It’s time to CELEBRATE!
It’s McLeRoy Inc.’s 40th anniversary and we’re celebrating! Our celebration events will run September 15th – 30th. Drop by our office any weekday between 9am – 5pm for a chance to win prizes. Saturday, September 17th, we will be hosting a free event at our office with fun for everyone from 12 – 2pm. We will have a bounce castle for kids of young ages. We will also have a potato bar set up for everyone to make their own potato with all the toppings. Please come by and share some of your favorite memories of the past 40 years with the McLeRoy’s.
I am Tricia Gwyn and I have been in the Real Estate Business for 11 years, and have brokered companies during this time for 8 years. I love the agents I work with and I am very proud of them and the compliments of their professionalism I hear from outside agents. I still represent buyers and sellers in their real estate transactions and I love helping people find a good deal.
I also attend church at Mountain View Baptist Church in Thomaston, GA. I am married to Rusty Gwyn from Zebulon, GA. And we have two of the greatest girls ever born! Their ages are 6 and 9 months and they are both full of personality! We strive with our life serving Christ and we do all of our work in order to glorify him.
So if you are looking for a great Real Estate company to assist you, then McLeRoy Realty has a full list of over qualified agents or if you are looking for a great church Mountain View’s doors are wide open! Just call me for more details, free property evaluation, or home buying assistance.
A loan officer’s primary concern when considering granting a loan is whether or not the loan will be repaid. Bank lenders consider five aspects of an application when deciding whether to grant a business loan. They are:
The Five C’s of Credit:
Character: the potential borrower’s references and repayment histoy help bank officials determine whether he/she has good character and can be trusted to repay the loan.
Capacity: the borrower’s ability to run the business effectively, and have sufficient “cash flow” and “profit” to make regular payments are of primary concern to the lender. Prepare a resume and financial projection.
Capital: the amount of money (equity) the borrower has personally invested in the project is important. Banks will not provide 100% of the backing in a business venture. Be willing to put your money where your mouth is.
Collateral: borrowers must be willing to put up a sufficient amount of collateral to secure a loan. Collateral may be a home, real estate, car or other personal belongings. Make a list.
Condition: the conditions surrounding the business venture is important. Is it in a field that is in great demand and in an area where that need is not being met? Or is it a business in an industry that is saturated with other firms and has high failure rate? Do your homework on this.
Simple and affordable do-it-yourself projects can greatly increase a home’s resale valule, according to HomeGain’s annual home improvement and staging survey. The marketing company surveyed nearly 600 real estate professionals to discover which DIY home improvement projects give sellers the biggest return for their buck. Here are six projects under $1,000 (amounts are estimated) that made the list.
- Cleaning and decluttering. Remove any personal items, unclutter countertops, organize closests and shelves, and make the home sparkling clean. $290 COST $1,990 RETURN
- Brightening. Clean all windows inside and out, replace old curtains, update lighting fixtures, and remove anything that blocks light from the windows. $375 COST $1,550 RETURN
- Smart staging. Rearrange furniture, bring in new accessories and furnishings to enhance rooms, incorporate artwork, and play soft music in the background. $550 COST $2,194 RETURN
- Landscaping enhancements. Punch up the home’s curb appeal in the front and back yards by adding bark mulch, bushes, and flowers and ensuring current plants and grass are well-cared for and manicured. $540 COST $1,932 RETURN
- Repairing electircal or plumbing. Fix leaks under the sinks, remove any mildew stains, and ensure all plumbing is in good working condition. Update the home’s electrical with new wiring for modern appliances, fix any lights or outlets that don’t work, and replace old plug points with new safety fixtures. $535 COST $1,505 RETURN
- Replacing or shampooing dirty carpets. Steam-clean carpets, replace any worn carpets, and repair any floor creaks. $647 COST $1,739 RETURN
Excerpted from Realtor magazine (April/May 2011)
According to some recent tips from State Farm’s Good Neighbor magazine (spring/summer 2011) consider doing those things you’ve dreamed about or relieve some ongoing financial concerns. Here are a few ideas:
- Pay Down Credit Card Debt: According to the U.S. Census Bureau, an average household had $5,100 in credit card debt in 2009. This number, unfortunately, is expected to increase. If you carry a balance consider doubling your minimum payment, while cutting back on card use. It will reduce the amount of time it takes to pay off debt, and significantly save on interest.
- Do A Personal Audit: What habits can you do without? Fast-Food lunches? Designer shoes? Gourmet cupcakes? Daily double mocha lattes? Figure out what appetites -big and small- you have that are creating holes in your balance sheet. Try to pick them off one by one.
- Plan A Great Vacation: If you’ve always wanted to take your family to Hawaii, your benefit will be twofold. Researchers in the journal Applied Research in Quality of Life found that leading up to a vacation, people were happier than nonvacationers. Sharing that experience with others will boost your happiness, and theirs too.