You love your job and it pays off well - Job and income security are definitely two things that we all strive for. With this moving-up-in-the-world, you should definitely start thinking about making that real estate investment.

The prospect of having a family is in the not-so-distant horizon - Living spaces are typically bigger in houses as opposed to apartments or condos and hence serve better avenues to raise families in. Though there might be exceptions to this, the ownership of your own home might serve you better in terms of the little ones painting on the walls and other adorable vandalisms. At least you wouldn't have to answer to any landlord.

Relocation isn't all too probable - If you believe you will be calling an area your home for 5 years or more then contact your realtor as soon as possible. Staying that long at a certain location without investing in that area's real estate is a missed opportunity!

The property is closer to places you frequent - Apart from being a major convenience, this sign can also save you a lot of gas money accumulated over time. After all, real estate is still about location, location, location. If this place is close to hospitals, shopping centers and schools, then that would just make this investment all the sweeter.

If you can see these signs working in your life, then it’s time to take a chance and get in touch with a trusted realtor in the area your eyeing. Things might just be lining up for you to make that investment!

I hope you have found this information helpful. If you need any help with buying, selling or renting a home in Evansville, Indiana please contact me at any time. You can call me at 812-499-9234 or email at Rolando@RolandoTrentini.com

The Solid Waste District conducts tire recycling programs each year in the spring and fall for the residents of Vanderburgh County. 

These programs provide an environmentally proper method of disposal of used tires so that they are kept out of the landfill and are not illegally dumped. 

There is a $1 per tire fee for car & light truck tires.  Semi tires are $10 and tractor tires are $25.  Tires from businesses are not accepted. 

The District accepts an unlimited number of tires free of charge from neighborhood associations and other civic groups who collect unwanted tires from alleys, roadsides and ditches.

2011 PROGRAMS     Civic Center Parking Lot    8:00 a.m. - 12:00 noon
Saturday, April 16

Market Watch For July 2010

We now have results from June closings and as I suggested, closed transactions declined from April and May.  Although June closings were almost 21% below May levels they were still slightly higher than the average for the preceding twelve months.  I do not expect July closings to be significantly different from June.  2010 will be something of a mirror image of 2009 for closed transactions.  The second half of 2009 was significantly stronger than the first half of 2009.  I believe that the first six months of 2010 will be stronger than the second six months of 2010.  The reason for this disparity in both years is the timing of tax credits.  The initial homebuyer tax credit expired in November of 2009.  The tax credits were subsequently extended and they expired in April of 2010.  I do not expect any renewal of these tax credits.

The best news going forward is that interest rates are at some of the lowest levels in history.  Since home prices are lower than they were a few years ago, and rates are great, you can buy more house with a lower monthly payment than at any time in recent history.

 We have also made shopping for homes easier than ever.  We just introduced Tuckermobile.com. This allows you to shop for homes quickly from your smart phone.  Now you can find everything from anywhere, any time.  Simply go to Tuckermobile.com and you can search by Street name, MLS number, zip code or any of several other options.  You can also save properties you select.  If you have signed up for MyFCTuckerEmge.com any saved properties you select on Tuckermobile.com will automatically appear on your saved searches.  All of this is free.  All of this is automatic.  None of it requires a download and it gives you 24/7 access to the entire MLS system from your smart phone.

 I can’t do anything about the temperature outside but I can help you shop from where ever you are comfortable.  Give me a call if I can help with any of your real estate needs and as always I really appreciate referrals if you know of someone else that is thinking about buying or selling.

Wishing you a great summer and we look forward talking to you soon.

TIPS FOR CHOOSING PATIO FURNITURE

True outdoor furniture is manufactured to resist the rigors of radical temperature fluctuations and the onslaught of moisture. Arrange furniture for your deck or patio just as you would any room. Create groupings for various activities. Place seating close enough for easy conversation, but not so close as to invade personal space. Allow for traffic to flow easily between furniture groupings. Certain materials are designed to withstand the weather. Here are some durable options:

Cast- or wrought-iron furniture is heavy and durable yet prone to rust. It also requires periodic touch-ups and repainting if exposed to the elements. This type of outdoor furniture is appropriate in windy climates, where its considerable weight makes it less prone to being shifted around by gusts.

Synthetic wicker Synthetic wicker is typically made from moisture-proof polyester resins and rustproof aluminum framing. Colors mimic those of natural wicker, but the furniture can be placed outdoors and exposed to the elements without damage. Synthetic wicker is slightly more expensive than comparable pieces made of natural wicker.

