Life...Fun and Kentucky Real Estate

Every now and then you just have to revamp things. I guess you've noticed it's been about a week since I have posted on my blog. I've taken a little time to make changes in the office like buying new computers. It sure is nice to have these Windows 7, Asus computers with loads of memory.

Also by tomorrow, I will install the Sprint wireless Hotspot for my Internet connection. I had been using mySprint aircard but could not use it on all the computers like I will be able to with the Hotspot. Once activated, we will have access to all computers within 150 feet. My assistant Jane is going to love this!

Ahhhh....change is good. I like to change things up all the time. Like hairstyles and clothes. It's exciting what is going on in my office now that we are headed into the 2nd year. New ideas and deals in the works. Nice to always have something to look forward to.

Lexington KY First Time Home Buyers - Tax Credit Advantage - Buyer's Costs of Delaying

Lexington KY First Time Home Buyers that have been delaying in purchasing a new home might want to reconsider. Many have waited through the holidays to get started finding a home in Lexington KY.

I have a chart below that was prepared by Charles Dailey, to show the costs of waiting to buy a home. Time will go by fast before the deadline and you will need to have your contract written and be in escrow by April to get the tax credit advantage for those that qualify.

Get off the fence and let's get touring some Lexington KY homes for sale now!

Below is a mortgage expert, Charles Dailey's explanation of why you should not delay and take advantage of the tax credit.

Via Charles Dailey (iLoan):

Ever since the first version of the first time home buyer tax credit, home buyers have been eager to engage but uncertain about home values and for some, this has caused them to sit on the sidelines. 

I am not writing to suggest that this consideration is good or bad cause for not taking advantage of the first time home buyer tax credit.  I'm strictly writing from the perspective of a financing nerd. 

Two influences will converge in April of next year that should serve as the decisive factors for causing first time home buyers to understand that this time, waiting will have a cost.  What's more, that cost can be quantified.

 The first factor concerns the expiration of the first time home buyer tax credit.  Sen. Benjamin Cardin introduced S.B. 1678 with bi-partisan co-sponsors (including Harry Reid) and it will only extend the credit for 6 months from its expiration date. 

The 6 month extension was a disappointment for those who were hoping for a 12 month extension but Zillow estimated that a 12 month extension would cost approximately 14.86 billion based on current trends if that were to happen and 6 months seemed to be the fiscally responsible compromise. 

This bill would set the tax credit to expire at the end of May and it doesn't look likely that it would be extended barring a double dip recession.  It did not pass overwhelmingly and there was a of of opposition to the cost.

The second factor has to do with Ben Bernanke and the Fed.  In an effort to keep mortgage rates low and the secondary market machinery of the mortgage industry working, the Fed agreed to purchase 1.25-1.45 trillion dollars of mortgage backed securities.  Estimates of the impact of this effort on interest rates ranges from lowering them by 0.375% to 1 % but I find 0.5% to be credible.  The MBA rate forecast also lends credence to this assumption (shows rates going to 5.7 by year's end). 

The Fed has announced that they will bring an end to this effort by March of 2010. 

Consequently, we can expect a bump in rates in April of 2010 barring a double dip recession.  What's worse is that there have been rumors that the Fed is doing to start selling some of what they bought and this could have the effect of driving rates up faster.

These two changes could cost first time home buyers tens of thousands of dollars if they don't act in time.  Not only does an interest rate that's ½ of one percent lower create a lower monthly payment but it pays down the principal balance faster on the front end of the amortization cycle. 

If these two factors are added to the value of the tax credit, the exact loss (financially speaking) to first time home buyers can be calculated if the assumptions are to be trusted. 

Here are some examples:

Purchase Price	$125,000.00	$150,000.00	$200,000.00	$225,000.00	$250,000.00	$275,000.00	$300,000.00	$325,000.00
Loan Amount	$120,625.00	$144,750.00	$193,000.00	$217,125.00	$241,250.00	$265,375.00	$289,500.00	$313,625.00
10 year monthly payment differential assuming ½ point change to rate	$4,482.53	$5,379.03	$7,172.04	$8,068.55	$8,965.06	$9,861.56	$10,758.07	$11,654.57
10 year amortization differential assuming ½ point change to rate	$1,446.21	$1,735.45	$2,313.93	$2,603.17	$2,892.41	$3,181.65	$3,470.89	$3,760.13
tax credit	$8,000.00	$8,000.00	$8,000.00	$8,000.00	$8,000.00	$8,000.00	$8,000.00	$8,000.00
Potential Loss of Waiting	$13,928.74	$15,114.48	$17,485.97	$18,671.72	$19,857.47	$21,043.21	$22,228.96	$23,414.70

While it may have been unclear before as to when the right time to jump into the market might be, these factors combine to calm some nerves because even if home values do dip again at the end of the year, the savings from the combination of capitalizing on lower rates combined with the tax credit should offset value drops, should they occur. 

Zillow's analysis of current market trends shows that, if the credit had been extended for 12 months, a total 1.86 million first-time home buyers would purchase homes between Dec. 1, 2009 and Nov. 30, 2010. 

We didn't get the credit extended that far.  I wonder how many are going to pack those plans into the first part of the year. 

