Life and Homes Birmingham, AL

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January April 20102011

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Life and

Notes from the Editor

Homes

With a new beginning in this brand new year, we reflect on the year with wonder at how time flies and passes so quickly.

BIRmingham, al Edition

Published By LIfeandhomes franchise, INC.

I personally am not one for New Year’s Resolutions; I suppose I am more about making the best of situations anyway, so I can’t foresee something

Publication Franchisor Davi d P. L i si

making me pledge to resolve it in a timeframe. However, if I were to suggest a New Years attitude, it would be to find the “best” in those around us and

Corporate Editor Kim Li si

to keep an open mind to change. In our world today and particularly in

Kim@dslisi.com

real estate and home ownership, 2010 will most likely go in the record

Birmingham SW Franchise

books as a challenging year. With optimism and determination, I would

LAH1, LLC. 201 Cahaba Valley Parkway Pelham, AL 35124

resolve for a new attitude about the quality of our lives and strive to make Donna Brandenburg them better. We are surrounded by beautiful land, mild weather, except

Managing Editor 205-682-6901 • donna@lifeandhomes.com

for the rare snow fall, and occasional storm fronts that enhance our rolling green hills. Our pride in our communities and developments makes those that visit our area understand why we love it here. We are very fortunate, and I hope this year will give you a few moments to pause and appreciate all that we do have.

truly happy person is one who can enjoy the scenery on a detour!

I totally understand that buying a home or selling a home can be the gambit of all emotions: excitement, fear, anticipation and joy. Change is what drives us, and we adjust with it as we can. There are so many talented and understanding realtors, mortgage officers, and merchants willing to help with those changes. My hope is that you find those resources of help in our LifeandHomes™ magazine.

Marke print /online

t AllYour Listin gs foras Lowas

Donna@lifeandhomes.com

Corporate Support Darle ne Pipkin

$15

urg b n e d n a r B a n n Do

Marketing Consultant Cand ace Rayfi eld Nina Lockar d Contributing Writers Rob ert Need ham M ark Schrade

Advertising Deadline February Issue January 28, 2011

Corporate Office LifeandHomes Franchise, Inc. PO Box 18 Holland Patent, NY 13354

315-865-5845 Fax 1-315-865-7418 www.LifeandHomes.com

Birmingham, AL

For franchise information call, 1-800-961-0420 Life and Homes is published monthly by LAH1, LLC. Every effort has been made to ensure that home listings, advertisements and information are free of errors or omissions.

The publisher does not guarantee the accuracy of the submitted information to Life and Homes Magazine and assumes no liability.

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L i f e and H o m e s

Managing Editor Donna Brande nb urg

Graphic Support N athan Sh ug art

A good friend of mine sent a lovely thought about stress to my email last week, and I would just like to quote a line from the article. *A

205-682-6901

The Most Affordable Way to Promote Your Listings Call 205-682-6901

2

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

This information has been compiled from public records and other sources we believe to be reliable, but we make no guarantee with respect to its accuracy or completeness or the absence of restrictions on use and are not responsible for any liability, loss, or risk that subscribers may incur, directly or indirectly, from using the contents of this site.

Copyright © 2010 LAH1, LLC.

Mortgage Options

for Military

When military heroes return home from the Middle East, they may find a completely changed housing landscape - which could be good news for them.

In just the last two years, housing prices have plummeted, making homes more affordable than at any time in the last five decades. Now, mortgage rates have seen historic levels, bringing the American dream of home ownership to many.

Making matters better for returning armed service members is the benefit of the Department of Veterans Affairs (VA) loan, a special mortgage program offered exclusively to active and retired military service members as well as to the widows of those who gave their lives in service.

“VA loans are a very underused benefit of being in the military,” said Jay Farner, president of Quicken Loans, the nation’s largest online lender. “With housing prices falling so significantly over the last two years, there is a great opportunity to purchase a home at incredibly affordable prices.”

VA loans are similar to a conventional mortgage but have some very important flexibility. The program, which can be used to purchase as well as refinance a home, requires no down payment, offers relaxed credit score guidelines and allows loan fees to be rolled into the mortgage. In addition, VA loans do not require mortgage insurance, a potentially costly expense regularly paid by homeowners with less than 20 percent equity in their homes.

Energy Help for Elders

Information that many older adults may greet warmly is just what types of energy assistance might be available to them. To help, the Eldercare Locator offers resources and tips: • To find out about energy assistance programs, contact the Eldercare Locator at (800) 677-1116 or visit www.eldercare.gov and get connected with your local Area Agency on Aging.

• Take advantage of special heating assistance funds and no-cutoff eligibility programs from utility providers.

• Make sure your home is energy efficient.

Information is available from the Environmental Protection Agency’s Energy Star program at www.energystar.gov.

kidney problems or high blood pressure in adults.

Dwellings built before the Safe Drinking Water Act amendments of 1986 are especially vulnerable.

Lead can sometimes “leach” from pipes in the water service line entering a building or from welds used on pipes in the home. However, there are several things you can do to decrease or eliminate the threat of lead in your drinking water: Tips to Reduce Your Exposure to Lead • Do not consume water that has been sitting in your home’s plumbing system for more than six hours.

