Bayberry Candle Tradition on New Years Eve
Happy New Year and following is a poem that is used in conjunction with burning Bayberry Candles. Some burn the candles on Christmas Eve and others on New Years Eve. We burned our candles on New Years Eve.
This Bayberry candle comes from a friend. So on New Years Eve burn it down to the end. Because a Bayberry candle burned to its socket, brings good luck, good health and wealth to your pocket.
Showing posts with label Prudential Real Estate. Show all posts
Showing posts with label Prudential Real Estate. Show all posts
Monday, January 01, 2007
Thursday, December 28, 2006
NEW LISTING
Almost 2 acres and 2400 sq. ft. located in the historic town of Aaronsburg, PA.
Large 4 bedroom farmhouse with impressive country kitchen complete with fireplace. Center hall entry that leads to a large dining room with another fireplace. Very large rooms complement the 2400 sq. ft. of living space. The home is perched on a hill with lovely views of Aaronsburg.
Tuesday, December 19, 2006
A quick look ahead into the 2007 crystal ball and a quick look back in time.
One more reason to BUY a home. Did you know that according to the new 2005 American Community Survey analysis of data released in October by the U.S. Census Bureau the real cost of renting a home increased by 6.7% from 2000 to 2005. A quick survey of several cities showed Detroit +22.5%, San Diego +27.2%, and Dallas -3.0%. Home ownership not only provides the potential for substantial equity appreciation, but the ability to offset some income by filing itemized deductions on your annual taxes. Items related to home ownership that may be itemized on Schedule A include mortgage interest, points paid on a new loan, some home improvements including insulation for 2006, and property taxes,
Non deductible expenses include private mortgage insurance, property insurance, homeowners association dues, local assessments such as sidewalks to improve your neighborhood, and every day homeowner repairs.
Mortgage brokers believe that 2007 will bring an additonal crush of borrowers refinancing their exotic mortgages or borrowers jumping from a variety of ARM's to more traditional loan products while the rates are still at historical levels. Who knows what the FED will do next year? Looking back to January 2006 most experts thought that rates would rise steadily throughout the year. And they did for about half the year and then rates surprisingly fell back to the historic levels that they maintain today.
Industry experts believe as they did twelve months ago that interest rates will rise steadily throughout 2007. But will they rise in the short term and level off for the balance of the year? Will they gradually rise month after month ending the year at a high unseen in recent years? The fact remains that nobody knows what will happen with interest rates in 2007. It is possible that rates could fall in 2007.
So the question becomes - should I buy a house in 2007 or should I wait? The answer is simple. If you have the inclination and the resources to buy don't wait. Interest rates are at historically low levels. Property values in Centre County have fallen a bit in recent months. The chances are pretty good that prices won't go much lower. Even if they do and you buy a home, the annual rate of appreciation in the Centre Region will offset any short term price fallback.
One more reason to BUY a home. Did you know that according to the new 2005 American Community Survey analysis of data released in October by the U.S. Census Bureau the real cost of renting a home increased by 6.7% from 2000 to 2005. A quick survey of several cities showed Detroit +22.5%, San Diego +27.2%, and Dallas -3.0%. Home ownership not only provides the potential for substantial equity appreciation, but the ability to offset some income by filing itemized deductions on your annual taxes. Items related to home ownership that may be itemized on Schedule A include mortgage interest, points paid on a new loan, some home improvements including insulation for 2006, and property taxes,
Non deductible expenses include private mortgage insurance, property insurance, homeowners association dues, local assessments such as sidewalks to improve your neighborhood, and every day homeowner repairs.
Mortgage brokers believe that 2007 will bring an additonal crush of borrowers refinancing their exotic mortgages or borrowers jumping from a variety of ARM's to more traditional loan products while the rates are still at historical levels. Who knows what the FED will do next year? Looking back to January 2006 most experts thought that rates would rise steadily throughout the year. And they did for about half the year and then rates surprisingly fell back to the historic levels that they maintain today.
Industry experts believe as they did twelve months ago that interest rates will rise steadily throughout 2007. But will they rise in the short term and level off for the balance of the year? Will they gradually rise month after month ending the year at a high unseen in recent years? The fact remains that nobody knows what will happen with interest rates in 2007. It is possible that rates could fall in 2007.
So the question becomes - should I buy a house in 2007 or should I wait? The answer is simple. If you have the inclination and the resources to buy don't wait. Interest rates are at historically low levels. Property values in Centre County have fallen a bit in recent months. The chances are pretty good that prices won't go much lower. Even if they do and you buy a home, the annual rate of appreciation in the Centre Region will offset any short term price fallback.
Thursday, December 14, 2006
Thank you to the United States Armed Forces Around the Globe!