Well we've got less than six months now so let's saddle up!

Get started below...

Lexington KY Homes For Sale

Read the Herald Leader Interview with Lizette Realty discussing Kentucky Relocation.

REQUEST A KENTUCKY RELOCATION PACKET!

Finding a new Lexington KY home has never been so easy!

 

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

For more information on Lexington KY Homes for sale 

click on Lizette.us.

 Copyright ©2010 *Lexington KY First Time Home Buyers - Tax Credit Advantage - Buyer's Costs of Delaying*

 

There's nothing like a little dancing and some funky moves to make your spirit soar.

Put down your coffee, get up out of that chair, turn up the volume

and click play on this this video.

You may want to play it twice and then forward it on.

This song and dance was performed by the Black Eyed Peas

and thousands of people in Chicago for Oprah.

There is no path...you make the path as you walk...

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

Career opportunities in Lizette Realty 

Where's my coffee? I was thinking of getting up hours ago but then the thought just drifted away and I was back asleep. Chanel my puppy is making that impatient sound like a pig huffing to irritate me into getting out of bed. Well...it's working. Who needs an alarm clock??

Now I'm up to open the drapes and I can see that it has been snowing. O great! My mind starts clicking ahead to what I need to do today. Would snow be a problem?

When you work in real estate, the weather plays a major factor in how we plan tours for our clients. For one thing you have to find where you stored those long johns you used last year for skiing!

I finally find them and realize that I must have gained about 20 pounds during the holidays when I was submersed in all that chocolate! 

Man...these things are tight and now I have to squeeze into the jeans too. Whew! Now I know what Ralphie's little brother felt like in that snow suit!

As I glance over at the computer in my home office, I see that the temperature outside is a balmy 7 degrees!

I'm not really a cold weather lover and the agenda for the day is new construction. There won't be any heat circulating anywhere unless I am in my car.

Mentally, I walk through where we will go and the line up of listings. The clients will follow behind in their own car. I plan it just right so I will end up near to where I live. Am I smart or what?!!!

Within a few frigid hours we are done and the client needs to narrow down the favorite houses. It was a good time in spite of the cold. It's always nice to work with clients that are serious about finding something quick. When you only have 30 days to move...you really do get focused on a plan.

Even though I'm finished for the day, it doesn't end once I get back to the home office. I did promise more information like a seller's disclosure and utility report so the client can compare listings. The listing agents need to be called.

Also, comps of the area need to be researched. The day doesn't end right at 5 PM like it does for regular jobs. Even with the listings that didn't work out... it's nice to call those listing agents if I get time.

Whew! It's already 10PM and I'm emailing other clients that need pictures, phone numbers, directions, etc.

Where does time go?? It's all in a day's work in real estate. So I fall asleep and do it all over tomorrow...maybe. 

There is no path...you make the path as you walk...

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

Career opportunities in Lizette Realty 

Richmond KY - FEMA Has Proposed Changes In The Flood Insurance Rate Maps In Madison County

The City of Richmond KY, Madison County and City of Berea have recently received copies of these updated FEMA maps.

The maps show high risk areas where there is 1% annual chance of flooding. I know about this because I was one of the residents that received a letter to inform me today. 

There will be a public forum on January 20, 2010 at 6:30PM with the City of Richmond KY, Madison County, KY Division of water and FEMA at the Madison County Extension Office, 230 Duncannon Lane, Richmond KY.

If your property is located within the city limits it may be affected by the proposed changes for flood insurance.

Especially, if you received a letter of notification in the mail.

To make an appointment to review the proposed FEMA maps, contact Mike Roberts, City of Richmond Floodplain Administrator at 859-623-1000. 

More information from FEMA

Versailles KY - Nice Cold Day To Pre-view Kentucky Horse Farms - Woodford County

When I was making my coffee this morning, the temperature was only 19 degrees! Good day to stay in and get some office work done, I thought. That lasted until I got a text from a client that asked about a horse farm in Versailles KY she wants to take a look at in January. There were a few questions and a few pictures needed.

As I glanced out the window as I sipped my coffee. I saw the sky was blue(no clouds) and the thermometer said it had warmed up to sultry 25 degrees.

I put a call in to my side kick #1 agent, Monica Hess. She's always ready to go explore horse farms and take photos. I asked her if she might be up for a quick road trip to Versailles KY to take a look at a specific farm on Troy Pike in Woodford County. She was quick to say "yes."

We met up at Keeneland Race Track and I climbed into her husband's truck.

Off we went to find this farm listing off Bluegrass Parkway and get a few horse and farm pictures.

I get quite a few clients from out of state that have dreams of moving here and starting a new life.

Sometimes it is a life-long dream of owning horses or living on a working Kentucky horse farm.

There is a mystique about the farms and horses if you don't live here and see them every day.

This Thoroughbred came up to the fence to see what Monica was up to. He didn't seem to mind how cold it was.

I was busy taking a few other shots of the barn and acreage.

I was breaking in a new camera and I don't think I have the settings just right.

It was quite a bright day but many of my pics seemed to wash out. I need to get the manual out and see what adjustments I need.

