Finally...Great Garlic Rolls in Gainesville

Our family loves living in Gainesville...everybody knows that! But there has always been one thing missing for us from the city's gastronomic offerings - great garlic rolls! Yes, Leonardo's 706 has pretty good garlic rolls, and the other Leonardos has whole wheat offerings, but no loaded-with-fresh-garlic, dripping in olive oil, melt-in-your mouth killer garlic rolls like we used to get at The Big Cheese in Miami or even some Italian restaurants in Kentucky.

The Original Pizza Palace really doesn't look like much from 13th street, but I drove by at night last week when I could see through the tinted windows that it was really cute and artsy inside. Kyle and I decided to give it a try at lunch a few days later and were so pleased with not only the garlic rolls but the salad and well, everything!

They make all their dough onsite fresh every morning. Delicious! Doesn't the picture speak for itself?? I just hope my endorsement doesn't seal its doom; a lot of places I like have gone out of business. :-(

Please tell me if you know of other GGGR's (Great Gainesville Garlic Rolls,) but it is going to be hard to beat the Original Pizza Palace!


.^.^.

Reduced to Only $435,000! 904 E. University. Vacant Commercial Corner Property.

Fantastic opportunity to purchase a high visibility .68 acre MOL commercially zoned corner on busy four-lane East University Avenue. Thousands of vehicles from Jacksonville, Palatka, St. Augustine and coastal Florida towns pass this location daily, as East University Avenue is the major thorofare to Gainesville from all points east.

East Gainesville is popular business location because of it's short distance to Gainesville Regional Airport, Shands, the VA and UF and is host to some of the most thriving businesses in town.

* The property is about a mile from the new 206,000 sq. ft. Wal-Mart Supercenter, the first in Alachua County.

* Many attorneys "hang their shingle" in the area due to its proximity to the Alachua County Courthouse.

Just a few blocks away is downtown Gainesville with many sidewalk cafes, the Hippodrome, a thriving nightlife scene and a popular farmers market every Wednesday afternoon. The property borders the historic Duckpond neighborhood and is less than two miles to the University of Florida.

The best in Gainesville dining is so close at at Satchel's, Cafe C, The Topp, The Jones, Leonardo's 706, Juniors and the beautiful Sweetwater Branch Inn Bed and Breakfast. (Old duplex on property to be moved after closing or may be purchased with property at additional cost.) Prior survey on file. Please call Kyle or Mona Bugdal at 352-358-4117 or email us for photos and more information. Thank you for your interest!

This Year the Best "Black Friday" Bargains are in Real Estate!

Best Wishes for a Safe and Happy Thanksgiving from Kyle and Mona Bugdal.

The day after Thanksgiving is the biggest shopping day of the year, and this year the best bargains can be found in real estate! You may be surprised to find that your out-of-reach dream home from a few years ago is on the market and available at a fabulously affordable price today!

Buying a home is an investment in a family’s future. It's about having a place to call home, build a future and become part of a community. It is also the largest single investment most families make and helps to provide security for the future, with home equity being the largest component of personal wealth for about 90 percent of all Americans.

If you 're looking for a present that will last past the holidays just let us know - we'd love to help you find a great bargain in the real estate aisle! Just call 352-358-4117 or visit the website at www.gainesvilla.net.

This holiday, we are truly grateful for our friends, family and wonderful clients.

Happy Thanksgiving!


Kyle and Mona

A Break for Homeowners Facing Foreclosure

Freddie Mac and Fannie Mae have announced that they will work to help keep Americans in their homes, placing a suspension on foreclosures starting November 26, 2008 through January. 9, 2009.

Fannie Mae's website says, "The temporary suspension of foreclosures is designed to allow affected borrowers facing foreclosure to retain their homes."

Freddie Mac had a similar statement: "The temporary suspension is also expected to give servicers more time to help borrowers avoid foreclosure."

Every little bit helps.

The New FHA Loan

In July 2007, the real estate market changed. Due to the poor performance of subprime mortgages, investors lost confidence in the mortgages they were purchasing. Since then, the financial markets generally have been on a roller coaster ride, oil prices are rising, and nontraditional mortgage lending has virtually disappeared. The cost of credit has even been increasing for conventional borrowers. The discontinued use of exotic subprime mortgage products is not a temporary phenomenon. “Stated income” mortgage products are not returning to the market. It is unlikely that lenders will offer 100 percent financing products.

Where can a borrower with a low down payment or less than perfect credit find an affordable, safe mortgage? They can turn to mortgage products that are available from the world’s largest insurer of mortgages. Since 1934, the Federal Housing Administration (FHA) has insured more than 35 million properties. FHA products offer low down payments, competitive interest rates, and greater flexibility than most conventional mortgages. FHA is easier to use than ever before.

We will be happy to refer you to one of our preferred lenders to prequalify you for a loan on your new home.!

Why Choose a REALTOR with a GRI Designation?

I am please to announce that Kyle has obtained the Graduate Realtor Institute "GRI" designation!

When you see the letters "GRI" after an agent's name, you can count on receiving the knowledge and guidance you need to make your transaction go smoothly.

