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Explore! Southern Indiana: Southern Indiana Color Tours: Road Trips for Fall

via exploresouthernindiana.blogspot.com

In the autumn as fall leaves turn jewel colors, follow the winding roads as they trace their way through the hills and valleys of Southern Indiana past charming historic hamlets and meandering creeks. Here are some of our favorite fall drivers.

I Just love this time of year!

Jim

QE3 ... little bit of a comeback ...

Well the market is trying to stage a little bit of a comeback.

If you haven't been watching lately then you didn't know that rates
have been moving up and if pretty steady pace. Well that's all about
to turn around and change with the announcement that the Q3 is going
to go through.

That's right quantitative easing! Well most of us don't really have a
clue what that means other than that the Fed is going to buy back a
bunch more bonds than they had originally signed up to buy.

With that being said rates are going to come back, are they going to
come back to record lows? Who knows.

A lot will depend on what happens in the overseas markets. But I will
be keeping an eye on it just to see what happens and I'll let you know
in the future.

Have a Blessed Day!

Jim Barber

Loan Officer - NMLS  ID 146285
First Liberty Financial Mortgage
http://www.JimTheMortgageMan.Com
Direct 502-354-8699
Schedule a meeting: Meeting.JimBarber.info

My Life Verse:
"Work hard and cheerfully at whatever you do, as though you were
working for the Lord rather than for people."
Colossians 3:23

Bards and Storytellers Celebrate Maria Theresia Von Paradis on September 15th | Louisville, Kentucky | Joe Hayden Real Estate Team - Your Real Estate Experts!

The Museum of the American Printing House for the Blind at 1839 Frankfurt Avenue will be presenting their Bards and Storytellers FREE celebration of Maria Theresia Von Paradis on September 15th from 11am until 12:30pm. Bards and Storytellers is an APH annual arts, folklore and performance series that celebrates the historical traditions of entertainers with vision loss.

Maria Theresia Von Paradis was an Austrian performer, composer and teacher of contemporary Mozart and was blind by the age of 3. Though not well known today, Von Paradis was a renowned performer in the eighteenth century who overcame her disabilities to amaze any who saw her perform. ??Louisville musician Barbara Henning, a graduate of the Kentucky School for the Blind and Adele LeJeune, who has a degree in music therapy, will perform the following Von Paradis compositions -

• The Sicilienne, a piano/violin duet.
• Two lieder, with piano accompaniment: Morganlied Eines Armen Mannes (Morning Song of a Poor Man) and Das Gartnerliedchen (the Gardener).
• Fantasie in G, in six movements, a piano solo.

The September 15th Bards and Storytellers series is a free family-targeted event meant to encourage and inspire those with and without disabilities.  You and your family are sure to be moved by the tales of this inspirational blind composer and her amazing music.

To learn more about other great events in the area, please visit Louisville Homes.

via joehaydenrealtor.com

Form New Good Habits with Online Help | Scott Levitt's Tuesday Tactics Newsletter

The saying goes, “It takes 21 days to form a habit.” That’s three solid weeks of sticking to a change in behavior. Now might be the perfect time to reinforce your success by taking part in HabitForge, a free online tool which helps you with accountability and social habit forming.

The way it works is simple:

1. Decide what new habit you would like to form, and select whether or not you want support from others.

2. Check your email each day to indicate whether you successfully performed the habit or not. (A yes/no click is all!)

3. Keep it up for 21 days, and let HabitForge track your success.

The free version of the online tool allows you one active habit to learn, but for $9.95 for the entire year you can upgrade to unlimited public/private habit building exercises (plus eliminate the ads).

Visit HabitForge and try it for yourself for free:
http://habitforge.com/

via tuesdaytactics.com

KentuckianaFSBO - Home

via kentuckianafsbo.weebly.com

Need a little help selling your house? But don't want to pay thousands of dollars in Realtor fees.

Give your house full Internet exposure on all the major websites, all the necessary forms to complete your transaction plus free support from professional mortgage experts and Realtors that actually work in the Kentucky & Indiana (Kentuckiana) area to guide you through the process, plus much more!

