<?xml version="1.0"?><rss version="2.0"><channel><title>Brentwood Missouri Real Estate News &amp; Listings Presented By RE/MAX Results</title><link>http://www.sandiehearealestate.com</link><description></description><lastBuildDate>Sun, 14 Mar 2010 11:03:01 GMT</lastBuildDate><item><title>Impeccably maintained 4 bedroom, 2 bath home!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/5641-Goethe-Avenue-Southampton-St-Louis-Missouri/i/210832/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>SURPRISE! Is what you will truly think after you've been thru this home. Impeccably maintained with stunning updates featuring an award-winning kitchen by St Louis Magazine and a fabulous 2nd floor expansion unlike anyone else.&nbsp;Besides the living &amp; dining rooms, you will find a sun-drenched year-round family room for the children to be just off the kitchen! Additionally, 2 generous bedrooms on main floor share a lovely full bathroom. 2 bedrooms upstairs with inverted vault ceilings are divided by a large flex room &amp; features a deluxe bath with double sinks, tub and separate shower. A hands-down winner is the 2nd floor laundry room. The basement offers plenty of storage and another family room with a gas fireplace. I'm sure it will be LOVE at FIRST SIGHT! &nbsp;This is a very walkable neighborhood, convenient to churches, schools, shopping, cafes &amp; restaurants, plus Francis and Willmore Parks! Don't miss it.</p>]]></description><link>http://www.sandiehearealestate.com/property/5641-Goethe-Avenue-Southampton-St-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/5641-Goethe-Avenue-Southampton-St-Louis-Missouri</guid><pubDate>Thu, 18 Feb 2010 20:14:35 GMT</pubDate></item><item><title>This is a darling 2 bedroom, 1.5 bath home!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/9532-Sontag-Lane-Affton-Missouri/i/210535/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>OPEN HOUSE Sunday, 1:00 p.m. to 4:00 p.m., hosted by sellers. I am pleased to present this well-maintained 2 bdrm 1.5 bath brick ranch in a great neighborhood! Freshly painted in today's colors and nice hardwood floors exposed in bedrooms (same under LR carpeting). Living room and dining room have a good flow for entertaining plus you can spill out onto the screened-in porch for dessert &amp; coffee after dinner. The oak kitchen has loads of cabinets and counterspace, gas cooktop, plus newer wall oven &amp; microwave all on a new vinyl floor. Nice &amp; clean hall bathroom has a walk-in tub. Master bdroom has private 1/2 bath. Furnace and air replaced 2007. Windows and front door replaced 06. Gutter guards professionally installed so you never have to clean your gutters again! Extra wide driveway for your second car. Basement is accessed through the garage. This is a super nice house convenient to Hwy 55 just 15 minutes to downtown or 7-mile Grant's Trail for walking &amp; riding.</p>]]></description><link>http://www.sandiehearealestate.com/property/9532-Sontag-Lane-Affton-Missouri</link><guid>http://www.sandiehearealestate.com/property/9532-Sontag-Lane-Affton-Missouri</guid><pubDate>Wed, 17 Feb 2010 17:04:23 GMT</pubDate></item><item><title>Spacious and Bright 2 Bed, 1 Bath solid brick home!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/5414-Goethe-Avenue-Southampton-St-Louis-Missouri/i/210534/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><hr id="picST" style="visibility: hidden;" />
<p>Spacious and bright 2 bedrm 1 bath solid brick home with enormous expansion potential on 2nd flr! Lovely refinished hardwood floors and fresh contemporary paint colors provide that move-right-in feeling! The living room &amp; dining room offer plenty of space for entertaining a crowd! The kitchen is truly impressive with abundant maple cabinets topped by crown molding, under-cabinet lighting, lazy susan, newer dishwasher, dual ovens, microwave &amp; plenty of space for your Espresso Machine! Both bedrooms are generous in size for your large furniture. The back sunroom with wood floors makes a good reading room or office. Lower level has a room dedicated to media viewing with a projector &amp; speaker system included! Large 2 car garage with remote door opener will allow you to stop scraping ice. High-efficiency forced-air furnace and central air 06, roof installed 06. Popular SoHa offers numerous cafes, shopping, library, churches, speciality shops all within a few minutes walking or driving.