Buying property is a complex and stressful task. In fact, it's often the biggest single investment you will make in your lifetime! At the same time, real estate transactions have become increasingly complicated. New technology, laws, procedures and the increasing sophistication of buyers and sellers require real estate practitioners to perform at an ever-increasing level of professionalism. So it's more important than ever that you work with an agent who has a keen understanding of the real estate business. The GRI program has helped the best and the brightest in the industry achieve that level of understanding.GRIs are:

* Nationally recognized as top performers in the real estate industry
* Professionally trained
* Knowledgeable
* Dedicated to bringing you quality service

A GRI can make a difference. In short, you can count on getting the best service available from a real estate professional. Don't you deserve the best? :-)

Finally, Some Good News for the Housing Market!

Reuters is reporting that home sales have seen the biggest gain since July, 2003, a 5.5% increase last month!

Read the full article on reuters.com:

http://www.reuters.com/article/gc03/idUSTRE49M5Q320081024?sp=true

Even though sales volume is up, prices, unfortunately, are still dropping and most likely will continue to do so until the large inventory of homes on the market bottoms out. We are seeing a huge increase in investors buying cheap, foreclosed homes. A sad and unfortunate way to decrease inventory.

We won't actually know when we've hit bottom until we've started back up, but hopefully this news is an indicator of good things to come.

- Mona

Children's Miracle Network & RE/MAX "Art Through the Eyes of A Child" Auction

Join Children’s Miracle Network for art and inspiration at the RE/MAX “Art Through the Eyes of a Child” Art Auction. The event will be held October 30th at the UF Orthopaedics and Sports Medicine Institute. It will begin with a VIP reception at 5:30 p.m.; the main auction event begins at 6:30 p.m. and consists of both a live and silent auction. The unique artwork, all created by patients of Shands Children’s Hospital at the University of Florida, tells the story of hope and encouragement through the eyes of a child and is completed as a part of the Arts In Medicine program. Arts In Medicine promotes healing during activities using music, dance and the creative arts. Many of the Shands for Kids artists are children and adolescents waiting for organ transplants, undergoing dialysis treatments, or recovering from accident or trauma. Each item is accompanied by a powerful personal story of the pediatric patient and their motivation for creating the piece.

Many of the items will be created with this year’s theme “Up, Up and Away”. Large pieces such as a play house, rocking chair, toy chest and child-sized table and chairs will be painted by patients at Shands Children’s Hospital. Other items include canvas artwork framed by Central Florida Office Plus, and ceramics donated by Do Art. Since 2002, the children’s art auction has raised more than $300,000 for Children’s Miracle Network at Shands Children’s Hospital. All of the proceeds from the auction stay locally to fund life-saving medical equipment, pediatric research and a variety of programs, including the Arts In Medicine program. VIP tickets are $50 and general admission tickets are $35.

Gainesville Makes Another Top 20 List!

Black Enterprise Magazine has selected Gainesville as one of the 20 Best Places to Retire. The October, 2008 issue is the Annual Retirement Guide and will feature the 20 Best Places to Retire and Gainesville is in there as #13. The issue will hit newsstands on Tuesday September 23, 2008.

Preview the Article Here:

http://alachuacounty.us/assets/uploads/images/Communications/pr_images/20-BEST-PLACES-TO-RETIRE.PDF

First Time Home Buyer Tax Credit

First-Time Home Buyer Tax Credit at a Glance:

• The tax credit is available for first-time home buyers only.
• The maximum credit amount is $7,500.
• The credit is available for homes purchased on or after April 9, 2008 and before July 1, 2009.
• Single taxpayers with incomes up to $75,000 and married couples with incomes up to $150,000 qualify for the full tax credit.
• The tax credit works like an interest-free loan and must be repaid over a 15-year period.

Do you qualify? More information http://www.federalhousingtaxcredit.com/index.html

Can You Help the Inverness Humane Society?

We adopted Max from the Inverness Humane Society earlier this year. He was on his way to being euthanized but was rescued by the wonderful people at the Inverness Humane Society who had driven all the way to Arkansas to rescue as many dogs as they could from a puppy mill auction.

So now they need help. Following is a message from Margret Nolan, President of Inverness Humane Society:

"We are now celebrating our 4 year anniversary! We would like to thank everyone for their help and we would like to keep you all better informed on our weekly business. Going forward, we would like to send you our yearly adoption stats (590 so far this year alone!), how many animals we have rescued this year (we currently have 50 adoptable dogs and 5 cats), a happy ending rescue story, and helpful hints from our clinic vet, Dr. Fox. If you do not want us to email you, please respond to this email asking us to take you off our contact list.

Our organization has found homes for 2144 dogs and cats that otherwise would have been euthanized since we opened 4 years ago. We run a low cost spay/ neuter clinic in Inverness and very often will help people who cannot afford to spay/ neuter their pets with further discounts or free services. We have always done what we could to help other rescues, we have always stepped up to help raise funds for rescues in dire need, we have given free heartworm treatments and spay/ neuters for people adopting dogs at the local animal control, not even our organization, who otherwise would not have been able to afford to save that dog, and we further discount our clinic services for rescue organizations. Now we need a bit of help for our dogs. We are in an area that floods and our adult dogs have runs that are totally outside, with tarps and dog houses. We have an opportunity to greatly improve conditions for our animals and we need your help!

As I said, our animals are in urgent need of help right now. We are trying to raise $9,500 in 4 weeks to buy that 12*40 shed to convert. We will make indoor/ outdoor runs for our adult rescue dogs, we will convert the old outdoor runs into a big play yard for them, and be able to create a quarantine area for the new puppy litters we rescue. Please visit our fund raising web site http://www.firstgiving.com/humanesocietyofinverness to track our progress and donate yourself! There is also a link on that site for people interested in doing their own fundraising efforts on our behalf. Any help will be greatly appreciated! Thank You and Dog Bless. "

Margret Nolan
President and FounderHumane Society of Inverness
501 3 c
Bouvierrescue of Florida
Non Kill Organization

It's Our Turn to Cheer on Our Leading Cheerleader

From: Michelle Florence at Keller Williams:

George Edmunson, THE Mr. Two Bits, will be hanging up his whistle and retiring the yellow oxford this season.

