Welcome To Kimsoldit

What To Do When Life Throws Eggs On You

2009-09-24T18:54:00.003-04:00

Sometimes life throws eggs at you and you have to decide whether you let them rot on you.....

or make scrambled eggs and eat them.

My husband's employer decided to transfer him from Dawsonville to Douglasville. They gave us 6 days notice to get moved and report to work. I know what you're saying, but if you have a good job with benefits these days you have to do whatever is necessary to keep it. And being that he's the primary bread winner I had no choice but to cooperate.

I hope this explains why my posts went from featuring Dawsonville to Douglasville. (Well, I haven't posted anything about Douglasville yet- but I will!) The good news is that my real estate license is for the entire state of Georgia and as long as we stay in the state, I can work wherever I go.

Back to the subject of egg throwing...I have to admit I was hesitant at first to re-group and start over in a new town. I became discouraged and thought about giving up the business for awhile and getting a 'job'. But now that I've had time to digest it and meditate on it for awhile, I've decided that I can't give up doing what I love to do.

When I moved to Georgia from Florida in 1995 I moved to the area where we have moved to, so I'm familiar with the area. In no time at all, I am up and running- full steam ahead.

I'm cooking those eggs and they are going to be delicious!

If you're reading this and you're in the Douglasville area and you are looking to buy or sell a home- give me a call. If you're facing foreclosure and would like to discuss doing a short sale to avoid foreclosure, give me a call.

I look forward to new possibilities, making new friends, and helping folks in Douglasville follow their dreams!

I will also be sponsoring the Douglasville, GA page on Localism.com. Be sure to check back from time to time to find updated pages and information about Douglasville. I make it my business to know what's going on and where and to provide you with the most up to date information possible.

Kimberly Wilson..your DOUGLASVILLE Real Estate Specialist.

It isn't Michael Jacksons Parade...

2009-07-06T09:36:00.004-04:00

Every American should see this video. Please email and forward this to all your friends.

I've been feeling a great sadness because the death of Michael Jackson has been the headline on every news program for days and days. It doesn't matter if you are a fan or not, one would think that singing rock music and dancing is the most important thing going on in the entire world.

Give the man his due and let's move on folks. Are we just using his death as an easy escape from the REAL world tragedies? What does it really mean to you and me who gets the children or how much money is left or who the children's parents are?

Is this REALLY the most important thing we should be hearing about constantly?
Today after I posted a blog about my Patriotism, a good friend sent me an email with a video link that has moved me in a way that no pop star could ever move me.

Several weeks ago 3 GAARNG members were killed in an IED explosion in Afghanistan. This video is of the funeral procession of Staff Sargent John Beale, KIA.

He was the first Soldier in Henry County Georgia to be killed in action.
June 11, 2009 they brought his body back and had a caravan from Peachtree City to McDonough, GA.

Please watch this video A REAL AMERICAN HERO and remember why

we are able to celebrate our freedom.

Freedom isn't Free.

Only 2 People have ever died for you, Jesus Christ and the American Soldier.
One died for your soul and one for your freedom.

God Bless America!

Georgia Tax Credit Signed by Governor Purdue!

2009-05-28T10:50:00.001-04:00

Governor Perdue has signed HB 261, creating a Georgia income tax credit up for the purchase of an eligible single-family residence. Although we are happy that the tax credit made it to the signing table, there were a few changes from the original bill that was passed by the Senate.

The credit is limited to eligible purchases made between June 1, 2009 and November 30, 2009. If you have already closed on your home purchase this year, you will not receive the credit. The credit can be claimed only one time per taxpayer.

The final version of the bill contains an amendment to clarify condominiums and residences occupied at the time of sale are eligible for the credit. In addition, eligible single family residences include :
- new single family residences
- previously occupied residences that were for sale prior to the May 11, 2009 and are still for sale after May 11, 2009
- owner-occupied residences with respect to which the owner's acquisition debt is in default on or before March 1, 2009 (meaning pre-foreclosure properties)
-residences where a foreclosure has taken place and are owned by the mortgagor or the mortgagor's agent (properties owned by the bank)

There has been little debate about the need to stimulate the housing market. However, state budget deficits left approval of HB 261 in serious trouble. It was finally decided to reduce the overall maximum benefit of the tax credit to $1,800 or 1.2 % of the purchase price (whichever is less) spread over three years so that the overall impact to the state was reduced by allowing the credit to be claimed over three years, while continuing to provide a significant benefit to potential homebuyers.

It is important to note that this is not just for First Time Home Buyers. Anyone purchasing a home may be eligible for this tax credit.
It is also important to note that this is not in lieu of the Federal Tax Credit of $8000 that purchasers may also be eligible to receive.

For specific questions about the tax credits and what it means to you, contact your tax professional.

Now, more than ever is the time to buy. If you have been waiting, wait no more!

