong> Review the Comprehensive Loss Underwriting Exchange (CLUE) report on  the property you’re interested in buying. CLUE reports detail the  property’s claims history for the most recent five years, which insurers  may use to deny coverage. Make the sale contingent on a home inspection  to ensure that problems identified in the CLUE report have been  repaired.</p>\r\n<p> </p>\r\n<p><strong>2.</strong> Seek insurance coverage as soon as your offer is  approved. You must obtain insurance to buy. And you don’t want to be  told at closing that the insurer has denied your coverage.</p>\r\n<p> </p>\r\n<p><strong>3.</strong> Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.</p>\r\n<p> </p>\r\n<p><strong>4.</strong> Buy your home owners and auto policies from the  same company and you’ll usually qualify for savings. But make sure the  discount really yields the lowest price.</p>\r\n<p> </p>\r\n<p><strong>5.</strong> Raise your deductible. If you can afford to pay  more toward a loss that occurs, your premiums will be lower. Avoid  making claims under $1,000.<br /> <br /></p>\r\n<p><strong>6.</strong> Ask about other discounts. For example, retirees  who tend to be home more than full-time workers may qualify for a  discount on theft insurance. You also may be able to obtain discounts  for having smoke detectors, a burglar alarm, or dead-bolt locks.</p>\r\n<p> </p>\r\n<p><strong>7.</strong> Seek group discounts. If you belong to any  groups, such as associations or alumni organizations, they may have  deals on insurance coverage.</p>\r\n<p> </p>\r\n<p><strong>8.</strong> Review your policy limits and the value of your  home and possessions annually. Some items depreciate and may not need as  much coverage. <br /> <br /></p>\r\n<p><strong>9.</strong> Investigate a government-backed insurance plan.  In some high-risk areas, federal or state government may back plans to  lower rates. Ask your agent.</p>\r\n<p> </p>\r\n<p><strong>10.</strong> Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:17:41',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:17:41','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,21,'','',0,215,'robots=\nauthor='),(25,'What You Can Do to Improve Your Credit ','what-you-can-do-to-improve-your-credit-','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<h3><strong>What You Can Do to Improve Your Credit </strong></h3>\r\n<p><br /> Credit scores, along with your overall income and debt, are big  factors in determining whether you’ll qualify for a loan and what your  loan terms will be. So, keep your credit score high by doing the  following: <br /> <br /> <strong>1.</strong> Check for and correct any  errors in your credit report. Mistakes happen, and you could be paying  for someone else’s poor financial management. <br /> <br /> <strong>2.</strong> Pay down credit card bills. If possible, pay off the entire balance  every month. Transferring credit card debt from one card to another  could lower your score.<br /> <br /> <strong>3.</strong> Don’t charge your credit cards to the maximum limit.<br /> <br /> <strong>4. </strong>Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.<br /> <br /> <strong>5.</strong> Don’t order items for your new home on credit — such as appliances and  furniture — until after the loan is approved. The amounts will add to  your debt. <br /> <br /> <strong>6.</strong> Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.<br /> <br /> <strong>7.</strong> Shop for mortgage rates all at once. Too many credit applications can  lower your score, but multiple inquiries from the same type of lender  are counted as one inquiry if submitted over a short period of time. <br /> <br /> <strong>8.</strong> Avoid finance companies. Even if you pay the loan on time, the interest  is high and it will probably be considered a sign of poor credit  management.<br /> <br /> <em>This information is copyrighted by the Fannie  Mae Foundation and is used with permission of the Fannie Mae Foundation.  To obtain a complete copy of the publication, </em>Knowing and Understanding Your Credit<em>, visit <a href=\"http://www.homebuyingguide.org/\">www.homebuyingguide.org</a></em>.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:18:56',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:18:56','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,20,'','',0,263,'robots=\nauthor='),(26,'Your Property Wish List','your-property-wish-list','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Your</strong><strong> Property Wish List</strong></h3>\r\n<p> </p>\r\n<p>What does your future home look like? Where is it located? As you  hunt down your dream home, consult this list to evaluate properties and  keep your priorities top of mind.</p>\r\n<p> </p>\r\n<p>□         <strong>Neighborhoods </strong></p>\r\n<p><strong> </strong></p>\r\n<p>What neighborhoods do you prefer?</p>\r\n<p> </p>\r\n<p>□         <strong>Schools </strong></p>\r\n<p><strong> </strong></p>\r\n<p>What school systems do you want to be near?</p>\r\n<p> </p>\r\n<p>□         <strong>Transportation </strong></p>\r\n<p><strong> </strong></p>\r\n<p>How close must the home be to these amenities:</p>\r\n<p> </p>\r\n<ul>\r\n<li>Public transportation </li>\r\n<li>Airport </li>\r\n<li>Expressway </li>\r\n<li>Neighborhood shopping</li>\r\n<li>Schools</li>\r\n<li>Other</li>\r\n</ul>\r\n<p> </p>\r\n<p>□         <strong>Home Style</strong></p>\r\n<p> </p>\r\n<ul>\r\n<li>What architectural style(s) of homes do you prefer?</li>\r\n<li>Do you want to buy a home, condominium, or townhome?</li>\r\n<li>Would you like a one-story or two-story home?</li>\r\n<li>How many bedrooms must your new home have?</li>\r\n<li>How many bathrooms must your new home have?</li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p>□         <strong>Home Condition</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Do you prefer a new home or an existing home?</li>\r\n<li>If you’re looking for an existing home, how old of a home would you consider?</li>\r\n<li>How much repair or renovation would you be willing to do?</li>\r\n<li>Do you have special needs that your home must meet?</li>\r\n</ul>\r\n<p> </p>\r\n<p>□         <strong>Home Features </strong></p>\r\n<p><strong> </strong></p>\r\n<p>Please circle one of the choices: Must Have, Would Like, Willing to Compromise, Not Important</p>\r\n<p> </p>\r\n<p><strong>Front yard </strong> Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Back yard </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Garage ( __ cars) </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Patio/Deck </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Pool </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Family room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Formal living room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Formal dining room </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Eat-in kitchen </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Laundry room </strong>Must Have             Would Like            Willing to Compromise      Not Important  <strong> </strong></p>\r\n<p><strong>Finished basement </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Attic </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Fireplace </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Spa in bath </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Air conditioning </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Wall-to-wall carpet </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Wood floors </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong>Great view </strong>Must Have             Would Like            Willing to Compromise      Not Important</p>\r\n<p><strong> </strong></p>\r\n<p>□         <strong>Other notes: </strong></p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:20:06',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:20:06','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,19,'','',0,247,'robots=\nauthor='),(27,'5 Things to Know About Homeowner’s Insurance','5-things-to-know-about-homeowners-insurance','','<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>5 Things to Know About Homeowner’s Insurance</strong></h3>\r\n<p><br /> <strong>1. Know about exclusions to coverage.</strong> For example, most insurance policies do not cover flood or earthquake  damage as a standard item. These types of coverage must be bought  separately. <br /> <br /> <strong>2. Know about dollar limitations on claims.</strong> Even if you are covered for a risk, there may be a limit on how much  the insurer will pay. For example, many policies limit the amount paid  for stolen jewelry unless items are insured separately. <br /> <br /> <strong>3. Know the replacement cost.</strong> If your home is destroyed you’ll receive money to replace it only to  the maximum of your coverage, so be sure your insurance is sufficient.  This means that if your home is insured for $150,000 and it costs  $180,000 to replace it, you’ll only receive $150,000. <br /> <br /> <strong>4. Know the actual cash value.</strong> If you chose not to replace your home when it’s destroyed, you’ll  receive replacement cost, less depreciation. This is called actual cash  value. <br /> <br /> <strong>5. Know the liability.</strong> Generally your  homeowner’s insurance covers you for accidents that happen to other  people on your property, including medical care, court costs, and awards  by the court. However, there is usually an upper limit to the amount of  coverage provided. Be sure that it’s sufficient if you have significant  assets.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:21:10',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:21:10','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,18,'','',0,253,'robots=\nauthor='),(28,'5 Things to Know About Title Insurance','5-things-to-know-about-title-insurance','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p align=\"left\"><strong> </strong></p>\r\n<h3><strong>5 Things to Know About Title Insurance</strong></h3>\r\n<p align=\"left\"><strong> </strong></p>\r\n<p align=\"left\">Title insurance protects the holder from any losses  sustained from defects in the title. It’s required by most mortgage  lenders. Here are five other things you should know about title  insurance.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>1.</strong> It protects your ownership right to  your home, both from fraudulent claims against your ownership and from  mistakes made in earlier sales, such as mistake in the spelling of a  person’s name or an inaccurate description of the property.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>2.</strong> It’s a one-time cost usually based on the price of the property.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>3.</strong> It’s usually paid for by the sellers, although this can vary depending on your state and local customs.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>4. </strong>There are both lender title  policies, which protect the lender, and owner title policies, which  protect you. The lender will probably require a lender policy.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>5.</strong> Discounts on premiums are sometimes  available if the home has been bought within only a few years since not  as much work is required to check the title. Ask the title company if  this discount is available.</p>\r\n<p align=\"left\">\r\n<hr />\r\n</p>\r\n<p> </p>','',1,2,0,4,'2011-05-26 23:30:07',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:30:07','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,17,'','',0,237,'robots=\nauthor='),(29,'7 Reasons to Own Your Home','7-reasons-to-own-your-home','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>7 Reasons to Own Your Home</strong></h3>\r\n<p><br /> <strong>1.</strong><strong> Tax breaks.</strong> The U.S. Tax Code lets you deduct the interest you pay on your  mortgage, your property taxes, as well as some of the costs involved in  buying your home.<br /> <br /> <strong>2. Appreciation.</strong> Real estate  has long-term, stable growth in value. While year-to-year fluctuations  are normal, median existing-home sale prices have increased on average  6.5 percent each year from 1972 through 2005, and increased 88.5 percent  over the last 10 years, according to the NATIONAL ASSOCIATION OF  REALTORS®. In addition, the number of U.S. households is expected to  rise 15 percent over the next decade, creating continued high demand for  housing.</p>\r\n<p><br /> <strong>3. Equity. </strong>Money paid for rent is money that  you’ll never see again, but mortgage payments let you build equity  ownership interest in your home. <br /> <br /> <strong>4. Savings.</strong> Building equity in your home is a ready-made savings plan. And when you  sell, you can generally take up to $250,000 ($500,000 for a married  couple) as gain without owing any federal income tax. <br /> <br /> <strong>5. Predictability.</strong> Unlike rent, your fixed-mortgage payments don’t rise over the years so  your housing costs may actually decline as you own the home longer.  However, keep in mind that property taxes and insurance costs will  increase. <br /> <br /> <strong>6. Freedom. </strong>The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home. <br /> <br /> <strong>7. Stability.</strong> Remaining in one neighborhood for several years gives you a chance to  participate in community activities, lets you and your family establish  lasting friendships, and offers your children the benefit of educational  continuity. <br /> <br /> Online resources: To calculate whether buying is  the best financial option for you, use the “Buy vs. Rent” calculator at  www.GinnieMae.gov.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:31:18',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:31:18','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,16,'','',0,237,'robots=\nauthor='),(30,'10 Questions to Ask Home Inspectors','10-questions-to-ask-home-inspectors','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142</strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<h3>10 Questions to Ask Home Inspectors</h3>\r\n<p>Before you make your final buying or selling decision, you should  have the home inspected by a professional. An inspection can alert you  to potential problems with a property and allow you to make an informed  decision. Ask these questions to prospective home inspectors:</p>\r\n<p><br /> <strong>1. Will your inspection meet recognized standards?