All in all it was a good day just to get out of the house and see some new farms we haven't toured.

Clients enjoy that we take the extra steps to help them with the properties that they just can't see enough of on the Internet. Besides, it's fun to hang out in Woodford County and enjoy the beauty of the scenery.

Click here for...

More Farms For Sale In Versailles and Woodford County

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Kentucky Horse Farms, Woodford County, Versailles or Lexington KY real estate click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved..*Versailles KY - Nice Cold Day To Pre-view Kentucky Horse Farms - Woodford County*

Why would a REALTOR turn down listing your home?

Maybe, It's Nothing Personal...Just Good Business.

A few days ago, I was asked by another REALTOR to take a look at a property out of his MLS area to see if I might be interested in listing it as a referral.

The property was actually a county outside my usual area but, if it were marketable I would be interested.

You never know till you go look and see what is around it.

There are some areas surrounding Lexington and Richmond KY that just take extra time to sell. Even in good times they just take a long time to sell.

I toured the property, but decided it would just not be the right fit for my stable of listings.

(The house picture in my post is not the subject property...just an example)

Factors influencing my decision:

• Too far away (in another county I'm not famular with...never sold a property there).
• The property backed up to a landfill(the tenant said the smell in the winter was pretty strong, not too many people would buy a farm next to a landfill).
• My car would not make it up the steep gravel driveway (we drove up in a front-wheel drive truck and it had trouble getting up the hill).
• House in dire need of repair and not freshly staged (Too many cosmetic repairs needed. A home inspector would find mountains of things to kill a deal with this one).
• Temporary fencing for horses on 15 acres (fencing a farm is expensive for a new owner).
• My cell phone wouldn't work there out in the country (what if I had an emergency?).

I thought it over carefully while I toured it. Since it would be a referral, if I sold it, I have to pay a referral fee to the referring REALTOR. This takes a bite out of my commission if it sells and we make it to closing.

This listing might take years to sell and eat up advertising and gas money. I decided it just might drain my budget right now. We are in a strange economic time.

Now, it's not unusual for me to turn down a listing. It's just the market we are in.

REALTORS work on a commission basis. If we can't sell your home we don't make any money. It's that simple.

To list a home takes advertising money, gas and time. Maybe some REALTORS have a different situation, but I pay for all my advertising. Going into winter, the budget gets tighter.

Gas is more expensive now...so I might not want to list a home that will require a lot of mileage to and from.

Time...I have plenty of that, but a REALTOR's time is just as valuable as an attorneys, doctors or anyone else that gets paid by the hour for services. I make time for what is important and my clients.

You can bet if I have to spend my money to advertise in a slow market, in winter... your house should be in tip top shape and marketable.

It needs to be squeaky clean, polished, staged, freshly painted and looking like a new penny. We have tough competition!

Buyers are walking in and walking out of listings right now. Nice houses are getting showings...but no offers. Some listings are not even getting showings! It's tough for sellers and REALTORS.

I'm all for getting a house sold fast. I have lots of ideas on how to get a home ready to sell.

There are plenty of houses selling now in Central Kentucky. All it takes is a little extra effort in getting one ready to market. 

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Kentucky Horse Farms, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved..*Is It Good Business For A REALTOR To Turn Down A Listing? *

Seriously! I AM in love with Send Out Cards!

I found out about Send Out Cards by accident when I stumbled across a link that a friend had on her Facebook page one night. I copied the URL then went there to take a look. It was a company that has cool designer cards, prints what you want on them(even in your own handwriting), they can add a gift, gift card or check, put on a stamp and mail it for you! Starting at under a buck each!

Totally impressed that this friend might be using this company for her contact list... I emailed her to inquire. She emailed me back and then I called her. Late into the night we talked. I signed up immediately.

Why? I know instinctively whether something will work well for me. My highest thought tells me to GO. I always act upon it. Now that I have had more time to study Send Out Cards, I'm even more excited to be a part of something so genius!

Send Out Cards can only enhance ANY business. If you don't have a contact list, you can start building it right within their website. If you have your contacts on an Excel spreadsheet you can upload that to the system. In my case, I had no real system so I am using their system to finally be organized.

Sad that I had already sent out half of my Christmas cards that my assistant and I had struggled to write! Wish I had found this a week earlier. GRRrr!

Send Out Cards has virtually no competition. The two major greeting card companies are Hallmark and American Greetings. Neither have a system in place to mail your cards that you design. Neither can give you a residual income.

Yes...you can also make money while you use this system for your business.

Top 10 Reasons why You might consider Sending Out Cards(thanks to the Packards)  

• 1. Most businesses lose 10-17% of their business every year
  
• 2. 62% of your clients aren't taking advantage of all of your products or services.
  
• 3. 91% of our customers say they would give us a referral.
  .
• 4. 80% haven't been encouraged to do so!
  
• 5. You lose 10% of your influence for every month that you don't have contact with your client
  
• 6. A 5% increase in customer loyalty could yield 20-80% to your bottom line
  
• 7. Studies show that an average prospect won't do business with you until they've seen or heard from you or your message at least 7 times.
  
• 8. 79% of all trade show leads aren't followed up.
  