Since coming to his first game in 1949 Mr. Two Bits has lead Gator fans in spirit, and he wasn’t even here to cheer on the Gators (he was here to watch them play the Citadel – his alma mater). No one has ever captured the true Gator pride like this guy!

Now it is our turn to cheer on our leading cheerleader.We are starting an ‘unofficial’ campaign to get as many Mr. Two Bits fans – I mean Gator fans – to wear that signature oxford yellow shirt and orange and blue tie to this seasons’ Homecoming game, 25 October against Kentucky so that we can cheer on our biggest cheerleader!!!

Until we make it official, pass this message along to as many people as possible! We will continue to provide updates and details as we approach Homecoming. For now, he and his wife will be in the Homecoming Parade with the players – pulled by a Florence Recycling truck of course ;) .

Over the Long Term, Owning is Better than Renting

In today’s market, an increasing number of savvy consumers are asking themselves whether they should rent or own a home. While there are many factors to consider in deciding whether to buy or rent, the most important questions to ask are:

"Can I afford to buy?"
"Is homeownership a good investment?" and
"How long do I plan to stay in my home?"

The answer to the first question may well be that you can’t afford NOT to buy, None of the money you spend on rent is returned to you, either through savings or as an investment.
Homeownership, on the other hand, has tax advantages over renting. And homeownership allows you to leverage your money.

When considering the investment value of a home, think about this: Dollar for dollar, the rate of return on an individual’s cash downpayment on a house is substantial. Buyers typically use their own money to cover only a small portion of the purchase price, but the home appreciation they realize is based on the total value of the property.

Homeowners benefit from the power of leverage. Over 10 years, a $10,000 investment in the stock market at a normal 10 percent market rate of return would yield $23,600. The same investment as a down payment on a $200,000 home at a normal appreciation rate of 5 percent would return nearly five times the average stock market return, at $110,300.

Homeownership is how many American families begin to accumulate wealth. According to data from the Federal Reserve Board, a homeowner’s net worth is 46 times that of a renter’s.

Housing is not a quick-in, quick-out investment. When purchased for the long term, housing is one of the safest investments consumers can make. In addition to the savings accumulated through a buildup of equity and tax advantages, a home provides shelter. No paper investment provides this benefit.

Of course, homeownership is not just about money. Homeownership provides shelter and security to families, and fosters involvement in community life as well as participation in democratic institutions. Homeownership also provides important social and economic benefits. It is the cornerstone of a healthy community and the basis for positive community involvement.

Picturesque 15+ Acre Turn-Key Equestrian Estate Centrally Located Between Gainesville and Ocala

Luxury Florida Ranch Living
Offered at $699,000
3 BR/2 BA 2396 Sq. Ft.
Year Built: 1999

Experience the finest in Florida ranch living on this picturesque, 15 acre turn-key equestrian estate. Centrally located between Gainesville, the University of Florida & Shands and Ocala, the Horse Capital of the World, the elegant home features: a three (3) bedroom split plan, two (2) full baths, a half (1/2) bath off the screen enclosed pool and lanai - great for entertaining, bright and open kitchen with skylights, center island with breakfast bar and double sinks, oak cabinets, breakfast nook, great room with formal living and dining areas, separate family room, luxury master bath with jetted marble tub, dual vanities, walk-in shower, double closets, built-in tv shelf in master bedroom, extensive marble in both baths, mud/laundry room with shower, utility sink and pantry, a bonus office off the three (3) car, side entry garage with attic storage, high ceilings and trey ceilings, central vacuum, water softener, all appliances convey, including washer and dryer and refrigerator with icemaker, irrigation system and an automatic whole house generator (propane) to back up house, barn and mobile. The home's filled concrete block construction meets Dade County hurricane standards.

Past the property's gated entry are the most beautiful 15 acres of fenced and crossed fenced pasture, a pond and a topnotch six-stall center isle barn with tack rooom, loft, water and electric, stallion stalls, concrete flooring, a run-in, hitching posts and a cattle chute.

Additional residence on-site perfect for guests or farm help is a 1989 3/2 mobile home in excellent condition (however, conveyed "as is") with washer and dryer.

This property presents the best opportunity for the modern day rancher to operate with ultimate convenience and comfort in the premium North Central Location of historic Micanopy, Florida. Shown by appointment only, so be sure to call Kyle or Mona today at 352-358-4117 to schedule a showing. Thank you for your interest!

Does It Make Sense to Lock-In Your Mortgage Rate?

Locking in a mortgage rate with a lender is one way to ensure that same rate still will be available when you need it. Lock-ins make sense when borrowers expect rates to rise during the next 30 to 60 days, which is the usual length of time lock-ins are available. A lock-in given at the time of application is useful because it may take the lender several weeks or longer to prepare a loan application (though automated loan practices are cutting this time dramatically). However, some lenders require borrowers to pay lock-in fees to assure particular rates and terms. Be sure to check that the rates and points are guaranteed and that your lock-in period is long enough. If your lock-in expires, most lenders will offer the loan based on the prevailing interest rate and points. Lenders may have preprinted forms that set out the exact terms of the lock-in agreement. Others may only make an oral lock-in promise on the telephone or at the time of application.