</p>]]></description><link>http://www.sandiehearealestate.com/property/5414-Goethe-Avenue-Southampton-St-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/5414-Goethe-Avenue-Southampton-St-Louis-Missouri</guid><pubDate>Wed, 17 Feb 2010 16:27:51 GMT</pubDate></item><item><title>Simply stunning 4 bdrm 2 bath 1.5 story!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/5640-Milentz-Avenue-Southampton-Saint-Louis-Missouri/i/210324/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>Start with superb curb appeal, add in leaded-glass windows, lovely hardwood floors &amp; loads of original stained millwork &amp; you'll see why it's easy to love this home. The eat-in kitchen has raised panel oak cabinets galore and new stainless steel DW and range! Darling bath w/stained glass window, vitrolite tile.&nbsp;Marble top&nbsp;sink &amp; linen closet. 2 generous bdrms on main floor and 2 extra generous bedrms up with bountiful closet space &amp; addtl storage space, all with hardwood flrs. Plenty of space to install another full bathroom! Entertain with sophisticated style in the finished LL rec rm with built in seating, mewly hand-crafted U-shaped oak bar with blt-in tapper &amp; slate floor adjacent to plenty of carpeted TV-watching space and new full bath. 2 car BRICK garage! Walk to numerous restaurants, library, shopping, churches, &amp; speciality shops. The entire package is here!</p>]]></description><link>http://www.sandiehearealestate.com/property/5640-Milentz-Avenue-Southampton-Saint-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/5640-Milentz-Avenue-Southampton-Saint-Louis-Missouri</guid><pubDate>Tue, 16 Feb 2010 17:27:41 GMT</pubDate></item><item><title>Extremely tidy 3 bdrm brick ranch with attached garage!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/8313-Horst-Drive-Affton-Missouri/i/208808/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>Nicely updated throughout w/newer carpet (over hardwood) in the master bdrm &amp; living rm. Exposed hardwood in the 2nd bedroom and 3rd bdrm (currently being used as dining room). Kitchen was updated a few years ago with newer countertop, dishwasher and ceramic tile floor. Newer thermal windows in bdrms and kitchen will keep your energy bills down. The backyard is a delight to enjoy during the year with a great Roman-stone paver patio for entertaining, two lg shade trees &amp; lots of perennials! Newer alum soffits/fascias and guttering and new roof July 09. Very nice neighborhood of tidy brick homes, close to grocery shopping, Panera, Walgreens and Tower Tee golf. 7-mile Grants's Trail for biking, skating/walking is just 5 minutes away. Schools just a few minutes away and only 20 minutes to downtown for Cardinals baseball!</p>]]></description><link>http://www.sandiehearealestate.com/property/8313-Horst-Drive-Affton-Missouri</link><guid>http://www.sandiehearealestate.com/property/8313-Horst-Drive-Affton-Missouri</guid><pubDate>Mon, 08 Feb 2010 15:54:44 GMT</pubDate></item><item><title>The minute you walk in the front door, you'll fall in love!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/1861-Shayne-Drive-Bonne-Terre-Missouri/i/205940/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>This exquisite custom home on over one acre of gently rolling land was designed by the David Schaub Group of Kirkwood, Missouri and features magnificent views of the 93 acre Lake Shayne from every room! &nbsp;From the minute you walk into the front door and see straight through the great room to the lake, you&rsquo;ll fall in love! &nbsp;The fabulous gourmet kitchen features views of nature or the water and is equipped with stainless Viking appliances as well as abundant granite counterspace.&nbsp; Dining area can seat 20 people and the gazebo breakfast room with adjacent deck makes for a great place to wake up with coffee.&nbsp; First floor master suite features an entrance to a private deck overlooking the lake.&nbsp; Upstairs has 2 very generous bedrooms each with it&rsquo;s own private bathroom.&nbsp; The lower level is partially finished into a game room, workout area, 2 more bedrooms and 2 more full bathrooms. &nbsp;This home was engineered in such a way as to give the owner the lowest possible energy costs by utilizing Andersen gas-filled windows, special insulated doors, 6&rdquo; walls to increase the amount of insulation, and 3 zones of heating and cooling.