FREE
Click Here!
1 High Definition Picture
Google Map
Local Realtor Syndication
Posted on Kentuckiana For Sale By Owner Facebook Page
Posted on Jim Barber - Loan Officer Facebook Page
Posted Local Neighborhood Facebook Pages
Sharable on Facebook, Twitter, LinkedIn, Pinterest and many others!
Printable Flyer
QR Code

$59.00
Click Here!
10 High Definition Pictures
1 High Definition Video
Street maps, aerial photos, topographic maps and 3D flyovers
State-of-the-art map-based listing portal at Google Base, Trulia, Oodle, Zillow, Hotpads, CLR Search, SearchOnMaps.com and much more!!
Virtual Tour
Local Realtor Syndication
Posted on Kentuckiana For Sale By Owner Facebook Page
Posted on Jim Barber - Loan Officer Facebook Page
Posted Local Neighborhood Facebook Pages
Sharable on Facebook, Twitter, LinkedIn, Pinterest and many others!
Provide Code so you can quickly post your listing to CraigsList and other pages
Video instructions on how to post on classified ad sites quickly
Printable Flyer
QR Code

$119.00
Click Here!
20 High Definition Pictures
2 High Definition Video
Street maps, aerial photos, topographic maps and 3D flyovers
State-of-the-art map-based listing portal at Google Base, Trulia, Oodle, Zillow, Hotpads, CLR Search, SearchOnMaps.com and much more!!
Virtual Tour
Local Realtor Syndication
Posted on Kentuckiana For Sale By Owner Facebook Page
Posted on Jim Barber - Loan Officer Facebook Page
Posted Local Neighborhood Facebook Pages
Sharable on Facebook, Twitter, LinkedIn, Pinterest and many others!
We post your listing to CraigsList, Backpage and other pages
Phone number for your listing to protect your privacy
Printable Flyer
QR Code
Custom domain for your site: “MyHome.Com”

$199.00
Click Here!
UNLIMITED High Definition Pictures
UNLIMITED High Definition Video
Street maps, aerial photos, topographic maps and 3D flyovers
State-of-the-art map-based listing portal at Google Base, Trulia, Oodle, Zillow, Hotpads, CLR Search, SearchOnMaps.com and much more!!
Virtual Tour
Local Realtor Syndication
Posted on Kentuckiana For Sale By Owner Facebook Page
Posted on Jim Barber - Loan Officer Facebook Page
Posted Local Neighborhood Facebook Pages
Sharable on Facebook, Twitter, LinkedIn, Pinterest and many others!
We post your listing to CraigsList, Backpage and other pages
Phone number for your listing to protect your privacy
Printable Flyer
QR Code
Custom domain for your site: “MyHome.Com”
Facebook Fan Page with to better market your listing
Color Yard Sign with your Domain, Listing Phone Number & QR Code

Call 502-882-0506

River Forest Circle - SpinCam

via spincam.net

This is an example if a Real Estate SpinCam.

Jim Barber - SpinCam

via spincam.net

SpinCam is a great tool for doing 360 degree pictures... Lots of uses. Check out some of mine for fun and for Real Estate.

Jim B

Kentuckiana Real Estate / WHY RENT? YOU WILL HAVE LOW MONTHLY PAYMENTS ON THIS ONE W/LOW UTILITY BILLS! 3 Bed/1.5 Baths, located on two lots!

via pinterest.com

Contact Jennifer Jordan TODAY!
Brand new listing - Seller WANTS an offer! Payments & utilities would be cheaper than renting on this one! Call me before it is gone - Many updates!

Louisville Family Fun Events & Things to Do: Top Ten FREE FALL Festivals and Events in Louisville / Kentuckiana

via louisvillefamilyfun.net

This is a great site for what is happening in the Louisville area.

Kentuckiana BBQ battle and CASA fundraiser set for Sunday in Jeffersonville » Insider Louisville

Charcoal & More, a Sellersburg, Ind., bastion of cool barbecue tools, smokers and specialty hardwoods and charcoals, is sponsoring a barbecue battle cum fundraiser this Sunday from 4-8 p.m. at Kye’s (500 Missouri Ave.) in Jeffersonville.

According to a news release, the 2012 BBQ Showdown will feature a blend of six pit masters, chefs and celebrity smokers competing to prepare the best baby back ribs (the judges panel will include yours truly, so don’t let that diminish your quality perception of the contest).