Call Kimberly Today!

I am committed to bringing you the latest, most up to date information to help you navigate the real estate market today!

Tax Credit is on the Way for Georgia!

2009-03-27T08:35:00.001-04:00

I just got word that Bill 261 for a $3600 tax credit for Georgia residents has just.....PASSED THE SENATE!!!

This will be in addition to the federal tax credit and available to ALL HOMEBUYERS...not just first time homebuyers in the state of Georgia!

I do not know at this moment if the bill passed as it was originally written, or if changes were made. As soon as I get the details, I will update!

What awesome news today. Special thanks to our State Senator Chip Pearson for his efforts in helping get this bill passed. Senator Pearson has been working alongside the Georgia Home Builders Association and local associations to get this kind of legislation passed and aid in the housing recovery. I would ask that everyone reading this post please email Senator Pearson and thank him for his hard work on this bill. You can email him at: chip.pearson@senate.ga.gov

It's amazing what happens when people cooperate and the 'Powers that be' listen to the people's voice and great things are accomplished.

Contact me for more information and stay tuned for more!

Kimberly Wilson, Your Available Agent keeping you informed with up to the minute information!

UPDATE:

The bill still has to be signed by Governor Purdue. Once signed into law, it will only be available for 6 months. In addition, the credit will be divided and used over a 3 year period, not used all at once. I think this is a good thing. It's still a good tax credit amount for three years!
I look for Governor Purdue to sign this bill into law shortly.

Stay tuned!

Best Advice For Buyers Looking For A Great Deal

2009-03-17T19:41:00.003-04:00

The phones have been ringing! Buyers are looking! Homes for Sale are going under contract. I faxed an offer on a foreclosure property last weekend that already had at least one offer on the table. Another one I called about had 4 offers pending review by the seller.

What does this all mean to you the buyer, and how can you get a great deal on a home? Is there really a secret way to get on the 'inside track' , or is there really an 'inside track' in the first place?

First I'm going to tell you that there is no secret. However, there are some tips that I can share with you to ensure that you receive the most up-to-date information and are able to find that 'great deal' that you are searching for. Follow this Do and Don't information and you will be on your way to finding your own GREAT DEAL!

DON'T: Call every Realtor in town asking questions about individual listings. Here's what happens. You call Agent Nancy about a house on Smith Rd. Agent Nancy asks "are you working with an agent." You say NO. Agent Nancy goes to work looking for homes for you. Then, Agent Nancy calls Agent Sandy to inquire about another listing's availability. Agent Sandy says "funny, I just got a call about that a few minutes ago." Eventually YOUR NAME comes up, and Agent Sandy says, HE CALLED ME TOO! I was just sitting here looking for properties for him. What happens now? Both Agent Nancy and Agent Sandy decide you are calling every other agent in town, and lay your name aside and don't call you back. You are no longer taken seriously.

DON'T: Try to do it alone.I realize that many of you are techno-savy, educated and able to purchase a home without anyone's help. However, this is not the time to be stubborn and flex your intelligence. The fact is that in the real estate market today things are happening fast and major changes occur almost every day. Foreclosure properties are listed with agents, not advertised to the general public. In addition, there are many Pre-Foreclosure properties that only an agent would have knowledge of and be able to negotiate a deal for you. Interested in a HUD property? Only AGENTS can represent you to make a bid on a HUD home. And I haven't even mentioned the advantages of having a agent when it comes time for negotiations. Navigating these waters alone would be like representing yourself in a murder trial instead of hiring a defense attorney.

DO: Find a qualified agent that you trust to work for you. It's ok to interview agents. Or, ask a friend for a recommendation. Once you have located an agent that you feel comfortable with, sign a Buyers Brokerage Agreement with that agent.
This agreement ensures the agent that you are trusting them to work for you and that you are not calling other agents. Your agent will make you a top priority and find you what you are looking for. When presented new information on homes, your agent will call you first! It's like having your own "secret agent"!

DO: Listen to the advice your agent offers when it comes time to make an offer. Understanding that if you have entered into this agreement with your agent, they are working for YOU and your best interests. Many people are misled into believing that asking prices are just a figment of the bank's imagination. Please understand that before these properties go back on the market, banks have already hired one or more qualified brokers to make an assessment of the value of the property. Then they will price the property accordingly. Yes, the bank will be inclined to accept a 'reasonable' offer. But folks, 'reasonable' is not $20,000 below the asking price. To make such an offer only wastes everyone's time. It's almost a guarantee that the asking price is still well below the former value of that home. So even at asking price, you will still be in a good position.

What's the bottom line? Hire an agent THAT YOU TRUST, and then TRUST the agent that you hire.

If you're in the North Georgia Area...Call Kimberly Wilson, your Dawsonville Real Estate Specialist!

