Gus Macker Drawing
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To Register for the $100.00 Eastbay Gift Card please complete and submit the following Online form. There is NO obligation to use our services. All information you provide is secure and will be kept strictly confidential. We will be drawing for the WINNER on July 15th 2009. We will post the winner on our website and call the winner.
If you have any Real Estate needs we would be more than happy to help you.
**You can only enter once**
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The Wausau Balloon Rally will be held July 10th-12th. Their will be various events going on all weekend long. Friday night will be Rib Fest at the Wausau downtown airport, Sat morning will be a ballon launch(weather permitting) around 6-6:30 Am from the airport, and will have numerous activities, vendors, and bands throughout the day with a ballon glow towards dusk and fireworks to follow. |
| | | When | Sundays 6 – 8pm | | Where | DC Everest park at the end of South 3rd Ave | | Price - Low | $0 | | Age Range | Families | | Gender | Coed | | Contact | Sue, Scott or Janelle at 693-3983 | | Note | The Central Wisconsin Water Ski Show Team (also known as the Water Walkers) has shows each Sunday at DC Everest park in Wausau. This years theme is "Road Trip USA". Come along with us as we revisit memories of past vacations and explore the fun and challenges of planning this years vacation. Bleacher seating is avaiable and concessions are sold at this site. Proceeds from the sale of food items help support the team. |
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| | | When | Most Tuesdays 6 – 7:30pm | | Where | Aspirus YMCA - Weston | | Price - Low | $8.00 | | Price - High | $18.00 | | Age Range | All Ages | | Ticket Phone | 849-2267 | | Contact | Camp Sturtevant |
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There will be more riding opportunities available weeknights throughout the summer. Call 841-1850 for more info. |
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Top 10 Home Buying Mistakes That Can Cost YouAvoid these blunders that homebuyers commonly makeBy Shannon Petrie, FrontDoor.com | Published: 6/23/2009 If you're ready to buy a home, go for it. Don't wait to reap the benefits of homeownership. Mistake #1: Waiting for the market to improve or not buying at all No one can predict precisely where the market is going, so trying to time your home purchase with the bottom of the market is futile. If you're financially and emotionally ready to be a homeowner, it's always a good time to buy. Just think: all the time you spend procrastinating on purchasing a home, you could be building equity, getting tax deductions and enjoying the many other benefits of homeownership! NEXT: FrontDoor's Top 10 Home Buying Mistakes That Can Cost You >> If you get bad results on your home inspection, an inspection contingency lets you back out of the contract. Mistake #2: Making an offer without contingencies Having a back-out plan is a must for smart home buying. If the home has an irresolvable flaw, it doesn't appraise for the purchase price, or your lender refuses to fund your loan, having contingencies on your contract gives you the right to cancel the transaction. Think about it this way: would you spend $100 in a store that doesn't have a 30-day return policy? If your answer is no, you wouldn't want to put hundreds of thousands of dollars on the line without the right to bail. That huge stack of closing papers can be overwhelming, but it's important to take the time to review them. Mistake #3: Not reading the fine print If you did your homework, you had your trustworthy real estate attorney review all your paperwork and discuss it with you so you don't get a nasty surprise at closing. Let's face it -- you won't have time to read that six-inch stack of legal documents at the closing table. Fortunately, there are a select few documents and items that are truly critical, and you can request a copy of these in advance. This gives you time to review them and ask questions before closing. Be present at your home inspection so you can ask questions. Mistake #4: Forgoing a home inspection Even if a home looks flawless, it's a mistake to assume that it's actually problem-free. All homes have defects -- even brand new ones -- so getting a professional inspection before making the commitment to buy is crucial. Be sure to attend the inspection so the inspector can explain any issues. Don't rush into buying the first home you fall in love with. Take the time to compare several homes to find the right one for you. Mistake #5: Falling for love at first sight Buying the first house you like is kind of like marrying the first person you go on a date with: not necessarily a good idea. If you don't shop around and see what else is out there, you could miss out on a good deal or potentially regret your purchase. While you don't need to visit