October Newsletter

The Scariest Thing About Being a First Time Home Buyer

One of the scariest things about being a first-time buyer is the unknown. It’s probably one of the main reasons 90 percent of all buyers do hours of online research before deciding to buy a home.

The entire process can be stressful. It’s complicated. It’s filled with paperwork. It’s most likely the biggest financial decision of your life. And it’s peppered with deadlines and boxes that must be checked or the entire deal can fall apart!

Halloween girl

Real estate agents are here to uncomplicate the buying process for you. An agent is your matchmaker: he or she will help you define the qualities of your dream house and work hard to turn that dream into a reality. And since they’re pros, they’ll manage the deadlines and check those countless boxes for you so you can make an offer on your dream house with confidence.

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Residential Mortgage Lender and real estate agent, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  • Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  • Present the homes that suit your needs as you’ve defined them.
  • Help you determine the difference between a “good buy” and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  • Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else’s — even if your offer is lower!

Count On Your Loan Officer To:

  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress (Note: your personal information is always kept confidential between you and us; only deal points and progress are shared).
  • Get the appropriate loan for you at the best rates and fees. This will save you significant money “up front” and throughout the years to come.

Count On Yourself To:

  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  • Enjoy purchasing your home, but do remain objective throughout — to make the business decisions that are best for you.
  • Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

I am not a mortgage lender and I will never pretend to be.  I ALWAYS encourage my clients to make an appointment with a reputable lender and actually sit down to go over all options.  There are so many options out there other that just the typical Conventional, FHA, and VA loans. Contact Tracy Geer at First State Bank Mortgage for more information.  Find her pre approval link on my website.

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My October Obsession: Carrot Cake

CARROT CAKE
INGREDIENTS
2 1/2 cups All Purpose Flour
1 1/2 teaspoons Baking Soda
1 1/4 teaspoons Baking Powder
2 teaspoons Ground Cinnamon
1/2 teaspoon Salt
2 cups Sugar
4 Large Eggs
1 cup Vegetable Oil
1 teaspoon Vanilla Extract
2 cups Grated Carrots
3/4 cup Chopped Pecans
3/4 cup Coconut (I don’t use coconut because I think it is disgusting!)
1 8oz can Crushed Pineapple (put in strainer and let juice drain. I used a fork to press out more liquid.)
DIRECTIONS
Preheat oven to 350 degrees
Line the bottoms of 3 (8inch) or 2 (9inch) round pans with wax or parchment paper, grease with shortening and flour the paper and pans for easy release when turning out……carrot cake has a tendency to stick so be sure to use the paper.
Whisk together for 30 seconds the flour, baking soda, baking powder, cinnamon, and salt. Set Aside.
In a mixing bowl, add 2 cups sugar , 4 eggs, 1 cup oil and 1 tsp. vanilla. Mix 2 to 3 minutes at medium speed until well blended and light colored.
With a spoon stir in the flour until moistened, then add the carrots, pecans crushed pineapple and coconut.
Bake 35 minutes at 350 degrees or until a toothpick inserted in the center comes out clean. Refrain from opening the oven door or touching the center of the cake to test for doneness until very near the end of baking time or it could cause the cake to sink slightly in the center.
Makes 6 1/2 cups batter
Cool cake layers in pan for 10 minutes on a wire rack then turn out. Cool completely before frosting.

It’s healthy because it has carrots.  Just go with it.

Places to visit in October in Kansas & Missouri:

  1.  Weston, Missouri- Weston Red Barn Farm, O’Mally’s Pub, and Pirtle Winery
  2.  Parkville, MO- Wines By Jennifer A hidden gem in downtown Parkville.  Stop in to taste their featured wines of the month and listen to the stories of their travel.  Don’t forget to join the Wine Club!
  3. Lawrence, KS- Lawrence is so pretty in the fall.  Walk down Mass Street and check out all the local shops.  Make reservations at 715 for dinner, my FAVORITE!

Pumpkin Patch

 

 

 

Bucket List: Italy

Many of you know that my sister-in-law owns and manages a company called A Slice of Tuscany, which books trips and tours all around Italy.  Sally (my sister-in-law) moved over to Florence, Italy 8 years ago this upcoming August and I still have never been!  I know, I know.  But, a couple years ago she meet her her future (an American with an Italian name) husband over there and because he is in the military he was soon transferred back to the United States.  Although they were transferred back, Sally still takes trips to Italy throughout the year to help clients experience their dream vacations.

Sally
That’s Sally

So Sally started this business while she was over there by basically just traveling around Italy eating, drinking, and talking to everyone.  After years of research she quickly made friends with some of the top chefs, wine makers, shop owners in the country. Do you want to rent a villa in the countryside, make wine at a local vineyard, learn to cook for a top rated chef, rent a Ferrari?  She can do that.  What I’m saying is, if you want to do Italy right, you call Sally at A Slice of Tuscany.

That brings me to my bucket list.  I AM going to Italy.  I don’t know when but it’s happening.  I believe the plan is to wait until her husband can take time off and we can have at least 2 weeks to travel the country.  Hopefully, next Spring 2019 we will be sitting on the Amalfi Coast with a nice glass of Italian wine and fresh seafood.  Now I want a glass of wine!amalfi-amalfi-coast-architecture-373575

There are so many places I want to see before I die but I have to get to Italy as soon as possible.  Sally happens to been over there now and every time she posts on Instagram I am amazed!  It truly looks like the most beautiful place on earth!