• 9. 66% of your business within the next year will come from your sphere of influence.
  
• 10. Only 3% of the mail we receive is personal.

One of my own reasons is that people just cannot open free e-cards anymore because of computer viruses!

Gone is the day where you send these cards to everyone for free. I know I love seeing a real card in my mailbox and I would be even more impressed if it was a custom card with my picture or something personal written in it!

Send 100 cards in 5 minutes!

I can even send a gift, gift card or a check with this. 

At Send Out Cards, we can design what we want, we can uses our own pictures, our own handwriting, or use their beautiful cards (15,000 to pick from), they print them, put a stamp on and mail them. You can create your own campaigns to have cards automatically sent like birthdays, anniversaries, etc. 

Check out this page and make a card for free in my gift account.SendOutCards

If you need help give me a call 859-979-2834 and I can walk you through it. Email me anytime if you have questions like I did.

There are three ways to get started. As a retail client, wholesale client or as a distributor where you can make a substantial residual income. The possibilities are endless because you can do this at home and in your spare time. 

Even though I am having my best year ever in real estate, I am thinking toward the future where I will need more retirement income and something fun to do. (Trust me...my life is about having fun and involving others to do the same! LOL)

Send Out Cards is truly a heart-felt way to say you honestly care and act upon your promptings to touch someones life.

Best of luck to all of us in 2010!!!

Note...I was not paid by Send Out Cards to write this testimonial. I actually paid them so I could be a part of their wonderful card company. I'm happy just to send out cards and help others that want to also.

Lexington KY - I Love Kentucky News! Weekly Real Estate Email Newsletter - Investors

Central Kentucky's only weekly email newsletter on the latest real estate listings, homes sold, local events, giveaways, investor, and home buyer, home seller tips, fun and entertainment. Delivered fresh each and every Thursday. 

Check out this week's edition I Love Kentucky News!

Why pick up a stale home's magazine when you can have all the hottest new listings in Lexington KY delivered to your email?  Subscribe today  to stay informed each week with I Love Kentucky News!

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Kentucky Horse Farms, Madison County, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved..*Lexington KY - I Love Kentucky News! Weekly Real Estate Email Newsletter - Investors*

The Glitz at Irish Acres In Nonesuch KY

I think I love the address as Nonesuch KY as much as I love the destination at Irish Acres. Who would imagine that such a fancy place for lunch would exist like The Glitz?

For years, I have been taking unsuspecting guests and clients with me to surprise them with this restaurant way out in the country.

When you arrive, it looks just like an old brick two story 1936 elementary school. After you park and walk to the double doors in front you still have no idea what is in store. I love the look on a new guest's face when they step inside Irish Acres! It's like you have transported to fantasyland!

This time I took my executive assistant, Jane as a Christmas treat that I plan to be a tradition from now on. She was just amazed at all the antiques, the fragrance in the air, the jewelry and the fabulous food of The Glitz.

The sisters Jane DeLauter and Emilie McCauley always make everyone feel welcome. They along with their Dad, Arch Hannigan, have created this 32,000 square foot palace of antiques (since 1984) to be a delight for all that enter the front doors. Two whole floors with 50 themed rooms of over-the-top decor.

It's not unusual to see a tour bus parked in the lot of Irish Acres and the dining room filled with Red Hat ladies! That happened one time when I was there. Now that was a sight!

It's hard to say what I like best about Irish Acres but one of my favorite places to eat is The Glitz. It's a lavish gourmet Southern luncheon featuring some of the old family recipes.

Only the finest of ingredients are used to create the award winning three course menu that changes every two weeks. You really must have the signature Nonesuch Kiss for desert!

After lunch, you could spend hours combing through the 50 rooms to see American and European furniture, glassware, china, dolls, jewelry, rugs, crystal, silver,decorative accessories, etc. Each room more magnificent than the next!

I could go on and on but you really should go see Irish Acres for yourself.

They are open until Dec. 31 and then will reopen on St Patrick's Day.

Open Tues - Sat. 10AM - 5PM.

Reservations at The Glitz are recommended.

Click the website for more info and directions: www.irishacresgallery.com

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Lizette, Kentucky Horse Farms, Lizette Realty, Woodford County real estate click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*The Glitz at Irish Acres In Nonesuch KY* This was not a paid advertisement and there was no free lunch for my review!

Blue Grass Army Depot - Bechtel Parsons - Richmond KY - Relocation - Homes For Sale

Have you accepted an offer of employment with Bechtel Parsons in Richmond KY? Congratulations!! Your work most likely be at the Blue Grass Army Depot.

Now it's time to get started on your Richmond KY relocation and find some homes for sale. 

It may be that you will want temporary housing before you buy a home.

Many new Bechtel Parsons employees do that.

Even if it is for a month or so... you will need to start looking at permanent housing.

It just makes sense for families and interest rates on mortgages are so low right now. Time to build equity.

To get in the loop with what is going on in Richmond and Central Kentucky you might want to subscribe to "I Love Kentucky News".

Each week, I publish Central Kentucky's only weekly newsletter on the latest real estate listings, relocation and moving, listings sold, local events, giveaways, homebuyer and home seller tips, fun and entertainment.

