December Moses Lake Activites

December Family Free

December 5, 2009
Moses Lake


Description:
Visit MAC anytime between the hours of 12 noon and 2:00 p.m. on Saturday, December 5 and create your own holiday ornament.

Location:
Moses Lake Museum & Art Center
228 West Third Ave.
Moses Lake, WA 98837


Admission:
FREE

Other Information:
A free family art activity open to all ages on a first come, first serve basis.

Contact Information:
Contact: Ann Golden
Web site: www.mlrec.com/museum.html
Email: agolden@ci.moses-lake.wa.us
Phone: 509-766-9395

Posted on December 4, 2009 at 9:42 pm
Heather Adkinson | Category: Moses Lake | Tagged ,

Moses Lake Market Update November 2009

It looks like the last month has slowed down for us in pendings.  We had more pendings last year in the month of November then we do this year.  So is the First Time Homebuyer Credit working for us? 

Moses Lake Market Stats Chart Nov 09

It definately has impacted the solds as you see there were more sold in the month of November this year then last year at this time. 

With 367 active listings at this time there is tons to choose from! 

December always ends up being a pretty slow month for activity with everyone gearing up for the New Year.  It is always a great time to start getting your house ready to sell if you are going to list in the New Year. 

Don’t forget to get the advice of a professional Realtor on what you can do to make your house more sellible we are always here to help!

Moses Lake Real Estate Market Update November 09

Posted on December 1, 2009 at 12:23 pm
Heather Adkinson | Category: Moses Lake, Real Estate, Uncategorized | Tagged ,

I’ve Been Busy Lately…..

Where has all my time gone?

Posted on November 29, 2009 at 8:24 am
Heather Adkinson | Category: Doll Houses, Moses Lake

Interested in Equity Protection

Insurance
Insurance

Equity Protection for your Peace of Mind

We have insurance for everything else these days so why not another one for your house!  Except this insurance is supposed to insulate you from the fluctuations in the Real Estate market.  With this they say you can protect 100% of your financial investment in your home.

Formed by a group of Fortune 500 executives they have launched Working Equity Inc  a new form of homeowner protection that has never been seen before.

Homeowners who purchase Equity Protection will receive a payment if their local housing market index declines when they sell their home. When a homeowner purchases Equity Protection, Working Equity uses independent data to determine the local housing index at the zip code level. After a fixed waiting period expires, if the homeowner sells their home and the local housing index has declined, Working Equity will pay the homeowner an Equity Protection payment equal to their home value multiplied by the percentage decline in their local housing index.”

While the actual value of the insurance is a little complicated to determine and it is based on a index created by a third party to the Equity Protection company it doesn’t sound like a half bad way to deal with the declining markets and ensuring that you don’t end up owing more on the property then it is worth in a down market.

Here are the 3 different scenarios they present on their website;

Scenario A: You sell your home for $225,000 – a $25,000 loss:
At the time of sale, the local market index is 90, a 10% decline. Since the local housing market index is down, you receive an Equity Protection Payment of $25,000. 


Scenario B: You sell your home for $265,00 – a $15,000 profit:
At the time of sale, the local market index is 95, a 5% decline. You still receive an Equity Protection payment of $12,500 since the local housing market index is down when you sell. 


Scenario C: You sell your home for $265,000 – a $15,000 profit:
At the time of sale, the local market index is 110, a 10% increase. Since the local housing market index is higher, the Equity Protection contract terminates with no payment.

There are 3 different types of plans available currently:  Lifetime Protection, Flexible Protection, Flexible Term.  The cost they advertise is 1-2% of the purchase price either paid month to month, in installments, or all at once.

It is definitely an intriguing idea but would love to hear from those that have had experience with this company or this type of insurance.

Posted on November 24, 2009 at 12:51 pm
Heather Adkinson | Category: banking, Homeowners Insurance, Moses Lake, Real Estate

Black Friday Moses Lake

Yes I know we are ummmmm challenged in the shopping area here in Moses Lake.  Because of this you will find that most people when they want to do a large amount of shopping search outside our area and hit either Wenatchee (1 hr) or Kennewick (1 hr).  But did you know Moses Lake has our own Black Friday right here!

Yes, it’s true we do!  Granted there are obviously not as many shops to choose from but boy do people get out for this event.  So I will give you the list of stores that you will be able to visit here in town on Black Friday.

black Friday
black Friday

WalmartIn store specials will be available at 5:00 a.m.

The local store here in town has let shoppers into the store so they do not need to stand out in the cold.

Staples:  In store specials will begin at 6:00 a.m.  They are however running an ad on some items for a “buy it now for less then Black Friday price.”  Might be something to check out!

Big 5 Sporting Goods  I need to confirm times on Big 5 for black Friday

Radio Shack :  This store will be opening their doors at 5:30 a.m. on Friday

Gamestop :  I called the local store and he said they are opening at 6:00 a.m. and closing at 9:00 on Black Friday.

Home Depot:  They will open their doors at 6:00 a.m. on Friday.  They are also doing tons of things on sale right now at a lower cost then they will be on Friday.  Check it out here

Lowes:  They are also opening at 6:00 a.m.  Check out their Black Friday advertisements here

Ok granted, the list looks pretty minuscule but at least you don’t have to get up at 3:30 to drive to the Tri-Cities!  I am sure and hope that some of the local small businesses will be involved this year as well.  So don’t forget to drive thru the downtown corridor to see what’s open at this ungodly hour!

Have a happy and enjoyable Thanksgiving and go out and support your local community!

