FLYING AT NIGHTRemember that the airplane doesn't know that it's dark.On a clear, moonless night, never fly between the tanker's lights.There are certain aircraft sounds that can only be heard at night.If you're going to night fly, it might as well be in the weather so youcan double count your exposure to both hazards. Night formation is really an endless series of near misses inequilibrium with each other.You would have to pay a lot of money at a lot of amusement parks andperhaps add a few drugs, to get the same blend of psychedelic sensationsas a single engine night weather flight.Are you looking for a real estate professional who knows the FORT RUCKER and Enterprise Alabama Real Estate market and can get the results you desire? Let me put my knowledge, experience, and dedication to ... 06/08/2009

                                                      During a commercial airline flight an Army helicopter pilot was seated next to a young mother with a babe in arms. When her baby began crying during the descent for landing, the mother began nursing her infant as discreetly as possible.The pilot pretended not to notice and, upon debarking, he gallantly offered his assistance to help with the various baby-related objects.   When the young mother expressed her gratitude, the pilot responded, 'Gosh, that's a good looking baby..and he sure was hungry!'Somewhat embarrassed, the mother explained that her pediatrician said breast feeding would help alleviate the pressure in the baby's ears.   The Army pilot sadly shook his head, and in true pilot fashion exclaimed....... 'And all these yea... 06/08/2009

This is something to think about when negative people are doing their best to rain on your parade. So remember this story the next time someone who knows nothing and cares less tries to make your life miserable..                     A woman was at her hairdresser's getting her hair styled for a trip to Rome with her husband..                                                    She mentioned the trip to the hairdresser, who responded:  "Rome?    Why would anyone want to go there?  It's crowded and dirty.. You're crazy to go to Rome.     So, how are you getting there?"   "We're taking DELTA," was the reply. "We got a great rate!"               "DELTA" ? exclaimed the hairdresser."    That's a terrible airline. Their planes are old, their flight attendants are ugly, and they're always late... 05/25/2009

  These four problems all can lead to foreclosure of a home.     Drugs: A drug, broadly speaking, is any substance that, when absorbed into the body of a living organism, alters normal bodily function. Get caught up in doing drugs, or selling drugs, all of your time and money will go to drugs and paying bills will be the last thing you do, which in turn will lead to losing your home.                                                                           Death: No will, no insurance, loss of a bread winner, without a backup plan can also lead to not being able to afford your home and paying for it. Death is celebrated, embraced and feared. Can cause major financial problems if not prepared. Besides taxes the only other guarantee in life. Divorce: The big D and I don't mean Dallas. Nev... 05/20/2009

   B17 Bomber escorted by a German ME109 fighter     Look carefully at the B-17 and note how shot up it is - one engine dead, tail, horizontal stabilizer and nose shot up.. It was ready to fall out of the sky. (This is a painting done by an artist from the description of both pilots many years later.) Then realize that there is a German ME-109 fighter flying next to it. Now read the story below. I think you'll be surprised.....   Charlie Brown was a B-17 Flying Fortress pilot with the 379th Bomber Group at Kimbolton, England. His B-17 was called 'Ye Old Pub' and was in a terrible state, having been hit by flak and fighters. The compass was damaged and they were flying deeper over enemy territory instead of heading home to Kimbolton. After flying the B-17 over an enemy airfield, a German... 05/15/2009

Just One State This is only one State...............If this doesn't open your eyes nothing will !  From the L. A. Times  1. 40% of all workers in L. A. County ( L. A. County has 10.2 million people)are working for cash and not paying taxes. This is because they are predominantly illegal immigrants working without a green card.   2. 95% of warrants for murder in Los Angeles are for illegal aliens 3. 75% of people on the most wanted list in Los Angeles are illegal aliens. 4. Over 2/3 of all births in Los Angeles County are to illegal alien Mexicans on Medi-Cal , whose births were paid for by taxpayers. 5. Nearly 35% of all inmates in California detention centers are Mexican nationals here illegally  6. Over 300,000 illegal aliens in  Los Angeles County are living in garages. 7. The FBI r... 05/14/2009

