The Real Spiel Feb 2011

8/7/2019 The Real Spiel Feb 2011

1/4

Inside this issue:

Finance Eliminated 2

Decorate Open Floor Plan 2

St. Patricks Day 3

Irish Soda Bread3

Best Deals in Louisville Area 4

Beautiful Skin 4

REALREALREALThesp iel

Volume 1

Cindy Droste,REALTOR [email protected]

Hola,I believe I felt the winds ofMarch today, not that Imtrying to hurry springalong or anything. Yes Iam. The market is heat-

ing up and I think itsgoing to be a busy year.If you are thinking aboutdownsizing or lookingfor a starter home for anupcoming college graduate,give me a call.Have a beautiful month,

Cindy

Looking to spruce up your home, but dont

know where to start?From molding to choice of color, theres a lot to

consider before dipping your brush in the paint.Does a room really look smaller with a darkercolor on the walls? Should your ceilings be

white? Do you want to add an accent wall?Here are some tips from Lowes on how to

get started:

Size up your room. How you use color dependson where you use color. Each room has its own

unique elements and function. First think aboutthe structure of the room. Consider its shape and

size. A lighter color can make a small room feelmore spacious, while a darker color can help animmense room seem cozier.

Take into account any architectural details,such as molding, trim, columns, and brackets.

What's attractive and what's not? Varied intensitiesand hues can complement architecture, furnishings,and art. Remember, paint can accentuate a room's

features or hide them.

Your choice of color also depends largely onfunction. Will the main purpose of the room beeating, sleeping, working, entertaining, or something else entirely? A warm hue in the living room

gives a more comfortable and inviting atmospherefor guests than a cooler color.Selecting Interior Paint

Before choosing your paint, think about whereyour room fits into the scheme of things. Where

is it situated in relation to other rooms? Is it ahigh or lowtraffic area? Flat paint, for instance,is best suited for ceilings, walls, surface imper

fections, and anywhere else that a muted low

reflecting surface is desired.

A non-profit littleventure that agroup of realtors (6 of us) have started to help BoysHaven furnish transitional apartments for theiryoung adults.Boys Haven offers a home and a future to childrenand young adults who are at risk and havent found

success in foster care. Currently we are helping

Boy's Haven in furnishing their apart-ments for boys ages 17 to 19 who are on

their way to independent living! To findout more boyshaven.org.

If you or anyone you know has excess furniture,kitchen items, or TV's, please call and we'll ar-range a free pick-up through Boy's Haven or ourpartner 1-800-GOT-JUNK with Robert Burns.

NTRODUCINGOur Group of 6 consists of Sharon Try

Mary Davis, Jane Kottkamp, Lee Jolly,

Debra Cubero and myself. We call our

selves the WAGS (Women's Accoun

ability Group). Together we plan to

accomplish success in our business as

Realtors as well as success through o

business to FURNISHING SUCCESS

with Boys Haven.

Because it takes more effort to remove stains

from this type of paint, a flat finish is best suitfor the lowtraffic areas of your home.

Use lowluster, satin, and eggshell paint oareas where a sheen is desired. These paints easier to clean than flat paint and hold up bet

under repeated washings. They withstand thewear and tear of hightraffic areashallways,

woodwork, kitchens, baths, children's rooms,and playroomsmore easily than other finishe Semigloss and highgloss paint and enamel a

best suited for banisters, railings, shelves,kitchen cabinets, furniture, doorjambs, windo

sills, and any other surface you wish to accentuaBut be carefulthe higher the gloss, the more iemphasizes any surface imperfections.Choosing a Palette Having trouble deciding on your paint paletChoose a design direction. If you've already

chosen an interior dcor or if you're workingwith a room that's already furnished, focus on

favorite fabric color, piece of art or furniture, other object. If you still can't settle on a color like, we offer free computerized paint matching

and custom color mixing. Have color confidencedon't be afraid to pai

bold and bright. If your room is unfurnished, avibrant color can fill it until you can. Consider yourself above all. Paint color shou

reflect your mood and personality. What areyour favorite colors? If you're having trouble

selecting a color, try looking in your closet. Thcolors you enjoy wearing are the ones that mayou feel good. You are the one who has to live

with the color so live with the shades you lov

DIY Painting 101

By Stephanie An


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The Real Spiel

Decorate

an OpenFloor PlanCreate multiple rooms in

one open space withthese easy tips from

Traci Kearns, interiordesigner of the 2008 Southern Living Davidson Gap Idea House inNorth CarolinaUse color for flow.