• Run cold water for 15 to 30 seconds before drinking it.

• Use cold water for drinking or cooking.

• Never cook or mix infant formula using hot water from the tap.

• Use a faucet or filters that can remove lead from drinking water.

• Use a professionally installed water filter system on the pipes entering your home as well as under the faucets in your kitchen and bathrooms.

• Get a free, helpful brochure, “Winter Warmth and Safety: Home Energy Tips for Older Adults,” by calling (800) 677-1116.

• Put your filtered water in a safe container— glass or BPA-free plastic.

The Eldercare Locator is a public service of the U.S. Administration on Aging and is administered by the National Association of Area Agencies on Aging. (NAPSI)

• Invest in lead-free, energy-saving plumbing products such as balancing valves and the brass ITT Bell & Gossett ecocirc® water circulating pump that can save a family of four up to 12,000 gallons of water a year.

Drinking Water Get The Lead Out

of LifeandHomes Don’t miss that Special Home you’ve been looking for.

Have a PDF sent right to your email. visit www.LifeandHomes.com Click on the magazine www.Life and Homes .com

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L i f e and H o m e s

Extended exposure to lead in drinking water can cause adverse health effects ranging from delayed physical and mental development in children to

Free Delivery

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While many people are aware of the dangers of lead in paints and toys, the Environmental Protection Agency (EPA) says potentially toxic lead is most commonly found in a home’s plumbing and water system.

To learn more about how to get the lead out of your drinking water, check out EPA’s Safe Drinking Water Hotline at (800) 426-4791 and website www.epa.gov/safewater/lead/index.html. Explore lead-free and energy-efficient products at www.bellgossett.com. (NAPSI) January

The program has been a moderate success, with the Veterans Affairs office guaranteeing more than 14 million VA loans since the end of World War II. However, this represents only a fraction of those eligible to get the benefit. “There are very few loan options available as flexible as the VA loan. Every veteran should at least investigate before buying or refinancing a home,” Farner added. Several lenders, including Quicken Loans, offer VA loans, and the Veterans Affairs office also offers information on the loan program.

(NAPSI)

newsShorts

Be Aware Of

Bed Bugs:

With bed bug infestations on the rise, you may want to learn more about keeping your home free of these invasive insects.

Bob Hickman, a pest control professional with BASF, works with key researchers, pest management professionals and the public to better understand and improve bed bug control. Here, he offers some insight.

Bed bugs love dark, secluded spaces with a lot of nooks and crannies to hide in. They also need access to humans for their meals. So they do best in places like hotels, hostels, dormitories, camps, apartment buildings and even hospitals, movie theaters and air and rail cabins.

Travel creates risk mainly because you are moving from place to place frequently and using spaces that have been visited by many different people from many different places.

How can you tell if there are bed bugs in your room? Most hotels do everything they can to prevent infestation. Taking a few simple steps can lower your risk. When you get to a hotel, check your room for any signs of bed bugs. They could be lurking on the bed itself, in headboards, wall hangings, draperies, furniture or carpets.

Check seams and edges carefully for any live bugs, skeletons, eggs or tiny blood stains.

L i f e and H o m e s

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Birmingham, AL

It’s a good idea to use the metal luggage rack the hotel provides. Bed bugs cannot easily climb metal. If you have more items with you than fit on the rack, keep them in the bathtub or on the bathroom counter, as smoother surfaces also inhibit bed bug climbing. Avoid putting your clothing, luggage or bags on beds, as this is the most likely place bed bugs may hide. If you are very concerned, bring a plastic trash bag and put your whole suitcase and other luggage in it overnight.

When you get home, leave your luggage in the garage or another place outside your home, so any bugs hidden in your luggage will not get into your house. Wash and dry every item of clothing in hot water and dry them on high heat immediately 4

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

newsShorts when you return. Bed bugs do not tolerate heat, and laundering items will reduce the risk that any stowaways get into your home.

For more information, visit www.bedbuginstitute.com. (NAPSI)

Taking A Trip?

Secure Your Home First Four to five minutes-that could be the difference between whether or not your return home from your trip is ruined by a burglar.

"People don't realize that going on vacation can be an invitation for would-be thieves," says Mike Convery, vice president and chief claim officer at MetLife Auto & Home®. "Or that the average burglary will result in a loss of more than $2,000."

In fact, the Insurance Information Institute indicates nine out of 10 break-ins could have been prevented if homeowners had burglar-proofed their properties.

The simple act of locking your doors before leaving home can go a long way toward deterring a burglar.

According to the U.S. Department of Justice, more than 50 percent of burglars use an unlocked door or window to gain access to a home.

DO get an assist from technology. A solar-powered, motion-sensor light - which doesn't require an electrician to install - illuminates your property so that lurking intruders are easier for neighbors and passing patrol cars to spot.

DON'T hide keys in "secret places" outside your home. Most burglars know where to look. Better to leave a duplicate with someone you trust.

DO invest in a burglar alarm. The most effective ones notify an outside service of trouble, but any kind is a good deterrent. Just make sure there's a friend or family member available to turn it off if it's set off in your absence.

One last thing: "In addition to those preventive measures, all homeowners should complete a personal property inventory," says Convery. "That way, if you are burglarized, you'll already have a detailed list of your valuables for the authorities, which can be a difficult task after the fact."