How To Save Money On Your Property Taxes

2009-01-28T09:22:00.003-05:00

If you listen to the media, they would have you to believe that there are foreclosure properties on every corner. Since most of our news comes from Atlanta, you have to remember that real estate is local. What has happened in Fulton, Gwinnett, and Cobb counties does not reflect on Dawson County. The number of foreclosure properties in Dawson is not even percentage wise anything close to areas such as Gwinnett County.

However there ARE and HAVE BEEN foreclosure properties in Dawson County, and there will continue to be as the economy remains unstable. What does this mean to you, a homeowner? If there have been foreclosure properties in your neighborhood, this may have affected the value of your home. If you question the assessed value of your home on your property tax bill, you can file a Residential Property Tax Return.

Between January 1 and April 1, you may contact the Dawson County Tax Assessors Office and file a Residential Property Tax Return. You can download/print the Property Tax Return Form however you must file this form in person.

Home Owners would declare what they believe is the true value of their property. The return then goes through a process exactly as an appeal would, and will be reviewed by the Board of Assessors. By law, assessors are required to set(or change) the value of your property by January 1st of each year. Of course, there is no guarantee that the assessor will agree with your assessment, but by filing this return you stand a chance of have your property value adjusted, and therefore your property taxes reduced.

Other ways to save:

Homestead Exemption- If you purchased a home this year, you may file a Homestead Exemption between January 1 and March 1. To qualify for a homestead exemption,the property must be owned by the taxpayer and occupied as his or her legal residence. Once recorded, it will automatically renew every year.
Senior Citizen Exemption- Persons who are 62-65 years old may qualify for this exemption.(qualifying age depends on income) Contact the Tax Assessors office for details.
There are a few other exemptions you may examine such as exemptions regarding land used for agricultural purposes.

For more information, I encourage you to visit the website:
www.dawsontaxassessors.org
or contact the office at :
78 Howard Avenue East, Dawsonville
706-344-3590 ext. 236

I'm committed to providing you with the most up to date information regarding the real estate market in Dawson County.

Kimberly Wilson, Your Dawsonville Real Estate Specialist!

Calling All Buyers!

2008-12-01T07:30:00.005-05:00

WHEN? Now is the time. Now is the best time. To BUY..that is!

WHY? Interest rates fell sharply last week to a little over 5% ! That, combined with the fact that many sellers are desperately trying to sell their homes before the new year starts- the prices are terrific!

HOW? All of Dawson and Lumkpin County qualifies for the Rural Development Loan Program! Don't just assume that no one is buying and that you can't either. This government backed program is terrific and can help you buy a home with little or no money down!

What? What should you do now? Don't hesitate! Call me today and let's see if we can help you get a great deal on a home of your own!

Where? I have properties available in Forsyth, Dawson & Lumpkin Counties, from under $100,000 to over $375,000.

Don't listen to the media's doom and gloom predictions. News reports on Black Friday should have shown you that things are not nearly as bad as they led you to believe. There were literally millions of shoppers spending money, all over the United States. And while everyone else is settling down to their shopping lists, and planning their family affairs..get a jump start on 2009 and make the most important move you can make for your financial future.

I'm just a phone call away... The first move is yours!

contact Kimberly Wilson, your Dawsonville Real Estate Specialist 404-543-5384

Being A Professional

2008-09-08T08:32:00.005-04:00

Recently, a series of events involving "contractors" left me with this thought, " Are there any Real Professionals left out there anywhere?". I'm sure you have experienced this as well. People who just don't perform or measure up to your expectations.

Of course you can decide to never "use" these non-professional people again, other than that there isn't much you can do about it. But if you know me, then you know that I always try to find SOMETHING positive in every situation. In this particular case, I found a burning desire NOT to become one of these "non-professionals" in my business. I don't want to be the one people write about, talk about, or decide not to do business with anymore.

To me, being a professional in my business means:

-Respecting your time as my customer, client, or associate.
-Answering your call, or returning it promptly.
-Following through when I say I will take care of an issue.
-Keeping my customers & clients informed every step of the way.
-Keeping confidential information, confidential.
-Using proper forms, addendums, and exhibits and executing them properly.
-Doing everything that I promise to do when trying to earn your business.

I live and work in the North Georgia Mountains. People sometimes refer to us as "those mountain people". And although I assure you that it is completely appropriate at times to officiate my business in blue jeans, I still treat my customers and clients with professionalism!

contact Kimberly Wilson, Your Available Dawsonville Real Estate Specialist!

"Labor" Day.......

2008-09-02T16:03:00.001-04:00

I hope you all had a wonderful and relaxing holiday weekend. I think I discovered why it's called Labor Day. I moved over the weekend, and I did a lot of "laboring". Actually, I'm still not completely sure where all my clothes are, shoes, makeup, etc. You would think that after moving as many times as I have I would have a better system and be more organized. But you know, no matter how organized you think you are, and no matter if you hire movers or do it yourself, there's still TONS of little things you must do once you arrive. From hooking up your washer and dryer, hanging curtains, or deciding how to arrange your kitchen...some things you just have to do yourself!