Those of you that know me know that I have the priviledge to coach a boys high school soccer team. When one has the opportunity to spend hundreds of hours with a group of kids during a four year span, you develop a certain bond with most of the kids that transcends sports and school. This morning I was standing in line to pay for a few things at a Convenience store when a tall guy grabbed me from behind. I whirled around to see a Marine in full dress staring down at me. As I turned I heard the words "Hey Coach." I was looking up at a former goalkeeper on our team and now a newly minted U.S. Marine.
What happened to that little boy I knew in youth soccer? Where did the young man go that spent so many hours goofin' on his coaches and teammates? The little guy is now a chiseled United States Marine. After I collected my thoughts I remembered that another member of the same team is now in the U.S. Army and left for Iraq about three weeks ago for a one year tour. I told the Marine to keep his Army teammate in his thoughts and as we departed I spent some time contemplating what a great country we live in. I remembered another teammate of their's that even as a sophomore would run around the field shouting Hoora! Hoora! We would break from the halftime huddle and he would always lead us in a big Hoora. Needless to say, he is now a United States Marine.
What makes America great? Its people I think. Its ideals as well. Without interjecting politics I can't imagine living anywhere else on the planet. We didn't go looking for a fight with terrorists. We didn't invade another country unprovoked. We don't sit around the Pentagon thinking of ways to burn billions of dollars just to see if the war machine still works. (Do we?)
What an amazing country we live in when there are still young people that are willing to volunteer to serve in the Armed Forces of the United States to serve and protect the freedoms of their families, friends and neighbors. They are not just good young men. They are the best kids from the nicest families. They come from all economic backgrounds and incomes. The kids are the cream of the crop. They have VOLUNTEERED to protect us. They are serving so I may take my young son to the wrestling matches he loves. They are serving so my wife and kids can vacation at the beach even if I am working. They are the best kids in America. I know. I've been around them for years.
I would like to thank them all and wish all of them godspeed and a healthy, safe return home.
Thank you all and in your honor I will post St. Crispin's Day to honor the Band of Brothers held so dearly by our soccer team over the years. This is for you.
What's he that wishes so? My cousin Westmoreland? No, my fair cousin; If we are mark'd to die, we are enow To do our country loss; and if to live, The fewer men, the greater share of honour. God's will! I pray thee, wish not one man more. By Jove, I am not covetous for gold, Nor care I who doth feed upon my cost; It yearns me not if men my garments wear; Such outward things dwell not in my desires. But if it be a sin to covet honour, I am the most offending soul alive. No, faith, my coz, wish not a man from England. God's peace! I would not lose so great an honour As one man more methinks would share from me For the best hope I have. O, do not wish one more! Rather proclaim it, Westmoreland, through my host, That he which hath no stomach to this fight, Let him depart; his passport shall be made, And crowns for convoy put into his purse; We would not die in that man's company That fears his fellowship to die with us. This day is call'd the feast of Crispian. He that outlives this day, and comes safe home, Will stand a tip-toe when this day is nam'd, And rouse him at the name of Crispian. He that shall live this day, and see old age, Will yearly on the vigil feast his neighbours, And say 'To-morrow is Saint Crispian.' Then will he strip his sleeve and show his scars, And say 'These wounds I had on Crispian's day.' Old men forget; yet all shall be forgot, But he'll remember, with advantages, What feats he did that day. Then shall our names, Familiar in his mouth as household words- Harry the King, Luke, David, Jake- Be in their flowing cups freshly rememb'red. This story shall the good man teach his son; And Crispin Crispian shall ne'er go by, From this day to the ending of the world, But we in it shall be remembered- We few, we happy few, we band of brothers; For he to-day that sheds his blood with me Shall be my brother; be he ne'er so vile, This day shall gentle his condition; And gentlemen in England now-a-bed Shall think themselves accurs'd they were not here, And hold their manhoods cheap whiles any speaks That fought with us upon Saint Crispin's day.
Those of you that know me know that I have the priviledge to coach a boys high school soccer team. When one has the opportunity to spend hundreds of hours with a group of kids during a four year span, you develop a certain bond with most of the kids that transcends sports and school. This morning I was standing in line to pay for a few things at a Convenience store when a tall guy grabbed me from behind. I whirled around to see a Marine in full dress staring down at me. As I turned I heard the words "Hey Coach." I was looking up at a former goalkeeper on our team and now a newly minted U.S. Marine.
What happened to that little boy I knew in youth soccer? Where did the young man go that spent so many hours goofin' on his coaches and teammates? The little guy is now a chiseled United States Marine. After I collected my thoughts I remembered that another member of the same team is now in the U.S. Army and left for Iraq about three weeks ago for a one year tour. I told the Marine to keep his Army teammate in his thoughts and as we departed I spent some time contemplating what a great country we live in. I remembered another teammate of their's that even as a sophomore would run around the field shouting Hoora! Hoora! We would break from the halftime huddle and he would always lead us in a big Hoora. Needless to say, he is now a United States Marine.
