When you want to borrow money, lenders will look at a number of things before agreeing to grant credit to you. First, lenders want to know if you have the financial ability to repay the loan. This is known as capacity. Second, lenders look for any property you have to back the loan-again, this is called collateral. And third, lenders want to know if you will make your payments and how you have handled other loans in the past. This is called character. Capacity, collateral, and character represent the three C's of credit. The most common types of credit include revolving credit, installment credit, and service credit. Revolving credit allows you to borrow up to a specific dollar amount. The monthly payment may vary as your balance changes. As you repay the credit, you will be able to bor...
So I had a little close, you know the kind where the seller is out of state and buyer closes separately. It wasn't enough that my seller was gracious enough to pick up the tab on some closing costs, but later to find that there was actually some closing costs dollars not quite exhausted from agreed amount. Well certainly no harm there for my seller! All is good to close, home inspection complete, agreed no home warranty provided by seller. However, at close, literally, and mind you it was a separate close..docs overnighted to seller, one of those last minute HUD's, the selling agent decides that since there were dollars left from the agreed closing cost/prepaid amount, it would be okay to add a home warranty AND have my seller pick up a portion of the inspectors fee! Needless to say th...
1. Back Porch Grill for sunset any day- food is good and consistent (best suset spot) 2. Central Park- Great downtown locale easy level access nice views, easy parking, great food(best restaurant in Hot Springs) If dining inside after dark you will definitely agree the tacky flood lights they use for lighting are quite blinding and offensive, the food, service, and everything else make up for it. I know my dinner tabs would consist of a bottle wine purchase as opposed to a glass if the lights were dimmer..and that goes for most that imbibe I'm sure! 3. Joses Mexican Food- great Margarita patio. It quickly replaced On the Border for me. Joses is clean as opposed to the latter.. 4. Salsa's- Good patio, crappy service and food, GREAT Margarita's(possibly the best in town- Don Juans is over...
I started in November preparing for my clients whom wanted to sell in the Spring, because in our biz Spring is already here! I am working now to get all of my Lake listings in order because Lake Hamilton comes back to normal level next month. I have been showing a lot since just after Christmas. I have also been busy visiting my coming lists and discussing staging and what needs to happen with their homes to compete. If anyone is looking for a place for horses I have just the place, especially since Oaklawn is running! I hope everyone is feeling the market pick back up like we are. The lull was kind enough to remove some liabilities and part timers, what ever that is...:) Side note, TACO MAMMA next to Cafe 1217 on Malvern Avenue is nearing opening. The same lady, Chef Dianna, that owns ...
Hello everyone, and I hope 2009 is off to a good start. Our market has definitely picked up. The phones are ringing, properties are being shown, and contracts are moving to pending status. We have had an unusually large drawdown on Lake Hamilton this year and surpriseingly even our lake properties are already getting attention.... So I had to go renew my tags and have always wanted to get the REALTOR plate, but the hassle of the extra paper work? Sigh! This year it was super easy because they have them at certain revenue offices now. I asked how it worked and if I could use my initials, she said they were pre-printed and it wasn't an option, but shockingly she let me choose thru the stack of 20 or so..I think well maybe I'll get lucky and get some random designation, instead I end up wi...
This is what I am fixing for dinner tomorrow on beautiful Lake Hamilton in Hot Springs Arkansas. Cheers! Course One Blueberry Stilton, French Camembert, Kavli Norwegian Crispbread & Sesame thins with cuts of sun-dried tomato Korbel Blanc de Noir from Geurneville Course Two Spinach, fresh sprouts, walnuts, julienne radish, carrot stars, purple cabbage chards, Hearts of Palm, walnut pieces & Caper Berries, drizzled Lemon, Tarragon, Herbes de Provence, Rice & Balsamic Vinaigrette and Indian Papadam. Course Three Red wine braised, sun-dried tomato and garlic whole roasted Beef Tenderloin sauced with fire roasted red pepper & shiitake Beurre Rouge, green beans with Asian Japones, pearl onions, & ...
Season and Roast 5 large chicken breast (my seasoning is secret!) Allow to cool. Trim any fat away and dice remaining chicken In a mixing bowl combine fresh minced Tarragon 1/4 cup 1 cup mayo salt and pepper to taste ( I use white pepper ) Pecans or Walnuts are great in this as well (use as many as you want) I like celery in mine. 2 stalks diced loosely, some people like grapes. The fun thing is you can form it into a Christmas tree for that party you are supposed to bring something to. Use black sesame seeds to decorate, and dried cranberries for ornaments. ITS ALWAYS A HIT!
