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365 Things To Do In Northern Kentucky - Cincinnati Home and Garden Show

by The Mike Parker Team

Spring is only weeks away so that means its time for Cincinnati's largest and longest running spring showcase....The Cincinnati Home and Garden Show.  Whether you're preparing to buy a new home, update the home you have or just see what the latest trends are, bring the whole family down to the Duke Energy Center and prepared to be awed.

Participating companies include those from landscape and interior design companies, remodeling specialist, specialty companies, manufacturers, retail stores, contractors and more.  2012 Admission is $12.00 for adults and children under 13 are free.  If you swing by Kroger and buy your tickets with your plus card you can save $3.00.  The show runs February 25-26 & February 29-March 4, 2012.

Check out the Exhibitors list here and prepare to be inspired.......

Brought to you by The Mike Parker Team/HUFF Realty.  For more things to do in Northern Kentucky and the tri-state area, check out our blog - 365 Things To Do In Northern Kentucky.

365 Things To Do In Northern Kentucky - Mardi Gras

by The Mike Parker Team

If you're ready to let the good times roll but can't quite make it down to New Orleans for Mardi Gras activities, look no further than the tri-state for lots of Mardi Gras festivities.

1.  Hofbrauhaus - Fat Tuesday...German Style
Celebrate Fat Tuesday on February 21. from 6pm until close at Newport's German restaurant and beer garden the Hofbrauhaus.  The event will feature the Enzian Dancers and prizes will be awarded for the best costumes.  That night also happens to be family night where kids eat from with a paying adult.  It doesn't get any sweeter than that!!

2.  Mardi Gras on Main Strasse
This amazing two night celebration begins Friday the 17th at 8pm with live music from the Websters.  The party continues on Saturday night the 18th as well.  You can join in the fun for $10/night or $15 for both nights.  Tickets give you admission to the entertainment tent with live music and admission into one of MainStrasse Village's bars.  If you haven't been to the party, you've got to check it out.  Some of the highlights include a parade through town and LOADS of fun.  Don't forget your beads...

3.  Voodoo Carnival 2012
Costumes are highly encouraged at the Voodoo Carnival.  At this party you can go all out in true Mardi Gras style.  The celebration is hosted by Pandora and the Queen City Cabaret, Friday February 17.  The event will take place at the Redmoor and space is limited so buy your tickets in advance.   

Risk Determines Rate

by The Mike Parker Team

Regardless of what a lender quotes on mortgage rates, the actual rate paid by a borrower is based on a number of variables. Lenders determine whether to loan money and at what rate based on the risk involved with the transaction.

Factors that increase the risk that the loan will be repaid will proportionately increase the interest rate charged to the borrower. If the risk becomes too high, the loan will not be approved.

  • Loan amounts - conventional loans for more than the conforming limits set by Fannie Mae are considered jumbo loans and generally have a higher interest rate.
  • FICO score - the lowest interest rate is reserved for the highest credit scores; the lower the score, the higher the rate borrower will pay.
  • Occupancy - borrowers occupying a home as their principal residence are considered a better loan risk than second homes and investment properties.
  • Loan purpose - purchase transactions generally have the lowest interest rate while refinancing a home is generally higher.
  • Debt-to-Income ratio - a borrower's monthly liabilities divided by their gross monthly income develops a ratio that helps lenders to assess the borrower's ability to repay the mortgage.
  • Loan-to-Value ratio - the lower the percentage of the loan to the appraised value of the property will generally lower the interest rate.
Any combination of these factors could limit a borrower's ability to secure a mortgage at the rate initially quoted. Being pre-approved by a trusted mortgage professional is the best way to know what rate you can expect to pay. Please call for a recommendation.

Pay Boone County Library Fines with Food Feb. 6 - 19

by The Mike Parker Team

-Message from The Boone County Public Library-

Pay your overdue fines with food! From February 6-19, you can exchange canned goods and other nonperishable foods for library overdue fines to help the Family Resource Centers at Collins, Ockerman and Florence Elementary Schools. These Resource Centers are school-based initiatives whose mission is to ensure that children come to school healthy, safe, and prepared to learn. With the current economic downturn and high unemployment, 9% of the children living in Boone County are below the poverty line and 31% of the children in Boone County Schools are eligible for the free and reduced lunch program. Children who are hungry cannot learn and succeed in life.

How can you help? The Library will waive $1 in current overdue fines for each can or package of food donated during the drive (a maximum of $20 can be waived). Donations may not be used to waive replacement fees for lost or damaged items or collection agency fees. Don't have any overdue fines? That's OK, no need to have fines to participate. All donations are gratefully accepted. Food may be dropped off at all Boone County Public Library locations. Bring a can down to your local library and help feed our community! 

Items especially needed include:

*    peanut butter

*    jelly

*    canned meats (tuna fish, beef stew)

*    canned vegetables and fruit

*    macaroni and cheese

*    rice and pasta

*    breakfast cereal or hot cereal

Please note: The library cannot accept home-canned  items, items that are opened, cans that are past their expiration date, dented, damaged, or cans with bar codes that have been lined or scratched through.

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Contact Information

Photo of Mike Parker - CRS Real Estate
Mike Parker - CRS
HUFF Realty
60 Cavalier Blvd.
Florence KY 41042