You can get a free Personal Property Inventory brochure from MetLife Auto & Home by calling (800) 608-0190. (NAPSI)

Join Us Weekly

Entertaining TV Show about Life and Home

How else can you avoid returning to a home that's been ransacked? Read on for some "Do's" and "Don'ts" from the experts:

On Demand Video at www.LifeandHomes.com Click on Video Channel

DON'T advertise you're away. Arrange to have the lawn mowed, put lights and electronics on variable timers, and - to really complete the illusion - ask a neighbor to park a car in your driveway.

• Tips and Services • Home Video Tours • Home Improvements • Interesting Family Life • Interviews

DO make would-be thieves feel both exposed and contained. Choose picket or chain-link fencing instead of solid fencing to create a physical barrier that's less easy to hide behind. Keep hedges clipped to around waist level.

DON'T hesitate to rearrange things. Those expensive belongings, including TVs and stereo systems, might as well have a sign on them saying "Take Me" if they're left in plain view from windows and doors.

Hosted by

Jill Hayes

TV & Video Channel

January â–

www.Life and Homes .com

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L i f e and H o m e s

metroChurch

Building a Fantastic Family for the New Year Psychologist Alfred Ellis, in his book “Family Love,” has stated, “Nothing affects the way we think, feel, act, react, love, marry or live more than the family.”

If we are going to build fantastic families we cannot leave that desire to just “hoping” it will happen. The New Year is a good time to make these “Family New Year’s Resolutions.”

Dr. Joe Bean has suggested that we “dig for the diamonds,” or, the good in others. Affirm your children verbally and share affection and appreciation regularly. Keep a sense of humor and accept one another in spite of individual idiosyncrasies.

3. Share Positive Communications:

Ask each family member to share what it means to him to be committed to you family for the long haul.

Commit to your marriage, each other, to honoring and value one another.

Always allow enough time to communicate with one another. Be sure to listen and get inside another person’s world. Deal with conflicts quickly. Use your communication to build up, rather than tear-up one another.

Birmingham, AL

1. Commit To Your Family:

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2. Share Appreciation and Affection With You Family:

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

4. Spend Quality Time With Your Family: Share meals together, do chores together, play together, attend church together, etc. Spending time together matures the members of your family and leads to better relationships and communication.

5. Affirm Spiritual Values: Pray and study the Word of God together on a regular basis. Observe meaningful spiritual traditions that give your family a sense of purpose and meaning in life. Don’t forget to use your faith as a guide for the abundant living God intended and enjoy building a “Fantastic Family!”

Mark Schrade Senior Pastor Metropolitan Church of God 2800 Metropolitan Way Birmingham, AL 35243 www.metrocog.org

Jonathan Potter, Birmingham native, has just released his first literary work titled, Spiritual Identity Fraud – Restoring God’s Sons and Daughters.

This book has two major themes that intertwine throughout its pages.

First, it deals with the often hidden area of sexual brokenness that men grapple with, and the redemption found through the grace of God. This captivating book also explores three portraits of identity that Christians experience including: The false masks we wear that hinder us from engaging in true fellowship with one another. Next it exposes and dismantles the work of Satan who seeks to steal our identity and birthright as children of God. Finally, it chronicles the amazing inheritance we all have as children of God, and how to live out this inheritance through a life hallmarked by grace and balanced servanthood. This book will genuinely change your life and is a must read for those who want a deeper relationship with Jesus Christ!

Lee Grady, Editor In Chief of Charisma Magazine, says, “I believe Jon Potter’s book can start a revolution—a revolution of honesty. It is time for all of us to come out of hiding. And I believe this significant book will help you make the journey toward true healing.”

Jon is a sought after evangelist, conference speaker, and minister. He graduated from Lee university in 1989 where he earned a bachelor’s degree in psychology.

After Lee, Jon attended the University of Georgia where he completed a master’s degree in education with an emphasis in counseling in 1991. He spent eleven years in corporate America. This tenure ended when he accepted the call to full-time ministry in 2001.

Jon and his wife, Lisa, have been married for 20 years, have three children, and reside in Birmingham, Alabama. For more information visit www.jonpotterministries.net Spiritual Identity Fraud can be purchased on major book sellers websites including Amazon, Barnes and Noble, and Books-A-Million.

January ■

www.Life and Homes .com

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L i f e and H o m e s

FIRST LIBERTY FINANCIAL MORTGAGE

205.332.5626 888.849.7888

3141 Lorna Road/Suite 102 Birmingham, AL 35216 www.firstliberty.net

First Liberty Financial Mortgage is lending in your community with that big bank feel and local lender appeal. We offer a streamlined process with services such as Electronic Signature and in-house Underwriting, Processing and Funding.

Debra Cunningham Branch Manager NMLS#187959

Ian Mills Assistant Branch Manager NMLS#202566

Amanda Roberts Senior Mortgage Banker NMLS#222012

John Ball Senior Mortgage Banker NMLS#305362

Richard Diamond Senior Mortgage Banker NMLS#190698

• Specialized Programs to Fit Your Needs • In-House FHA/VA/Conventional Underwriting, Processing, and Funding • 4.2 out of 5 stars with Lending Tree.com • Offer Guaranteed 10 Day Closing to Qualified Buyers

We also have the most up to date, web based loan origination system that allows you 24 hour on-line access to your loan information and status. Our dedicated, expert team of mortgage professionals takes pride in achieving unparalleled levels of service in the communities they serve.