&nbsp; Your family will enjoy entertaining on the 200 foot long concrete dock with 3 boat slips as you ponder whether to cruise the lake in a pontoon or pull the kids with a ski boat.</p>]]></description><link>http://www.sandiehearealestate.com/property/1861-Shayne-Drive-Bonne-Terre-Missouri</link><guid>http://www.sandiehearealestate.com/property/1861-Shayne-Drive-Bonne-Terre-Missouri</guid><pubDate>Sun, 24 Jan 2010 20:22:24 GMT</pubDate></item><item><title>$35 Million MHDC Economic Development Initiative</title><description><![CDATA[<p>The <a title="Missouri Housing Development Commission" href="http://www.mhdc.com/about/index.htm">Missouri Housing Development Commission</a>&nbsp;just passed a $35 Million economic development initiative to provide tax relief to middle and low income Missouri homebuyers who purchase a home in 2010.&nbsp;</p>
<p>&nbsp;1. $15 million to pay the first year of property taxes for qualified homebuyers who purchase a new or existing home after January 1, 2010. This has the opportunity to help between 9,000 and 11,000 Missouri families making less than $100,000 a year.</p>
<p>&nbsp;2.&nbsp; $5 million in assistance to qualified homebuyers to help with down payments and closing costs. This helps potential homebuyers overcome the obstacle of coming up with enough cash for a down payment and closing costs. <a title="http://www.usnews.com/money/blogs/the-home-front/2009/03/30/the-first-time-home-buyer-tax-credit-and-your-down-payment" href="http://www.usnews.com/money/blogs/the-home-front/2009/03/30/the-first-time-home-buyer-tax-credit-and-your-down-payment">MHDC has been a national leader on this front</a>.</p>
<p>&nbsp;3. Additional assistance to homebuyers who purchase an energy-efficient home or purchase energy-saving appliances. This is an opportunity to raise energy-efficiency standards in Missouri, making a positive impact on both the economy and the environment. It's a win-win.</p>
<p><span style="font-family: tahoma,arial,helvetica,sans-serif;"><span style="font-size: 10pt; color: black;">This economic development package provides property tax relief to thousands of Missourians at a crucial time in our economy without spending Missouri tax dollars. This will be paid for entirely out of MHDC's reserve fund and federal recovery funds already in our possession. This comes in addition to more than $100 million in recovery funds and more than $19 million in reserves already allocated to boost Missouri's economy and put Missourians back to work. </span></span></p>
<p><span style="font-family: tahoma,arial,helvetica,sans-serif;"><span style="font-size: 10pt; color: black;">If you have been thinking of buying a home and waiting for "the bottom", now is the time to make that move.&nbsp; Call me for a list of qualified Mortgage Lenders and let's find you a home.&nbsp; </span></span></p>]]></description><link>http://www.sandiehearealestate.com/Blog/35-Million-MHDC-Economic-Development-Initiative</link><guid>http://www.sandiehearealestate.com/Blog/35-Million-MHDC-Economic-Development-Initiative</guid><pubDate>Mon, 04 Jan 2010 16:26:00 GMT</pubDate></item><item><title>Over 2900 sq ft total with each unit measuring close to 1500</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/3954-Wilmington-Ave-Holly-Hills-St-Louis-Missouri/i/200572/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>Live on the 1st flr, pay your mortgage with rent from 2nd flr AND get an $8,000 tax credit! Beautifully maintained &amp; updated 2-family in sought-after Holly Hills neighborhood with the new Carondelet Park Rec Plex, Starbucks, Bread Co, Lowes &amp; Schnucks a brisk walk away! Refinished hardwood floors throughout both units &amp; some natural woodwork as well. Over 2900 sq ft total with each unit measuring close to 1500 sq ft! Freshly painted, new shades and light fixtures on first floor. Very large living &amp; dining rooms make for easy entertaining with lovely stained glass windows flanking the fireplaces. Both floors have large updated kitchens with range &amp; refrigerator (2nd flr has DW &amp; micro), lots of cabinet space plus pantries! Generous hallway has additional coat closet, broom closet &amp; glass front storage. Excellent closet space in the two bedrooms. Rear bedrooms &amp; kitchen have entrances to the large double deck. Boilers &amp; C/A both flrs. Large fenced yard &amp; 2 car vinyl-sided gar w/opener.</p>]]></description><link>http://www.sandiehearealestate.com/property/3954-Wilmington-Ave-Holly-Hills-St-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/3954-Wilmington-Ave-Holly-Hills-St-Louis-Missouri</guid><pubDate>Wed, 16 Dec 2009 00:12:58 GMT</pubDate></item><item><title>Lots of stained glass, refinished hardwd flrs that show well</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/6430-Winona-Avenue-St-Louis-Hills-St-Louis-Missouri/i/196404/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>