It occurs to me that it's like running your business. On a day to day basis there are things you must do to continue your momentum and keep business rolling in. And no matter how many people you have working for you, there's just some things you must do yourself. Things such as:

Setting Your Business Goals
Keeping Yourself Current With Trends In Your Business
Making Sure Your Customers Get Personal Attention

My mother always said, "If you want something done right, you better just do it yourself". Sometimes it seems that's the only thing that works. Another motto might be, " If it's to be, it's up to me!"

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

And Then Came Faye!

2008-08-27T08:14:00.004-04:00

For a long while now, North Georgia has been facing terrible drought conditions. The Dawsonville area has always been proud of our beloved Lake Lanier. We have begged, prayed, and danced for rain over the past 2 years. But the water level has continued to go down...down...down....

This photo shows the lake in normal conditions:

These photos were taken recently:

This used to be waterfront property!
AND THEN CAME FAYE!!!

And if you can imagine my voice, in the most Southern draw you ever heard, I would like to say, " Ya'll come on down and stay awhile! "

And even though this rain has brought us some flood warnings.....

"The National Weather Service has extended the flash flood watch for portions of Northeast Georgia through Tuesday evening. Rainfall up to 6 inches is expected by Tuesday evening. This could result in rapid rises of creeks and streams. Lake Lanier was up more than a third of a foot early Tuesday morning from the same time Monday.The torrential rains from Tropical Depression Fay that have soaked the northeast corner of the state - with up to 6 inches in places - have dumped a lot of water into the Lanier watershed, the area that feeds the lake. The lake level early Tuesday was 1053.68, up from 1053.30 early Monday."

And we run the risk of having these kind of problems:

( sent to me from my childhood friend, JoAnn Srein in Melbourne, FL - http://activerain.com/fsbousa )

We'll take the rain Faye! Sit down a spell..take your shoes off! Ya hear ?

contact Kimberly Wilson Your Dawsonville Real Estate Specialist!

A Color Change Is Imminent!

2008-08-18T09:04:00.004-04:00

Believe it or not, we only have a few weeks left of this beautiful green summer here in the North Georgia Mountains! This is a photo I took of the river near my house. All summer you could sit and watch people enjoying the river in canoes, kayaks, and big yellow tubes. Screams of delight from children having the time of their lives. It's been a wonderful summer.
Now in just a short time, these beautiful green leaves will begin to take on an orange hue. Soon we will take our annual drive through the mountains to see the magnificence of orange, yellow, and brown cover the land in a sight so beautiful you can't capture it on film. You can only appreciate it's real beauty by seeing it for yourself.

In Dawsonville, the 41st Annual Moonshine Festival will be October 25th & 26th. The Moonshine Festival celebrates Dawson County's history during prohibition when liquor was illegal and the Great Depression of the 30's when running moonshine through the Northeast Georgia Mountains was a way of life. Thousands flock to the birthplace of NASCAR racing to hear about the legends of Nascar: Seay, Hall, Parks, and Gober Sosebee.

In nearby Dahleonga, the Annual Gold Rush Days is October 18th & 19th.

Thousands will come to celebrate Dahlonega's 1828 discovery of gold. 300 art and craft exhibitors will gather, and it is estimated that a crowd of over 200,000 visit over the weekend to join in the fun!
These are just a few of the reasons to plan a visit to the North Georgia Mountains this fall! Come on up and see us. We're waiting for you!

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

A Day At The Falls...

2008-08-04T08:25:00.005-04:00

The 729-foot falls that the Cherokee Indians named Amicalola, meaning, "tumbling waters."

I have a new listing for 2 lots (10.55 acres) right across the street from the park entrance. So, Saturday it was a work/play trip. (Place a sign, take photos, and explore the property.) Then a nice hike up the falls.

The weather was beautiful. We decided to go early before the real heat set in. I had been to the falls once before, and remembered how steep the climb. It was a tough hike to the first deck. That's where the stairs begin. The first set to the main summit is 175 stairs. Once you reach the summit, if you are REALLY fit and full of energy, try the second set which I believe was 450 stairs. If you make to to the top, you will discover that you can actually drive around the falls to the top, walk right out to the deck and look down. But that really takes all the fun out of it doesn't it?