Every member of the First Liberty team is committed to quality and excellence. Your satisfaction is our number one priority. Give one of our mortgage professionals a call today and begin the first steps in making your dream a reality.

First Liberty Financial Mortgage, LLC, Equal Housing Lender.

Credit and Collateral are subject to approval. Terms and conditions apply.

This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

TOMMurphy MURPHYRealty REALTY Tom Real Estate Professional of Birmingham, AL Heatherwood

5 Bedrooms/ 4.5 Baths

$379,900

Oak Mountain Schools! Fabulous Kitchen features walk in pantry & side by side closets. 2 Car main level garage. Master with jacuzzi tub & separate shower, double sinks & walk-in closets. Full finished basement and much more!! Listing Agents: Terra Styers Weaver 205-907-3246 and Lisa Davis 205-281-3956.

MLS#482118

Birmingham, AL

Altadena South

3 Bedrooms/ 2 Baths

OAK MOUNTAIN SCHOOLS - This 3 bedroom 2 bath home is just waiting for you. Make your appointment today to see it!

Close to Shopping Listing Agent: Ann Hutchison - 205-365-9318

MLS#480528

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L i f e and H o m e s

$146,900

Vance

3 Bedrooms/ 2 Baths

8

We br i n g p e o p l e a n d h o m e s t o g e t h e r .

www.TomMurphyRealty.com

$134,900

TMR

Clients are Number One Warrior

3 Bedrooms/ 2 Baths

$159,900

Beautifully updated ranch home with 3 acres of land located close to the interstate at the Blount Springs Garden City exit. This large (2,520 sf) home has been TOTALLY updated everything that could be done was done and it is ready to move into immediately.

Listing Agent: Eddy Harris - 205-492-6728

MLS#471709

Alabaster

5 Bedrooms/ 3 Baths

$245,000

TONS OF SPACE - $30,000+/- below tax value!! This well kept, all brick home features hardwood, tile & carpeted flooring, fresh paint inside, & an open floor plan. Half of basement is unfinished & provides great storage, or finish it for extra living space.

Listing Agent: Sybil Owens - 205-960-0871

MLS#482864

NO DOWNPAYMENT for Qualified Purchasers…This Home Qualifies for a USDA Rural Housing Loan. Attractive Split Bedroom Plan, Oversized MBR, Low Maint Ext, 2 Car Garage, Level Back Yard. Call for Your Appt and Loan Details.

Listing Agent: Sandra Norris 266-5515

MLS#475918

205-988-5444

Investors Wanted Corporate Owned Properties

Call 205-988-5444

Open Market Listing Service™ Birmingham

$289,000

3860 Guyton Road 13.5 Acres Near Russet Woods

LifeandHomes.com S RE C 6A

Calera

$495,000 575 Mountain Forest Trail 4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41905

For more details visit www.LifeandHomes.com Type in Quick Search #42313

Linda J. Carroll • 205-915-3097

Becky Hicks • 205-533-4445

RealtySouth

RealtySouth-OTM-Acton Road

Associate Broker • licarroll@realtysouth.com

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Birmingham

$224,900

4309 Overlook Drive 3 Bedrooms / 1.5 Baths

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

S RE C A 4+

For more details visit www.LifeandHomes.com Type in Quick Search #41903

RealtySouth

Linda J. Carroll • 205-915-3097 Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Calera

$435,000 466 Mountain Forest Trail 4 Bedrooms / 4.0 Baths For more details visit www.LifeandHomes.com Type in Quick Search #42312

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Birmingham

Chelsea

1447 River Walk Circle #52

188 Oaklyn Hills Drive

3 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42302

For more details visit www.LifeandHomes.com Type in Quick Search #42431

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

$274,900

Re/Max First Choice

Ted McLaughlin • 205-746-0393 Licensed Agent • ted@tedmclaughlin.net

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Calera

$98,900 655 The Heights Lane #73

Helena

2 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42433

For more details visit www.LifeandHomes.com Type in Quick Search #41904

Ted McLaughlin • 205-746-0393

Linda J. Carroll • 205-915-3097

Re/Max First Choice Licensed Agent • ted@tedmclaughlin.net

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Calera

$114,000

$117,900 1459 Amberley Woods Cove

RealtySouth

Associate Broker • licarroll@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Helena

2079 Village Lane

$189,900 4560 South Shades Crest Road

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42458

For more details visit www.LifeandHomes.com Type in Quick Search #42207

Ted McLaughlin • 205-746-0393

Pat Morgan • 205-531-8157

Re/Max First Choice Licensed Agent • ted@tedmclaughlin.net

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Linda Carroll Cell: 205.915.3097

WHERE I TURN YOUR DREAMS INTO AN ADDRESS! Dee Dee Harrison-Bush B.S., ABR, SFR Realty South Inverness

205.382.0586

bhamforeclosures.com Your key to foreclosed properties!