Plastic and resin furniture is inexpensive and offered in limited styles and colors. When buying plastic furniture, look for quality—top-grade plastic furniture has a 10-year warranty. Some plastic furniture is made from recycled materials. It's thick, heavy, and looks like wood, but never needs to be painted.

Source: BHG.com

DIY DECORATING TRICKS

Can't find (or afford) that perfect rug for your hallway? Make a custom runner by piecing together smaller floor mats.

A painted staircase "runner" can bring bold color to a small space.

Painting a floor can give form to a room where everything is function. Before you start painting, take a long look at the shape of the room: The more complicated its layout — the more radiators and hearths and pillars it has - the less complicated the floor pattern should be. A small area seems larger by a floor painted with oversize squares in closely related tones of blue and green.

Add an element of surprise to a staircase. Create stair-climbing vines with a rubber stamp and latex paint; use a brush to apply paint to the stamp. Wipe mistakes away with damp paper towels.

A carpet remnant — one of your own or from a rug store - can serve as the basis of a distinctive but inexpensive custom floor covering.

Turn any surface into a unique faux-brick wall or floor with a decorative painting technique.

Rough jute upholstery webbing is normally hidden beneath layers of batting and fabric. When handwoven in a simple under-and-over pattern, this practical textile becomes a trim, durable floor mat or decorative runner for a front hallway.

Source: MarthaStewart.c

TIPS FOR CHOOSING PATIO FURNITURE

True outdoor furniture is manufactured to resist the rigors of radical temperature fluctuations and the onslaught of moisture. Arrange furniture for your deck or patio just as you would any room. Create groupings for various activities. Place seating close enough for easy conversation, but not so close as to invade personal space. Allow for traffic to flow easily between furniture groupings. Certain materials are designed to withstand the weather. Here are some durable options:

Cast- or wrought-iron furniture is heavy and durable yet prone to rust. It also requires periodic touch-ups and repainting if exposed to the elements. This type of outdoor furniture is appropriate in windy climates, where its considerable weight makes it less prone to being shifted around by gusts.

Synthetic wicker Synthetic wicker is typically made from moisture-proof polyester resins and rustproof aluminum framing. Colors mimic those of natural wicker, but the furniture can be placed outdoors and exposed to the elements without damage. Synthetic wicker is slightly more expensive than comparable pieces made of natural wicker.

Plastic and resin furniture is inexpensive and offered in limited styles and colors. When buying plastic furniture, look for quality—top-grade plastic furniture has a 10-year warranty. Some plastic furniture is made from recycled materials. It's thick, heavy, and looks like wood, but never needs to be painted.

Source: BHG.com

DIY DECORATING TRICKS

Can't find (or afford) that perfect rug for your hallway? Make a custom runner by piecing together smaller floor mats.

A painted staircase "runner" can bring bold color to a small space.

Painting a floor can give form to a room where everything is function. Before you start painting, take a long look at the shape of the room: The more complicated its layout — the more radiators and hearths and pillars it has - the less complicated the floor pattern should be. A small area seems larger by a floor painted with oversize squares in closely related tones of blue and green.

Add an element of surprise to a staircase. Create stair-climbing vines with a rubber stamp and latex paint; use a brush to apply paint to the stamp. Wipe mistakes away with damp paper towels.

A carpet remnant — one of your own or from a rug store - can serve as the basis of a distinctive but inexpensive custom floor covering.

Turn any surface into a unique faux-brick wall or floor with a decorative painting technique.

Rough jute upholstery webbing is normally hidden beneath layers of batting and fabric. When handwoven in a simple under-and-over pattern, this practical textile becomes a trim, durable floor mat or decorative runner for a front hallway.

Source: MarthaStewart.com

Grilled Spare Ribs with Barbeque Sauce

2 slabs pork spare ribs (2 1/2 pounds each) 2 tbsp chili powder Coarse salt Ground pepper

1 tablespoon butter
1/2 small onion, grated

2 garlic cloves, minced
1 1/2 cups ketchup

1/3 cup cider vinegar

2 tablespoons Worcestershire sauce
1/4 teaspoon cayenne pepper

Desired variations (Kansas City style: 1/2 cup packed light-brown sugar, 2 tablespoons molasses, and 1 tablespoon yellow mustard; Memphis style: 1/2 teaspoon hot sauce (such as Tabasco) and 1/4 cup sugar; Dallas style: 1 tablespoon chopped chipotle in adobo sauce and 1/2 teaspoon ground cumin)

Preheat oven to 400 degrees. Season ribs with chili powder, salt, and pepper. Stack slabs on a double layer of aluminum foil; wrap tightly. Place on a rimmed baking sheet. Cook until meat is fork-tender, 1 1/2 to 2 hours.