Choose a color palette to use throughout the floor plan, and stick t

In this home, inspiration cofrom the outdoors. Neutral

greens, browns, and blues gthe space continuity, whilepops of color in accents and

artwork add personal appeMake statements with lighti

Another way to set a space

apart from the other "roomin an open floor plan is to in

stall a distinct light fixture. stead of a chandelier, a largrectangular pendant dresse

a linen lampshade defines tdining area.

Louisville, KYNamed one of America's Best

Places to Live by Livability.co

Poised on the banks of the Ohio River,

city of approximately 714,000 people blemodern urban sophistication and entre

preneurial spirit with a treasure trove o

historic architecture. The city's claim to

fame is the annual Kentucky Derby at

Churchill Downs. Louisvilles revitalized

downtown includes a bustling entertai

ment district and the expansive Riverfr

Park, one of 103 city parks 18 of whic

were designed by renowned landscape

architect Frank Law Olmsted. A true ar

town, Louisville boasts an orchestra, a

resident theater, opera and ballet

companies, and numerous museums.

Government Support of Housing Finance tobe Gradually Eliminated Over Next Five toSeven Years By Alan J. Heavens In a move that had been widely anticipated, the Obama administration said last

week that it wants to get the government out of the mortgage business by windingdown operations at Fannie Mae and Freddie Mac over the next five to seven years.

Fundamental reform is the aim, Treasury Secretary Timothy Geithner said in

announcing the plan to not only shrink the government footprint in housing,

but also strengthen consumer protection and preserve access to affordable

housing for people who need it.

The plan calls for:

Withdrawing government support of housing finance by gradually eliminating

Fannie Mae and Freddie Mac, which would bring private capital back into the

market. The government now guarantees nine of every 10 home loans, which

Geithner says has discouraged private capitals return.

Leveling the playing field for private capital by gradually making it more

costly to get a loan at Fannie and Freddie.Reducing conforming loan limitsthe maximum size of loans the two govern

mentsponsored enterprises (GSEs) can guaranteeafter temporarily increas

ing them, as scheduled, on Oct. 1. Geithner said the administration would work

with Congress to make other changes in the future.

Phasing in a 10% downpayment requirement for Fannie and Freddie borrow

ers, to further protect taxpayers.

Winding down Fannie and Freddie investment portfolios at the current annual

rate of 10%.

Sprinkle on these spicy ways to stayhealthy Pricilla TottenGinger and garlic are known to have medicinal properties,but how about lemongrass, nutmeg and thyme? Most Americans

"don't take full advantage of the wonderful world of

spices," writes Bharat B. Aggarwal, author ofHealing

Spices. He touts 50 spices that may help prevent or heal

certain conditions or diseases:

Bay leaf.

This small dried leaf, when it's cooked, releases its array

of antioxidants. It's a natural medicine for cancer,

art hri tis, ulcers, wounds and mosquito bites. "Look for

leaves that are whole, uniform in size and color, and free

of stems and bark," Aggarwal says. "The darker the color

and the larger the leaves, the better."Cumin.

In a study from India, cumin was found to be just as effective

as an antidiabetes drug in controlling diabetes in lab rats.

It also has been shown to protect bones and help prevent

food poisoning. Aggarwal recommends buying cumin as

whole seeds rather than ground.

Horseradish.

This spice was used as a medicine before it was used as a

food. It can clear congestion, reduce inflammation,

fight viruses and bacteria, and relax muscles. Aggarwal

recommends buying it prepared and preserved in vinegar:

"Itwon't give you the same zing of fresh horseradish.


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Page 3Volume 1, Issue 32

This is not intended to solicit currently listed properties, information deemed reliable, but not guara

An elderly shopper at oursupermarket used a check tobuy such items as cotton balls,cotton swabs, powder, and colcream. On the memo line, she

written, "Repairs."

Tips for Sofa ShoppingInspect the framehow its constructe

hardwood glued and doweled or

screwed together. Quality of the finishwelts, tucks,

cording.

Spring constructionof the seat and

back cushionspring/down or foam

Cities Where Home Prices

Will Rise in 2011

The following is a list of 10 cities thatClear Capital expects will rise in prope

value in 2011:

1. Washington, D.C.: 6.5 % price increas

2. Houston: 3.6 % price increase

3. Honolulu: 3.4 % price increase

4. Memphis, Tenn.: 3.2 % price incre

5. Columbus, Ohio: 2.1 % price increa

6. Dallas: 1.4 % price increase

7. New York: 1.3 % price increase

8. Birmingham, Ala.: 0.9 % price increa

9. Pittsburgh: 0.8 % price increase

10. New Orleans: 0.5 % price increasSource: Where Home Prices Will Rise, Fall the Most in2011, MSNBC (Jan. 26, 2011)

ILOVE LOUISVILLE ORIGINALS and was glad to find this Irish Soda Bread recipe

from this wonderful restaurant on their website. I like to add raisins, currants or

dried cherries to my bread along with a little brown sugar. Cook some corned

beef in a crock pot-toss in the cabbage for the last hour and your have a

wonderful celebration meal.

