Florida Real Estate Blog

Skins Match August 27th 2008 a blog from the Mann
September 3rd, 2008 5:24 PM
Skins match news! played today 8/27/08 venue, Sweetwater CC. It was down to two, Lou and Greg, CW was forced to pull out at the last minute due to an inconsiderate customer wanting to close a loan, I ask you? Anyway conditions hot and sunny 95 feeling like 101! Big money on the line today, skins played for each hole, plus net for each nine and closet to the pin on all par 3's. Both players stepping on to the first tee box knowing this was it, A one on one a duel of the titans! The first was tied with bogeys, on to the tough 2nd and Lou drew first blood, taking the roll over skins and stepping on to the first par three with a look on his face that said it all. He proceeds to knock it close to the pin and confidently stood back to see what game Greg had brought with him. Well for a second or two Lou thought that Greg had gotten inside of him, as they approached the green Lou was closet to the pin and took another skin. Greg pars the hole to pull one back. The next hole is won by Greg. Lou picks up another skin on the 5th. Then there are three carry overs and the players reach the 8th hole, par 3 over water and Lou hits the green far right side, Greg dumps one in the water far right and Lou walks off with 4 skins, the 3 carry over and closet to the pin. he is now running away with things. They both face the tough 9th, par 5 that has history with them both. Greg walks off with a par and Lou drops two shots. The scores are totaled and yes, you guessed it they are all square, however Lou has 8 skins, Greg 3. Down the 10th they go, Greg wins the hole they tie the long 11th and Lou grabs the roll over on the 12th.He now leads 10 to 4 on skins. 13th,14th,15th are all tied, Lou picks up another closet to the pin skin on fifteen, Good job that fringe was three inches high. 16 and 17 are tied, 17 is a par 3 but both players missed the green and yes we do have drama on the 18th Tee box it is a six skin hole and tension mounts. Lou takes the box and crushed his drive down the middle, the hole is a dog leg left with trees blocking the left corner. Greg has no option as Lou had pointed out earlier, nobody ever won by laying up. He steps up and hammers his drive across the top of the trees and cuts the dog leg down like a spitfire pilot taking down the enemy in the battle of Britain. It gives him the advantage, Lou is 20 yards back and has to hit the green, Which is a small target trees, bunkers left and water along the right against the green. No time for nerves now, he pulls the trigger on the wedge and watches it fly right toward the water, it just clears but leaves him a really tough up and over the water to a tight green. Greg pulls a club and gets ready to hit, he is between clubs and changes his mind, switching clubs at the last second, this is only adding to the drama that is unfolding. He takes aim and hits the middle of the green. Lou settles over his third shot 20 yards between him and certain victory, There was a silence in the air as he struck his wedge and in slow motion the ball fly's toward the green but comes up short and hits the water. He reloads and plays his 5th hitting the short stuff and still in the match. Greg wastes no time hitting his birdie putt, missing but leaving a tap in par. Lou has to chip in and hope that Greg blows up, He forces his wedge and ends up making a 9, Greg missed his putt but tapped in for 5. That was a six skin win for Greg and both players gather around the score card, Lou calculates and recalculates the score and skins, He can hardly believe the results, Yes you guessed it They tied for skins, the 18th had seen to that, Greg won the net score by four strokes which gave him the extra skin to tie the skins game up. What a great afternoon for both players.
 

Posted by Jim, Mag and Maggie Ruddy on September 3rd, 2008 5:24 PMPost a Comment (0)

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Match 31
September 26th, 2008 9:02 PM

Errol Estates 7:56 AM September 25th 2008 The front would be played on the Highland and the back on the Lake.

Greg has been sick for a week and today was no different as he was seen hacking and sneezing on the 1st tee. CW always thinking of the safety of the stable of athletes in the cup race suggested that JR locate some filters to protect all the rest of us. So there we stand on the 1st tee box. Greg gasping in laughter while JR, Lou (poor attempt) and CW await the beginning of the competition with their painter filters strapped on their faces. JR always one to communicate had printed across the front of each the following.

STAND BACK MANN

Tee shots where struck and balls found many different lies and JR took the lead by 3 over Greg with Lou and Chuck following. 2nd hole chewed CW up and he was immediately down 10 strokes to the leader. The 3 par again saw JR extend his lead as he was the only one to par. The 4th saw Chuck, Lou and JR par and Greg fall back another 2 strokes. That’s when the earth shook, I’m sure you all felt it. JR was in a commanding lead and what does he do? He blows the ball OB and goes on to record a 9. These boys can smell blood in the water two zip codes away. Greg immediately cranks it up a notch and shoots 1 over par over the next 3 holes to close on JR and take the lead at the turn. He is up 2 on JR who is up 3 on Lou and CW is 5 back of Lou. It is a fickle game this game of golf.

