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| A Gary Brock Golf Community |
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| Community Consultant |
 Chris Hanke
Your humble servant has been a licensed Realtor since 2000, when he moved to Gwinnett County, Lawrenceville, Georgia. He has worked with large residential Real Estate companies like Harry Norman and Keller Williams, as well as smaller companies like Synergy Realty and Realty Executives, getting a well rounded exposure to the Real Estate industry. Chris enjoys the personal aspect of the business, developing relationships with the clients he has the blessing of helping to sell their home and/or finding their new home. Having years of experience in Residential Re-sales and Million Dollar Club results has given him the knowledge and skill to get your house Sold! Chris has also worked with highly reputable New Home sales companies like Vintage Communities and Peggy Slappey Properties for over 5 years. His work with builders and knowledge of the building process allows him to help put deals together that are WIN – WIN for everybody involved. Born in Louisville, KY and raised on the Hawaiian Island of O'ahu, it has given Chris a very unique outlook on life. With southern charm and manners, his easy going “Aloha” attitude and superior knowledge and experience will help make your experience of buying or selling a home with Chris a successful and enjoyable one!
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about Peggy Slappey Properties . . .
Peggy Slappey is a third generation REALTOR with over 36 years of general and new home sales experience. In 1982, Peggy started Peggy Slappey Properties, Inc., a company committed to providing unprecedented service to their customers. Nineteen years ago, Peggy Slappey Properties underwent a drastic change moving almost exclusively into marketing new home communities. Now, in 2010, Peggy Slappey Properties has grown to adapt with the changing market, opening a Brand New office in 'The Veranda' business plaza in Dacula. This new division begins the start of of a renewed direction as the company brings the same expertise and customer service to any and all sellers who are looking to resell their home. Also, we bring tremendous experience and understanding to those listing clients as well as those clients that are in the market to purchase their own high quality investment that they will call home. For anyone looking to buy a home anywhere, or for anyone looking for help selling any home, Peggy Slappey Properties can make these dreams a reality!
We try to create a feeling of home within our company. We think that helps our agents become more effective in what they do. We also believe that building community and adding value in order to compliment, enhance and strengthen the surrounding area is of the utmost importance. Our close knit, family owned business takes that idea to heart.
For us, a home sale is more than a transaction. We are building relationships by bridging the gap between the builder and the buyer. Our goal is to build communities by selling homes, not houses. A home is more than sticks and bricks. A home is where life happens. Home is where children grow up, where 80th birthday parties are celebrated, where families find comfort and security. Peggy Slappey Properties understands this.
Our agents qualify potential homebuyers through an interview process to determine if the home and community fit the needs of their family, not simply whether or not they can afford the house. Trust and confidence are the result, from both the homebuyer and the builder. We believe this philosophy offers the buyer and the seller more security ensuring satisfied clients.
The idea of building community is also apparent in our industry. Peggy Slappey Properties has an outstanding reputation in the real estate community. We work hard to maintain and continually improve our reputation by going the extra mile with the co-op agents we work with. We honor agents by earning their trust and confidence and demonstrating our competence. The home buying process is a team effort and when a co-op agent is involved, we go out of our way to enable them in any way we can.
After twenty five years in business, the basic principle behind Peggy Slappey Properties has remained the same, do unto others as you would have them do unto you.
Awards
 We're excited to accept Gwinnett Magazine's 2007-2008 Best Realtor Award. For more information, visit the Gwinnett Magazine Web site and learn all about the rest of the 2008 Best of Gwinnett.
Peggy is the 2007 president of NAMAR and former chair of 2006 National SMC of the year. In 2005 was awarded the NAMAR Realtor Manager of the Year and the Atlanta SMC Sales Manager of the Year. Peggy has been involved as an active member of the Northeast Atlanta Metro Association of Realtors for many years and is President Elect. She is also the Atlanta Sales and Marketing Council Chairperson, a member of the Greater Atlanta Home Builders Association, a member of Women’s Council of Realtors, and the I-85 board and Athens board.
