Robin Moon @ Cedar Creek Lake, Texas

706 Southoak, Athens, TX 75751

2011-09-23T11:05:00.000-06:00

Take a look at a new listing in Athens TX. Great 3/2/1 Brick home in nice neighborhood on the outskirts of town so you have country feel.

706 Southoak, Athens, TX 75751

Cedar Creek Lake Fishing Report

2011-09-11T13:51:00.003-06:00

I hope you enjoy the Cedar Creek Lake Fishing report. Water lightly stained;89-95 degrees; 5.87 ft low. Black Bass are good on Texas rigged worms, shaky heads and finesse jigs around docks-best action is early morning on deep brush piles with Carolina rigs. White bass are good on slabs. Hybrid striper are good on live shad. Crappie are fair to good on minnows. Catfish are fair drifting cut shad. Courtesy of The Monitor.

Waterview Condo at Cedar Creek Lake

2011-09-01T12:32:00.000-06:00

Waterview Condo at Cedar Creek Lake

104 Lilac Ln, Gun Barrel City, TX

2011-09-01T11:31:00.000-06:00

104 Lilac Ln, Gun Barrel City, TX

Cedar Creek Lake Fishing report week of 9/2/11

2011-08-29T15:34:00.002-06:00

Water lightly stained; 89-95 degrees; 5.61 ft low. Black bass are good on Texas Rigs, shaky heads and finesse jigs around docks-best action is in early morning with deep brush piles producing throughout the day. White bass are good on slabs. Hybrid stripers are good on live shad. Crappie are good on minnows. Catfish are fair drifting cut shad.

Cedar Creek Lake Fishing Report for July 2011

2011-07-09T09:53:00.003-06:00

Hope you find the Cedar Creek Lake Fishing report useful!

Water lightly stained; 84-88 degrees; 3.76 ft low. Black bass are good on Texas rigs, shaky heads and shallow square bill crankbaits around docks(best action early in the morning). White bass are good thoughout day on slabs. Hybrid striper are good on live shad. Crappie are fair to good on minnows with shallow bite improving. Catfish are fair drifting cut shad.

from Cedar Creek Pilot

Cedar Creek Lake Fishing Report

2011-06-10T09:15:00.002-06:00

Hello,
I hope you enjoy the Cedar Creek Lake Fishing Report for week of June 10th. Water stained;72-76 degrees; 3.25 ft low. Black bass are good on Texas rigs and shallow square bill crankbaits. White bass are good thu-out the day on slabs. Hybrid striper are good on live shad. Crappie are good on minnows with shallow bite improving. Catfish are good on prepared bait and chartruese nightcrawlers(use Worm/Glo).

Cedar Creek Pilot

Summer is here! The heat is here! Hope everyone is keeping cool!

Cedar Creek Lake Fishing Report 5/31/11

2011-05-31T16:38:00.002-06:00

Hope you enjoy the Cedar Creek Lake fishing report.(from Cedar Creek Pilot) Water is stained:66-74 degrees; 1/12 ft low. Black bass are good on Texas rigs and shallow crankbaits. White bass are good thru-out day on slabs. Hybrid striper are good on live shad. Crappie are fair to good on minnows with shallow bite improving. Catfish are fair drifting cut shad.

Summer is here! Hope you had a Great Memorial Day! Looking forward to July 4th!

How to Get the Edge when Selling this Spring

2011-05-02T16:11:00.001-06:00

Michele Dawson, Realty Times Columnist

You'll want your house to sparkle and stand up to the buyer's home inspection. Some ways to do that include:
· Make any necessary structural repairs. You may want to consider hiring a professional inspector to give the house a once-over before you put it on the market. That way, there shouldn't be any surprises down the road once a potential buyer makes and offer and conducts their own inspection. A home inspection should cover drainage conditions, your home's exterior, the chimney, decks, the roof, windows, doors, plumbing fixtures, furnace, air conditioner, insulation, ventilation, electrical, heating, and plumbing systems.
· Check out your shingles, make sure there aren't any loose ones.
· Repair and paint your gutters.
· Shampoo your carpets.
· Repaint any dingy-looking walls. Keep colors neutral to attract a broad base of would-be buyers.
· Clear out the clutter. Let buyers see the kitchen countertops. Have closets just half full so they look larger, clean out the garage, get rid of the knickknacks. And if you have a lot of furniture, put some of it in storage. Less furniture will make the room appear larger.
· Make a great first impression. A potential buyer's first impression is what is know as curb appeal. Keep the lawn mowed, trim the bushes and shrubs, clean the front windows, place a nice welcome mat out, make sure there's no clutter by the front door, clean out the spider webs, leaves and other debris near the front door and, speaking of front doors, make yours look great -- whether it's by painting it, cleaning it, hanging a seasonal wreath or adding a stylish new handle.
If you're selling in a hot sellers' market, then you'll still want to follow the above suggestions, but you'll have more leeway in your negotiations. But experts say it's important to not get greedy and to set a fair price. With mortgage rates still near all-time lows, buyers can get more for their dollar than ever. Homes priced to accurately reflect today's market values and that are in good condition sell very quickly. Today's buyers are looking for homes that are well maintained and ready to move into.
A lot of people are taking price reductions. The ones that do cut their prices are often finding that buyers will step up to the plate.

Cedar Creek Lake Fishing Report for 4/24/2011

2011-04-25T13:20:00.003-06:00

I hope you enjoy the Cedar Creek Lake fishing report. Water stained; 67-70 degrees; 2.87 ft low. Black bass are fair on flukes, Rat-L-Traps and Texas rigs. White Bass are good on slabs and Humdingers. Hybrid striper are fair on live bait and slabs. Crappie are fair on minnows and jigs. Catfish are fair on cheese bait and nightcrawlers.

Cedar Creek Lake Fishing Report for April, 2011

2011-04-11T16:25:00.002-06:00

I hope you enjoy reading the Cedar Creek Lake area fishing report. Water stained; 62-69 degrees, 2.87 feet low. Black Bass are fair on medium running shad pattern crankbaits, Texas rigs and jigs. White bass are good on slabs. Hybrid striper are fair on live shad and large slabs jigged vertically. Crappie are fair to good on minnows. Catfish are fair drifting cut shad.

STAGING your HOME!

2011-03-05T13:47:00.001-06:00

When you know someone is coming by to tour your home, turn on all the indoor and outdoor lights – even during the day. At night, a lit house gives a "homey" impression when viewed from the street. During the daytime, turning on the lights prevents harsh shadows from sunlight and it brightens up any dim areas. Your house looks more homey and cheerful with the lights on.
Do not use scented sprays to prepare for visitors. It is too obvious and many people find the smells of those sprays offensive, not to mention that some may be allergic. If you want to have a pleasant aroma in your house, have a potpourri pot or something natural.
If you have pets, make sure your listing agent puts a notice with your listing in the multiple listing service. If you know someone is coming, it would be best to try to take the pets with you while the homebuyers tour your home. If you cannot do that, It is best to keep dogs in a penned area in the back yard. Try to keep indoor cats in a specific room when you expect visitors, and put a sign on the door. Most of the time, an indoor cat will hide when buyers come to view your property.
Especially if your kitchen trash does not have a lid, make sure you empty it every time someone comes to look at your home – even if your trash can is kept under the kitchen sink. Remember that you want to send a positive image about every aspect of your home. Kitchen trash does not send a positive message. You may go through more plastic bags than usual, but it will be worth it.

Cedar Creek Lake Fishing Report for November 2009

2009-11-03T17:30:00.003-06:00

I hope you enjoy the Cedar Creek Lake Fishing Report for November 2009. Water stained; 63-67 degrees; .52 foot high. Black bass are good on jigs with trailers, spinnerbaits and drop shot rigs. White bass are good on slabs. Hybrid striper are fair to good on live baits and slabs. Crappie are fair on minnows and jigs over brushpiles. Catfish are good on prepared bait and nightcrawlers.

Cedar Creek Lake Fishing Report for October 2009

2009-10-18T15:07:00.002-06:00

I hope you enjoy the following Cedar Creek Lake Fishing report. Water lightly stained; 68-73 degrees, lake level 322.07. Black Bass are good on jigs and trailers, spinnerbaits and drop shot rigs. White bass are good on slabs. Hybrid striper are fair to good on live baits and slabs. Crappie are fair on minnows and jigs over brushpiles. Catfish are good on prepared bait and night crawlers.

Cedar Creek Lake at Halloween!

2009-10-10T12:39:00.002-06:00

On Halloween local businesses, schools, churches, civic groups set up tables and hand out candy at the Mabank Pavillion for Trick or Treating by area kids in a safe environment. It is a great networking event, where you can meet and talk and enjoy the festivities. There are usually games and entertainment for family fun. This year the event will be on 10/31/09 from 5:30 to 7:30pm. Hope to see you there!

