TV TUESDAY

If you missed the Lake Ozark Christmas Parade...NO WORRIES! Here is footage from Lake TV where you can view the parade in the comfort of your warm home or office.

Until Next Time, Ebbie

Decorating Wednesday!

I'm in a Contemporary Mood Today. Here are a couple ideas. These are also great concepts for staging your home for sale.

Until Next Time,

Ebbie

Positive Economic Data Fuels Mortgage Rise

Mortgage rates have surged upwards for the second consecutive week in response to better-than-expected economic reports, particularly in the growth of private-sector jobs.

“Fixed mortgage rates increased this week following stronger-than-expected economic data releases,” Frank E. Nothaft, Freddie Mac vice president and chief economist, said in a statement.

“Private companies added 215,000 new jobs in November according to the ADP employment report, well above the consensus. In addition, revisions added 54,000 jobs in the prior month.”

The average rate for 30-year fixed mortgages rose to 4.46 percent this week, up from 4.29 percent last week, according to the latest Freddie Mac mortgage survey. The average was 4.16 percent a month ago and 3.34 percent a year ago. The 30-year-fixed average has not surpassed 4.5 percent since late September.

The average rate on a 15-year fixed mortgage also saw a sharp increase this week, climbing to 3.47 percent  from 3.30 percent last week. The 15-year-fixed average was 3.27 percent a month ago and 2.67 percent a year ago.

In addition to the positive economic data, Nothaft reported an uptick in home sales during October.

“[N]ew home sales rose 25 percent in the month of October to a seasonally adjusted 444,000 annual pace, though this followed a weaker-than-expected September report and downward revisions over the summer months,” Nothaft said.

The increase in home sales is a sign that, despite the recent increase in rates, fixed-rate mortgage loans remain affordable for many home buyers.

Averages on hybrid adjustable-rate mortgage loans were mixed. The five-year ARM saw a slight increase of 0.05 percentage point over the last week and settled at 2.99 percent. The one-year ARM fell by 0.01 percentage point to 2.59 percent.

In the latest Mortgage Rate Trend Index by Bankrate.com, 55 percent of the loan experts polled said they expected mortgage rates will continue to climb.

“I believe that rates are likely to rise in the coming week as solid employment data are likely perceived as increasing the chances of the Fed making a December tapering announcement,” opined John Walsh, president of Total Mortgage Services.

Source: Click Here

Until Next Time and Have a Wonderful Week!

Ebbie

TV TUESDAY!! This is absolutely amazing!!!

It warms my heart to see Good Sportsmanship. Check out this video.

Happy Thanksgiving!

We are always happy when Thanksgiving approaches because this festive occasion gives us the opportunity to appreciate and express our gratitude to all those with whom we have worked together and have had a fruitful association.

It's a pleasure to declare that the past year has been good for us, and we thank you for your unending support which has helped both of us grow.

Happy Thanksgiving and many blessings,

Ebbie

Decorating Wednesday!

Decorating Wednesday!

With the holidays coming up a Planter with Red Plants makes a beautiful simple easy outside decor.

Sometimes I just really like simplicity.  This is a perfect example for the on stop type to hang everyone's winter coats from the blistery cold winter we are having.

Underneath these rich colored cabinetry are mounted lights giving that warm inviting glow for any Chef in the Kitchen. Pretty inviting right???

That time of year where everyone is bringing out the Red Wines for their Holiday Christmas Parties and Family Dinners!! Love the way you can store your wine and the uniqueness of the stools!

I love a long gorgeous table. The more the merrier! We love having company over!!

Again, the perfect man cave or after that thanksgiving turkey where everyone gets sleepy. Have your own personal Home Theater instead of going out in the cold!!!

End the night surrounded by family whether playing cards on the table, or charades in the couch area. Who doesn't love games???!!

Until next time and have a wonderful warm Happy Thanksgiving,

Ebbie

TV TUESDAY! Lake News

Was My Home A Good Investment?

