The average home price in 2008 was $220,921; in 2009, it was $223,123, and in 2010, it was $199,996.  Those figures, in our opinion, represent what we have been seeing happen.  In 2008, sales were still strong and prices were at their height.  In 2009, sales were off, but prices were not coming down like one would expect.  During 2010, prices are definitely lower.  We have been telling our clients that prices are down by about 10%.  These figures substantiate that information.

We feel like it is a really good time to buy.  Prices are down and interest rates are still low.  If you have been sitting on the sidelines waiting for the right time, now is the time to jump in!  Give us a call. We’d love to help you find what YOU are looking for.

For more information, go to  www.BluffCreekClassicCars.com or call 830-634-2424.

There are so many factors to consider when choosing a place to stay in the Hill Country.  Location, price, ambiance, and comfort are, in our minds, the most important.  We currently have 3 wonderful places to choose from in the Comfort – Center Point – Kerrville area, each with their own uniqueness to offer.

• Old School House B&B – Romantic Weekend Get-a-way in a One Room School House just outside Comfort, Texas – Private – Top Notch Amenities – Hill Country Views – Close to Wineries – $115 p/night, $220 p/ weekend (includes 1 complimentary bottle of “Old School Chardonnay”).

• Verde Creek Cabin (with Full Kitchen) – Creekside Cabin under a canopy of Cypress & Pecan Trees in Center Point, Texas – Very Serene – Relax on the Porch & Calm the Stresses of Life – Weekend and Vacation Rental Rates – $198 p/weekend.

SORRY, Both Locations booked through the Summer. For availability after that, please give us a call at 830-995-2511.

It would seem that we are still experiencing negative growth here in the Hill Country.  We have heard many economists predict that since the downturn was felt much later here than the nation as a whole (and certainly much less severe), it is likely that the upturn will be felt later as well.

Certainly there is much more activity though.  We are hopeful that that will translate into more sales for the upcoming months.  We’d like to here your predictions.  Feel free to comment.

• Workshops
• Exhibits
• Demonstrations
• Family Friendly Kid’s Learning Activities
• Live Music
• Belgium Beer & Ales
• Healthy Cooking Demos
• Natural Organic Food Cafe

Over 7500 people are expected to attend this gathering.  You won’t want to miss it!

Hours:

• Friday, 9/25 – 12-6p.m.
• Saturday, 9/26 – 9-6p.m.
• Sunday, 9/27 – 9-3p.m.

A 3-day pass is available at $20.  Daily passes are:

• $10 – Friday, Sunday
• $12 – Saturday
• Children under 12 are free

For more information, Go to www.TheRoundup.org

The event raised money for our troops coming home, with emphasis on those having suffered Traumatic Brain Injuries while in combat. Check out VoicesofAGratefulNation.org for more information.

It was great fun! Here are some pictures for your enjoyment:

Here’s a short clip of the song played.

Source: Comfort.txed.net

Friday evening:

Berges Fast Pageant from 6-8 with music extending later

Saturday morning:

10-12 Parade (Starts at North Main at Frederick by the Fire House and Ends at River Road)

Weekend Festival Hours (at Herff Park):

Saturday 10-4 with music extending into the evening hours,  Sunday 12-? with music also extending later.

Special Events:  Lawnmower Races, Washer Pitcher Tournament, Egg Toss, Balloon Stomp, Tug of War, Dachshund Races, Horseshoe Pitching Tournament, Little Tractor Races.

Parking $5.00 per car.

For more information, go to the BergesFest website.

What you’re looking for on your report are factors that could be affecting your score. Look for errors in the report, such as accounts that aren’t yours, late payments that were actually paid on time, debts you paid off that are shown as outstanding, or old debts that shouldn’t be reported any longer (negatives are supposed to be deleted after seven years, with the exception of bankruptcies, which can stay for as long as 10 years).