</strong> Ask whether the inspection and the inspection report will meet all  state requirements and comply with a well-recognized standard of  practice and code of ethics, such as the one adopted by the American  Society of Home Inspectors or the National Association of Home  Inspectors. Customers can view each group’s standards of practice and  code of ethics online at <a href=\"http://www.ashi.org/\" target=\"blank\">www.ashi.org</a> or <a href=\"http://www.nahi.org/\" target=\"blank\">www.nahi.org</a>. ASHI’s Web site also provides a database of state regulations.<br /> <br /> <strong>2. Do you belong to a professional home inspector association?</strong> There are many state and national associations for home inspectors,  including the two groups mentioned in No. 1. Unfortunately, some groups  confer questionable credentials or certifications in return for nothing  more than a fee. Insist on members of reputable, nonprofit trade  organizations; request to see a membership ID. <br /> <br /> <strong>3. How experienced are you?</strong> Ask how long inspectors have been in the profession and how many  inspections they’ve completed. They should provide customer referrals on  request. New inspectors also may be highly qualified, but they should  describe their training and let you know whether they plan to work with a  more experienced partner. <br /> <br /> <strong>4. How do you keep your expertise up to date?</strong> Inspectors’ commitment to continuing education is a good measure of  their professionalism and service. Advanced knowledge is especially  important in cases in which a home is older or includes unique elements  requiring additional or updated training. <br /> <br /> <strong>5. Do you focus on residential inspection? </strong>Make  sure the inspector has training and experience in the unique discipline  of home inspection, which is very different from inspecting commercial  buildings or a construction site. If your customers are buying a unique  property, such as a historic home, they may want to ask whether the  inspector has experience with that type of property in particular.<br /> <br /> <strong>6. Will you offer to do repairs or improvements? </strong>Some  state laws and trade associations allow the inspector to provide repair  work on problems uncovered during the inspection. However, other states  and associations forbid it as a conflict of interest. Contact your  local ASHI chapter to learn about the rules in your state. <br /> <br /> <strong>7. How long will the inspection take? </strong>On  average, an inspector working alone inspects a typical single-family  house in two to three hours; anything significantly less may not be  thorough. If your customers are purchasing an especially large property,  they may want to ask whether additional inspectors will be brought in.<br /> <br /> <strong>8. What’s the cost? </strong>Costs  can vary dramatically, depending on your region, the size and age of  the house, and the scope of services. The national average for  single-family homes is about $320, but customers with large homes can  expect to pay more. Customers should be wary of deals that seem too good  to be true. <br /> <br /> <strong>9. What type of inspection report do you provide? </strong>Ask  to see samples to determine whether you will understand the inspector\'s  reporting style. Also, most inspectors provide their full report within  24 hours of the inspection. <br /> <br /> <strong>10. Will I be able to attend the inspection? </strong>The  answer should be yes. A home inspection is a valuable educational  opportunity for the buyer. An inspector\'s refusal to let the buyer  attend should raise a red flag.</p>\r\n<p> </p>\r\n<p><em>Source: Rob Paterkiewicz, executive director, American Society of Home Inspectors, Des   Plaines, Ill., www.ashi.org.</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:32:23',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:32:23','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,15,'','',0,249,'robots=\nauthor='),(31,'10 Questions to Ask the Condo Board','10-questions-to-ask-the-condo-board','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>10 Questions to Ask the Condo Board</strong></h3>\r\n<p><br /> Before  you buy, contact the condo board with the following questions. In the  process, you’ll learn how responsive — and organized — its members are.  You’ll also be alerted to potential problems with the property.<br /> <br /> <strong>1. What percentage of units is owner-occupied? What percentage is tenant-occupied?</strong> Generally, the higher the percentage of owner-occupied units, the more marketable the units will be at resale. <br /> <br /> <strong>2. What covenants, bylaws, and restrictions govern the property?</strong> <strong>What grandfather clauses are in place?</strong> You may find, for instance, that those who buy a property after a  certain date can’t rent out their units, but buyers who bought earlier  can. Ask for a copy of the bylaws to determine if you can live within  them. And have an attorney review property docs, including the master  deed, for you.<br /> <br /> <strong>3. How much does the association keep in reserve? </strong>Plus, find out how that money is being invested.<br /> <br /> <strong>4. Are association assessments keeping pace with the annual rate of inflation?</strong> Smart boards raise assessments a certain percentage each year to build reserves to fund future repairs.<strong> </strong>To determine if the assessment is reasonable, compare the rate to others in the area.<br /> <br /> <strong>5. What does and doesn’t the assessment cover?</strong> Does the assessment include common-area maintenance, recreational facilities, trash collection, and snow removal? <br /> <br /> <strong>6. What special assessments have been mandated in the past five years?</strong> How much was each owner responsible for? Some special assessments are  unavoidable. But repeated, expensive assessments could be a red flag  about the condition of the building or the board’s fiscal policy.<br /> <br /> <strong>7. How much turnover occurs in the building?</strong> This will tell you if residents are generally happy with the building.  According to research by the NATIONAL ASSOCIATION OF REALTORS®, owners  of condos in two-to-four unit buildings stay for a median of five years,  and owners of condos in a building with five or more units stay for a  median of four years.<br /> <br /> <strong>8. Is the condo building in litigation?</strong> This is never a good sign. If the builders or home owners are involved in a lawsuit, reserves can be depleted quickly.<br /> <br /> <strong>9. Is the developer reputable?</strong> Find out what other projects the developer has built and visit one if  you can. Ask residents about their perceptions. Request an engineer’s  report for developments that have been reconverted from other uses to  determine what shape the building is in. If the roof, windows, and  bricks aren’t in good repair, they become your problem once you buy.<br /> <br /> <strong>10. Are multiple associations involved in the property?</strong> In very large developments, umbrella associations, as well as the  smaller association into which you’re buying, may require separate  assessments.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:33:44',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:33:44','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,14,'','',0,264,'robots=\nauthor='),(32,'17 Tips for Packing Like a Pro','17-tips-for-packing-like-a-pro','','<p>\r\n<hr />\r\n</p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142</strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>17 Tips for Packing Like a Pro</strong></h3>\r\n<p><strong> </strong></p>\r\n<p>Moving to a new home can be stressful, to say the least. Make it easy  on yourself by planning far in advance and making sure you’ve covered  all the bases.<br /> <br /> <strong>1. Plan ahead by organizing and budgeting.</strong> Develop a master “to do” list so you won’t forget something critical on moving day, and create an estimate of moving costs. (A <a href=\"http://www1.move.com/move/tools/movingcalc.asp?gate=realtor&amp;poe=realtor&amp;tran=vud\">moving calculator</a> is available at REALTOR.com)<br /> <br /> <strong>2. Sort and get rid of things you no longer want or need. </strong>Have a garage sale, donate to a charity, or recycle.<br /> <br /> <strong>3. But don’t throw out everything.</strong> If your inclination is to just toss it, you\'re probably right. However,  it\'s possible to go overboard in the heat of the moment. Ask yourself  how frequently you use an item and how you’d feel if you no longer had  it. That will eliminate regrets after the move.<br /> <br /> <strong>4. Pack similar items together.</strong> Put toys with toys, kitchen utensils with kitchen utensils. It will make your life easier when it\'s time to unpack.<br /> <br /> <strong>5. Decide what, if anything, you plan to move on your own.</strong> Precious items such as family photos, valuable breakables, or  must-haves during the move should probably stay with you. Don\'t forget  to keep a \"necessities\" bag with tissues, snacks, and other items you\'ll  need that day.</p>\r\n<p> </p>\r\n<p><strong>6. Remember, most movers won’t take plants.</strong> If you don\'t want to leave them behind, you should plan on moving them yourself.</p>\r\n<p><br /> <strong>7. Use the right box for the item. </strong>Loose items are prone to breakage.</p>\r\n<p> </p>\r\n<p><strong>8. Put heavy items in small boxes so they’re easier to lift.</strong> Keep the weight of each box under 50 pounds, if possible.<br /> <br /> <strong>9. Don’t over-pack boxes.</strong> It increases the likelihood that items inside the box will break.</p>\r\n<p><br /> <strong>10. Wrap every fragile item separately and pad bottom and sides of boxes. </strong>If necessary, purchase bubble-wrap or other packing materials from moving stores. <br /> <br /> <strong>11. Label every box on all sides.</strong> You never know how they’ll be stacked and you don’t want to have to move other boxes aside to find out what’s there. <br /> <br /> <strong>12. Use color-coded labels to indicate which room each item should go in. </strong>Color-code a floor plan for your new house to help movers. <br /> <br /> <strong>13. Keep your moving documents together in a file.</strong> Include important phone numbers, driver’s name, and moving van number. Also keep your address book handy.</p>\r\n<p> </p>\r\n<p><strong>14. Print out a map and directions for movers. </strong>Make  several copies, and highlight the route. Include your cell phone number  on the map. You don’t want movers to get lost! Also make copies for  friends or family who are lending a hand on moving day.<br /> <br /> <strong>15. Back up your computer files before moving your computer. </strong>Keep the backup in a safe place, preferably at an off-site location.<br /> <br /> <strong>16. Inspect each box and all furniture for damage as soon as it arrives. </strong></p>\r\n<p><br /> <strong>17. Make arrangements for small children and pets.</strong> Moving can be stressful and emotional. Kids can help organize their  things and pack boxes ahead of time, but, if possible, it might be best  to spare them from the moving-day madness.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:34:43',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:34:43','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,13,'','',0,234,'robots=\nauthor='),(33,'Closing Documents You Should Keep','closing-documents-you-should-keep','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Closing</strong><strong> Documents You Should Keep</strong></h3>\r\n<p>On closing day, expect to sign a lot of documents and walk away with a  big stack of papers. Here’s a list of the most important documents you  should file away for future reference.</p>\r\n<ul>\r\n<li><strong>HUD-1      settlement statement. </strong>Itemizes all the  costs — commissions, loan fees, points,      and hazard insurance  —associated with the closing. You’ll need it for      income tax  purposes if you paid points. </li>\r\n<li><strong>Truth      in Lending statement. </strong>Summarizes the      terms of your mortgage loan, including the annual percentage rate and recision period. </li>\r\n<li><strong>Mortgage      and note. </strong>Spell      out the legal terms of your mortgage obligation and the agreed-upon      repayment terms. </li>\r\n<li><strong>Deed. </strong>Transfers      ownership to you. </li>\r\n<li><strong>Affidavits. </strong>Binding      statements by either  party. For example, the sellers will often sign an      affidavit  stating that they haven’t incurred any liens. </li>\r\n<li><strong>Riders. </strong>Amendments      to the sales contract that  affect your rights. Example: The sellers won’t      move out until two  weeks after closing but will pay rent to the buyers      during that  period. </li>\r\n<li><strong>Insurance      policies. </strong>Provide      a record and proof of your coverage.</li>\r\n</ul>\r\n<p><br /> <em>Sources:</em><em> Credit Union National Association; Mortgage Bankers Association; Home-Buyer’s Guide (Real Estate Center at Texas A&amp;M, 2000)</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:35:43',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:35:43','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,12,'','',0,266,'robots=\nauthor='),(34,'Common Closing Costs for Buyers','common-closing-costs-for-buyers','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Common Closing Costs for Buyers</strong></h3>\r\n<p align=\"center\"><strong> </strong></p>\r\n<p align=\"left\">You’ll likely be responsible for a variety of fees and  expenses that you and the seller will have to pay at the time of  closing. Your lender must provide a good-faith estimate of all  settlement costs. The title company or other entity conducting the  closing will tell you the required amount for:</p>\r\n<p align=\"left\"> </p>\r\n<ul>\r\n<li>Down payment </li>\r\n<li>Loan origination </li>\r\n<li>Points, or loan discount fees, which you pay to receive a lower interest rate</li>\r\n<li>Home inspection </li>\r\n<li>Appraisal </li>\r\n<li>Credit report </li>\r\n<li>Private mortgage insurance premium</li>\r\n<li>Insurance escrow for homeowner’s insurance, if being paid as part of the mortgage</li>\r\n<li>Property tax escrow, if being paid as part of the mortgage. Lenders  keep funds for taxes and insurance in escrow accounts as they are paid  with the mortgage, then pay the insurance or taxes for you.</li>\r\n<li>Deed recording </li>\r\n<li>Title insurance policy premiums</li>\r\n<li>Land survey</li>\r\n<li>Notary fees</li>\r\n<li>Prorations for your share of costs, such as utility bills and property taxes</li>\r\n</ul>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\"><strong>A Note About Prorations</strong>: Because such  costs are usually paid on either a monthly or yearly basis, you might  have to pay a bill for services used by the sellers before they moved.  