Try this recipe from Michael & Siobhan Reidy from The Irish Rover

BROWN SODA BREAD1 cup white flour

2 cups whole wheat flour, preferably coarse

tsp salt1 tsp baking soda

1 T. butter

1 + cups of buttermilk

Preheat oven to 450.Stir dry ingredients together with a fork. Cut butter into

dry mix. Make a well in the center and pour in buttermilk. Stir to mix well, making

a slightly sticky dough. Turn out onto floured surface. Working the dough as

little as possible, pat it into a round loaf. Place on a greased baking sheet and

bake for 10 minutes. Lower heat to 375 and continue baking for 3040 minutes.

Bread is done if tapping the bottom of the loaf produces a hollow sound. A

spoonful of brown sugar may also be added to the dry ingredients for a sweeter

loaf. Cook Time: 45 Min

St. Patrick's Day March 17thThe CelebrationCorned beef and cabbage is a traditional St. Patrick's Day dish. In 2007, roughly

41.5 billion pounds of U.S. beef and 2.6 billion pounds of U.S. cabbage were

sold. Many St. Patrick's Day celebrants enjoyed corned beef from Texas, which

produced 6.8 billion pounds of beef, and cabbage from California and New

York, which produced 581 and 580 million pounds, respectively.

Irish soda bread gets its name and distinctive character from the use of baking

soda rather than yeast as a leavening agent.

Lime green chrysanthemums are often requested for St. Patrick's Day parades

and celebrations.

The ParadeThe first St. Patrick's Day parade took place in the United States on March 17,

1762, when Irish soldiers serving in the English military marched through NewYork City. More than 100 St. Patrick's Day parades are held across the United

States. New York City and Boston are home to the largest celebrations.

At the annual New York City St. Patrick's Day parade, participants march up 5th

Avenue from 44th Street to 86th Street. More than 150,000 people take part in

the event, which does not allow automobiles or floats.

Places to Spend the DayThere are four places in the United States named after the shamrock, the floral

emblem of Ireland: Mount GayShamrock, WV; Shamrock, TX; Shamrock Lakes,

IN; and Shamrock, OK.

Nine U.S. towns share the name of Ireland's capital, Dublin. With 39,328

residents in 2005, Dublin, CA, is the most populous, followed by Dublin, OH.


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PRST STU.S. Posta

PAIDLouisville,

Permit No.

Cindy Droste,REALTOR [email protected]

2109 Outer Circle $325,0004 bedrooms 3.5baths

Extra 3car garage, 2.2 acres

Best Deals in Louisville Area Real Estatetate

2011CrookedCreekCourtOldhamCounty

$299,000

4bedrooms

2Full/2halfbath

5705CloverDr.$214,0003bedrooms2bathsThere will never

be a better time to buy house. Interest rates icombination with lower

prices and high inventormake this an opportunetime to purchase a home

Take advantageif you can.

InterestRatesFixed 30 Year Purchase4.875%Fixed 30 Year Refinance5.125%Fixed 15 Year Purchase 4.25%Fixed FHA 30 Year 4.75 %restrictions apply

Saturday, March 199 6

Sunday, March 2010 5

Kentucky ExpositionCenter

Beautiful skin beginsn ... the kitchen Christine J. Kim

hink eating right is good only for longterm

ealth? Many common skin problems originate

s a result of poor diet choices, says ScottVincentorba, author ofSkintervention.

Who knew the road to beautiful skin couldegin in the kitchen? "The key is having food on

and that will work with your skin," he says.orba recommends rearranging your pantrynd making these skinhealthy additions to

make face and figurefriendly meals easier torepare:

live oil. It's not only nutrientrich and helpful

or digestion, Borba says, but it's also moisturizingnd "will give your skin that extra glow, as it

ctually hydrates your skin from the inside out."

Green or berry-flavored teas. They contain

polyphenols antioxidants that help skin look

younger. They also help the body break down

collagen in skin production.

Pudding and fruit cups. They have moistureabsorbing gelatin or pectin bases that help your

body hold moisture and nutrients.

Oatmeal. It's a a natural antiinflammatory

agent that helps regulate your skin's pH balance

to soothe and lock in moisture.

Tomatoes. Whether raw or in naturally

processed ketchup and tomato sauces, they are

excellent sources of lycopene, a hydrator and

antioxidant. Borba recommends eating a tomato

a day, which will "exponentially help with

hydrating and brightening your skin."

Give me a

call for a

discount

ticket

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The Real Spiel Feb 2011