Family of Services

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L i f e and H o m e s

Whether you are ready to sell your home, are a first-time home buyer, a senior ready to downsize, or an investor, I have the knowledge and experience to help you. Pelham has been my home for over 20 years and I look forward to working with you.

www.aldreamhouse.com

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Email: licarroll@realtysouth.com Web: LindaCarrollRealtor.com www.RealtySouth.com

Licensed R.E. Agent • jmpmorgan@aol.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

January

Associate Broker ABR, SFR, SRES, RSPS, E-PRO

RealtySouth-OTM-Acton Road

LifeandHomes.com Homewood

Open Market Listing Service™ Hoover

215 W Linwood Drive

$284,900

$381,800 5188 Crossings Parkway

3 Bedrooms / 2.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41981

For more details visit www.LifeandHomes.com Type in Quick Search #42448

RealtySouth-OTM-Acton Road

RealtySouth-OTM-Acton Road

Linda Ford • 205-401-4565

Linda Ford • 205-401-4565

Licensed RE Agent • lford@realtysouth.com

Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

2320 FarleyTerrace

$169,000

$479,900 5176 Crossings Parkway

3 Bedrooms / 2.0 Baths

4 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42190

For more details visit www.LifeandHomes.com Type in Quick Search #42208

RealtySouth

RealtySouth-OTM-Acton Road

Linda J. Carroll • 205-915-3097

Linda Ford • 205-401-4565

Associate Broker • licarroll@realtysouth.com

Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

307 Great View Circle

$349,999

$57,900 2829 Georgetown Road #C

6 Bedrooms / 4.0 Baths

1 Bedrooms / 1.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42315

For more details visit www.LifeandHomes.com Type in Quick Search #42300

Becky Hicks • 205-533-4445

Linda Ford • 205-401-4565

RealtySouth-OTM-Acton Road

RealtySouth-OTM-Acton Road

Realtor • beckyhicks@realtysouth.com

Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$535,000

3236 Crossings Drive

4 Bedrooms / 4.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42317

For more details visit www.LifeandHomes.com Type in Quick Search #42298

Becky Hicks • 205-533-4445

Linda Ford • 205-401-4565

RealtySouth-OTM-Acton Road

RealtySouth-OTM-Acton Road

Realtor • beckyhicks@realtysouth.com

Licensed RE Agent • lford@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$279,900

5928 Waterscape Pass

$395,000 5252 Crossings Parkway

4 Bedrooms / 2.5 Baths

3 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42310

For more details visit www.LifeandHomes.com Type in Quick Search #41979

Becky Hicks • 205-533-4445

Pat Morgan • 205-531-8157

RealtySouth-OTM-Acton Road

RealtySouth-OTM-Acton Road

Realtor • beckyhicks@realtysouth.com

Licensed R.E. Agent • jmpmorgan@aol.com

Birmingham, AL

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

New homes in Hoover Starting at $239,900 Compare the Value Four sides brick, irrigation systems, granite counters, tile showers, garden tubs, gas fireplaces, tile, hardwoods, two-car garages, Hoover schools.

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$284,900

1073 South Lake Cove

Contact Kyle Forstman

205.441.6031 www.newcastle-homes.com 10

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Open Market Listing Service™

LifeandHomes.com

Hoover

$399,000 1614 Fairway View Drive

McCalla

5 Bedrooms / 4.5 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #41976

For more details visit www.LifeandHomes.com Type in Quick Search #42447

RealtySouth-OTM-Acton Road

Re/Max First Choice

Pat Morgan • 205-531-8157

Ted McLaughlin • 205-746-0393

Licensed R.E. Agent • jmpmorgan@aol.com

Licensed Agent • ted@tedmclaughlin.net

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$330,000

23 The Oaks Circle #23 4 Bedrooms / 3.5 Baths

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

S RE C A 3+

McCalla

$314,000

6682 Lou George Loop 3 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42269

For more details visit www.LifeandHomes.com Type in Quick Search #42314

TMI Real Estate

RealtySouth-OTM-Acton Road

Ginger Sherrill Bryant • 205-999-0752

Becky Hicks • 205-533-4445

Agent • alrealtor@hotmail.com

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Hoover

$165,900

6148 Cathwick Drive

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Morris

$207,500

$190,000

4564 Lake Valley Drive

1797 Glennwood Road

2 Bedrooms / 2.5 Baths

4 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42268

For more details visit www.LifeandHomes.com Type in Quick Search #42456

Ginger Sherrill Bryant • 205-999-0752

Becky Hicks • 205-533-4445

TMI Real Estate

RealtySouth-OTM-Acton Road

Agent • alrealtor@hotmail.com

Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Inverness

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Pelham

$269,000

$129,900

5152 Kirkwall Lane

504 Walker Road

3 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42464

For more details visit www.LifeandHomes.com Type in Quick Search #42435

DeeDee Harrison-Bush • 205-382-0586

Colleen Black • 205-677-8696

RealtySouth Inverness

Keller Williams Alabaster

Licensed Agent • dharrison@realtysouth.com

Lic. R. E. Agent • Colleen@theblackteam.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Irondale

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Pelham

$116,900

513 LaSalle Lane

$119,400 2225 Williamsburg Drive

3 Bedrooms / 2.0 Baths

4 Bedrooms / 2.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42446

For more details visit www.LifeandHomes.com Type in Quick Search #42189

Ted McLaughlin • 205-746-0393

Linda J. Carroll 205-915-3097 Protect your• air conditioning and copper from theft with one of o

Re/Max First Choice

RealtySouth

Licensed Agent • ted@tedmclaughlin.net

Associate Broker • licarroll@realtysouth.com

cages. Bar and mesh style available. Cage tilts allowing for service Bank of America Home Loans • Free Pre-Approval • 205.967.0585 access to A/C unit.

