You May Have A Better Way Out!

There are countless hardships that can turn home ownership from a joy into a burden.  The loss of a job, medical bills, or an unexpected hike in monthly payments can all make a mortgage unaffordable.  But ignoring the bills will not make them go away, it will only make things worse.

If you need help, there are approaches that can help, but you may not be familiar with them.  One of these is a “short sale.”

In an approved short sale, the lender agrees to accept less than is owed for the property, and the homeowner is relieved of the debt.  A lender may be willing to do this because it spares a lot of hassle and expense involved in executing a foreclosure.  And typically, a short sale does far less damage to the homeowner’s credit than a foreclosure does.

If you would like to explore the possibility of a short sale for your property, avoid foreclosure, and potentially save your credit rating, please complete the form below.  A qualified short sale agent will be in touch with helpful information.

Go to: www.okavoidforeclosure.com

  It is extremely important to know!!

 If you would like to know ...and would like to eliminate your debt ...Fast!

 Take just a few minutes and go to our Moneylogic Debt Elimination Calculator ..enter your debt..... you will be Amazed!!

 Go to www.moneylogic.info   then, go to the lower left hand corner of the Home Page and simply click onto the Debt Elimination Calculator  (just below the 3 Videos)  Study the example ...then, click onto Clear and add your debt into the Calculator.... It will blow you away ...!

 Then call me ....918-809-9776 or email me dhagler@cox.net  with how much you will save!!

 It's fun ... exciting...and very rewarding!!

 A Life Changing Experience... I would love to hear your Success Story!!

 David Hagler

Moneylogic

 P. S   If you are making debt payments or know someone that is ...you can not afford to not check this out!  It could very well be the best 5 minutes you have ever spent in your life.

 Our  Exclusive Moneylogic Accelerated Debt Elimination Plan will eliminate as much as 15 to 20 years of your debt payments ...and....help you redirect hundreds of thousands of dollars that you have already committed to your creditors ....back to you!!

"Burn Your Mortgage Party!"

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                  (Sooner ...with credit cards only)

Here is a personal challenge:

 Go to www.moneylogiccalculator.com  ....or....... www.moneylogic.info    

 Go to the Moneylogic Debt Elimination Calculator....enter YOUR personal and / or your personal and your business debt....(if you have business debt)

  It will "Blow You Away!" ------ "You will be "Amazed!"

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 WARNING ....You might get a little sick to your stomach after seeing first hand just how much you have committed to pay in interest to your creditors!

 GOOD NEWS: .... Moneylogic can and will make your debt payments for you ...and can help you save hundreds of thousands of dollars

 www.moneylogiccalculator.com or  www.moneylogic.info

The Moneylogic Accelerated Debt Elimination Plan looks at all your loans/debts ...including your mortgage ...and ranks them in order of the highest interest rate first.  Half the total monthly payment amount is debited every two weeks.  Over the course of each year, two additional debits are generated and applied against the principal portion of the first loan in the line-up…the one with the highest interest rate.  Once that loan has been paid off, all its monthly payments are then applied to the next loan as well as the principal payments generated.

This creates an enormous snowball…all funds from each paid off loan plus the principal payments applied to the next loan in the line-up until all loans are paid off!  Debt that is scheduled to be paid off over 30 years can be reduced to only 10 years…even less. Redirecting hundreds of thousands of dollars from the creditors ...back to you!

All member funds are transferred by Moneylogic's partner and service provider, Economic Advantages Corporation, through the Automated Clearing House (ACH) under the strict regulation of the Federal Reserve.  These funds are deposited into accounts at top ranked financial institutions solely for the purpose of making member loan and principal payments.

Economic Advantages Corporation is the leading loan acceleration service in the country.  Providing their service since 1989, they have saved Billions of dollars for over 700,000  people across the Nation.

Even more impressive than the interest savings is the Future Wealth produced by the Moneylogic Accelerated Debt Elimination Plan.  The monthly payments that are no longer made after payoff can now be applied to investments.  A member who reduced their debt by 20 years paying only $2500 a month will have $600,000 redirected from the creditors ...to invest during a period they would have otherwise still owed debt!