every home in the neighborhood, you should compare at least three homes before you make a decision to ensure that you're getting the right house at the right price. Tally up your fixed monthly expenses to determine how much you have leftover for a mortgage payment. Mistake #6: Buying a house you can't afford Just because a lender is willing to loan you a fortune doesn't mean you should take it. Buying more home than you can afford can quickly lead to financial trouble. As a rule of thumb, your mortgage payment should be less than 28 percent of your gross monthly income. Besides your mortgage payment, be prepared for the additional costs of homeownership, such as insurance, property taxes, utilities and maintenance. You may want to scale back the size of the home you're looking for in order to bring the whole package in line with your budget. Fixing up a fixer-upper can be quite expensive. Know what you're getting into before buying a home that needs major repairs. Mistake #7: Buying a foreclosure or fixer-upper without doing your research Some homebuyers are so set on finding a bargain, they overlook the fact that buying a home that needs repairs can be a stressful and expensive endeavor. Before buying a fixer-upper, get estimates on any necessary repairs and renovations and make sure they will pay for themselves in increased property value. The foreclosure market is also full of opportunities, but it's important to be aware of the potential pitfalls before buying a foreclosed property. You'll enjoy your new home even more if you find a neighborhood that fits your lifestyle. Mistake #8: Not researching the neighborhood What good is having your dream home, if you don't like the community where it's located? Before shopping for a home, shop for a neighborhood. Make sure it's a good fit for your lifestyle -- figure out how long you want your work commute to be, how close you want to be to amenities like shopping and nightlife, and which school districts are the best. Even if you don't have children, living near good schools raises your property value. Visit the neighborhood several times and at different times of the day. The biggest incentive for finding a quality community: a great neighborhood will increase your home's value, while a bad one will drag it down. Shop for a home with your successors in mind. Look for buyer-friendly features, such as ample storage space. Mistake #9: Thinking short-term The house you purchase should be a place that feels like home to you and your family, but it's important to remember that it's also a huge investment. When shopping for a home, it pays to think about resale down the road. Search for homes in sought-after locations, and look for features that future buyers will want, such as central air conditioning and lots of storage space. Pre-approval lets you know how much you can afford before you start shopping for a home. Mistake #10: Not getting pre-approved before house hunting Why get your hopes up looking at $500,000 homes, when you can really only afford a $300,000 home? Before you start house hunting, narrow down your price range by getting pre-approved. Shop for a lender or mortgage broker you can trust. The mortgage pro will review your credit, income, assets and debts, and recommend a mortgage with monthly payments that fit your budget. The result is a good faith estimate, a document that spells out the likely terms of your loan, including the interest rate and closing costs. Not only does this let you know how much house you can afford, it also lets sellers know that you're serious about buying. |
 efficient air conditioner use This or That: Leave Your AC On or Turn It Off?A common myth about the way air conditioners work may be wasting your money and contributing to global warming.By Emily Main Use your AC wisely to save money and keep cool. 06-16-09 RODALE NEWS, EMMAUS, PA—We’ve all wondered this at some point, usually during after coming home to a stifling house on a long, hot, summer day: Do you save energy by shutting off your air conditioner when you’re gone for the day? Or is it better to just let it run at the same temperature setting all day long, so you don’t expend extra kilowatts starting it up and getting the premises to a comfortable temperature? Wasting energy not only costs you more money, it leads to more burning of coal and other fossil fuels that contribute to global climate change. We contacted Jennifer Thorne Amann, MES, buildings program director for the American Council for an Energy-Efficient Economy (ACEEE), to help us figure it out. THIS: Leave the AC running, set at the same temperature all day. The theory: If you leave the AC running with the temperature set at a comfortable setting, the stable temp means the air conditioner won’t have to work as hard. THAT: Turn the AC off when you leave, turn it on when you get home. The theory: If you let the house get hot when you’re away, the air conditioner will use more