Cedar Creek Lake Fishing Report for September 2009

2009-09-21T16:06:00.003-06:00

I hope you enjoy the Fishing report for Cedar Creek Lake! Water lightly stained; 76-80 degrees, .78 ft low. Black Bass are fair to good on Carolina rigs, jigs and drop shots, with early action on topwaters. White bass are fair early on Humdingers, midday switching to Hellbender with Pet Spoon rigs. Hybrid striper are fair burning large slabs. Crappie are slow on small minnows over brushpiles. Catfish are good drifting cut shad and on chatreuse nightcrawlers.

Fishing Joke from Cedar Creek Lake!

2009-08-15T14:56:00.000-06:00

One morning the husband returns after several hours of fishing and decides
to take a nap. Although not familiar with the lake, the wife decides
to take the boat out. She motors out a short distance, anchors, and reads her book.

Along comes a Game Warden in his boat. He pulls up alongside the woman and
says, "Good morning, Ma'am. What are you doing?"

"Reading a book," she replies, (thinking, "Isn't that obvious?")
"You're in a Restricted Fishing Area," he informs her.
"I'm sorry, officer, but I'm not fishing. I'm reading."
"Yes, but you have all the equipment. For all I know you could start
at any moment. I'll have to take you in and write you up."

"If you do that, I'll have to charge you with sexual assault," says the woman.

"But I haven't even touched you," says the game warden.
"That's true, but you have all the equipment. For all I know you could start at any moment."
"Have a nice day ma'am," and he left.

MORAL: Never argue with a woman who reads. It's likely she can also think.

REALTY SPEAKING - Are You Over-Priced?

2009-08-01T11:20:00.000-06:00

If you and your agent have overpriced, fewer agents will show your property. After all, they are Realtors, and it is their job to know local market conditions and property values. If your property is dramatically above market, why waste time? Their time is better spent showing properties that are priced realistically.
Later, when you drop your price, your property is "old news."
You will never be able to recapture that flurry of initial activity you would have had with a realistic price. Your property could take longer to sell.
Even if you do successfully sell at an above market price, your buyer will need a mortgage. The mortgage lender requires an appraisal. If comparable sales for the last six months and current market conditions do not support your sales price, the property won’t appraise. Your deal falls apart. Of course, you can always attempt to renegotiate the price, but only if the buyer is willing to listen. Your property could go "back on the market."
Once your property has fallen out of escrow or sits on the market awhile, it is harder to get a good offer. Potential buyers will think you might be getting desperate, so they will make lower offers. By overpricing your property in the beginning, you could actually end up settling for a lower price than you would have originally been offered.

Quote for the week from Cedar Creek Lake!

2009-07-04T12:36:00.003-06:00

Watch your thoughts; they become words.

Watch your words; they become actions.

Watch your actions; they become habits.

Watch habits; they become character.

Watch your character; it becomes your destiny.

-Frank Outlaw

Cedar Creek Lake Fishing Report for June

2009-06-16T13:53:00.003-06:00

I hope you enjoy this fishing report for Cedar Creek Lake for June, 2009!

Water is lightly stained; 78-83 degrees; .2 ft low. Black Bass are fair on topwaters early, midday switching to Carolina Rigs, jigs and chatterbaits. White bass are good on slabs over humps and on topwater when surface schooling is occurring. Hybrid striper are good on Sassy shad. Crappie are good on jigs around boathouses and over brush piles. Catfish are good on cut shad and chicken liver drifted over points.

A Fishing Joke from Cedar Creek Lake

2009-06-07T14:08:00.001-06:00

Go Fishing

A young guy from Texas moves to California and goes to one of those big "everything under one roof" stores looking for a job. The manager asked, "Do you have any sales experience?" The kid said, "Sure, I was a salesman back home in Texas." The boss liked the kid so he gave him the job. "You start tomorrow. I?ll come down after we close and see how you did." His first day on the job was rough but he got through it. After the store was locked up, the boss came down to see how things went. "How many sales did you make today?" The young man replied without hesitating, "One." The boss said, "Just one? Our sales people average 20 or 30 sales a day. How much was the sale for?" The kid said, "$101,237.64." The boss said, "$101,237.64?! What the hell did you sell?!" The kid said, "First I sold him a small fish hook. Then I sold him a medium fish hook. Then I sold him a larger fish hook. Then I sold him a new fishing rod. Then I asked him where he was going fishing and he said down at the coast, so I told him he was gonna need a boat, so we went down to the boat department and I sold him that twin-engine Chris Craft. Then he said he didn?t think his Honda Civic would pull it, so I took him down to the automotive department and sold him that 4x4 Blazer." Amazed, the boss said, "A guy came in here to buy a fish hook and you sold him a boat and a truck?" "No, he came here to buy a box of tampons for his wife and I said, 'Well, your weekend's shot, you might as well go fishing.'"

edar Creek Lake Fishing Report for May 2009

2009-05-11T11:36:00.000-06:00

I hope you enjoy the Cedar Creek Lake fishing report!
Water lightly stained; 69-75 degrees, .13 foot high. Black Bass are fair on red Rat-L-Traps, jigs, and drop shot rigs-pre-spawn are around the first drop-off. White bass are good on slabs and minnows. Hybrid Striper are fair on live shad and slabs. Crappie are fair to good on minnows and jigs. Catfish are fair drift fishing with cut shad.

Choosing your Agent

2009-05-02T14:30:00.004-06:00

Once you have made the decision to purchase or sell a home, the next step is to find a real estate agent who will best represent you and your housing needs.
There are three types of real estate agencies: the Buyer’s Agent, the Seller’s Agent, and the Intermediary Agent.
These are the three typical Agent/Client relationships that may occur. The terms of these relationships may vary from state to state, so please verify the terms of these Agency Agreements in your local area before signing any agreements.

The Buyer’s Agent
Many prospective home buyers do not feel it is necessary to contract the services of a real estate agent. They feel that the listing agent will represent them fairly during the buying process. However, what many buyers do not know is that the listing agent, or Seller’s Agency, works solely on behalf of, and in the best interest of the home seller. Therefore, it is essential that the buyer seek out and find a Buyer’s Agent that will best meet their needs.
A Buyer’s Agency works solely on behalf of the buyer. The buyer’s agent will assist their client in the negotiation of the terms of a contract. In addition, they will gather information on zoning issues, past tax data, schools and community services, and any other information deemed necessary by the buyer before making the decision to extend an offer on a home.
Many prospective home buyers have the misconception that once they begin working with an agent, he/she represents the buyer. However, this is not always the case. Unless there is a signed Buyer’s Agency Agreement, the agent that is working with the buyer still represents the seller’s interests in the transaction. Without the agreement, there is certain information that the agent cannot disclose to the prospective buyer:
· The reason that the owner is selling the property.
· Any concessions that the seller is willing to negotiate.
· Any conversations between the seller and the agent.
· Any disclosed information that would harm the seller and/or give the buyer an advantage in the contract negotiations.
Normally, there are no extra costs associated with signing a Buyer's Agency Agreement. Any commissions paid to agents in a sales transaction are usually paid at closing by the seller.

The Seller’s Agent
This agent solely represents the seller. If there is an agent involved in a sales transaction, by default, that agent will represent the home seller unless there is a signed Buyer’s Agency Agreement with the buyer.
When looking for an agent to work with, it is best to interview a minimum of 2 to 3 real estate agents before making your final decision. Ask friends and relatives for names that they would recommend.
Below is a list of questions that may help you in deciding on which agent will best meet your needs:
· How long have you been in the Real Estate Business?
· How familiar are you with the area? How long have you lived in the area? How long have you sold houses in this area?
· How many clients are you currently working with?
· Do you work with more sellers or buyers?
· How many homes did you sell last year?
· What is your typical commission?
· How do you plan on marketing or promoting my home?
· Can you provide me with names and phone numbers of some of your most recent clients who would be willing to give me a reference (if this agent has not already been referred to you by a friend or family member)?
When selecting a real estate agent to represent your interests, it is important to find an agent that you trust and feel comfortable with. Remember, this is probably the biggest sales transaction you will have in your life, so it is important to work with someone that you are sure will get you the best offer!

What to Look for in an Agent
In addition to finding a real estate agent that you feel comfortable with and whom you trust, make sure that he/she is a dedicated professional who will work with you until your goals have been met.
They should be familiar with the area. Not only should they be familiar with the housing market, but also with area churches, schools, clubs, and parks.
Also, look for an agent that is a licensed REALTOR®. REALTORS® are individuals who are members of the National Association of REALTORS® (NAR), and must adhere to its strict code of ethics.