More Resources:
* "A Consumer's Guide to Mortgage Lock-Ins," is an online brochure, published by the Federal Reserve Board and Office of Thrift Supervision, Washington, D.C.

Another Tip of the Hat to Alachua County Commissioners

The Florida Department of Corrections has not filed a formal request but is considering a site on NE 39th Ave. for a state prison and possibly a mental health facility for female inmates.

County commissioners immediately slammed the idea. "Plan East Gainesville" has been set in motion for economic development on Gainesville's eastside. Eastside is becoming a popular and affordable area for homebuyers due to easy access to UF, Shands and the VA. What the DOC has in mind would surely be a detriment to East Gainesville's future.

Good News For Florida's Youth

Good news for the entire state! This week, Governor Crist signed a bill that will increase physical education in middle schools. This is a huge success, considering few students in Florida receive daily quality physical education.

Did you know that physical inactivity and poor nutrition comprise the second leading actual cause of preventable death? Increasing physical education in middle schools is a positive step forward. Let's celebrate bringing P.E. back to our children, whether they are happy about it or not!

A Tip of the Hat to Alachua County Commissioners

On May 27, the Alachua County Commissioners earmarked $250,000 from the county's general fund to establish a clinic in East Gainesville for residents on limited income that will provide spay and neuter surgeries for their pets.

No More Homeless Pets, Inc. had asked for a pledge of $200,000 to match the $200,000 pledge made by Gainesville resident Gladys Cofrin for the clinic. However, when the Commissioners were informed that efforts were short $100,000 toward the initial $500,000 projected for startup and operating costs, Commissioner Paula DeLaney proposed that the County pledge another $50,000-which was approved!

This matching grant is intended to be a one-time grant to No More Homeless Pets of Alachua County. Once the $200,000 is repaid, the funds could be used for future Spay/Neuter efforts. A successful program will potentially reduce the amount of space required for future expansion of the Animal Shelter.

Seven Steps to a Faster, More Profitable Home Sale

Clutter-free interiors allow potential home buyers to appreciate all that a home has to offer -- resulting in a shorter sales cycle and a higher selling price. The fewer items there are in a home, the easier it is for a home shopper to envision the space as their own!

1 If an item hasn't been used in three months, box it up and take it offsite.

2. Limit items in closets and drawers to make them seem more spacious.

3. Old files, books and memorabilia should be stored away from the house.

4. Remove excess and/or worn furniture to create more room.

5. Pack away off-season clothes.

6. Buyers value storage. Don't just stash items in the basement or the garage - take them offsite.

7. Remove excess items from decks, driveways and the yard, including kids toys and pool supplies.

PODS is the easy way to declutter and move. Please feel free to use our RE/MAX special discount for 10% off local moves and storage 5% off long-distance moves.

To book PODS containers:

* Visit www.PODS.com/REMAX
* Call 1-866-556-9595 and mention promo code RMAX

*Available for a limited time only at participating locations. Offer void where prohibited by law. Please call for service locations. Must mention promotional code at time of order. Cannot be combined with any other offer. For local moves, 10% off initial local delivery and first month's storage, except when better discounts are in place locally. Additional mileage charges may apply if outside our standard delivery area. For inter-franchise moves between two different PODS company-owned and/or franchisee territories, 5% off first month's storage, administrative fees, and transportation costs.

Bright & Open 3/2 with Lanai & Florida Room

JUST LISTED!

3 Bedrooms
2 Bathrooms
Interior: 1812 sqft
Lot: 0.40 acre(s)




Listed at only $229,500

This delightful 1,812 sq. ft. home boasts a bright and open 3 bedroom, 2 bath split plan and has been meticulously maintained since construction in 1996.

The cook in your family will enjoy the large pantry, ample counter space, Kenmore electric oven/range, refrigerator & microwave, Whirlpool dishwasher, disposal, skylight with remote shade and pass through to the living and dining areas. To complement the timeless kitchen maple cabinets, these fabulous updates were just completed: New Silestone counter tops, tile back splash, fresh paint, new fixtures and a stainless steel sink. Water softener new 2006.

Cathedral ceiling in the spacious living and dining areas highlight the built-in plant shelves and highlight the warm and cozy gas fireplace with tile surround and a classic wood mantle.

Through the french doors to the tiled Florida room (which is heated and cooled) is a special treat for your enjoyment! In 2004, the sellers added a peaceful and serene 10' X 30' screened lanai looking onto the lush and private back yard, perfect for quiet time and relaxing.

The master suite has plush new berber carpet, soothing paint scheme and two closets (one full walk-in and one standard.) The master bath features his and hers sinks, a garden tub, walk-in shower, built-in space heater and has also been tastefully updated in 2008 with new counter tops, fresh paint, mirrors, fixtures and door pulls.

Second bedroom has french doors and a big bay window, could make a great home office or nursery. All three bedrooms have phone jacks & cable tv outlets.

Full guest bath also has a built-in space heater, tub and shower.
Tile in foyer both baths, kitchen and dining areas.

Eight (8) ceiling fans.

Insulated windows and louver blinds.

Extra outlets in all rooms.

Wired (but not monitored) for security.

Oversized side entry two car with lots of room for storage.

Generous attic storage.

Hardiboard exterior and aluminum gutters.