Meanwhile, make barbecue sauce: In a medium saucepan, melt butter over medium heat. Add onion and garlic; season with salt and pepper. Cook until soft, 2 to 3 minutes. Add ketchup, vinegar, Worcestershire, cayenne, and desired variation (see ingredients above). Bring to a simmer. Cook, stirring occasionally, until slightly thick, about 5 minutes. Set aside.

Heat grill to medium-high; lightly oil grates. Carefully remove ribs from foil, pouring off any accumulated liquid. Brush ribs generously with sauce; grill until charred, 2 to

3 minutes per side. Serve with extra sauce, if
desired.

WARRANTY WISDOM

Home warranties are often used as a negotiating tool in competitive real estate situations. Whether you are buying or selling your home, a HomeTrust Warranty® home service agreement provides protection from unexpected breakdowns of covered appliances and in major systems. It can also give you the assurance that someone is there to help you with a problem on covered items.

Attractive custom built 1.5 story brick home with many upgrades at time of construction.

Numerous windows allow plenty of natural light into the living room. The open floor plan makes this room appear much larger than it is. The gas log fireplace with a wooden mantel enhances the elegance of the living room. A well designed large open kitchen with dining room is great for intimate gatherings or family reunions. The kitchen features an abundance of cabinets,counter space and 2 lazy susan's. All appliances including washer and dryer will stay. There is a half bath off the kitchen in the hall way to the den/3rd bedroom. The spacious master bedroom has a large closet and there is a walk in shower stall in the bathroom. The upstairs bedroom has a large closet and nice sized bathroom. There is an air conditioned storage room adjacent to the bedroom which could be finished as a bonus room or recreation/hobby room. The 2 car garage has additional storage areas for garden tools and plenty of space to park a riding lawn mower. The back yard has many nice features as well. You can enjoy breakfast or a candle light dinner in the screened-in patio. There are decorative trees and beautiful landscaping as well as a wooden fence for your privacy. Homeowners Association fee of $125/YR. has been paid until April 30th,2011.The living room has just been painted and all the carpet on the main floor has been replaced. Seller offering a one year Home Trust Warranty with a $ 75.00 trade fee.

http://thetrentiniteam.com/inc/pmisc?pid=1247

If you live in the Midwest, here are maintenance jobs you should complete in spring and summer to prevent costly repairs and keep your home in top condition.

Certain home maintenance tasks should be completed each season to prevent structural damage, save energy, and keep all your home’s systems running properly. What maintenance tasks are most important for the Midwest in spring and summer? Here are the major issues you should be aware of and critical tasks you should complete. For a comprehensive list of tasks by season, refer to the to-do lists at the end of this article.

When spring arrives in the Midwest, it’s time to clean up your home and yard from the ravages of winter. As the weather warms, you can also accomplish some routine maintenance tasks that are much more agreeable when the sun is shining.

Key maintenance tasks to perform

• Check your gutters and downspouts. “Stuff accumulates even after your fall gutter cleaning,” says Frank Lesh, president of Home Sweet Home Inspection Co. in Indian Head Park, Ill. “Pine needles especially, which fall all year long and are difficult to remove.” Children’s toys, he says, also find their way into gutters between cleanings, as well as nails and other debris from the roof. Look for any signs of wind or ice damage—has the gutter pulled away from the house, or bent so that there are depressions where water can stand? You can usually repair damage yourself for under $50 by adjusting or reattaching brackets and gently hammering out bent areas.

Lesh also recommends examining your downspouts for blockages. “You can’t see inside them,” he says, “so tap them with a screwdriver handle to see if they sound hollow.” If the ends run underground, where animals can build nests or winter debris can become trapped, your best bet is to put a garden hose in the gutter and see where the water discharges. If you have a blockage, you’ll have to disassemble or dig up part of the downspout until you locate it.