By following these guidelines, your home buying or selling experience should be a pleasant one!

Avoid Mistakes of Beginning Investors!

2009-04-07T09:32:00.001-06:00

Investing in real estate provides many owners with positive cash flow, tax benefits and the satisfaction of making an impact in others’ lives. Like any investment, real estate has market trends that, if ignored, can cause an investor tremendous headaches.

Many first-time investors part with their hard-earned money without taking the time to study their investment. They rely on traditional trends and gut feeling. Before you risk your money, take the time to learn all you can about your market. By aligning yourself with the right professional, you can avoid these twelve common mistakes and ensure an excellent return on your money.

1. Failure to determine your time needs. Money, capital appreciation, tax benefits, loss of management, equity pay down and simple pride of ownership are a few of the things that must be addressed before you make that first investment. A service-minded real estate professional can be a tremendous asset by taking the time to evaluate your needs and make sure you’ve got all your bases covered.

2. Not checking out the seller or seller’s agent’s numbers. Claims of extremely high rates of return run rampant in real estate investment. Don’t get caught up in a wave of excitement regarding a property. Check every detail - rents, payment history, taxes, expenses, deposits, future modifications - everything regarding the finances of a potential investment. Be certain you are working with a good agent - it’s like an insurance policy against overlooking all the seemingly insignificant but very important details.

3. Don’t get emotionally attached, it’s just business. Owning investment property carries with it a great potential for creating and holding wealth, but you may also be forced to make potentially difficult decisions. Evictions, re-investment into the property, and time management all need careful consideration. Real estate investment is not a “hand’s off” type of business - it will require your vigilance.

4. Avoid negative cash flow. Property that eats cash every month can drain your working capital rapidly. This can create stress, frustration and become painful over a period of time. Expecting constant appreciation and positive cash flow may be unrealistic for a novice investor. A strain on your bank account may cause you to sell the investment before the benefits of ownership are ever fully realized.

5. Failure to do a thorough inspection. Look everywhere! Hire a professional inspector. Ask the tenants about pest problems, structural damage or recurring problems and don’t overlook anything. A value-driven real estate professional will help you find the right inspector and can help you avoid costly mistakes.

6. Failing to have adequate insurance. Investment properties bring liabilities such as tenants, cars, parking lots, cleaning facilities, property liability - the list can be both extensive and daunting. Adequate insurance coverage is an absolute must. Be sure to consult with an insurance professional to protect your assets.

7. Inspect, approve, and confirm all documents. The list of documents that need to be proofed can be overwhelming to the first-time investor. Building permits, zoning laws, rental and lease applications, health licenses, inspection reports, title policies - the list is long and you can’t risk oversights on any of these. The right real estate professional will work with you to make sure nothing gets overlooked.

8. Get a bill of sale for all personal property involved. Many types of personal property (appliances, furniture, draperies, fixtures, etc.) can be involved with an investment sale. Be very detailed and know who owns what.

9. Charge fair rents. Vacancies, turnovers and lease terminators are your biggest expenses. Charge fair rent, treat your tenants with respect and respond quickly to their needs. It’s a lot less costly in the long run to take care of the little problems while they are still little rather than waiting. A vacant property doesn’t make you money.

10. Select qualified, good tenants from the start. You must take the time to check references. Previous landlords, employers, financial references, credit and judgments are all vitally important. If there are any questions, do a thorough investigation. Drive by their previous residence. A little work up front can save you all sorts of problems later on.
11. Make sure you get estoppel letters. Get letters from the tenants confirming the status of tenancy. Make sure their version of the rental agreement or lease corresponds with the seller’s interpretation.

12. Don’t spend positive cash flow. Most successful investors have free and clear properties. Be sure to re-invest your positive cash flow back into the property payment and speed up the amortization schedule. This decreases your debt load and increases your equity, which in turn increases your net worth.

Investment property can be one of the most rewarding aspects of your financial portfolio. Be sure to be as knowledgeable as possible before risking your money. Do your homework! Consult with a professional real estate agent and protect yourself from the hidden troubles that can plague first-time investors.

13. Choose your agent wisely. Working with a full-time professional real estate agent is a must. Choose your agent by asking questions of him or her. Find out how knowledgeable they are about houses currently for sale in your price range and also of houses that have recently sold. Does your agent work with a good lender that has the reputation of excellent service and low rates to assist you in obtaining financing? Does your agent ask questions of you in order to have a full understanding of what you are looking for and to help you to find the best property for you?

For prompt, courteous, professional service, call Robin Moon:
Office: (903) 887-7055
Cell: (903) 880-5351

Visit my web site at: www.robinmoon.com
E-mail: robin@robinmoon.com
Have questions, need advice you can count on or just want to discuss this further?
Don’t waste any more time; pick up the phone and call me now! I’m here to help!

I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™

Tax Time!

2009-03-03T14:58:00.001-06:00

Don’t you just love it when tax appraisal time comes around? You never know what you’re going to get! As a REALTOR® I am often amused when the tax appraisal value of homes can go up while the actual selling price of homes may go down. Kind of makes you wonder what criteria the bureaucrats are using when they value our homes.
This is the reason why buyers shouldn’t get carried away just because a house is being offered at “10,000 below tax appraisal!!!” That tax appraisal may not be in harmony with the actual market price of the house in question. When buying or selling, market value is the real deciding factor. Where the real estate market is concerned, a home is worth exactly as much as the most eager buyer is willing to pay.
As an experienced REALTOR®, I will do a comparative market evaluation (free, of course!) on your property. I will take into consideration all of the comparable property sales in your market area and factor in the things that make your home unique. This helps us to set the price of your property at the right place—and positions you to realize the greatest profit in the least amount of time.
Even if you are not currently thinking about selling your home, it is useful to have a comparative market evaluation prepared. And when it’s free, with no obligation, why not take advantage of it?
Feel free to e-mail me at robin@robinmoon.com or call at 903-880-5351

Real Estate Trends

2009-03-01T08:33:00.000-06:00

The largest government spending initiative in America's history is now underway. The expectation is that stimulus spending will go where it is likely to benefit the largest number of people. This means the focus will be on big cities in States with high unemployment. These states will benefit immediately from the improvement in payments to the unemployed and cities in these states may also benefit from infrastructure spending. California is interesting not only because its large population will see billions in personal income tax cuts and unemployment relief, it will also benefit from significant infrastructure spending in the IT and high-tech manufacturing sectors. California companies are leaders in alternative energy and this sector is about to take off in a big way. California could be a big winner.Another important factor to be considered is President Obama's conviction that continuing urban sprawl is not in the nation's best interest. High transportation costs, an aging population and runaway costs for health care and social services all point to revitalization of America's inner cities during the Obama Presidency.In severe economic downturns the retail sector suffers immediately. Many businesses close and vacate their premises. These vacancies often create outstanding opportunities for developers particularly where a 'change of use' is viable. Conversions of highly visible vacant industrial space into lower cost space for retailers forced to relocate can be very profitable. Redevelopment of abandoned inner city factories, warehouses and older office buildings into studio offices, apartments, boutique hotels and condominiums will become increasingly popular. Change creates opportunities.In the near to medium term new suburbia will probably not see strong growth in most cities. Older suburbs, the inner rings, will continue to experience pressure to increase housing density and increase availability of support services. Look for sites that are well located for seniors housing in these areas also consider soft rezoning of good locations for sites that work for community medical centers. In some inner ring areas contiguous residential foreclosures will enable site consolidations. Land value may often significantly exceed the cost of buying all the homes and rezoning the property. This is expected to be a significant development opportunity across America for the foreseeable future.Growing rental market demand will come from immigrant families and others requiring low cost family accommodation with access to public transportation or a short commute to work. In order to maintain and grow tax revenues municipalities can be expected to be more open to rezoning inner ring residential areas enabling higher density development. Prime recreational real estate (particularly waterfront property) will benefit from the wariness of individuals to participate in the stock market. Expect to see competitively priced, investment quality properties begin to sell early in the recovery and continue to attract buyers. The renewable energy stimulus initiative opens a brand new market for land with development potential for solar and wind power

Cedar Creek Lake Fishing Report for February 2009

2009-02-15T18:03:00.003-06:00

I hope you enjoy the Cedar Creek Lake fishing report for February!

Water lightly stained, 43-48 degrees; 2.33ft low. Black Bass are fair on spinnerbaits, pearl medium diving crankbaits and chrome Rat-L-Traps. White bass are fair on jigging spoons. Hybrid striper are fair on sassy shad. Catfish are good on cut bait and Danny Kings Punch bait.

