Aren’t we pushing it just a bit?

Well…Thanksgiving as a holiday seems to be fading into oblivion…The Hallmark Channel started running Christmas movies November 1 and now, instead of waiting for the traditional “Black Friday“, many retailers are opting to join those retailers who saw favorable sales last year by opening on Thanksgiving evening and starting their Black Friday deals on Thursday!

Whatever happened to the traditional Thanksgiving?  No stores open for shopping except a few grocery stores so that you can pick up that can of cranberry glob that everyone serves and i’ve never seen anyone eat!  Now Wal-Mart, which is always open, will start their Black Friday deals at 6:00 p.m., Macy’s is opening some stores, Target and Kohl’s as well.  Is it really the wave of the future?  I know there has been some panic because of the late date of Thanksgiving this year (the 28th – Happy Anniversary Mom and Dad – 51 years! and Happy Birthday to my cousin Angie who was born the day my parents married!) only leaves 3 weeks between the holiday’s, but it seems that we are trying to wipe Thanksgiving off the calendar!  Maybe it’s the turkey’s idea…hmm, something to think about!

Will you be shopping on Thanksgiving?  Are the deals really worth it?  Would love to hear from you!  Me…I’ll be watching movies and lounging…in my very best sweats!

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Vicki Reed

I know it’s not sexy…but do you know about the new FEMA Flood Insurance Rates?

Effective October 1, Federal Emergency Management Agency or better known to most of us as FEMA has come out with new maps and rates for homes in flood plains…now did you hear anything about this?  I didn’t and I’m a Realtor!  I have a Seller, home sold the weekend it went on the market, ready to close last week when the buyer finds out from their lender that they are required to have flood insurance…okay, so we’re thinking $1,000 a year or so…no, it’s $5,000 per year and may go up every year!  Are you kidding me???????

This home has not flooded…ever, it’s a beautiful brick Tudor in Irvington, across the street from Ellenberger Park and the homeowner has NEVER carried flood insurance…and suddenly, my Seller’s plans are in jeopardy, the Buyers LOVE this home and now would have to add $416.66 to their monthly payment?  My Seller even offered $30,000 off contract to still take it and they declined!

So now I have this home to sell…again!  I’ve been l looking at what little information is available about these changes…there are people who paid $600 a year now being told it’s going to be $6,000 a year…this will create a huge foreclosure crisis as the average person isn’t able to suddenly start adding $400 – $600 per month to their mortgage payment…these are homes where the mortgage payment was likely only $700 a month, they are nearly doubled…could you find it in your budget to double your mortgage payment?

The good thing about this property is that it is in a very desirable area and since re-activating the property on Friday I’ve had 6 calls and 2 showings, but I’ve had to include information on the flood insurance requirement if the Buyer is going to finance.  But what happens to those people who were carrying reasonably priced insurance suddenly faced with this astronomical increase.

Unfortunately, these changes went into effect October 1…the same time as the new Health Insurance Exchanges went active and all the hoopla surrounding it started as well as the Government Shut Down…where was MIBOR in all this?

I’m hosting a meeting on Tuesday in our office with an Insurance Agent who has graciously agreed to talk to us about the changes and what it means for homeowners who are ready to sell and those Buyers we hope to attract…but check it out before you decide to buy or sell a home!

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Vicki Reed

First Friday…huh?

Any idea what First Friday is?  What about IDADA?

Well, IDADA is the Indianapolis Downtown Artists and Dealers Association and the First Friday of each month, they sponsor The IDADA First Friday Art Tour.  This is IDADA’s longest-running program.  It is a free, self-guided tour that happens on the first Friday of every month and that is open to the public.  The tour includes artist studios and art galleries that are members of IDADA and located in the downtown area.  The IDADA First Friday Art Tour venues open their doors from about 6:00-9:00pm (or even later in some locations) to allow people to see their artwork.  There is no distinct beginning or ending point to the tour—people are encouraged to hop from studios to galleries as they please!  Each month, IDADA publishes a brochure that is available at participating locations and that is also available on the IDADA website.  The brochure includes a map of all of the IDADA First Friday venues as well as an alphabetical listing that explains what is going on at each venue.

I was fortunate to have been invited to attend a special showing for my friend and fantastic artist Patty Coulter  last Friday.  Patty had entered a contest last Fall to design a special edition wine label for Mallow Run Winery...and she won and Mallow Run Winery sponsored a showing of her work during First Friday!  Her beautiful design is on the Impression Pinot Grigio – LIMITED EDITION LABEL

An instant palate-pleaser with rich flavors of ripe peach and pear and a lingering finish of refreshing grapefruit. Perfect with grilled fish, or try it with spicy chicken enchiladas. Label artwork by local artist Patty Coulter, in a proud partnership with the Greater Greenwood Arts Council; proceeds from the sale of this great wine will be donated to promote artists and art awareness in the community.

Patty is a woman of many talents, she also owns and operates Spectrum Flooring Services in Greenwood.  Spectrum Flooring Services was founded in 2005 on the premise that quality flooring, backed by full manufacturer’s warranty and expert worry-free installations, could be sold at a minimum markup, in sufficient volume to be profitable.  They consistently live up to that that philosophy and their business and experience is strong.  In addition to being a fantastic artist and business woman, Patty is an expert Interior Designer and Stager.  If you need flooring, try Patty and Spectrum, you will be happy.

Are you ready for a new home for that flooring?  Need new carpet before we put your home on the market?  Let’s talk!

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Vicki Reed

Chivalry isn’t dead…but sometimes it’s snoozing…

Remember when men would open and hold doors for women?  Heck, just when anyone would?  I had a great experience this morning that shows me that my Wish # 3 is working!  Just to refresh, Wish # 3 was that everyone remember to be human, not just during the holiday season, but all year long.

Our office building has an exterior door, a vestibule and open stairs coming from the second floor and then another door to enter the first floor of the building and elevators.  As is usual, I’m coming in from the parking lot with a rolling computer bag, another bag on top of that for my BOLD (Business Objective Life by Design) class, and my purse and coffee (yes, I know, too much stuff!  At least with the rolling bag I no longer feel like a pack mule!) and a very nice man had just come down the stairs to leave the building, held the door for me THEN came around me and held the door into the lobby for me as well before he left the building!  He didn’t have to do that, went out of his way to assist me in entering the building…THANK YOU!  This small kindness helped get my day off to a great start.

What have you done for someone else today?  Me?  Well, today I fought for my client and won!  It really wasn’t  huge, we had the final walk-through today before closing on Friday and discovered that the homeowner had removed the chandelier that was in the property when we made the purchase and replaced it with a “builder’s brass” one…they are re-installing the light they removed and my client is happy.  Want a Realtor who will fight for you?  Call, email or text me!

Now…go out and do something nice for someone!

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Vicki Reed