Monday, December 13, 2010

Letter from my Niece

LETTER FROM MY NIECE, she is in 6th grade:

Dear Charlotte-Mecklenburg School Board,

This morning at school I was informed that this year I will be having a Social Studies EOY. I don’t think this is a worth while test; I have many reasons to believe this I hope you recognize this and take them into consideration.

Budget Cuts: This year our school system has had severe budget cuts, it’s no secret, some of my teachers even have had to practically beg students to bring in copy paper. Making all those test booklets and bubble sheets doesn’t come cheap. Every year Americans spend millions to make those tests, you’re just adding to that.

Effectiveness: Standardized Tests aren’t all there cracked up to be. Standardized tests (especially the multiple-choice variety) give a false impression of objectivity and consequently of equal opportunity and fairness. (homepage.ericom.net). Aha… all of the CMS standardized tests I’ve taken are multiple choice and I expect that this one will be to, so is it really going to help.

Is Social Studies Worth It: OK so math and reading I understand we need those in our everyday life, but very few occupations need Social Studies. The top ten US jobs don’t require social studies. Now just imagine have you ever been in the grocery store and the cashier told you, you couldn’t buy your food unless you explained the feudal system.

I hope this information gave you some student insight on this upcoming Social Studies EOY.

Sincerely,



Clara Leonard
6th Grade
Crestdale Middle School

5 Tips for BBQing Chicken

Do you burn your chicken on the outside while the inside stays raw?  Read This


5 Top Tips for BBQing Chicken

1. Use a meat thermometer

Using a meat thermometer is the best way to cook the chicken to perfection. Chicken thighs should be cooked to 165 degrees Fahrenheit and chicken breast should be cooked to 160 degrees. Make sure the thermometer is inserted into the thickest part of the chicken and not touching any bones.

2. Consider Brining

Brining improves the chicken’s flavor making it juicy and deliciously tender. However, if  you’re short on time, skip this step and season the chicken generously with salt and pepper before cooking.
Important Note: Chicken that has been brined browns faster and you’ll need to careful it doesn’t burn.
Simple brine recipe:
  • 6 tablespoons of salt
  • 1 quart of cold water
Dissolve salt into water in a gallon zip-lock bag. Add chicken, remove air and seal. Refrigerate for about 1.5 hours.

3. Use a good BBQ rub

Rubs give plenty of flavor without the burning risk of BBQ sauces. As much as we love BBQ sauce, and we really do… it’s best applied in the last couple of minutes as a general rule.
Apply the rub generously to all the chicken pieces, try to run as much under the skin as you can.
Simple spice rub:
  • 2 tablespoons ground cumin
  • 2 tablespoons curry powder
  • 2 tablespoons chili powder
  • 1 tablespoon ground allspice
  • 1 tablespoon ground black pepper
  • 1 tablespoon ground cinnamon

4. Apply BBQ sauce at the end

The sugar in BBQ sauce will cause it to burn if it’s applied too early. You want to smother the chicken in the sauce during the last 2 minutes of cooking. Bush the chicken with sauce, cook for about 1 minute, turn over, brush again and cook 1 more minute. Before serving, brush the chicken with more BBQ sauce. I like to have even more sauce at the table for dipping.
You should plan on using about 1/2 cup of BBQ sauce for about 8 thighs (not including any sauce you have at the table).

5. Sear first, then cook at a low heat

This creates a delicious browned exterior while keeping the inside from over cooking.
Set up the Grill with one side on High and the other on Med-Low, or bank the coals mainly on one side for a charcoal BBQ.
Starting on the hot side of the grill, sear the chicken for 1 to 2 minutes on each side. Be very vigilant during this period, you don’t want the chicken to burn, and if you get any flare ups, move the chicken to a different area of the grill.
Move the chicken pieces to the side with lower heat and finish cooking. If you’re cooking chicken breast it works best to close the lid, this helps the interior cook faster, so it is done before the exterior starts to burn.

Tuesday, December 7, 2010

Does making Two House Payments at once frighten you?

 CONTINGENCY CONTRACTS TAKE THE FEAR OUT OF HOME BUYING


We all know that buying a home is an experience that can raise many concerns. Not the least of which is “What happens if I can’t sell the home I already own?” Well, if you are looking at homes for sale in the Kingsport area, Windsor Aughtry Company has the answer. We offer special contracts contingent on your home selling so that you don’t have to worry about being stuck with two places to live.

This offers you the opportunity to reserve the lot you wish to live on with no risk at all. You will meet with one of our sales agents who will help you create the home you want. You can choose your floor plan, carpet, paint, even the kitchen sink. It’s all up to you.Our willingness to work with our homeowners is what has made us one of the Souths most successful builders of single family homes for over twenty years. 