Cedar Creek Lake Fishing Report for January 2009

2009-01-06T14:37:00.000-06:00

Hope you enjoy the Cedar Creek Lake fishing report. It also gives info on lake levels.

Water lightly stained; 49-56 degrees; 1.67 feet low. Black Bass are fair on medium running shad pattern crankbaits, Texas rigs and drop shot rigs. White bass are good on slabs. Hybrid striper are fair on live shad and large slabs jigged vertically. Crappie are fair to good on minnows. Catfish are fair drifting cut shad.

From Cedar Creek Lake - Kitchens: The Power of Fit and Finish

2008-12-23T11:56:00.002-06:00

MERRY CHRISTMAS! From Robin Moon and Cedar Creek Lake!

I hope you enjoy this article. The kitchen is the focal point of the Holidays.

RISMEDIA, Nov. 17, 2008-As the weather turns cooler, creating a warm and inviting kitchen can make a big difference in a home’s overall appeal. With a few well-chosen finish updates, you can shift tone and mood and purchase interest.
Fifty years ago, the American kitchen was pretty predictable-a sink, a refrigerator and a range, and for a lucky few, a dishwasher-connected by simple cabinets and countertop. As long as basic conveniences and functionality were covered, there was little need-or demand-for more. The house I grew up in was designed by my dad, who integrated new ideas and features into our compact kitchen-a “breakfast bar” for casual dining and a stainless steel cook top and wall oven. The lively yellow, brown and knotty pine scheme was warm and welcoming and it was our favorite hang-out space for cooking and conversation.
Today, the kitchen has migrated to one of the most experiential rooms in the house, where gourmet cooking rides along with bill paying, crafting and homework. And as the social hub for family and friends, it’s more important than ever to buyers and sellers alike that this key room be fresh and inviting. If the kitchen is outdated and tired, the whole house can feel that way, so a few simple updates can make all the difference in getting the green light on the buying decision.
Fit and finish in a room convey quality-or lack of-so it’s important to look around and pay attention to details. Color and light are the easiest, most cost-efficient elements to add warmth to the kitchen, and you need go no further than the vegetable bin or spice cabinet for inspiration. A scheme of natural greens, yellows, mustards and russets washed with dimmable overhead and under-cabinet lighting can add energy as well as create a level of calm-a kitchen for any mood. If the existing cabinets are sturdy but the finish is sending out a distress signal, a well-executed paint job can turn it around. Mismatched appliances and worn flooring are other leading visual cues, so if the budget permits, replace them.
Last but not least, add sparkle and a new point of view to the kitchen by replacing the metals palette-cabinet hardware, faucet, lighting and outlet covers. A few thoughtfully chosen, simple finish updates can seal the deal.

History of the Wreath

2008-12-17T16:39:00.001-06:00

Those lovely, welcoming wreaths that today decorate doors, fireplaces and walls have a noble history that reaches into Greek mythology and ancient Rome. In fact, wreaths were first created in ancient cultures to adorn the bonnets and noggins of the rich and royal. In the ancient cultures of Persia, Partha and Greece, the wreath was known as a diadem, from the Greek work diadema, or "thing bound around," A diadem worn on the head or bonnet in these cultures was a symbol bearing royal and even spiritual significance. According to Rob Pullen, author of The Wreath Book (Sterling Publishing, 1988), the diadem was regarded as so lovely that other cultures, and other classes, soon adopted it as a headdress to celebrate not only status, but also festive mood and occasions. The Romans initially scorned the diadem as a symbol insulting to their belief in democracy, but soon were crowning their own military and athletic champions with a diadem of laurels. Later this laurel crown went upscale when gold and jewels were added and became the prototype corona, or crown. Somewhere along the line the wreath became a door and wall ornament and the maker's choice of materials said a lot about what the wreath meant. A wreath made with holly and mistletoe might be intended to shelter a home from the spirits of cold and winter. A wreath of birch given by a woman to a man meant she accepted his advances as a lover. Today, wreaths may reflect the personality and spirit of the maker, who can use natural ingredients of dried herbs, weeds and flowers combined with ribbon or even some of the fabulous fake flowers and leaves widely available at craft and art stores. Whatever the material, wreaths today continue to symbolize welcome, eternity and a joyful spirit.

Cedar Creek Lake Fishing Report for December 2008

2008-12-06T16:23:00.000-06:00

Hope you enjoy the Cedar Creek Lake fishing report for December. Water stained; 53-58 degrees; 2.3 ft low. Black Bass are fair on firetiger crankbaits, jigs, and Carolina rigged 6 inch lizards. White bass are fair to good on chartreuse/white slabs. Hybrid striper are slow to fair on live shad and Sassy shad. Crappie are fair on minnows and jigs. Catfish are fair to good on noghtcrawlers and cut shad.

THANKSGIVING

2008-11-23T16:11:00.002-06:00

FROM MY FAMILY TO YOURS... HAPPY THANKSGIVING!!

Pampered Pets of Cedar Creek Lake

2008-11-20T15:16:00.001-06:00

The Pampered pets of Cedar Creek Lake calendars for 2009 are out now and available to purchase at the following merchants/organizations

Solar Screens on HWY 198, Hydrangea House on Market St. in Mabank, Bluebonnet Emporium in Gun Barrel City, Aprils Pet Place in Tool, and the Chamber of Commerce office on Third St. in Mabank.

This is an important fund raiser for Friends of the Animals at Cedar Creek Lake low cost spay/neuter clinic. The calendars are $10 and feature some the lake areas pets and their owners.

If you are a pet lover, you will enjoy these calendars!

A History of Thanksgiving from Cedar Creek Lake

2008-11-14T11:38:00.001-06:00

It's a good thing that our country was founded by people who believed in God. Their faith has given us one day of the year to think about our blessings and to think of them humbly and with gratitude. Thanksgiving Day reflects our deep-seated knowledge that a country's strength depends on a force greater than any individual or group. Throughout the history of America, people have known this to be true. The first designated Thanksgiving Day celebrated in North America occurred more than 400 years ago at Berkeley Plantation on the James River in Virginia. It was held on December 4, 1619 and observed annually thereafter. Two years later, the Pilgrims of New England celebrated a Thanksgiving Day in gratitude for both their survival and the bountiful harvest. Half of the Plymouth Colony had died of starvation and cold during the previous winter. They were thankful that the coming winter would be easier, thanks to the good harvest. Governor William Bradford called for a festival to thank God for simple things, the bountiful harvest, wild game for hunting, and life, the most important gift. The day was celebrated for the next century and a half before President George Washington issued a proclamation in 1789 making Nov. 26 a national day of thanksgiving in the new United States. In 1863, President Abraham Lincoln designated the last Thursday in November to be "a day of thanksgiving and praise to our beneficent Father." In 1941, Congress passed a law making the fourth Thursday in November Thanksgiving Day, a legal holiday.

2008-11-14T11:36:00.000-06:00

Thought for the Day!

2008-11-07T10:50:00.001-06:00

Last Respects

Author Unknown

With all the events occurring in the news, and the impact the events have had on all of our lives, we wanted to share this story:
One day not too long ago the employees of a large company in St. Louis, Missouri returned from their lunch break and were greeted with a sign on the front door. The sign said: “Yesterday, the person who has been hindering your growth in this company passed away. We invite you to join the funeral in the room that has been prepared in the conference room.”
Everyone was sad to hear that one of their colleagues had died, but after a while they started getting curious about who this person might be. The anxiousness grew as the employees arrived at the conference room to pay their last respects. Everyone wondered: “Who is this person who has been hindering my progress? Well, at least they're no longer here!”
One by one, the employees got closer to the coffin and when they looked inside it, they suddenly became speechless. They stood over the coffin, shocked and in silence, as if someone had touched the deepest part of their soul. And slowly, each stepped away. When each looked inside the coffin, they saw their own reflection...a mirror had been placed within the coffin, and everyone who looked inside it could see only themselves. There was also a sign next to the mirror that said: “There is only one person who is capable to set limits to your growth: it is YOU.”
You are the only person who can revolutionize your life. You are the only person who can influence your happiness, your realization and your success. You are the only person who can help yourself. Your life does not change when your boss changes, when your friends change, when your parents change, when your partner changes, when your company changes. Your life changes when YOU change, when you go beyond your limiting beliefs, when you realize that you are the only one responsible for your life.

Cedar Creek Lake Fishing Report for November 2008

2008-11-03T09:05:00.002-06:00

I hope you enjoy the November Cedar Creek Lake Fishing Report.
Water lightly stained; 64-70 degrees; 2.23 feet low. Black Bass are fair to good on spinnerbaits, Rat-L-Traps and Texas Rigs. White bass are good on slabs. Hybrid striper are fair to good on large slabs jigged vertically. Crappie are good over brushpiles. Catfish are fair to good on nightcrawlers.