Beautifully landscaped .4 acre yard is kept looking great thanks to the five (5) zone irrigation system, four (4) hose bibs, and six (6) outdoor electrical circuits. Separate irrigation meter to offset sewer charges.

Conveniently located on a quite street in the gated community of Turkey Creek.

Gated neighborhood amenities: golf course, tennis & pool not included in HOA dues but available at extra charge.

Please let us know if you have any interest in this beautiful home. We'd appreciate your passing this on to any friends and family.

Thanks!
Mona

The Housing Crisis Is Over?

Mr. Cyril Moulle-Berteaux seems to think so and presents a level headed outlook in a recent online opinion. He is a managing partner of Traxis Partners LP, a hedge fund firm based in New York.

Click here to read his very interesting commentary in the May 6 Wall Street Journal.

One thing I found interesting is that he states the housing marked decline started mid 2005. Here in Gainesville, we really didn't see the effects until mid 2006.

-M

SPRING MAINTENANCE TIPS

Outside the House - Up HighInspect the roof for damaged, loose or blistered shingles. Have damaged shingles replaced if they're on less than 20% of the roof. Reroof if damaged shingles cover more than 20% of the roof. Examine flashing around chimneys, vents, and roof edges. Remove debris from gutters and downspouts and patch any holes. Make sure the downspouts direct water at least five feet away from your foundation. Examine fascia or soffit boards. Replace if they are soft or rotting because they may allow rain into your attic. Trim branches and shrubs that are touching your home which can provide a pathway for bugs or excess moisture to enter. Remove dead branches that may fall on your home. Snap!

Outside The House - Down LowClean up fallen limbs, branches and other debris around the home to discourage wood-eating insects. Termites = bad. Clean out basement window wells. Inspect/replace caulk on windows, doors, and other penetrations, such as dryer vents and cable wire holes. Inspect and repair caulking where two different materials meet, for example where wood siding joins the foundation's wall or at inside corners. Touch up any exterior surfaces that need paint before they deteriorate further. Inspect bricks and concrete blocks for cracked mortar or loose joints. Inspect grading around the house to be sure water drains away from the foundation on all sides. Make sure that your lawn sprinkler heads do not spray the walls of the house. Water = bad. Check your inside and outside foundation walls and piers for termite tubes and damaged wood.

Information courtesy of PATH. For more information and resources, go to http://www.mrcampaign.com/ct/L0B8EY/8X3NX41M/*http_mm_url_mm_www.pathnet.org*Pathnet.org

Sign the Stop UF Layoffs Petition

To: President Bernie Machen

As members of the University of Florida community and/or residents of the greater Gainesville area, we wish to record our opposition to UF’s proposed staff layoffs, which would lead to the termination of over 100 current employees. These layoffs would hurt our friends, neighbors, and co-workers, their families and our community. They would also hurt the University, both by depriving the institution of the knowledge and skills that these employees possess and by shifting more work to other employees who are already overburdened. Hence, we urge the university administration to reconsider its decision to impose layoffs.

http://www.petitiononline.com/UFlayoff/petition-sign.html

View Current Signatures - Sign the Petition

Nice Dining Coupons, Just in Time for Mother's Day

Gainesville Restaurant Group would like to offer you a friendly 10% off any of our four restaurants.

PRINT AND BRING IN A COPY OF THIS EMAIL TO RECEIVE 10% OFF YOUR NEXT VISIT AT ANY OF OUR FOUR LOCATIONS. OFFER EXPIRES SUNDAY, June 1st!

Feel free to send this to friends or colleagues!


**THIS EMAIL IS NOT VALID WITH ANY OTHER OFFER. ONE PER TABLE/TAKEOUT ORDER. NO CASH VALUE. BILL MUST TOTAL $7.99 OR MORE.**

- Gainesville Restaurant Group Management and staff

P.S. Northwest Grille is now offering Shrimp Feast WEDNESDAYS! Chef specials or shrimp one of 4 ways- grilled, broiled, fried, or blackened, served with side or salad, bread and butter. Only $12.99!

$6 Martinis on SATURDAYS

NEW- Monday-Friday $7.99 lunch specials!
For more information on other specials, check our website:
http://www.gainesvillerestaurantgroup.com

Oh No, He Broke it!

Recently, a prospective high school football player was on tour at UF when he wanted pictures of Tim Tebow's Heisman trophy. However, in doing so the young man who is described by his own high school coach as a "a bull in a china shop" bumped into the Florida Gators' 2006 National Championship trophy worth $35,000 and broke it!

How is this even remotely news for the "Good News" blog? It's insured, and the replacement is expected to show up in a few weeks.

That was Then, This is Now

Today’s headlines seem to tell a uniquely bleak story, but at the same time, a quick look back at history gives us a different message.

Do you remember standing in line to buy gasoline in the 1970’s? That means you're my age. :-)

In the 1980’s, the stock market crashed and lost almost a quarter of its value overnight. And on into the 1990’s and 2000, with the dot com burst, it appeared this crazy emerging technology thing called "the internet" might be dead in the water.

So, that was then and this is now. Gasoline is at an indecent price, but nobody’s standing in line to buy it. The stock market still has its ups and downs, but it’s definitely healthier than ever. And as for the internet, every day it seems to exert a greater influence on our lives.

None of us can predict the future, but we can certainly learn from the past. And if recent history teaches us anything, it’s this—tough times inevitably come, and tough times inevitably go. Economist Dr. Hank Fishkind of the University of Central Florida offered this historical perspective: “The history in Florida is that house prices jump up…and then they flatten out.” So we’ve seen the jump, and now we’re seeing the flattening. It’s nothing new. Real estate grows in value more quickly in some years than it does in others.