Delivered fresh each and every Thursday. I Love Kentucky News

The picture above is of Keeneland Racetrack in Lexington, KY.

If you are shopping for a home or relocating to Kentucky...Why pick up a stale home's magazine when you can have all the hottest new listings delivered to your email? 

Subscribe today to stay informed each week.

Next you may want to plan a scouting trip to Richmond KY to see the layout.

Where Bechtel Parsons is located near the Blue Grass Army Depot, shopping, schools, hospitals, churches, entertainment and homes for sale.

Springtime Central Kentucky Tour With Relocation Clients

There are many places to stay for your brief trip but to really enjoy Richmond in a historical way, I recommend The Bennett House Bed & Breakfast downtown. Owners, Richard & Rita Smart do offer temporary cottage housing.

Taylor Cottage located behind the main house. Whether you need a few days or a few months, they are happy to accommodate you and your family.

If you are looking for something different there are many new hotels on exit 87 off I-75 like Hampton Inn or Holiday Inn Suites.

One thing at Lizette Realty we send new Bechtel Parsons employees is a welcome packet filled with local information and maps of the area.

We can tailor this with more specific items if you let me know some of your interests.

Richmond is really a fabulous place in the heart of KY. Lots of new shopping and restaurants and convenient to everything on I-75 with 7 exits in Madison County!

If you are looking for homes for sale, we can send the listings to you to review as soon as they are listed on the MLS.

Need a local lender? Not a problem...we can assist you with one that can help you get your financing together for a successful closing on a new home.

Read the Herald Leader Interview with Lizette Realty discussing Kentucky Relocation.

REQUEST A KENTUCKY RELOCATION PACKET!

Finding a new Kentucky home has never been so easy!

Just click on the link below.

RICHMOND KY HOMES FOR SALE

RICHMOND KY TOWNHOMES & CONDOS

Lexington KY Residential Homes For Sale

Lizette Fitzpatrick - Principal Broker at Lizette Realty.

For more information on Richmond KY homes for sale. click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved *Blue Grass Army Depot - Bechtel Parsons - Richmond KY - Relocation - Homes For Sale*

A few weeks ago, I was sent some free Mogo Organics products of powdered fruits and vegetables by my friend, Valeri Lennon to try. I did tell her that if I did like them, I would tell others through my blog post of my experience.

I don't just like Mogo...I LOVE Mogo! 

Well...now that I have had time to test these... I can share with you what my thoughts are and how I have integrated these unique Mogo products into my daily life.

They arrived about a week before Thanksgiving. I was a few days sick with bronchitis and on a Z-pac. I couldn't feel worse so I was willing to give this a try and see if I could get well before I had to host the T-Day dinner.

I'm not one to change up my diet much. The thought of giving up sugar, soda and fried foods seems bizarre even though I don't consume a lot of these things. I don't even exercise much.

I do think I eat fairly well but feel guilty that I don't get enough fruits and vegetables in my system each day. Rarely are they all organic and sometimes I waste these foods in the refrigerator and throw them out.

One thing I never deviate from is my morning coffee. It always has sugar in it. That might be a problem to give up. Whatever diet I have tried I NEVER gave up that one addiction.

The products I experimented with were:

Pro+ - Superior Protein supplement

Red Surge - Antioxidant protection of 10-15 servings of phytonutrient/antioxidant power of fruits and vegetables.

Greens + Fruits - All the vegetables and fruit your body needs with antioxidant/phytonutrient and full spectrum multi-vitamin protection.

Mogo Energy - A full spectrum Multi-Vitamin, High Potency of Antioxidants, Anti-Aging complex, with immune energy support, 64 trace minerals and 20 amino acids, digestive support, and Bone, Joint & Heart complex, Anti Inflammatory support, cardiovascular/heart complex protection, Sea vegetables, only the highest quality physicians’ grade natural ingredients.

Mogo H2O is a Electrolyte powerhouse that goes beyond all electrolyte formulas utilizing a complex synergistic formulation to provide balanced hydration.

Slim - A safe way to control your appetite and loose weight while still adding other healthful benefits.

A & J - Is a full spectrum formula, specifically designed to reduce, and possibly eliminate pain, stiffness and the inflammation associated with arthritic joint pain as well as providing preventative care.

Mogo products are made from only premium quality ingredients and the process to turn raw into powder is the cleanest method possible without tampering the integrity of the organic nutrition.

My first few days of using the Mogo, I mixed a morning smoothie with Red Surge, Pro+, banana, soy milk, yogurt,a few strawberries and ice.

A few hours after my smoothie, I put Slim in coffee w/ a bit of creamer. I didn't need any sugar!! I was amazed! Later in the day, I would make another smoothie of G+F, Pro+, water, white cranberry juice and ice.

For a snack I would mix Slim and vanilla yogurt. Yum!

I still have about one meal a day of whatever I like. Usually soup or a sandwich or fish and a few vegetables. I do vary what I eat.

One bonus is that I am not hungry to snack on anything. Chocolate has always been a BIG diet killer for me. Now, I don't crave it. I have been making fudge and peanut brittle to give away for Christmas and I haven't even wanted to eat it. Normally, I would eat as much as I gave away!

