Skip to main content

Featured

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

Halloween Ghosts for Your Yard


I love Halloween. It is truly one of my favorite times of the year. I love to line crows up on the roof of my house, fill the yard with spiders and webs and put this in the front yard to illuminate the crisp nights that descend around here in the fall. 

Here is how to do it and to do it right. 

What You Need:

  • Cheap Plastic Drop Cloths: Calculate each ghost you will make and add one.
  • White paper or newspaper 
  • 6 or 8 Lengths of rebar- 3 to 4 feet high: How many ghosts you do will determine how many pieces of rebar you need. (Check your Local Hardware Store)
  • Clear packing tape
  • Yellow or Orange Christmas Type Lights
  • A Couple of Pieces of Wood

What to Do:

 1.  Hammer the rebar into the ground into a circle.

2. Cut lengths of drop cloth double the height you want your ghosts

3.  From the extra drop cloth cut out strips 4x12 you will use to tie at the necks around the rebar.

4.   Form the head by balling up paper and.  When you have a large enough ball place in center of stretched out drop cloth section.

5. Gather the  drop cloth and cover the paper forming a head like he is a lollipop.

6.  Place "head" on top of rebar and wrap packing tape around plastic to form neck.

7.  Gather at the waist area and tape again.  Your ghost will now look like a lollipop. 

8.  Cut several long strips of drop cloth to form arms. These are crisscrossed and tied around chest area. Then the hands with meet with the next ghost to meet and hold hands. 

9.  Place the logs in the center of the ghost and top with your colored lights. Plug in. 

The ghosts look amazing at night. One girl who lives down the street from us is so frightened she can't even look down our way. She is a teenager. Funny girl.



Comments