The falls are absolutely gorgeous. And the view from the top is incredible. If you're in the area, make sure to plan to visit. There's a picnic/play area, visitor center, wading pool (fishing pond), hiking trails, cottages, campground and even a lodge & restuarant.

http://www.amicalolafalls.com/

Once you have visited the falls, you'll be so impressed you will begin to imagine how nice it would be to visit more often. How amazing it would be to live here! Why..you could use it as the most beautiful outdoor gym in the world! Yes! A mountain cabin neslted nearby would be Just The Ticket!
Ok! Drive out of the park and right across the street you will see a sign that says "Amicolola Woods". This is a small, pristine, private community of mountain homes/cabins set in the beauty of nature.
We are offering 2 lots for sale. Lot 20 & Lot 32, adjacent to each other. Each lot has a well, and is just over 5 acres each for a total of 10.55 acres. There are minimal restrictions & covenants. Affordably priced at only $109,900! Email me for more information!

contact Kimberly Wilson Your Dawsonville Real Estate Specialist!

Land! They Don't Make It Anymore!

2008-07-19T20:29:00.003-04:00

Are you looking for an investment that is solid? Did you know that Land is one of the BEST investments that you can buy? It's unmovable, scarce, and will always increase in value!

We have several land offerings in the Dawson area. From 3 acres to over 25 acres, we have the spot for you! Creeks & Streams, Great Locations Convenient to Everything!

Contact Kimberly today for more information about these properties!

What To Do While You're Waiting

2008-07-14T15:02:00.006-04:00

Are you waiting for something? Seems like we all do alot of "waiting". We wait for people, events, results, and we even wait for food! What I would like ask you is, what are you doing while you're waiting? Are you using that time in a positive way? Or must you look back with regret that so much of your time was just "wasted time"?

Maybe you have your home listed for sale? Are you waiting for the right buyer? Here are some things that you can do while you're waiting.

Clean out the attic, garage, and closets. Go through everything. If you haven't used it in a year you probably don't need it. Separate things into 3 different piles. One pile is things you still need to keep. (Your child's first shoes. Your grandma's cake plate. Things you would never part with.) The second pile is things to donate to a charity. The third pile is things you should sell. Which leads to my next point.

Have a Yard Sale! Take advantage of the time you have while you wait by getting rid of as much as you can. There will be that much less to move once the home closes and it's time to load the truck!

Is your business slow? As an agent, I have utilized my "extra" time in the last few months taking classes (Like getting my Brokers License!), attending seminars, learning new technology, and getting better organized. I am very grateful that my business has increased tremendously! All the new things I have learned are really helping me to be a more efficient agent.

Time is something everyone has the same amount of. Take care to make the most of every day!

contact Kimberly Wilson - Your Dawsonville Real Estate Specialist!

Press Release- Meet My New Partner!

2008-07-09T07:37:00.003-04:00

I am pleased to announce that Julie Hughes Nix has joined Power Realty Partners of Dawsonville

Bringing her many years of Real Estate experience to us, I am proud that Julie has chosen to come and work with me at Power Realty Partners. As a life-long resident of Dawson County, she understands the needs of her community. She has lived here, worked here, and raised her children here. She has a heartfelt appreciation and love for Dawson County. Currently running for re-election as a Dawson County Commissioner, Julie has the communties best interest at heart.

Julie and I look forward to helping you with all of your real estate needs. With 20 years of combined experience, you can feel confident in placing your trust in us.

Call Kimberly or Julie today and let our experience work for you!

contact Kimberly

404-543-5384

contact Julie

770-845-6008

A Little Tuesday Humor!!

2008-07-08T15:15:00.003-04:00

A Funny Thing Happened On The Way To My Salesmeeting!

Now that I have had the chance to get over it, I have to laugh at my predicament.

I was hurried this morning, I had to leave my house no later than 8:15 to make my connection. I was meeting my new Partner - Julie Hughes Nix at my office so that we could ride together to the corporate sales meeting of Power Realty. It was her grand introduction to everyone, and my proud moment as being the recruiting agent of the month and winning $$$$$ too! I was absolutely SIKED about the meeting. Of course, I am always excited because Power Realty is THE BEST company I have ever worked for, and I am so proud to be there.
Anyway, As I was putting my bags into my car the dog jumped on the front door and it shut. It was locked. My keys..all of them, were in the house! I could not believe this was happening to me! What in the world would I do??? We have a spare house key hidden outside. It has been there for months. However, over the weekend, we needed it and it was inside on the counter. Great!

I considered calling a locksmith, as I did have my cellphone on me. But I had no idea WHO to call. I live 20 minutes out in the country. How long would I be sitting here waiting? I am hot now, the temperature is high, the humidity is horrible. I was already having a bad hair day..now it's just laying there on my head. I was dressed up in a linen blazer...shedding that as I sit in my car sweating and wondering WHAT to do. The blazer is now wrinkled as if it just came from the bottom of a pile of clothes.

I called my broker, and she says OH NO!! You HAVE to be there! ( Any other time my branch manager would have come to pick me up, however she was having a blast at Disney World in Florida while this catastrophe was going on.)