This is astounding and infuriating.  Why isn't this in the papers? Please read and pass it on.    WHY ARE  WE BANKRUPT?            Informative  and mind  boggling!  You think the war in Iraq is costing us too much? Read this:Boy, was I confused.  I have been hammered with the propaganda that it is the Iraq war and the war on terror that is bankrupting us. I now find that to be RIDICULOUS. I hope the following 14 reasons are forwarded over and over again until they are read so many times that the readers gets sick of reading them.  I also have included the URL's for verification of all of the following facts. 1. $11 Billion to $22 billion is spent on welfare to illegal aliens each year by state governments.     Verify  at: http://tinyurl.com/zob77 2. $2.2 Billion dollars a year is spent ... 05/14/2009

The new GI Bill (Chapter 33) or so-called "Post 9/11 GI Bill," boasts the most comprehensive education benefits package since the original GI Bill was signed into law in 1944. This new benefit does not go into effect until August 1, 2009. Many post 9/11 veterans and servicemembers will soon see a new package of education benefits. This new Post 9/11 GI Bill, or so-called GI Bill for the 21st Century, boasts the most comprehensive education benefits package since the original GI Bill was signed into law in 1944. The new bill goes well beyond helping to pay for tuition; many veterans who served after Sept. 11, 2001, will get full tuition and fees, a new monthly housing stipend, and a $1,000 a year stipend for books and supplies. The new bill also gives Reserve and Guard members who have b... 05/04/2009

Where do I get information on IRS  Real Estate publications.                                                                                       It is never to early to start planning for next April 15th. Start at http://www.irs.gov/ bookmark it as a favorite and you can have access all year long.   This is the code for 2008 tax season, and we will be closely wacthing any changes for 2009 Tax Year and update you on my blog as needed.  We all need every tax break we can get, so it helps to be familiar with the Tax code. It is very complicated but you don't have to be a CPA to figure it out.  It helps if you know where to look. With a little help from our friends at the US Treasury and the IRS, we can work it out.  The Internal Revenue Service publishes a number of real estate publicat... 04/24/2009

1) Real Estate Agents are Always Late for Appointments False. There is no excuse for habitual tardiness among professionals. None. I don't care if it's your doctor, your cable TV installer or your Realtor. Every person deserves respect, and respect is earned by providing what is promised and being on time. If your agent has a god-like, self-deluded impression of her or his own importance, find another. The agents I know are on time. Clients who listen to agents' excuses allow tardiness to happen. The agents I know are always prompt. Don't let a few bad apples give the entire industry a perception it doesn't deserve. 2) The More You Pay for a House, The More an Agent Makes False. Ever hear a friend say this: "Every dime more you pay for that house makes the agent more money, so don't tru... 04/21/2009

                                                                                                   Long and Short of it. It takes time to make money. It takes time to get a short sale completed and to close. I have found a few basic things to explain what it takes below. If you've taken out a large mortgage, and perhaps refinanced to cover remodeling or other expenses. You may find yourself unable to keep up with your mortgage payment after a layoff, or the dreaded 4 D's Drugs, Death, Divorce, Disease or Health issues. Maybe the dream home you purchased is not worth what you originally paid for it in todays market. Life is not always fair and balanced.  More and more people are finding they need to sell their homes for less than they owe on the mortgages, known as a "short sale." The Sh... 04/16/2009

Pre-Qualification: This usually refers to the loan officer's written opinion of the ability of a borrower to qualify for a home loan, after the loan officer has made inquiries about debt, income, and savings. The information provided to the loan officer may have been presented verbally or in the form of documentation, and the loan officer may or may not have reviewed a credit report on the borrower. Pre Approval: A loosely used term which is generally taken to mean that a borrower has completed a loan application and provided debt, income, and savings documentation which an underwriter has reviewed and approved.  A pre-approval is usually done at a certain loan amount and making assumptions about what the interest rate will actually be at the time the loan is actually made, as well as e... 04/16/2009

What Type of Property Are You Looking For ? This question identifies multiple things at once that you may not realize at first glance. Single Family ? Duplex ? Condo ? Town Home ? If you ask this question and the response is that the potential buyer is looking to invest in a foreclosure... You can identify in your mind where you might look for foreclosures in your market area and how long it might take... You can identify how you might be able to help them (if your expertise is right for them)... And you can identify if they are realistic in their desires. For instance, an unrealistic buyer may want to buy a foreclosure that needs some repair work to get a better price, but doesn't have any extra money to do the repairs. You're job is to identify any disconnect that could lead to you wa... 04/13/2009

