----Johann Friedrich Von Schiller

I want everyone...I mean EVERYONE to listen up.

We have an arena...A beautiful arena...that seats eighteen thousand, one hundred and nineteen screaming fans for basketball. Now last season, it was packed to the rafters with blue shirts, white shirts...screaming fans clapping in adulation for...

THE TIGERS.

Now I am an advocate for supporting ALL sports teams...but an arena for our one professional sports franchise being as hollow as the brain on a blonde is pathetic. Yes, the team was terrible. Yes, it seemed as if they quit. Yes, we seemed to lack direction after trading our "star" player away for seemingly peanuts.

But is there anything else to do in this town? Really?

The Orpheum doesn't last all basketball season. There are some great restaurants here, but can you hit all of them up during the 3 hour span that is 41 home games sprinkled through October-April? Laurelwood is pricey, Wolfchase has been taken over by teenagers and the Collierville mall is too far out for some of us...If you were going to eat, watch a great show, spend money, and drive out of the way, why dont you head to the FedExForum to a Grizzlies game?

Does it not discourage you to see your team...play in your empty arena...in your city...while broadcasters either try to cover up the fact or come right out and say something about our lack of attendance? Does it not infuriate you to hear the rumors of the team leaving (due to the lack of interest and fan support?)

I say this to you as a season ticket holder...Fix it!

You don't even have to buy season tickets. Hell, you dont even have to buy a power pack.

Just go. Go to a game. Take your family. Take your extended family. Fill up a row. Fill up a section. What the hell, it'd bolster your chances of getting one of the giveaways that the Grizzlies do for certain sections of the forum if you have enough of a crew there in a section.

This is our team in our town. Let's support it...There are plenty of cities on par with Memphis and better than Memphis that don't have an NBA team...we are lucky to have one.

Nashville doesn't have one. Austin doesn't have one. Seattle doesn't have one. Kansas City, Las Vegas, San Diego, Tampa...Cities with comparable or larger populations that do not have a team, yet are always on the list for the Grizzlies relocation.

Let's make sure that doesnt happen.

The quote I began this blog with sums up this idea perfectly. What a home court advantage our young team, who will most likely bear the brunt of mismatches a lot this season, would have. 18,000 screaming fans (for OUR team) willing them to win....I am a big believer in it helping the psyche of teams to pull it together and win in crunch time...adding to the experience of the game and coming away with a win would just make the experience much sweeter, more addicting...which means that it would be more likely for people to come back and repeat the process.

Let's fill the arena and get loud...It'd be nice to feel the electricity in the air instead of stares from scattered people when I have the nerve to cheer for my team. Just because it isn't the Pyramid doesn't mean we can't still bring back the moniker "The Tomb of Doom"....instead of it just being a Tomb.

Alright, sermon over. A Hallelujah, 500 Hail Marys, Shalom and Amen.

This post is a good starting point on the Track schools in Highlands Ranch. However, it is just that: A starting point.

Why Track?

Douglas County School district is one of the fastest growing districts in the nation. In order to accommodate the growth without sacrificing high standards of excellence, some schools have elected to go with a year round schedule. Also known as Track. Only the elementary schools in Highlands Ranch utilize the Track system. At the middle and high school level the Track system is much more difficult to implement due to the number of courses, electives, athletics, and after school clubs.

The Tracks

Schools assign students to one of four tracks: A, B, C, or D. Tracks are assigned with consideration given to the first choice of the family, all children in a family are kept on the same track, and each school assigns its students to the different tracks.

Track change requests can be made. All decisions are made based on availability.

Changing from Track:

It is important to note that schools can change from Track to conventional or vice versa from one school year to the next. For the 2008/09 school year, 16 schools are utilizing the  Track system. That is 8 leass from the year before.

Instruction Time:

All students receive the same amount of instruction time as conventional schooling. The difference is school is in session 48 weeks a year instead of the conventional 36. With Track schooling, only 75% of the student population is in school at a given time.

Beginning of the School Year:

At the beginning of the school year tracks A, C, and D start on the same day in July. Track B starts three weeks later when Track C begins its first 3 week break. Although Track C and D start with short sessions (3 and 6 weeks respectively), their next sessions fall into the regular 9 weeks in 3 weeks out.

Off Track Day Care:

Many of the schools offer off track day care. Some programs are school sponsored and others are contracted with outside providers. Contact schools directly for site-specific information. It is also important to know that many of the recreation centers in Highlands Ranch offer programs during off track weeks.