Barbecue fans can support the cause to help CASA (Court Appointed Special advocate Association) by sitting down for a barbecue dinner with several hundred of their closest friends, said organizer Hal Wagner, owner of Charcoal & More.

“We’ll be cooking 80 pork butts for the dinner,” said Wagner, adding that ticket prices are $25 each, and the dinner includes the standard sides. Kids under 12 can get hot dogs and sides for free. “That price is a donation to raise funds for CASA.”

CASA’s mission is to provide adult advocacy and support in America’s courts for abused and neglected children who lack the information and ability to represent themselves. Some 60,000 CASA volunteers serve more than 240,000 children through 954 program offices across the U.S. and the Virgin Islands.

Wagner’s mother was a long-term CASA volunteer, which makes the fundraiser a personal effort, he said.

“There are a lot of great charities in our area, but I feel sometimes CASA doesn’t get the love those do—and there’s a huge need for it,” he said. His goal is to raise $50,000 for the two Kentuckiana associations. “So, yeah, this kind of in memory of my mom and her work with the group.”

Barbecuers at the event include: Mark Williams (Brown -Forman executive chef), Dan Thomas (JCPS commissary chef and American Culinary Federation, Kentucky Chapter chair), Gary Dean (pit master at Mark’s Feed Store); Ann Race (chef at Jeff Ruby’s Steakhouse, Louisville), Terry Rodman (pit master at Frankfort Avenue Beer Depot); and the celebrity team of Jessica Oh and Natalie Grise (reporters at WLKY TV).

“Judging will follow KCBS (Kansas City Barbecue Society) standards, and each judge will get instruction from us,” Wagner said. All judges will be sequestered for private scoring. “We’ll be judging for six separate scores, including things like taste, tenderness, smoke and others.”

Since Kye’s is a large indoor facility, the event will be held rain or shine. So get your tickets now by clicking here.

via insiderlouisville.com

This is a great cause to get behind not to mention great food!

Philips Hideouts: Google Maps Treasure Hunt

Philips have launched a new Smart-TV with a super thin frame, and in doing so, created a reason to hide 10 of them across the world!? Ok weird reason, but this is a pretty cool treasure hunt, where you'll be given 10 photos of the Philips Smart-T

via digitalbuzzblog.com

Can you find the FREE TV's??

Home and Garden Checklist | RISMedia

Home and Garden Checklist

By Debbie Arrington

 Print Article

(MCT)—Vacation season often sees a spike in home burglaries. How do you keep your property safe (and your peace of mind) while you’re away from home?

Installing motion-sensor lighting, window and door alarms plus timers for indoor and outdoor lighting are easy projects that most anyone can do, say the experts at the Home Depot.

Here are some tips to keeping your home protected and your garden growing during vacation or any time:

Home Checklist

—Deadbolts are a must. The most important line of defense for protecting your property is making sure you install deadbolts on every entry door to your home, say the experts. Get strong ones – Grades 1 or 2 offer the best protection.

Considered the most durable, Grade 1 deadbolts extend at least 1 inch into the door frame. They’re made to withstand at least 150 pounds of pressure and the equivalent of 10 hammer blows. More common for residential uses, Grade 2 deadbolts project up to five-eighths of an inch into the door frame and withstand impacts of up to 120 pounds of pressure.

—Link your outdoor lights to motion sensors. The sensors will startle intruders by instantly exposing them to light.

—Get them on camera. Consider installing an affordable video system that allows you to view the outside of your home. (It also will help to identify potential intruders.)

—Alarm systems have become more advanced and easier to install with Wi-Fi options. Consider alarms for windows and exterior doors.

—Make it look like you’re at home. If you’re going away on vacation, put timers on your interior lights. Specifically, look for timers that stagger when your lights go on and off from day to day. That prevents a predictable pattern from being established.

—Also, remember to put a hold on mail and newspaper delivery if you’re away. You don’t want mail and news- papers piling up at your door.

Garden Checklist

—Harvest tomatoes, beans, squash, pepper and eggplants to prompt plants to keep producing.

—Give your plants a deep watering twice a week, more if they look droopy or grow in containers.

—Don’t forget to feed your food. Give tomatoes, squash and other crops a boost with phosphate-rich fertilizer to help fruiting. Always water before fertilizing.