Proration is a way for the sellers to pay you back or for you to pay  them for bills they may have paid in advance. For example, the gas  company usually sends a bill each month for the gas used during the  previous month. But assume you buy the home on the 6<sup>th</sup> of the month. You would owe the gas company for only the days from the 6<sup>th</sup> to the end for the month. The seller would owe for the first five days.  The bill would be prorated for the number of days in the month, and  then each person would be responsible for the days of his or her  ownership.</p>\r\n<p align=\"left\">\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:37:04',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:37:04','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,11,'','',0,230,'robots=\nauthor='),(35,'How High Tech Home is Your Home?','how-high-tech-home-is-your-home','','<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>\r\n<hr />\r\n<p>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142</p>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>How High Tech Home is Your Home?</strong></h3>\r\n<p><br /> If the  latest technology or entertainment options are important in your new  home, add the following questions to your buyer’s checklist. <br /> <br /> <strong>1. </strong>Are there enough jacks in every room for cable TV and high-speed Internet hookups? <br /> <br /> <strong>2.</strong> Are there ample telephone extensions or jacks? <br /> <br /> <strong>3. </strong>Is the home pre-wired for home theater or multiroom audio and video? Does it have in-wall speakers?<br /> <br /> <strong>4.</strong> Does the home have a local area network (LAN) for linking computers?<br /> <br /> <strong>5.</strong> Does the home already have wiring for DSL or another high-speed Internet connection?<br /> <br /> <strong>6.</strong> Does the home have multizoning heating and cooling controls with programmable thermostats?<br /> <br /> <strong>7.</strong> Does the home have multiroom lighting controls, window-covering controls, or other home automation features?<br /> <br /> <strong>8.</strong> Is the home wired with multipurpose in-wall wiring that allows for reconfigurations to update services as technology changes?</p>\r\n<p> </p>\r\n<p>To rate the home on its technological sophistication, fill out the Consumer Electronics Association’s TechHome checklist at <a href=\"http://www.ce.org/techhomerating\" target=\"new\">www.ce.org/techhomerating</a>.</p>\r\n<p>\r\n<hr />\r\n</p>\r\n<p> </p>','',1,2,0,4,'2011-05-26 23:38:24',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:38:24','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,10,'','',0,241,'robots=\nauthor='),(36,'Pros and Cons of Going Condo','pros-and-cons-of-going-condo','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p>\r\n<hr />\r\n</p>\r\n<h3><strong>Pros and Cons of Going Condo</strong></h3>\r\n<p><strong> </strong></p>\r\n<p>Condominiums and townhouses offer an affordable option to  single-family homes in many markets, and they’re ideal for those who  appreciate a maintenance-free lifestyle. But before you buy, make sure  you do your legwork. These are some of the important elements to  consider:</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Storage.</strong> Some condos have storage lockers, but usually there are no attics or basements to hold extra belongings.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Outdoor space.</strong> Yards and outdoor areas are usually  smaller in condos, so if you like to garden or entertain outdoors, this  may not be a good fit. However, if you dread yard work, this may be the  perfect option for you.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Amenities.</strong> Many condo properties have swimming  pools, fitness centers, and other facilities that would be very  expensive in a single-family home.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Maintenance.</strong> Many condos have onsite maintenance  personnel to care for common areas, do repairs in your unit, and let in  workers when you’re not home — good news if you like to travel.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Security.</strong> Keyed entries and even doormen are common in many condos. You’re also closer to other people in case of an emergency. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Reserve funds and association fees.</strong> Although fees  generally help pay for amenities and provide savings for future repairs,  you will have to pay the fees decided by the condo board, whether or  not you’re interested in the amenity. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Resale.</strong> The ease of selling your unit may be  dependent on what else is for sale in your building, since units are  usually fairly similar. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Condo rules.</strong> Although you have a vote, the rules of  the condo association can affect your ability to use your property. For  example, some condos prohibit home-based businesses. Others prohibit  pets, or don’t allow owners to rent out their units. Read the covenants,  restrictions, and bylaws of the condo carefully before you make an  offer. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Neighbors.</strong> You’re much closer to your neighbors in a condo or town home. If possible, try to meet your closest prospective neighbors.</li>\r\n</ul>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:39:20',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:39:20','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,9,'','',0,220,'robots=\nauthor='),(37,'Questions to Ask When Choosing a REALTOR®','questions-to-ask-when-choosing-a-realtorr','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Questions to Ask When Choosing a REALTOR®</strong></h3>\r\n<p> </p>\r\n<p>Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.</p>\r\n<p> </p>\r\n<p><strong>1. How long have you been in residential real estate sales? Is it your full-time job?</strong> While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.</p>\r\n<p> </p>\r\n<p><strong>2. What designations do you hold?</strong> Designations such  as GRI and CRS® — which require that agents take additional, specialized  real estate training — are held by only about one-quarter of real  estate practitioners.</p>\r\n<p> </p>\r\n<p><strong>3. How many homes did you and your real estate brokerage sell last year? </strong>By asking this question, you’ll get a good idea of how much experience the practitioner has.</p>\r\n<p> </p>\r\n<p><strong>4. How many days did it take you to sell the average home? How did that compare to the overall market?</strong></p>\r\n<p>The REALTOR® you interview should have these facts on hand, and be  able to present market statistics from the local MLS to provide a  comparison.</p>\r\n<p> </p>\r\n<p><strong>5. How close to the initial asking prices of the homes you sold were the final sale prices? </strong>This  is one indication of how skilled the REALTOR® is at pricing homes and  marketing to suitable buyers. Of course, other factors also may be at  play, including an exceptionally hot or cool real estate market.</p>\r\n<p> </p>\r\n<p><strong>6. What types of specific marketing systems and approaches will you use to sell my home?</strong> You don’t want someone who’s going to put a For Sale sign in the yard  and hope for the best. Look for someone who has aggressive and  innovative approaches, and knows how to market your property  competitively on the Internet. Buyers today want information fast, so  it’s important that your REALTOR® is responsive.</p>\r\n<p> </p>\r\n<p><strong>7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction?</strong> While it’s usually legal to represent both parties in a transaction,  it’s important to understand where the practitioner’s obligations lie.  Your REALTOR® should explain his or her agency relationship to you and  describe the rights of each party.</p>\r\n<p> </p>\r\n<p><strong>8. Can you recommend service providers who can help me obtain  a mortgage, make home repairs, and help with other things I need done?</strong> Because REALTORS® are immersed in the industry, they’re wonderful  resources as you seek lenders, home improvement companies, and other  home service providers. Practitioners should generally recommend more  than one provider and let you know if they have any special relationship  with or receive compensation from any of the providers.</p>\r\n<p> </p>\r\n<p><strong>9. What type of support and supervision does your brokerage office provide to you?</strong> Having resources such as in-house support staff, access to a real  estate attorney, and assistance with technology can help an agent sell  your home.</p>\r\n<p> </p>\r\n<p><strong>10. What’s your business philosophy? </strong>While there’s  no right answer to this question, the response will help you assess  what’s important to the agent and determine how closely the agent’s  goals and business emphasis mesh with your own.</p>\r\n<p> </p>\r\n<p><strong>11. How will you keep me informed about the progress of my transaction? How frequently? </strong>Again,  this is not a question with a correct answer, but it reflects your  desires. Do you want updates twice a week or do you not want to be  bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a  personal visit?</p>\r\n<p> </p>\r\n<p><strong>12. Could you please give me the names and phone numbers of your three most recent clients?</strong></p>\r\n<p>Ask recent clients if they would work with this REALTOR® again. Find  out whether they were pleased with the communication style, follow-up,  and work ethic of the REALTOR®.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:40:39',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:40:39','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,8,'','',0,228,'robots=\nauthor='),(38,'Take the Stress Out of Homebuying','take-the-stress-out-of-homebuying','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Take the Stress Out of Homebuying</strong></h3>\r\n<p><br /> Buying a  home should be fun, not stressful. As you look for your dream home, keep  in mind these tips for making the process as peaceful as possible.</p>\r\n<p> </p>\r\n<p><strong>1. Find a real estate agent who you connect with. </strong>Home  buying is not only a big financial commitment, but also an emotional  one. It’s critical that the REALTOR® you chose is both highly skilled  and a good fit with your personality.<br /> <br /> <strong>2. Remember, there’s no “right” time to buy, just as there’s no perfect time to sell.</strong> If you find a home now, don’t try to second-guess interest rates or the  housing market by waiting longer — you risk losing out on the home of  your dreams. The housing market usually doesn’t change fast enough to  make that much difference in price, and a good home won’t stay on the  market long.<br /> <br /> <strong>3. Don’t ask for too many opinions.</strong> It’s natural to want reassurance for such a big decision, but too many  ideas from too many people will make it much harder to make a decision.  Focus on the wants and needs of your immediate family — the people who  will be living in the home.<br /> <br /> <strong>4. Accept that no house is ever perfect.</strong> If it’s in the right location, the yard may be a bit smaller than you  had hoped. The kitchen may be perfect, but the roof needs repair. Make a  list of your top priorities and focus in on things that are most  important to you. Let the minor ones go.<br /> <br /> <strong>5. Don’t try to be a killer negotiator.</strong> Negotiation is definitely a part of the real estate process, but trying  to “win” by getting an extra-low price or by refusing to budge on your  offer may cost you the home you love. Negotiation is give and take.<br /> <br /> <strong>6. Remember your home doesn’t exist in a vacuum.</strong> Don’t get so caught up in the physical aspects of the house itself —  room size, kitchen, etc. — that you forget about important issues as  noise level, location to amenities, and other aspects that also have a  big impact on your quality of life. <br /> <br /> <strong>7. Plan ahead.</strong> Don’t wait until you’ve found a home and made an offer to get approved  for a mortgage, investigate home insurance, and consider a schedule for  moving. Presenting an offer contingent on a lot of unresolved issues  will make your bid much less attractive to sellers. <br /> <br /> <strong>8. Factor in maintenance and repair costs in your post-home buying budget.</strong> Even if you buy a new home, there will be costs. Don’t leave yourself short and let your home deteriorate.<br /> <br /> <strong>9. Accept that a little buyer’s remorse is inevitable and will probably pass.</strong> Buying a home, especially for the first time, is a big financial  commitment. But it also yields big benefits. Don’t lose sight of why you  wanted to buy a home and what made you fall in love with the property  you purchased.<br /> <br /> <strong>10. Choose a home first because you love it; then think about appreciation.</strong> While U.S. homes have appreciated an average of 5.4 percent annually  over from 1998 to 2002, a home’s most important role is to serve as a  comfortable, safe place to live.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:42:10',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:42:10','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,7,'','',0,244,'robots=\nauthor='),(39,'Tips for Buying in a Tight Market','tips-for-buying-in-a-tight-market','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<h3>Tips for Buying in a Tight Market</h3>\r\n<p>Increase your chances of getting your dream house in a competitive  housing market, and lower your chances of losing out to another buyer.</p>\r\n<p> </p>\r\n<p><strong>1. Get prequalified for a mortgage.</strong> You’ll be able to make a firm commitment to buy and your offer will be more desirable to the seller.</p>\r\n<p> </p>\r\n<p><strong>2. Stay in close contact with your real estate agent to find out about the newest listings.</strong> Be ready to see a house as soon as it goes on the market — if it’s a great home, it will go fast.</p>\r\n<p> </p>\r\n<p><strong>3. Scout out new listings yourself.</strong> Look at Web  sites such as REALTOR.com, browse your local newspaper’s real estate  section, and drive through the neighborhood to spot For Sale signs. If  you see a home you like, write down the address and the name of the  listing agent. Your real estate agent will schedule a showing.