It was then I remembered....my husband was working on something in the yard last weekend and didn't put all the tools away. I looked, and there...YES! It was a huge, long crowbar!! I hooked that baby in the doorframe and pushed it hard and with great cracking and splintering the door was open!!! I got my keys and took off! Good thing I have a guard dog IN the house- no worry someone will come in until I get home and attempt to repair the damages!

I arrived ON TIME, looking like I just came from an outdoor shower with my clothes on. But I was there!

And a good time was had by all!

Your AVAILABLE agent...and I REALLY mean that!

A Growing Trend

2008-07-07T08:39:00.007-04:00

I have been observing a new trend from information I have gathered from web articles, blogs, and even television commercials. It is more obvious among 25-40 year olds in the middle to upper income class. The trend is that they are not spending money. They have made a committment that they will purchase only necessity items until the end of the year. Realizing that they don't "need" even half of what they have, they are seeking happiness, peace, and enjoyment in life from the more simple things. They are forcing themselves to be more resourceful, and learn to live without so much "stuff".

Looking at the glass half full, I see people learning new values in life. I see people learning that you can't find happiness in "things" and that we have been "dupped" into believing that new cars, furniture, big houses, diamonds, and designer clothes make us who we are.

Looking at the glass half empty, I wonder what the effect of this new trend will be on the economy as a whole. Retailers must be shaking in their shoes at the thought of this trend taking a real foothold, and spreading like a wildfire.

On a personal note: Not too long ago, I had to move. You know, you just don't realize how much you have until you start packing it into boxes! After a few hours of packing, I decided it was just too much. I had a huge yard sale, and got rid of about half of what I owned. It's been about 6 months, and to my surprise I haven't missed ONE single thing that I got rid of! Furthermore, I have made a committment to join the movement. No un-necessary purchases until the end of the year. I haven't been in a mall all year!

From a real estate agents point of view, I hope that the trend continues. I believe that learning new values when it comes to money will generate new interest in buying a house. I think the trend will encourage home sales because one of the smartest and most logical investments is purchasing your own home, and not wasting money paying rent.

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

Do Your Words Have An Effect?

2008-06-30T07:51:00.003-04:00

I wonder if we realize the effect our words have on other people's lives, and even ourselves. Once spoken words can heal, inspire, encourage, motivate. They can also cause a great deal of pain. You don't have to speak out loud everything you think in your mind. Some things are better left unsaid.
Things my mother said to me as a child:

"I hope you have a daughter someday, and I hope she acts just like you do!" - I have NO children.

"You are TOO loud, I heard you over everyone else on the bus!" I have spent the last few years of my life learning to be more assertive and speak up! People constantly complain that I am mumbling and they can't hear me.

" Why do you always have to learn everything the hard way?" I am still trying to stop doing that.

My father had his own contributions. I was a chunky kid, and he was always concerned about my weight. I loved milk. But everytime I would pour myself a glass of milk, he would say " You don't need that whole glass of milk". I am 42 years old, and to this day I cannot pour myself a whole glass of milk.

Think real hard about the things you say to your children, your spouse, family and friends. Are they damaging? Are they hurtful and thoughtless? Do they encourage and inspire or tear down and jab?

Even more detrimental is the negative things that we say to ourselves! Do you constantly tear yourself down? " I believe that the brain doesn't know the difference between what is real and what you tell it. Try some positive affirmations. Write some positive things to say to yourself and paste them on your bathroom mirror. Say them every day, over and over. Tony Robbins has great affirmations like "Every day in every way I am getting better and better. (stronger & stronger or happier and happier) " All I need is within me now!" All the _____ I need is within me now!"

Don't think it works? Did it work when my mother told me I was too loud?

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

Don't Believe It!

2008-06-28T11:01:00.002-04:00

I attended a meeting last week and heard it from a pretty reliable authority that all the prophets of doom and gloom are wrong! Hopefully, this is not a suprise to you.
I love listening to people speak who concentrate on the postive, and not the negative side of things. For example I learned that:

98.8% of homeowners pay their mortgage payment ON TIME. Another 1% pay late, but still make the payment. Let's see, that means that 99.8% of homeowners are not losing their homes. And .02% are being foreclosed on. These are not arbitrary numbers. This gentleman, Frank Norton Jr., is a credible authority on the subject. Not going into all the details, you're just going to have to trust me on this one, or call some banks and check it out for yourselves.

Here's another one:

95.4% of the working population is employed! I would bet you didn't hear that on yesterday's evening news.

Here are some other quotes that you might not have paid attention to, and they bear repeating.

" Today's home prices have fallen so much, mortgage rates are so low, and personal income is so high that homes are more affordable today that at any other time in this century."
Smartmoney.com 5/2/2008

"This could be the time to buy a house." Suze Orman 4/24/2008

"The housing crises is over." Wall Street Journal 5/6/2008

Oh, but you are waiting for interest rates to go down more. Here are some statistics and numbers on that.

-Interest rates went from 14% to 6% from 1983 to 2007.
-Interest rates have CLIMBED since January 2008.