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Sanctuary:

(noun) \’san(k)-ch -,wer-e\: refuge, shelter, haven…

Upscale Garden Homes

Wooded Areas

Lake Views

Homes designed to fit your needs!

The Sanctuary off Valleydale Road Linda Ford - 401.4565 • Pat Morgan - 531.8157 www.Life and Homes .com

11

L i f e and H o m e s

Your Search is Over!

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www.TMIRealEstate.com

January

Realtor O - 205.985.1010 C - 205.999.0752 alrealtor@hotmail.com 4524 Southlake Parkway, Suite 16 Birmingham, AL35244

e

Ginger Sherrill Bryant, GRI

Is Starting a Business in this Economy a

Good Idea?

As I travel the country speaking at business and ministry seminars, I am often asked the question “Is starting a business in this economy a good idea?” My answer is, “It depends!”

Robert A. Needham. JD. and be willing to work hard. Lack of either is a recipe for failure.

L i f e and H o m e s

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Birmingham, AL

What I mean by this ambivalent answer is that it depends on you. Let’s consider first what type of risk taker you are. First, have you always worked for someone else? Would the loss of your paycheck for 3 months cause you to panic? Are you a self starter, or do you need someone to tell you what to do? If your answer to the majority of these questions is “yes”, then you should really consider it before starting a business of your own. By contrast, entrepreneurs are risk takers by definition.

As a result they cause things to happen. This is not without risk. According to industry statistics, over 85% of business start-ups fail within the first 10 years, and most of them in the first 5 years. Why is that?

Businesses fail for two primary reasons: 1) Lack of a well thought out plan, and 2) lack of enough working capital.

The lack of working capital being the greatest reason a business fails. A friend of mine said, “A perfect plan, executed poorly, almost always fails; but a poor plan executed with excellence, almost always works.” So the answer here lies in the “action” or execution, not the plan. So in order to be successful in owning a business, you need to have enough money 12

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Picking The Right Business Next after have the money and motivation, comes profitability. In today’s business market, we have all seen businesses fail because they are too fragile; meaning that their overhead exceeds their capacity to earn. Fixed overhead is the greatest risk to a company’s budget.

You must first determine a companies Gross Margin (GM). GM = Total Sales – Total Cost of Goods. To get the percentage divide by total sales. If the GM percentage is less than 50%, then you must have high sales volume to succeed. For this reason, I recommend that your first business be a mobile service type business with a GM of 70% or higher.

Remember keeping your overhead low is the key.

Yield, ROI and ROP. Will Rogers said, “People are more concerned with the return OF their money than the return ON their money.” I say, “The fear of loss is greater than the desire for gain.” Either way, Fear is the issue. Return of Principal (ROP) is first. Said another way, how long does it take to get your money back? I call this the i-Factor.

If the assumed net profit before tax (after all business expenses are taken) divided by the investment to start the business is greater than 1 for the first year, this is a special kind of business I call “Agile.” If your business is Agile, you should get a ROP in 12 months or less.

Return on Investment (ROI) is the percentage that you earn on the assets at risk. So if you earn $50,000 on a $100,000 risk, then your ROI is 50%. Most businesses earn an ROI of less than 20%. So if your ROI is 20%, then your ROP is 5 years.

Comparing this to a bank CD which might Yield 2% today, you have to know a banking rule called the Rule of 72’s. This rule says if you take the number 72 and divide it by your interest rate, this is how long it takes for your money to double. 72/2 = 36 years.

Now The Answer To The Question If you can wait 36 years for your money to double in this economy and you hate risk, don’t buy a business. But if you need more income and you are willing to take a risk and desire to double your money in 1 to 5 years, consider owning a business.

About the Author Dr. Needham is a franchise and business consultant with over 25 years consulting experience and is a resident of Helena, Alabama. His books are a must read if you are considering owning a business. Wealth 3.0 – Saving America One Small Business At A Time can be purchased at www.drneedham.com

Open Market Listing Service™ Pelham

LifeandHomes.com

$134,900

$375,000

2816 Abingdon Parkway

2 Bedrooms / 2.0 Baths

4 Bedrooms / 3.5 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42272

For more details visit www.LifeandHomes.com Type in Quick Search #42308

Ginger Sherrill Bryant • 205-999-0752

Becky Hicks • 205-533-4445

TMI Real Estate Agent • alrealtor@hotmail.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$124,000

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$339,000

3705 Haven View Circle

3449 River Terrace Dr

4 Bedrooms / 2.5 Baths

4 Bedrooms / 3.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42430

For more details visit www.LifeandHomes.com Type in Quick Search #42307

Allen Kipp • 205-451-8794

Becky Hicks • 205-533-4445

RealtySouth Inverness

Licensed Real Estate Agent • akipp@realtysouth.com

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$349,900 1947 Shades Crest Road

