Daddy Daughter Dance – Frisco Texas February 6th – Time is Running Out

Nothing like waiting until the last minute… but if you did, then I would highly recommend you purchase your tickets today.

The Daddy Daughter Dance in Frisco Texas is THIS WEEKEND (tomorrow actually). I officially picked up my tickets at the Frisco Recreation Center this afternoon, which I purchased previously. While I was there picking up tickets, I noticed that 2 of the time slots for the dance are sold out.

I’ve updated the information below to reflect what is available as of 11:00 am today.

**** If you live in Frisco Texas and plan on attending, please read the following information ****

  • Date of Event – February 6th, 2010
  • Time of Event – Depends on age group, see below
  • Location – Frisco Conference Center (next to Dr. Pepper Arena)
  • Cost – $12.00 per person with no refunds Dance Schedule:
    • 2:00 – 3:30 = ages 4 & 5
    • 4:00 – 5:30 = ages 6 & 7 **** SOLD OUT ****
    • 6:00 – 7:30 = ages 8 & 9 **** SOLD OUT ****
    • 8:00 – 9:30 = ages 10 – 12

*** Tickets are NOT sold at this event. ***

You must purchase them online @ www.FriscoFun.org

Burglary Prevention Tips – Things Burglars will not tell you

Don’t wait for this to hapen to you. Be careful now so you are not a victim. Below is a ist of 20 things that a burglar will not say to you…

  1. Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator.
  2. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier.
  3. Love those flowers. That tells me you have taste … And taste means there are nice things inside. Those yard toys your kids leave out always make me wonder what type of gaming system they have.
  4. Yes, I really do look for newspapers piled up on the driveway. And I might leave a pizza flyer in your front door to see how long it takes you to remove it.
  5. If it snows while you’re out of town, get a neighbor to create car and foot tracks into the house. Virgin drifts in the driveway are a dead giveaway.
  6. If decorative glass is part of your front entrance, don’t let your alarm company install the control pad where I can see if it’s set. That makes it too easy.
  7. A good security company alarms the window over the sink. And the windows on the second floor, which often access the master bedroom-and your jewelry. It’s not a bad idea to put motion detectors up there too.
  8. It’s raining, you’re fumbling with your umbrella, and you forget to lock your door-understandable. But understand this: I don’t take a day off because of bad weather.
  9. I always knock first. If you answer, I’ll ask for directions somewhere or offer to clean your gutters. (Don’t take me up on it.) If you don’t answer, I try the door. Occasionally, I hit the jackpot and walk right in.
  10. Do you really think I won’t look in your sock drawer? I always check dresser drawers, the bedside table, and the medicine cabinet.
  11. Here’s a helpful hint: I almost never go into kids’ rooms.
  12. You’re right: I won’t have enough time to break into that safe where you keep your valuables. But if it’s not bolted down, I’ll take it with me.
  13. A loud TV or radio can be a better deterrent than the best alarm system. If you’re reluctant to leave your TV on while you’re out of town, you can buy a $35 device that works on a timer and simulates the flickering glow of a real television. (Find it at faketv.com.)
  14. Sometimes, I carry a clipboard. Sometimes, I dress like a lawn guy and carry a rake. I do my best to never, ever look like a crook.
  15. The two things I hate most: loud dogs and nosy neighbors.
  16. I’ll break a window to get in, even if it makes a little noise. If your neighbor hears one loud sound, he’ll stop what he’s doing and wait to hear it again. If he doesn’t hear it again, he’ll just go back to what he was doing. It’s human nature.
  17. I’m not complaining, but why would you pay all that money for a fancy alarm system and leave your house without setting it?
  18. I love looking in your windows. I’m looking for signs that you’re home, and for flat screen TVs or gaming systems I’d like. I’ll drive or walk through your neighborhood at night, before you close the blinds, just to pick my targets.
  19. Avoid announcing your vacation on your Facebook/MySpace/Blog pages. It’s easier than you think to look up your address.
  20. To you, leaving that window open just a crack during the day is a way to let in a little fresh air. To me, it’s an invitation.

Take safety steps now, not aftwards.

New Badge on Blip.FM

Do you BLIP? If you are not fmiliar with Blip.fm, it is a website that you can play music on your laptop or desktop. I’ve found most tracks to be available but maybe I have not searched hard enough.