Open Enrollment:

It is important to note that all Douglas County schools have open enrollment. With open enrollment you have the option to live in any area you wish and enroll your child(ren) to the Douglas County school of your choice. There may be conditions or provisions regarding transportation to and from school and waiting lists based on availability.

Modified Calendar:

Modified calendar schools are on the same schedule as Conventional calendar schools with a slight variation. Modified schools go back to schools a week earlier and stay in school a week longer. Those 2 additional weeks allow for extra time off during Winter and Spring break (2 weeks for each as opposed to 1).

Still Confused?

If you are still confused, feel free to call or email any time. I am happy to assist you any way I can. Below is a diagram for each of the elementary schools in Highlands Ranch and the calendar they are on.

You can find more information here:

http://www.dcsdk12.org/portal/page/portal/DCSD

http://www.dcsdk12.org/portal/page/portal/DCSD/District_Information/Keywords/YearRoundEducation.pdf

http://www.dcsdk12.org/portal/page/portal/DCSD/Schools/Elementary_Schools

http://www.dcsdk12.org/portal/page/portal/DCSD/District_Information/Calendars_and_Maps

off to bed.

The husband told me that I'm not allowed to worry the Michigan house (& the lack of a sale) until December 1st. Nevertheless, I'm feeling a little blue about all this relocation stuff, so I give you Henrí.

His thumbs are not opposable, yet he opposes everything. Who can't feel that on a Monday, yo?

Temp housing pictures link: http://picasaweb.google.com/chris.browder/TemporaryHousing

PG&E begins relocation of spent nuclear fuel rods

It’s being described as a major step forward in the safe storage of the Humboldt Bay Power Plant’s spent nuclear fuel as the federal government wrestles with where to store the nation’s growing stockpile of radioactive stuff for the long-term.

The Pacific Gas and Electric Co. announced Friday that the first of five massive containers of nuclear rods has been secured in the underground storage facility the power company began building at its King Salmon site in April.

“I think this is the best thing that has happened since that (nuclear plant) has been here,” said Mike Manetas, a retired Humboldt State University professor who is one of a dozen members of PG&E’s citizens advisory board.

The Humboldt Bay Power Plant Unit 3, which was built in 1963, was shut down for seismic modifications in 1976 and remained closed until 1983, when PG&E determined that the required seismic modifications no longer made the plant economically feasible.

The first 80 of the plant’s 390 spent fuel rods, which have been resting in a water cooling pool for decades, made the short trip up the hill Friday with the help of a modified heavy-duty bulldozer called a “crawler” that can handle moving the 80-ton casks.

The transfer of the real radioactive rods was preceded by numerous dry runs over the past few months and inspections overseen by the Nuclear Regulatory Commission.

Loren Sharp, PG&E’s director and plant manager for the nuclear power plant, said during a press gathering Friday that the rods were placed in the storage casks, vacuum-dried, back-filled with helium and tested for leaks.

“This entire cask design is unique in the world,” Sharp said.

Sharp said all the casks are expected to be sealed in the state-of-the-art storage facility by November and will be protected by a “robust” security system until the Department of Energy takes possession of the material.

The 76-foot-long and 13-foot-deep steel-reinforced concrete storage structure, which rests below ground on the highest point of the property, is designed to withstand nearly anything Mother Nature can throw at it, including a magnitude 8.8 earthquake.

At 44 feet above sea level, Sharp said the facility is still three feet above any anticipated tsunami.

As one of several activists now on the citizens advisory board who recommended in the 1980s that the fuel rods be put in dry storage until a more safe facility was secured, Manetas said in a phone interview Friday that he is “thrilled” PG&E is putting the material in dry storage — even if it is 20 years later.

Manetas credited PG&E for its openness and willingness to work with the community to deal with the nuclear plant.

Manetas described the new facility as a de facto waste depository that protects the material from tsunamis, earthquakes and terrorists.

“I think it is in a very, very safe environment,” Manetas said.

While there is no way for PG&E to know for sure when the federal government will remove the material, a PG&E official said the Nuclear Regulatory Commission is currently reviewing a license for the Department of Energy’s storage facility planned for Yucca Mountain in Nevada.

(Nathan Rushton can be reached at nrushton@eurekareporter.com

Up to $10K can be used for down payment, closing costs

By Tom Kelly,
Inman News

A friend of mine is a single mom who became a real estate salesperson several years ago following her divorce. She had a consistent flow of buyers and sellers until the beginning of the year when the market slowdown became even more apparent in many Pacific Northwest neighborhoods.