You will readily seen that the elimination of your debt is one of THE best investments you can ever make and control!

The cost of the Accelerated Debt Elimination Plan is only $699.00, far less than similar programs costing from $4,500 to $12,000.  This fee is collected within the program from the extra debits (once satisfied, all extra debits are then applied against principal).  This means that there is no out of pocket cost to the member.  Additionally, you will earn a $200.00 sign up rebate for your  enrollment!

Go to www.moneylogiccalculator.com  and enter your loans/debts into the Debt Elimination Calculator to see how this program can change your life.  Then put aside 30 minutes to an hour to enroll in the Accelerated Debt Elimination Plan.  Then tell all the people you know to do the same thing! Go to the Moneylogic Website www.moneylogic.info and see all the Benefits you will receive as a member , YOU WILL BE BLOWN AWAY!

Some things you can do to spruce up your yard could be:

• A thorough wash of the siding or fresh stain
• Lawns, shrubs and tress should be trimmed
• Flower beds and pots should be weed free

Once you have created an inviting and clean front yard, potential buyers will want to enter the home for a closer look. There are a few basic home staging techniques that you can follow for the interior of your home that may help seal the deal.

• All rooms and hallways should be clutter free
• Try to rid your home of any strong odors that may turn off potential buyers (i.e. pet odors, cigarette smells, or strong candle scents)
• Keep you "personal" knick knacks, collections and family photos to a bare minimum
• You may have some smaller rooms in your home. To have these rooms appear bigger, try removing some of the unnecessary or extra furniture

First impressions can make or break the sale of your home, so don't miss out. A little clean up can go a long way.

Spring is sneaking up on us and for those of you that are planning to sell your home, below are a few tips to help you get your home "sale" ready.

When preparing to "stage" your home it is a good idea to start with your front yard. This is where first impressions are formed. Ideally you want your yard to be tidy and well groomed.

• When a bank or other entity forecloses on a home and then sells it for below market values just to get rid of it, that affects all homeowners in the area.  It is not uncommon for a bank to lose $60,000 on a $200,000 foreclosure when you add up all of their costs. 
• It is difficult for banks to absorb all of these losses so they become even more conservative with all of their lending, not just home loans. 
• This also creates challenges for the Mat Su Borough because real estate taxes are not being paid, or not being paid on time.  This makes it a challenge for the borough to continue to fund fireman, policeman, schools and basic services like snow removal. 
• There have been several studies that link an increase in crime to neighborhoods where there are more foreclosures and vacant homes.

No one wins through foreclosure.  Families are stressed through the process, local governments struggle to keep up with services and other home owners values are affected.  The more we can do to help folks avoid foreclosure the better.  If you know of someone that is behind on their payments and doesn’t know what to do, have them contact me or review this information on line to see options they may not know about. 

• Don’t allow smoking in your home. Quit or smoke outside.
• Use unscented or non-aerosol varieties of household cleaning products.
• Verify that all your gas appliances are properly vented outside.
• Run air conditioning when pollen or mold counts are high or when there are ozone or pollution warnings.
• Change air conditioning filter regularly.
• Reducing the Presence of Dust Mites
• Vacuum and dust regularly.
• Avoid the use of feather or down pillows or comforters.
• Wash your children’s bedding in hot water and also dry it on a high setting.
• Cover mattresses, pillows and box springs with mite-proof covers. Regularly wipe down covers.
• Remove carpeting in your child’s room.
• Window coverings in your child’s room should be easily washed or cleaned. Horizontal blinds are not recommended as they accumulate dust on their multiple surfaces.
• Store children’s books in a room other than his or her bedroom
• Keep stuffed animals to a minimum. Favorite plush toys should be washed and dried regularly on the hot settings. Placing plush toys in a plastic bag in the freezer for a minimum of 5 hours will also kill any dust mites present.
• Avoid using a humidifier particularly in your child’s room.

