Where Can I Find The Cheapest Gas Prices?

I’ve been asking myself this same question! I can hardly believe that gas is hovering around $4/gallon.  It hurts just to think about it. Anywhere, there are many websites floating around now that offer a list of the gas stations in your area and what the price of gas is. You may not save a lot, but 2 or 3 cents per gallon adds up over time.  Here are a couple of my favorite cheap gas websites.

GasBuddy.com
http://www.motortrend.com/gas_prices/index.html

 

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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So Close to $4.00 per Gallon

I was out driving in La Grange, KY this afternoon around lunch time and I saw it – a gas station with $3.95 per gallon for regular unleaded gasoline (the Chevron at the corner of Crystal & Hwy 53).  We’re so close to $4.00 – I bet we see it next week.  I just can’t even imagine! 

What are you doing to help with the gas pinch (and the grocery pinch – those prices are skyrocketing too!)? Share your tips and later I’ll post with all of our tips for saving a few bucks!

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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How about that Earthquake, Kentucky?

OK, so the earthquake was actually centered in southern Illinois.  I don’t know about you, but I felt it quite well in my little LaGrange, KY home.  My husband and I woke up to a shaking house and a bed that felt like we had just dropped a quarter into one of those old (and a little questionable) hotel beds! 

Now, if you are from out west where earthquakes are common – you have to remember that like a foot of snow in the winter, earthquakes just don’t happen all that frequently here in the midwest (they probably happen just as frequently as a foot of snow!).  People here get a little nervous when things out of the “norm” tend to occur.

Anyway, in the spirit of education, here is a link to the American Red Cross site on Earthquake preparedness. I use to be a girl scout, so you know, you can never be too prepared! 🙂 

Another thing to take into consideration is earthquake insurance on your home.  Since we Kentuckian’s do live near the New Madrid fault line, it is a very good idea to have this coverage on your home.  I believe it is offered as a rider to your regular home owners insurance (home insurance providers feel free to chime in or correct me!).  Yeah, I know, we haven’t had an earthquake that rocked our world in quite some time, and the New Madrid fault line hasn’t produced a massive quake since 1811.  However, some experts do believe that we could see one in our life time, so it can’t hurt to be prepared.

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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Kentucky Derby Time Is Here Again!

Spring is here and the buzz is starting – no not bumble bee’s – the Kentucky Derby!  In just a few short weeks, the 134th Running of the Kentucky Derby will be upon us.  If you live in or near Kentucky you know we live and bleed the Derby.  It’s amazing the events that go on between now and the “First Saturday In May”.  Derby events kick off next weekend (April 12) with Thunder Over Louisville, “the largest annual pyrotechnic display in North America” (www.thunderoverlouisville.com). It really is amazing if you’ve never seen it.  People come from all over just for Thunder Over Louisville and stay for the great events that we have over the two weeks before Derby.

 

Just how MUCH fun do we have during Derby?  We have parties – complete with all the big named celebrities. We have races with hot air balloons, waiters/waitresses, steamboats, soap boxes and more. We have wine festivals, huge golf tournaments, and parades too!  And that’s just the tip of the iceburg!  Learn all about our Derby Festival events at www.kdf.org.

 

In fact, people love the Derby so much, there’s even a new documentary opening April 18th  called “The First Saturday In May”. It’s opening Nationwide, so make sure you check it out. It’s sure to be a hit!

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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Do You Remember Hunting for Easter Eggs?

Hunting for Easter Eggs is always fun – it doesn’t matter if you’re 2 years old or 80 years old.  Finding a prize is always fun. I remember one Easter in particular. My sister and I had to be about 7 and 5 (I being older) and we were out in the back yard playing and we kept finding black jelly beans in the grass. It was the coolest thing (you know, back in the good old days when no one was really paranoid about eating things that fell in the dirt?)!  My sister and I ran around the yard collecting all of these jelly beans in the yard and having the best time.

 

Anyway, in the spirit of the Easter Egg hunt and good memories, here are a list of local places that are offering Easter Egg hunts for the kiddos!  Make sure you bring your camera and your video camera – it’s sure to be a good time. 

 Douglas Community Center
2305 Douglass Blvd, Louisville
March 15, 2008
10:00 AM – Noon
This is an Easter Egg Hunt and Party.  The Easter Bunny will be there too and the cost is FREE!

Central High School
March 22, 2008
11:00 AM – 1:00 PM
Free for children 1-12 (accompanied by a parent or guardian)
Meet the Easter Bunny, Easter Egg Hunt, and prizes

 E.P. Tom Sawyer State Park
Eggstravaganza
March 22, 2008
Beginning at 12:30 PM – ?
Free event for the whole family.
Meet the Easter Bunny

Egg Hunt Schedule:

1:00 PM – Ages 0-2

1:10 PM – Ages 3-4

1:20 PM – Ages 5-7

1:30 PM – Ages 8-10

 

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

 

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Kindergarten Registration in Oldham County

Do you have kiddo’s that are going to kindergarten this August?  If so, it’s time to get them registered for school (can you believe how fast time has gone? Mine started Kindergarten this year!).  Parents should sign their children up at the school they are districted to attend (not the school you want them to attend). Click here to find out what school your child is districted to attend.