She postponed a long-awaited kayak trip because an out-of-state buyer was coming into town with a reportedly all-cash offer for a waterfront cottage. I laughed and teased her about postponing the trip when I found out the man was single.

"That's got very little to do with it," she said. "Gone are the days when you relied on an associate to handle any legitimate customer. This one looks like the first great chance in weeks. He's buying the place with his IRA to use as a second home."

I stopped laughing and took a deep breath.

"If he's going to use his IRA, I hope he plans to rent it out."

The rules for purchasing real estate with an individual retirement account are specific and differ greatly from those that govern conventional rentals and second homes. For example, you cannot buy a second home with an IRA and use it partly for personal use, even though you might rent it to unrelated persons the rest of the year. And, your IRA cannot purchase a real estate asset and then have a "disqualified" person (family member) use it while it is in the IRA. The purchase must be investment property.

For investors, the biggest mistake made with an IRA-purchased property is the misapplication of the 14-10 rule. Under current federal tax laws, the owner of a rental vacation home can use it for 14 days or 10 percent of the amount of time the house is rented, whichever is greater, without jeopardizing its status as a rental property and tax shelter. This is not so with a property purchased with an IRA.

Here are the four basic "no-nos" of real estate IRAs:

• Personal use (unlike rental property)
• Renting IRA property to family, or a partner
• Paying yourself with its income
• Personally guaranteeing a loan
  

To prepare for your real estate IRA, designate the amount of your retirement funds that you wish to use in the property deal and open a new IRA account with an independent administrator. The best place to start is an independent community bank. Many banks will not service real estate IRAs (some will say "never heard of it") because it must act as owner, such as paying the taxes and collecting servicing fees -- paperwork that many lenders don't want or need.

The only exception to IRA funds being used for a personal residence is reserved for first-time home buyers. A provision in the 1997 Taxpayer Relief Act that allows penalty-free withdrawals of up to $10,000 for the down payment and closing costs. Withdrawals can be made from established IRAs of spouses, parents, children, grandchildren or ancestors as long as they total no more than $10,000. While not be subject to the Internal Revenue Service's 10 percent early withdrawal penalty, normal income taxes will still apply.

Misinformation given by local IRS offices has added to the IRA confusion. According to a federal tax-court case, a couple was charged income tax for withdrawing their IRAs to buy a home even though their local IRS public-assistance representative said the funds would not be taxable.

Emma and James Clarke each withdrew $16,000 from their IRAs. They wanted to be certain the amounts were not taxable because the Clarkes said they would not be able to purchase the house and pay taxes on the $32,000 withdrawal. According to the Clarkes, they were told no penalty would be assessed. The court ruled that when IRS employees give incorrect interpretations of the law, the IRS is not bound by that advice.

In fact, the IRS is not generally bound by the language of its own publications. The court ruled the Clarkes' withdrawals were taxable under the rules that generally apply to IRA distributions.

Owning a home is a "forced savings plan." The money that you put in to home ownership is usually returned -- with appreciation -- when it's time to sell. Sometimes the appreciation can offset the amount of interest the borrower has paid on the home loan.

If you are a first-time home buyer, however, and using your IRA funds is the only way you can afford the down payment, check with a tax professional before making the move. He might tell you the "R" in IRA is to be used in retirement and not before.

And, he absolutely will tell you that you cannot use your IRA funds to buy a second home.

Carol Perdew
(209) 239-7979
www.CentralValleyHomes.com

Finding and Choosing the Right Home

Based on criteria that you and your REALTOR® establish together, your Associate will help you find the perfect home. There are many factors to consider in selecting a property, including location, bedroom and bath count, schools and amenities.

Your Associate will apply their extensive community knowledge and professional resources to research available properties, and show you the homes that best meet your needs. If you find a property that interests you through the Internet or your own research, let your Associate know so that a showing can be arranged.

As you view different properties, your criteria may change. Open and direct communication with your Associate is a key element of a successful property search.

 Search for Bank Owned Homes at www.CentralValleyHomes.com

Carol Perdew
(209) 239-7979
www.CarolPerdew.com                                                                                          

Take a look at this great article from Yahoo Finance on “Buying Your First Home”
Record low home prices and affordable interest rates are providing opportunities for home ownership. Search for homes at

Finding the right first home starts with a price range and a short list of desirable neighborhoods. But there are many other factors you'll need to consider before investing in what may be your biggest asset.