</p>\r\n<p> </p>\r\n<p><strong>4. Be ready to make a decision. </strong>Spend a lot of time  in advance deciding what you must have in a home so you won’t be unsure  when you have the chance to make an offer.</p>\r\n<p> </p>\r\n<p><strong>5. Bid competitively.</strong> You may not want to start out  offering the absolute highest price you can afford, but don’t go too low  to get a deal. In a tight market, you’ll lose out.</p>\r\n<p> </p>\r\n<p><strong>6. Keep contingencies to a minimum.</strong> Restrictions  such as needing to sell your home before you move or wanting to delay  the closing until a certain date can make your offer unappealing. In a  tight market, you’ll probably be able to sell your house rapidly. Or  talk to your lender about getting a bridge loan to cover both mortgages  for a short period.</p>\r\n<p> </p>\r\n<p><strong>7. Don’t get caught in a buying frenzy.</strong> Just because  there’s competition doesn’t mean you should just buy it. And even  though you want to make your offer attractive, don’t neglect inspections  that help ensure that your house is sound.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:42:54',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:42:54','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,6,'','',0,273,'robots=\nauthor='),(40,'Tips for Finding the Perfect Neighborhood ','tips-for-finding-the-perfect-neighborhood-','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Tips for Finding the Perfect Neighborhood</strong></h3>\r\n<p><br /> Your neighborhood has a big impact on your lifestyle. Follow these steps to find the perfect community to call home.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Is it close to your favorite spots?</strong> Make a list of  the activities — movies, health club, church, etc. — you engage in  regularly and stores you visit frequently. See how far you would have to  travel from each neighborhood you’re considering to engage in your most  common activities.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Check out the school district.</strong> This is especially  important if you have children, but it also can affect resale value. The  Department of Education in your town can probably provide information  on test scores, class size, percentage of students who attend college,  and special enrichment programs. If you have school-age children, visit  schools in the neighborhoods you’re considering. Also, check out  www.schoolmatters.com.</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Find out if the neighborhood is safe. </strong>Ask the  police department for neighborhood crime statistics. Consider not only  the number of crimes but also the type — such as burglaries or armed  robberies — and the trend of increasing or decreasing crime. Also, is  crime centered in only one part of the neighborhood, such as near a  retail area? </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Determine if the neighborhood is economically stable.</strong> Check with your local city economic development office to see if income  and property values in the neighborhood are stable or rising. What is  the percentage of homes to apartments? Apartments don’t necessarily  diminish value, but do mean a more transient population. Do you see  vacant businesses or homes that have been for sale for months?</li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>See if you’ll make money.</strong> Ask a local REALTOR® or  call the local REALTOR® association to get information about price  appreciation in the neighborhood. Although past performance is no  guarantee of future results, this information may give you a sense of  how good of an investment your home will be. A REALTOR® or the  government planning agency also may be able to tell you about planned  developments or other changes in the neighborhood — like a new school or  highway — that might affect value. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Make personal observations.</strong> Once you’ve narrowed  your focus to two or three neighborhoods, go there and walk around. Are  homes tidy and well maintained? Are streets quiet? How does it feel?  Pick a warm day if you can and chat with people working or playing  outside.</li>\r\n</ul>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:43:48',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:43:48','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,5,'','',0,229,'robots=\nauthor='),(41,'What a Home Inspection Should Cover','what-a-home-inspection-should-cover','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>What a Home Inspection Should Cover</strong></h3>\r\n<p><strong> </strong><br /> Home inspections will vary depending on the type of property you are  purchasing. A large historic home, for example, will require a more  specialized inspection than a small condominium. However, the following  are the basic elements that a home inspector will check. You can also  use this list to help you evaluate properties you might purchase.</p>\r\n<p> </p>\r\n<p>For more information, try the virtual home inspection at <a href=\"http://www.ashi.org/\">www.ASHI.org</a>, the Web site of the American Society of Home Inspectors.</p>\r\n<p> </p>\r\n<p><strong>Structure: </strong>A home’s skeleton impacts how the  property stands up to weather, gravity, and the earth. Structural  components, including the foundation and the framing, should be  inspected.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>Exterior: </strong>The inspector should look at sidewalks,  driveways, steps, windows, and doors. A home’s siding, trim, and surface  drainage also are part of an exterior inspection.</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Doors and windows</strong></li>\r\n<li><strong>Siding (brick, stone, stucco, vinyl, wood, etc.)</strong></li>\r\n<li><strong>Driveways/sidewalks</strong></li>\r\n<li><strong>Attached porches, decks, and balconies</strong></li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Roofing</strong>: A well-maintained roof protects you from  rain, snow, and other forces of nature. Take note of the roof’s age,  conditions of flashing, roof draining systems (pooling water), buckled  shingles, loose gutters and downspouts, skylight, and chimneys.</p>\r\n<p> </p>\r\n<p><strong>Plumbing:</strong> Thoroughly examine the water supply and  drainage systems, water heating equipment, and fuel storage systems.  Drainage pumps and sump pumps also fall under this category. Poor water  pressure, banging pipes, rust spots, or corrosion can indicate problems.</p>\r\n<p> </p>\r\n<p><strong>Electrical:</strong> Safe electrical wiring is essential.  Look for the condition of service entrance wires, service panels,  breakers and fuses, and disconnects. Also take note of the number of  outlets in each room.</p>\r\n<p> </p>\r\n<p><strong>Heating: </strong>The home’s heating system, vent system,  flues, and chimneys should be inspected. Look for age of water heater,  whether the size is adequate for the house, speed of recovery, and  energy rating.<br /> <br /></p>\r\n<p><strong>Air Conditioning:</strong> Your inspector should describe  your home cooling system, its energy source, and inspect the central and  through-wall cooling equipment. Consider the age and energy rating of  the system.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>Interiors:</strong> An inspection of the inside of the home  can reveal plumbing leaks, insect damage, rot, construction defects, and  other issues. An inspector should take a close look at:</p>\r\n<p> </p>\r\n<ul>\r\n<li><strong>Walls, ceilings and floors</strong></li>\r\n<li><strong>Steps, stairways, and railings</strong></li>\r\n<li><strong>Countertops and cabinets</strong></li>\r\n<li><strong>Garage doors and garage door systems</strong></li>\r\n</ul>\r\n<p><strong> </strong></p>\r\n<p><strong>Ventilation/insulation:</strong> To prevent energy loss,  check for adequate insulation and ventilation in the attic and in  unfinished areas such as crawlspaces. Also look for proper, secured  insulation in walls. Insulation should be appropriate for the climate.  Excess moisture in the home can lead to mold and water damage.</p>\r\n<p> </p>\r\n<p><strong>Fireplaces: </strong>They’re charming, but they could be  dangerous if not properly installed. Inspectors should examine the  system, including the vent and flue, and describe solid fuel burning  appliances.</p>\r\n<p> </p>\r\n<p><em>Source: American Society of Home Inspectors (www.AHSI.org)</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:44:40',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:44:40','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,4,'','',0,879,'robots=\nauthor='),(42,'What Not to Overlook on a Final Walk-through','what-not-to-overlook-on-a-final-walk-through','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>What Not to Overlook on a Final Walk-through</strong></h3>\r\n<p align=\"left\"><strong> </strong></p>\r\n<p align=\"left\">It’s guaranteed to be hectic right before closing, but  you should always make time for a final walk-through. Your goal is to  make sure that your home is in the same condition you expected it would  be. Ideally, the sellers already have moved out. This is your last  chance to check that appliances are in working condition and that  agreed-upon repairs have been made. Here’s a detailed list of what not  to overlook for on your final walk-through.</p>\r\n<p align=\"left\"> </p>\r\n<p align=\"left\">Make sure that:</p>\r\n<p align=\"left\"> </p>\r\n<ul>\r\n<li>Repairs you’ve requested have been made. Obtain copies of paid bills and warranties.</li>\r\n<li>There are no major changes to the property since you last viewed it.</li>\r\n<li>All items that were included in the sale price — draperies, lighting fixtures, etc. — are still there.</li>\r\n<li>Screens and storm windows are in place or stored.</li>\r\n<li>All appliances are operating, such as the dishwasher, washer and dryer, oven, etc. </li>\r\n<li>Intercom, doorbell, and alarm are operational.</li>\r\n<li>Hot water heater is working.</li>\r\n<li>No plants or shrubs have been removed from the yard.</li>\r\n<li>Heating and air conditioning system is working</li>\r\n<li>Garage door opener and other remotes are available.</li>\r\n<li>Instruction books and warranties on appliances and fixtures are available.</li>\r\n<li>All personal items of the sellers and all debris have been removed.  Check the basement, attic, and every room, closet, and crawlspace.</li>\r\n</ul>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:45:34',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:45:34','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,3,'','',0,730,'robots=\nauthor='),(43,'What’s a Home Warranty?','whats-a-home-warranty','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>What’s a Home Warranty?</strong></h3>\r\n<p> </p>\r\n<p>A home warranty is a service contract, normally for one year, which  helps protect home owners against the cost of unexpected covered repairs  or replacement on their major systems and appliances that break down  due to normal wear and tear. Coverage is for systems and appliances in  good working order at the start of the contract.</p>\r\n<p> </p>\r\n<p>Check your home warranty policy to see which of the following items  are covered. Also find out if the policy covers the full replacement  cost of an item.</p>\r\n<p> </p>\r\n<ul>\r\n<li>Plumbing</li>\r\n<li>Electrical systems</li>\r\n<li>Furnace</li>\r\n<li>Water heater</li>\r\n<li>Heating ducts</li>\r\n<li>Water pump</li>\r\n<li>Dishwasher</li>\r\n<li>Garbage disposal</li>\r\n<li>Stove/cooktop/ovens</li>\r\n<li>Microwave</li>\r\n<li>Refrigerator</li>\r\n<li>Washer/dryer</li>\r\n<li>Swimming pool (may be optional)</li>\r\n</ul>\r\n<p> </p>\r\n<p><em>Source: American Home Shield, <a href=\"http://www.ahswarranty.com/\">www.ahswarranty.com</a>, REALTOR® Benefits Partner</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>','',1,2,0,4,'2011-05-26 23:46:31',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:46:31','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,2,'','',0,963,'robots=\nauthor='),(44,'Why You Should Work With a REALTOR®','why-you-should-work-with-a-realtorr','','<p>\r\n<hr />\r\n</p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong>\r\n<hr />\r\n</strong></p>\r\n<p><strong> </strong></p>\r\n<h3><strong>Why You Should Work With a REALTOR®</strong></h3>\r\n<p> </p>\r\n<p>Not all real estate practitioners are REALTORS®. The term REALTOR® is  a registered trademark that identifies a real estate professional who  is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to  its strict Code of Ethics. Here are five reasons why it pays to work  with a REALTOR®.</p>\r\n<p> </p>\r\n<p><strong>1. You’ll have an expert to guide you through the process.</strong> Buying or selling a home usually requires disclosure forms, inspection  reports, mortgage documents, insurance policies, deeds, and multi-page  settlement statements. A knowledgeable expert will help you prepare the  best deal, and avoid delays or costly mistakes.</p>\r\n<p> </p>\r\n<p><strong>2. Get objective information and opinions.</strong> REALTORS®  can provide local community information on utilities, zoning, schools,  and more. They’ll also be able to provide objective information about  each property. A professional will be able to help you answer these two  important questions: Will the property provide the environment I want  for a home or investment? Second, will the property have resale value  when I am ready to sell?</p>\r\n<p> </p>\r\n<p><strong>3. Find the best property out there. </strong>Sometimes the  property you are seeking is available but not actively advertised in the  market, and it will take some investigation by your REALTOR® to find  all available properties.</p>\r\n<p> </p>\r\n<p><strong>4. Benefit from their negotiating experience. </strong>There  are many negotiating factors, including but not limited to price,  financing, terms, date of possession, and inclusion or exclusion of  repairs, furnishings, or equipment. In addition, the purchase agreement  should provide a period of time for you to complete appropriate  inspections and investigations of the property before you are bound to  complete the purchase. Your agent can advise you as to which  investigations and inspections are recommended or required.</p>\r\n<p> </p>\r\n<p><strong>5.  Property marketing power. </strong>Real estate doesn’t  sell due to advertising alone. In fact, a large share of real estate  sales comes as the result of a practitioner’s contacts through previous  clients, referrals, friends, and family. When a property is marketed  with the help of a REALTOR®, you do not have to allow strangers into  your home. Your REALTOR® will generally prescreen and accompany  qualified prospects through your property.