Archives for November 2010

Pimpin’ Your Credit Score

Buying a house is probably the biggest debt you will ever incur.  The lifetime cost of your mortgage greatly depends on your credit score because that determines the interest rate .   You should check your credit reports about 6 months before applying for a mortgage.  This allows enough time to correct any significant errors.  The three credit bureaus are Equifax, Experian and TransUnion.  Each issues their own score but in general,  you want a FICO score of 720 or higher to get the best interest rate.  And since many lenders use the middle figure from the three bureaus as the "correct" … [Read more...]

“Desperate Housecats” TV Show Rejected

Like all cats, Pearl and Saber believe the world revolves around them and that there is nothing humans find more fascinating than cat-watching.  Recently, they hit upon the idea of starring in a new reality TV series called “Desperate Housecats.”  They contacted every major TV producer and network executive, pitching this new show.  To their utter shock and disappointment, everyone rejected the idea.  Top 5 Reasons Why "Desperate Housecats" TV Series Rejected Pearl and Saber are not allowed to go outside.  Nor are other animals allowed inside.  This severely restricts the cast and … [Read more...]

Dangerous Deficiencies

A common question posed by homeowners in financial distress is "Can the lender get a deficiency judgment against me?"  A deficiency judgment is a charge imposed on the owner when the foreclosure sale price fails to fully pay the mortgage balance.   Whether such a judgment is possible depends upon the property's location because each state has crafted its own rules for this situation.    Numerous websites attempt to explain the mortgage foreclosure process and often provide a list of the states where deficiency judgments are allowed.  Unfortunately, these lists can be wrong.  Many … [Read more...]

Cat Dogma

Pearl and Saber have lived with their new humans in Minnetonka, MN for almost three months now.  They worked hard on putting the house in order, but much remains to be done.  Humans can be very stubborn about accepting new routines, so constant supervision has been necessary.  To assist other cats with their human training, Pearl and Saber share some household philosophies below.    It is mandatory to use the litterbox immediately after a human scoops it clean, even if kitty just "performed."  This act serves as a gentle reminder to humans that their work is never done. The recommended … [Read more...]

Decoding HOA Documents

Most people who live in communities with Home Owners Asssociations don't understand their HOA Governing Documents.  And who can blame them?  Those documents were written by lawyers for lawyers and reading them is as easy and fun as giving yourself a root canal.  Nevertheless, owners and potential buyers should possess a basic knowledge for reasons covered below.   This post discusses some key characteristics of these instruments to facilitate a better understanding of how HOAs work. State laws govern home owners associations so the requirements vary from state to state.  In Minnesota, HOA's … [Read more...]

Pearl and Saber’s Story

Pearl and Saber are siblings born July, 2009  in Cannon Falls, MN.  No one knows their mother's fate, but the two-week-old kittens were found in a hollow tree stump, frightened and hungry.  Nor do we know anything about the other half of the gene pool, but it’s rumored that the father was a one-night-stand kind of guy.  Jackie, the kind soul who discovered these babies, rushed them to the local veterinary clinic.  Vet assistants Laura, Caroline and Dannette saved Pearl and Saber’s lives by providing 24/7 care, all on their own dime.   The kittens thrived and lived with Laura and hubby … [Read more...]

Ten Things We Forget to Clean

A clean house improves the chances of selling faster and at a higher price.  You may have also heard the real estate maxim that "the way we live in our house is not the way it should be staged when up for sale."  Similarly, properly cleaning a house that's on the market differs from routine cleaning.   Sellers too often become oblivious to the details in their familiar surroundings while buyers are on high-alert to spot anything dirty.  So after your thorough cleaning is done, check the list below to see if you should keep scrubbing. Clean all lighting fixtures, both inside and outside.  … [Read more...]

Urban Night Slider

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Flower Shops Slider

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Manhole and Bunny Slider

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