Quote of the Day!

2008-10-28T08:42:00.002-06:00

If you want to catch something, running after it isn't always the best way. Lois McMaster Bujold

Cedar Creek Lake Fishing Report update for October 2008

2008-10-20T14:53:00.001-06:00

Water lightly stained; 1.93 ft low. Black bass are fair to good on Yellow Magics early, later switching to spinnerbaits, Texas rigs and shaky head rigs. White bass are good to excellent on slabs. Hybrid striper are fair to good on large slabs jigged vertically. Crappie are fair to good over brushpiles. Catfish are fair to good on nightcrawlers.

Cedar Creek Lake Fishing Report for October 2008

2008-10-05T11:48:00.002-06:00

Hope you find the Cedar Creek Lake fishing report useful!

Water is lightly stained; 74 - 80 degrees; 1.67 ft low. Black bass are fair on topwaters early, later switching to Carolina rigs fished in and around creeks. White bass are good on slabs. Hybrid striper are fair on large slabs jigged vertically. Crappie are fair to good over brushpiles. Catfish are fair drifting cut shad.

Quote of the Day! October 1, 2008

2008-10-01T08:19:00.001-06:00

Humor is the great thing, the saving thing. The minute it crops up, all our irritation and resentments slip away, and a sunny spirit takes their place.~Mark Twain

Quote For the Day! September 19th, 2008

2008-09-19T15:55:00.003-06:00

You have to learn that if you start making sure you feel good, everything will be okay. - Rubin Studdard

Cedar Creek Lake Fishing Report for September 2008

2008-09-08T09:39:00.002-06:00

Hope you enjoy the Cedar Creek Lake Fishing Report for September. Fall is in the air and this is a beautiful time of the year!

Water lightly stained; 79-86 degrees; 1.19 ft low. Black Bass are good on Ribbits early, later switching to Texas Rigs, spinnerbaits and Carolina Rigs. White bass are good on Humdingers and topwaters. Hybrid striper and are fair on live shad and Storm Wildeyes. Crappie are fair to good on minnows and jigs over brushpiles. Catfish are good on prepared bait.

Labor Day 2008

2008-08-28T14:23:00.000-06:00

Well this is Labor Day Weekend!
Hope you all have a great fun time planned. If not, come on down to Cedar Creek Lake and enjoy our beautiful lake and Hospitality. Labor Day is when we celebrate for all our hard work. Americans work harder and longer. We deserve a day to be set aside for us to celebrate our freedom and way of life. Labor Day is also the unofficial end of summer and the beginning of a new school year.

Hope you all have a great Labor Day and enjoy the Labor Day recipe I have included for you.

AvocadoChicken SaladIngredients:4 Soft wheat flour tortillas1/2 lb. smoked Chicken1 1/2 tbsp. cocktail or chile sauce1 sectioned, pink grapefruit peeled1 skinned Avocado seeded and diced1/8 cup toasted Pecans chopped1 packaged salad mixDirections:Preheat oven to 400 degrees F. Spray both sides of tortillas with vegetable spray, then press each into large muffin tins or custard cups. Bake for 10 minutes or until golden. Remove from heat and cool. In a medium bowl, combine chicken, dressing and cocktail sauce. Cover and chill for 20 minutes. Stir in grapefruit, avocado and pecans. To serve, arrange greens in tortilla cups and spoon salad on top.

Cedar Creek Lake Fishing Report for August 16,2008

2008-08-16T15:18:00.001-06:00

Hope you find the Cedar Creek Lake Fishing report interesting and useful.
Water lightly stained; 83-89 degrees; 1.25ft low. Black bass are good on Pop-R's early, later switching to Texas rigs, drop shot rigs and shad pattern crank baits. White bass are good on Humdingers and topwaters. Hybrid striper are good on large road runners and swim baits. Crappie are fair to good on minnows and jigs over brushpiles. Catfish are good on prepared bait.

Dog Days of Summer

2008-08-11T10:36:00.000-06:00

Well Folks,
We are in the dog days of summer here at Cedar Creek Lake. This is a great time to buy a lake home! You can enjoy as the summer starts to wind down and do any fixups or honey do's during the fall and winter to get ready for next Spring! Hope to see you soon!

Cedar Creek Lake Fishing Report for August 2008

2008-08-04T20:39:00.003-06:00

Hope you find the Cedar Creek Lake Fishing report interesting and useful.

Water lightly stained; 81-87 degrees; .79 low. Black bass are good on Ribbits early, later switching to Texas rigs, Senkos, and spinnerbaits(pitching spinnerbaits to docks has been productive) White bass are good on Humdingers and topwaters. Hybrid striper are good on swim baits. Crappie are fair to good on minnows and jigs over brushpiles. Catfish are good on prepared bait.

Cedar Creek Lake Fishing Report

2008-07-30T12:47:00.001-06:00

Hope you find the Cedar Creek Lake fishing report helpful.

Water lightly stained; .79ft low. Black bass are good on Ribbits early, later switching to Texas rigs, Senkos and spinnerbaits(pitching spinnerbaits to docks has been productive). White bass are good on Humdingers and topwaters. Hybrid striper are good on swim baits. Crappie are fair to good on minnows and jigs over brushpiles. Catfish are good on prepared bait.

Thinking of Investing in Real Estate at Cedar Creek Lake?

2008-07-15T13:58:00.003-06:00

Avoid These Mistakes

Investing in real estate provides many owners with positive cash flow, tax benefits and the satisfaction of making an impact in others’ lives. Like any investment, real estate has market trends that, if ignored, can cause an investor tremendous headaches.

Many first-time investors part with their hard-earned money without taking the time to study their investment. They rely on traditional trends and gut feeling. Before you risk your money, take the time to learn all you can about your market. By aligning yourself with the right professional, you can avoid these twelve common mistakes and ensure an excellent return on your money.

1. Failure to determine your time needs. Money, capital appreciation, tax benefits, loss of management, equity pay down and simple pride of ownership are a few of the things that must be addressed before you make that first investment. A service-minded real estate professional can be a tremendous asset by taking the time to evaluate your needs and make sure you’ve got all your bases covered.

2. Not checking out the seller or seller’s agent’s numbers. Claims of extremely high rates of return run rampant in real estate investment. Don’t get caught up in a wave of excitement regarding a property. Check every detail - rents, payment history, taxes, expenses, deposits, future modifications - everything regarding the finances of a potential investment. Be certain you are working with a good agent - it’s like an insurance policy against overlooking all the seemingly insignificant but very important details.

3. Don’t get emotionally attached, it’s just business. Owning investment property carries with it a great potential for creating and holding wealth, but you may also be forced to make potentially difficult decisions. Evictions, re-investment into the property, and time management all need careful consideration. Real estate investment is not a “hand’s off” type of business - it will require your vigilance.

4. Avoid negative cash flow. Property that eats cash every month can drain your working capital rapidly. This can create stress, frustration and become painful over a period of time. Expecting constant appreciation and positive cash flow may be unrealistic for a novice investor. A strain on your bank account may cause you to sell the investment before the benefits of ownership are ever fully realized.

5. Failure to do a thorough inspection. Look everywhere! Hire a professional inspector. Ask the tenants about pest problems, structural damage or recurring problems and don’t overlook anything. A value-driven real estate professional will help you find the right inspector and can help you avoid costly mistakes.

6. Failing to have adequate insurance. Investment properties bring liabilities such as tenants, cars, parking lots, cleaning facilities, property liability - the list can be both extensive and daunting. Adequate insurance coverage is an absolute must. Be sure to consult with an insurance professional to protect your assets.

7. Inspect, approve, and confirm all documents. The list of documents that need to be proofed can be overwhelming to the first-time investor. Building permits, zoning laws, rental and lease applications, health licenses, inspection reports, title policies - the list is long and you can’t risk oversights on any of these. The right real estate professional will work with you to make sure nothing gets overlooked.

8. Get a bill of sale for all personal property involved. Many types of personal property (appliances, furniture, draperies, fixtures, etc.) can be involved with an investment sale. Be very detailed and know who owns what.

9. Charge fair rents. Vacancies, turnovers and lease terminators are your biggest expenses. Charge fair rent, treat your tenants with respect and respond quickly to their needs. It’s a lot less costly in the long run to take care of the little problems while they are still little rather than waiting. A vacant property doesn’t make you money.

10. Select qualified, good tenants from the start. You must take the time to check references. Previous landlords, employers, financial references, credit and judgments are all vitally important. If there are any questions, do a thorough investigation. Drive by their previous residence. A little work up front can save you all sorts of problems later on.
11. Make sure you get estoppel letters. Get letters from the tenants confirming the status of tenancy. Make sure their version of the rental agreement or lease corresponds with the seller’s interpretation.