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&nbsp;You rarely see intricate plaster moldings like this! Rope molding around the arched openings &amp; exquisite plaster crown moldings in LR &amp; DR! The dining rm has an adorable 52x76 arched alcove for the china cabinet! Updated kitchen features light oak cabinets, new SS dbl oven range &amp; new SS dishwasher! Rear sunrm has been converted to a stunning butler's pantry w/storage for your overflow! Master bdrm w/custom closet &amp; lovely full bath on main floor &amp; 3 bdrms &amp; updated 1/2 bath upstairs. Recently renovated LL features new 18 inch tile floor w/alcove for your big screen TV &amp; plenty of new custom storage cabinetry/countertops &amp; new full bath! New paver patio! Best of both worlds includes hot water heat to combat a dry winter but central air on both floors! This block is known for wonderful neighbors &amp; block parties, especially Halloween. Walk to Francis Park,library,shopping,churches!</p>]]></description><link>http://www.sandiehearealestate.com/property/6430-Winona-Avenue-St-Louis-Hills-St-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/6430-Winona-Avenue-St-Louis-Hills-St-Louis-Missouri</guid><pubDate>Thu, 19 Nov 2009 00:38:34 GMT</pubDate></item><item><title>Immaculate and well-maintained all brick ranch!</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/9842-Lindhall-Lane-Affton-Missouri/i/196402/0/t?pid=" title="Front View" alt="" style="float:left; padding:3px;" /><p>Lovely&nbsp;well maintained home in a super neighborhood of tidy brick ranches.&nbsp; Newly refinished hardwood floors in the living room and dining room.&nbsp; &nbsp;Separate dining rm can host a nice-sized dinner party and plenty of space to mill around in the updated kitchen w/new elec range! You can keep an eye on the kids or the birds from the window over the sink. Of the 3 bdrms, one is a pass-thru so it's more suitable as an office but does have a closet. The master suite is large enough for a King bed w/wall of closets &amp; private 1/2 bath. The renovated full bath in hall features ceramic-tiled walk-in-shower &amp; new vanity. The LL makes for&nbsp;a wonderful recreation room with&nbsp;full bath. The custom stone &amp; wood bar w/glass curio cabinetry is the focal point! Outside features a concrete patio w/firepit-BBQ plus screened-in porch w/skylights for pleasant evenings next summer! Windows, doors, furnace all replaced!</p>]]></description><link>http://www.sandiehearealestate.com/property/9842-Lindhall-Lane-Affton-Missouri</link><guid>http://www.sandiehearealestate.com/property/9842-Lindhall-Lane-Affton-Missouri</guid><pubDate>Thu, 19 Nov 2009 00:26:19 GMT</pubDate></item><item><title>Features secured resident-only parking with secured entrance</title><description><![CDATA[<img src="http://www.sandiehearealestate.com/property/3608-Gravois-Avenue-7-West-St-Louis-Missouri/i/195220/0/t?pid=" title="Living Room" alt="" style="float:left; padding:3px;" /><p>
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St. Louis' best lifestyle within easy reach! Carondelet's new Rec Plex at Grand &amp; 55, South Grand's row of ethnic eateries, Benton Park/Soulard's nightlife..it's all within minutes from this newly renovated high rise! The first floor of this former South Side National Bank has been transformed into commercial space with residences above. Secured resident-only parking, secured resident entry, elevator, high-speed internet, storage units, rooftop deck &amp; breathtaking views! Fabulous windows with great city views! Custom cabinetry, stainless appliances, engineered hardwood flooring, stone bath floors, washer/dryer included. Seller allows a $6,000 credit to be used to buy down your rate, pay your closing costs and/or furnish window treatments. SPECIAL FINANCING by Southwest Bank! 95% LTV @ Market Rates &amp; NO private mortgage insurance!