• Inspect your roof for winter damage. This is best done from a ladder, but if you’re allergic to ladders, use a pair of binoculars to check your roof from your yard. Look for loose and missing shingles. If anything looks unusual, investigate further yourself or call a roofing contractor.

• Take a close look at your chimney. “Do this even if the winter was mild,” Lesh says. “High winds, rain, and snow can damage a chimney. Look for cracks, missing mortar, loose bricks or boards, and signs of rot.” If any of those things are present, call a chimney sweep certified by the Chimney Safety Institute of America for a repair estimate. If the metal flashing and the cap on a chimney are galvanized, Lesh says, check to see if they look brownish, which means they’re rusting and should be replaced. Also, make sure the cap is still present but hasn’t collapsed and covered the flue opening, which could cause a dangerous carbon monoxide buildup inside the house. Expect chimney repairs to start around $200.

• Examine your drainage. Make sure soil slopes away from your foundation at least 6 vertical inches in the first 10 feet on all sides of the house and that there are no areas of standing water. If you have properly sloped foundation drainage but still have areas of standing water, consider a landscaping solution, such as a swales (contoured drainage depressions), berms (raised banks of earth), terraces, or French drains (a shallow, gravel-filled trench that diverts water away from the house).

• Take a look at your siding. Has any of it come loose or begun to rot? Repair any damaged sections before moisture has a chance to set in. No matter what your siding is made of (wood, vinyl, brick), it may need a spring cleaning. The best DIY method for any kind of siding is a bucket of soapy water and a long-handled brush. A power washer is not recommended and should only be handled by a professional cleaning contractor. If you choose to have your siding professionally cleaned, expect to pay $300–$500 depending on the size of your home.

• Schedule your biannual HVAC appointment. Get ready for the air conditioning season with your spring tune-up. If your system wasn’t running well last season, be sure to tell your contractor, and make sure he performs actual repairs if necessary rather than simply adding refrigerant. “He shouldn’t just charge it up,” Lesh says. “That will work for a while, but it won’t last. Freon lasts forever—if your system is low, there’s a leak somewhere, and he should tell you specifically what he’s going to check to fix it.” Expect to pay $50–$100.

Your contractor’s maintenance checklist should include checking thermostats and controls, checking the refrigerant level, tightening connections, lubricating any moving parts, checking the condensate drain, and cleaning the coils and blower. Duct cleaning, while it probably won’t hurt anything, is not necessary; be wary of contractors who want to coat the inside of the ducts with antimicrobial agents, as research has not proven the effectiveness of this method and any chemicals used in your ducts will likely become airborne.

On your own, make sure your filters are changed and vacuum out all your floor registers.

• Check your GFCIs. The U.S. Consumer Product Safety Commission recommends that you do this once a month, and it’s a good idea to incorporate it into your spring maintenance routine. GFCIs (ground fault circuit interrupters) are electrical outlets that protect you from deadly electrical shocks by shutting off the power anytime even a minimal disturbance in current is detected. They feature two buttons (“test” and “reset”), and should be present anywhere water and electricity can mix:  kitchens, bathrooms, basements, garages, and the exterior of the house.

To test your GFCIs, plug a small appliance (a nightlight, for example) into each GFCI. Press the test button, which should click and shut off the nightlight. The reset button should also pop out when you press the test button; when you press reset, the nightlight should come back on.

If the nightlight doesn’t go off when you press the test button, either the GFCI has failed and should be replaced, or the wiring is faulty should be inspected. If the reset button doesn’t pop out, or if pressing it doesn’t restore power to the nightlight, the GFCI has failed and should be replaced. These distinctions can help you tell an electrician what the problem is—neither job is one you should attempt yourself if you don’t have ample experience with electrical repair.

Spending a weekend or two on maintenance can prevent expensive repairs and alert you to developing problems before they become serious. Be sure to check out the comprehensive seasonal to-do list following this article, and visit the links below for more detailed information on completing tasks or repairs yourself.

Source: http://www.houselogic.com/articles/spring-summer-seasonal-maintenance-guide-midwest/

As I said last month, pended transactions (signed contracts for sales not yet closed) for March were great.  Pended transactions for April were simply off the chart.  I believe that pended transactions for March and April combined were the best two month period in local MLS history.  As a result, inventory was just over 7 month’s supply.  I think the important questions, as a result of the past two months performance, are what does this mean and where are we going?