We love building at the Edinburgh because it reminds us of one of those old fashioned neighborhoods, where everyone knew their neighbor. The Edinburgh embraces all the best qualities of America's classic neighborhoods but without the congestion of being downtown. It is just minutes from the Tri Cities airport, and it surrounds Kingsport's award winning elementary school, John Adams Elementary.

Please contact Eric Kistner with Keller Williams to get started on building the home you have always wanted to live in. 423-218-2008 or check out the website at EdinburghCommunity.Com, and register for our informational New Home Buyers Guide.

Tuesday, November 23, 2010

How Rising Interest Rates Will Impact Affordability

How Rising Interest Rates Will Impact Affordability

John Adams Wins Architecture Award

John Adams Elementary recognized for architectural design

The newly constructed Kingsport city school is recognized as the 2010 School of the Year for Excellence in Architectural Design.

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Opened in 2009, John Adams Elementary is the first newly constructed city elementary school in a decade.The 500-student school was designed by BargeWaggoner, Sumner & Cannon andDLR Group, with the architectural concept developed through a collaborative process involving parents, students, teachers and community members. Located in the Rock Springs Community in the Edinburghsubdivision, John Adams Elementary currently has an enrollment of 250 students in grades Pre-K through 5.
The two-story facility includes an open floor plan of classroom “neighborhoods” that can be divided into four separate classes in each grade level. The school features a full-size gymnasium, a multi-level library including a story tower, and a community room for multi-purpose use. John Adams Elementary was designed to be an environmentally friendly school, with a geo-thermal heating and cooling system along with other energy-efficient architectural and design features.
“We are pleased that John Adams Elementary has been recognized for its outstanding architectural design,” said Kingsport City Schools Superintendent Dr. Richard Kitzmiller. “The design process for the school truly exemplifies a collaborative effort; dozens of parents, community members and staff members generated design elements incorporated in the building. We share this award not only with students, parents and staff ofJohn Adams, but also with the entire Kingsport community.”   
The Tennessee School Boards Association recognizes architectural firms for their excellence in design.School of the year awards are granted in five categories including new school construction of elementary, middle, and high schools, renovation and the People's Choice Award, which is selected by the attendees to the exhibit hall during the annual TSBA convention.
“It is extremely gratifying to have our talents and efforts recognized on the state level.  I am very proud to have been a part of the team that provided such a unique and wonderful new school for my home town,” addedTerry Cox of Barge, Waggoner, Sumner & Cannon.

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Letter from Our Chairman

Friends,

As most of you know, The Edinburgh has been a labor of love for my family for a little over 4 years. We have witnessed not only less than expected returns, but one of the worst real estate markets of our generation. But, we have met many great people and watched the construction of the award winning John Adams Elementary School. It has been a long, strange journey.

Today, however, is the start of new beginnings at The Edinburgh. Last month, we sought and received approval from the city to begin Phase 2. We have started construction on 29 new homesites and have been blessed beyond belief to sell 9 of them before we even built the road.
More than 300 families will eventually enjoy Edinburgh for its centralized location in the Tri-Cities and its limitless views and its wide variety of amenities. We understand that for Edinburgh to continue on its march to become the largest community in the history of the Upper East Tennessee, the new Valley District must be the best product of its kind on the market. And that is our aim.
Through the years, many of you have remarked “we love The Edinburgh, but we just cannot afford it" and we desperately want to change that. We understand that the Edinburgh must be priced to reflect the current market.
The new Valley District includes everything that makes Edinburgh great- and it is an extraordinary value. It rests on a dramatic plateau featuring level lots, new craftsman architecture and a host of available upgrades. Best of all, the Valley District of Edinburgh will be affordable for many.

We have partnered with our Preferred Builders to reserve 8 lots on Edinburgh Channel Road at more affordable prices. These Three- and four bedroom houses are available starting at just $179,900. And with 100 percent financing, payments are less than $900. We have already pre-sold one of those eight, if you know anyone who is interested in Edinburgh, but thought it was unaffordable, please forward this message.
You spoke. We listened.

Dan




Really get to know the Edinburgh Community 

with a personal tour


With a new home on your mind, maybe it’s time to put The Edinburgh to the test and come for a visit. Remember, we’re just 9 minutes from Downtown, the airport and other great amenities.
And we have the right home style for you from town homes, cottages and bungalows to larger lots, homes and custom floor plans.  
Style?  Think craftsman with an contemporary twist…  Think wide front porches, open floor plans, and authentic architectural details. 
Our builder group is some of the best in Upper East Tennessee – and the country.  Every Edinburgh home comes with a builder warranty, which means you will save money in the long run.  
Its a great time to visit... come on out and see us!
 