Reducing Moisture and Mold

• Fix leaky pipes, faucets, or roofs. Clean and repair roof gutters regularly.
• Make sure your bathrooms and basement are well ventilated. Install and use exhaust fans to help lower moisture in these areas.
• If you have any damp closets, clean them thoroughly and leave a 100-watt bulb on all the time to increase the temperature and dry out the air.
• Run a dehumidifier in the basement or other damp areas. It's important to empty and clean the water pan often.
• Remove wallpaper and wall-to-wall carpeting from bathrooms and basement rooms.
• Run the air conditioning (this is especially helpful if you have central air), making sure to change the filter monthly.
• Avoid houseplants, which may harbor mold in their soil.
• Clean any visible mold or mildew with a solution that's one part chlorine bleach to 10 parts water. Don't paint or caulk over moldy surfaces without cleaning them first.
• When painting bathrooms or other damp areas of your house, use anti-mildew paint.
• If there's visible mold on ceiling tiles, remove and replace them. Also check to see if there's a leaky pipe that may be causing the problem.
• Replace or wash moldy shower curtains.

Pets in the Home

• Keep pets outside. If you can't, at least keep them out of your child's bedroom and playroom.
• Wash and brush your pet every week.
• Make sure your child doesn't play with or touch your pet and keep him or her away from the litter box if you have a cat.
• Wash your hands every time you touch your pet.
• If you have a pet that lives in a cage, keep it in a room that your child doesn't spend time in regularly. Also, have someone other than your child clean the cage daily.

For more detail information and tips how to create an asthma-safe home visit the KidsHealth website and talk with your child’s doctor about their specific triggers.

Many of us have allergies, and children with asthma, and we want to ensure family members live and play in surroundings that won’t aggravate this chronic disease, and this starts at home. When it comes to children, we want to keep them as safe as possible; however the reality is we have little control over conditions outside of our own homes. By beginning with your own home you can implement a few no-cost or low-cost lifestyle changes that will help turn your house into an asthma safe home, for family members suffering from this condition.

Identifying the Triggers Allergens
If you are unsure what triggers are specific to your child, or children, with asthma, please consult your physician, as they will be able to help identify these triggers and advise you in this regard. Some of the more common triggers, allergens, found in our homes include:

Tulsa has been ranked the top place to live in the country out of 100 cities and towns, according to a list from Relocate-America.

Tulsa rose from fifth place last year to the ranking's top spot.

Oklahoma City ranked No. 10, and Jenks also made the list. Cities outside the top 10 were listed alphabetically by state on the firm's Web site.

"This ranking corroborates exactly what the chamber uses to sell the Tulsa region 365 days of the year. We are faring much better during the national recession than many of our peer cities because of our diversified industries, quality of life and cost of living," said Mike Neal, president and CEO of the Tulsa Metro Chamber, in e-mailed comments.

He noted that the Tulsa area is "experiencing resurgence due to investments made by the community in Vision 2025, streets, Four to Fix the County, education and private business."

Tulsa is on the radar screen of site location consultants and existing businesses looking to expand in this market, as well as new college graduates and young talent.

This latest accolade comes just days after Forbes magazine listed Tulsa as one of the best places in the nation to find a job. The metro area ranked No. 2 among midsize cities for the financial magazine's "Best Cities for Job Growth" and ranked 10th among all cities.

Tulsa also has also been identified as the fifth best city in the nation to ride out the recession, according to Forbes.com.

The median price of a home in the Tulsa metro area as of February was $125,000, according to the Greater Tulsa Association of Realtors.

An editorial team at Relocate-America compiled the list based on a review of nominations it received throughout the calendar year and key data regarding education, employment, economy, crime, parks, recreation and housing.

In its description of Tulsa, the organization's Web site notes that the city has "the friendliness and close-knit attitude of a much smaller town."

Tulsa also has low unemployment compared with many areas of the country and an economy that is based on energy, aerospace, manufacturing and other industries, the Web site notes.