Before You Start

• Grab your current household budget so you can consider your financial situation and your ability to make mortgage payments.
• Ask family and friends if they can recommend experts, like a lawyer and an inspector, who can help with the home buying process.
• Think about your lifestyle and how it might affect your choice of home and neighborhood.

1

Buying Your First Home

Home ownership is the cornerstone of the American Dream. But before you start looking, there are a number of things you need to consider. First, you should determine what your needs are and whether owning your own home will meet those needs. Do you picture yourself mowing the lawn on Saturday, or leaving your urban condo for the beach? The best advice is to look at buying a home as a lifestyle investment, and only secondly as a financial investment.

Even if housing prices don't continue to increase at the torrid pace seen in recent years in many areas, buying a home can be a good financial investment. Making mortgage payments forces you to save, and after 15 to 30 years you will own a substantial asset that can be converted into cash to help fund retirement or a child's education. There are also tax benefits.

Like many other investments, however, real estate prices can fluctuate considerably. If you aren't ready to settle down in one spot for a few years, you probably should defer buying a home until you are. If you are ready to take the plunge, you'll need to determine how much you can spend and where you want to live.

2

How Much Mortgage Can You Afford?

Many mortgages today are being resold in the secondary markets. The Federal National Mortgage Association (Fannie Mae) is a government-sponsored organization that purchases mortgages from lenders and sells them to investors. Mortgages that conform to Fannie Mae's standards may carry lower interest rates or smaller down payments. To qualify, the mortgage borrower needs to meet two ratio requirements that are industry standards.

The housing expense ratio compares basic monthly housing costs to the buyer's gross (before taxes and other deductions) monthly income. Basic costs include monthly mortgage, insurance, and property taxes. Income includes any steady cash flow, including salary, self-employment income, pensions, child support, or alimony payments. For a conventional loan, your monthly housing cost should not exceed 28% of your monthly gross income.

The total obligations to income ratio is the percentage of all income required to service your total monthly payments. Monthly payments on student loans, installment loans, and credit card balances older than 10 months are added to basic housing costs and then divided by gross income. Your total monthly debt payments, including basic housing costs, should not exceed 36%.

Many home buyers choose to arrange financing before shopping for a home and most lenders will "prequalify" you for a certain amount. Prequalification helps you focus on homes you can afford. It also makes you a more attractive buyer and can help you negotiate a lower purchase price. Nothing is more disheartening for buyers or sellers than a deal that falls through due to a lack of financing.

In addition to qualifying for a mortgage, you will probably need a down payment. The 28% to 36% debt ratios assume a 10% down payment. In practice, down payment requirements vary from more than 20% to as low as 0% for some Veterans Administration (VA) loans. Down payments greater than 20% generally buy a better rate. Lowering the down payment increases leverage (the opportunity to make a profit using borrowed money) but also increases monthly payments.

How Much Home Can You Afford?

Bob and Janet's combined income is $50,000 a year, or $4,166 a month. Their housing expense ratio of 28% yields a monthly maximum of $1,166 for mortgage, insurance, and taxes ($4,166 x 0.28 = $1,166).

3

Costs of Buying a Home

Many home buyers are surprised (shocked might be a better word) to find that a down payment is not the only cash requirement. A home inspection can cost $200 or more. Closing costs may include loan origination fees, up-front "points" (prepaid interest), application fees, appraisal fee, survey, title search and title insurance, first month's homeowners insurance, recording fees and attorney's fees. In many locales, transfer taxes are assessed. Finally, adjustments for heating oil or property taxes already paid by the sellers will be included in your final costs. All this will probably add up to be between 3% and 8% of your purchase price.

4

Ongoing Costs

In addition to mortgage payments, there are other costs associated with home ownership. Utilities, heat, property taxes, repairs, insurance, services such as trash or snow removal, landscaping, assessments, and replacement of appliances are the major costs incurred. Make sure you understand how much you are willing and able to spend on such items.

Condominiums may not have the same costs as a house, but they do have association fees. Older homes are often less expensive to buy, but repairs may be greater than those in a newer home. When looking for a home, be sure to check the actual expenses of the previous owners, or expenses for a comparable home in the neighborhood.