I’ve been a member of Blip.fm (Free) since October 2008. I think I was actually introduced to it by Jason Crouch… but I may be wrong. Anyway, the site itself is easy to use and allows me to listen to music all day long. Similar to Twitter, you have the option to follow your ‘favorite DJs’ and listen to what they play, or you can play your own music and people will listen to your playlist. You can even send little messages with your ‘blips’.

Recently, they implemented new badges. The most recent badge I received was the “Pioneer Badge”. This particular badge means that I blipped a song that has never been blipped before. There are plenty of badges to receive.

Level 1 Pioneer badge

Honestly, I don’t play music for these badges. I play a wide variety of DJs. Its much better than listening to the same 6 sogs that are played on the radio station. So do you blip?

Check me out here – http://blip.fm/JohnCannata

Daddy Daughter Dance – Frisco Texas February 6, 2010

It’s that time of year again. The 2010 Daddy Daughter Dance in Frisco Texas.

*** For details about the event, please scroll down ***

Strap on your dance shoes, put on a nice suit, and get ready to boogie oogie oogie. Well, don’t ‘boogie’ or you may embarrass your daughter, but you get the point.  This year’s theme is “Alice in Wonderland”. 

If your daughter is between the age of 4 and 12, this is a MUST ATTEND dance. My daughter and I have been attending this dance since moving to Frisco. Our first official dance was February 2005. We have really created some great memories, some of which you can read and/or see here… Daddy Daughter Dance in Frisco Texas

This year will be very memorable because my daughter is now 12. Its her last year within this age group to attend. I wasn’t sure until recently if she would even want to attend for sure. She is getting to the age that Dad is not as cool as he once was. I’m lucky though, because I AM just as cool. 🙂  Okay, maybe I just like to think so. In either case, Sidney is excited to go and so am I.

Because there are different age groups, the dances start as early as 2:00 pm and the last dance group starts at 8:00 pm. Here are a few pictures from previous years. They grow up so fast…

    

**** If you live in Frisco Texas and plan on attending, please read the following information ****

  • Date of Event – February 6th, 2010
  • Time of Event – Depends on age group, see below
  • Location – Frisco Conference Center (next to Dr. Pepper Arena)
  • Cost – $12.00 per person with no refunds

Dance Schedule:

  • 2:00 – 3:30 = ages 4 & 5
  • 4:00 – 5:30 = ages 6 & 7
  • 6:00 – 7:30 = ages 8 & 9
  • 8:00 – 9:30 = ages 10 – 12

*** Tickets are NOT sold at this event. You must purchase them online @ www.FriscoFun.org ***

See you there!!

Scrabble for iPhone – Free Application “Words with Friends”

Periodically, I check out the Applications available for the iPhone. I’ve downloaded several, including Tweetie… which is my personal favorite Twitter Application for iPhone.. and thats because I have tried a few others.

Recently I came across an application called “Words with Friends”. Its basically SCRABBLE that you can play with your friends or random players online.

Don’t worry, you keep your name and number a secret if you would like. After downloading it, you’ll be asked to create a user name (which you can switch every day if you want to). Then choose who you want to play.. someone from your Contacts, someone from Twitter / Facebook, or some Random player online.

While playing, you can choose a word and then sign-out. Your phone will tell you when its your turn. You’re welcome to talk with the other player through a game board. Again, no phone number or real name is displayed.

If you are a real Scrabble addict, you’ll be happy to know that you can play several games at a time. I’ll warn you though, its VERY addicting. I was not a scrabble player before, but I’ve been playing quite a bit over the past 4 days since I’ve downloaded it.

Is your office prepared for your clients visit?

Are you prepared for a client to visit you all of a sudden? I’m not just talking about someone that just shows up at your office, but that is certainly one situation. I’m talking about a client that wanted to stop by for a few minutes to discuss a home they noticed or the loan documents you asked for. How prepared are you and your office to have such a visit?

Maybe you keep a neat office, so this isn’t an issue for you. But let’s take it a step further. How about if your client(s) brought the rest of the family? If you want to be sure that your client(s) is not distracted, its best to have something in your office for children. Having a ‘play box’ in your office is a start. Fill the box with things like these:

  • Crayons
  • Coloring Books
  • Toy Cars
  • Dolls (‘action figures’ for the boys)
  • Puzzles
  • Crosswords
  • etc.

Do they have older kids? It doesn’t hurt to have a Nintendo DS (or similar hand held game system) and a few games. A good used Nintendo DS can be picked up at a GameStop, or local game store. They are pretty inexpensive and come with a charger. Plus while you are there, you can pick up a few games. It does not have to be expensive and you may have this stuff lying around your house already.