</p>]]></description><link>http://www.sandiehearealestate.com/property/3608-Gravois-Avenue-7-West-St-Louis-Missouri</link><guid>http://www.sandiehearealestate.com/property/3608-Gravois-Avenue-7-West-St-Louis-Missouri</guid><pubDate>Thu, 12 Nov 2009 17:11:39 GMT</pubDate></item><item><title>Upcoming Events in Webster Groves and St. Louis Hills</title><description><![CDATA[<p>The Webster-Kirkwood Times presents the <span style="color: #ff0000;"><span style="font-size: 12pt;"><strong>9th Annual Jazz and Blues Festival</strong> </span></span>in historic <span style="background-color: #ffff99;">old Webster Groves</span> <strong>Saturday September 19</strong> from noon until 11 p.m.&nbsp; It's FREE!!&nbsp; This year they feature the music from the jazz scene of Las Vegas from the 1960's.&nbsp; 11 different bands will be featured throughout the day.&nbsp; Fabulous food vendors all day and night along with a variety of spirits.&nbsp; The happening streets are Gore, Allen and Lockwood.&nbsp; Last year Paul and I rode our bikes into downtown Webster to save the hassle of parking and traffic.&nbsp; Peruse&nbsp;the schedule&nbsp;at <a href="http://www.oldwebsterjazzfestival.com/">http://www.oldwebsterjazzfestival.com/</a>.&nbsp;</p>
<p>&nbsp;</p>
<p>And save the date for <span style="color: #ff0000;"><span style="font-size: 12pt;"><strong>Art in the Park</strong> </span></span>in <span style="background-color: #ffff99;">St. Louis Hills </span>neighborhood of Southwest St. Louis City.&nbsp;&nbsp;More than 65 local artisans &amp; food vendors plus live music around the&nbsp;lily ponds of Francis Park will have you dancing in the streets! Sunday,&nbsp;<strong>September 27, 2009</strong> from&nbsp;10 until&nbsp;6 p.m.&nbsp;&nbsp;<span style="font-size: 10pt;"><span style="font-family: verdana,geneva;">St. Louis Hills is bordered by NOTTINGHAM, DONOVAN, TAMM AND EICHELBERGER.&nbsp;</span></span></p>]]></description><link>http://www.sandiehearealestate.com/Blog/Upcoming-Events-in-Webster-Groves-and-St-Louis-Hills</link><guid>http://www.sandiehearealestate.com/Blog/Upcoming-Events-in-Webster-Groves-and-St-Louis-Hills</guid><pubDate>Mon, 31 Aug 2009 02:00:00 GMT</pubDate></item><item><title>Family Fun in Steelville, Missouri</title><description><![CDATA[<p>Paul and I just returned from a FUN-FILLED 3 day weekend at Eagle Hurst Ranch (<a href="http://www.EagleHurstRanch.com">www.EagleHurstRanch.com</a>).&nbsp; This piece of history in Steelville, Missouri is owned by our friends, Steve &amp; Angie Butz and Norbert &amp; Elaine Butz (who are also our long time insurance agents at Crawford-Butz Insurance Agency <a href="http://www.CrawfordButz.com">www.CrawfordButz.com</a>). The Butz Family took their vacations there every year with their 11 children for 30 years and bought it from the owners in 2003.&nbsp;</p>
<p>&nbsp;It's completely family-oriented so that mom and dad can relax and not worry while the kids are busy on the 78 acre compound playing softball, badmitton, ping pong, tether ball (my favorite) washers, shuffleboard, or horseback riding with the owners.&nbsp; Hot days will find you at water's edge in the crystal clear waters of the Huzzah Creek lazily floating on an innertube where the owners will pick you up downstream a few hours later;&nbsp; if you prefer, there is also a&nbsp;large swimming pool for the puritans.&nbsp; &nbsp;</p>
<p>Your cabin is simply for sleeping with minimal amenities (but includes air conditioning!) and a screened in porch if you'd really rather commune with nature &amp; read.&nbsp;&nbsp; Nothing glamourous, but that's the best part!&nbsp; Breakfast, lunch and dinner are prepared by the resident chefs and served by the friendliest group of young adults in a large air conditioned dining hall.&nbsp; They won't&nbsp;allow you to leave the table feeling hungry!&nbsp; No cooking, no clean up and no choices to make!</p>
<p>Each day and night there were activities like badmitton tournaments, Bingo, ping pong tournaments &amp; softball tournaments.&nbsp;&nbsp;We enjoyed an&nbsp;excellent fireworks display, 4th of July barbecue with outdoor buffet adorned in red, white &amp; blue! Steve Butz is also an excellent singer, dancer and musician so we had some square dancing&nbsp;&amp; Electric Slide one night&nbsp;with the 140 strangers who stayed over 4th of July weekend&nbsp;as we celebrated our 4th wedding anniversary.&nbsp;</p>