Sincerely, 

Eric Kistner
Director of Sales and Marketing
PS: Click or call us at 423-218-2008 to schedule a visit this weekend.

We would like to send you future emails about life at the Edinburgh. 


      
 



  



Monday, November 22, 2010

Think you're ready to buy a home?

Get your house in order before you start shopping. Here's what you need to do, and when.

By Liz Pulliam Weston of MSN Real Estate

  (© © Corbis)


Buying a home is a complicated process, and it can be particularly daunting for the first-timer.

The following timeline starts one year before you hope to start seriously shopping for a home. This is an ideal; you can arrange your finances and buy a home in less time, if necessary, but you'd be smart to walk through all of the steps in order. The more time you give yourself for this process, the better.

A year out (or as soon as possible)

Get your credit reports. Errors on your reports can force you to pay a higher interest rate on your mortgage or even torpedo your chances of getting a loan. You can get free copies of your reports from the three major credit bureaus — Equifax, Experian and TransUnion — atAnnualCreditReport.com. Look for accounts that aren't yours, collection accounts for debts you don't owe and negative marks (other than bankruptcy) that are older than seven years.

Get — and improve — your FICO credit scores. Your credit scores, which are three-digit numbers used to gauge your creditworthiness, help determine the rates and terms you can get for a loan. There are hundreds of different credit-scoring formulas, but the one used by the vast majority of mortgage lenders is the FICO.

Consider a credit-monitoring service. Normally, I think these are a waste of money for folks who aren't at high risk of identity theft. But given how important your credit and credit scores will be in buying a home, you might appreciate the early warning if a collector tries to post a bogus debt.


Save, save, save.
Stop eating out. Drop your cable-TV subscription. Do everything you can think of to put as much money aside as possible, using your desire to be a homeowner as a motivator. (Read "
Could you stop spending for a month?" for inspiration.) In today's market, it's best to have at least a 5% down payment; boost that to 10% and you'll have even more financing options. Ideally, you'll also have enough left over after you get your mortgage to cover the payments for two or three months.
Deal with your debt.
Most people needn't pay off their student loans, auto loans or other generally low-rate debt before getting a mortgage. What you want to eradicate is "toxic" debt: credit-card balances and payday loans. These are signs you're living beyond your means. If you don't get your overspending problem fixed before you buy a home, your problems likely will get worse because homeownership typically involves plenty of big costs (property taxes, insurance, maintenance, repairs, improvements, decorating). Get your act together before you house shop.

Put your bills on automatic. A single 30-day late payment can knock 100 points off your score, and it can take many, many months to recover. Make sure every bill gets paid on time. If you don't have a reliable bill-paying system, consider using automatic debits, so payments come directly from your checking account, or an online bill-payment system's recurring-payment feature.

6 months out

Sort through your mortgage options. A lot of people are losing their homes today because they didn't understand what kind of mortgage they had or they accepted bad advice. The low teaser payments that allowed them to buy a more expensive house have jumped skyward, leaving them unable to pay. It's up to you to understand the risks of the different types of mortgages and to select the right one for your family. My 2 cents: Stick with traditional, fixed-rate mortgages. If you can't commit to a 30-year version, at least use a hybrid loan with a rate that's fixed for as long as you plan to own the home.

Research all the costs of owning a home. Your mortgage will be just the start. You'll have to pay property taxes and insurance on the home. There may be homeowners- or condo-association fees as well. You may face higher utility bills, and you'll take on maintenance and repair costs as well. Decorating your new house can cost a pile of money as well: Have you shopped for window coverings lately? Your home-owning friends and a friendly real-estate agent or two can help fill you in so you know what to expect.

Adjust your saving strategies. What you've learned so far may inspire you to boost your savings. A bigger down payment, for example, can result in a larger home or a lower mortgage payment. Or you may simply want to build up your emergency fund so unexpected home expenses don't knock your finances off the rails.

3 months out

Reduce your credit utilization. The FICO scoring formula is sensitive to how much of your available limits you're using on your credit cards and other revolving lines of credit. The less, the better. It doesn't matter if you pay your balances in full every month; the figure the scoring formula typically uses is the balance that shows on your most recent statement. Try to keep that balance below 30%, or even lower. If you can't — because you charge a lot for work-related travel, for example — make a payment before the statement's closing date to reduce the balance reported to the bureaus. Just be sure to make a second payment after the closing date, so you don't get reported as late.

Don't open or close any accounts. Until the mortgage process is completed and you've moved into your new home, continue to avoid actions that could potentially harm your credit, such as opening credit accounts or closing old ones.