energy when it’s time to cool things down. THIS OR THAT? That. Turn it off when you leave. It may seem like a waste of energy to turn your air conditioner on and off, but doing so actually saves you a fair amount of money and helps your air conditioner work more efficiently, says Amann. While it may seem like your unit has to work hard to cool a space down from 80 to 75 degrees, “air-conditioning systems run most efficiently when they’re running at full speed,” rather than running for shorter periods at a less powerful speed to maintain a constant temperature all day, Amman says. They’re also better able to dehumidify your house, she adds, when they run full blast. If you have central air, or a window unit with a thermostat, you can save energy and keep things from getting unbearably torrid by setting the thermostat higher. ACEEE estimates that air conditioners use 3 to 5 percent less energy for every degree you raise the thermostat. To get the best energy savings, leave your thermostat set at 78 degrees or higher while you’re out. Here are a few other ways to stay cool and get better AC energy savings this summer: • Buy a programmable thermostat. Whether you turn your central air off or turn its thermostat up when you’re out of the house, a programmable thermostat can crank up the cool factor before you get home. That way your house will be comfortable when you walk in the door. Amann notes that you’ll need to buy a thermostat that suits both your cooling and your heating systems. Some models don’t work with heat pumps, which can pose a problem in the winter, so check with whoever installed or services your system. If you use a window unit, an appliance timer can serve a similar purpose; newer models may include a timer as well as a thermostat. • Buy a ceiling fan. Fans don’t necessarily cool a room, but they move air across your skin, making you feel comfortable at a higher temperature. That allows you to set the thermostat higher and stay cool while using less energy (especially if you buy a fan that’s Energy Star rated). However, because it doesn’t reduce the temperature of a room, it’s a waste of energy to leave a ceiling fan on in the hopes that it will keep your house cooler while you’re gone. • Plant some bushes. Large, shady bushes planted on the south and west sides of your house will reduce heat gain during the day. • Create crosswinds. The easiest way to cool a house? Open a window—but not too much. The less you open it, the more of a draft you’ll create. You can create cross breezes in a one-story house (or a single room) by cracking one window’s bottom sash and another’s top sash. If you live in a two-story house, open a window on the first floor a crack and another window upstairs on the opposite side of the house. Experiment to see which windows work best and how much you should open them. The term 'climate change' is sometimes used to refer to all forms of climatic inconsistency, but because the Earth's climate is never static, the term is more properly used to imply a significant change from one climatic condition to another. In some cases, 'climate change' has been used synonymously with the term, 'global warming'; scientists however, tend to use the term in the wider sense to also include natural changes in climate. |
Chunky Chicken Peanut WrapsSaran™ Premium Wrap, pack it with a chewy brownie and a healthy bean dip, and take it off to school or work. A good wrap is great to go! Here's a delicious recipe for leftover chicken that will taste as good—or better—than any wrap you can buy at the deli. Prepare the peanut sauce the night before and you've cut your assembly time in half. Use only half the prescribed peanut sauce and you'll reduce the calorie load significantly. (Warning, though: this sauce is so finger-licking good, it may be difficult to resist!) Wrap it all up in Total Time : 10 minutes Prep Time : 5 minutes Servings : Makes 2 wraps Ingredients 2 Tablespoons chunky peanut butter 1 teaspoon lite soy sauce 1 Tablespoon water One 8-oz. grilled or baked chicken breast 2 flour tortillas or your favorite sandwich wrap 5 oz. shredded iceberg lettuce 1 large carrot, peeled and shredded Directions STEP 1. Place the peanut butter, lite soy sauce, and water in a bowl. Whisk together until evenly combined. Set aside. STEP 2. Slice the cooked chicken breast into chunky slices and place half the amount of chicken on each tortilla. STEP 3. Divide the carrots and lettuce equally and place on top of the chicken in each tortilla. STEP 4. Drizzle the peanut sauce over the fillers. Then roll up the sandwich and wrap with . Nutrition Facts
Serving Size: 1 wrap | | Calories | 450 | Calories From Fat | 140 | Total Fat | 15g | Saturated Fat | 3g | Trans Fat | 0g | Cholesterol | 95mg | Sodium | 540mg | Total Carbohydrates | 34g | Dietary Fiber | 3g | Sugars | 4g | Protein | 45g | Compu-Food Analysis, IncNutritional information provided by |
What's Going on with Craigslist?