Check out her website and her Instagram!

Honestly, it after 10pm on a school night and I’m contemplating open a bottle of Chianti Classico.

Anxiety Rules

So I’ve been busy. I’ve been so busy that I haven’t had time to have anxiety attacks about getting cancer again (just anxiety attacks about everything else). Right before Christmas I started back to work full time and I think that has been my saving grace. Having a full time job in healthcare, two little girls, and the holidays really keeps my mind off the big things that would normally set my anxiety off. There were a couple moments throughout the holiday in which I had to self medicate myself or overserved myself. Such a reaccuring habit for me. 

I am two months post surgery and almost at 100% again. My left arm is still having some auxiliary cording issues but nothing that keeps me from doing daily tasks. I will continue to do physical therapy once a week until it has resolved. My lovely breast expansion has come to an end and I will be picking out my implants and scheduling my exchange surgery this week. Exciting stuff. I am so ready to get these hockey pucks off my chest. It is amazing how little I care about breasts after all of this, I stress over my hair much more. Why is my hair parting when it is so short? I guess that cute pixie cut is going to have to be earned. The awkward hair phase will be lasting for a few years so I guess I’ll just have deal. My nails aren’t growing back as well as the hair which is super embarrassing. They are super brittle, a little discolored, and very short. It’s strange how the little things bug me more than the big things. Well, they aren’t big anymore. 

I wanted to start this year off different, very cliche I know. After having cancer at 34 years old you don’t sit back and wait for it to develop again, you live. I told myself I wanted to be a better wife, a better mom, and a better friend. I’m not sure if the better drugs I have now but I’m happier than I was. My anxiety is my number one problem I deal with on a daily basis but I am slowly learning how to treat certain situations. For example, I’m deathly afraid of heights. It’s not just the height that scares me, it’s the falling to my death and the aftermath of that. I know it’s silly and it has become worse with age. I am determined not to let this rule my life! So this past weekend we went up to the mountains in Colorado with some great friends to ski. Well, they all ski and I haven’t done it since a was teenager. I signed up for a ski lesson and off I went to the big mountian. Okay so it was more of a hill but I went through with it. As the lesson go more intense I knew that they would make me use the chair lift which has been the greatest fear of all. My heart was about to jump out of my chest but I did it. It was super scary for me but it’s done and I will never do it again. After that lesson, I took off those uncomfortable ski boots and sat my happy ass down at the bar where I belong.  The fact that I tried it is all that matters. 

I hope that this year I will get a firm grip on the anxiety that follows me around everyday. It will not run my life like in the past. Do you see the fear in my eyes? This was right before the ski lesson. 

I Heart Florida

Who would have thought that a week in Florida would change the way I vacation.  My husband’s family goes to Florida every other year with a group of extended family, around 30 people all together.  They rent condos on the beach and just lounge for a whole week.  My first thought was, “this is going to get boring”, but it never did.  We were steps away from the pool, the beach, and a cooler full of Corona.  The munchkin was 8 months old at the time so she still wasn’t walking by herself but did enjoy the sand and water.

Walking on the Beach

The condos that we stayed at were absolutely perfect.  We were all next to each other so it was easy to do a group dinner and have the kids play with each other.  I would much rather spend my money renting a condo for a week than stay at a super crowded resort and pay for everything I wanted to eat or drink.  The condos weren’t all full so we basically ran the place.  It was so nice to have extra hands with having a little one with you as well.  It was my first year down in Florida with his family so now I cannot wait for 2013 to get here.  I think my family was pretty jealous so I am in search of the perfect week-long vacation spot for the years we are not in Florida.  Suggestions are welcomed.

First Flight, Last Flight?

It has been awhile since my last post, I apologize.  Like you care that much that an apology was needed but whatever.  I think that having the munchkin in November has its ups and downs when it comes to traveling with her.  For the first 4 months we hardly have gone anywhere besides to the grandparents and daycare.  Hell, it has been winter for almost 6 months and there is no way I am taking myself outside unless I have too and no chance in hell that I am dragging a baby out side in cold weather.  I am anxious to see how many babies are born next fall due to the crap of a season (winter) in the midwest.

So we just got back from visiting my sister and brother-in-law out in Colorado for a weekend.  It was Maggie’s first flight and she did great. I knew the “flying with infant” drill before going thanks to my friend BN.  She had flown with her little one a couple of times before so she gave me the scoop ahead of time. My only question is how in the world do people travel with multiple kids?  The amount of stuff needed for a 4 month old is crazy.  Stroller, car seat, car seat base, diapers, formula, and one hundred different other items that she might need in the next 3 days.  We were lucky enough to borrow a play yard from a friend that lived out there, super grateful for that.  The genius that I am forgot to pack a warm hat and mittens for the little squirt so had to stop and buy some winter items for her.  Only I would go to the mountains and not pack anything warm.

The Munchkin in Colorado

Over all she did great on the flights.  The munchkin even had the pleasure of sitting next to Coach Bill Self on the way back from Colorado.  Go Jayhawks!  Next time I travel I think I would rather ship all that crap to the destination then try to lug it around multiple airports.  What a cluster.  Kudos to those who can do this without wanting to yell at everyone that comes in contact with you.  Next plane trip with her is in August to Florida, god help me.  And just a little suggestion/warning to the friendly staff at Southwest, don’t touch my baby and you should really let families board before the A’s.  Oh and parents should get free booze even if the flight is less that an hour.  Parents always need booze, or maybe that is just me that needs it.