</p>\r\n<p> </p>\r\n<p><strong>6. Real estate has its own language.</strong> If you don’t  know a CMA from a PUD, you can understand why it’s important to work  with a professional who is immersed in the industry and knows the real  estate language.</p>\r\n<p> </p>\r\n<p><strong>7. REALTORS® have done it before.</strong> Most people buy  and sell only a few homes in a lifetime, usually with quite a few years  in between each purchase. And even if you’ve done it before, laws and  regulations change. REALTORS®, on the other hand, handle hundreds of  real estate transactions over the course of their career. Having an  expert on your side is critical.</p>\r\n<p> </p>\r\n<p><strong>8. Buying and selling is emotional.</strong> A home often  symbolizes family, rest, and security — it’s not just four walls and a  roof. Because of this, home buying and selling can be an emotional  undertaking. And for most people, a home is the biggest purchase they’ll  ever make. Having a concerned, but objective, third party helps you  stay focused on both the emotional and financial issues most important  to you.</p>\r\n<p> </p>\r\n<p><strong>9. Ethical treatment.</strong> Every member of the NATIONAL  ASSOCIATION of REALTORS® makes a commitment to adhere to a strict Code  of Ethics, which is based on professionalism and protection of the  public. As a customer of a REALTOR®, you can expect honest and ethical  treatment in all transaction-related matters. It is mandatory for  REALTORS® to take the Code of Ethics orientation and they are also  required to complete a refresher course every four years.</p>\r\n<p>\r\n<hr />\r\n</p>','',1,2,0,4,'2011-05-26 23:47:28',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-26 23:47:28','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,1,'','',0,487,'robots=\nauthor='),(45,'Mid Tennessee County Map','mid-tennessee-county-map','','<p><img src=\"images/stories/tn-counties-map1.jpg\" border=\"0\" alt=\"County Map Middle Tennessee\" title=\"County Map Middle Tennessee\" /></p>','',1,0,0,0,'2011-05-27 16:11:28',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-27 16:11:28','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,1,'','',0,0,'robots=\nauthor='),(46,'House Logic Resources','house-logic-resources','','<h3 style=\"text-align: center;\">A NEW consumer website brought to you by the NATIONAL ASSOCIATION OF REALTORS®</h3>\r\n<h3><br />HouseLogic is the homeowners’ single source for information and tools to help you make smart decisions on how to protect, maintain, and increase the value of your home. Get started</h3>\r\n<h2 style=\"text-align: center;\"><span style=\"color: #993300;\">HouseLogic can help manage every aspect of your home... and it’s free!</span></h2>\r\n<p> </p>\r\n<h3>TRACK YOUR PROGRESS</h3>\r\n<p>Your free HouseLogic account gives you access to your own electronic binder. Use it to set goals for saving money and increasing your home’s value—and to monitor your progress; save relevant articles; create to-do lists; and set deadline reminders.</p>\r\n<p> </p>\r\n<h3>MAKE THE RIGHT FINANCIAL DECISIONS</h3>\r\n<p>Managing your home goes beyond its structures and systems. From mortgages and insurance to tax credits and incentives, HouseLogic provides the financial insights that help you make responsible decisions.</p>\r\n<p> </p>\r\n<h3>IMPROVE AND MAINTAIN</h3>\r\n<p>From appliances to windows and bathrooms to kitchens, gather all the insights you need to make confident decisions about remodeling projects and regular maintenance to realize your goals, savings, and payoffs.</p>\r\n<p> </p>\r\n<p style=\"text-align: center;\">\r\n<object id=\"HouseLogicWidget\" width=\"650\" height=\"280\" data=\"http://www.houselogic.com/media/flash/HouseLogicWidget.swf\" type=\"application/x-shockwave-flash\">\r\n<param name=\"name\" value=\"HouseLogicWidget\" />\r\n<param name=\"menu\" value=\"false\" />\r\n<param name=\"allowscriptaccess\" value=\"always\" />\r\n<param name=\"flashvars\" value=\"isBox=0\" />\r\n<param name=\"src\" value=\"http://www.houselogic.com/media/flash/HouseLogicWidget.swf\" />\r\n</object>\r\n</p>','',1,1,0,3,'2011-05-27 19:55:26',62,'','2011-05-27 20:13:03',62,0,'0000-00-00 00:00:00','2011-05-27 19:55:26','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',9,0,1,'','',0,621,'robots=\nauthor='),(47,'Sellers Resources Main','sellers-resources-main','','<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Feng Shui Concepts to Help a Home Sell</strong><br /> <br /> To put the best face on a listing and appeal to buyers who follow feng shui principles, keep these tips in mind.<br /> <br /> <strong>1. </strong>Pay special attention to the front door, which is considered the “mouth of chi” (chi is the “life force” of all things) and one of the most powerful aspects of the entire property. Abundance, blessings, opportunities, and good fortune enter through the front door. It’s also the first impression buyers have of how well the sellers have taken care of the rest of the property. Make sure the area around the front door is swept clean, free of cobwebs and clutter. Make sure all lighting is straight and properly hung. Better yet, light the path leading up to the front door to create an inviting atmosphere.<br /> <br /> <strong>2.</strong> Chi energy can be flushed away wherever there are drains in the home. To keep the good forces of a home in, always keep the toilet seats down and close the doors to bathrooms.<br /> <br /> <strong>3.</strong> The master bed should be in a place of honor, power, and protection, which is farthest from and facing toward the entryway of the room. It’s even better if you can place the bed diagonally in the farthest corner. Paint the room in colors that promote serenity, relaxation, and romance, such as soft tones of green, blue, and lavender.<br /> <br /> <strong>4.</strong> The dining room symbolizes the energy and power of family togetherness. Make sure the table is clear and uncluttered during showings. Use an attractive tablecloth to enhance the look of the table while also softening sharp corners.<br /> <br /> <strong>5.</strong> The windows are considered to be the eyes of the home. Getting the windows professionally cleaned will make the home sparkle and ensure that the view will be optimally displayed.<br /> <br /> <em>Source: </em>Sell Your Home Faster With Feng Shui<em> by Holly Ziegler (Dragon Chi Publications, 2001)</em></p>\r\n<p><em>\r\n<hr />\r\n<br /></em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Things to do Before Putting Your Home on the Market</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Have a pre-sale home inspection.</strong> Be proactive by arranging for a pre-sale home inspection. An inspector will be able to give you a good indication of the trouble areas that will stand out to potential buyers, and you’ll be able to make repairs before open houses begin.</p>\r\n<p> </p>\r\n<p><strong>2. Organize and clean.</strong> Pare down clutter and pack up your least-used items, such as large blenders and other kitchen tools, out-of-season clothes, toys, and exercise equipment. Store items off-site or in boxes neatly arranged in the garage or basement. Clean the windows, carpets, walls, lighting fixtures, and baseboards to make the house shine.</p>\r\n<p> </p>\r\n<p><strong>3. Get replacement estimates.</strong> Do you have big-ticket items that are worn our or will need to be replaced soon, such your roof or carpeting? Get estimates on how much it would cost to replace them, even if you don’t plan to do it yourself. The figures will help buyers determine if they can afford the home, and will be handy when negotiations begin.</p>\r\n<p> </p>\r\n<p><strong>4. Find your warranties.</strong> Gather up the warranties, guarantees, and user manuals for the furnace, washer and dryer, dishwasher, and any other items that will remain with the house.</p>\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><em> </em></p>\r\n<p><strong>5. Spruce up the curb appeal.</strong> Pretend you’re a buyer and stand outside of your home. As you approach the front door, what is your impression of the property? Do the lawn and bushes look neatly manicured? Is the address clearly visible? Are pretty flowers or plants framing the entrance? Is the walkway free from cracks and impediments?</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>8 Reasons Why You Should Work With a REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.</p>\r\n<p> </p>\r\n<p><strong>1. Navigate a complicated process.</strong> Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.</p>\r\n<p> </p>\r\n<p><strong>2. Information and opinions.</strong> REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?</p>\r\n<p> </p>\r\n<p><strong>3. Help finding the best property out there. </strong>Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.</p>\r\n<p> </p>\r\n<p><strong>4. Negotiating skills. </strong>There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.</p>\r\n<p> </p>\r\n<p><strong>5.  Property marketing power. </strong>Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.</p>\r\n<p> </p>\r\n<p><strong>6. Someone who speaks the language.</strong> If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.</p>\r\n<p> </p>\r\n<p><strong>7. Experience.</strong> Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. Even if you have done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.</p>\r\n<p> </p>\r\n<p><strong>8. Objective voice.</strong> A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, homebuying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll every make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>12 Questions to Ask When Choosing Your REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Make sure you choose a REALTOR® who will provide top-notch service and meet your unique needs.</p>\r\n<p> </p>\r\n<p><strong>1. How long have you been in residential real estate sales? Is it your full-time job?</strong> While experience is no guarantee of skill, real estate — like many other professions — is mostly learned on the job.</p>\r\n<p> </p>\r\n<p><strong>2. What designations do you hold?</strong> Designations such as GRI and CRS®, which require that agents take additional, specialized real estate training, are held only by about one-quarter of real estate practitioners.</p>\r\n<p> </p>\r\n<p><strong>3. How many homes did you and your real estate brokerage sell last year? </strong>By asking this question, you’ll get a good idea of how much experience the practitioner has.</p>\r\n<p> </p>\r\n<p><strong>4. How many days did it take you to sell the average home? How did that compare to the overall market? </strong> The REALTOR® you interview should have these facts on hand, and be able to present market statistics from the local MLS to provide a comparison.</p>\r\n<p> </p>\r\n<p><strong>5. How close to the initial asking prices of the homes you sold were the final sale prices? </strong>This is one indication of how skilled the REALTOR® is at pricing homes and marketing to suitable buyers. Of course, other factors also may be at play, including an exceptionally hot or cool real estate market.</p>\r\n<p> </p>\r\n<p><strong>6. What types of specific marketing systems and approaches will you use to sell my home?</strong> You don’t want someone who’s going to put a For Sale sign in the yard and hope for the best. Look for someone who has aggressive and innovative approaches, and knows how to market your property competitively on the Internet. Buyers today want information fast, so it’s important that your REALTOR® is responsive.</p>\r\n<p> </p>\r\n<p><strong>7. Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction?</strong> While it’s usually legal to represent both parties in a transaction, it’s important to understand where the practitioner’s obligations lie. Your REALTOR® should explain his or her agency relationship to you and describe the rights of each party.</p>\r\n<p> </p>\r\n<p><strong>8. Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done?</strong> Because REALTORS® are immersed in the industry, they’re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.</p>\r\n<p> </p>\r\n<p><strong>9. What type of support and supervision does your brokerage office provide to you?</strong> Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent sell your home.</p>\r\n<p> </p>\r\n<p><strong>10. What’s your business philosophy?</strong> While there’s no right answer to this question, the response will help you assess what’s important to the agent and determine how closely the agent’s goals and business emphasis mesh with your own.</p>\r\n<p> </p>\r\n<p><strong>11. How will you keep me informed about the progress of my transaction? How frequently? </strong>Again, this is not a question with a correct answer, but how you judge the response will reflect your own desires. Do you want updates twice a week or do you prefer not to be bothered unless there’s a hot prospect? Do you prefer phone, e-mail, or a personal visit?</p>\r\n<p> </p>\r\n<p><strong>12. Could you please give me the names and phone numbers of your three most recent clients? </strong>Ask recent clients if they would work with this REALTOR® again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the REALTOR®.</p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Checklist: 17 Service Providers You’ll Need When You Sell </strong></p>\r\n<p><strong> </strong></p>\r\n<p>□         Real estate attorney</p>\r\n<p>□         Appraiser</p>\r\n<p>□         Home inspector</p>\r\n<p>□         Mortgage loan officer</p>\r\n<p>□         Environmental specialist</p>\r\n<p>□         Lead paint inspector</p>\r\n<p>□         Radon inspector</p>\r\n<p>□         Tax adviser</p>\r\n<p>□         Sanitary systems expert</p>\r\n<p>□         Occupancy permit inspector</p>\r\n<p>□         Zoning inspector</p>\r\n<p>□         Survey company</p>\r\n<p>□         Flood plain inspector</p>\r\n<p>□         Termite inspector</p>\r\n<p>□         Title company</p>\r\n<p>□         Insurance consultant</p>\r\n<p>□         Moving company</p>\r\n<p> </p>\r\n<p><em>Used with permission from Kim Daugherty, Real Estate Checklists and Systems, www.realestatechecklists.com.</em></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Does Moving Up Make Sense? </strong></p>\r\n<p><strong> </strong></p>\r\n<p>These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, it’s a sign that you may be ready to move.</p>\r\n<p> </p>\r\n<p><strong>1. Have you built substantial equity in your current home?