I have noticed is that my waistline is reducing and I have loads of energy. I still sleep well and get up at the same time. I'm more focused too. I don't run out of steam in the afternoon and a bit of weight loss is a welcome sight! That part I do enjoy.

It's been a pleasure to experiment with Mogo Organics and I know it will stay a part of my life. It's nice to not have to keep the refrigerator stocked with fruits and vegetables and I have saved money by not having to buy produce or vitamins. I do like the convenience of drinking all my antioxidants and nutrients to stay young and healthy. 

Thanks Valeri for turning me on to Mogo Organics!

Click below for more product info...

www.mogoorganics.com

Richmond KY Home For Sale 118 Smith Ballard St  - EKU Housing

There's nothing better than a Richmond KY home for sale that is near Eastern Kentucky University when you need to get to class. Whether you are a professor or student ...it just makes sense to live close to campus. The cozy home at 118 Smith Ballard St is right off East Main Street and is conveniently downtown and EKU.

Location Plus Charm Plus Value!

Immaculate 3 Bedroom Ranch with 2 Baths. Kitchen with All Appliances,Washer and Dryer, Formal Dining, New Paint, Carpet and Fixtures. Deck, Partial Fence, New Sod in Backyard and Landscaped. This home is only 6 years old and is in immaculate condition.

Convenient to EVERYTHING!!

It's a steal at $109000!

For more information or a tour call or text Lizette at 859-979-2834.

email@lizette.us

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Lizette, Kentucky Horse Farms, Lizette Realty, Madison County, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*Richmond KY home For Sale 118 Smith Ballard St  - EKU Housing*

Recently my BFF and Rainmaker, Professional Stager Connie King came to Kentucky for a weekend vist. It turned into a kitchen makeover.

I was quite tired of all the grape and ivy greenery about the cabinets. Connie took everything down and used items in the house to re-design it.

Later, after she left, I was even inspired to change the paint color from Ecru to a warmer Earl Grey color. The paint I wanted was a suede matt finish. Sherwin Williams Cashmere paint was perfect for the finish.

Now, I absolutely love my kitchen!

Thanks Connie for getting me started! 

Commercial Land For Sale Or Lease On I-75 Exit 76 Berea KY 40403

Prime location for most businesses on a busy intersection of I-75. Four lots are available for sale or lease.

All are commerical lots, Zoned B-4.

Lot 1 - 15.80 acres more or less.Suitable for commerical or retail business.  Entrance on South Dogwood. Buyer will need to have property surveyed. Raw land and seller will consider sell or lease. Property possibly may be subdivided and price negotiated. Seller will consider sale or lease. Next to Lee's Famous Recipe, Fairfield Inn and Comfort Inn.

Lot 2 - 12.4 acres more or less. Access from North Dogwood Dr. off Highway 21 and Paint Lick Rd. Land is located on right and along I-75 and off the exit 76. Buyers will need to have the property surveyed. Seller will consider sell or lease.Behind Econo Lodge. Near Fairfield Inn, Comfort Inn and Lee's Famous Recipe.

Lot 3 - 1.0 acre more or less. On Paint Lick Rd.to the left of Lee's Famous Receipe. Fairfield Inn, Comfort Inn and Econo Lodge nearby. Suitable for a retail Business. Buyer will need to have property surveyed. Raw Land. Seller will consider sale or lease.

Lot 4 - .50 acres more or less. Turn off Paint Lick Rd. access to property beside Fairfield Inn. Suitable for any retail business. Raw land and seller will consider sale or lease. Buyer will need to have land surveyed. Next to Fairfield Inn. Near Comfort Inn, Econo Lodge and Lee's Famous Recipe.

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Lizette, Kentucky Horse Farms, Lizette Realty, Madison County, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*Commercial Land For Sale Or Lease On I-75 Exit 76 Berea KY 40403*

532 Sagemont Drive Richmond KY 40475 Home For Sale

One of the most affordable areas of Richmond KY with elegant homes for sale is the Hampton Ridge subdivision.

It's close to everything since it is a minute away from the Robert Martin Bypass. Only minutes away from a grocery store, hairdressers, pet care, Kohls, restaurants, a plethora of small businesses, schools, churches, golf course and public park.

532 Sagemont Drive is a stately home built on a level lot.

Attention to detail is the first thing you think of when you step inside and see the upgraded touches.

As you step onto the intricate tile work in the 2 story foyer it opens to tasteful paint colors and decor. 

The first floor has wide plank hardwood in the living room and formal dining room. Tiled breakfast area and kitchen with walnut cabinets and stainless appliances.

A new spacious 14 x 16 foot cedar deck is out the door from the breakfast area. Nice place to have your morning coffee.

The back of 532 Sagemont is a well kept yard that is fenced on three sides. There is even a rain barrel for you to water your plants.

Plan to entertain in the formal dining room that is convienient from the kitchen, living room and foyer. The open space is quite modern and charming all at once.

One of my favorite rooms is the family room with a wood burning fireplace. Elegant tile and a handmade wood mantle enhance it's look.

