and all the BS fit to read!

Bill Parsons Insurance

Bill Parsons Insurance

May 31, 2016

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Housing News

Housing News

Apr 9, 2016

By Juan Gonzales Please enjoy this quick update on what happened this week in the housing and financial markets. Minutes from last month’s Fed meeting showed the Fed is concerned about global economic weakness. This concern makes a policy rate increase in April unlikely. Recent economic reports show tepid economic growth, keeping inflation concerns at bay. Lack of inflation helps support conditions for low mortgage rates. Even with the tepid economy, the labor market continues to show strength. Last week’s unemployment claims fell more than expected, slipping to 270,000. Smart home technology can make outdated homes more desirable. Nearly 1/2 of Americans surveyed either have or plan to install smart home tech this year. The recent dip in mortgage rates has helped move some buyers off of the fence. Purchase applications were 11% higher than the same week last year. Annual owner-occupied purchases were up 15.9% in 2015. The 3.74 million purchases were the most seen since 2007’s 3.93 million. Rate movements and volatility are based on published, aggregate national averages and measured from the previous to the most recent midweek daily reporting period. These rate trends can differ from our own and are subject to change at any time. The Juan Gonzales Mortgage Team Neighborhood Mortgage, Inc Senior Loan Officer NMLS #1001339 (678) 990-8774 juan@nloans.net...

Mortgage DOs and DON’Ts for buyers to follow during their loan process

Mortgage DOs and DON’Ts for buyers to follow during their loan process

Feb 23, 2016

BY: Juan Gonzalez Mortgage Team DO: Keep All Records in Good Order. Availability – Keep your financial records close at hand in case updates are requested. Income – Be aware that underwriters typically verify your income and tax documents through your employer(s), CPA, and/or IRS tax transcripts. Hold onto new paystubs as received. Assets – Continue saving incoming account statements. Keep all numbered pages of each statement. Ex. 8 of 8. Gifts – If you’re receiving any gift money from relatives, they’ll need to sign a gift letter (we’ll provide) and an account statement evidencing the source, which must be “seasoned” funds. Current Residence – If you’re renting, continue paying your rent on time and save proof of payment. If you’re selling your current residence, be prepared to show your HUD-1 Settlement Statement. If you’ll be renting your home, you may need to show sufficient equity, a lease and receipt of the first month’s rent and security deposit. Keep your credit shining. Continue making payments on time. Your credit report may be pulled again, and any negative change to your score could cause you to lose your approval and your home. Understand that things have changed. Underwriters require more documentation than in the past. Even if requests seem silly, intrusive or unnecessary, please remember that if they didn’t need it, they wouldn’t ask. DON’T: Apply for new credit. Changes in credit can cause delays, change the terms of your financing or even prevent closing. If you must open a new account (or even borrow against retirement funds), please consult with me first. Change jobs during the process. Probationary periods, career or even status changes (such as from a salaried to a commissioned position, leave of absence or new bonus structure) can be subject to very strict rules. Make undocumented deposits. Primarily large but sometimes even small deposits must be sourced unless they are identified. Make copies of checks and deposit slips. Keep your deposits separate and small. Avoid depositing cash. Wait to liquidate funds from stock or retirement accounts. If you need to sell investments, do it now and document the transaction. Don’t take the risk that the market could move against you leaving...

What do the numbers on a bag of fertilizer mean?

What do the numbers on a bag of fertilizer mean?

Jan 6, 2016

Have you ever wondered about it? They are simply percentages by weight of the three most essential elements, always listed in t his order” Nitrogen (N), Phosphorus (P), and Potassium (K). So, 10-10-10, for instance, means that each element makes up 10% of the mix or 30% together. The other 70% is filler that helps in distribution. Various mixes are available. Nitrogen helps your lawn grow lush and green, and generates a leafy foliage in garden plants. A high Nitrogen count in spring helps get plants popping. Phosphorus helps promote healthy root systems, flower blooms and fruit production. If you want the plant’s energy go towards flowers or fruit rather than leaves, pick a blend with the middle number higher than the first. Potassium helps build strong cells which keep the plant healthy in the stress of heat, cold, pests or disease.  A high third number in the fall will help keep plants in good shape over winter and into spring. Visit my website www.RealEstateOnHeels.com for local listings and community information. Enhance your curb appeal with a winning landscape. An appealing landscape lets you enjoy your home more now and earn more when it’s time to sell it. When you are ready to move, call me. I am an expert at selling my clients’ homes faster and for...

Major Atlanta Restaurant Group Closes Overnight

Major Atlanta Restaurant Group Closes Overnight

Oct 6, 2015

October 6, 2015 by Suzanne Taylor For those of you who go in to Atlanta to eat, you may be shocked to learn that Here to Serve restaurant group that owns Aja, Coast, Goldfish, Noche, Prime, Shout, Strip, Twist, Shucks and Smash all closed according to Tomorrow’s News Today. Coast had 2 locations and one was OTP in John’s Creek. Atlanta-based Here to Serve Restaurants informed their staff at about 5 PM on October 5th that they are shutting down and that all restaurants will close. The news came as a shock to many in the restaurant industry, especially the nearly 1,000 employed by the group’s ten Atlanta area restaurants. Here to Serve operated three Noche locations (Brookhaven, Virginia Highland & Vinings) two locations of Coast (Buckhead & Johns Creek) Prime, Shucks, Smash, Strip and Twist. We wish the employees the best of luck. Read more at Tomorrow’s News...

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