I think we know several things and we can draw some conclusions.  First, closed transactions during May and June will be excellent.  This will continue to keep inventory levels relatively low especially compared to unusually high levels we saw at the beginning of the year.  I also believe that the homebuyer tax credits that expired at the end of April were clearly a factor in these remarkable sales numbers.  The key question is: how big a factor were the tax credits?  If average pended transactions for May-July are only down 25% from April’s spectacular numbers the housing market is in excellent condition.  If pended transactions are down closer to 50% then we still have to wait for a fuller recovery.  I believe that the number will be between 30-40%.  That indicates that things have definitely improved and we are moving in the right direction, but we still have room for improvement.

Two other bright spots are an improvement in closed transactions over $200,000 and an improvement in sales price to list price percentage.  For homes over $200,000 sales are up 31.3% in the first four months of this year compared to the same four months last year.  Sales price to list price in April was 95.83%, the highest percentage in almost two years.  This is another sign of our improving market.

 School will be out soon and I’m looking forward to a great summer.  It’s easy to look for homes anytime, regardless of the weather, at http://TheTrentiniTeam.com

EASY WEEKEND DECORATING PROJECTS

Add wallpaper - With wallpaper’s recent comeback, a slew of beautiful choices are available to jazz up any room. Look for oversize patterns to create a sophisticated and dramatic look.

Tile your backsplash - Transform your kitchen with a new backsplash. This easy DIY project will add sophistication to your space. Consider small tiles on a mesh backing for the easiest installation.

Add or upgrade your molding - From grand crown molding to handsome baseboards, millwork can really elevate a room. If you want to add extra architectural interest, consider adding a chair rail or wainscot.

Make a new headboard - Two salvaged windows are a great alternative to an ordinary headboard. Find windows that measure approximately the width of your mattress. Remove the glass and install fiberboard or foam board to cover the backs. Cut fabric or wallpaper remnants to fit each section and adhere with spray adhesive.

Source: BHG.com

SPRING YARD CARE

Spring temperatures draw us outdoors. If you’re like many homeowners, you can’t wait to head outside to assess lawn maintenance needs and plan what plants to add to the landscape.

Collect and Use Debris - Get out your lawn mower and mulch up leaves that have blown into your yard over the winter. They are nature’s fertilizer, so don’t send them to the landfill.

Plan to Fill In - Think about which areas will receive full sun and which will be partially or fully shaded. Remember that the best plants for your yard are usually natives that have adapted to the particular soil and climate in your area. The natural relationship to your environment makes them worth the extra effort it might take to find them.

Where to Shop for Native Plants – Large retail garden shops don’t always offer plants that are best for the local area. Familiar flowers fill their greenhouses, but these aren’t always the best for you because they may not thrive in local soils without many hours of feeding and watering.

Take a little extra time to learn from knowledgeable local vendors about the varieties of plants that will thrive in your yard. In the long run, you will save money and time as plants that spread by roots and seed will come back next year to reward your efforts.

Source: Landscaping.com

SPRING CLEAN YOUR FINANCES

Begin by gathering up your docs. Pull out stray files, snatch the latest round of bills, and empty that overflowing kitchen or office drawer stuffed with papers you've been meaning to get to for ages. Sort everything into six piles:

•           Monthly Bills, Bank Statements, and Pay Stubs

•           Investment Statements (pension updates, 401(k) statements, brokerage and fund statements, and so forth)

•           Tax Returns and Supporting Docs

•           Policy Documents & Deeds (insurance docs, home deed)

•           Warranties and User Manuals

•           Forever Docs (things like marriage license, will, birth certificate)

Next, create a folder for each type of document and add new papers as they come in. Then create folders within the folders: Take ongoing bills, for example. Store all gas bills in one folder, electricity bills in another, cable bills in a third, and so on. If possible, keep all folders in a fireproof, water-resistant file cabinet or box; if not, a drawer or shelf will do.

It's an entirely different ball game for the forever docs. Because of their importance, they must be put in a portable fire- and water-resistant home safe or file container—something that you can grab at a moment's notice. Why not a bank deposit box? Because you don't have access 24/7. If, God forbid, you die or become incapacitated, your relatives may not be able to access it; besides, the maintenance fee is a waste of money compared with the onetime cost of buying    a safe.