The living room has a warm feel to it with the wood floors and red wall color.

Also on the main floor is a half bath, desk area in the kitchen, separate laundry room and 2 car garage.

Upstairs is the master bedroom with master bath, two bedrooms and another full bath in the hallway.

Priced to steal at $179,900. Best offer takes it!

Call Lizette at 859-979-2834 to tour this home.

SEARCH NOW FOR MORE RICHMOND KY HOMES FOR SALE

 See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*532 Sagemont Drive Richmond KY 40475 Home For Sale*

University of Kentucky Student Housing - Lexington KY - Consider Homes For Sale Instead Of A Dorm Room As an Investment

Right before the school term begins, I get emails and calls from tax savvy parents that want to purchase a home for sale for their University of Kentucky student.

Why throw money away on a dorm room for student housing? A wise investment home near campus is the answer to gain equity and save money in the long run. Resale it after graduation.

There are many good and safe areas for students to commute to campus.

Downtown Lexington, Chevy Chase, Rosemont, Ashland Park, Zandale, Tates Creek, Kenwick are some nearby areas to choose from.

Some of the homes for sale have plenty of extra bedrooms to rent out to roommates to help cover the mortgage payment each month. As all of the new students enroll in University of Kentucky  there is need for these homes nearby as student housing.

If If you are considering this second home option - student housing for your son or daughter at University of Kentucky give us a call at Lizette Realty.

859-979-2834 or email@lizette.us

We can quickly send you all the current homes for sale within your price range, specific area and other preferences. Just let us know how we can help!

Start your search here...

Homes For Sale in the UK Area

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Lizette, Kentucky Horse Farms, Lizette Realty, Madison County, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*University of Kentucky Student Housing - Lexington KY - Consider a Home For Sale Instead Of A Dorm Room As An Investment*

In the dead of the night... I heard something from far, far away.

A familiar sound... but alarming.

I jolted awake to glance fearfully at the clock. 2 AM it blinked.

My cell phone was RINGING!

My heart starts to pound. Is it some emergency?

I don't recognize the number ....I let it go to voicemail. I wait....the cell buzzes that a message was left.

 Now, I'm really awake wondering who would contact me at 2 AM and leave a message??

I call voicemail and it reveals a man calling about a house in a nearby town. He wants to schedule a tour. Could I give him a call back? WHAT? Does he think I work all night?

Finally, I get back to sleep. It's hard to get it out of my mind...but finally I do and I dream of a strange house that is deserted and boarded up.

For some reason I'm inside and climbing the stairs to the attic. I reach the top step to open the door and I hear the voice. It so soft I almost don't hear it. 

Bam....I pop out of the dream and realize the voice I was hearing was my dog Chanel making little noises to get me up for breakfast.

Rubbing my eyes, I glance at the clock and see I have overslept to 8AM. As I climb out of the cozy bed, my mind skips ahead to my day.

That call! Did I dream it? I grab my cell to check to see if there really had been a message. It was real alright. I first think maybe I shouldn't call so early. I might wake him up. What? He wasn't worried that I would be bothered at 2AM. I write down the number and make the call.

The same male voice picked up the phone. The story spills out that it is a family that wants to tour one house about 20 miles away ...could I set it up for later that day? Without hesitation, I schedule them in the afternoon.

I decide to go a little early.

It's in unfamiliar territory on a street I've never been on in my life. I write down the directions.

As I arrive, the street is deserted except for a mongrel dog digging mindlessly through the dry leaves littering the yard.

I swing my car into the dirt driveway that circles around the front of the house. It's overrun with trees and weeds. One tree was almost growing out of the house.

Can this really be the place? I recheck the rusty number on the mailbox.

Hmmmm...right place alright.

The house with it's windows boarded up looked like it had been vacant for years. I open the lockbox and take out the key. I've done this a thousand times and like routine... I open the lock.

I step inside and my eyes try to focus on the dim surroundings. I suddenly feel a bit alarmed as I see the lights don't work.

That figures, the electric is off! Quickly, I walk through the rooms that have rubbish and filth scraped into disorderly piles. A broken chandelier is in the floor.

Dust and cobwebs cover everything. As I look closer, I realize that all the wood floors are unlevel and slope inward. I vacantly wonder how furniture would work to make you not notice the slope.

I move through the kitchen and decide to go out the back door to see the backyard and porch. While there I make a call to the listing agent to chat a bit about the house. Since I'm early there's not much to do but wait.

Then while we talked, I heard the door bell chime(we BOTH heard it). One of those with 8 bells. I quickly told her I needed to go, because my clients must have arrived even though I knew I had left the front door standing open. I walked back though the house to greet them.

There at the open front door...it was standing open exactly as I had left it.

No one there and not a soul on the street and the dog was gone too.

What the ****! How did the doorbell ring? Wasn't the electric off? There wasn't anyone here to ring it. Suddenly, fear was washing over me.

In that instant...I felt an icy breeze brush the back of my head!

Then, I felt something shove me toward the door like a hand on my arm. Let me tell you... I was out that front door faster than I've moved in my life!!

I decided to wait for the clients out in the car. In about 10 minutes they showed up.