For several years, Peggy has volunteered as a driver for the judges of the Home Builders Association Professionalism Awards. In addition to receiving her Certified Sales Professional designation, Peggy also teaches CSP classes twice a year.
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about Southeast Mortgage . . .
Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing. With literally thousands of lenders to choose from, borrowers can easily become overwhelmed.
Fortunately, at Southeast Mortgage, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service, putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration we give to each of our clients make getting your loan a successful endeavor.
Allen KenKnight
Regional Vice President
NMLS# 160271
Office: (770) 279-0222 ext. 620
Toll Free: (800) 344-8788 ext. 620
Cell: (404) 731-1260
Fax: (770) 279-9141
Email: AllenKenKnight@SoutheastMortgage.com
Website: www.SoutheastMortgage.us
ASK ME ABOUT OUR 8 DAY CLOSE GUARANTEE
Past President of the Mortgage Bankers Association of GA and Atlanta Mortgage Bankers Association
Recipient of MBAG Presidents Award for 11 years
Recipient of MBAG Diamond Gold Award for 9 years
Recipient of MBAG Platinum Gold Award for 3 years
Recognized by the MBAG as the Top Producer in the state of GA
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about Brand Mortgage . . .
Brand Mortgage, a subsidiary of The Brand Banking Company, is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
Having trouble viewing this email? Click here to view web version |
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Kim Jones
Mortgage Banker
3328 Peachtree Rd. NE Suite 200
Atlanta, Ga 30326
Office: (770) 822-2083
Mobile: (678) 468-4046
Fax: (678) 518-6917
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For the week of December 12, 2011 – Vol. 9, Issue 50
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>> Market Update
QUOTE OF THE WEEK..."Be not afraid of going slowly; be only afraid of standing still."--Chinese Proverb
INFO THAT HITS US WHERE WE LIVE...The housing recovery may be proceeding slowly, but things are definitely not at a standstill. Earlier this year, an industry rent vs. buy index found it is more affordable to buy than rent a two-bedroom home in 72% of America's 50 biggest cities. In fact, renting was less expensive than buying only in New York, Kansas City, San Francisco and Seattle. And in 10 of the cities where renting was relatively affordable versus ownership, people felt buying may still be a financially sound long-term decision.
A recent consumer study showed people are getting the message. With home prices now at such affordable levels, 62% of those surveyed said buying in today's market is a good investment over the next 10 years. The most popular advice people would give to anyone thinking of purchasing a home is to avoid buying more house than they can afford. Good advice indeed.
BUSINESS TIP OF THE WEEK...Most people don't base their buying decisions solely on logic. So if you're having trouble trying to change someone's mind, try instead to change their mood.
>> Review of Last Week
ANOTHER EUROPEAN TRIP...Investors again spent the week in Europe, at least as far as their mental focus was concerned. S&P put all 17 Euro nations on a ratings downgrade watch and the European Central Bank gave a cautious economic outlook. This bit of news sent stocks on an almost 200-point slide on Thursday. No matter. Last week's summit meeting of eurozone officials announced tighter fiscal controls and help from both the European Central Bank and the International Monetary Fund, so stocks shot back up and ended the week ahead in all three major indexes.
Elsewhere, the economic data showed progress. China's sharp decline in inflation for November was encouraging. Over here, initial jobless claims surprised to the upside, coming in at 381,000, while continuing claims dropped to 3.583 million, the first time they've been that low in a while. The preliminary Michigan Consumer Sentiment Survey for December hit a six-month high, which bodes well for consumer spending.
For the week, the Dow ended UP 1.4%, at 12184; the S&P 500 moved UP 0.9%, to 1255; and the Nasdaq was UP 0.8%, to 2647.
Friday's big day for stocks led to heavy selling in the bond market, as the news from Europe made investors way less risk averse. The FNMA 3.5% bond we watch ended the week down .75, at $101.31. National average mortgage rates on 30-year fixed-rate mortgages remained at record low levels for the sixth week in a row, as reported in Freddie Mac's weekly survey.
DID YOU KNOW?...The European Central Bank, now much in the news, is the bank created to administer monetary policy for the countries which converted their currency to the Euro.