The 10th hole today would have a beautiful view looking down into the valley and all drives where struck and play would continue down the fairway. Lou was in a strong position until his 5th shot was hit twice. Greg extended his lead by 2. The 11th had Chuck and Lou recording par and Greg giving up two strokes. CW went in to hyper drive and recorded 4 pars in a row. At this point everything has changed from the beginning of the match. We are on the 15th tee box and Greg leads Lou by 5 with JR and CW tied 1 back of Lou. Lou closes the gap to only 3 and we are looking for a wild ride to the club house with only 3 holes to play. There was a slight delay while Greg hosts a conference call, the other three played on and waited patiently. He was not flustered as he extends his lead back to 5 and the rest is history. That is with the one exception on the 18th. CW is in 3rd position 1 shot over JR. We do remember that the last place contestant has the honor of buying the Winners lunch. So one would think that CW would go into protect mode. On to the Tee box and all drives where struck. We will drop the color on Lou and Greg at this time for they are locked into their position.

JR finds himself on the green in 4. CW (remember he has a 1 stroke lead of JR) is lying 100 yards out in 2. He proceeds to hit the 3rd to the left side of the cart path and asks for a ruling on his ball. JR and Greg confer and agree to a fee drop. This is within 30 yards of the green. He will score today a 9 on this hole. CW will have to confer with his Elders and come up with a new course or some consideration that in future matches he would be exempt from playing the 18th hole on the Lake course. Yes this is the same hole that he (being in 1st place with a 1 shot lead) slid all the way back to 4th in Match 19 on June the 19th. Always remember the Golf Gods will not be mocked. He who is looking for birdies instead of boggies is due to repeat their past errors. Or as CW likes to say. RECOVERY IS A WONDERFUL THING on to Rock Springs Ridge.


Posted by Jim, Mag and Maggie Ruddy on September 26th, 2008 9:02 PMPost a Comment (2)

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Match 30
September 19th, 2008 8:01 AM

September 18, 2008 2 Pm Sweetwater Country Club

Early in the day the word was out, the club was aerating their greens today. Greg provided everyone with an opportunity to opt out but our cast of characters would have none of it, after all this is day made for the CW. The world may be falling apart around us but these 4 find great joy in the competition. So off we go.

It is a great day yet something seems amiss, yes the Golf Gods will have their hand in this match. Chuck and Greg take the lead coming off the 1st hole. The 2nd has such a challenging chute to drive though and it always gets at least one of us. Today it was Lou’s turn and he would fall 6 strokes off the leaders. Leave it to Lou to begin his climb back out on the 4th hole. The boys traded shots across 4, 5 and 6 (that 3par can really mess with your mind). At the 7th Tee box CW is in the lead by 3 and striking the ball well, his dreaded putter seems to have found favor today, could it be? Would the Golf Gods be that kind? Oh but we must never forget the 18th at Errol. Yep that was the one where CW stepped up to the final hole with a substantial lead only slide out of contention due to a much discussed mechanical failure.

7th found CW long down the middle and his 2nd shot crossed the fairway and was on an uphill mound about 40 yards out. His 3rd placed him just on the green with a 48’ putt. Lou is by his side and will putt first and he lags one up close. Then CW drains his put for his first par of the day and then goes out and pars the tough par 3, 8th to extend his lead to 5.

His drive up the 9th was strong enough to beat Lou then when you think we have found a chink in his armor as he is 20’ from the hole for a bogie and he makes the putt he would extend his lead to 7 over the field at the turn.

10th was no different he is long off the tee but he and Lou find themselves in the pine straw with 150 left to the center of the green. Yet he and Greg would make bogie. 11th saw some of the best drives this group has ever had on this hole with CW past the bunker on the short grass. Lou and JR are not far behind but Lou goes for the gusto and ends up in the water. He did go on to record double bogie and pick up 2 strokes on CW. Lou and JR would cut into Chucks lead with pars on 12 and Lou continued par on 13. CW was still up by 6 and you got the sense that this could be CW’s day. He was driving and putting very well and he continued to carve up the fairways looping shots around trees and over bunkers.