—Get started on the fall vegetable garden. Plant seeds for beets, carrots, Chinese cabbage, head lettuce, mustard, onions, parsley, parsnips, potatoes, rutabagas and turnips.

—Watch out for caterpillars and hornworms in the vegetable garden; they can strip a plant bare in one day. Hand-pick these bugs off plants in early morning or late afternoon.

—Enlist youngsters as bug catchers. Offer kids a 25-cent bounty for collecting them in a jar. Identify the beneficial butterflies-to-be (and relocate them to somewhere else in the garden); then dispose of the others. How do you tell which is which? Visit www.bugguide.net and http://butterflywebsite.com/

©2012 The Sacramento Bee (Sacramento, Calif.)
Distributed by MCT Information Services

 

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Categories: Today's Home Spun Wisdom

Copyright© 2012 RISMedia, The Leader in Real Estate Information Systems and Real Estate News. All Rights Reserved. This material may not be republished without permission from RISMedia.

via rismedia.com

Can you guess where Bobblehead Whitney is today?

Aug. 7, 2012

Where's Whitney Wednesday August 8, 2012

Every Wednesday I ask my readers to guess where Bobblehead Whitney is? Can you guess where she is today? I will give you a little hint . This store just opened in the heart of Chevy Chase!

If you are chosen as the correct answer I will let you know what you will win .. It's something special from this store.

 

 

Thanks,

Search all Lexington Real Estate

View the Latest 100 Lexington Real Estate Listings

View the 25 Most Expensive Listings in Central Ky.

 

   

 

Posted in Where's Whitney

Share This Post

         

via lexingtonrealestatesearch.com

Five smart reasons to refinance your mortgage - Yahoo! Homes

Thinking about refinancing your mortgage? Go about it for the right reasons, and you could see some significant savings.

In fact, if you refinance, "You may be able to pay less interest, lower your monthly payment, or convert from a 30-year loan to a 15-year loan and build your equity faster!" notes the U.S. Department of Housing and Urban Development.

Sounds like some pretty smart incentives to refinance, right? But, before you take this big step, it's important to remember that refinancing also comes at a price.

"There's definitely a cost to refinancing, and it takes a lot of effort, too," says Joffrey Long, education chair at the California Mortgage Association. "You want to weigh the costs against the benefits before deciding to refinance."

[Think refinancing is right for you? Click to compare rates from multiple lenders now.]

To help you make an informed decision, we've covered five smart reasons to consider refinancing your home.

Reason #1 - You Could Score a Lower Interest Rate

Want a good reason to refinance? Consider this: Lower interest rates = savings...in some cases, a good chunk of savings.

"Refinancing for a lower interest rate is one of the most common reasons to lower your interest rate," says Long.

And this comes as no surprise when you take into account these figures from "A Consumer's Guide to Mortgage Refinancing" by the Federal Reserve Board, the governors of the United States central bank.

The Federal Reserve's guide compares the monthly payments on a 30-year fixed rate loan of $200,000 at 5.5 percent and 6 percent:

• Monthly payment at 6 percent: $1,199
• Monthly payment at 5.5 percent: $1,136
• Over 10 years, at 5.5 percent, you will have saved: $7,560

[Want to lower your interest rate? Click to compare rates from multiple lenders now.]

However, not everyone is taking advantage of the lower interest rates and the potential savings that come with them.

"Some 58 percent of homeowners who have mortgages - that's about 28 million households - pay interest rates that are higher than today's bargain rates," according to the January 2012 Consumer Reports article "Refinance your mortgage (again)?" "Many could save thousands by refinancing."

Reason #2 - You Want to Get out of an Adjustable Rate Mortgage (ARM)

If you're not fond of surprises and unpredictability, you're probably not the biggest fan of an adjustable mortgage rate, which changes periodically based on a rate that's tied to a certain index.

This means that your mortgage rate could go down - or up - throughout the life of your loan. And we're guessing that you're not the happiest camper when your rate takes a sharp hike.

If that's the case, you might be better suited for a fixed mortgage rate.

[Want to switch to a fixed mortgage rate? Click to compare rates from multiple lenders now.]

And how can you make this swap to stability? By refinancing your mortgage. And Long says now is a great time to do it.

