Wednesday, September 30, 2009

Fall is Here


The time is ripe to buy!

Make sure your family and friends pick the right Realtor!


Fall is here!! Take advantage of the local Apple Orchards in North Georgia


where you pick your own apples. If you are looking for a fun outing for your family take a short ride and enjoy this outdoor adventure:




Apple Orchards



Blue Ridge, GA on Hwy 52



9696 Hwy 52, Ellijay, GA



9131 Hwy 52, Ellijay, GA



3379 Tailscreek Rd. Ellijay, GA


Here the Skinny on Picking your Apples:

Apple-picking season is generally from the beginning of September through the first week in November.


Look for the most brightly colored apples with a firm, crisp skin.


To pick an apple, palm it in your hand and pull upwards. Twisting and yanking might disturb

neighborhing apples and cause them to fall and bruise.


Pick fruit fromt he outer, most sun-kissed sections of the tree. The shadier areas (closer to the trunk) ripen later.




Once you get your apples home here is a great recipe from Southern Living to try:




Praline-Apple Bread

Ingredients:
1 1/2 cup chopped pecans, divided
2 teaspoons baking powder
1 (8-oz.) container sour cream
1/2 teaspoons baking soda
1 c. granulated sugar
1/2 teaspoon salt
2 large eggs
1 1/2 cups finely chopped peeled Granny Smith apples (about 3/4 lb)
1/2 cup firmly pked light brown sugar
1 tablespoon vanilla extract
1/2 cup butter

Directions:

1. Preheat oven to 350°. Bake 1/2 cup pecans in a single layer in a shallow pan 6 to 8 minutes or until toasted and fragrant, stirring after 4 minutes.

2. Beat sour cream and next 3 ingredients at low speed with an electric mixer 2 minutes or until blended.

3. Stir together flour and next 3 ingredients. Add to sour cream mixture, beating just until blended. Stir in apples and 1/2 cup toasted pecans. Spoon batter into a greased and floured 9- x 5-inch loaf pan. Sprinkle with remaining 1 cup chopped pecans; lightly press pecans into batter.

4. Bake at 350° for 1 hour to 1 hour and 5 minutes or until a wooden pick inserted into center comes out clean, shielding with aluminum foil after 50 minutes to prevent excessive browning. Cool in pan on a wire rack 10 minutes; remove from pan to wire rack.

5. Bring butter and brown sugar to a boil in a 1-qt. heavy saucepan over medium heat, stirring constantly; boil 1 minute. Remove from heat, and spoon over top of bread; let cool completely (about 1 hour).

Please be sure to call or email and let us know if you take a trip to the orchards or bake this yummy bread!

Tuesday, September 22, 2009

The Cobb Association of REALTORS® presents:



Dave Ramsey’s Financial Peace Course


COST: $93.00
(The cost is normally $200.00, this is a savings $107.00)
This cost includes all of your class materials


WHERE: Cobb Association of REALTORS, 444 Manget Street, S-100 Marietta, GA 30060

This course is 13 weeks long. You can only miss one class.

DATES:
Tuesday, September 29, 2009
Thursday, October 1

Tuesday October 6

Tuesday, October 13

Tuesday, October 20

Tuesday, October 27

Tuesday, November 3

Tuesday, November 10

Tuesday, November 17

Tuesday, November 24

Tuesday, December 1

Tuesday, December 8

Tuesday, December 15


All Classes are from 6:00 pm – 8:00 pm. Anyone can attend, so please bring your spouse or your neighbor. Everyone pays $93.00


SPACES ARE LIMITED, SO REGISTER NOW!!!


If you have any questions or concerns, please contact the Association office at 770-422-3900.

Thursday, September 3, 2009

Credit Scores

Here is some information on credit scores courtesy of our business affiliate:


FICO is the nickname of the "Fair Isaac & Company", a credit reporting bureau originated by Bill Fair and Earl Isaac. They designed a statistical model of behavior that assigns a score from 300-850 as an overall indicator of person's overall credit.


This score is made up of five major indicators, with a weighed percentage of influence on the final score.











Payment History

TYPE OF LOAN

  • Credit card, Installments, Mortgage, ect.

ADVERSE PUBLIC RECORDS

  • Bankruptcy, Judgment, Collection
  • Past due items

SEVERITY OF DELINQUENCY

  • How long past due

AMOUNT PAST DUE, DELINQUENT OR IN COLLECTION

  • Time since last derogatory item
  • Number of past due items
  • Number of accounts paid as agreed

Capacity/amount owed

  • Amount owing on accounts
  • Amount owed on specific types of accounts
  • Lack of specific types of accounts ex-all revolving, no installments
  • Number of accounts with balences
  • Proportion of balence to credit limit

Length of credit history

  • Time since accounts opened
  • Time since account activity

New Credit

  • Number of recently opened accounts
  • Number of recent credit inquires
  • Time since an account was opened
  • Time since credit had an inquiry
  • Re-establishment of positive credit history following past negitive history

Types of Credit Used

  • More finance company loans results in lower score
  • Installment (raises) vs. Revolving (lowers)
  • Current to 12 months-accounts


WHAT ACTIONS WILL HURT THE SCORE?
Missing Payments
Credit cards at capacity
Closing credit cards
Shopping for credit excessively
Having more revolving loans
Borrowing from finance companies
Here are some suggestions on how to improve your score:
Pay down
Do not close credit cards
Continue to make payments on time
Slow down
Move revolving debt
If you are in need of assistance or additional information please feel free to call:
Sharon Lintault at 678.631.1741

Tuesday, September 1, 2009

Art in the Park

23rd Annual Art in the Park

Labor Day Weekend
September 5-7, 2009

Art in the Park is held every labor day weekend in Glover Park and is sponsored by the Marietta Business Association.


It spotlights 130 artist including paintings, photography, pottery, graphics, sculptures, jewerley, and much more.

Festival hours are 10:00 – 5:00 p.m. Saturday – Monday, September 5 – 7, 2009.

Admission is free, so bring your family or friends to Art in the Park.

For further information, please contact the Marietta Welcome Center at 770-429-1115 or info@mariettabusinessassociation.com.

*FREE ADMISSION AND PARKING*