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Frustrated that your home hasn’t sold?  Have you thought about purchasing a St. Joseph statue to bury in your yard?  There really is no proof that the statue helps the home sell, but in my experience it’s worth a try.  I took buyers through a home that had been on the market for about a week… inside the house was about 3 St. Joseph statues pointing towards the door.  A few days later the buyers wrote an offer and the house was sold.  Another client I know had purchased and buried a St. Joseph statue in his yard.  After a few weeks with no offers, he became frustrated and dug the statue up.  Did the home ever sell- no. 

Here is an article that talks more about the St. Joseph statue.  St. Joseph

If you are looking for something different to try to help get your home sold, why not try to St. Joseph statue?  What have you got to lose?

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There was an interesting article in yesterday’s newspaper about the 4 different types of shoppers. 

The Primitive (or compulsive) Shopper

The compulsive shopper is driven by anxiety.  They aren’t worried about what they’re buying, as long as they are buying.  The compulsive shopper will go home after their shopping binge and hide the packages.  They also prefer to purchase a certain item, like shoes or clothing for women, or electronics for men.

The Neurotic Shopper

The neurotic shopper shops excessively, looking for the perfect item.  They will plan their shopping around something they need or want.  The neurotic shopper is looking for the “perfect” or “particular” type of something, like a particular style of sweater.  This shopper will buy several items, bring them home, try them on, then either return them all, or pick one.  They tend to return things. 

The Psychotic Shopper

The typical psychotic shopper is represented by a person who appears to be in “manic” phase who went on a shopping spree.  This type of shopper is commonly mistaken as a compulsive shopper. 

The Normal Shopper

The normal shopper saves their money and plans their purchases.  They understand the ideas of delayed gratification and saving money for big ticket items. 

So, what kind of shopper are you?  I am probably a neurotic shopper.  I will usually have an idea of what I want a certain clothing item to look like and then I will hunt and hunt until I find it.  During my hunt I will buy clothes along the way that would kind of work and then return them later.  I often find myself getting disappointed when I can’t find exactly what I want, or if it doesn’t fit right. 

I recently was shopping for a dress to wear to my company’s holiday party.  This usually wouldn’t be such an ordeal, except that I am about 3 months pregnant making it harder to find something that would fit and meet my expectations.  I wanted something that was holiday-ish with some sparkle to it.  I went to every store in town that I normally would buy from- Sears, Target, Kohls, JcPenneys, Macys, Burlington etc.  In my shopping process I purchased several items which I later returned.  I’d find a dress and think, well this isn’t really what I want, but I guess it will work.  I finally went back to Sears to return something and took one more look at their dresses.  They must have got a new shipment in!!!  I found several new ones to try on and finally found one that satisfied me.  Sigh.  Ok, so it was still a little too big, but at least there is room for my belly to grow.  I won’t even talk about maternity clothes- that might take another 5 paragraphs.  Who do they design those after????

So, after about a week’s time we finally got all of our Christmas decorations up.  This year our decorating wasn’t nearly as exciting as last year.  We didn’t run out of lights thanks to my stocking up last year after Christmas.  We did have 1 strand of red and white lights that didn’t work this year, but I improvised by putting 1 white strand and 1 red strand on the tree at the same time- which worked awesome by the way.  Since we didn’t run out of lights there really wasn’t any arguing between my husband and me.  If you’d lke to read about last year’s Christmas decorating click here.  Here is the picture from this year:

 

Homebuyers have you heard about the tax credit the government is giving you if you buy a house?  As part of the Housing and Economic Recovery Act of 2008, a first time home buyer credit is now available. 

Who is eligible?  First-time homebuyers who purchase a home between April 9, 2008 and before July 1, 2009 are eligible.  A first-time homebuyer is defined as a person who has not owned a home in the past 3 years.

How does the tax credit work?  The homebuyer tax credit will reduce the total amount of taxes you owe.  When you file your taxes for the year you purchased your home, you will be able to subtract the amount of the credit from your Federal Income Tax liability, increasing the size of your refund or reducing the amount you owe.

How big is the tax credit?  The tax credit is equal to 10% of the purchase price of your home up to $7500. 

Does the money have to be paid back?  Yes.  The tax credit amount you receive will need to be paid back interest free over a period of 15 years.

For more information about the tax credit please visit http://www.ChrissyMoock.com and click on tax credit.  Or simply call me at 330-936-2519.

Do you wonder if you can buy a house, but not sure where to begin?  Do you find the whole home buying process confusing? 

Then you should attend the Yes, You Can:  Step Up to Home Ownership, seminar. 

The seminar is being held Sept. 20 from 11:00 a.m. to 2:00 p.m. at Timken High School.  You will learn all about buying a home, including topics such as mortgages, home inspections, homeowners insurance etc. 

Please contact Chrissy Moock, Cutler Real Estate with questions.  330-936-2519

If you are a first time home buyer you may qualify for an OHFA loan

What is OHFA?  OHFA stands for the Ohio Housing Finance Agency. 

What does OHFA do?  OHFA can help first time home buyers with down payment assistance or closing cost assistance, either through a grant or a 2nd mortgage on the home they are buying.  Read more here:  down payment options.

Who qualifies as a first time buyer? 

  • Actual first time buyers who have never owned a house before
  • Buyers who have not had an ownership interest in a principal residence within the last 3 years
  • Anyone including previous homeowners buying in a target area

What is a target area?  It is an area that is designated by HUD as an economically distressed area. 
To learn more about target areas:  target areas.

If you would like to see if you qualify for an OHFA loan please contact Lori Telesz at National City Mortgage.  330-305-6480  Or visit her website.

Please contact me if you have any other questions.  Chrissy Moock, Cutler Real Estate 330-936-2519

In the latest issue of Prevention magazine, they say that good posture can help you lost weight faster. Slumping during a cardio workout increases your heart rate. This in turn can make your workout feel harder and make you breath faster. If you pull back your shoulder blades and stand tall, this allows you to take in more oxygen and pick up the pace. Your workout will feel much easier and you will burn more calories!

Remember, good posture = Burn more calories!!