5

Choosing a Neighborhood

Before you start looking at homes, look at neighborhoods. Schools and other services play a large part in making a neighborhood attractive. Even if you don't have children, your future buyer may. Crime rates, taxes, transportation, and town services are other things to look at. Finally, learn the local zoning laws. A new pizza shop next door might alter your property's future value. On the other hand, you may want to run a business out of your home.

Look for a neighborhood where prices are increasing. As the prices of the better homes increase, values of the lesser homes may rise as well. If you find a less expensive home in a good neighborhood, make sure you factor in the cost of repairs or upgrades that such a house may need.

6

Finding a Broker

If you are a first-time home buyer, you will probably want to work with a broker. Brokers know the market and can be a valuable source of information concerning the home buying process. Ask lots of questions, but remember that most brokers are working for the seller, and in the end, their primary obligation is to the seller and not to you. An alternative is a so-called buyer's broker. This individual does work for you, and therefore is paid by you. Seller's brokers are paid by the seller.

Make sure that the broker has access to the Multiple Listing Service (MLS). This service lists all the properties for sale by most major brokers across the country. Brokerage commissions average 5% to 7% and are split between the listing broker and the broker that eventually sells the home. Don't be surprised if your broker is eager to sell you their own listing since they would then earn the entire commission.

Once you've determined a price range and location, you're ready to look at individual homes. Remember that much of a home's value is derived from the values of those surrounding it. Since the average residency in a house is seven years, consider the qualities that will be attractive to future buyers as well as those attractive to you.

Although it can be difficult, try to remember that you will probably want to sell this home someday. The more research you do today, the better your decision will look in the years to come.

Summary

·                       Buying a home can mean building significant value through the years.

·                       Think carefully about how much you can afford to spend and consider borrowing guidelines  
         like  those used by Fannie Mae.

·                       Prequalifying with your lender is a good way to determine how much house you can afford.

·                       You will need cash for a down payment and closing costs. Generally speaking, the higher
        the down  payment, the lower the interest rate and monthly mortgage payment.

·                       In addition to your mortgage payments, you will also need to consider the other costs of
         home ownership.

·                       Schools, taxes, services, crime rates, transportation, and zoning are important
         considerations when selecting a neighborhood.

·                       Brokers usually represent the seller, but they can be valuable sources of information for
         buyers as well. A broker that belongs to the Multiple Listing Service will be able to offer a
         wider variety of homes to choose from.

·                       Remember to consider resalability when buying your home.

Checklist

• Update your household budget so you can begin to realistically assess how much home you can afford. Be sure to factor in all your monthly income and all the expenses that may come with a home.
• Add up any savings you could use toward a down payment, and decide whether you need to save more before you start house shopping.
• Start talking to lenders about your options for prequalification and preapproval.
  

Thanks
Carol Perdew
(209) 239-7979
www.CarolPerdew.com

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As of 8/15/2008 here are the stats for the Walnut Grove Neighborhood.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Mountainview Neighborhood, please call or Click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

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As of 8/15/2008 here are the stats for the Tigard Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Mountainview Neighborhood, please call or Click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View Larger Map

As of 8/15/2008 here are the stats for the Summerfield Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Mountainview neighborhood, please call or Click here, to request an
update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View Larger Map

As of 8/15/2008 here are the stats for the Greenburg Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Summer Lake Neighborhood, please call or click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View Larger Map

As of 8/15/2008 here are the stats for the Sorrento Ridge Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Sorrento Ridge Neighborhood, please call or Click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View Larger Map

As of 8/15/2008 here are the stats for the Sexton Mountain Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Sexton Mountain Neighborhood, please call or Click Here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click Here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

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As of 8/15/2008 here are the stats for the Murrayhill Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Murrayhill neighborhood, please call or click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View larger map

As of 8/15/2008 here are the stats for the Mountainview Neighborhood

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Mountainview Neighborhood, please call or Click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - broker
Kastings & Associates
Phone: (503)524-9494
Fax: (503)622-8739

View Larger Map

As of 8/15/2008 here are the stats for the Lexington Neighborhood. This week I’ve changed the stats to only count the sales from the last 7 days to give a better reflection of what is going on in the neighborhood during any given week.

Click here to view the last few weekly reports and the averages since I started keeping stats

For a complete list of homes for sale in the Lexington Neighborhood, please call or Click here, to request an update.

If you are interested in selling your home for top dollar in the quickest amount of time, please contact me anytime at 503-524-9494 or Click here to send me an e-mail requesting further information.

Todd Clark - br