Source: Oprah.com

SHRIMP MOJO DE AJO

24  unpeeled, large raw shrimp

1/2  cup  Mojo de Ajo

24  (6-inch) wooden skewers

Garnishes: lime wedges, fresh cilantro

   sprigs, coarse sea salt

Directions:

Peel shrimp, leaving tails on; devein, if desired. Combine shrimp and Mojo de Ajo, tossing to coat. Let stand 30 minutes.

Meanwhile, soak wooden skewers in water 30 minutes.

Remove shrimp from Mojo de Ajo, discarding marinade. Thread 1 shrimp onto each skewer.

Grill, covered with grill lid, over medium-high heat 1 to 2 minutes on each side or just until shrimp turn pink. Garnish, if desired.

WARRANTY WISDOM

When searching for a home service agreement, check to see if plumbing stoppages are included. Sometimes they are not covered at all, and other times you may have to pay extra. With a Home Buyers Warranty VI® home service agreement, plumbing stoppages are covered under the standard coverage.

Unmarried women accounted for 21% of home purchases in 2009, while unwed males were 10% of the buyers, according to a National Association of Realtors report in November. It's a dramatic shift from 1981, the first year the numbers were tracked, when single women and men each accounted for 10% of home sales.

Still, some industry professionals have been slow to take note of females' robust activity. Single women have held steady at the 20 % mark for more than five years, yet when the Urban Land Institute hosted its annual real-estate conference in late April, analysts had to remind the audience to expect big numbers from young, single female buyers.

"I've given some of my [home-building] clients lessons on how to be gender friendly," said Brooke Warrick, president of the market research firm American Lives. He reminded sellers to treat young women as viable buyers, not bystanders, by doing something as simple as handing them a brochure when they enter a for-sale home.

His advice to real-estate developers: "Make sure to pay enough attention to these women. You want these women."

These women tend to stake their claim on homes in the 1,700-square-foot range predominantly in the Washington, D.C., California and Texas markets, Warrick said.

After segmenting the market, Warrick noticed that young women, especially those rooted in secure industries like health care, make more money than their male peers.

Though not quite rooted in a stable industry, freelance video producer Sara Barger, 26, pursues buying homes as a way to safeguard her net worth.

26-year-old owns three homes

Earning roughly $90,000 a year, the American University graduate bought her third Washington property in three years in January when she closed on a four-bedroom $350,000 foreclosed townhouse in Columbia Heights. Barger rents out three of the bedrooms as well as her two condominiums to supplement her income and subsidize her monthly $5,866 mortgage, condo and tax expenses. After her rental income, she ends up owing about $625 a month, including utilities.

"I think people put way too much emphasis on the long term," Barger said of the ease with which she approaches purchasing. "You have to look at it the same way as a 401(k). It's a gamble, but it's something tangible. At least I can get some utility."

Relatives contributed $5,000 to Barger's first two purchases. Her father loaned her $50,000 for the third and she repays him in $1,000 monthly installments. She said that buying properties that needed work was one of her strategies, as was working a full-time job throughout college.

Barger's broker, David Bediz of Coldwell Banker subsidiary Dwight & David, began to see women taking a more active role in real estate five years ago. But he said the company's 20-something clients are still pretty much split evenly down the gender line.

From the 1920s almost through to the present, the predominant female homeowners were widowed seniors, according to Richard Sylla, financial historian at New York University's Stern School of Business.

Although pop culture tends to portray women as eager shoppers, women may have taken the lead in home purchases in recent years because of their thrifty habits, some say.

"Men are much more interested in consumption," said Walter Molony, a spokesman for the National Association of Realtors.

Barger said she observed such indiscretion in spending among her male friends, noting that quite a few who have hit 30 are now reeling in the debt they racked up in their early 20s.

"The last three boyfriends I had, I've broken up with because they were dirt broke," Barger said. "I don't need you to pay for me. I need you to go out and do things."

Inspired by women's interest in personal finance, in January 2009 Amanda Steinberg established DailyWorth.com, a free newsletter tailored to teaching women how to manage their money. Steinberg said her readership doubled to 20,000 in the last three months and that their interests lie mostly in protecting their assets. Of the eight topics offered in a recent preference poll, 79% of 500 respondents checked off "saving" as one they would like to read more about, whereas 45% chose "frugal shopping."

Steinberg said she's pretty sure she knows why her readers are swiping less and budgeting more. "I think it's the fact that more and more women realize that a man is no longer the financial plan."

