Friday, November 18, 2016

The Holiday's are HERE!



Holiday Happiness
Or Is It Holiday Craziness?
Part I
That time of year is HERE!  Time for gifts, parties, food, traditions and family… Giving Thanks, Sharing, Caring, and Being a Blessing along with Hope for a New Year!  Thanksgiving, Christmas and New Years are upon us and with the first of these wonderful events only days away, we know that you, like most all of us, have lot’s going on. 
It happens every year, right?!  But still, when it’s here, we wonder how it happened so quickly.  And it seems to come quicker and quicker every year – The HOLIDAYS!!!!  For some, this is a most joyous occasion but for others, the holidays can be overwhelming.  Here at The Goebel Team, we know this to be true also.  We hope this list of tips to help de-stress the holiday’s helps you enjoy this time of year with your friends and family.  Be sure and check back for Part II next month!  

HOLIDAY SURVIVAL TIPS
Thanksgiving:

  • ·         Check in with yourself and your family
  • ·         Be clear about your priorities
  • ·         Rethink gift-giving
  • ·         Take good care of yourself
  • ·         Schedule free time
  • ·         Reach out
  • ·         Get organized
  • ·         Ask for help
  • ·         Temper expectations
  • ·         Keep a sense of humor


Christmas:

  • ·         Put your own family first
  • ·         Delegate to the elves
  • ·         Don’t be afraid to change a tradition
  • ·         SIMPLIFY!
  • ·         Demonstrate spirit
  • ·         Buy for yourself!
  • ·         Send Christmas cards to strangers
  • ·         Limit your gift giving
  • ·         Stop and smell the holly bush

·         YOU TELL US – Give us your favorite tips for getting through the Season!  





Thursday, November 3, 2016

Veterans Day 2016



In Honor of Veteran’s Day

Mick and Jane Goebel, along with Tina Edmonds, of the Goebel Team located in Murphy, NC, would like to take this opportunity to say “Thank You” and to Honor to all those who served honorably in the military - in wartime or peacetime.

In fact, Veterans Day is largely intended to thank LIVING veterans for their service, to acknowledge that their contributions to our national security are appreciated, and to underscore the fact that all those who served - not only those who died - have sacrificed and done their duty. --http://www.va.gov/opa/vetsday/vetday_faq.asp

We would also like to give some interesting facts about Veterans Day.

Veterans Day Frequently Asked Questions

Which is the correct spelling of Veterans Day?
Veterans Day –
Veterans Day does not include an apostrophe but does include an "s" at the end of "veterans" because it is not a day that "belongs" to veterans, it is a day for honoring all veterans.

Why are poppies used for Veterans Day?
The red remembrance poppy has become a familiar emblem of Remembrance Day due to the poem In Flanders Fields. These poppies bloomed across some of the worst battlefields of Flanders in World War I; their brilliant red color became a symbol for the blood spilled in the war.

Veterans Day VS Other Holidays
Like Memorial Day, Veterans Day also honors war veterans; however, the distinguishing difference between the two holidays is that Veteran’s Day celebrates all veterans – living or dead. Memorial Day is reserved to honor and pay respects to the military lives that have been lost. Veterans Day is celebrated on November 11th each year.
Unlike Memorial Day and Independence Day, Veterans Day is a relatively new holiday. Originally called Armistice or Truce Day, this day got its name upon the conclusion of World War I. Following subsequent wars, Congress was pressured by a group of veteran supporters to change the name of Armistice Day to Veterans Day. In 1954, Congress passed Public Law 380 proclaiming Veterans Day a public holiday. While there were a few date changes along the way, November 11th is still the date we honor America’s veterans for their patriotism, love of country, and willingness to serve.

An Easy Way to Honor Veterans

On any of these given holidays, it’s easy to honor our current servicemen and women and veterans in a variety of ways. One of the easiest things you can do (and could potentially be extremely beneficial) to a veteran and/or spouse of a veteran is to inform them of the veterans Aid and Attendance pension benefit that can help them pay for the cost of care. Please refer them to www.VeteranAid.org or have them call (866) 913-2555. So many veterans are missing out on thousands of dollars to help them pay for costs of care. Please help us spread the word of the Aid and Attendance benefit.

Ways to express your appreciation!

  • ·         Show Up - Attend a Veterans Day event in your area 
  • ·         Donate - There are many wonderful organizations you could choose from
  • ·         Fly a flag – correctly - Check out Military.com's guide to the flag
  • ·         Ask someone about their service - It seems like we all know someone who has served and Veterans Day is a great time to ask them about their service. Some questions to get started are: What did you do in the military? How long did you serve? What was your favorite moment in all your time in the service? Did anyone else in your family serve? Why did you choose to go into the service branch you did?




So, on this Veterans Day, November 11, 2016, we say
Thank you for your service and may God Bless You!






Financing Your Home



Financing Your Home

Buying a home can be overwhelming!  That’s why it’s so important to find a reliable, qualified Realtor!  With the Goebel Team, you have just that- Qualified, Reliable, Trusted, & Proven!  Mick and Jane Goebel are all those things and more.  They can guide you through the home buying process and they do it not only with confidence, but with HEART!  They truly care about their clients and making sure the process is as smooth and seamless as possible.  One of the most overwhelming aspects of buying a home is the financing.  Mick and Jane can help you not only find the right home but also help you find the right lender for your specific needs.  Listed below are some of the facts about the lending process and getting pre-approved for one of, if not, THE most important purchase you’ll ever make.  Read through the information below and click on the link for more info!   When you are ready, just give us a call and we’ll be glad to help you navigate the unfamiliar territory.  In the meantime, browse our listings to find your new home! 

Website:          www.mickandjane.com     
Email:              jane@mickandjane.com

Office – 828.837.7322             Cell – 828.361.9442


How your credit score affects your mortgage rate
The most influential determinant of your mortgage rate is your credit score. The higher your credit score, the lower the interest rate on the mortgage.  Borrowers with high credit scores tend to get lower interest rates on mortgages than borrowers with low credit scores.
  • A credit score of 740 or higher qualifies for the best interest rates from most lenders.
  • It is difficult, but possible, to get a mortgage with a credit score under 620.
  • The difference between the best and worst rates can vary by a full percentage point and a half.
A credit score of 740 or more should qualify for the best mortgage rates from most lenders. Depending on the lender, the mortgage rates offered to the highest and lowest credit tiers can vary as much as a full percentage point and a half, says Louis Spagnuolo, a former vice president of mortgage banking at WCS Lending in Boca Raton, Florida.

·        What lenders look for
o   Lenders prefer borrowers with low balances, a long history of on-time payments and a mix of credit utilization
o   Lenders look at several variables on the credit report:  
      •  Outstanding debt  
      • The outstanding debt relative to the total available debt  
      • The length of the credit history  
      • The pursuit of new credit -- how many inquiries are on your report
·        How to clean up your credit
o   Check your credit report a year or so before buying a home.
o   Correct errors in the report and change ways you use credit to improve your score.

·        Correct and wait
o   All 3 credit bureaus make it easy to dispute errors online
o   If everything is correct, pay down balances and let time do the rest
o   The credit reporting agencies do charge a fee if you want to know your credit score. Lenders look at all 3 scores and use the middle one

·        What else you can do
o   If you're buying a home soon, try not to apply for new credit
o   Though it's not always avoidable -- for instance, if you need a car loan or college financing -- you should resist opening several new lines of credit in a short time.
o   Multiple new accounts can decrease your credit score.