Vestavia Hills

4 Bedrooms / 3.0 Baths

2 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42457

For more details visit www.LifeandHomes.com Type in Quick Search #42303

Becky Hicks • 205-533-4445

Becky Hicks • 205-533-4445

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Vestavia Hills

$169,000 1853 Rockwood Road #1853

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

$189,000

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$999,000

1913 Highfield Drive

2209 Southwood Road

3 Bedrooms / 2.0 Baths

4 Bedrooms / 4.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42304

For more details visit www.LifeandHomes.com Type in Quick Search #42309

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Vestavia Hills

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

$319,900

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

Vestavia Hills

$240,000

208 Shades Crest Circle

3970 Christopher Drive

4 Bedrooms / 3.0 Baths

3 Bedrooms / 2.0 Baths

For more details visit www.LifeandHomes.com Type in Quick Search #42306

For more details visit www.LifeandHomes.com Type in Quick Search #42305

RealtySouth-OTM-Acton Road Becky Hicks • 205-533-4445 Realtor • beckyhicks@realtysouth.com

Thinking of Buying or Selling?

TM

S T O R A G E

sales@coolbox.com www.coolboxprivatestorage.com

1.800.341.5543

“We will beat anyone’s price!”

2711 Mamie Foster – Homewood, AL 35209

205.871.8500 sullivanpest@yahoo.com

Eco-friendly pest products on request

Contact Me Today Professional Advice, Knowledge and Service

Becky Hicks

Licensed Realtor 205.533.4445 RealtySouth Over The Mountain – Acton Road beckyhicks@realtysouth.com www.Life and Homes .com

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L i f e and H o m e s

205.685.0244

Bonded & Insured Termite & Pest Control, Inc.

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50 Gilbert Drive Alabaster, AL 35007

Becky Hicks • 205-533-4445

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

January

COOLBOX

RealtySouth-OTM-Acton Road Realtor • beckyhicks@realtysouth.com

Bank of America Home Loans • Free Pre-Approval • 205.967.0585

Equal Housing Lender • Member FDIC

P R I V A T E

Vestavia Hills

163 Hayesbury Court

Birmingham, AL â–

L i f e and H o m e s

14

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

Low-Cost, Big-Impact

Home Improvement Projects If you’re looking for an inexpensive way to brighten up your home’s decor, consider painting high-profile features such as doors or cabinets. Fixing up these smaller spaces can really make a big impact.

Here are a few tips from the experts at Behr on how to proceed: How to Paint an Exterior Door: The Door Frame Step 1. Starting at the top door frame, begin painting the inside of the frame. Work outward from the edge of the door.

Step 2. Continue until the frame is complete.

Wipe away the excess paint.

The Door Trim Step 1. Starting at the top corner of the door trim, paint along the side edge of the trim where it meets the wall. Continue until all side edges of the trim are complete.

Step 2. Return to the top of the door trim and paint the face of the trim.

Step 3. Continue until the door trim is complete.

The Stiles and Openings Step 1. Pour thoroughly mixed paint into a bucket and dip a quality 2- to 21/2-inch wide nylon/poly-ester brush into the paint. When using more than one gallon of paint, combine the colors for better color uniformity. This intermixing is called boxing.

Step 2. With your brush, paint the inside edges of the cabinet door openings.

Step 3. Paint the middle stile from top to bottom, following the wood grain. Then paint remaining stiles in the following order: top, bottom, left, right.

The Side Panels Step 1. Using your brush, paint (cut in) around the perimeter of the cabinet where it meets the ceiling, walls, countertops and floor.

Step 2. Pour paint into a paint tray. Work the roller into the tray until it is fully loaded with paint. For best results, use a ¼-inch roller cover.

Step 4. Paint the door frame in the following order: top, bottom, left, right.

Step 5. Paint the backside of the door. Leave the doors open until the paint is completely dry.

Need inspiration? Visit Behr. com, where you can browse image libraries for inspiration and find design, style and color trend advice from experts. You can use the ColorSmart by Behr feature to coordinate color online and apply colors virtually to your walls using the Paint Your Place feature. Using the Virtual Color Center, you can view all Behr paint colors from the comfort of your own home.

You can also order 8-oz. paint samples on the site, making it easier to test colors in your home without having to buy quart- and gallon-size containers. What’s more, you can find tips on a variety of projects such as painting ceilings, floors, shutters, siding and stucco trim.

Behr paint is available exclusively at The Home Depot. For more information, visit www.behr.com. (NAPSI)

The Paneled Doors Step 1. Paint the edges around the perimeter of the door.

www.Life and Homes .com

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L i f e and H o m e s

Step 3. Starting with the top panel of the door, paint into the recessed area of the panel.

Begin at a corner of the recess and continue around its perimeter. Work from top of the door to the bottom.

How to Paint a Cabinet:

Step 3. After painting the entire panel, wipe away the excess paint that has overlapped onto the door frame.

■

Step 2. With your brush, paint the inside and outside edges of the door.

Step 5. When the panels are complete, paint the stiles of the door in the following order: middle, top, center, bottom, left, right.