Source: http://www.marketwatch.com/story/single-women-outpace-men-in-real-estate-market-2010-05-09?reflink=MW_news_stmp

The backyard will be the summer entertainment hot spot as Americans seek affordable ways to spend time with family and friends. But your outdoor party can be spoiled quickly if unwelcome insects show up.

More than half of backyard revelers have moved a party indoors due to mosquitoes, and 46 percent have left a party to escape the pests, according to a new survey from the makers of OFF! PowerPad Lamp and Lantern.

Create an unforgettable party within a tight budget with these five tips from Natalie Ermann Russell, author of “The Outdoor Entertaining Idea Book:"

1. Keep decor simple: Save money on decorations by making the most of the greenery and foliage that surround you. Simple potted plants as center pieces create an elegant setting at little cost, and they’ll last much longer than cut flowers.

2. Set a realistic menu: Give yourself a break by creating a menu that is realistic for your budget and your schedule. To get the best prices, focus on foods that are in season and check out your local farmers’ market for deals. Using produce from the farmers’ market also makes for less work -- the flavors of these foods are so intense and beautiful, they’re at their best when prepared simply. For example, a pasta primavera with blanched farmers’ market veggies can be assembled quickly, and is super colorful and so delicious.

3. Invite guests to pitch in: The beloved potluck is making a comeback. Your friends and family will enjoy contributing to the event, but be sure to be specific about what you need so that you end up with a good variety of foods. And establishing a theme can make it even more fun. For instance, call it the Fresh from the Farmers’ Market Potluck, where each person brings a dish to highlight a different fruit or vegetable that’s in season.

4. Keep away mosquitoes for less: OFF! PowerPad Lamp can repel mosquitoes from an area of up to 15 by 15 feet -- the size of an entire patio -- for less than $10. It would take 15 citronella candles at a cost of up to $60 to protect this same area.

5. Plan right: The fear of running out of food often drives hosts to prepare twice as much food as they need -- at twice the cost. Know your head count beforehand and shop accordingly. A general rule of thumb is to plan for six to eight ounces per person of the main protein (e.g., steak, fish, chicken) and one to two ounces of a side dish like rice or pasta.

Use these simple and affordable tips to entice your guests to linger at your next outdoor party. For more information about how to combat mosquitoes, visit www.offprotects.com.

Courtesy of ARAcontent

Source: http://www.onlinecooking.net/index.php?option=com_content&view=article&id=1943:create-memorable-outdoor-parties-for-less&catid=126:entertainment&Itemid=48

-- Don't ignore safety

This goes for any home-improvement project. Simple precautions like wearing safety goggles, not overloading outlets and turning off breakers will only take a few minutes or a few extra bucks -- but these steps can save you from disaster.

-- Don't forget about the subfloor

Laminate flooring needs an underlayment/vapor barrier for almost any surface upon which it is being installed. Not only will a subfloor protect flooring from moisture, it will also help with soundproofing. Hardwood floors need an even subfloor; use subfloor compound to ensure a level surface. If laying tile in a bathroom, cement backer board should be used underneath.

-- Don't skimp the grout sealer

You can spend a lot of time and money installing tile, but if you don't properly seal the grout it can absorb water, dirt and other stains.

-- Don't get the wrong pro

If you need to hire a pro, make sure the person is qualified for the job. Never let anyone other than a licensed electrician repair or alter the wiring in your home. The same goes for plumbing -- many states also require them to have a license or state certification.

-- Don't skip the primer

The key to a successful paint job is comprehensive preparation. A coat of primer will seal the surface, provide durability and create a solid bond for the paint to adhere. The only time primer may not be needed is when painting latex over latex, and the colors have a similar intensity.

-- Don't forget the building permits

The last thing anyone wants is to spend time and effort building a beautiful deck only to find out it must be ripped up because there was no permit. Check out the rules and regulations for building permits, codes and inspections before you start any remodeling project.

-- Don't get the wrong style of window

The wrong windows can have consequences on both the interior and exterior of the home. When choosing windows, make sure the style matches the appearance and architecture of your home's exterior. On the inside, windows will affect the light, ventilation and temperature of the house.

Source: http://www.courierpress.com/news/2009/dec/16/101-ideas-seven-home-improvement-mistakes-avoid/?partner=RSS

Ivy Tech Community College says it has a record fall enrollment and is still signing up as many as 2,000 students a day.

Some students are having trouble getting into classes they want or need to take. The school says those still planning to enroll for fall semester can get on waiting lists for courses, decide to take a class at another Ivy Tech campus or choose classes that start later in the semester.