</strong> Look at your annual mortgage statement or call your lender to find out. Usually, you don’t build up much equity in the first few years of your mortgage, as monthly payments are mostly interest, but if you’ve owned your home for five or more years, you may have significant, unrealized gains.</p>\r\n<p> </p>\r\n<p><strong>2. Has your income or financial situation improved?</strong> If you’re making more money, you may be able to afford higher mortgage payments and cover the costs of moving.</p>\r\n<p> </p>\r\n<p><strong>3. Have you outgrown your neighborhood? </strong>The neighborhood you pick for your first home might not be the same neighborhood you want to settle down in for good. For example, you may have realized that you’d like to be closer to your job or live in a better school district.</p>\r\n<p> </p>\r\n<p><strong>4. Are there reasons why you can’t remodel or add on?</strong> Sometimes you can create a bigger home by adding a new room or building up. But if your property isn’t large enough, your municipality doesn’t allow it, or you’re simply not interested in remodeling, then moving to a bigger home may be your best option.</p>\r\n<p> </p>\r\n<p><strong>5. Are you comfortable moving in the current housing market?</strong> If your market is hot, your home may sell quickly and for top dollar, but the home you buy also will be more expensive. If your market is slow, finding a buyer may take longer, but you’ll have more selection and better pricing as you seek your new home.</p>\r\n<p> </p>\r\n<p><strong>6. Are interest rates attractive?</strong> A low rate not only helps you buy a larger home, but also makes it easier to find a buyer.</p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Forms You’ll Need to Sell Your Home</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Property disclosure form.</strong> This form requires you to reveal all known defects to your property. Check with your state government to see if there is a special form required in your state.</p>\r\n<p> </p>\r\n<p><strong>2. Purchasers access to premises agreement.</strong> This agreement sets conditions for permitting the buyer to enter your home for activities such as measuring for draperies before you move.</p>\r\n<p> </p>\r\n<p><strong>3. Sales contract.</strong> The agreement between you and the seller on terms and conditions of sale. Again, check with your state real estate department to see if there is a required form.</p>\r\n<p> </p>\r\n<p><strong>4. Sales contract contingency clauses.</strong> In addition to the contract, you may need to add one or more attachments to the contract to address special contingencies — such as the buyer’s need to sell a home before purchasing yours.</p>\r\n<p> </p>\r\n<p><strong>5. Pre- and post-occupancy agreements.</strong> Unless you’re planning on moving out and the buyer moving in on the day of closing, you’ll need an agreement on the terms and costs of occupancy once the sale closes.</p>\r\n<p> </p>\r\n<p><strong>6. Lead-based paint disclosure pamphlet</strong>. If your home was built before 1978, you must provide the pamphlet to all sellers. You must also have buyers sign a statement indicating they received the pamphlet.</p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Open House Safety Tips</strong></p>\r\n<p> </p>\r\n<p>An open house can be a great sales tool, but it also exposes you to numerous unfamiliar people for the first time. Stay safe by practicing these guidelines.</p>\r\n<p> </p>\r\n<ul>\r\n<li>Call the local police department      and ask them to have a squad care drive by during your open-house hours.</li>\r\n<li>Check your cell phone’s strength      and signal prior to the open house. Have emergency numbers programmed on      speed dial. Carry an extra, fully charged cell phone battery.</li>\r\n<li>Determine several “escape” routes      that you can use in case of an emergency. Make sure all deadbolt locks are      unlocked to facilitate a faster escape.</li>\r\n<li>Turn on the lights and open the      curtains. These are not only sound safety procedures, but also great      marketing tactics.</li>\r\n<li>Make sure that if you were to      escape by the back door, you could escape from the backyard. Frequently,      high fences surround yards that contain swimming pools or hot tubs.</li>\r\n<li>When prospective buyers begin to      arrive, jot down their car descriptions, license numbers and physical      descriptions.</li>\r\n<li>When showing the house, always      walk behind the prospect. Direct them; don’t lead them. Say, for example,      “The kitchen is on your left,” and gesture for them to go ahead of you.</li>\r\n<li>Notify a friend or a relative      that you will be calling in every hour on the hour. And if you don’t call,      they are to notify the police immediately.</li>\r\n<li>Inform a neighbor that you will      be showing the house and ask if he or she would keep an eye and ear open      for anything out of the ordinary.</li>\r\n</ul>\r\n<p> </p>\r\n<p><em>Source: National Association of REALTORS® Safety Week kit</em></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>How to Get an Offer on Your Home</strong><br /> <br /> <strong>1. Price it right.</strong> Set a price at the lower end of your property’s realistic price range.<br /> <br /> <strong>2. Prepare for visitors.</strong> Get your house market ready at least two weeks before you begin showing it.<br /> <br /> <strong>3. Be flexible about showings.</strong> It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you’ll find a buyer. <br /> <br /> <strong>4. Anticipate the offers.</strong> Decide in advance what price and terms you’ll find acceptable. <br /> <br /> <strong>5. Don’t refuse to drop the price. </strong>If your home has been on the market for more than 30 days without an offer, you should be prepared to at least consider lowering your asking price.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Moving Checklist for Sellers</strong></p>\r\n<p> </p>\r\n<p>□         Provide the post office with your forwarding address two to four weeks ahead of the move.</p>\r\n<p> </p>\r\n<p>□         Notify your credit card companies, magazine subscriptions, and bank of your change of address.</p>\r\n<p> </p>\r\n<p>□         Create a list of friends, relatives, and business colleagues who need to be notified about your move.</p>\r\n<p> </p>\r\n<p>□         Arrange to disconnect utilities and have them connected at your new home.</p>\r\n<p> </p>\r\n<p>□         Cancel the newspaper, or change the address so it will arrive at your new home.</p>\r\n<p> </p>\r\n<p>□         Check insurance coverage for the items you’re moving. Usually movers only cover what they pack.</p>\r\n<p> </p>\r\n<p>□         Clean out appliances and prepare them for moving, if applicable.</p>\r\n<p> </p>\r\n<p>□         Note the weight of the goods you’ll have moved, since long-distance moves are usually billed according to</p>\r\n<p>weight. Watch for movers that use excessive padding to add weight.</p>\r\n<p> </p>\r\n<p>□         Check with your condo or co-op about any restrictions on using the elevator or particular exits for moving.</p>\r\n<p> </p>\r\n<p>□         Have a “first open” box with the things you’ll need most, such as toilet paper, soap, trash bags, scissors,</p>\r\n<p>hammer, screwdriver, pencils and paper, cups and plates, water, snacks, and toothpaste.<br /> <br /></p>\r\n<p><strong>Plus, if you’re moving out of town, be sure to: <br /> <br /> </strong></p>\r\n<p>□         Get copies of medical and dental records and prescriptions for your family and your pets.</p>\r\n<p> </p>\r\n<p>□         Get copies of children’s school records for transfer.</p>\r\n<p> </p>\r\n<p>□         Ask friends for introductions to anyone they know in your new neighborhood.</p>\r\n<p> </p>\r\n<p>□         Consider special car needs for pets when traveling.</p>\r\n<p> </p>\r\n<p>□         Let a friend or relative know your route.</p>\r\n<p> </p>\r\n<p>□         Empty your safety deposit box.</p>\r\n<p> </p>\r\n<p>□         Put plants in boxes with holes for air circulation if you’re moving in cold weather.<br /> <br /></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Simple Tips for Better Home Showings</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Remove clutter and clear off counters. </strong>Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too.<br /> <br /> <strong>2. Wash your windows and screens.</strong> This will help get more light into the interior of the home.<br /> <br /> <strong>3. Keep everything extra clean. </strong>A clean house will make a strong first impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.<br /> <br /> <strong>4. Get rid of smells.</strong> Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows to air out the house. Potpourri or scented candles will help.<br /> <br /> <strong>5. Brighten your rooms.</strong> Put higher wattage bulbs in light fixtures to brighten up rooms and basements. Replace any burned-out bulbs in closets. Clean the walls, or better yet, brush on a fresh coat of neutral color paint.<br /> <br /> <strong>6. Don’t disregard minor repairs.</strong> Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well-maintained. <br /> <br /> <strong>7. Tidy your yard.</strong> Cut the grass, rake the leaves, add new mulch, trim the bushes, edge the walkways, and clean the gutters. For added curb appeal, place a pot of bright flowers near the entryway.<br /> <br /> <strong>8. Patch holes</strong>. Repair any holes in your driveway and reapply sealant, if applicable.</p>\r\n<p> </p>\r\n<p><strong>9. Add a touch of color in the living room.</strong> A colored afghan or throw on the couch will jazz up a dull room. Buy new accent pillows for the sofa.</p>\r\n<p><br /> <strong>10. Buy a flowering plant and put it near a window you pass by frequently.</strong></p>\r\n<p><br /> <strong>11. Make centerpieces for your tables. </strong>Use brightly colored fruit or flowers.</p>\r\n<p> </p>\r\n<p><strong>12. Set the scene. </strong>Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers picture living there. For example, in the basement you might display a chess game in progress. <br /> <br /></p>\r\n<p><strong>13. Replace heavy curtains with sheer ones that let in more light.</strong> Show off the view if you have one.</p>\r\n<p><br /> <strong>14.</strong> <strong>Accentuate the fireplace. </strong>Lay fresh logs in the fireplace or put a basket of flowers there if it’s not in use.<br /> <br /></p>\r\n<p><strong>15. Make the bathrooms feel luxurious. </strong>Put away those old towels and toothbrushes. When buyers enter your bathroom, they should feel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight.</p>\r\n<p> </p>\r\n<p><strong>16. Send your pets to a neighbor or take them outside. </strong>If that’s not possible, crate them or confine them to one room (ideally in the basement), and let the real estate practitioner know where they’ll be to eliminate surprises.</p>\r\n<p> </p>\r\n<p><strong>17. Lock up valuables, jewelry, and money. </strong>While a real estate salesperson will be on site during the showing or open house, it’s impossible to watch everyone all the time.</p>\r\n<p> </p>\r\n<p><strong>18. Leave the home.</strong> It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there.</p>\r\n<p> </p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Low-Cost Ways to Spruce Up Your Home’s Exterior</strong><br /> <br /> Make your home more appealing for yourself and potential buyers with these quick and easy tips: <br /> <br /></p>\r\n<p><strong>1. </strong>Trim bushes so they don’t block windows or architectural details.</p>\r\n<p><strong><br /> 2. </strong>Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle.</p>\r\n<p><strong><br /> 3. </strong>Put a pot of bright flowers (or a small evergreen in winter) on your porch.</p>\r\n<p><br /> <strong>4.</strong> Install new doorknobs on your front door.</p>\r\n<p><strong><br /> 5. </strong>Repair any cracks in the driveway.</p>\r\n<p><strong><br /> 6. </strong>Edge the grass around walkways and trees.</p>\r\n<p><strong><br /> 7. </strong>Keep your garden tools and hoses out of sight.<br /> <br /></p>\r\n<p><strong>8. </strong>Clear toys from the lawn.</p>\r\n<p><strong><br /> 9. </strong>Buy a new mailbox.</p>\r\n<p><strong><br /> 10. </strong>Upgrade your outside lighting.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>11. </strong>Buy a new doormat for the outside of your front door.</p>\r\n<p><strong><br /> 12. </strong>Clean your windows, inside and outside.</p>\r\n<p><strong><br /> 13. </strong>Polish or replace your house numbers.</p>\r\n<p><strong><br /> 14. </strong>Place a seasonal wreath on your door.</p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>12 Tips for Hiring a Remodeling Contractor</strong><br /> <br /> <strong>1.</strong> Get at least three written estimates.</p>\r\n<p><br /> <strong>2.</strong> Check references. If possible, view earlier jobs the contractor completed.</p>\r\n<p><br /> <strong>3.</strong> Check with the local Chamber of Commerce or Better Business Bureau for complaints.</p>\r\n<p><br /> <strong>4.</strong> Be sure the contract states exactly what is to be done and how change orders will be handled.</p>\r\n<p><br /> <strong>5.</strong> Make as small of a down payment as possible so you won’t lose a lot if the contractor fails to complete the job.</p>\r\n<p><br /> <strong>6. </strong>Be sure that the contractor has the necessary permits, licenses, and insurance.</p>\r\n<p><br /> <strong>7.</strong> Check that the contract states when the work will be completed and what recourse you have if it isn’t. Also, remember that in many instances you can cancel a contract within three business days of signing it.</p>\r\n<p><br /> <strong>8. </strong>Ask if the contractor’s workers will do the entire job or whether subcontractors will be involved too.</p>\r\n<p><br /> <strong>9. </strong>Get the contractor to indemnify you if work does not meet any local building codes or regulations.</p>\r\n<p><br /> <strong>10.</strong> Be sure that the contract specifies the contractor will clean up after the job and be responsible for any damage.</p>\r\n<p><br /> <strong>11. </strong>Guarantee that the materials that will be used meet your specifications.</p>\r\n<p><br /> <strong>12.</strong> Don’t make the final payment until you’re satisfied with the work.<br /> <br /></p>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Understanding Capital Gains in Real Estate</strong><br /> <br /> When you sell a stock, you owe taxes on your gain — the difference between what you paid for the stock and what you sold it for. The same holds true when selling a home (or a second home), but there are some special considerations.