NAR recently learned that its name is being used as part of a property rental scam. In this scam, rental property is offered to consumers, who are led to believe that NAR is functioning as an intermediary to receive rental deposits from prospective tenants and, upon receipt of the deposit, to deliver the keys to the property to the tenant. The tenant is instructed to send money via Western Union to NAR's purported agent, in the United Kingdom. NAR is not involved in this business and believes it is a scam. But that is not all that has been reported to be going on. A Madison TV station reported that a local REALTOR® discovered that the details of one of her rental property listings apparently had been lifted from her Web site and posted on Craigslist with a lower price and different contact information. Prospects reading the Craigslist entry were asked to wire money overseas. Glen Loyd, of the state Department of Agriculture, Trade and Consumer Protection, said, "Nothing really surprises us because remember that Craigslist and all the classified ads and newspapers right now are on the Internet. And people around the world, these criminals, can look into Madison every day." The REALTOR® remarked that she will regularly check Craigslist and see if my properties are out there. Madison police said investigators are working on numerous local fraud cases involving Craigslist. A similar scam has been reported to the WRA from the LaCrosse area. A property that was apparently for sale was the target. The property information and pictures were lifted from Craigslist and recast into a rental listing with an overseas telephone number and an e-mail account created using a variation of the owner's name. The ad said to send $500 and get the keys. If you have encountered these scams or something similar, you can file a complaint with the Internet Crime Complaint Center, sponsored by the Federal Bureau of Investigation and the National White Collar Crime Center. Visit its Web site for more information about how to file a complaint. Anyone who has been victim of a scam also can contact Wisconsin consumer protection at 1-800-422-7128. REALTORS® should be cautious when if they use Craigslist. Maybe more importantly, REALTORS® who do not normally use Craigslist should routinely review Craigslist to make sure that none of your listed properties (sales and rentals) are being advertised by a scammer! |
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Welcome from The LaCerte Team, your professional real estate team in the Greater Wausau Area.
In today's competitive real estate market, timing, preparation of property for sale, and accurate pricing are very important. Many homes and other properties are sold shortly after they're advertised. Also, beat other homebuyers to the hottest new properties for sale in Wausau, Merrill, Mosinee, Rothschild, Schofield, Weston, Kronenwetter, and surrounding areas with our New Listings Notification.
If you own real estate that you're thinking of selling, we'll be happy to provide you with a FREE home evaluation. |
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If you're considering buying or selling a home or other property, hire a team of professionals, who wants to earn your business. Your satisfaction is our success. We invite you to contact one of us. We'll be happy to assist you with this important decision.
In addition, if you have any general questions about buying or selling real estate in Wisconsin, please contact one of us, we're willing to help.
Please browse our website for listings, reports, and important local real estate information. If you wish, you may search the entire Central Wisconsin Multiple Listing Service by clicking on the Search MLS Listings button in the left column.
Sincerely,
The LaCerte Team /Coldwell Banker Action
Steve & Jacki LaCerte
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Mortgage Relief Plan
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Details of mortgage relief plan emerge - Making Home AffordableIt was just a week ago that President Obama laid out his initial plans for the mortgage relief plan: 1. Make it possible for 4-5M Freddie Mac&Fannie Mae loan holders to: - refinance at lower rates
- enable families with higher loan rates who may be underwater to refinance
2. Create new incentives so that lenders can work with borrowers to modify the terms of sub-prime loans at risk of default and foreclosure - establishes clear guidelines for mortgage industry that will encourage lenders to modify mortgages on primary residences
- reduced payments must be no more than 31% of homeowner’s income
3. Take major steps to keep mortgage rates low for millions of middle-class families looking to secure new mortgages - Treasury and Federal Reserve will continue to purchase Fannie Mae and Freddie Mac mortgage-backed securities to ensure stability and liquidity.