Walking off 15 it became apparent this was a day to fight for 2nd place. Charlie had no equal today. So the Ice Man (that would be Butt Ice) took dead aim on JR or maybe the reverse is true. Anyway they stroll to the 16th both knowing it will be a battle over the next three holes. For those of you who have been asking where is Greg in this blog. He is here but not having a great day. We did refer to the Golf Gods earlier, well they where having their way with both Greg and CW today. Leaving the 16th green Lou and JR are tied. Lou chips his ball in from off the green on 17 to take a one shot lead going to the 18th. Much was said about the history of the 18th on Errol Estates but CW was not to be denied. He confidently strolled to the tee box and drove the longest drive down the center of the fairway. Lou and JR where off on the left in the rough. That reminds me, Sweetwater CUT YOUR ROUGH. I do believe in a 1 shot penalty rough but this was ridiculous. When you find your ball and then walk to get your club and cannot find the ball again it is too high.

Lou hit his shot first and it found the water. JR found more rough but was on the green in 3 Lou arrived around 6 (that’s not the hour). So let the record show CW has a win in the first half and already one in the 2nd half. JR finished 2nd then Lou and Greg. OBTW Greg did par the last hole. Who says those Golf Gods don’t have a since of humor.


Posted by Jim, Mag and Maggie Ruddy on September 19th, 2008 8:01 AMPost a Comment (1)

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Tax Credit $7,500 Good or Bad Idea?
September 17th, 2008 8:11 AM

First let me say Time value of money is always a good idea and that is what we have here. This is a true credit but it does not come until the end of the year so you’re not going to the closing table with this money. It does allow you to borrow $7,500 from Mom/Dad and pay them back in the first part of 2009. Just remember it is not free. You will pay it back beginning in year 3 and going until year 15. That is $500 each year. But again Time Value of Money. By the time you’re last two years come around that $1,000 left in 2022 dollars will have the buying power of say $400.

They do have some hurtles. First you must be a first time home buyer or not owned a home in the last 3 years. Next you must purchase a home for greater than $75,000. Your income if single cannot be over $75,000 and this is adjusted up to include any student loans you may have. Or if married $150,000.

Given that Nehemiah and Ameridream are going away at the end of September this is the best game in town unless your income level is such that you can qualify for county funds.

Call us today and we can help you get into your dream home.


Posted by Jim, Mag and Maggie Ruddy on September 17th, 2008 8:11 AMPost a Comment (1)

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match 29
September 11th, 2008 11:28 PM

This day would find us at Rolling Hills after a long vacation for most of our competitors. Tee time was 7:24 and the players where on the tee box and ready for the day’s compitetion. All that can be said of the first 5 holes was that Lou was in control. From that point to the 9th he gave back to the field and we made the turn Lou in the lead by 1 over Greg, JR 2 back and CW 4 behind of JR.

The 10th provided a subtle swing as Lou’s ball was lost and many shots missed their target. After 11 JR is in the lead over Greg by one and then he has to face the 12th. Interesting hole number as that would be the score that JR would record today on this hole. Have I told you yet that CW was on a cruse? Well he was and he returned with that same dreaded putter. This guy could be leading this cup race if he could only putt the ball past the hole and never ever, ever use his 3 wood off the fairway.

On to the 13th it is now Lou and Greg by one stoke and they battle across the Mann Turn ( that would be 13, 14 and 15th) even up. JR found some breathing room from CW but could not close the gap on the leaders. Greg kept leaving the door open on 16 and 17th but Lou could only match his play. So we arrive on the 18th Greg up by one. Greg is off the fairway behind trees and Lou is on the short grass. Yet Greg nails a shot through the trees to 140 from the green. They both hit good third shots to on or first cut areas on the green. Lou is first and rolls a long putt that comes up short for the tie. While Greg nails a 35’ put for a two stroke win. He is in control as we progress in the CW cup race. Great round Greg.

We all walk away today with something to learn about our shot selection. Infinity and Beyond.


Posted by Jim, Mag and Maggie Ruddy on September 11th, 2008 11:28 PMPost a Comment (1)

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434 Road widening review at the Knollwood Home Owners Annual Mtg.
September 11th, 2008 10:42 PM

Property acquisition should begin soon with contacts to the home owners impacted before the end of the year.  Then the County/State will order Appraisals and make offers to purchase the impacted land.  You do have options if the offer seems low you can negotiate but it will require you have some data to support you. 

Mag, Maggie and I are very familure with this area and can support you during this time. As members of our Home Owners Association it would be our pleasure to offer this to our members free of charge. As both our Canadiets for President have said.  Service to the community/country is what we should all consider. 