<p>Just a quick 1.5 hour drive from St. Louis down 44 west to the Cuba exit.&nbsp; Stop at Missouri Hicks and try their barbecue! Out of this world!&nbsp;</p>
<p>&nbsp;</p>]]></description><link>http://www.sandiehearealestate.com/Blog/Family-Fun-in-Steelville-Missouri</link><guid>http://www.sandiehearealestate.com/Blog/Family-Fun-in-Steelville-Missouri</guid><pubDate>Tue, 14 Jul 2009 23:36:00 GMT</pubDate></item><item><title>Financial Peace University</title><description><![CDATA[<p>My husband Paul and I are in Week 12 of the 13 week Financial Peace University here in St. Louis&nbsp;offered by Dave Ramsey,&nbsp;best selling author of <span style="text-decoration: underline;"><strong>Total Money Makeover</strong></span> and talk show host of The Dave Ramsey Show &nbsp;(<a href="http://www.DaveRamsey.com/FPU">www.DaveRamsey.com/FPU</a>).&nbsp; I have to admit that when Paul broached the idea of going, I wasn't&nbsp;interested.&nbsp; I didn't really think we had&nbsp;a "debt" problem but after much urging, I went to appease my husband.&nbsp; I have been really impressed with the program and have fully embraced what I've learned. I should listen to my husband more often!</p>
<p>It's all about "baby steps" like setting up an emergency fund first, getting a budget in place (a what???), then funding 6 months of living expenses in a liquid account, cutting up credit cards, (ouch) etc.&nbsp; Each week is a different topic and Dave Ramsey is highly entertaining (via video) at the same time being very direct and passionate about turning the tide of Amercians spending above their means. His mantra is you will "live like no one else so later you can LIVE like no one else!"</p>
<p>We now pay with cash divided into special envelopes marked for groceries, dining out, hair care, clothing, etc that we don't go anywhere without.&nbsp; Sure, we used to pay off our credit card every month too, but now that we pay cash, it hurts more to part with it so we spend FAR less than we used to.&nbsp; We have actually spent 1/3 less on groceries than we used to because with credit I never cared how much it cost or how much we might waste.&nbsp; We still eat well but we don't waste&nbsp;food anymore.&nbsp;Some women can't help themselves in a clothing store...I cannot help myself in a grocery store!</p>
<p>There are numerous classes coming up at various churches around St. Louis Metro area.&nbsp; Even if you think you don't "need" this class, I encourage you to check out his website for yourself.&nbsp;</p>]]></description><link>http://www.sandiehearealestate.com/Blog/Financial-Peace-University</link><guid>http://www.sandiehearealestate.com/Blog/Financial-Peace-University</guid><pubDate>Mon, 15 Jun 2009 23:47:00 GMT</pubDate></item><item><title>Buying a Condo that's not FHA approved</title><description><![CDATA[<p>Many older condominium complexes in St. Louis Metro area are not FHA approved meaning the buyer will have to buy it with a conventional loan.&nbsp; Typically the non-FHA-approved condos are not in new complexes but tend to have more amenities like clubhouse, pool and tennis courts. Their landscaping is more desireable because it's mature and the complexes are very well maintained.&nbsp; The loan pricing is a little different as well.&nbsp; For any borrower that does not put down at least 25%, your rate will be slightly higher at 5.125% rather than 4.875% as of today.&nbsp; If you put down at least 25% or more, your rate will be the typical conforming 30-year fixed rate.&nbsp; For more financing options, contact Mark Widdicombe at Heartland Mortgage at 314-512-8915.&nbsp; Tell him Sandie sent you!</p>]]></description><link>http://www.sandiehearealestate.com/Blog/Buying-a-Condo-thats-not-FHA-approved</link><guid>http://www.sandiehearealestate.com/Blog/Buying-a-Condo-thats-not-FHA-approved</guid><pubDate>Fri, 15 May 2009 22:05:00 GMT</pubDate></item><item><title>Townhall of Hope with Dave Ramsey</title><description><![CDATA[<p><a href="http://www.townhallforhope.com"><img src="http://a248.e.akamai.net/f/1611/23422/9h/dramsey.download.akamai.com/23572/image/townhallforhope/general/indiv_promo_ad_250X250.jpg" border="0" alt="" /></a></p>
<h2><span style="font-size: 12pt;">Connect with families across the nation for a truly radical message: HOPE.</span></h2>