12. Don’t spend positive cash flow. Most successful investors have free and clear properties. Be sure to re-invest your positive cash flow back into the property payment and speed up the amortization schedule. This decreases your debt load and increases your equity, which in turn increases your net worth.

Investment property can be one of the most rewarding aspects of your financial portfolio. Be sure to be as knowledgeable as possible before risking your money. Do your homework! Consult with a professional real estate agent and protect yourself from the hidden troubles that can plague first-time investors.

13. Choose your agent wisely. Working with a full-time professional real estate agent is a must. Choose your agent by asking questions of him or her. Find out how knowledgeable they are about houses currently for sale in your price range and also of houses that have recently sold. Does your agent work with a good lender that has the reputation of excellent service and low rates to assist you in obtaining financing? Does your agent ask questions of you in order to have a full understanding of what you are looking for and to help you to find the best property for you?

For prompt, courteous, professional service, call Robin Moon:
Office: (903) 887-7899
Cell: (903) 880-5351

Visit my web site at: www.robinmoon.com
E-mail: robin@robinmoon.com
Have questions, need advice you can count on or just want to discuss this further?
Don’t waste any more time; pick up the phone and call me now! I’m here to help!

I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™

Cedar Creek Lake Area Fishing Report for July

2008-07-05T13:01:00.001-06:00

Hope you enjoy the Cedar Creek Lake fishing report. Water is lightly stained. Temp. is 80-86 degrees. It is currently .4 foot low. Black bass are good on buzzbaits, jigs, and Texas rigs. White bass are good on Humdingers and topwaters. Hybrid striper are good on swim baits. Crappie are fair to good on minnows and jigs over brushpiles. Catfish are good on prepared bait.

Investors! Check out this Report!

2008-06-21T14:48:00.002-06:00

FREE REPORT # 25 From Robin Moon

INVESTORS: The Best Way To Invest In Real Estate Today!

Purchasing a rental property may be for you - especially in today’s real estate market - if you are looking for a way to increase your personal wealth. Of course, we can’t expect sky-high appreciation rates all the time and one thing about real estate, particularly land, they’re not making it any more! With the continued increase in population and area growth demand, values will continue to increase. And how many times have you heard someone say, I wish I had bought property back when prices were low? Today we must look at a residential market in which a well-chosen, well-managed rental property of one to four units can be the “shining star” in any investor’s portfolio. The key to success is doing your homework and making sure that the numbers work in your favor. If you bought your own home, you already have realized the financial advantages of real estate ownership. The following report will give a brief overview of the many ways you can profit from owning rental real estate today.

1. Investment properties can lower your taxes. Investors tax incentives can be substantial. Some investors can use deductions from rental property assets to offset some of their wage income. Other investors, while not eligible for the offset, can avoid owing taxes on their rental income by showing adequate expenses and deductions. Even if rental payments do not cover the investor’s expenses, tax breaks may actually make up the difference or more. As an investor, you can claim deductions for actual costs you incur for financing, managing, and operating the rental property. That means mortgage interest payments, real estate taxes, insurance, maintenance, repairs, property management fees, travel, advertising, and utilities if not paid for by the tenant, can all be deductions. All can be subtracted from your adjusted gross income when figuring your personal income taxes up to the amount of real estate income you receive. Also, don’t forget about depreciation. The tax code assumes buildings and improvements wear out over time. These losses are deductible from income, regardless of the property’s actual market value.
2. Have a positive cash flow. Positive cash flow results when the rent you receive exceeds the total you pay for the mortgage, taxes, insurance, maintenance, and other costs. That’s not at all as hard as it sounds. First, decide whether you need a positive cash flow before or after taxes. A pre-tax positive cash flow translates into current income, a goal of many retired investors and others with current expenses. Properties yielding a pre-tax positive cash flow are harder, but certainly not impossible, to find. Be aware that not all properties will yield rental income which is high enough to cover your expenses. Make sure you know how much rent to expect by researching rents for similar units nearby, the property’s current rental fee, and that of the last increase.A positive after-tax cash flow can come from a negative pre-tax cash flow. Generally, the depreciation deduction makes up the difference. If you meet the eligibility test, you’ll be able to use the depreciation to shelter some of your taxable income and reduce your tax bill. Second, you’ll want to ensure your tenants make timely rent payments and take care of the property. Of course, a positive cash flow is impossible without income. A thorough credit, employment and landlord check of any potential tenants is a must and will help you track down the best renters.

3. Use leverage. As an investor, you magnify the returns on your investment by borrowing a large part of the purchase price using the bank’s money! That is, by limiting the amount of cash you invest, you make your cash go farther. Leverage means using borrowed money to increase equity. And equity - the difference between what the property is worth and the balance owed on the mortgage - is what’s important when figuring out whether your dollars are wisely invested.
4. Benefit from growing equity. Even at a modest rate of appreciation, real estate will yield a higher return on the cash investment than most other financial investments, such as bonds or long-term CD’s. Each mortgage principal payment you make is a payment to yourself. You build equity as your mortgage principal is paid down, even if your investment property doesn’t increase in value. Although homes in different parts of town may appreciate at entirely different rates, the key is to have a knowledgeable professional carefully guiding you through the steps. Know how much equity you have and learn to use it to leverage into other properties; then watch your real estate portfolio and your personal wealth grow!

Choose your agent wisely. Working with a full-time professional real estate agent is a must. Choose your agent by asking questions of him or her. Find out how knowledgeable they are about houses currently for sale in your price range and also of houses that have recently sold. Does your agent work with a good lender that has the reputation of excellent service and low rates to assist you in obtaining financing? Does your agent ask questions of you in order to have a full understanding of what you are looking for and to help you to find the best property for you?
Thank you for requesting a copy of this “FREE REPORT”

For prompt, courteous, professional service, call Robin Moon:
Office: (903) 887-7899
Metro: (972) 971-6868
Cell: (903) 880-5351

Visit my web site at: http://www.robinmoon.com/
E-mail: robin@robinmoon.com
Have questions, need advice you can count on or just want to discuss this further?
Don’t waste any more time; pick up the phone and call me now! I’m here to help!

I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™

Cedar Creek Lake Memorial Day 2008

2008-05-29T14:22:00.002-06:00

We had a great turn out for our open house on Memorial Day weekend! The lake was buzzing with people. Hope to have a great summer and hope to see you here!

Cedar Creek Lake in the summer

2008-05-18T11:55:00.002-06:00

My Uncle Elzie says,: Come see Cedar Creek Lake! It is beautiful in the summer and the fishing is great!

Quote for the week of April 26,2008

2008-04-22T20:38:00.001-06:00

He has achieved success who has lived well, laughed often and loved much, who has gained the respect of intelligent men and the love of children, who has filled his niche and accomplished his task, who has left the world better than he found it, whether by an improved poppy, a perfect poem, or a rescued soul, who has never lacked appreciation of earths beauty or failed to express it, who has always looked for the best in others and given the best he had, whose life was an inspriation, whose memory a benediction. - Bessie Stanley

Quote for Week of 4/11/08

2008-04-07T11:38:00.001-06:00

Vacations are wonderful social equalizers. People come back just as broke as their neighbors who couldn't afford to go.

Joke or Quote of the Week for Aprils Fools Week!

2008-04-01T11:00:00.001-06:00

Fallen!
I recall a time when my son was about 18 months old... I had him strapped in a backpack and was rushing to catch the bus. Apparently I misstepped and fell down an entire flight of stairs, (13 to be exact). I was bruised, bleeding and I had torn my jeans... but my main concern was, naturally for my child.
My fears were alleviated though, when from behind me I heard a gleeful giggle followed by, "Again!"

Inner Peace
"The way to achieve inner peace is to finish all the things you've started."
So I looked around the house to see all the things I started and hadn't finished....and before getting to my work this morning I finished off a bottle of red wine, a bottle of white, the Bailey's, Kahlua and Wild Turkey, my Prozac, some valium, my cigarettes and a box of chocolates.
You have no idea how freakin good I feel.... You may pass this on to those you feel are in need of Inner Peace...

