The Silver Lining of 2009

Happy New Year from your friends at Van Dyk

Mortgage rates remain at a historic 40 year low. This is great news since homes are continuing to sell at very affordable prices. While you mostly hear the news media report on the negative aspects of the economy the fact remains that there are still a lot of positive things going on in this market. NOW is a great time to buy a home.

Contrary to what you hear, MORTGAGE MONEY IS AVAILABLE! There are still several programs to choose from including those that require little to no money down. Most sellers are also willing to contribute towards your closings costs. If you have good credit, steady employment and a desire to live the American Dream of owning a home then you should act now.

Despite the reports of how much people have lost in this economy, home ownership continues to be a solid investment. With fixed monthly payments, the volatility of the market will not affect your lasting investment. Another great reason to act soon is that first time homebuyers are entitled to a $7,500 tax credit. A first time buyer is considered to be anyone who has not owned a home in the last three years. This tax credit may be applied to your 2008 tax return as long as you close on or before April 15, 2009. Be sure to take advantage of these great incentives today!

How to safely shovel snow

Now that the winter is here and the snow has started to fall here are some safety tips on removing snow. Before shoveling, warm up your muscles in your legs, arms, shoulders and back by stretching. If you must stand on ice while you shovel, put down salt or sand to give your feet some traction. To maintain the best balance, stand with feet apart at hip-width. Use an ergonomic shovel with a bend in the handle it will save your back by permitting you to bend less. Spray the dish of the shovel with olive oil before you start. The oil will help the snow easily slide on and off. Don't put too much snow on the shovel at once. Shovel only truly manageable amounts of 1 to 2 inches at a time and if you can, push the snow instead of lifting it. Slow down. Most injuries occur when people try to shovel too quickly. Take a break every 5 to 10 minutes to regain your breath. Shoveling snow is like weightlifting, and if you don't take breaks, you put could yourself at risk for heart attack. If you are overweight, elderly, or have a history of heart or back problems, you should forego shoveling snow altogether and use a snow blower or else have someone else shovel your snow.

The Silver Lining of 2009

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