If you are looking a a house and waiting for the price to go down before making an offer, consider this.
A $220,000 purchase price @ 6% cost you $1,319.01 per month or $474,843.60 at the end of 30 years.
A $200,000 purchase price @ 7% cost you $1,330.60 per month or $479,016.00 at the end of 30 years.
The $20,000 drop in price COST you $4,173.00 more!

Interest rates are going up folks...not down! A lower price will still cost you more if you continue to wait!!

The current FHA program is the best, most affordable, and most accessible loan program I have seen in my entire career. In addition, all of Dawson & Lumpkin Counties qualify for the Rural Development Loan Program. And Yes, there ARE 100% financing loans available.

Don't believe that you cannot get a loan. Go to the phone and call me now, and let's see if we can help you achieve your dream of home ownership! Every day you wait, it's costing you more money! It costs you nothing to see if you qualify!

contact Kimberly Wilson "Your Available Dawsonville Real Estate Specialist!"

It's Epidemic! Real Estate Agents are Disappearing!

2008-06-26T08:05:00.004-04:00

There's a growing trend among many real estate agents today. Not a day goes by that I am not hearing about it, or experiencing it myself.Real estate agents everywhere are HIDING! They hide from their customers, they hide from other agents, and worst of all they hide from their own clients! What is the reason for this growing epidemic? I can't answer that question with a satisfactory answer for everyone. But I can share my personal experiences.

I have a client who is transferring from New Hampshire to North Georgia. They called me as a result of an ad on Craigslist for a home we have listed for sale. I quickly developed a friendship with them, and started sending them properties to view. Eventually they tell me that they have already visited here and previewed several homes for sale. When they returned to New Hampshire, their agent simply disappeared. She would not return any of their calls. She would not return any of their emails. These folks are going to purchase a home with CASH, as soon as they get their home sold in New Hampshire. They subsequently allowed me to refer them to a terrific agent in New Hampshire to list their home. That agent got the referral from me because HE ANSWERED the phone when I called him. During my searches for homes in my area, often my clients ask for more information. When I call the local listing agent, I get....voicemail! (and usually no return calls)

My purpose for this post is to say that I am NOT that agent. I make a personal guarantee that if I don't answer your call by the third ring, I will return your call within 30 minutes. (during reasonable calling hours of course)

I'm your available agent!

contact Kimberly Wilson, Your Available Dawsonville Real Estate Specialist!

Traveling?

2008-06-23T11:27:00.002-04:00

Many people travel during this time of year. Here are some helpful hints to keep you safe when you are on the road.

Don't answer the door in a hotel room without identifying who it is. If the person claims to be an employee, call the front desk and ask if someone from their staff is supposed to have access to your room and for what purpose.
When returning to your hotel late in the evening, use the main entrance of the hotel. Be observant and look around before entering parking lots.
Close the door securely whenever you are in your room and use all of the locking devices provided.
Don't needlessly display guest room keys in public or carelessly leave them on restaurant tables, at the swimming pool, or other places where they can be easily stolen.
Do not draw attention to yourself by displaying large amounts of cash or expensive jewelry.
Don't invite strangers to your room.
Place valuables in the hotel's safety deposit box.
Don't leave valuables in your vehicle.
Check all sliding windows, doors, and connecting room doors to be sure they are locked.
If you see any suspicious activity, report your observations to the management.

Courtesy of the American Hotel & Motel Association- Washington DC

Home Sellers: Don't forget to tell your agent that you will be out of town. It's a good idea to ask your agent to check on your home every few days while you are away.

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

What are Short Sales?

2008-06-16T14:05:00.008-04:00

It’s a sale where the debt owed combined with the costs associated with the sale is more than the property’s market value. The lender may be willing to agree to allow the property to be sold for less than the balance of the loan, which is called a "short sale". The seller would need to prove that they are financially incapable of paying the loan including providing financial documents , an asset & liability statement, and a hardship letter to the bank.

As a buyer, it could be an opportunity to get a great deal. But there are no guarantees that it will close. Some close, but some do not. One of the biggest problems are that sellers are waiting until the last few weeks before the foreclosure sale date, and then trying to get the short sale agreement approved by the bank. The bank has a "loss mitigation" department to handle these accounts, and sometimes they work very quickly. But most lenders are so overburdened by these requests, they simply are not able to get to the file before it is too late!

So, what is a seller to do? If your home is in trouble and you are facing foreclosure, RUN, don't walk, to the phone and call me today! Getting the required paperwork completed, submitted and approved can take a week or two! If your home is scheduled to be sold in 3-4 weeks, it could be too late. Make sure not to attempt this feat without the advice of an agent with experience in short sales. There are many details that cannot be overlooked, such as protection clauses to protect you from the possibilities of deficiency judgements.

Buyers should know that the opportunity is there if you are willing to take the chance. There are no guarantees that there will be a successful close.