<br /> <br /> <strong>How to Calculate Gain</strong><br /> In real estate, capital gains are based not on what you paid for the home, but on its adjusted cost basis. To calculate, follow these steps:<br /> <br /> <strong>1. Purchase price: </strong>_______________________</p>\r\n<p> </p>\r\n<p>The purchase price of the home is the sale price, not the amount of money you actually contributed at closing. <br /> <br /></p>\r\n<p><br /> <strong>2. Total adjustments: _</strong>______________________</p>\r\n<p> </p>\r\n<p>To calculate this, add the following:</p>\r\n<ul>\r\n<li>Cost of the purchase — including      transfer fees, attorney fees, and inspections, but not points you paid on      your mortgage. </li>\r\n<li>Cost of sale — including      inspections, attorney fees, real estate commission, and money you spent to      fix up your home just prior to sale. </li>\r\n<li>Cost of improvements — including      room additions, deck, etc. Note here that improvements do not include      repairing or replacing something already there, such as putting on a new      roof or buying a new furnace.</li>\r\n</ul>\r\n<p><br /> <strong>3. Your home’s adjusted cost basis: _</strong>______________________</p>\r\n<p> </p>\r\n<p>The total of your purchase price and adjustments is the adjusted cost basis of your home. <br /> <br /> <strong>4. Your capital gain:</strong> <strong> _</strong>______________________</p>\r\n<p> </p>\r\n<p>Subtract the adjusted cost basis from the amount your home sells for to get your capital gain.<br /> <br /> <br /></p>\r\n<p><strong>A Special Real Estate Exemption for Capital Gains</strong><br /> Since 1997, up to $250,000 in capital gains ($500,000 for a married couple) on the sale of a home is exempt from taxation if you meet the following criteria:</p>\r\n<p> </p>\r\n<ul>\r\n<li>You have lived in the home as your principal residence for two out of the last five years. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li>You have not sold or exchanged another home during the two years preceding the sale. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li>You meet what the IRS calls “unforeseen circumstances,” such as job loss, divorce, or family medical emergency.</li>\r\n</ul>\r\n<hr />\r\n<p> </p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What to Have on Hand for the New Owners</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Owner’s manuals and warranties for appliances left in the house.</li>\r\n<li>Garage door opener.</li>\r\n<li>Extra sets of house keys.</li>\r\n<li>A list of local service providers — the best dry cleaner, yard service, plumber, etc.</li>\r\n<li>Code to the security alarm and phone number of the monitoring service if not discontinued. </li>\r\n<li>As a courtesy, you could provide numbers to the local utility companies.</li>\r\n<li>If it’s a condo, leave information on how to contact the condo board. </li>\r\n</ul>\r\n<p> </p>','',0,2,0,5,'2011-05-23 01:10:02',62,'','0000-00-00 00:00:00',0,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',0,0,16,'','',0,2,'robots=\nauthor='),(48,' 5 Things to do Before Putting Your Home on the Market','2011-07-20-18-40-50','','<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><em> </em></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>5 Things to do Before Putting Your Home on the Market</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Have a pre-sale home inspection.</strong> Be proactive by arranging for a pre-sale home inspection. An inspector will be able to give you a good indication of the trouble areas that will stand out to potential buyers, and you’ll be able to make repairs before open houses begin.</p>\r\n<p> </p>\r\n<p><strong>2. Organize and clean.</strong> Pare down clutter and pack up your least-used items, such as large blenders and other kitchen tools, out-of-season clothes, toys, and exercise equipment. Store items off-site or in boxes neatly arranged in the garage or basement. Clean the windows, carpets, walls, lighting fixtures, and baseboards to make the house shine.</p>\r\n<p> </p>\r\n<p><strong>3. Get replacement estimates.</strong> Do you have big-ticket items that are worn our or will need to be replaced soon, such your roof or carpeting? Get estimates on how much it would cost to replace them, even if you don’t plan to do it yourself. The figures will help buyers determine if they can afford the home, and will be handy when negotiations begin.</p>\r\n<p> </p>\r\n<p><strong>4. Find your warranties.</strong> Gather up the warranties, guarantees, and user manuals for the furnace, washer and dryer, dishwasher, and any other items that will remain with the house.</p>\r\n<p> </p>\r\n<p><strong> </strong></p>\r\n<p><em> </em></p>\r\n<p><strong>5. Spruce up the curb appeal.</strong> Pretend you’re a buyer and stand outside of your home. As you approach the front door, what is your impression of the property? Do the lawn and bushes look neatly manicured? Is the address clearly visible? Are pretty flowers or plants framing the entrance? Is the walkway free from cracks and impediments?</p>\r\n<p> </p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 18:40:50',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,14,'','',0,243,'robots=\nauthor='),(49,'8 Reasons Why You Should Work With a REALTOR®','8-reasons-why-you-should-work-with-a-realtorr','','<p> </p>\r\n<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>8 Reasons Why You Should Work With a REALTOR®</strong></p>\r\n<p> </p>\r\n<p>Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®.</p>\r\n<p> </p>\r\n<p><strong>1. Navigate a complicated process.</strong> Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.</p>\r\n<p> </p>\r\n<p><strong>2. Information and opinions.</strong> REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?</p>\r\n<p> </p>\r\n<p><strong>3. Help finding the best property out there. </strong>Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.</p>\r\n<p> </p>\r\n<p><strong>4. Negotiating skills. </strong>There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.</p>\r\n<p> </p>\r\n<p><strong>5.  Property marketing power. </strong>Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.</p>\r\n<p> </p>\r\n<p><strong>6. Someone who speaks the language.</strong> If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.</p>\r\n<p> </p>\r\n<p><strong>7. Experience.</strong> Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. Even if you have done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.</p>\r\n<p> </p>\r\n<p><strong>8. Objective voice.</strong> A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, homebuying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll every make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.</p>\r\n<p> </p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 18:43:07',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,13,'','',0,253,'robots=\nauthor='),(51,'Checklist: 17 Service Providers You’ll Need When You Sell ','2011-07-20-18-59-05','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Checklist: 17 Service Providers You’ll Need When You Sell </strong></p>\r\n<p><strong> </strong></p>\r\n<p>□         Real estate attorney</p>\r\n<p>□         Appraiser</p>\r\n<p>□         Home inspector</p>\r\n<p>□         Mortgage loan officer</p>\r\n<p>□         Environmental specialist</p>\r\n<p>□         Lead paint inspector</p>\r\n<p>□         Radon inspector</p>\r\n<p>□         Tax adviser</p>\r\n<p>□         Sanitary systems expert</p>\r\n<p>□         Occupancy permit inspector</p>\r\n<p>□         Zoning inspector</p>\r\n<p>□         Survey company</p>\r\n<p>□         Flood plain inspector</p>\r\n<p>□         Termite inspector</p>\r\n<p>□         Title company</p>\r\n<p>□         Insurance consultant</p>\r\n<p>□         Moving company</p>\r\n<p> </p>\r\n<p><em>Used with permission from Kim Daugherty, Real Estate Checklists and Systems, www.realestatechecklists.com.</em></p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 18:59:05',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,11,'','',0,219,'robots=\nauthor='),(52,' Does Moving Up Make Sense? ','2011-07-20-19-00-30','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Does Moving Up Make Sense? </strong></p>\r\n<p><strong> </strong></p>\r\n<p>These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, it’s a sign that you may be ready to move.</p>\r\n<p> </p>\r\n<p><strong>1. Have you built substantial equity in your current home?</strong> Look at your annual mortgage statement or call your lender to find out. Usually, you don’t build up much equity in the first few years of your mortgage, as monthly payments are mostly interest, but if you’ve owned your home for five or more years, you may have significant, unrealized gains.</p>\r\n<p> </p>\r\n<p><strong>2. Has your income or financial situation improved?</strong> If you’re making more money, you may be able to afford higher mortgage payments and cover the costs of moving.</p>\r\n<p> </p>\r\n<p><strong>3. Have you outgrown your neighborhood? </strong>The neighborhood you pick for your first home might not be the same neighborhood you want to settle down in for good. For example, you may have realized that you’d like to be closer to your job or live in a better school district.</p>\r\n<p> </p>\r\n<p><strong>4. Are there reasons why you can’t remodel or add on?</strong> Sometimes you can create a bigger home by adding a new room or building up. But if your property isn’t large enough, your municipality doesn’t allow it, or you’re simply not interested in remodeling, then moving to a bigger home may be your best option.</p>\r\n<p> </p>\r\n<p><strong>5. Are you comfortable moving in the current housing market?</strong> If your market is hot, your home may sell quickly and for top dollar, but the home you buy also will be more expensive. If your market is slow, finding a buyer may take longer, but you’ll have more selection and better pricing as you seek your new home.</p>\r\n<p> </p>\r\n<p><strong>6. Are interest rates attractive?</strong> A low rate not only helps you buy a larger home, but also makes it easier to find a buyer.</p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:00:30',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,10,'','',0,221,'robots=\nauthor='),(53,' Forms You’ll Need to Sell Your Home','2011-07-20-19-02-09','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Forms You’ll Need to Sell Your Home</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Property disclosure form.</strong> This form requires you to reveal all known defects to your property. Check with your state government to see if there is a special form required in your state.</p>\r\n<p> </p>\r\n<p><strong>2. Purchasers access to premises agreement.</strong> This agreement sets conditions for permitting the buyer to enter your home for activities such as measuring for draperies before you move.</p>\r\n<p> </p>\r\n<p><strong>3. Sales contract.</strong> The agreement between you and the seller on terms and conditions of sale. Again, check with your state real estate department to see if there is a required form.</p>\r\n<p> </p>\r\n<p><strong>4. Sales contract contingency clauses.</strong> In addition to the contract, you may need to add one or more attachments to the contract to address special contingencies — such as the buyer’s need to sell a home before purchasing yours.</p>\r\n<p> </p>\r\n<p><strong>5. Pre- and post-occupancy agreements.</strong> Unless you’re planning on moving out and the buyer moving in on the day of closing, you’ll need an agreement on the terms and costs of occupancy once the sale closes.</p>\r\n<p> </p>\r\n<p><strong>6. Lead-based paint disclosure pamphlet</strong>. If your home was built before 1978, you must provide the pamphlet to all sellers. You must also have buyers sign a statement indicating they received the pamphlet.</p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:02:09',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,9,'','',0,227,'robots=\nauthor='),(54,' Open House Safety Tips','2011-07-20-19-03-39','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Open House Safety Tips</strong></p>\r\n<p> </p>\r\n<p>An open house can be a great sales tool, but it also exposes you to numerous unfamiliar people for the first time. Stay safe by practicing these guidelines.</p>\r\n<p> </p>\r\n<ul>\r\n<li>Call the local police department      and ask them to have a squad care drive by during your open-house hours.</li>\r\n<li>Check your cell phone’s strength      and signal prior to the open house. Have emergency numbers programmed on      speed dial. Carry an extra, fully charged cell phone battery.</li>\r\n<li>Determine several “escape” routes      that you can use in case of an emergency. Make sure all deadbolt locks are      unlocked to facilitate a faster escape.</li>\r\n<li>Turn on the lights and open the      curtains. These are not only sound safety procedures, but also great      marketing tactics.</li>\r\n<li>Make sure that if you were to      escape by the back door, you could escape from the backyard. Frequently,      high fences surround yards that contain swimming pools or hot tubs.</li>\r\n<li>When prospective buyers begin to      arrive, jot down their car descriptions, license numbers and physical      descriptions.</li>\r\n<li>When showing the house, always      walk behind the prospect. Direct them; don’t lead them. Say, for example,      “The kitchen is on your left,” and gesture for them to go ahead of you.</li>\r\n<li>Notify a friend or a relative      that you will be calling in every hour on the hour. And if you don’t call,      they are to notify the police immediately.</li>\r\n<li>Inform a neighbor that you will      be showing the house and ask if he or she would keep an eye and ear open      for anything out of the ordinary.</li>\r\n</ul>\r\n<p> </p>\r\n<p><em>Source: National Association of REALTORS® Safety Week kit</em></p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:03:39',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,8,'','',0,236,'robots=\nauthor='),(55,' How to Get an Offer on Your Home','2011-07-20-19-05-41','','<hr />\r\n<p><strong> </strong></p>\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>How to Get an Offer on Your Home</strong><br /> <br /> <strong>1. Price it right.</strong> Set a price at the lower end of your property’s realistic price range.<br /> <br /> <strong>2. Prepare for visitors.</strong> Get your house market ready at least two weeks before you begin showing it.<br /> <br /> <strong>3. Be flexible about showings.</strong> It’s often disruptive to have a house ready to show at the spur of the moment. But the more amenable you can be about letting people see your home, the sooner you’ll find a buyer. <br /> <br /> <strong>4. Anticipate the offers.