Florida Facts

Florida’s population has grown 13.4% since 2000, compared to only 6.4% for the rest of the country!

Most recent figures show us over 70% of Floridians own their own homes, well ahead of the national average.

Need a Place to "Impress the Ladies"? (Funny)

Cute new RE/MAX commercial. Glad RE/MAX could help this guy out!

We've Said This All Along, But It's Nice to See Confirmed in Print

Check out the full article by Christine Dugas in the March 31 USA Today on the stable Gainesville, Florida housing market:

http://www.usatoday.com/money/economy/housing/closetohome/2008-03-31-gainesville-fla_N.htm

Recent Fed Rate Cuts - What Does it Mean For You?

When the Fed cut rates in January, everyone expected mortgage rates to drop soon after. Instead, they rose. Who knows where the recent cuts will lead us. What we do know is that if you locked into a mortgage rate before January, consider yourself a winner! Rates were near historic lows. If you have an ARM about to reset, you should see benefit from the rate cut. This will help many Americans facing foreclosure.

What we do know is that if a buyer is capable of obtaining financing or has cash on hand to purchase a home, there hasn't been such a strong buyer's market in nearly a decade and there are bargains to be found. 2008 is the year to buy if you can, especially in a stable market like Gainesville, Florida.

Clean Up at Mill Creek Sink

Another cleanup. This one you should join if you possibly can -- not only to do some good things, but to see and learn about Mill Creek Sink, which is not generally open to the public. Adopt-A-River is partnering with the National Speological Society/Cave Diving Section to conduct a cleanup all around the sink and the accompanying creek. No one will be working in or on the water. Lunch will be provided for volunteers, but they need to know you're coming by next Wed or Thurs to allow for adequate food planning.

If you can help out, meet adjacent to Sonny's in Alachua. It's on the north side of US 441 right before you get to the I-75 interchange. Plan on being ready to work at 9:00 and finished up by noon.

For More Information contact:

Fritzi S. Olson
Executive Director
Current Problems, Inc
aar@currentproblems.org
352-264-6827

The Trouble with Adjustable Rate Mortgages

Why It's a Great Time to Buy Real Estate in Florida!

Inventory: Conditions are ideal for buyers to find their dream home. Inventory is plentiful. In Florida’s three largest markets alone, more than 125,000 homes were for sale at year’s end in 2007. Even with these high inventory levels, economists predict that number will go down in 2008 – which, of course, is another great reason to buy now.

Favorable interest rates/reduced prices: Do the math. Lower rates multiply buyers’ financial power, especially now when rates are near a 40-year low. Even one/half of one percentage point difference means a buyer could save more than $1,000 per year on a median-priced home. Buyers get more home for the money, which is a perfect scenario for families looking to upsize.

Do the numbers - Ownership trumps renting: While renting may make sense for someone who expects to move in the next year or two, ownership continues to be a wise, long-term investment. Consider these financial benefits: Deductions on your annual income tax return, locked-in payment with a fixed rate mortgage, home price appreciation if you plan to live there for a few years, and a monthly mortgage payment comparable to rent payments. House values in the past decade have risen 88 percent on a national average, according to National Association of Realtor® research.

Attractive, secure financing options: Having good credit and secured down-payment capital are the most sure-fire ways to get the best mortgage deal. Fixed rates are more affordable, and many federally funded programs are available for first-time homeowners, teachers and police officers. Affordable housing loan programs are back in the picture too.

Location/lifestyle. With the extensive inventories in urban and suburban locales, buyers can live closer to work, schools and rapid transit lines. First-time homebuyers also have many affordable options in the town home and condo markets. And let’s not forget Florida’s climate, world-class beaches, vibrant economy and diverse population.

Hot Home Decorating Tips

Ready to beat the winter doldrums? Maybe it's time to breathe new life into your home's decor, especially if you're trying to sell right now. A fresh coat of paint, new carpet or kitchen countertops can cure those winter blahs and help you enjoy being indoors.

Print out and share these 9 hot home decorating tips with your clients and customers. So when spring rolls around they'll be ready to focus on their outdoor home improvement projects!

9 Hot Home Decorating Tips

Ichetucknee Water Lettuce and Lake Santa Fe Cleanups

Come to the Ichetucknee on Saturday, March 15 to help pull water lettuce. We'll meet at the south entrance of Ichetucknee Springs State Park from 8-8:30 that morning. Remember to bring along food and drink for yourself, and wear appropriate shoes and clothes. Let me know you are planning to come if you can. Hope to see you there.

Also, a heads up for two other events. We will work at Mill Creek Sink on March 22 and then on Lake Santa Fe on March 29. We really need people with boats for Lake Santa Fe, but landlubbers are needed, too. If you would like bring along an exhibit or have art or other appropriate items to sell at the festival that is held in conjunction with the cleanup on the lake, please get in touch with Jill McGuire -- 352-475-1567 or mikejillmcguire@earthlink.net.

We are also looking for people to sign up for waterway cleanups that will count towards the Great American Cleanup effort. Please contact me if you are interested. The signature even is April 19, but you can choose to do your cleanup any time from now until May 31. Get in touch.
Fritzi

Fritzi S. Olson

Executive Director

Current Problems, Inc

PO Box 357098

Gainesville, Florida 32635

aar@current problems.org

352-264-6827

Coco Needs Your Help!