It will help keep the kids occupied while you and your client(s) talk about business. Plus your client(s) will appreciate the extra thought.

Should your life stop just because you’re buying a home? In short… Yes!

Should your life stop just because you’re buying a home? Truthfully, you never know what affect actions you take today will have on the mortgage you apply for. Even if you don’t plan on refinancing or purchasing for another three to six months from now.

Something as simple as transferring money from your savings to your checking account can create hassles in the mortgage process. I know it may seem a bit much, but lenders are paying closer attention to mortgage transactions today. Sure, the transfer of money seems simple enough.. and maybe it is. But when lenders see a large sum of money transferred into an account, they want a paper trail to know where the money came from and be sure that all accounts balance.

There are at least six things that should be avoided when purchasing a home or refinancing your existing mortgage. Even if you are already ‘pre-approved’, you should wait until the loan has closed.

Buying, Leasing, or Refinancing a Car – Many people are inclined to ‘improve their social standing’ by purchasing a car and buying a home at the same time (yes, this includes leasing a vehicle). There’s nothing wrong with the concept itself, but buying the car before buying a home can affect what the lender determines you can afford for a home. Since a car is such a big ticket item, it can greatly raise your debt-to-income ratio, which lenders use to determine the amount of home you can afford. Ultimately, it will affect how much home you can purchase. Refinancing your automobile can affect your credit scores. Even though you are probably lowering your payments, the refinanced loan is considered new debt when calculating your credit score.


Becoming Self-Employed or changing jobs –
Either of these could have a negative impact on your loan application and overall approval. In most cases, lenders want to see at least 2 years of self-employment. Keep in mind that this means 2 years worth of tax returns, which really means you probably have to be self-employed for more than 2 years in order to provide a full 2 years worth of returns. ** also, income is determined based on the ‘Adjusted Gross Income’ (after your deductions) ** Wait until after buying a home to become self-employed.

Changing jobs to a ‘sales’ environment is also risky while you are considering a home purchase. Even though the position you accept is not considered ‘self-employment’ is it still sales based. If you were receiving a salary prior to your new ‘sales’ job then you will need to show 2 years worth of sales income. Being in a sales position has similar considerations as being self-employed.

Moving Money Between Accounts – I mentioned this in an example above. When a lenders underwrites your loan to determine your eligibility, they will request complete statements (yes, even the blank pages) from your accounts that contain liquid assets. When you move money around between these accounts, especially if they are large amounts, you will have withdrawals in some and deposits in others. The lender will want to see documentation for these transactions. Most people do not keep all of this paperwork, so it’s much easier to leave the money in the accounts until after you have purchased or refinanced your home.

Change Banks – This pretty much ranks up there with ‘moving money’. It just creates additional paperwork for you and the lender. The more paperwork, the more likely issues could arise for your home purchase. Not only could there be questions/concerns from the lender, but it could cause unnecessary delays in closing your loan. Stay with your current bank until the mortgage process is complete.


Make a Large Purchase –
A large purchase is not just about a car or boat. Now that you are moving into a bigger place, you will probably want to fill it with furniture… and that ‘One Year Same As Cash’ deal sounds really tempting. Resist the urge to purchase that new sofa set until after you have obtained the mortgage. Again, this is for two reasons. First, it could affect your credit scores and debt-to-income ratios. Secondly, remember that you are not done buying a home until the loan closes. There are no guarantees until that happens. Unfortunately, there are a number of things that could happen which results in a declined loan application. Contact your local mortgage professional to help you avoid any costly mistakes.

Apply For a Credit Card – Although this is the last item I mentioned, this is equally as important. The new credit card won’t hurt your credit score too badly if you already have good credit, but it will cause the to question your financial stability for buying a home. For the time being, don’t apply for no interest credit cards or department stores. After you are settled into your new home, there will be plenty of time for shopping.

In summary, when you are buying a home or refinancing your current mortgage, it is best to stay away from anything that will look as though you don’t have your finances under control. The items above are just a few examples that could cause such a determination.

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If you live in the state of Texas and are looking for a reliable Mortgage Professional to assist you with the loan product that best fits your financial situation, give me a call. We do not charge upfront fees to run scenarios or charge unnecessary application fees.

Do you want to know all of your options? Call me today and let’s discuss them further.

Always available for your Frisco Texas Mortgage needs!

John Cannata  Legacy Texas Mortgage p# 214.728.0449

www.JohnCannata.com

Frisco Texas Mortgage Consultant