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Why is an Appraisal Important When Buying or Selling a Home?

One the biggest components in buying a home when a lender is involved includes an appraisal. If you buy a home with cash and sometimes with a conventional loan, you can bypass this step. With an FHA loan and an VA loan, you cannot.  What is an appraisal?  In simple terms and Appraisal is a valuation of property.  An appraisal ordered for the purchase of a home is to determine if the price agreed upon by seller and buyer is acceptable by the lending institution. If an appraisal comes in low, the lender will likely decline to fund the deal. Unless the buyer is willing to come to the contracted price the deal to purchase can fall apart.  So what happens if the Appraisal come in Low? Sometimes a buyer will pay over the appraised value in order to buy the home. Sometimes the seller will lower the contracted price to the appraised value in order for the deal to continue. Sometimes the deal falls apart.  Loan types will determine what you can do as a buyer to get past the low appraisal. A con

Salad Bar Party


I threw a girly party yesterday for a couple of my girlfriends. We had a wonderful time talking over what has been happening lately in our lives. Since we are going out of town Tuesday for two weeks, I have to admit I was trying to clear out my refrigerator a bit. 

I had a huge head of romaine lettuce and I always have a ton of salad dressings. Instead of buying a lot of items that would go uneaten, Salad Bar Party it became. 

I have a ton of these small glass containers my Aunt Sallie gave me the last time she visited from Knoxville. These we actually my great grandmother's. They were perfect for dressings and the toppings. 

I served Wishbone Italian, Kraft Classic Ranch, Kraft Creamy French, Brianna's Saucy Ginger Mandarin, Cardini's Caesar, Braswell's Creamy Vadalia Onion, and Kraft Extra Virgin Olive Oil Basil Parmesan Vinaigrette. 

The toppings included Bacon Bits, Croutons, Shredded Carrots, Red Onion, Cucumber, Won tons, and Craisins. 

It was a hit. I've never done a salad bar before but I think it will be done again!

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