After repairing errors, the fastest route to a better score is paying down balances on credit cards, says Watts.

Though it’s not an instant cure, paying down credit lines over a two month period can boost your score a substantial amount, and may be enough to put it over the edge if you’re lurking just beneath the next tier of loan pricing.

Had a few late payments in your past?
Even if you’ve paid your bills late in the past, you can improve your credit score by paying every bill on time from now on, says John Ventura, a consumer law attorney and author of “The Credit Repair Kit.”

“Forget about grace periods,” he says. “If you want to have a really good record with the credit agencies, pay your debt before it’s due and keep your balances low.”

A big no-no
One thing you shouldn’t do if you’re just trying to boost your score is close unused accounts, Watts says.

“If someone tells you to close unused accounts to improve your score, they’re pulling your leg,” he says. “It won’t help you and it can hurt you.”

Closing unused accounts without paying down your debt changes your utilization ratio, which is the amount of your total debt divided by your total available credit.

“You appear closer to maxing out your accounts,” he says. “That’s why your score can drop. It doesn’t mean people shouldn’t close them, but don’t close them to improve your score.”

If you do cut up cards, though, leave the oldest one open, says Steve Rhode, former president of Myvesta.org, a national nonprofit financial crisis center.

The length of your credit history is another factor in your score. If you close the account of the credit card you got when you were a freshman in college and leave open the ones you just got within the last couple years, it makes you look like a much newer borrower.

“Keep a couple of the oldest open; I don’t care what the interest rate is,” he says. “Creditors don’t care what the rate is.”

Working with credit card balances
Another strategy for bringing up your score: Transfer balances from a card that’s close to being maxed out to other cards to even out your usage, says David Chung, managing director for Maryland-based CreditXpert Inc., which provides credit tools to lenders. Or just spread out your charges between a few cards.

“Try to get the usage on all of them at 20 to 30 percent instead of a bunch at zero and one at 80 percent,” Chung says. “You’re not spending less, you’re just shifting it around to different cards.”

It could work, Watts from FICO says. “Transferring the balance to a card with a lower utilization could help,” he says, “but it’s much better to actually pay down the debt if you have the cash kicking around.”

If you’re really into finessing the system, check your credit report to see what day of the month your creditors send updates on payments to the credit bureaus, Chung says. They’re rarely on the same cycle as your payment due date. That’s why you can pay off your card every month and your credit report will show you carrying a balance. Then, make your payments several days before the reporting date.

All of these strategies generally take at least 30 days because lenders don’t report payments more than once a month.

Rapid rescoring
If you’re in the throes of qualifying for a mortgage and need a score boost in a hurry, you can speed the process along with rapid rescoring. If you’ve got legitimate negative information on your credit report, such as late payments or accounts in collections, you’re out of luck. But the process of rapid rescoring can help increase your score within a few days by correcting errors or paying off account balances.

You can’t do this one yourself; you’ll need a lender who is a customer of a rapid rescoring service. Generally, the service will run roughly $50 for every account on your credit report that needs to be addressed, but it could save you thousands on your loan.

If a consumer can find a lender who is a customer of a rapid rescoring service, new information can be posted within 72 hours, Watts says.

Some nifty online tools are available to find out which strategies could have the most impact on your score. Fair Isaac’s www.myfico.com site offers a credit score simulator when you purchase a credit score. It offers seven simulated scenarios, such as how paying down your account balances — or not paying any of your bills on time this month — would affect your score.

CreditXpert’s “What-If” simulator lets you play with several variables, such as buying a car, paying off a student loan and opening a department store account, all at the same time. They don’t sell the simulator directly to consumers, though. You can get a list of places that do sell it on the consumer page of its Web site.

The bottom line, the experts say, is that you’re not powerless when it comes to your credit score.

“There are a lot of things you can do to improve your score,” Chung says. “You need to understand what your credit is like now and what’s influencing your score today. Then you can take an objective look at the different options available.”