Tim L. Ramey's Blog

Good morning and hello there from sunny Cottage Grove, MN.--where it has warmed up to 33 degrees above zero!.  Wanted to share Tim's Time Outs: WHEN LIFE SEEMS DIFFICULT: When life seems difficult, it's because you are comparing the way things are to how good you know they can be.  That's actuall...

Is This the Calm Before the Mortgage-Rate Storm? Here’s Why Homebuyers Should Hurry. Although the Federal Reserve hiked interest rates on Wednesday, mortgage rates veered in the opposite direction and tumbled. For the week ending March 23, the nationwide average for the popular 30-year fixed-rate...

What Buyer Activity Tells Us About the Housing Market   The 62% jump in showings from December to January is one of the largest on record. There were also more showings in January than in any other month since last May. As you can see in the graph, it’s normal for showings to increase early in t...

 Good afternoon, happy First Day of Spring, hope you are doing well. and had a fantastic weekend.  Wanted to share Tim's Time Outs: REFLECTION FOR THE DAY: We may not know any specifics about the activities of today; we may not know whether we'll be alone or with others.  We may feel the day cont...

TAX SAVING TREATS YOU CAN IMPLEMENT:  1) ESTABLISH A HOME OFFICE:       There are big tax deductions when you use your home office but knowing what can be included as part of the deduction can make the big difference.(No, house cleaning doesn't count, lol) 2)  INCOME SHIFING:     The tax cuts and...

 Good afternoon and hello there again.  Hope you are well this Monday and had a fantastic weekend.  Wanted to share Tim's Time Outs:Your Ultimate Birthright-HappinessHAPPINESS:The key to happiness is at the same time both simple and complex to consider.  The key to happiness is this:Didicate your...

Good morning and hello there again from Cottage Grove, MN.  Hope you had a wonderful weekend and havig a great Monday so far.  Wanted to share Tim's Time Outs:   JUST FOR TODAY:   Just for today:  I WILL BE HAPPY. This assumes to be true what Abraham Lincoln said, that:  "Most folks are as happy ...

Better Homeowners     Getting Comfortable with the New Normal Mortgage Rates  The biggest shock to homebuyers is the soaring mortgage rates of 2022 that doubled in one year resulting in approximately 15 million mortgage ready buyers displaced from the market due to affordability issues. As of Fe...

 Good morning and hello there again.  Hope you are well this Tuesday and had a wonderful weekend. Wanted to share Tim's Time Outs: LIFE ACCORDING TO DR. SEUSS: "Today you are you,That is truer than true.There is no one aliveWho is Yourer than You." "Be who you are and say what you feel because th...

 Good morning and hello there again from Cottage Grove, MN. and a very happy Presidents Day wish to all of you.   Hope you had a fantastic weekend and wanted to share Tim's Time Outs: HOW TO BE MORE CONFIDENT: 1)  STOP comparing yourself to others or their situations.  STAY focused on you.2)  Rel...