Posted on November 22, 2009 at 2:44 pm
Heather Adkinson | Category: Moses Lake

Moses Lake Events

Habitat for Humanity Festival of Trees
November 28, 2009

Description:
It’s time once again for the Festival of Trees Auction. This annual fundraiser for Habitat for Humanity of Greater Moses Lake is celebrating 15 years. The festivities start at 5:30 pm with registration, the silent auction, social hour and hors d’oeuvres. Their will be a short presentation followed by the live auction starting at 8 pm.j0440281

The event features a dinner as well as a silent & live auction which will feature at least 10 beautifully decorated trees, with most having gifts beneath or hidden within the branches. All proceeds from this event go towards Habitat’s mission of eliminating substandard housing in our community. All Habitat for Humanity homes are sold to the selected families at a no-profit, financed with no-interest loan and each family must invest upwards of 450 hours of sweat equity into the building of their home. This is a hand up and not a hand out program.

Donations are being sought for the Festival of Trees, items for both the live and silent auctions are needed. The success of the fundraiser depends on the generosity of individuals and businesses in our community. Show your support for Habitat for Humanity of Greater Moses Lake by calling Curtis at 509-765-0924 for tickets to the event, to donate items for the auction or to make a monetary donation.

Posted on November 20, 2009 at 8:59 pm
Heather Adkinson | Category: Moses Lake, Uncategorized

Moses Lake Events

Habitat for Humanity Festival of Trees
November 28, 2009

Description:
It’s time once again for the Festival of Trees Auction. This annual fundraiser for Habitat for Humanity of Greater Moses Lake is celebrating 15 years. The festivities start at 5:30 pm with registration, the silent auction, social hour and hors d’oeuvres. Their will be a short presentation followed by the live auction starting at 8 pm.j0440281

The event features a dinner as well as a silent & live auction which will feature at least 10 beautifully decorated trees, with most having gifts beneath or hidden within the branches. All proceeds from this event go towards Habitat’s mission of eliminating substandard housing in our community. All Habitat for Humanity homes are sold to the selected families at a no-profit, financed with no-interest loan and each family must invest upwards of 450 hours of sweat equity into the building of their home. This is a hand up and not a hand out program.

Donations are being sought for the Festival of Trees, items for both the live and silent auctions are needed. The success of the fundraiser depends on the generosity of individuals and businesses in our community. Show your support for Habitat for Humanity of Greater Moses Lake by calling Curtis at 509-765-0924 for tickets to the event, to donate items for the auction or to make a monetary donation.

Posted on November 20, 2009 at 8:59 pm
Heather Adkinson | Category: Moses Lake, Uncategorized

Feeling Vindicated Today!

An opinion on market conditions and Real Estate within the Moses Lake community

Posted on November 18, 2009 at 8:07 pm
Heather Adkinson | Category: banking, Moses Lake, Real Estate

Feeling Vindicated Today!

An opinion on market conditions and Real Estate within the Moses Lake community

Posted on November 18, 2009 at 8:07 pm
Heather Adkinson | Category: banking, Moses Lake, Real Estate

CLUE Reports and How They Affect You

Moses Lake Real Estate Agent Heather Adkinson

Also known as a Comprehensive Loss Underwriting Exchange is a claims history database that enables all insurance companies to access consumers claims information when they are underwriting an insurance policy.

Here is how it works….even if you as a homeowner have never had any claims or problems getting home insurance this will still affect you.  If you happen to be purchasing a house that has had claims made against the home you may be unable to get homeowners insurance.

Another flaw in the system is that the only one able to obtain a clue report on the house (besides the insurance agency) is the homeowner of the property.  Make sure when you are writing up a contract on a house that the insurance claim insurance contingency paragraph is marked on the agreement.

If when a homeowner reviews the report and finds errors on that report they do have the ability to dispute the report at which point the owners insurance company will be contacted to try and determine if there is a valid claim or not.

Unfortunately these reports can also be used by insurance companies to determine what kind of risk you would be and can in turn affect if you get turned down for insurance.  Not only do the CLUE reports cover homeowners, there is also a database that shows strictly  automobile claims.  Claims will only stay on your report for 5 years however.

Be aware that any hint of water damage to a property, for example, is likely to trigger a negative mark on the property’s CLUE report. Well-intentioned consumers who call an insurer to merely inquire about coverage for water damage have been shocked to have their insurance cancelled.

Here are some of the worst case scenarios that have come up as taken from http://www.privacyrights.org/fs/fs26-CLUE.htm

A former 21st Century Insurance fraud investigator and 32-year-old homeowner and mother was forced to get substandard homeowner’s insurance at three times the normal price because the house she was purchasing was “blacklisted” on a national Comprehensive Loss Underwriting Exchange (CLUE) report.

A 79-year-old homeowner was turned down for a homeowner’s policy because she made a $393 claim on her purse that had been stolen in Montreal while she was visiting her daughter.

A 75-year-old homeowner was “blacklisted” after she made a telephone inquiry about her policy coverage with Allstate, with whom she had continuous homeowner’s coverage for 30 years.

The Chief of the Consumer Services Division, California Department of Insurance and Palm Springs homeowner was turned down when he attempted to get insurance for his new home. An inaccurate CLUE report showed five claims, two of which were for another property owned by the seller in a different city; two other “claims” were only for coverage inquiries and one claim was fully remedied and should not have had bearing on his eligibility.

Be aware that filing any type of claim with your insurance company may result in issues that you ought to not have to deal with.

If you are looking to Buy or Sell Real Estate in Grant County I would love to Help!  Call or text me at 509-760-7733

Follow Heather on Twitter @ hjadkinson

Become a fan on Facebook @ http://bit.ly/27KD73

Follow my Moses Lake Real Estate Blog @ http://hjadkinson.wordpress.com/

Search for homes @ www.propertiesinmoseslake.com

Posted on November 14, 2009 at 1:52 pm
Heather Adkinson | Category: Homeowners Insurance, Moses Lake, Real Estate | Tagged ,