Gainesville Cockatiel Rescue is a small bird rescue with most of the money coming out of their own pocket. Last year they took in a group of 20 cockatiels. 18 of these birds became healthy with time and found homes.

The last bird requiring vet care is Coco. They have spent over $250 so far to try to find out what is wrong with him. He was finally X-rayed last friday and there is something in his lungs (not sure what yet, waiting to hear back from the vet).

If you are in a position to help in any way please visit the Gainesville Cockatiel Rescue website.

HUD Just Released the new loan limits for FHA, Fannie and Freddie

As a result of the Economic Stimulus Act of 2008, the FHA loan limits for Alachua County have just been increased to:

271,050 for a single family home

347,000 for a two family home

419,400 for a triplex

521,250 for a quad

The FHA (Federal Housing Administration) does not make loans but rather insures loans made by private lenders.

This is a temporary measure, set to expire 12/31/08.

Foreclosure Relief Loan

Please pass this on to anyone you know who may be facing foreclosure.

Everyone facing foreclosure needs to know about this program that is offered through the government. We do not know how long this is going to last but it is here now to help people that are facing foreclosure.

A foreclosure relief loan is a refinancing option that gives homeowners with non-FHA adjustable rate mortgages (ARMs), current or delinquent and regardless of reset status, the ability to refinance into a FHA-insured mortgage. With Foreclosure Relief, the lender will not automatically disqualify you because you are delinquent on your loan, and the lender may offer you a second mortgage to make up the difference between the value of your property and what you owe.

WHO IS ELIGIBLE? So long as you have sufficient income to make the mortgage payment, you are eligible for a foreclosure relief refinance. If you are delinquent, the default must have been due to the payment shock of an interest rate reset or, in the case of an Option ARM, the "recasting" of the mortgage to fully amortizing.

To complete the application for FORECLOSURE RELIEF loan, you can call Suzie O'Conner with Achievable Mortgages at 352-486-4687, or email suzie@achievablemortgages.com.

Court Invalidates HUD Rule on Down Payment Assistance

AmeriDream Leads Successful Legal Effort To Protect Homeownership

GAITHERSBURG, Maryland (March 5, 2008) - In a momentous ruling for potential home buyers, a U.S. District Court Judge today invalidated the U.S. Department of Housing and Urban Development’s October 1, 2007 regulation prohibiting seller-funded down payment assistance, basing his ruling on “the seriousness of the final rule’s deficiencies.” As a result, HUD may not implement the regulation as proposed, which would have deprived thousands of aspiring home buyers, most of them low and middle-income, of a proven mechanism for purchasing their own home. HUD has been unable to implement this rule since October due to AmeriDream’s efforts. For a copy of the ruling, click here.

“Today’s decision goes far beyond previous Court rulings and essentially sends HUD back to square one,” said Ann Ashburn, president and CEO of AmeriDream, Inc., the down payment assistance provider that filed suit against HUD. “By determining that HUD violated federal law in adopting this regulation, the Court dealt HUD a serious blow, one that we hope prompts the agency to reconsider its position toward down payment assistance providers.”

AmeriDream was joined in its opposition to the HUD rule by members of Congress from both sides of the aisle, the Mortgage Bankers Association, the U.S. Conference of Mayors, the National Association of Counties, the National Association of Home Builders, the National Urban League, and over 14,000 individuals and families nationwide who sent comments into HUD, as well as others.

“We look forward to continuing our work with lending partners to provide Americans with an important resource to help them purchase a home,” said Ashburn.

Charitable down payment assistance funded in part with seller participation has allowed homeownership to grow without using taxpayer dollars. To date, more than one million families and individuals have utilized this down payment assistance, generating nearly $10 billion in home equity between 2000 and 2005. AmeriDream has provided more than 200,000 gifts to aspiring homeowners, 80% of whom were first-time homebuyers. AmeriDream has helped educate 60,000 homebuyers through homebuyer education courses, and helped 1,200 homeowners retain their homes when confronted with mortgage difficulties, and has committed over $30 million to affordable housing development in local communities.
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The Animal Rescue Site Needs Your Help!

Hi, all you animal lovers. This is pretty simple... Please tell ten friends to tell ten today! The Animal Rescue site is having trouble getting enough people to click on it daily to meet their quota of getting free food donated every day to abused and neglected animals. It takes less than a minute (How about 20 seconds) to go to their site and click on the purple box 'fund food for animals' for free. This doesn't cost you a thing.

Their corporate sponsors/advertisers use the number of daily visits to donate food to abandoned/neglected animals in exchange for advertising.

Here's the web site! Pass it along to people you know.

http://www.theanimalrescuesite.com/

This is not a hoax and verified to be true by SNOPES.COM Urband Legend Pages

Florida's Strong Job Market is Expected to Accelerate

Our state’s increasingly diverse economy continues to outperform the nation as a whole in terms of labor outlook.

“Our projections indicate employment growth will pick up in 2008 as we put 2007 behind,” said Sean Snaith, director, Institute for Economic Competitiveness, University of Central Florida, Orlando. “While the U.S. economy slows, Florida continues to grow. Some of the state’s major metro areas, including Orlando, Tampa Bay and Jacksonville, will be at the top of the list in terms of employment growth through 2010.”

The institute’s figures predicted Florida would end 2007 with a 1.7 percent increase in new jobs, slightly above the U.S. average of 1.4 percent. In 2008, Florida will see a distinct pickup in economic activity with a 2.1 percent job increase – nearly double the 1.2 percent projected for the U.S.