Tonight the County has provided to all owners that back up to 434 the opportunity to build a wall 6' to 8' tall on the owners land. Not on the land they purchase. This is a good thing in that we would have a common wall that runs the length of our community and it would be built by the Government.  Not sure if all of it will be free at this time based on the type of construction we chose.   Concerns should be that we will maintain it after construction and those homeowners will have to provide 5' of their land for county right of way to build the wall, after that it is all theirs or the Homeowners association.  If the Homeowners association. That opens a whole other can of worms.

The county stated (Brett) that we did not qualify for a Noise reduction wall  (and our Board President does not believe it will be attractive).  I asked Brett to confirm if any other area on the 434 widening project qualified for a noise wall and he said no they did not.  I also stated after giving my name and address to the Board that the Noise wall would be maintained by the county and State where our 6' to 8' wall will be maintained by us even though the wall is not on a common area (could be a problem). As the Board said tonight we must have more input on this issue.  More to come.


Posted by Jim, Mag and Maggie Ruddy on September 11th, 2008 10:42 PMPost a Comment (0)

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Great advice to prevent ID theft and what to do if it happens to you.
September 4th, 2008 3:55 AM
A corporate attorney sent the following out to the
employees in his company.

1. The next time you order checks have only your initials
(instead of first name) and last name put on them. If
someone takes your checkbook, they will not know if you sign
your checks with just your initials or your first name, but
your bank will know how you sign your checks.

2. Do not sign the back of your credit cards. Instead,
put 'PHOTO ID REQUIRED'.

3. When you are writing checks to pay on your credit card
accounts, DO NOT put the complete account number on the
'For' line. Instead, just put the last four numbers.
The credit card company knows the rest of the numbers, and
anyone who might be handling your check as it passes through
all the check processing channels won't have access to
it.

4. Put your work phone # on your checks instead of your
home phone. If you have a P.O Box, use that instead of your
home address. If you do not have a P.O. Box, use your work
address. Never have your SS# printed on your checks. (DUH!)
You can add it if it is necessary. But if you have it
printed, anyone can get it.

5. Place the contents of your wallet on a photocopy
machine. Do both sides of each license, credit card, etc.
You will know what you had in your wallet and all of the
account numbers and phone numbers to call and cancel. Keep
the photocopy in a safe place. I also carry a photocopy of
my passport when travel either here or abroad. We've all
heard horror stories about fraud that 's committed on us
in stealing a name, address, Social Security number, credit
cards.

Unfortunately, I as an attorney, have firsthand knowledge
because my wallet was stolen last month. Within a week, the
thieve(s) ordered an expensive monthly cell phone package,
applied for a VISA credit card, had a credit line approved
to buy a Gateway computer, received a PIN number from DMV to
change my driving record information online, and more. But
here's some critical information to limit the damage
in case this happens to you or someone you know:

1. We have been told we should cancel our credit cards
immediately. But the key is having the toll free numbers
and your card numbers handy so you know whom to call.
Keep those where you can find them.

2. File a police report immediately in the jurisdiction
where your credit cards, etc., were stolen. This proves to
credit providers you were diligent, and this is a first step
toward an investigation (if there ever is one).

But here's what is perhaps most important of all: (I
never even thought to do this.)

3. Call the 3 national credit reporting organizations
immediately to place a fraud alert on your name and Social
Security number. I had never heard of doing that until
advised by a bank that called to tell me an application for
credit was made over the Internet in my name. The alert
means any company that checks your credit knows your
information was stolen, and they have to contact you by
phone to authorize new credit. The telephone numbers are
listed below.

By the time I was advised to do this, almost two weeks
after the theft, all the damage had been done. There are
records of all the credit checks initiated by the
thieves' purchases, none of which I knew about before
placing the alert. Since then, no additional damage has
been done, and the thieves threw my wallet away. This
weekend (someone turned it in). It seems to have stopped
them dead in their tracks.

Now, here are the numbers you always need to contact about
your wallet, etc., has been stolen:

1.) Equifax: 1-800-525-6285
2.) Experian (formerly TRW): 1-888-397-3742
3.) Trans Union : 1-800-680-7289
4.) Social Security Administration (fraud line):
1-800-269-0271

We pass along jokes on the Internet...we pass along just
about everything. But if you are willing to pass this
information along, it could really help someone that you
care about!!!

Posted by Jim, Mag and Maggie Ruddy on September 4th, 2008 3:55 AMPost a Comment (0)

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