<p><span style="font-size: 12pt;">Tired of hearing the fear, doom and gloom that&rsquo;s filling the airwaves? Join Dave Ramsey for a nationwide town hall meeting and discover what&rsquo;s happening with the economy, how we got here, and where we&rsquo;re going. Plus, Dave will answer your questions live throughout the event!&nbsp;</span></p>
<p><span style="font-size: 12pt;">This free event&nbsp;is being held at numerous locations throughout St. Louis.&nbsp; Just find one closest to you by clicking here&nbsp; &nbsp;</span><a href="http://www.sandiehearealestate.com/index.cfm?event=displayAbout"><span style="font-size: 12pt;">Learn more.</span></a><span style="font-size: 12pt;">&nbsp; I'll be at Gateway to Grace Fellowship in 63109 and look forward to seeing you there.&nbsp; &nbsp;</span></p>
<p>&nbsp;</p>
<p><a href="http://www.townhallforhope.com"><strong><span style="font-size: 14pt;">http://www.townhallforhope.com</span></strong></a><strong><span style="font-size: 14pt;">!</span></strong></p>]]></description><link>http://www.sandiehearealestate.com/Blog/Townhall-of-Hope-with-Dave-Ramsey</link><guid>http://www.sandiehearealestate.com/Blog/Townhall-of-Hope-with-Dave-Ramsey</guid><pubDate>Tue, 14 Apr 2009 02:00:00 GMT</pubDate></item><item><title>IMPROVE YOUR CREDIT SCORE</title><description><![CDATA[<ul>
    <li>
    <div align="center"><font face="Arial" color="#ff0000" size="4">IMPROVE YOUR CREDIT SCORE</font></div>
    </li>
    <li><font face="Arial" color="#000000" size="4">Pay your bills on time.&nbsp; Delinquent payments and collections can really hurt your score. <br />
    </font></li>
    <li><font face="Arial" color="#000000" size="4">Keep balances low on credit cards.&nbsp; High debt levels can hurt your score.<br />
    </font></li>
    <li><font face="Arial" color="#000000" size="4">Pay off debt rather than moving it between credit cards.&nbsp; The most effective way to improve your score in this area is to pay down your revolving credit. <br />
    </font></li>
    <li><font face="Arial" color="#000000" size="4">Apply for and open new credit accounts only when you need them. <br />
    </font></li>
    <li><font face="Arial" color="#000000" size="4">Check your credit report regularly for accuracy and contact the creditor and credit reporting agent to correct any errors. <br />
    </font></li>
    <li><font face="Arial" color="#000000"><font size="4">If you have missed payments, get current and stay current.&nbsp; The longer you pay your bills on time, the better your score</font>.&nbsp; </font></li>
</ul>]]></description><link>http://www.sandiehearealestate.com/Blog/IMPROVE-YOUR-CREDIT-SCORE</link><guid>http://www.sandiehearealestate.com/Blog/IMPROVE-YOUR-CREDIT-SCORE</guid><pubDate>Mon, 06 Apr 2009 15:36:00 GMT</pubDate></item><item><title>Unclutter your home now before the Holidays...</title><description><![CDATA[<p>It is very important to make a great first impression to the potential buyers of your home. Every seller wants their home to sell fast and bring top dollar. Does that sound good to you? Well, it&rsquo;s not luck that makes that happen. It&rsquo;s careful planning and knowing how to efficiently unclutter your home that will excite buyers. Here is how to prep a house and turn it into an appealing and marketable home. </p>
<p>Get rid of those items that have been sitting around for years without being used or even handled. This is the hardest thing for most people to do because they are emotionally attached to everything in the house. After years of living in the same home, clutter collects in such a way that may not be evident to the homeowner. However, it does affect the way buyers see the home, even if you do not realize it. Buyers and <a title="" href="http://hea-team.com/" target="_blank">real estate</a> agents should see your house in its best condition from the very first day it&rsquo;s on the market. </p>
<p>Here are a few approaches to take to unclutter your home and get it ready to sell. Almost every home shows better with less furniture. Remove pieces of furniture that block or hamper paths and walkways and put them in storage. Remove extra leaves from your dining room table to make the room appear larger. Leave just enough furniture in each room to showcase the room&rsquo;s purpose and plenty of room to move around. You don&rsquo;t want buyers scratching their heads and saying, &ldquo;What is this room used for?&rdquo; </p>