Here is a interesting Calculator on Home Rate of Return:

Link to use Calculator: http://money.cnn.com/calculator/pf/home-rate-of-return/

Until Next Time,

Ebbie

Decorating Wednesday!!!!

Keeping it simple and classy, what little girl doesn't like pink!!!

Want a movie theater in your house? This is a perfect example of how easy it is to have one.

Stick with a color tone and use variations of the color pallet is sure to make a statement.

A entry way to DIE for!!! Absolutely breathtaking!!

Want to cover a bare wall? EASY! Just buy a bunch of frames and put your favorite pics in it. 

Great conversation piece when friends or family come over.

It does not have to cost much to have the bedroom of your dreams. I like to make the bed the center piece and decorate around it.

Okay Okay, I know. What women does not like a HUGE closet!!!  A perfect example of every women's dream closet.

Until next time and have a wonderful day,

Ebbie

TV TUESDAY with LAKE TV

Laurie's "Enchanted Village Of The Lights"

Enchanted Village Of The Lights is held every year with beautiful light displays for the Holiday Season.

Opening date this year is November 17th with the last lighting for the season on January 1, 2014. We hope you enjoy it this year. 

Until next time, 
Ebbie

How to prepare on buying your "Dream Home"....

If you’re like everyone else, you dream about buying a house but wake up to the reality of loose-end finances and the overwhelming prospect of a monthly mortgage.

So how to prepare?

1. Check your credit – Requesting a credit report is actually one of the easiest things you can do; clearing fraudulent activity is one of the hardest. That’s why it’s important to check your credit history early in the process if you’re thinking about buying. If you find something negative on your report, it could take months to clear things up. The U.S. government allows for one free report each year from each of the three national credit bureaus – TransUnion, Experian and Equifax. Visit annualcreditreport.com for your free reports. It's a great first step.

2. Pay down debt – This might seem like a no-brainer, but banks don’t want to see that you have a whole lot of stuff and not a whole lot of money. Banks need to know you’ll be able to pay their loan first and foremost, and they like to see a high credit score, which debt negatively affects. So start paying off those credit cards, and put off purchasing that new car or making any other major purchases until after you’ve secured a mortgage. Speaking of mortgages…

3. Build a down payment – Conventional wisdom says a down payment should be no less than 20 percent of the home price. A 20-percent down payment is something to shoot for, but it's not necessarily required or entirely realistic, particularly for first-time homebuyers. A 3.5 percent down payment is the minimum required to secure an FHA loan. So although you might not end up bringing 20 percent to the transaction, you will have to prepare to bring some cash to the transaction.

4. Research neighborhoods – This is where the fun starts. If you’re not sure which part of town you’re looking to live, get out and explore! Drive around, walk the streets, visit the shops and eat in the restaurants. If you don’t see yourself living there, then move on to the next community. And don’t forget to research school districts – even if you don’t have children or don’t have children in public schools. Homes in good school districts move the fastest when it’s time to sell – should that day ever come.

5. Get pre-approved – Unless you’re paying cash, nothing shows a seller you’re ready to buy quite like having a pre-approval letter from a lender. Plus, you’ll know exactly how much you can borrow, which can guide you toward properties in your price range. Plan to secure a pre-approval just before you start looking at homes. Meet with several lenders to determine which company you trust most and which one can offer you the best terms and interest rate. Oftentimes, your real estate agent can provide you the names of reputable lenders.

If we can be any help to you finding your perfect home at the lake, please let us know or call 573-302-2313. Until next time! Ebbie :) 

RE/MAX Real Estate Symposium last Thursday generated a little more excitement than usual

• CBRE, Inc. imageThe plans for Towne Harbour near the Grand Glaize Bridge calls for two hotels and a broadwalk shopping area.
  