You can sign your child up on the following days:school news

Tuesday, March 4 from 4:00 PM – 6:00 PM
Wednesday, March 5 from 9:00 AM – 1:00 PM

If your child is districted to attend the new Locust Grove Elementary School, registration will be held at Camden Station Elementary in Crestwood.

When you go to sign up your child for Kindergarten, there are also a few things that you’ll need to bring with you and a few doctors appointments you may need to make (you can read more about these things here) :

To Bring with you: 

Birth Certificate
Proof of Residency in Oldham County (Drivers License is not accepted)

Appointments to Make:

Get Immunization Shots up to date (needed before the child starts school)
Appointment for an Eye Examination (must be done before Jan 1 of the child’s school year)

Note: There is a special form that needs to be completed for the eye exam. You can find that form here under the heading for Eye Examination.

If you have any questions about Oldham County or the School system (from a mom’s perspective), let me know – we can go chat over coffee!

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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The Home Buying Process

If you are preparing to buy your first home you may be feeling overwhelmed.  Should I start calling the numbers on all of these For Sale signs and start looking at houses? What do we do if we find “the one?”  Using a Realtor® will help make the process of buying your new home easier. That’s where I come in! I can help you manage all of the steps to buying your first home or your fifth home (and everything in between).

So now I bet you’re wondering what the steps are to buying a home, right? I’m glad you asked! Here are the basic steps involved. There could be additional steps depending on the situation, but in a perfect world here’s what you can expect:

  • Choose a Real Estate Agent.  Call several and find one that you really connect with.  If you don’t get along with your Agent it’s going to make working together much more difficult. You want to find an Agent that will be open and honest with you and one that you can be open and honest with as well.
  • Find a Lend and get Pre-Approved for a Home Loan.  This is a very important step. Please don’t skip it.  You will have more negotiating power if you get pre-approved for a loan.  Home sellers want to know that they are negotiating with someone who will be able to follow through to the closing table.
  • Begin the Home Search. This is where it gets exciting! The agent that you have chosen to work with will begin sending you homes to consider. They will schedule appointments to look at homes with you and you may even find “the one” in the first few that you see.  Also, as you are driving around town, if you see any For Sale By Owner (FSBO) homes that look appealing, let your agent know. In most cases, your Agent can show you FSBO’s too!
  • Find “The One” – Let’s Make a Deal!  So you’ve looked at dozens (or more!) homes and you think you’ve found the perfect home.  Congratulations!
    • Your Agent will now write up a contract
    • Go over the contract with you and explain all the legal lingo
    • Negotiate with the Seller or Seller’s Agent to get you the best price.
  • Inspect the Property.  This is the time to inspect the house for any hidden problems.  You can use the inspection period to evaluate that heating & cooling systems, the septic system, termite problems, mold, radon, etc. You can inspect anything you want to inspect during this period of time.  The cost of the inspections are paid by the Buyer.
  • Negotiate any Inspection Items of Concern. Once you have the home inspected, you may have had some issues pointed out to you that you were not aware of.  If there are inspection items that you would like the Seller to repair before you purchase the home, your agent will negotiate these for you.
  • The Property is Appraised. The Bank/Lender that you chose at the beginning of the process will contract with an appraiser to view your property and estimate its value.  If the property appraises below your accepted offer, there may be more negotiating to do. 
  • Title Search is Run. The Bank/Lender that you chose at the beginning of the process will also run a title search on your property. This will help to ensure that the property you are about to buy has no liens against it or any other hidden issues related to the property.
  • Set a Closing Date. Your chosen Lender will be in touch with you to set a closing date and time.  There is some wiggle room on the date/time of your closing, so if there is a conflict let your Lender know; they may be able to work with you.
  • Do a Final Walkthrough. It is always a good idea to walk through the home a day or two before you go to the closing table to make sure that the house is clean and that no unwanted “items” have been left in the house. I have seen people try to leave beds, fish tanks (complete with fish), and other unwanted items behind for the new owners to try and get rid of. The Seller should remove all items from the house; your agent can work to get unwanted things removed.
  • It’s Closing Time. In the Commonwealth of Kentucky the Buyer and Seller will usually be present to sign all the necessary documents and pass over the keys (unless otherwise negotiated).
  • Go Home! Congratulations! You just bought a new home.  You can move in whenever you’re ready.

Kelly McDonald, Realtor®
Semonin Realtors
www.KellySellsKY.com

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