A Good Time to Buy! An article from the Wall Street Journal

2008-03-27T11:30:00.001-06:00

A Good Time to Buy a HouseIf You Can Afford One
By Shelly Banjo From The Wall Street Journal Online
Finally, it's a buyer's market out there.
For years rapidly rising prices kept many first-time home buyers out of the housing market. But as home values slide further downward and interest rates hover at relatively low levels, it may be time to start looking to buy that first house.
That is, if you have a secure job, can afford higher down payments than were required a few years ago and can meet lenders' much stricter income and credit requirements.
Related Articles
Should first-time buyers jump into the market?
No Money Down? You're Out of Luck
"Lenders aren't cutting everyone off. They're reverting to sanity after years of making bad loans," says Dick Lepre, senior loan officer at Residential Pacific Mortgage, in San Francisco.
The U.S. median home price was $201,000 in January, down 4.6% from January 2007. The S&P/Case-Shiller national home-price index for the fourth quarter was down 8.9% from a year earlier, the biggest drop in its 20 years. Prices have plunged 10% to 12% in troubled markets like Florida and California, and many economists predict an overall slide of 20% or more before the housing market bottoms.
There was a 10-month supply of existing homes for sale in January, up from just under five months during boom times.
If you are about to get into the housing market, this is all good news. But before you begin visiting open houses, recognize that the old home-buying rules no longer apply. You want to approach buying your first house with a financially realistic point of view.
Remember: You're investing in a place to live, not speculating in the stock market or even putting money into a savings account. So keep it simple. Buy smarter. Buy cheaper.
Determine what you can afford. "The days of easy money are over," says Jeff Bogue, a financial planner in Wells, Maine. Mortgage lenders have tightened their standards and are requiring larger down payments. Typically, they want buyers to spend no more than 28% of their gross monthly income on mortgage payments, real-estate taxes and home insurance.
To figure out how much you can afford, use online calculators at realestatejournal.com, dinkytown.com or bankrate.com and "get preapproved or preauthorized for a loan," Mr. Bogue says.
Be sure you also have cash for closing costs like legal fees and title charges. The total typically reaches 2% to 3% of the house price, but differs by state and mortgage product, says Ilona Bray, co-author of "Nolo's Essential Guide to Buying Your First Home." Also be prepared to pay for moving expenses and ongoing maintenance.
Know your market. Gone are the days of "sure thing" home purchases when buyers would bid up prices and then watch the values of their houses soar like tech stocks in 1999. Today, if buyers are bidding at all, they're far more likely to insist on lower prices and to walk away if they don't get what they want.
Now more than ever, location is crucial, down to the neighborhood and street level. Focus on good school districts, crime statistics and any impending construction or public works that could increase or decrease the value of a home. Conduct preliminary research online at Web sites like Zillow.com, Trulia.com and greatschools.net.
"Eighty percent to 90% of housing prices can be explained by what's happening in local economies. Take a hard look at job growth and neighborhood conditions," says Patrick Newport, an economist at Global Insight in Waltham, Mass.
Make your dollars count. Although conditions vary by market, look for a home that is significantly lower than its 2004 price. (You can ask real-estate agents for information and check estimated historical values at Zillow.) "From the peak to trough, home prices in some markets will drop 35% to 40%," says Christopher Thornberg, a principal at Beacon Economics, a consulting and research firm in Los Angeles.
Haggle. Don't assume the seller is even in the right ballpark with his asking price. Most real-estate agents and sellers only look at comparable sales prices, or "comps," of similar homes in similar neighborhoods. Take a lesson from property investors and appraisers instead and check out prices from other angles as well.
Consider what it would cost to buy land and build a comparable structure. Insurance companies can provide general cost estimates, but for a thorough assessment consider hiring an appraiser (search online by zip code at AppraisalInstitute.org).
Also compare your estimated monthly costs for the mortgage, taxes and other expenses with the cost of renting a similar place nearby. If you can rent virtually the same house for a much lower cost, the seller is asking too much.
Builders, sellers and banks are eager to unload unoccupied houses, giving the buyer more leverage to ask for lower prices or incentives. And don't overlook REOs ("real estate owned" properties) held by lenders, says Patrick Carey, executive vice president of default and retention operations for Wells Fargo.
Buy for the long haul. "Most first-time home buyers don't buy the house they're going to end up in," says Ilyce Glink, author of "100 Questions Every First-Time Home Buyer Should Ask." But experts suggest that in a downward market, people should purchase a home only if they intend to live there for seven to 10 years.
"Historically, housing bubbles have taken several years to deflate, but it's hard to tell if we'll see prices drop a lot in the next two or three years or see moderate drops over the next 10 years," says Mr. Newport, the economist.
If you're not planning to stay in the house for long, he notes, "it may be wise to watch from the sidelines."
Email your comments to rjeditor@dowjones.com.

Out of the mouths of babes

2008-03-23T17:41:00.001-06:00

Here are some quotes for you today!

What Does Love Mean???
A group of professional people posed this question to a group of 4 to 8 year-olds, "What does love mean?" The answers they got were broader and deeper than anyone could have imagined. See what you think:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ "Love is like a little old woman and a little old man who are still friends even after they know each other so well." ...Tommy - age 6 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ "During my piano recital, I was on a stage and I was scared. I looked at all the people watching me and saw my daddy waving and smiling. He was the only one doing that. I wasn't scared anymore." ...Cindy - age 8 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ "My mommy loves me more than anybody. You don't see anyone else kissing me to sleep at night." ...Clare - age 6 ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Love is when Mommy gives Daddy the best piece of chicken." ...Elaine - age 5

Easter

2008-03-22T10:10:00.001-06:00

Happy Easter Weekend! Please remember me for all your Real Estate Needs! Her is my Joke of the day!

A Sunday school teacher was discussing the Ten Commandments with her five and six year olds. After explaining the commandment to "honour" thy Father and thy Mother, she asked, "Is there a commandment that teaches us how to treat our brothers and sisters?" Without missing a beat one little boy (the oldest of a family) answered, "Thou shall not kill."

Spring is in the Air!

2008-03-03T18:01:00.002-06:00

Well this year is sure going by! It is already March and Spring will be here before we know it! Just want to remind everyone to forward your clocks one hour on March 8th before going to bed. Time change is on March 9th. The real estate market is still holding steady in Texas and interest rates are low, so now is the time to buy! Looking forward to a busy summer at the lake this year.

Christmas

2007-12-06T17:42:00.000-06:00

I’m sending Christmas greetings your way and wishing you a joyous and blessed holiday with people you love.

I wish you and your family a day overflowing with love, mercy and hope.
Blessings,

Robin Moon

Excite Realty.com

903-880-5351

www.robinmoon.com

Realty Speaking! Multiple Listing Service!

2007-06-02T13:19:00.000-06:00

Even before the sign is up and the brochures are ready, your agent should list your property with the local MLS (Multiple Listing Service). The MLS is a database of all the properties listed by the local real estate agents who are members of the service, which is practically all of the local agents.

Important information about your property is listed here, from general data such as square footage and number of rooms, to such details as whether you have central air conditioning or hardwood flooring. There should also be photos, and a short verbal description of what makes your property "special".

Agents search the database for properties that fit the price range and needs of their clients. They pay special attention to properties that have been recently placed on the market, which is one reason you get a lot of attenton when your property is first listed.

The main point about having your property listed in the MLS is that you expand your sales force by the number of local MLS members/ Instead of having just one agent working for you, now you have approximately 185 to help you sell your property. Some offices use the Dallas MLS also to increase the exposure of your property to many more.

One of the listing agent's main priorities is to make sure that the other MLS members know about your property. This is accomplished through listing your property in the Multiple Listing Service, broker previews and advertising targeted toward other agents, not homebuyers.

Realty Speaking! Which Realtor?

2007-05-22T10:22:00.000-06:00

If you're like many people, you pick the Realtor that says they can get the most for your house. This is an agent who seems willing to listen to your input and work with you. Thgis is an agent that cares about putting the most money in your pocket. This is an agent that is willing to start out at your price and if you need to drop the price later, you can do that easily, right? After all, everybody else does it!

The truth is that you may have just met an agent engaging in a questionable sales practice called "buying a listing". He bought the listing by suggesting you might be able to get a higher sales price than the other agents quoted. Most likely, he is quite doubtful that your home will actually sell at that price. The intention is to eventually get you to lower the price.

Why do agents buy the listings? There are basically 2 reasons. A well meaning and hard working agent can feel pressure from a homeowner who has an inflated perception of his homes worth. On the other hand, there are some agents who engage in this sales practice routinely.

Whichever the case, if you start out too high a price on your home, you may have just added to your stress level. If you and your agent have overpriced, fewer agents will show your home. After all, they are Realtors, and it is their job to know the local market. If your home is too overpriced, why waste their time showing it? Their time is better spent showing homes that re priced realistically. Later, when you drop your price, your house is "old news".

Realty Speaking! Dropping Your Price, Too Late!