The good news is that banks are getting somewhat more efficient at processing short sales. It is also rumored that banks have too many properties on their balance sheets, which affects their regulatory requirements and may encourage them to be more agreeable to short sales in the future.

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

What's In Your "Bucket List"?

2008-06-08T14:18:00.004-04:00

Recently, someone asked me about my "Bucket List". I am sure that some of you have seen the movie, and are familiar with the term. I have not seen the movie yet, but I am familiar with the plot.

I do have a "Life List". I have it posted on a website called, Superviva. I am amazed that I have been able to cross some things off my list. It's exciting to write and commit to things you used to only dream of. It's as if admitting them and writing them down has some magical power that propels you in the direction of achieving them. Or maybe it's just that by writing them down, it makes you ask yourself the question, "Why Not?" If nothing else, it seems to provide some direction in my life.

I'm a huge promoter of goal setting and thinking positive. I believe that your brain doesn't know the difference between what's real, and what you tell it. What do I mean by that? Well, let's say that you want to lose some weight. If you constantly profess that you cannot walk by a piece of chocolate without eating it, every time you walk by chocolate you will probably eat it. If you proclaim that you can eat a piece of cake and gain 3 pounds, your brain hears you and can make it happen.

What if you said something like, "I am in control of what I eat, and every day I am losing weight and getting healthier". Try saying that out loud at least 20 times every morning for the next week, and see if your chocolate cravings suddenly have no power over you.

At this point, you are wondering what any of this has to do with helping you get your home sold, or finding just the right home for you to buy. Believe me, it applies! Having a positive outlook will make a huge difference in the way you see situations that arise, help you keep an open mind and be able to "think outside the box" and get the task completed. I want you to believe that whatever obstacles are against you, we can work together and overcome them. It absolutely CAN be done! But first, you must believe! Whatever the mind can believe, it can achieve!

"Whether you think you can, or think you can't...you're right!" - Henry Ford

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

Tax Rebate Check Tips For Sellers

2008-06-01T19:04:00.006-04:00

Selling Your Home? Getting A Tax Stimulus Check?

Here are some great tips that could turn your rebate into an offer on your home.

Spring Clean your house inside and out! Hire professionals including maids, carpet cleaners and window washers. Make your home sparkle and shine. Be sure to ask your agent to host an open house immediately after the cleaning project is completed.

Offer A Bonus to the Buyer! You could offer it as a "Decorating Allowance", or purchase a large ticket item such as new appliances, or a giant screen television. For example, offering a new washer & dryer with purchase of your home will mean more to a potential buyer than simply leaving the old ones behind.

Get a Facelift! Hire a painter and update the look of your home. Paint the front door a bold color and add some pizazz to your curb appeal.

You'll be surprised how far you can stretch the money and how much you can accomplish if you will do your homework and research your options. The best advice? Get a professional consultation and find out how to best spend the dollars where it will pay off at the closing table. Ask your agent to help you locate a home staging expert in your area.

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist!

The Question Everyone Is Asking...

2008-05-25T13:24:00.011-04:00

How Can I Buy A Foreclosure?

Foreclosures are on the increase just about everywhere. You have probably heard fascinating stories of people getting an unbelievable deal on a foreclosure. However, there are some things to keep in mind if you are determined to "cash in" on the opportunity.

Remember that there is no guarantee that buying a foreclosure will save money compared to buying the traditional way. Discounts vary tremendously depending on where you live. In fact, many foreclosed properties are priced higher than their true value. And in many areas, property values have declined to the point that people are selling their homes at such reduced prices, it can rival a foreclosure property that could be just around the corner.

Another thing to remember is that even if the price is right, you need to be prepared for all the hassles. Buying a foreclosure involves doing alot of homework. If you are buying at auction, be prepared to pay cash. You may face a long waiting period to actually take possession of the property and move in. The property could require extensive repairs, and purchases must be "as is" and cannot be contingent upon inspections. I have even seen cases where the owners stripped the home right down to the inner workings of the air conditioning unit. You also should be prepared for the possibility of judgements, liens, and more than one note or deed than the one being foreclosed on. Accurate information is hard to come by, and if you take the risk, you could lose in the end.

Still game? Your best option is to find an agent who specializes in foreclosures. An experienced agent can locate properties and establish value for you, which could be very different than the asking price. Most foreclosed homes belong to the bank. The banks have many of these real estate owned (REO) properties in their portfolio's and are actively trying to sell them through agents. And unlike buying at auction, you can usually get a traditional mortgage for an REO. Unfortunately, lenders usually list these properties at or near market value to recover the outstanding loan balance and legal fees. In this case, an experienced foreclosure agent can deal aggressively with the bank, especially if the home has been on the market for a long period of time.

contact Kimberly Wilson, Your Dawsonville Real Estate Specialist