>> This Week’s Forecast
RETAIL, INFLATION, THE FED...There are no big housing reports this week. But there will be a few other economic topics worth noting. November Retail Sales on Tuesday are expected to remain in growth mode, encouraging evidence that consumers are still doing their best to support the recovery.
Later that day, we'll hear from the Fed's last meeting of the year. They'll keep theRate where it is, but their policy statement will be scrutinized as usual. The only thing that could shake our central bank from its low rate stance is a bump in inflation. But wholesale PPI inflation on Thursday and consumer CPI inflation on Friday are both expected to stay at benign levels.
>> The Week’s Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Economic Calendar for the Week of Dec 12 – Dec 16
| Date |
Time (ET) |
Release |
For |
Consensus |
Prior |
Impact |
Tu
Dec 13 |
08:30 |
Retail Sales |
Nov |
0.6% |
0.5% |
HIGH |
Tu
Dec 13 |
08:30 |
Retail Sales ex-auto |
Nov |
0.5% |
0.6% |
HIGH |
Tu
Dec 13 |
10:00 |
Business Inventories |
Oct |
0.9% |
0.0% |
Moderate |
Tu
Dec 14 |
14:15 |
FOMC Rate Decision |
12/13 |
0%-0.25% |
0%-0.25% |
HIGH |
W
Dec 7 |
10:30 |
Crude Inventories |
12/10 |
NA |
1.336M |
Moderate |
Th
Dec 15 |
08:30 |
Initial Unemployment Claims |
12/10 |
390K |
381K |
Moderate |
Th
Dec 15 |
08:30 |
Continuing Unemployment Claims |
12/3 |
3.625M |
3.583M |
Moderate |
Th
Dec 15 |
08:30 |
Producer Price Index (PPI) |
Nov |
0.2% |
-0.3% |
Moderate |
Th
Dec 15 |
08:30 |
Core PPI |
Nov |
0.1% |
0.0% |
Moderate |
Th
Dec 15 |
08:30 |
NY Empire State Manufacturing |
Dec |
3.0 |
0.61 |
Moderate |
Th
Dec 15 |
09:15 |
Industrial Production |
Nov |
0.2% |
0.7% |
Moderate |
Th
Dec 15 |
09:15 |
Capacity Utilization |
Nov |
77.8% |
77.8% |
Moderate |
Th
Dec 15 |
10:00 |
Philadelphia Fed Manufacturing |
Dec |
4.3 |
3.60 |
HIGH |
F
Dec 16 |
08:30 |
Consumer Price Index (CPI) |
Nov |
0.1% |
-0.1% |
HIGH |
F
Dec 16 |
08:30 |
Core CPI |
Nov |
0.1% |
0.1% |
HIGH |
>> Federal Reserve Watch
Forecasting Federal Reserve policy changes in coming months...This week, the Fed's last meeting of the year is not expected to result in any change in the Fed Funds Rate. Economists feel this situation will remain for some time. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.
Current Fed Funds Rate: 0%–0.25%
| After FOMC meeting on: |
Consensus |
| Dec 13 |
0%–0.25% |
| Jan 25 |
0%–0.25% |
| Mar 13 |
0%–0.25% |
Probability of change from current policy:
| After FOMC meeting on: |
Consensus |
| Dec 13 |
<1% |
| Jan 25 |
<1% |
| Mar 13 |
<1% |
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This e-mail is an advertisement for Kim Jones. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of Brand Mortgage and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of Brand Mortgage. Brand Mortgage NMLS #75615 NMLS #545217
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about Richport Properties . . .
Simply Building Confidence....For Over 30 Years!
Richport PropertiesSM is one of Atlanta's premiere new home builders. Our craftsmanship in Atlanta new home communities has earned us award-winning stature as a builder. Whether you are looking for urban, townhome living or a community in the suburbs with a hometown feeling, we build in the most sought-after locations like DeKalb, Gwinnett, Jackson, and Newton counties. We invite you to visit any of our sales centers where you'll quickly realize why we're a leader in the Atlanta new home market. We build lasting relationships on trust, security and confidence and look forward to welcoming you to our Richport Family!