Tulsa's energy jobs have helped it remain relatively stable during the economic downtown, and Oklahoma was among six states that in January was "at risk" of a recession but not yet in one.

"The good thing about relocating here is you've got a significant number of amenities and cultural venues," said Bob Ball, the chamber's economic research manager. "That is growing, and yet you're not trapped with the high cost of living of a large metropolitan area."

He noted that the cost of doing business in the Tulsa metropolitan area is nearly 14 percent below the U.S. average, and its cost of living is 11 percent below the U.S. average.

Top places to live

1. Tulsa

2. Dallas-Fort Worth

3. Pittsburgh

4. Raleigh-Durham, N.C.

5. Huntsville, Ala.

6. Houston

7. Albuquerque, N.M.

8. Lexington, Ky.

9. Little Rock

10. Oklahoma City

Whether you are interested in buying a pre-owned home or begin the adventure in building your first home now is the time to take advantage of the $8,000 tax credit.  And, remember this $8,000 tax credit does not require repayment.  But time is running out.  You must take advantage of this tax credit prior to December 1, 2009.

Let's us answer your questions and help you determine the best option for you.

We find that many families use a change of residence as an opportunity to dispose of many outgrown and no-longer-wanted items. It beats taking the items with you and can even put several hundred dollars in your pocket toward buying furnishings for your new home. 

As Realtors®, we are expected to be wise in all matters relating to a change of residence. Even though garage sales are far from our primary field of expertise, allow us to pass on the best advice we have picked up over the years.

Planning

Allow plenty of time – three to four weeks – to prepare. Choose a date that will not conflict with holidays or other events that might lure prospective customers away. More people are likely to show up on weekends than weekdays. Your sale is likely to attract more customers if you join together with neighbors in a larger effort with more merchandise – some homeowner groups sponsor neighborhood sales that are proving popular.

What to Sell
Practical household goods, bicycles, children’s toys and clothes, sports equipment and garden tools are popular. Adult clothing has less appeal – price accordingly. All items should be clean, polished and in good repair.

Display

Merchandise your items attractively in neat, clean surroundings. Paper tablecloths offer a pretty setting for glass and ornamental items. Cluster things in categories. Place more desirable items toward the back so browsers can notice other merchandise on their way to the most popular items. Have a 25-cent miscellaneous table for young shoppers. Clothes should be sized accurately and hung on a temporary rack.

Logistics

Locate your appliance table near an outlet so customers may try before they buy. Set aside adequate parking and a place to load large items. Have plenty of bags and boxes on hand for packing and newspapers for wrapping glass items. Ideally, a place for trying on clothing should be provided.

Promotion

Place a classified ad in the local papers – include three or four of the more tantalizing items for sale, directions and other pertinent details (you may or may not want to include your phone number). Take advantage of free publicity provided by bulletin boards in grocery stores and other public places. Provide directional signs to your property using an indelible pen. If your house is listed for sale, have your Realtor® hold an open house on the same day, thus increasing traffic for both the house and the sale.

Pricing

Visit other sales to get an idea on how to price things. Remember that garage sale shoppers are looking for deals, so be prepared to bargain and lower your prices. Really valuable items such as antiques should not be sold at a garage sale; they are not likely to bring the desired price from bargain hunters. Nothing is too worthless to be valuable to someone, so have a giveaway box for old magazines and other assorted odds and ends.

Staging

Post a notice that all sales are final and payment must be in cash. Keep ample change in a cash box in a protected spot. Keep a record of sales, especially when there are several sellers. One recording method that is simple and efficient is to use small adhesive stickers to price items, then transfer the sticker to the name of the seller when the item is sold.

www.tulsafriends.net/davidm/Posts/2896

I have had several clients ask what a Post Tention Slab was and how it is constructed.  Explanation and pictures of Post Tension Slabs, click on link below.

Go To>>http://en.wikipedia.org/wiki/Prestressed_concrete