Get an idea of the mortgage rate you can expect.
Order a fresh set of FICO credit scores — don't worry, checking your scores doesn't ding them — and talk to some mortgage lenders about what rates you might qualify for. (You'll find current national averages
here.) Don't apply yet or give permission for your credit to be pulled; you just want to get a feel for what you can expect.
2 months out

Understand the effect of mortgage-shopping on your score. You want to get the best rate and terms possible, which means you'll need to shop around, but how does that affect your credit score? Here's the lowdown: Every time you give a lender permission to check your credit, a "hard inquiry" appears on your credit report, and that can ding your score a bit. Fortunately, the FICO scoring formula lumps all mortgage-related inquiries made within a specified period and counts them as one. (The period used to be 14 days, but the most recent versions stretch that to 45 days.) Furthermore, the scoring formula ignores any inquiries made in the previous 30 days. So you want to do your serious mortgage shopping in a fairly concentrated period of time, typicallyafter your offer on the home you want is accepted.

Get approved for a mortgage ahead of time. Pre-approval, in which a lender gives a commitment to make you a loan, is different and more valuable to sellers than pre-qualification, which merely gives you an idea of the size of the mortgage you might afford without making any commitments. You don't have to get a loan from the lender that offers you a pre-approval letter. Getting a pre-approval does involve giving permission for a hard credit inquiry, but the small potential ding on your credit is worth it because you'll be in a stronger position with sellers.

Consider a mortgage broker. Once your offer is approved, you can shop for a mortgage on your own, but if you want a lot of hand-holding through this process or your credit is particularly troubled, you might benefit from the services of an experienced, ethical mortgage broker. Get referrals from family and friends; you can also get a referral from the National Association of Mortgage Brokers.

Begin researching neighborhoods and look for an agent. Check Internet listings, attend open houses and find an experienced guide to help you refine what you're seeking.

Once you've found your home and your offer is accepted

Shop for a mortgage. There are thousands available, and sorting through the possibilities can be overwhelming. That said, you may want to include some of the biggest national mortgage lenders, local lenders and online brokers. You'll need to move fairly quickly to secure the loan, because the full approval process typically takes four to six weeks.

Arrange for an appraisal, a home inspection and a walk-through. The appraisal is required for your loan to be approved. An inspection isn't necessarily required, but don't skip this essential step, which can alert you to serious problems before the deal closes. The walk-through is usually done within 24 hours of the deal closing, so you can make sure that the home sellers have performed any agreed-upon repairs and the place is in move-in condition.

Get homeowners insurance. Mortgage lenders require this coverage, and you'll need to prove you have it at closing.

Confirm how much money you'll need at closing. "Closing" is when you sign all the paperwork and pay agreed-upon amounts, which can include your down payment and your share of legal fees, paperwork costs, property taxes and title insurance.

Enjoy your new home!

Monday, November 15, 2010

8 Tips for Finding Your New Home

8 Tips for Finding Your New Home

A solid game plan can help you narrow your homebuying search to find the best home for you.

1. Know thyself. Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors? Where have you searched for new homes in Kingsport? Have you been to the Edinburgh?

2. Research before you look. List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price. Then hop onto REALTOR.com to get a feel for the homes available in your price range in your favorite neighborhoods. Use the results to prioritize your wants and needs so you can add in and weed out properties from the inventory you’d like to view.

3. Get your finances in order. Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.

Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.

4. Set a moving timeline. Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines. A new home in Edinburgh, Kingsport, can be constructed in 120 days.

5. Think long term. Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.

6. Work with a REALTOR® Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.

Also ask if the agent specializes in buyer representation. Unlike listing agents, whose first duty is to the seller, buyers’ reps work only for you even though they’re typically paid by the seller. Finally, check whether agents are REALTORS®, which means they’re members of the NATIONAL ASSOCIATION OF REALTORS®. NAR has been a champion of homeownership rights for more than a century.

7. Be realistic. It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.

On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues—like noise levels—that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.

8. Limit the opinions you solicit. It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.

Privacy Statement

Edinburgh Homes has developed relationships with our Customers based on enhancing the lives of our Customers and acting with the utmost integrity. We're aware of the confidence you demonstrate when you provide us with personal information. The Privacy Notice below is posted to demonstrate our adherence to the practices you'll find common to the best websites online. We will treat your information with the same integrity and sensitivity that we have displayed throughout our company's history.

Edinburgh Homes respects the privacy of every individual. If you give us personal information, we will treat it according to this Policy. Your e-mail address is obtained for internal purposes only (as they relate to marketing and sale of Edinburgh Homes properties) and will not knowingly be sold or shared with any unaffiliated third party.

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