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about Traditions Homesite Advisors . . .
At Traditions of Braselton we are proud to offer the services of Homesite Advisors at Traditions to our property owners. Traditions is a special community where we sell home sites directly to you, the end user. We understand that, from time to time, plans may change and you may have to sell your home site before you and your family build on it. That is where Homesite Advisors at Traditions comes in. We specialize in selling your home site for you and giving it the maximum attention possible. With so many different opportunities for a customer to take advantage of here at Traditions you owe it to yourself to get an expert on home site re-sales on your side. Our broker, Michael Willett, has years of onsite knowledge and experience to help you price and sell your home site in the most timely manner possible. Working hand in hand with our home team, custom builders and the developer Michael strives to maximize all of the opportunities available for his clients. Michael’s professionalism and expertise in Traditions will comfort you and his southern charm will win over the buyers for your home site.
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about Canongate Golf Club . . .
For over 40 years, Canongate Golf Clubs has provided the ultimate in quality, variety, and value to thousands of Atlanta area families. There is truly no other private club network like Canongate in the world.
www.CanongateGolf.com
The system’s incredible success is the result of tremendous member loyalty and the dedication of nearly 1,000 Canongate employees that service members and work behind the scenes in an attempt to constantly improve member satisfaction and value. We are proud of Canongate’s rich history, recent success, and incredible future and invite you to explore the links above to learn more about this special organization and career opportunities currently available. If you have questions about any of the information feel free to contact us.
Whether looking for the ideal location to host a wedding, golf tournament, business meeting, or other special event, one of Canongate's many Metro-Atlanta club locations is sure to meet your needs. Our professional sales and events team will assist you in creating the perfect event. A wide variety of clubhouses, golf courses, and event rooms allows for the ideal outing, event, or meeting to be planned and executed. We offer private dining and meeting rooms that can accomodate from 30 to 60 people, as well as intimate member only lounges and private function rooms that hold from 50 to 350.
| December Calendar of Events |
Click hereto see what the Hamilton Mill/Traditions teams have planned for
this month!
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| New Weekend Tee Time System |
| Give the Gift of a Better Golf Game |
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New golf clubs are shiny and nice, but the path to a better golf game is through
lessons with a trained professional. Get the golfer in your life lessons with
Hamilton Mill Golf Professionals Casey Haney and Chuck Scoggins
so that 2012 can be their best golf year yet.
Lessons with Casey Haney
One 45-Minute Lesson …………………………… $40
Five 45-Minute Lessons …………………………… $160
Lessons with Chuck Scoggins
One 45-Minute Lesson ……………………………… $50
Five 45-Minute Lessons …………………………… $200
Gift certificates for lessons can be purchased in the Hamilton Mill pro shop. For more information, please contact Casey at chaney@canongategolf.com.
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| Hamilton Mill Christmas Sale |
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Callaway Diablo Octane Driver ....................... $199.99
Stop by the Hamilton Mill pro shop to pick up the Callaway Diablo Octane driver at the best price in town. The Octane driver shares some of the same technology used in Lamborghini sports cars. Supplies are limited, so get yours before they are gone.
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Did you know that Hamilton Mill and Traditions will match or beat any price you find at one of the local golf retailers? We are committed to meeting all of your golfing needs here at your home club. Why make an extra trip to a big, impersonal retail store when we can take care of all your golf needs here?
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Canongate is partnering with Toys for Tots to provide Christmas for children in need. Bring an unwrapped, unused toy anytime between now and Monday, December 12. Boxes are located at the clubs.
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Please join us at Hamilton Mill for our annual "Brunch With Santa." Chef Trooper will be serving a delicious meal for the whole family to enjoy. We will be offering multiple seatings to accomodate your schedules. Seatings will fill up fast, so make sure to contact Dianeat dtoth@canongategolf.comwith your reservation! Click herefor more information.
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Online Tee Times:
Click hereto log on and book your tee time online.
Tee Time Call Center Hours
As of Friday, November 25, the Tee Time Call Center will close at 6:00 pm daily. To schedule a tee time, call 770-274-0704.