 Nice little family that quickly walked through and decided they didn't like the sloping wood floors. Fine with me.

I stayed out front and tried to act normal. I didn't utter a word about what had just happened. I was still in shock!

They left and then I realized I had to lock up.

Totally freaked out, I rushed through the house to get the back door locked. Somewhere upstairs, I heard a door creak... then slam!

Petrified, I tiptoed back toward the front door to get it locked.

My hands were shaking as I could barely put the key back in the lockbox. I ran to my car, got in and locked the door.

I couldn't get out of there fast enough!

What had happened in that house? I'll never know.

Something was still living there in the emptiness. Something sinister.

I found out later it was haunted and many people had mysteriously disappeared after living there.

It's still for sale.

P.S. The house in my post is not the same house (I love the look of it and it has great bones!)but was great eye candy for reliving my story don't you think?

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Lizette, Kentucky Horse Farms, Lizette Realty, Madison County, Fayette County, Richmond or Lexington KY real estate click on Lizette.us.

See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved...*The Haunted Home Tour - A Seriously True Story*

Sunday Open House at 104 Brentwood Drive Winchester KY

Finally the rain will go away, the sun will come out and the temperature will be warmer for open house on Sunday. Our listing at 104 Brentwood Drive in Winchester KY is an fantastic home in Royal Oaks Estates.

Priced well below appraisal at $298,000.

This exquisite 2 story all brick home has 4 bedrooms and 2.5 baths, living room and family room both with wood burning fireplaces, designer kitchen w/ granite and stainless appliances, formal dining room, laundry room, 2 car side entrance garage, security system, landscaped w/ mature trees and privacy fence in backyard.

The property backs up to a farm pasture view. Lots of hardwood, ceramic tile and crown molding. Second floor with the master suite and 3 bedrooms is newly carpeted.

Come take a look for yourself on October 18th

2:00 - 4:00 PM

Hostess will be Monica Hess

Click below to search for more homes in Central Kentucky for sale...

Lizette Fitzpatrick- Principal Broker at Lizette Realty.

#1 featured Kentucky Realtor on Activerain.com and Localism.com.

Publisher/Author for the only Central Kentucky email newsletter on local real estate listings and sold properties, Kentucky relocation, local events, homeowner information and fun!

For more information on Kentucky Horse Farms or Winchester KY real estate 

click on Lizette.us.

See for yourself what Lizette's extraordinary clients have to say about their Kentucky Real Estate experience. Copyright © 2009 By Lizette Fitzpatrick, All Rights Reserved *Sunday Open House at 104 Brentwood Drive Winchester KY*

I was looking forward to the vacation after months of non-stop work.

It was the weekend of my birthday, I had planned a trip to Tennessee for a few nights in a mountain chalet.

A creative time out I called it. Just me and Chanel, my dog. I had visions of writing and catching up on a few books I've had for months. It didn't turn out that way. 

After I checked in at the resort office, I was directed to the extremely remote chalet...miles away on top of a mountain I've not heard of.

As we drove through the mountains, I wondered if my cell phone would work there...it didn't. 

I usually don't stay that far out of town. Don't be silly I told myself, ...this is supposed to be a vacation maybe it would be nice that my phone doesn't work! I need a break! 

After finding the right road, we slowly wind round and round the steep mountain till we reach the chalet right on top.

I mean right on top of the world. We are also the only ones checking in.

The other chalets are vacant on the street. I figured more people might be checking in later. It didn't happen. 

I unloaded the car and Chanel and I explored the two story chalet. The master bedroom was below the main floor. First off, I found that my computer would work since they had a DSL line. The land line was dead. My cell didn't work either.

It suddenly gave me a chill that I was isolated here. Maybe that's not a bad thing I thought. Sure, we could rough it for a few nights. 

The sun went down and we settled in then went to bed. Nice to finally relax and no phones ringing.

About 4:45 AM I was jolted awake by a strange sound.

Lying in the bed in the dark, it sounded like someone rolling Chanel's bone around on the wood floor above my head on the first floor.

It wasn't a random sound. It kept on rolling around for about 5 minutes. Chanel barked once...the I decided to get up and turn on lights. For once she listened to me when I told her to be quiet. 

I flipped on the downstairs lights, then slowly tiptoed up the stairs to peer eye level with the first floor through the spindles. The sound stopped. I suddenly wished my phone would work in case I was itching to call 911. 

Chanel's bone was still right in the place she had left it in the kitchen.

Nothing was moving that I could see. The rattling sound had stopped. This was an A frame with no trees hanging over it. So I knew it wasn't a squirrel on the roof. I waited about 10 minutes and all was quiet. 

I took a frying pan and broomstick from the kitchen and headed back to the downstairs bedroom. This time I locked the door.

Chanel hadn't opened her mouth while I was investigating. We'd be ready if we needed to defend ourselves. It was hard to get back to sleep. I couldn't wait till sunrise. 

The next day I still couldn't figure out what we had heard.

It freaked me a bit that we would have to get through another night without phone service.

So my vacation was not as restful as I had anticipated.

Beautiful place, but it was a little more remote than I would have liked. Maybe it was haunted. 

Next time... we might go to the beach instead.