• ---------BETTER JUDGEMENTS--------- Better Judgements eZine Terria Judge, Realtor CRS, ABR, GRI, Broker Associate Better Judgements is a newsletter on home matters, from Terria Judge, your Garden City, KS real estate agent! Contact Terria Judge at 620-271-2129! Terria Judge Coldwell Banker, The Real Estate Shoppe, Inc. John P. Judge, Broker 1135 College Dr. Suite E Garden City, KS 67846 1-877-275-7497 x 223 620-275-7421 x 223 http://terriajudge.com http://gardencityksrealestate.com http://gardencityrentals.com Terria@TerriaJudge.com Subscription Management at end of newsletter. Thanks for your subscription to Better Judgements, the newsletter from your Garden City Kansas Realtor, Terria Judge. ---------BETTER JUDGEMENTS--------- In this Issue ============= 1. Article: Plan Your Budget Before Investing On A Property 2. Features at TerriaJudge.com 3. Featured & New Listings 4. Article: Is It Done Yet? 5. Holiday Stuff: Thank goodness for Thanksgiving! ---------BETTER JUDGEMENTS--------- Plan Your Budget Before Investing On A Property By: Jack Parker Owing a property gives a person financial security but before buying any type of property be it home,land or some commercial property it's very important to estimate your budget.Pre-qualification is a very essential step in going for a property deal. There are various ways of pre-qualifying but good idea is to get help of a lender before you even start to look for a home. Pre-qualification lets a buyer know exactly how much a lender is willing to loan him and helps the buyer to save a lot of time, money and even your efforts will be in right direction. Often the first time buyers get puzzled about the estimation of their mortgage payment that they will be able to handle each month. They even have to decide how much money they need for a down payment and closing costs. That's why it is advisable to meet the lender before going any further. Pre-qualification does not obligate buyers to take a loan from the lender, nor should it involve any fees. Until the buyer actually go for the loan. Another way of pre-qualification is to meet some good real estate professional and get his advice. This is not compulsory but can be considered as one of the good methods to be followed in pre-qualification. Real estate agents help the buyer more easily as they are the people who constantly monitor the market scenario. The market trends are clearer to them and even they have large contacts in financial institutions which can help the buyer. Usually pre-qualified buyers have an edge while making a deal with the seller as he knows that there is some lender ready for making the deal to happen. It helps you to negotiate the deal on you terms and make it more flexible. When the lenders pre-qualify they are more concerned about the paying capacity of the buyer. With that the lenders also check for the other debts the buyer has or what is the monthly expenditure of the prospective buyer. There are different methods of deciding for the loan by the lenders. Loan plan is done according to debt-to-income ratio. In case of higher debt-to-income ratio one factor that influences the lender to allow loan to the buyer is more downpayment.Usually the debt-to-income ratio is between .28 to 1 and .38 to 1. The general theory in lenders circle is that a person who has invested more in the purchase is less likely to be a defaulter .What buyers usually realize that the pre-qualification process will produce a home purchase price that is roughly 2 to 3 times their gross annual income. Since the lender's calculations will also consider a buyer's actual debts and ongoing expenses, the loan pre-qualification amount may be higher or lower. About the author: For any further information: http://www.propertyvertical.com Article Source: www.isnare.com ---------BETTER JUDGEMENTS--------- New Features at TerriaJudge.com ==================================== MORTGAGE CALCULATOR: http://terriajudge.com/calculator.html OPEN HOUSES: http://terriajudge.com/calendar.html ---------BETTER JUDGEMENTS--------- FEATURED & NEW LISTINGS ======================== *new* http://terriajudge.com/featuredlistings.html --306 Washington Just visit Terria at http://terriajudge.com/marketevaluation.html to fill out an interest form if you'd like to list your home! ---------BETTER JUDGEMENTS--------- Is It Done Yet? Tips for Using Your Food Thermometer to Prevent Food-Borne Illness Kids popping into the kitchen or dashing by a barbecue