- Treasury will provide up to $200 billion in capital to ensure that Fannie Mae and Freddie Mac can continue to stabilize markets and hold mortgage rates down
4. Pursue wide range of reforms to help families stay in home - Allow judges to reduce home mortgages on primary residences to their fair market value, as long as borrowers pay their debts accordingly
- As part of the stimulus plan, award $2 billion in competitive grants to communities bringing people together and testing new and innovative ways to prevent foreclosures
UPDATE! The Treasury Department today rolled out new details of President Obama's homeowner affordability and stability plan. Here are some of the eligibility restrictions covered: - Loans must be from on or before January 1, 2009, and can be modified ONE TIME through December 31, 2012
- First-lien loans on owner-occupied properties with unpaid principal balance up to $729,750 for a conforming loan
- All borrowers must fully document income, two most recent pay stubs, most recent tax return, and sign an affidavit of financial hardship
How will the plan work? - Three step relief plan for qualifying home owners:
- First, reduce the interest rate (rate floor of 2%)
- If necessary, extend the term or amortization of the loan up to a maximum of 40 years
- If necessary, forbearing principal (principal forgiveness or a Hope for Homeowners refinancing are acceptable alternatives)
- Participating loan servicers will be required to use a net present value (NPV) test on each loan that is at risk of imminent default or at least 60 days delinquent.
- Servicers will follow a specified sequence of steps in order to reduce the monthly payment to no more than 31% of gross monthly income; monthly payment includes principal, interest, taxes, insurance, flood insurance, HOA fees.
- Homeowners who make their payments on time are eligible for up to $1,000 of principal reduction payments each year for up to five years.
- To incent lenders to participate, provide one-time bonus incentive payments of $1,500 to lender/investors and $500 to servicers for modifications made while a borrower is still current on mortgage payments.
In addition to the detailed plan updates, the administration also has created the new Making Home Affordable page. In this section, the administration talks directly to consumers and offers advice to the 7-9 million homeowners who may be eligible for mortgage assistance. The site offers great self-assessment tools to answer the question, "Do I qualify for mortgage relief?" In addition to the website, a new phone number has been announced for homeowers needing urgent assistance - the Homeowner’s HOPE Hotline for urgent help at (888) 995-HOPE. More details are available at www.financialstability.go
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Announcements
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AVOID THIS COSTLY MISTAKEIf you've been following the financial news, you've probably heard that the Fed's been buying Mortgage Backed Securities and will continue to do so as needed. Unfortunately, some media outlets have picked up on the news and mistakenly reported that these purchases will continue to cause rates to drop lower into the summer. But is that really what it means? No. The truth is, the Fed has been buying Mortgage Bonds. BUT... more precisely, they're buying a lot of FNMA 30-yr 5.0% and 5.5% Bonds. Many of the mortgages in these pools are outstanding home loans with rates between 6.0% and 6.5%, as the rate that a borrower pays is different than the coupon rate given to an investor buying into that mortgage pool, with the difference being taken by Wall Street firms and government agencies. The loans in these pools the Fed is buying hand over fist are likely be refinanced and paid - because current rates make it very attractive to refinance a loan over 6.0% - and thus giving the Fed a quick recoup on some of their investment. Bottom line: The Fed's purchase of higher rate coupons will not necessarily help rates to move lower, as their actions do not impact the loans being originated at today's low rates. The Problem Is...Many consumers are in situations where they can refinance now and save hundreds of dollars a month on their mortgage payments. But when they hear the media throwing around teases of lower rates ahead, they decide to hold off on making the decision to save, in the hopes of gaining a few more dollars of savings per month if a lower rate came their way. Of course, while they're waiting, rates could turn higher - and this window of opportunity could pass them by entirely. Here's the Clincher.Even if consumers are ultimately able to time the market perfectly and save another few bucks per month, they could still end up losing. That's because while they delayed, they lost the savings each month they could have gained by taking action sooner. In other words, they may have lost hundreds of dollars for every month they waited. So even if they got lucky and obtained the rate they were looking for, it could take years to make up what they lost by waiting. I don't want anyone to miss an opportunity by either waiting or misunderstanding the media headline. Let's talk further on this. Call or email me, and let's discuss what this might mean for you.
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There are currently no Announcements.
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