</strong> Decide in advance what price and terms you’ll find acceptable. <br /> <br /> <strong>5. Don’t refuse to drop the price. </strong>If your home has been on the market for more than 30 days without an offer, you should be prepared to at least consider lowering your asking price.</p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:05:41',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,7,'','',0,233,'robots=\nauthor='),(56,' Moving Checklist for Sellers','2011-07-20-19-08-16','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Moving Checklist for Sellers</strong></p>\r\n<p> </p>\r\n<p>□         Provide the post office with your forwarding address two to four weeks ahead of the move.</p>\r\n<p> </p>\r\n<p>□         Notify your credit card companies, magazine subscriptions, and bank of your change of address.</p>\r\n<p> </p>\r\n<p>□         Create a list of friends, relatives, and business colleagues who need to be notified about your move.</p>\r\n<p> </p>\r\n<p>□         Arrange to disconnect utilities and have them connected at your new home.</p>\r\n<p> </p>\r\n<p>□         Cancel the newspaper, or change the address so it will arrive at your new home.</p>\r\n<p> </p>\r\n<p>□         Check insurance coverage for the items you’re moving. Usually movers only cover what they pack.</p>\r\n<p> </p>\r\n<p>□         Clean out appliances and prepare them for moving, if applicable.</p>\r\n<p> </p>\r\n<p>□         Note the weight of the goods you’ll have moved, since long-distance moves are usually billed according to</p>\r\n<p>weight. Watch for movers that use excessive padding to add weight.</p>\r\n<p> </p>\r\n<p>□         Check with your condo or co-op about any restrictions on using the elevator or particular exits for moving.</p>\r\n<p> </p>\r\n<p>□         Have a “first open” box with the things you’ll need most, such as toilet paper, soap, trash bags, scissors,</p>\r\n<p>hammer, screwdriver, pencils and paper, cups and plates, water, snacks, and toothpaste.<br /> <br /></p>\r\n<p><strong>Plus, if you’re moving out of town, be sure to: <br /> <br /> </strong></p>\r\n<p>□         Get copies of medical and dental records and prescriptions for your family and your pets.</p>\r\n<p> </p>\r\n<p>□         Get copies of children’s school records for transfer.</p>\r\n<p> </p>\r\n<p>□         Ask friends for introductions to anyone they know in your new neighborhood.</p>\r\n<p> </p>\r\n<p>□         Consider special car needs for pets when traveling.</p>\r\n<p> </p>\r\n<p>□         Let a friend or relative know your route.</p>\r\n<p> </p>\r\n<p>□         Empty your safety deposit box.</p>\r\n<p> </p>\r\n<p>□         Put plants in boxes with holes for air circulation if you’re moving in cold weather.<br /> <br /></p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:08:16',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,6,'','',0,228,'robots=\nauthor='),(57,' Simple Tips for Better Home Showings','2011-07-20-19-10-34','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Simple Tips for Better Home Showings</strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>1. Remove clutter and clear off counters. </strong>Throw out stacks of newspapers and magazines and stow away most of your small decorative items. Put excess furniture in storage, and remove out-of-season clothing items that are cramping closet space. Don’t forget to clean out the garage, too.<br /> <br /> <strong>2. Wash your windows and screens.</strong> This will help get more light into the interior of the home.<br /> <br /> <strong>3. Keep everything extra clean. </strong>A clean house will make a strong first impression and send a message to buyers that the home has been well-cared for. Wash fingerprints from light switch plates, mop and wax floors, and clean the stove and refrigerator. Polish your doorknobs and address numbers. It’s worth hiring a cleaning service if you can afford it.<br /> <br /> <strong>4. Get rid of smells.</strong> Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows to air out the house. Potpourri or scented candles will help.<br /> <br /> <strong>5. Brighten your rooms.</strong> Put higher wattage bulbs in light fixtures to brighten up rooms and basements. Replace any burned-out bulbs in closets. Clean the walls, or better yet, brush on a fresh coat of neutral color paint.<br /> <br /> <strong>6. Don’t disregard minor repairs.</strong> Small problems such as sticky doors, torn screens, cracked caulking, or a dripping faucet may seem trivial, but they’ll give buyers the impression that the house isn’t well-maintained. <br /> <br /> <strong>7. Tidy your yard.</strong> Cut the grass, rake the leaves, add new mulch, trim the bushes, edge the walkways, and clean the gutters. For added curb appeal, place a pot of bright flowers near the entryway.<br /> <br /> <strong>8. Patch holes</strong>. Repair any holes in your driveway and reapply sealant, if applicable.</p>\r\n<p> </p>\r\n<p><strong>9. Add a touch of color in the living room.</strong> A colored afghan or throw on the couch will jazz up a dull room. Buy new accent pillows for the sofa.</p>\r\n<p><br /> <strong>10. Buy a flowering plant and put it near a window you pass by frequently.</strong></p>\r\n<p><br /> <strong>11. Make centerpieces for your tables. </strong>Use brightly colored fruit or flowers.</p>\r\n<p> </p>\r\n<p><strong>12. Set the scene. </strong>Set the table with fancy dishes and candles, and create other vignettes throughout the home to help buyers picture living there. For example, in the basement you might display a chess game in progress. <br /> <br /></p>\r\n<p><strong>13. Replace heavy curtains with sheer ones that let in more light.</strong> Show off the view if you have one.</p>\r\n<p><br /> <strong>14.</strong> <strong>Accentuate the fireplace. </strong>Lay fresh logs in the fireplace or put a basket of flowers there if it’s not in use.<br /> <br /></p>\r\n<p><strong>15. Make the bathrooms feel luxurious. </strong>Put away those old towels and toothbrushes. When buyers enter your bathroom, they should feel pampered. Add a new shower curtain, new towels, and fancy guest soaps. Make sure your personal toiletry items are out of sight.</p>\r\n<p> </p>\r\n<p><strong>16. Send your pets to a neighbor or take them outside. </strong>If that’s not possible, crate them or confine them to one room (ideally in the basement), and let the real estate practitioner know where they’ll be to eliminate surprises.</p>\r\n<p> </p>\r\n<p><strong>17. Lock up valuables, jewelry, and money. </strong>While a real estate salesperson will be on site during the showing or open house, it’s impossible to watch everyone all the time.</p>\r\n<p> </p>\r\n<p><strong>18. Leave the home.</strong> It’s usually best if the sellers are not at home. It’s awkward for prospective buyers to look in your closets and express their opinions of your home with you there.</p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:10:34',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,5,'','',0,229,'robots=\nauthor='),(58,' Low-Cost Ways to Spruce Up Your Home’s Exterior','2011-07-20-19-12-37','','<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Low-Cost Ways to Spruce Up Your Home’s Exterior</strong><br /> <br /> Make your home more appealing for yourself and potential buyers with these quick and easy tips: <br /> <br /></p>\r\n<p><strong>1. </strong>Trim bushes so they don’t block windows or architectural details.</p>\r\n<p><strong><br /> 2. </strong>Mow your lawn, and turn on the sprinklers for 30 minutes before the showing to make the lawn sparkle.</p>\r\n<p><strong><br /> 3. </strong>Put a pot of bright flowers (or a small evergreen in winter) on your porch.</p>\r\n<p><br /> <strong>4.</strong> Install new doorknobs on your front door.</p>\r\n<p><strong><br /> 5. </strong>Repair any cracks in the driveway.</p>\r\n<p><strong><br /> 6. </strong>Edge the grass around walkways and trees.</p>\r\n<p><strong><br /> 7. </strong>Keep your garden tools and hoses out of sight.<br /> <br /></p>\r\n<p><strong>8. </strong>Clear toys from the lawn.</p>\r\n<p><strong><br /> 9. </strong>Buy a new mailbox.</p>\r\n<p><strong><br /> 10. </strong>Upgrade your outside lighting.</p>\r\n<p><strong> </strong></p>\r\n<p><strong>11. </strong>Buy a new doormat for the outside of your front door.</p>\r\n<p><strong><br /> 12. </strong>Clean your windows, inside and outside.</p>\r\n<p><strong><br /> 13. </strong>Polish or replace your house numbers.</p>\r\n<p><strong><br /> 14. </strong>Place a seasonal wreath on your door.</p>\r\n<hr />\r\n<p> </p>','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:12:37',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,4,'','',0,279,'robots=\nauthor='),(59,' 12 Tips for Hiring a Remodeling Contractor','2011-07-20-19-14-48','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>12 Tips for Hiring a Remodeling Contractor</strong><br /> <br /> <strong>1.</strong> Get at least three written estimates.</p>\r\n<p><br /> <strong>2.</strong> Check references. If possible, view earlier jobs the contractor completed.</p>\r\n<p><br /> <strong>3.</strong> Check with the local Chamber of Commerce or Better Business Bureau for complaints.</p>\r\n<p><br /> <strong>4.</strong> Be sure the contract states exactly what is to be done and how change orders will be handled.</p>\r\n<p><br /> <strong>5.</strong> Make as small of a down payment as possible so you won’t lose a lot if the contractor fails to complete the job.</p>\r\n<p><br /> <strong>6. </strong>Be sure that the contractor has the necessary permits, licenses, and insurance.</p>\r\n<p><br /> <strong>7.</strong> Check that the contract states when the work will be completed and what recourse you have if it isn’t. Also, remember that in many instances you can cancel a contract within three business days of signing it.</p>\r\n<p><br /> <strong>8. </strong>Ask if the contractor’s workers will do the entire job or whether subcontractors will be involved too.</p>\r\n<p><br /> <strong>9. </strong>Get the contractor to indemnify you if work does not meet any local building codes or regulations.</p>\r\n<p><br /> <strong>10.</strong> Be sure that the contract specifies the contractor will clean up after the job and be responsible for any damage.</p>\r\n<p><br /> <strong>11. </strong>Guarantee that the materials that will be used meet your specifications.</p>\r\n<p><br /> <strong>12.</strong> Don’t make the final payment until you’re satisfied with the work.<br /> <br /></p>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:14:48',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,3,'','',0,227,'robots=\nauthor='),(60,' Understanding Capital Gains in Real Estate','2011-07-20-19-17-09','','<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>Understanding Capital Gains in Real Estate</strong><br /> <br /> When you sell a stock, you owe taxes on your gain — the difference between what you paid for the stock and what you sold it for. The same holds true when selling a home (or a second home), but there are some special considerations.<br /> <br /> <strong>How to Calculate Gain</strong><br /> In real estate, capital gains are based not on what you paid for the home, but on its adjusted cost basis. To calculate, follow these steps:<br /> <br /> <strong>1. Purchase price: </strong>_______________________</p>\r\n<p> </p>\r\n<p>The purchase price of the home is the sale price, not the amount of money you actually contributed at closing. <br /> <br /></p>\r\n<p><br /> <strong>2. Total adjustments: _</strong>______________________</p>\r\n<p> </p>\r\n<p>To calculate this, add the following:</p>\r\n<ul>\r\n<li>Cost of the purchase — including      transfer fees, attorney fees, and inspections, but not points you paid on      your mortgage. </li>\r\n<li>Cost of sale — including      inspections, attorney fees, real estate commission, and money you spent to      fix up your home just prior to sale. </li>\r\n<li>Cost of improvements — including      room additions, deck, etc. Note here that improvements do not include      repairing or replacing something already there, such as putting on a new      roof or buying a new furnace.</li>\r\n</ul>\r\n<p><br /> <strong>3. Your home’s adjusted cost basis: _</strong>______________________</p>\r\n<p> </p>\r\n<p>The total of your purchase price and adjustments is the adjusted cost basis of your home. <br /> <br /> <strong>4. Your capital gain:</strong> <strong> _</strong>______________________</p>\r\n<p> </p>\r\n<p>Subtract the adjusted cost basis from the amount your home sells for to get your capital gain.<br /> <br /> <br /></p>\r\n<p><strong>A Special Real Estate Exemption for Capital Gains</strong><br /> Since 1997, up to $250,000 in capital gains ($500,000 for a married couple) on the sale of a home is exempt from taxation if you meet the following criteria:</p>\r\n<p> </p>\r\n<ul>\r\n<li>You have lived in the home as your principal residence for two out of the last five years. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li>You have not sold or exchanged another home during the two years preceding the sale. </li>\r\n</ul>\r\n<p> </p>\r\n<ul>\r\n<li>You meet what the IRS calls “unforeseen circumstances,” such as job loss, divorce, or family medical emergency.</li>\r\n</ul>\r\n<hr />','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:17:09',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,2,'','',0,223,'robots=\nauthor='),(61,' What to Have on Hand for the New Owners','2011-07-20-19-19-13','','<hr />\r\n<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>\r\n<p><strong> </strong></p>\r\n<p><strong>What to Have on Hand for the New Owners</strong></p>\r\n<p><strong> </strong></p>\r\n<ul>\r\n<li>Owner’s manuals and warranties for appliances left in the house.</li>\r\n<li>Garage door opener.</li>\r\n<li>Extra sets of house keys.</li>\r\n<li>A list of local service providers — the best dry cleaner, yard service, plumber, etc.</li>\r\n<li>Code to the security alarm and phone number of the monitoring service if not discontinued. </li>\r\n<li>As a courtesy, you could provide numbers to the local utility companies.</li>\r\n<li>If it’s a condo, leave information on how to contact the condo board. </li>\r\n</ul>\r\n<hr />\r\n<p> </p>','',1,2,0,5,'2011-05-23 01:10:02',62,'','2011-07-20 19:19:13',62,0,'0000-00-00 00:00:00','2011-05-23 01:10:02','0000-00-00 00:00:00','','','show_title=\nlink_titles=\nshow_intro=\nshow_section=\nlink_section=\nshow_category=\nlink_category=\nshow_vote=\nshow_author=\nshow_create_date=\nshow_modify_date=\nshow_pdf_icon=\nshow_print_icon=\nshow_email_icon=\nlanguage=\nkeyref=\nreadmore=',1,0,1,'','',0,201,'robots=\nauthor=');