<p>Another way to unclutter your home and get it ready to sell is to make those minor repairs and best of all, make the house sparkle! Only do one room, or even one small area, at a time so you don&rsquo;t feel overwhelmed. Your best friend is the trash bag; when in doubt, throw it out. Many find it easier to use boxes to sort items, so you don&rsquo;t have to find a home for everything as you unclutter. Most important, be quick and decisive when sorting. Tell yourself:</p>
<ul>
    <li>If you don&rsquo;t need it, why not donate it or throw it away? </li>
    <li>Put essential items used daily in a small box that can be stored in a closet when not in use. </li>
    <li>Think of this process as a head-start on the packing you will eventually need to do anyway. </li>
</ul>
<p>If you are getting your house ready to sell in the St. Louis, Webster Groves, Kirkwood Missouri areas, then take a step back and pretend you are a buyer. Let a friend help point out areas where you can unclutter your home and let myself, Sandie Hea, your agent help you to get your house ready to sell.<br />
</p>]]></description><link>http://www.sandiehearealestate.com/Blog/Unclutter-your-home-now-before-the-Holidays</link><guid>http://www.sandiehearealestate.com/Blog/Unclutter-your-home-now-before-the-Holidays</guid><pubDate>Wed, 26 Nov 2008 00:00:00 GMT</pubDate></item><item><title>ST. LOUIS HILLS ART IN THE PARK THIS SUNDAY</title><description><![CDATA[<p><font color="#000080" size="5">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ST. LOUIS HILLS ART IN THE PARK</font></p>
<p><font color="#000080" size="5">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;FRANCIS PARK<br />
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;SUNDAY, SEPT 28, 2008<br />
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 10 a.m. to 6 p.m.</font></p>
<p><font size="4"><font color="#000080">This will be a great way to spend your Sunday afteroon... wandering from booth to booth perusing great works of art in wood, cloth, metal, beads, pen and ink, paper...the handiwork of some of the top talent in St. Louis, all in affordable price ranges!&nbsp;</font></font></p>
<p><font size="4"><font color="#000080">Lister to live music all day, the smell of <font color="#ff0000">LeGrand's</font> bratwurst wafting from the grill, or <font color="#ff0000">The Pitted Olive's</font> gourmet to go...grab a glass of wine from <font color="#ff0000">Bartolino's Osteria...</font>or a bag of popcorn from us...<font color="#ff0000">The Sandie Hea Team!</font>&nbsp; We will be there meeting and greeting those who want to discuss <a title="" href="http://hea-team.com/" target="_blank">real estate</a>, enter our drawing for gift certificates from local vendors, talk to <font color="#ff0000">Mark Widdicombe of Heartland Bank </font>about new lending requirements or simply wait for fresh popped corn from our old fashioned popper! </font><br />
<br />
<font color="#ff0000">Francis Park is bordered by Tamm, Nottingham, Donovan and Eichelberger Avenues, St. Louis, Missouri 63109.&nbsp; </font></font><br />
<strong><br />
<br />
<font size="4">Please come by and introduce yourself, we'd love to meet you!</font> </strong></p>]]></description><link>http://www.sandiehearealestate.com/Blog/ST-LOUIS-HILLS-ART-IN-THE-PARK-THIS-SUNDAY</link><guid>http://www.sandiehearealestate.com/Blog/ST-LOUIS-HILLS-ART-IN-THE-PARK-THIS-SUNDAY</guid><pubDate>Thu, 25 Sep 2008 22:29:00 GMT</pubDate></item><item><title>Who we are and who HE is!</title><description><![CDATA[<p>&nbsp;</p>
<div><font face="Garamond" size="4"><span style="FONT-SIZE: 14pt; FONT-FAMILY: Garamond">A CHURCH CHOIR:<br />
<br />
This is a group of people who decided to do something incredibly<br />
creative at their church, and they have on white gloves and are performing in front of a black light ... enjoy! Turn your sound on before clicking the link&nbsp;&nbsp;&nbsp;&nbsp;</span></font></div>
<p><a href="http://www.youtube.com/watch?v=CT7x3VnrqbA">http://www.youtube.com/watch?v=CT7x3VnrqbA</a></p>]]></description><link>http://www.sandiehearealestate.com/Blog/Who-we-are-and-who-HE-is</link><guid>http://www.sandiehearealestate.com/Blog/Who-we-are-and-who-HE-is</guid><pubDate>Thu, 11 Sep 2008 22:26:00 GMT</pubDate></item></channel></rss>