"Refinancing to get out of an adjustable rate mortgage and switching to a fixed rate mortgage is a great reason because the rates have not been this low in 40 years," Long says. "You want to lock in this rate."

Reason #3 - Your Credit Score is Stellar

Let's get real: Having a bad credit score - for lack of a better word - sucks. Having a stellar credit score, on the other hand, could really work in your favor when refinancing.

Specifically, your mortgage rate could be lowered when you refinance if your credit has improved from when you originally took out your loan, notes the Federal Reserve Board.

Why does your credit score play such a big role when it comes to your mortgage rate? Because when you apply for a mortgage, "the lender will want to know your past history of borrowing in order to understand the risk they might be taking by lending you money," says New York State's Department of Financial Services. It adds that "a healthy credit report and a high credit score can mean better financial options for you."

So if you've been improving your credit score in an effort to make yourself less of a risk to lenders, it might be a smart idea to consider refinancing your mortgage.

[Has your credit score improved? Click to see if you can save by refinancing your mortgage.]

"If your credit is significantly higher, and you were initially given a higher rate due to your poor credit score, then refinancing could be a good option," says Long. "But, you should definitely call your lender and find out what your specific options are for your certain circumstance."

Reason #4 - You're Rollin' in Dough

If you recently hit the jackpot, got a generous salary increase, or came across more money than you know what to do with, refinancing could be a great option for you.

Why? Because if you're able to afford higher monthly payments, "this may allow you to shorten the term of your mortgage," according to the Government National Mortgage Association, also known as Ginnie Mae.

The upshot? By refinancing and shortening your term, you could save money in the long run by paying less interest over the course of those extra years. What's more, Long says that a 15-year loan generally yields an interest rate that's .5 percent lower than a 30-year loan.

"A lot of people don't realize how low the rate is on a 15-year loan - right now it's below 3 percent," says Long. But, he warns that switching to a 15-year loan and making higher monthly payments is only good if you can ascertain your financial footing in the next 10 or 15 years.

[Ready to switch to a 15-year loan? Click to compare rates from multiple lenders now.]

For example, Long says that if consumers think their employment or salary may drop, or they need to send a son or daughter to college in 10 years, they need to determine whether or not they'll have the cash flow to cover their monthly payments - on top of these other expenses.

Reason #5 - You Want to Combine Multiple Loan Payments

If you happen to have two or more loans out for your home, refinancing to consolidate your loans might be a smart idea.

Long agrees, noting that on top of the convenience of paying just one bill, consolidating your loans could also yield an overall lower interest rate.

He warns, though, that consolidating your loans does not automatically equal a lower interest rate. So you'll want to contact your lender and carefully see if there's savings potential.

"If you don't see a benefit to combining your loans, it's not that big of big deal to write two checks instead of one," says Long. "You want to make sure you see a benefit before deciding to refinance and combine your loans."

via homes.yahoo.com

Call me anytime with questions!

Jim Barber
502-354-8699

Chick-fil-a Appreciation Day

Happy Birthday Melanie

Happy 7-11 Day!!

Customer Satisfaction Survey

Melanie & Glenn completed a Customer Satisfaction Survey regarding their recent experience with Jim Barber. The results are shown below.

The borrower was asked to rank their experience using the following 1-to-5 scale where 1 is Poor or Unsatisfactory, 2 is Adequate, 3 is Satisfactory, 4 is Better than Expected and 5 is Excellent.

Overall Score: 25 out of 25 points = 5.0
 

1.) How would you rate your overall experience with the Jim Barber? = 5

 2.) Was your Loan Officer or Envoy Representative thorough and courteous? = 5

3.) Ignoring any delays from other parties, did Jim Barber meet your turn time expectations from start to closing date? = 5

4.) Did Jim Barber meet all your expectations? = 5

5.) Would you refer someone to Jim Barber? = 5

Additional Comments: Your company should be thankful for having Jim Barber. He is a professional in every sense of the word. He delivered exactly what he said he could and in an extremely short period of time. Thank you Jim for all you did. I would and will recommend him and your company to everyone in the market. Jim be proud of yourself in knowing what a true professional you are. Again thank you!!

Melanie & Glenn
Sellersburg, IN