Motivational Words: Motivational Quotes for Success

There are those that look at things the way they are, and ask why? I dream of things that never were, and ask why not.
Robert F. Kennedy

There are three types of people in this world: those who make things happen, those who watch things happen and those who wonder what happened. We all have a choice. You can decide which type of person you want to be. I have always chosen to be in the first group.
Mary Kay Ash

In order to discover new lands, one must be willing to lose sight of the shore for a very long time.
Anonymous

Strong lives are motivated by dynamic purposes.
Kenneth Hildebrand

Many of us spend half our time wishing for things we could have if we didn’t spend half our time wishing.
Alexander Woollcott

You may delay, but time will not.
Benjamin Franklin

Until you value yourself, you won’t value your time. Until you value your time, you will not do anything with it.
M. Scott Peck

“The road to wealth is always under construction.”
-Ron Legrand

“That which doesn’t kill you only makes you stronger”

Minnesota School District: Local School Info

I must mention this site with School Info, you can search for any local schools in your area.  This site blends in well on your site if you want to link to it.  Public Schools, Private Schools, colleges, private libraries, junior colleges.  Choose by the type of grades.   Annual reports,  fast facts, what’s new, tables and figures, survey’s and programs.  It also shows publications and products.  It shows contacts, and staff, this site would take months or years to fully search.

Staff List

The website reads as IES

National Center for Education Statistics

You should go check out the site, I’ll write a longer post on this later.

Minnesota Activities: Local Minnesota Links

Local Things to do

• Dakota county historical society
• American Swedish institution
• Canterbury Park
• Chanhassen Dinner Theatres
• Children’s Theatre Company
• Minnesota Tourism
• Minneapolis Institute of Arts
• Mall of America
• Minnesota Historical Society
• Minnesota Valley National Wild Life Refuge
• Minnesota Museum of Art
• Como Zoo
• Science Museum of Minnsota
• State Parks
• Ramsey County Historical Society
• Hennepin County Theatres
• Twin Cities Model Railroad Museum
• ValleyFair
• Minnesota Zoo

Local Education

• Minnesota Legislative Reference Library
• Minnesota Higher Education Services Office
• Minnesota Valley National Wild Life Refuge
• Minnesota Workforce Center
• Local Transportation
• Minneapolis-Sp. Paul Airport
• MN/DOT

Legal websites for Minnesota

Legal Websites for Minnesota

• Minnesota Higher Education Services Office
• Minnesota House of Representatives
• Minnesota NorthStar
• Minnesota State Senate
• The Governors Site
• Minnesota DNR

Local News

• Kare-11 News
• KSTP UPN 9
• Star Tribune
• Pioneer Press
• WCCO Channel 4
• ABC Channel 5

Local Sports

• Minnesota Gophers
• Minnesota Twins
• Minnesota Wild Hockey
• Minnesota Vikings
• Minnesota Timberwolves

Local Youth Sports Info

• Minnesota Youth Athletics Service
• Youth Soccer Association

Minnesota Short Sale Homes

A More updated version of this short sale homes page is now available here What are Short Sales the Process in Minnesota

Short Sale A House: How To Do a MN Short Sale

Do you have a house in MN for sale? If you owe too much on your house, and are affected from falling home prices, you may find it tough to sell  your house. You may simply just need to sell your house for less than what you owe on the house. This could be done if you are as little as no payments behind but are soon about to not be able to afford your home, from an approaching ARM, or a loss of job, or health issues.  You can’t do a short sale just because you don’t feel like paying.

Here is how it works, and here are the questions we would ask someone in a short sale situation.

Here are some questions the short sale expert would need to know the answers to:

Borrower
First Name
Last Name
Home Phone
Cell Phone
Co-Borrower
First Name
Last Name
Home Phone
Cell Phone
1st Lender
Lender Name
Amount Owing
Monthly Payment
Payments Behind
Account#
2nd Lender
Lender Name
Amount Owing
Monthly Payment
Payments Behind
Account#
Market Value
Sheriff Sale Date
Bankruptcy
Had Bankruptcy When
Other Liens
Judgments
Past Due Water Bill
Past Due Taxes

Sell My House on the MLS: What’s the Process?

If you decided to list your house on the Multiple Listing Service with an agent and wanted to do a “full service listing”  This is likely the types of services you can expect.

Yes, I would like to sell my home on the MLS with an agent.
The full listing service which will include the following:
-Agent puts listing on Realtor® MLS
-Agent gives ideas on home staging
-Agent gives tips on how to get in show condition
-Agent will discuss today’s market value (CMA)
-Agent will help with the purchase agreement
-Agent will help with the negotiations
-Agent will help with ?’s from buyer’s agents
-Agent will help to get a sign in the front yard
-Agent will help to post street signs
-Agent will help to put out ads for marketing
-Agent will help with in-house marketing and flyers
-Agent will help with seller disclosures and paperwork
-Agent will help with understanding buyer’s inspections
-Agent will help with understanding buyer’s appraisals
-Agent will help with updates from the loan officer
-Agent will help with the closing process
-Agent will help on the closing day, reviewing closing paperwork
-Agent will help get photos taken and on the MLS
-Agent will help with measurements, data, add to MLS
-Agent will help get a lockbox on my door
-Agent will help with communication by email and phone

If you decide to sell on a contract for deed, here is how it will differ some.

If you decide to sell on a contract for deed, we would have an agent work with you under contract exclusively. Some advantages of selling on a Contract for Deed, you have are that you have a much more open market of available buyers, not every buyer can get financing in today’s market. You will want to give them 12-36 months time typically to let them increase their credit score so they can get financing. It’s up to you on the down payment amount, but 5-10% down is standard.  In cases where they quit making payments, It would take a minimum of 60 days to get the buyer out of the property after the notice of default, so it’s a little longer than a renter eviction situation.  Also the contract for deed buyer would be considered the new equitable owner, and would be paying the taxes and insurance and would be receiving all of the tax breaks and depreciation on the property.  You will also most likely find a buyer for a contract for deed much faster than if you are looking to sell to a buyer who is getting financing.  If you sell on a contract for deed, you hold the deed to the property, and the loan will still remain in your name.  When you get your loan on your next property, you will need to notify your loan officer that your home has a contract on it, and the payment is covered. This will be important to help your debt to income ratio when qualifying for your next home. I would still recommend that your house be listed on the MLS and work with an agent full service, if you are going to sell on a contract for deed.