2007-04-20T16:51:00.000-06:00

If you and your agent have over priced, fewer agents will show your property. After all, the are Realtors, and it is their job to know local market conditions and property values. If your property is dramatically above market, why waste time? Their time is better spent showing properties that are listed realistically. Later, when you drop your price, your property is "old news". You will never be able to recapture that flurry of initial activity you would have had with a realistic price. Your property could take longer to sell. Even if you do successfully sell at an above market price, your buyer will need a mortgage. The mortgage lender requires an appraisal. If comparable sales for the last 6 months and current market conditions do not support your sales price, the property won't appraise. Your deal falls apart. Of course, you can always attempt to renegotiate the price, but only if the buyer is willing to listen. Your property could go back on the market. Once your property has fallen out of escrow or sits on the market for a while, it is harder to get a good offer. Potential buyers will think you might be getting desperate, so they will make lower offers. By overpricing your property in the beginning, you could actually end up settling for a lower price than you would have originally been offered.

Realty Speaking! What to Offer?

2007-04-18T09:35:00.000-06:00

The first step in determining the price you are willing to offer for your next "Dream Home" is to look at the recent sales of similar homes. These "comparable sales" are recent sales of homes that compare closely to the one you are looking to purchase. You want to compare prices of homes that are similar in square footage, number of bedrooms and bathrooms, lot size, type of construction and maybe lake frontage or view.

The most accessible source of information on comparable sales is the public record. When someone buys a home, the property is deeded from the seller to the buyer and the deed is recorded at the local county recorder's office. Accessing the data is another matter, at least for the general public. Realtors can generally look up this information through www.TaxNetUSA.com, an online service that most Real Estate offices subscribe to.

The next source is the Multiple Listing Service (MLS). Most of the public is aware that the MLS is a private resource where Realtors list properties available for sale. Once a listed property is sold and closed the selling price is posted to the MLS. Over time, it has become a huge database on past sales, containing much more information on individual homes than can be gleaned from the public record. This information is only available to agents who are members of the local MLS.

Your agent will provide you with this data to help determine your offer price. Although your agent may provide advice and guidance, you are the one who makes the decision. The price you put in the offer is totally up to you.

Realty Speaking! Commissions Earned!

2007-04-05T16:18:00.000-06:00

There is a certain percentage that real estate agents expect to earn as a commission for the successful sale of your property. This commission amount is a certain precent of the sales price. Or, some companies will charge a set fee for their services. However, just like anything else in real estate, this amount is sometimes negotiable. When completing the listing agreement, you and your agent will agree on the amount of the real estate commission.

Your listing contract specifies a listing price. Your agent's job is to bring a "ready,willing, and able" buyer to present an offer. If you reach an agreement with the buyer, then the agent has done his job and earned the commission. Once the sale has closed, the real estate broker gets paid from the proceeds of the sale.

If the buyer proves unable or unwilling to conclude the sale, the house is placed back on the market and the agent has to begin earning his or her commission all over again.

However, if the seller backs out or does not accept an offer that meets the price and terms of the listing agreement, the listing broker has still earned the commission. They may want to be paid, even though you did not actually sell your home. Therefore, it is very important to carefully consider every detail when completing your listing agreement and accepting an offer to buy your property. After all, this is a legal & binding contract between you and your broker.

Realty Speaking! Inspections

2007-03-28T12:10:00.000-06:00

Besides appraisal and the termite inspection, you should also have a professional go through the house and seek out potential problems. Of course, you will have inspected the home, but you are not used to looking at some things that a professional will find. Even if they are not things the seller is expected to repair, at least you will have foreknowledge of any potential problems.
You will want to allow yourself enough time so that once you receive the inspection, you will have sufficient time to review and approve the report. If you do not approve the report, you may negotiate with the sellers on which repairs should be performed and who should pay for those repairs. Otherwise, you can cancel the purchase without losing your “Earnest Money”, provided you have included a “Termination Option”. This gives you the unrestricted right to terminate the contract by giving notice to the seller within a stated number of days.
Before closing, you will want to revisit the property to ensure it is in the condition you have required in your offer, and to inspect that any required repairs have been performed. The contract provides that the seller will deliver possession of the property to you in the same condition as on the date you executed the contract, ordinary wear & tear excepted, and subject to any agreed repairs being completed. You should do this “Final Walk Thru” no sooner than five days before you intend to close.

Realty Speaking! Different Types of Listings

2007-03-02T17:36:00.000-06:00

There are different types of listing contracts, but very few of them are used. The "open listing" is mostly used by people trying to sell their home by owner who are also willing to work with real estate agents. If their client buys your home, the agent earns a commission. There is nothing exclusive about an open listing. For that reason, no agent is going to market your home or put it in the MLS.

"An exclusive agency listing" allows an agent to list and market your home, guaranteeing them a commission if the house sells through any real estate agent or company. It also allows sellers to seek out buyers on their own. There is not much incentive for agents to spend money marketing and a good agent would never accept such a listing.

A " One Time Show" is similar to an open listing in many respects, as it is most often used by real estate agents who are showing a FSBO ( for sale by owner) to one of their cients. As with an open listing, agents will not be spending money on marketing your home and it will not be placed in the Multiple Listing System.

Giving a real estate agent the "exclusive right to sell" your property does not mean that there will not be other agents involved. An "exclusive right to sell" is the only type of listing an effective agent will accept. This is because they have a reasonable expectation of earning back any money they spend on promoting and marketing your property.

Realty Speaking! Staging to Sell!

2007-01-29T15:19:00.000-06:00

When you know someone is coming by to tour your home, turn on all the indoor and outdoor lights- even during the day. At night, a lit house gives a "homey" impression when viewed from the street. During the daytime, turning on the lights prevents harsh shadows from sunlight and it brightens up any dim areas. Your house looks more homey and cheerful with the lights on.
Do not use scented sprays to prepare for visitors. It is too obvious and many people find the smells of those sprays offensive, not to mention that some may be allergic. If you want to have a pleasant aroma in your house, have a potpourri pot or something natural.
If you have pets, make sure your listing agent puts a notice with your lisitng in the multiple listing service. If you know someone is coming, it would be best to try to take the pets with you while the homebuyers tour your home. If you cannot do that, it is best to keep dogs in a penned area in the back yard. Try to keep indoor cats in a specific room when you expect visitors, and put a sign on the door. Most of the time, an indoor cat will hide when buyers come to view your property.
Especially if your kitchen trash does not have a lid, make sure you empty it every time someone comes to look at your home- even if your trash can is kept under the kitchen sink. Remember that you want to send a positive image about every apsect of your home. Kitchen trash does not send a positive message. You may go through more plastic bags than usual, but it will be worth it.

Realty Speaking! Writing the Offer!

2007-01-21T19:20:00.000-06:00

Once you find the home you want to buy, the next step is to write an offer-which is not as easy as it sounds, Your offer is the first step toward negotiating a sales contract with the seller. Since this is just the beginning of negotiations, you should put yourself in the seller's shoes and imagine his or her reaction to everything you include. Your goal is to get what you want and imagining the seller's reactions will help you attain that goal.
The offer is much more complicated than simply coming up with a price and saying, "This is what I'll pay." Because of the large dollar amounts involved, both you and the seller want to build in protections and contingencies to protect your investment and limit your risk.
In an offer to purchase real estate, you include not only the price you are willing to pay, but other details of the purchase as well.This includes how you intend to finance the home, down payment, who pays what closing costs, inspections, timetables, whether personal property is included, terms of cancellation, any repairs you want performed, which professional services will be used, when you get physical possession of the property, and how to settle disputes should they occur.
Buying a home is a major event for both the buyer and seller. It will affect your finances more than any other previous purchase or investment. However, it is more important than just money. In the half hour it takes to write an offer you are making decisions that affect how you live for the next several years, if not the rest of your life.

Realty Speaking! Don't Buy a Car!

2007-01-20T18:01:00.000-06:00

When an individuals income starts growing and they manage to set aside some savings, they commonly experience what may be considered an innate instinct of modern civilized mankind.

The desire to spend money.

Since Americans have a special love affair with the automobile, this becomes a high priority item on the shopping list. Later, other things will be added and one of those will probably be a house.

However, by the time home ownership has become more than a distant and hopeful dream, you may have already bought the car.

It happens all the time, sometimes just before you contact a lender to get pre-qualified for a mortgage.

As part of the interview, you may tell the loan officer your price target. He will ask about your income, your savings and your debts, then give you his opinion. "If only you didn't have this car payment," he might begin, "you would certainly qualify for a home loan to buy that house."

When determining your ability to qualify for a mortgage, a lender looks at what is called your "debt-to-income" ratio. A debt-to-income ratio is the percentage of your gross monthly income (before taxes) that you spend on debt. This will include your monthly housing costs, including principal, interest, taxes, insurance, and homeowners association fees if any. It will also include your monthly consumer debt, including credit cards, student loans, installment debt, and ....

car payments.