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Hamilton Mill
770-945-4653
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Traditions of Braselton
706-363-9963
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Click here to unsubscribe to this email and manage your email subscriptions.
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Stacey Matsche Membership Director Traditions of Braselton & Hamilton Mill Golf Clubs
smatsche@canongategolf.com
1995 Hamilton Mill Parkway | Dacula GA 30019
C 678.794.0763 | F 770.271.4181
Want to play tomorrow? Click here and Join today for ONLY $100!
Daniel Smith General Manager / Tournament Organizer Traditions of Braselton
dsmith@canongategolf.com
350 Traditions Way | Jefferson GA 30549
Pro Shop 706.363.9963
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Upcoming Golf Programs at Traditions . . .
Short on Holiday gift ideas? How about Winter Golf!!!
Just because the Bermuda grass goes dormant in the winter, don’t let your golf game do the same!
Keep your game sharp so when spring comes around you are ready to take it to the golf course!
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"Individual lesson packages, ladies clinics, and clinics for beginners are available."
RESERVATIONS REQUIRED FOR ALL PROGRAMS
To make your reservation for a program above or for more information, contact:
Jeff Kaneko
Head Teaching Professional
Canongate at Traditions of Braselton
350 Traditions Way
Jefferson, GA 30549
(706) 363-9963 - Pro Shop
(706) 658-0071 - Fax
www.cgperformancecenters.com jkaneko@canongategolf.com
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about Jackson EMC . . .
Jackson Electric Membership Corporation (EMC) is a recognized leader in energy efficient products and services for the home. Recognized by the U.S. Environmental Protection Agency (EPA) with a 2009 ENERGY STAR Leadership in Housing Award, the cooperative has worked with Traditions builders since the development was being planned to construct energy efficient Right Choice™ homes, an ENERGY STAR qualified product. From design through construction, these homes are inspected by qualified technicians to ensure the home and its heating and cooling system meet energy efficiency standards. Right Choice homes offer homeowners unparalleled comfort, along with a three-year warranty guaranteeing that heating and cooling energy costs will be below a specified annual amount.
If you’re not a Right Choice homeowner, Jackson EMC offers Traditions residents a wide variety of energy management tools, from online calculators that let you know where your energy dollars are going, to in-person or do-it-yourself energy audits. For serious comfort and cost issues, residents can turn to the Right Choice Home Performance with ENERGY STAR audit, a high-tech measurement of your home’s thermal envelope. Like an MRI for your home, the Home Performance audit uses state of the art technology to see behind walls and into ductwork, producing a comprehensive report that reveals energy efficiency issues and makes recommendations for improvements. And, a Right Choice contractor network is on call to handle those improvements.
Concerned about security? Jackson EMC’s joint venture, EMC Security, offers state-of-the-art residential security services, from intrusion and fire to video monitoring, as well as home technology services that include advanced wiring, whole home audio, home theaters and central vacuum.
Jackson EMC is one of the largest electric cooperatives in the country, serving more than 204,000 meters in 10 Northeast Georgia counties. Owned by the members we serve, the cooperative proudly returns a portion of the revenues left after the costs of doing business to its member/owners and has returned more than $78 million to its members since we began providing electricity in 1939.
For more information about our products and services,
please call 706-367-5281 or visit
http://www.jacksonemc.com/Right-Choice.rightchoice.0.html
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about Knightyme Video Tours . . .
Knightyme Video Tours are an affordable, indispensable part of your marketing campaign. With every video you order, you'll get a complete package including the initial video shoot, video editing, license-free custom music, custom voice over, and a link to your online video which may be emailed, posted on your website, added to blogs, or anywhere else you can imagine on the Internet! As a part of our residential package, we will post the video tours to your MLS listings for free. Call now, and start selling today!
KNIGHTYME VIDEO TOURS
Address: 2875 Breckinridge Blvd Suite 700
Duluth, GA 30096
Phone: (678)-318-1468 Etx. 587
Email: KnightymeVideoTours@gmail.com
Web site: http://www.kvtours.com/
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