Ivy Tech says a record 106,000 students are already enrolled in campuses across the state. That’s a 24 percent increase over last year’s fall semester and more students are still registering.

Classes start Monday at Ivy Tech campuses across Indiana.

Source: http://www.courierpress.com/news/2009/aug/21/ivy-tech-posts-record-enrollment/

Inside INdiana Business has learned that Shelby County is under consideration for a Harley-Davidson, Inc. motorcycle assembly plant and hundreds of jobs. "I can tell you company officials were in Shelby County Wednesday," said Shelbyville Mayor Scott Furgeson, who added the company is interested in a site outside city limits. The Milwaukee-based company is considering closing or restructuring a plant in York, Pennsylvania and moving that work to a new location.

The Business Journal of Milwaukee is reporting sites in Tennessee, Kentucky and Indiana are among finalists for the investment and management has made official visits to all three states.

This week, sources have told Inside INdiana Business the new plant could mean between 800 and 1,500 jobs.

Source: Inside INdiana Business http://www.insideindianabusiness.com/newsitem.asp?ID=37273

Bank of Evansville finds 'Bank On' program works

A Bank of Evansville program led to the opening of 324 bank accounts in the first half of 2009.

The program is a response to Census statistics indicating that 6,000 Evansville households lack bank accounts. It is believed those who live in such households spend more than $800 a year to cash paychecks and to write checks for their bills.

The 324 accounts added in the first half of 2009 were opened by the 15 financial institutions participating in the program. That number makes up 27 percent of 1,200 accounts the city wants to see opened through Bank on Evansville this year.

The average monthly balanced held in them was $219.

The National League of Cities has reported that Evansville has the fastest expanding "Bank On" program in the United States.

"These numbers show that Bank on Evansville is really making an impact in our community," Mayor Jonathan Weinzapfel said.

— Dan Shaw

Source: http://www.courierpress.com/news/2009/aug/19/no-headline---20a03bankon-brf/

The Indiana Association of Realtors (IAR) reports statewide sales of single-family homes in July dropped 6.3 percent, compared to the previous year. IAR also says the median price declined by only 0.9 percent. Chief Executive Officer Karl Berron says there are signs the decline in home sales is slowing. He adds the state may be "near or at the bottom of this challenging period."

The Indiana Association of REALTORS® (IAR) today released its “Indiana Real Estate Markets Report” for the month of July as a continuation of its “Indiana is Home” project.

The Report, found online at www.IndianaIsHome.com, is the first-ever county-by-county comparison of existing single-family home sales in Indiana. IAR obtains the data directly from the state’s 18 largest Multiple Listing Services (MLSs) and the Broker Listing Cooperative® (BLC®) in central Indiana. July’s Report includes Dearborn, Ohio, Ripley, Switzerland and White Counties for the first time, bringing the Report’s representation to 93% of the housing market statewide.

July’s report was similar to June’s in that statewide sales of existing single-family homes decreased from the previous year. From July 2008 sales decreased 6.3%, but median prices declined at a much smaller rate of .9%.

“The decline in sales is slowing and when compared with a year ago, sales have not declined as much as they did in the first half of the year,” said Karl Berron, Chief Executive Officer. “This indicates that we may be near or at the bottom of this challenging period. Combined with the signs of the overall economy, there is cause for optimism.”

Clark, Allen, Johnson, Grant, Porter and Montgomery Counties saw increases in sales, median prices or both.

More about “Indiana Is Home”

It is a multi-media project aimed at keeping Hoosier homeowners, would-be homeowners, policymakers and the media well-informed on the ever-changing local real estate markets.

This month, media professional and host Pat Carlini narrates a third reportisode entitled, “1st Timer,” which explains how the $8,000 tax credit can be used by first-time home buyers, or those who have not purchased a home within the last three years.

Indianapolis-based Boost Media and Entertainment shot and produced all videos found at www.IndianaIsHome.com.

IAR represents more than 16,000 REALTORS® who are involved in virtually all aspects related to the sale, purchase, exchange or lease of real property in Indiana. The term REALTOR® is a registered mark that identifies a real estate professional who is a member of the world’s largest trade association, the National Association of REALTORS®, and subscribes to its strict Code of Ethics.

Source: Inside INdiana Business http://www.insideindianabusiness.com/newsitem.asp?id=37302