Step 2. With the door open, paint the recess of the door panel. Start at a corner of the recess and continue around its perimeter.

January

The Door Step 1. Pour thoroughly mixed paint into a bucket and dip a quality 2- to 21/2-inch wide nylon/poly-ester brush into the paint. When working outside, work out of direct sunlight and in temperatures between 50ºF and 90ºF with moderate humidity.

Step 4. Paint the remainder of the panel until the entire panel is complete. Repeat until all panels are complete. Wipe away any excess paint. To eliminate unwanted brushstrokes, smooth out the panel by taking a lighter stroke over the newly painted area.

Birmingham, AL

GOT COPPER?

L i f e and H o m e s

â–

Protect your air conditioning and copper from theft with one of our cages.

205-682-2887 Sarah Hiltbruner Groomer/Co-Owner

LiAnn Farmer Groomer/Co-Owner

9340 Helena Road, Ste A 16

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

PO Box 25 Wilsonville, Alabama Phone 205-515-4715

Bar and mesh styles available. Cage tilts allowing for service access to A/C unit.

RobinConstructionLLC.com

WM Mortgage is a full service mortgage company with the

ability to serve every need. Whether you are a first time

homebuyer, have credit that does not meet other lender’s guidelines, want to buy a USDA home or are interested in a foreclosed property, we can help.

Please call Eileen Rattiner Carter or any of our professionals at

(205) 383-1966 Apply online at www.WMmortgageLLC.com

January â–

www.Life and Homes .com

17

L i f e and H o m e s

home Service network Exclusive Members That Have Shown Exceptional Customer Service

Advertise

Questions? CHAT with a Local Business Expert!

LIFEANDHOMES™ 205-682-6901 To advertise your business in this space and be a part of Birmingham’s ever growing Home Service Network, give us a call and join the LifeandHomes™ community!

Builders repairs. All types of Home Improvement. Call Larry Battle today!

BRBC CONSTRUCTION 205-313-9280 Commercial • Residential • New Construction • Member Since 01/11

Tenant Improvements

Flooring / Carpeting HANK’S CARPET 1-800-356-1253 Wholesale Pricing! www.hankscarpet.com Member Since 01/11

KIRBY VACUUM 205-988-0887 Call about our Daily Specials!

Member Since 01/11

Insurance STATE FARM 205-988-4525

John Tamburello, Agent Family is why we do it all!

Birmingham, AL

Member Since 01/11

MOTIVATED MOVERS 205-995-7585 For all your moving needs! Free estimates:

Member Since 01/11

Member Since 01/11

Crabtree & Evelyn, Lampe Berger Lamps & Oils.

Bridal Registry Available!

L. GAFFORD INTERIORS 205-682-6988 Offering complete interior design & interior decoration services, specializing in residential projects.

FAITH CONSIGNMENT 205-621-2008 Furniture, Home décor and more. Everyone can Member Since 01/11

afford to shop at Faith Second Hand!

Personal Care HAIR AND NAILS GROUP 205-337-1947 Chase Lake Station. Call about our discounts!

Member Since 01/11

BANK OF AMERICA HOME LOANS 205-577-6164 An exceptional neighborhood deserves exceptional service!

Phil Sandoval - VP Home Loans Manager

FIRST FEDERAL MORTGAGE 205-969-3334 Put our money where your house is!

205-661-5940

Pest Control

Storage COOL BOX 205-685-0244

Member Since 01/11

-Debra Cunningham

REVERSE MORTGAGE 205-908-2993 Buy your next home or convert equity in your Member Since 01/11

CoolBox Self Storage is committed to providing you the safest and most secure self storage atmosphere in the Birmingham metropolitan area. www.coolboxstorage.com

METRO STORAGE 205-982-4208 FREE Moving boxes*, FREE Move-in Truck*, FREE 205-663-1027 First month’s rent*! We’ll beat any deal!

205-668-9950 * Call for details

FIRST LIBERTY FINANCIAL 205-332-5626 Your satisfaction is our #1 priority.

Member Since 01/11

Discover the “better” you! Ginger Kemp

SULLIVAN TERMITE & PEST CONTROL 1-800-341-5543 “We will beat anyone’s price!”

Mortgage Companies Member Since 01/11

home or office.

Member Since 01/11

home to cash! Call Scott Underwood.

affordable advertising starting at $15

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L i f e and H o m e s

Movers

ENGLISH IVY HOME DÉCOR & GIFTS 205-621-1181 Accent Furniture, Mirrors, Lamps, Accessories,

Member Since 01/11

BATTLE HOMES 205-477-0989 30 yrs. Experience in Construction and home Member Since 01/11

Interior Decorators

lifeandhomes Media ™

Print • Online • Radio • video Channel

Call Donna Brandenburg

205-682-6901 • www.LifeandHomes.com 18

We b r i n g p e o p l e a n d h o m e s t o g e t h e r .

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KIRBY

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With a Preview/Presentation of the Sentria series by authorized Kirby distributor:

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(205) 988-0887

METRO We’ll beat any deal!

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982.4208

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663.1027

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January

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FREE Moving Boxes,* FREE Move-in Truck,* FREE First Month’s Rent*

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L i f e and H o m e s

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