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  The annual Re/Max Real Estate Symposium last Thursday 
  generated a little more excitement than usual when developer
  Kent Nixon announced plans for a major hotel and retail 
  center in Osage Beach.
  Nixon said he plans to build Towne Harbor on the former 
  Kalfran Resort property off Jeffries Road at about the 
  19.5 miler marker of the Main Channel. The major stumbling 
  block, he said, was the success of a Tax Increment Financing 
  (TIF) application he has yet to file with the city of Osage Beach.
  Nixon said his vision is for an “entertainment district” that 
  would include two hotels, a boardwalk of retail shops, restaurants 
  and bars and other facilities. It would be built in two phases, 
  with the first getting underway by next summer.
  “It all depends on the success of the TIF application,” he said. 
  “There won’t be anything quite like this at the lake.”
  Nixon plans to have the letters of intent ready by the end of the
  year and begin the TIF application process at the beginning of 2014.
  
  The project would be the first major hotel resort/entertainment center
   at the lake since Tan-Tar-A and the Lodge of Four Seasons were built. 
  A similar hotel resort planned by John Q Hammons near the Grand Glaize 
  Bridge failed to materialize several years ago after its TIF application 
  was delayed by a lawsuit, followed by Hammons’ poor health and eventual 
  death.
  Nixon said the entire project would take about four years to complete, 
  with the first phase finished about two years after a TIF application 
  is approved by the city of Osage Beach. One of the hotels would be 
  located on the water, while the other would be closer to the Osage Beach
  Expressway.
  Nixon said he decided to unveil the plan here because the entertainment
  and hotel segment of the market is beginning to show some age.
  “The public expects a lot, and we seen an opportunity to create a game 
  changer, to swing the lake’s pendulum in the proper direction,” he explained.
  
  “The lake needs to work on increasing its static population so it doesn’t 
  have to rely on only seven or eight months of income,” he said. 
  “It needs to be more of a year-round retail center.
  While the city of Osage Beach is aware of the development, there has not 
  been an application for a TIF filed.
  City Planner Cary Patterson said Nixon has visited with the city but so 
  far, there has not been any development plans filed with Osage Beach.
  Zoning is not an issue for the proposed development. The current zoning 
  would allow for a development of this type, he said.
  
  More to read on this at original source: 
  http://www.lakenewsonline.com/article/20131021/NEWS/131029887#ixzz2jDZUpzbJ
  
  
  
  

  
  

Dick's Sporting Goods.... Bed Bath & Beyond slated to join Dierbergs in Osage Beach

Dierbergs

OSAGE BEACH, Mo. — As Dierbergs Markets opens its doors next week, two national retailers new to the development will be getting their construction plans underway.

Dierbergs confirmed today that DICK’S Sporting Goods and Bed Bath & Beyond will open in the Dierbergs Lakeview Pointe Shopping Center within 11 months.

Dierbergs' new store in the center, 4655 Osage Beach Parkway, is set to open its doors at 9 a.m. Wednesday.

DICK’S Sporting Goods, a full-line sporting goods equipment, apparel and footwear company, plans to open its 34,000-square-foot store in November.

The housewares giant Bed Bath & Beyond, known for excellent customer service, everyday low prices and an extensive breadth and depth of product assortment, will open a 20,000-square-foot store in March 2014.

Two tenants attached to the supermarket, Eyes on Missouri (an optical store) and Great Clips Salon, are scheduled to open in May.  The UPS Store and JJ Twigs Pizza both occupy space within the supermarket and will open for business when Dierbergs cuts its ribbon Wednesday. Dierbergs is still in discussions with a variety of national and local businesses interested in the center’s remaining retail space.

Tracing its roots to a country store founded in Creve Coeur, Mo., in 1854, Dierbergs Markets is a fourth-generation, family-owned chain of 24 supermarkets with more than 4,000 Associates. The company’s 25th store opens April 24 in Missouri’s Lake of the Ozarks; it is Dierbergs’ first store outside the metropolitan St. Louis market.

Source: http://lakeexpo.com/news/lake_news/article_8e881e44-a872-11e2-a3cc-001a4bcf887a.html