grill ask impatiently, "Is it done yet?" The answer to this hungry question is the basis of a national campaign to encourage the use of food thermometers when preparing meat, poultry and egg dishes, to prevent food borne illness. The campaign, which is being led by USDA's Food Safety and Inspection Service (FSIS) is themed, "Is It Done Yet? You Can't Tell By Looking. Use a Food Thermometer to be Sure!" Studies have shown that using a food thermometer is the only way to tell if harmful bacteria have been destroyed. FSIS reports that even if hamburgers look fully cooked, one in four hamburgers may not be safely cooked. Yet only 6 percent of home cooks use a food thermometer for hamburgers and only 10 percent use a food thermometer for chicken breasts, according to the latest data from the Food Safety Survey, which was conducted by FSIS and the Food and Drug Administration. USDA food safety experts encourage people to get and use a food thermometer -- dial or digital -- and become a role model in their neighborhoods. By using a food thermometer to check if meat, poultry or egg dishes are done, you also prevent overcooking and guesswork. Food cooked to a safe internal temperature is juicy and flavorful. If you use a food thermometer, then you'll know the answer to "Is it done yet?" You can buy a food thermometer in many grocery, hardware or kitchen stores. Here are some tips for using it: Insert the food thermometer into the thickest part of the food, making sure it doesn't touch bone, fat or gristle. Cook food until the thermometer shows an internal temperature of 160 F for hamburger, pork and egg dishes; 145 F for steaks and roasts; 170 F for chicken breasts and 180 F for whole poultry. Clean your food thermometer with hot, soapy water before and after each use. FSIS has created a Web site to provide consumers with recommended internal temperatures and instructions on how to use a food thermometer: http://www.IsItDoneYet.gov FSIS is partnering with various organizations, agencies and local groups to help spread this important food safety message. For food safety information in English and Spanish, call the USDA Meat and Poultry Hotline at (888) MPHotline (674-6854) or TTY: (800) 256-7072. The year-round toll-free hotline can be called Monday through Friday from 10 a.m. to 4 p.m. EST. An extensive selection of timely food safety messages also is available at the same number 24 hours a day. For a free copy of the "Is It Done Yet?" brochure, order online at http://www.pueblo.gsa.gov/rc/safefood.htm or send your name and address to Federal Citizen Information Center (FCIC), Dept. 11, Pueblo, CO 81009. Consumers may also pose food safety questions by logging on to FSIS' online automated response system called "Ask Karen," which is available on the FSIS Web site at http://www.fsis.usda.gov. E-mail inquiries can be directed to MPHotline.fsis@usda.gov Courtesy of ARA Content ---------BETTER JUDGEMENTS--------- A man forgot to buy turkey for Thanksgiving It's the day before Thanksgiving, and the butcher is just locking up when a man begins pounding on the front door. "Please let me in," says the man desperately. "I forgot to buy a turkey, and my wife will kill me if I don't come home with one." "Okay," says the butcher. "Let me see what I have left." He goes into the freezer and discovers that there's only one scrawny turkey left. He brings it out to show the man. "That's one is too skinny. What else you got?" says the man. The butcher takes the bird back into the freezer and waits a few minutes and brings the same turkey back out to the man. "Oh, no," says the man, "That one doesn't look any better. You better give me both of them!" --Americans can feast on Thanksgiving turkey without bird flu fear Thanksgiving Turkeys on a farm in the United States. Fearing that a bird flu scare could ruin the American family's Thanksgiving holiday feast, US authorities are reassuring Americans they can safely stuff themselves...read the rest of the news report at http://www.todayonline.com/articles/82618.asp --Thanksgiving Place Cards from Ben & Jerry's! http://www.benjerry.com/fun_stuff/holidays/thanksgiving/place_cards/index.cfm --A turkey Maze for KIDS! http://blackdog4kids.com/holiday/thanks/maze/09.html ---------BETTER JUDGEMENTS--------- This newsletter is compiled and published by Mitone Griffith, http://brightideagraphicdesign.com

  November 9th, 2005 at 1:34 pm

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