Let's completely ignore the fact that you get a valuable asset at the end of a mortgage and look at the money you pay into the mortgage as rent. Never seems to be enough good clean rentals. Our company CENTURY 21 Regency Realty, Inc. has a rental department www.Regencymanagement.com but the listings change very quickly so what you see now may not be available when you get here, but it will give you an idea on rental prices. I have been thinking about you all and have some info below to consider. My Fort Rucker Real Estate Websites: www.ruckerpcs.com / www.c21Rucker.com / www.RUCKERHOMESALES.COM / www.Ruckermove.com I work with a lot of flight school students, some decide to buy town homes or garden homes, as most have pools and yard service included. Not a lot of free time during flight... 03/26/2009

Hello fellow Fort Rucker Home buyers,  With home prices falling in many parts of the country, and with a large stock of unsold homes available in most areas, this could be a good time to buy a home. The Fort Rucker Real Estate area is a buyers market at this time. There are a lot of good buys out there. Homeownership can help you build wealth, reduce your taxes, and establish good credit. But there are potential downsides, including increased financial responsibilities, maintenance costs, and the possibility that the value of your home may decrease. Working with Your Lender,Your lender will take many things into consideration when determining if you qualify for a mortgage to buy a home. Below is a snapshot of some of the information your lender will need from you. If you have a good job... 03/10/2009

     An older, white haired man, ex-Army retired Warrant Officer,      fixed and rotary winged pilot,  Walked into a jewelry store one Friday evening with a beautiful young gal at his side.   He told the jeweler he was looking for a special ring for his girlfriend. The jeweler looked through his stock and brought out a $5,000 ring. The old man said, 'No, I'd like to see something more special.'   At that statement, the jeweler went to his special stock and brought another ring over.  'Here's a stunning ring at only $40, 000,' the jeweler said.   The young lady's eyes sparkled and her whole body trembled with excitement. The old man  Seeing this said, 'We'll take it.'   The jeweler asked how payment would be made and the old man stated, 'by check. I know you  Need to make sure my check ... 03/09/2009

   I work with a lot of Fort Rucker Flight School Students, some decide to buy town homes or garden homes, as most have pools and yard service included. Not a lot of free time during flight school. Then when they leave they either sell it or hang on to it as a rental investment. We have a buyers market now in our area. You can buy a home, cheaper than renting. Real Estate is still a good investment here. When we find the right home for you it still takes about approx 30 days to close. Sometimes this can go a little bit faster if you are already pre qualified for your loan amount. Some people come here a month early on leave and find the home do the paperwork and go on leave while they are waiting to close. Also the military can authorized a 10 day house hunting for your PCS move but you... 03/07/2009

  Buying a home is often the largest personal finance transaction a person makes in his or her life. So it's critical that you make the right preparations and do the proper research. Regardless of unique situations and special circumstances, there are things you must do before buying a home. 1. Study the home buying process.This will allow you to make better decisions and act confidently. Home buying lingo is a big part of this, so be sure to read through a few home-buying glossaries before you get into the thick of things.www.c21Rucker.com 2. Obtain your credit report.Get a copy of your credit report and review it for errors. You can get copies from all three credit bureaus at once by visiting www.AnnualCreditReport.com. Mortgage lenders will review your credit with a fine-toothed comb... 02/12/2009

The last thing any homeowner wants to think about is losing the family home. No one expects to lose their house to foreclosure, but by understanding the foreclosure process and what may lead up to it, you can be in a better position to recognize and address potential  problems that may impact your ability to make every mortgage payment on time. In the contract you signed when your mortgage lender loaned you money to buy your house, you  agreed that if you can't repay the loan, the lender can foreclose to take ownership of the house. If  you do not pay your monthly mortgage payment, you are technically in default on your mortgage.  State laws vary, but generally, a loan that is as little as 90 days delinquent can be considered in foreclosure. Your lender may send you a notice indicating ... 02/09/2009

Relocating to the Enterprise Alabama, Fort Rucker Area? If you are moving to my area, I can assist you in collecting the information you need, and make your transition as smooth as possible. Feel free to contact me for home finding assistance and area information.I have built a reputation for client satisfaction, and I am devoted to making your move as easy as possible. You will have the added benefit of working with an agent who understands MILITARY needs when buying, selling, or relocating to Enterprise Alabama or any where in the Fort Rucker or Wiregrass area. Finding the right home is only the beginning. I will assist you every step of the way to ensure smooth sailing. Thank you for visiting my site. Please bookmark it, and visit it often.  I look forward to hearing from you. Are yo... 01/27/2009