What makes America great? Its people I think. Its ideals as well. Without interjecting politics I can't imagine living anywhere else on the planet. We didn't go looking for a fight with terrorists. We didn't invade another country unprovoked. We don't sit around the Pentagon thinking of ways to burn billions of dollars just to see if the war machine still works. (Do we?)
What an amazing country we live in when there are still young people that are willing to volunteer to serve in the Armed Forces of the United States to serve and protect the freedoms of their families, friends and neighbors. They are not just good young men. They are the best kids from the nicest families. They come from all economic backgrounds and incomes. The kids are the cream of the crop. They have VOLUNTEERED to protect us. They are serving so I may take my young son to the wrestling matches he loves. They are serving so my wife and kids can vacation at the beach even if I am working. They are the best kids in America. I know. I've been around them for years.
I would like to thank them all and wish all of them godspeed and a healthy, safe return home.
Thank you all and in your honor I will post St. Crispin's Day to honor the Band of Brothers held so dearly by our soccer team over the years. This is for you.
St. Crispin's Day - Ye Band of Brothers
What's he that wishes so? My cousin Westmoreland? No, my fair cousin; If we are mark'd to die, we are enow To do our country loss; and if to live, The fewer men, the greater share of honour. God's will! I pray thee, wish not one man more. By Jove, I am not covetous for gold, Nor care I who doth feed upon my cost; It yearns me not if men my garments wear; Such outward things dwell not in my desires. But if it be a sin to covet honour, I am the most offending soul alive. No, faith, my coz, wish not a man from England. God's peace! I would not lose so great an honour As one man more methinks would share from me For the best hope I have. O, do not wish one more! Rather proclaim it, Westmoreland, through my host, That he which hath no stomach to this fight, Let him depart; his passport shall be made, And crowns for convoy put into his purse; We would not die in that man's company That fears his fellowship to die with us. This day is call'd the feast of Crispian. He that outlives this day, and comes safe home, Will stand a tip-toe when this day is nam'd, And rouse him at the name of Crispian. He that shall live this day, and see old age, Will yearly on the vigil feast his neighbours, And say 'To-morrow is Saint Crispian.' Then will he strip his sleeve and show his scars, And say 'These wounds I had on Crispian's day.' Old men forget; yet all shall be forgot, But he'll remember, with advantages, What feats he did that day. Then shall our names, Familiar in his mouth as household words- Harry the King, Luke, David, Jake- Be in their flowing cups freshly rememb'red. This story shall the good man teach his son; And Crispin Crispian shall ne'er go by, From this day to the ending of the world, But we in it shall be remembered- We few, we happy few, we band of brothers; For he to-day that sheds his blood with me Shall be my brother; be he ne'er so vile, This day shall gentle his condition; And gentlemen in England now-a-bed Shall think themselves accurs'd they were not here, And hold their manhoods cheap whiles any speaks That fought with us upon Saint Crispin's day.
MERRY CHRISTMAS to the United States Armed Forces.
Monday, November 20, 2006
Tim Rogers and Prudential First Choice Realty were the proud sponsors of the Rock Solid Performance Awards given to outstanding high school football players every week during the football season. All five Centre County high schools participated in the awards; State College, Bellefonte, Penns Valley, Philipsburg Osceola, and Bald Eagle High School. Players were selected by their respective coaching staff's each week and we had the opportunity to present the award at halftime of the following weeks game. The awards ceremony included the award winner, his parents, and the head coach. The players were honored during a fifty yard line ceremony minutes before the start of the second half of each game.
I had the opportunity to attend the Penns Valley High School banquet with the awards co-sponsor, Tom Broeren, of Mortgage Advisors Group. We had the opportunity to speak at the banquet and honor all of the kids for their dedication and the excellence they displayed on the field.
The Rock Solid Performance Award is held in high esteem by the players and several former award winners are now playing in the NFL including Kansas City Chiefs running back Larry Johnson.
Photo's will be posted shortly on my web site at www.MyPennStateHome.com. To learn more about the awards or to consider adding another Centre County sport for next year feel free to contact me via e-mail at terprime@aol.com
I had the opportunity to attend the Penns Valley High School banquet with the awards co-sponsor, Tom Broeren, of Mortgage Advisors Group. We had the opportunity to speak at the banquet and honor all of the kids for their dedication and the excellence they displayed on the field.
The Rock Solid Performance Award is held in high esteem by the players and several former award winners are now playing in the NFL including Kansas City Chiefs running back Larry Johnson.
Photo's will be posted shortly on my web site at www.MyPennStateHome.com. To learn more about the awards or to consider adding another Centre County sport for next year feel free to contact me via e-mail at terprime@aol.com
Subscribe to:
Posts (Atom)