For the 12-month period ending in July, Florida’s economy added approximately 184,000 new jobs, with the strongest growth occurring in the professional and business services sector. State labor statistics indicate Florida’s total non-agricultural employment rose to nearly 8.1 million in July 2007, compared with 7.8 million in July 2006.

Economist Hank Fishkind, president, Fishkind and Associates in Orlando, agrees that Florida’s job market is fundamentally strong. “Outside of the construction industry, Florida is generating a significant number of new jobs, particularly in leisure and hospitality, healthcare, trade and education.”

With a growing consumer market, an expanding talent pool, a supportive government and a strong asset base, Florida offers an attractive environment for business growth. The state had 12 cities named to Economy.com’s Business Vitality Index – more than double the number of leading cities in any other state.

Gainesville one of the top Seven Place to Retire During and Economic Downturn

SmartMoney.com has just named Gainesville one of the top seven places to retire during an economic downturn, and we have the University of Florida to thank for our thriving economy, (as compared to the rest of the country.) Retirees are attracted to our excellent medical care offered through UF and local amenities that you'd expect in a much larger city. But the biggest perk for retirees in Florida isn't the warm weather but the lack of income tax!

Read the full article here:


Link to Full Article

Amendment 1 Has Passed. Now What Should You Do?

What you should do to receive benefits of Amendment 1

Citizens voted January 29th to change the property tax system in Florida. To receive some of the benefits of the changes enacted January 29th, certain citizens must take action by March 1, 2008.

The Constitutional amendment created four new opportunities for taxpayers to obtain tax relief:

Increased homestead exemption
Portability of “Save our Homes” benefit
$25,000 exemption for tangible personal property
10% annual assessment limitation for non-homestead property
What taxpayers must do to receive these new benefits:

Increased homestead exemption - Homeowners that are currently receiving the homestead exemption will automatically receive the increased homestead exemption. No action is necessary.

Portability of “Save our Homes” benefits - If you received the homestead exemption in 2007 on a home that you sold or otherwise abandoned during 2007 and have purchased a new home by January 1, 2008, you are eligible to take some or all of the benefit of “Save our Homes” to your new home. In order to receive this benefit, you must apply by March 1, 2008 to your property appraiser for your new homestead exemption and for the transfer of the “Save Our Homes” benefit to your new homestead for 2008.

$25,000 exemption for tangible personal property - Tangible personal property taxes apply only to certain taxpayers in Florida - typically businesses and certain owners of mobile homes. The tax does not apply to homesteaded property. In order to receive the $25,000 exemption for tangible personal property, taxpayers subject to the tax must file a tangible personal property return with their property appraiser by April 1, 2008.

10% limit on annual assessment increases for non-homestead property - The 10% limitation does not apply until next year. No application is necessary for 2008.
If you have any questions about what action you must take to receive these new benefits, please contact your local property appraiser. For information on how to contact Florida's property appraisers, go to http://dor.myflorida.com/dor/property/appraisers.html.

Florida's Strong Population Boost Strong Demand for Housing

As one of the fastest growing states in the nation, Florida’s population is expected to increase by 325,000 in 2008, spurring demand for working-age and retirement housing.

“Florida remains a prime destination for workers seeking new jobs and for the growing wave of baby boomers,” said economist Hank Fishkind, president of Fishkind & Associates in Orlando. “However, a slower national economy means that 2008 growth will be somewhat below the levels seen during the recent boom years.”

Fishkind’s analysis of demographic data indicates Florida enjoyed a net population growth of 350,000 each year from 2000 to 2006. That includes about 203,000 people who moved to Florida from other states, about 107,000 migrants from foreign countries and about 47,000 from natural increase (total births minus total deaths).

“It’s important to note that this is net growth,” added Fishkind. “The actual number of people who move to Florida each year is far greater.”

On the domestic side, the strongest “sending” states are New York, New Jersey, Illinois, Ohio, Pennsylvania, Georgia, Michigan and California. Among top foreign countries are Venezuela, Puerto Rico, the United Kingdom and Canada.

“Florida has a long history of population growth regardless of the nation’s economic cycle,” said Nancy Riley, a broker with Coldwell Banker Residential Real Estate in Pinellas County and the 2007 president of the Florida Association of Realtors® (FAR). She added that Florida has been one of the top ten fastest growing states for seven decades in a row, exceeding the U.S. average by 100 percent since 1970.
In fact, the U.S. Census Bureau projects that in 2010 Florida will surpass New York and become the nation's third most populous state. By 2030, the Census Bureau projects the state’s population will reach 28.6 million, an increase of 12.7 million since 2000.

One reason for that growth is that the state’s highly diversified economy continues to attract jobs in tourism, technology, international trade and business services. That brings in individuals, couples and families in their 20s to 50s, primarily to Florida’s larger metropolitan areas.

In addition, Florida traditionally captures a large share of the domestic retiree market, ranging from highly affluent entrepreneurs and executives to moderate-income couples seeking a warm-weather destination with plenty of recreational opportunities.
According to the Census Bureau, there are 76 million baby boomers born between 1946 and 1964. If only 5 percent retire to Florida, that alone would add 3.8 million new residents.

International buyers provide a third stream of migration into Florida, including working-age professionals, retirees and affluent second-home buyers.

As Riley said, “The bottom line is that more than 900 people move to Florida every day. That provides a solid foundation for our state’s residential real estate market.”