Saturday, June 19, 2010

Father's Day Quotes

Happy Father's Day! Enjoy your day and enjoy your children!  My new favorite father's day quote "Call your Dad..because I wish I still could"  William "Red" Logue..the world's best Dad!


The greatest gift I ever had
Came from God; I call him Dad!
~Author Unknown

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Any man can be a father. It takes someone special to be a dad.
~ Anonymous

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A man's children and his garden both reflect the amount of weeding done during the growing season.
~ Anonymous

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A father is always making his baby into a little woman. And when she is a woman he turns her back again.
~ Enid Bagnold

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The father who does not teach his son his duties is equally guilty with the son who neglects them.
~ Confucius

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If the new American father feels bewildered and even defeated, let him take comfort from the fact that whatever he does in any fathering situation has a fifty percent chance of being right.
~ Bill Cosby

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You know, fathers just have a way of putting everything together.
~ Erika Cosby

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Be kind to thy father, for when thou wert young, who loved thee so fondly as he? He caught the first accents that fell from thy tongue, and joined in thy innocent glee.
~ Margaret Courtney

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How true Daddy's words were when he said: "All children must look after their own upbringing." Parents can only give good advice or put them on the right paths, but the final forming of a person's character lies in their own hands.
~ Anne Frank

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I cannot think of any need in childhood as strong as the need for a father's protection.
~ Sigmond Freud

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A man knows when he is growing old because he begins to look like his father.
~ Gabriel García Márquez

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It is a wise child that knows his own father.
~ Homer

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It is a wise father that knows his own child.
~ William Shakespeare

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It is much easier to become a father than to be one.
~ Kent Nerburn

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He who is taught to live upon little owes more to his father's wisdom than he who has a great deal left him does to his father's care.
~ William Penn

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None of you can ever be proud enough of being the child of such a Father who has not his equal in this world - so great, so good, so faultless. Try, all of you, to follow in his footsteps and don't be discouraged, for to be really in everything like him none of you, I am sure, will ever be. Try, therefore, to be like him in some points, and you will have acquired a great deal.
~ Queen Victoria of England

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It doesn't matter who my father was; it matters who I remember he was.
~ Anne Sexton

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That is the thankless position of the father in the family - the provider for all, and the enemy of all.
~ J. August Strindberg

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For thousands of years, father and son have stretched wistful hands across the canyon of time.
~ Alan Valentine

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The most important thing a father can do for his children is to love their mother.
~ Henry Ward Beecher

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Sherman made the terrible discovery that men make about their fathers sooner or later...that the man before him was not an aging father but a boy, a boy much like himself, a boy who grew up and had a child of his own and, as best he could, out of a sense of duty and, perhaps love, adopted a role called Being a Father so that his child would have something mythical and infinitely important: a Protector, who would keep a lid on all the chaotic and catastrophic possibilities of life.
~ Tom Wolfe, The Bonfire of the Vanities

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"By the time a man realizes that maybe his father was right, he usually has a son who thinks he's wrong."
~ Charles Wadsworth quotes

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"Becoming a father is easy enough, but being one can be very rough"
~ Wilhelm Busch

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"It is a wise child that knows its own father, and an unusual one that unreservedly approves of him"
~ Mark Twain

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"Other things may change us, but we start and end with family"
~ Anthony Brandt

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"To be a successful father there's one absolute rule: when you have a kid, don't look at it for the first two years"
~ Ernest Hemingway

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"Every parent is at some time the father of the unreturned prodigal, with nothing to do but keep his house open to hope"
~ John Ciardi

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"If the new American father feels bewildered and even defeated, let him take comfort from the fact that whatever he does in any fathering situation has a fifty percent chance of being right."
~ Bill Cosby

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"My father didn't tell me how to live; he lived, and let me watch him do it."
~ Clarence B. Kelland

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"A father is always making his baby into a little woman. And when she is a woman he turns her back again."
~ Enid Bagnold

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"One father is more than a hundred schoolmasters."
~ George Herbert

"My father used to play with my brother and me in the yard. Mother would come out and say, "You're tearing up the grass"; "We're not raising grass," Dad would reply. "We're raising boys";"
~ Harmon Killebrew

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"Blessed indeed is the man who hears many gentle voices call him father!"
~ Lydia M. Child

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"A king, realizing his incompetence, can either delegate or abdicate his duties. A father can do neither. If only sons could see the paradox, they would understand the dilemma."
~ Marlene Dietrich

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"I cannot think of any need in childhood as strong as the need for a father's protection."
~ Sigmund Freud

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"It doesn't matter who my father was; it matters who I remember he was."
~ Anne Sexton

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"Sometimes the poorest man leaves his children the richest inheritance."
~ Ruth E. Renkel

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"When a father gives to his son, both laugh; when a son gives to his father, both cry."
~ William Shakespeare

"That is the thankless position of the father in the family-the provider for all, and the enemy of all."
~ August Strindberg

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"When one has not had a good father, one must create one."
~ Aziza Friedrich Nietzsche

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"He who is taught to live upon little owes more to his father's wisdom than he who has a great deal left him does to his father's care."
~ William Penn

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"When I was a boy of 14, my father was so ignorant I could hardly stand to have the old man around. But when I got to be 21, I was astonished at how much the old man had learned in seven years."
~ Mark Twain

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He didn't tell me how to live; he lived, and let me watch him do it.
~ Clarence Budington Kelland

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My father used to play with my brother and me in the yard. Mother would come out and say, "You're tearing up the grass." "We're not raising grass," Dad would reply. "We're raising boys."
~ Harmon Killebrew

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One father is more than a hundred schoolmasters.
~ George Herbert, Outlandish Proverbs, 1640

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Fatherhood is pretending the present you love most is soap-on-a-rope.
~ Bill Cosby

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Father! - to God himself we cannot give a holier name.
~ William Wordsworth

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Henry James once defined life as that predicament which precedes death, and certainly nobody owes you a debt of honor or gratitude for getting him into that predicament. But a child does owe his father a debt, if Dad, having gotten him into this peck of trouble, takes off his coat and buckles down to the job of showing his son how best to crash through it.
~ Clarence Budington Kelland

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A father is always making his baby into a little woman. And when she is a woman he turns her back again.
~ Enid Bagnold

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Blessed indeed is the man who hears many gentle voices call him father!
~ Lydia M. Child, Philothea: A Romance, 1836

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It is not flesh and blood but the heart which makes us fathers and sons.
 
~Johann Schiller

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When I was a boy of fourteen, my father was so ignorant I could hardly stand to have the old man around. But when I got to be twenty-one, I was astonished at how much he had learned in seven years.
~ Mark Twain, "Old Times on the Mississippi" Atlantic Monthly, 1874

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Dad, you're someone to look up to no matter how tall I've grown.
~ Author Unknown

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There's something like a line of gold thread running through a man's words when he talks to his daughter, and gradually over the years it gets to be long enough for you to pick up in your hands and weave into a cloth that feels like love itself.
~ John Gregory Brown (Decorations in a Ruined Cemetery), 1994

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Happy Father's Day!





Cheers!

Monday, June 14, 2010

Jennifer Michaels Hair Studio..making news



Barrington’s local salon, Jennifer Michaels Hair Studio  has been creating quite the “Buzz” lately..and no I don’t mean that as in hair terms you know like “Buzzcut”!! The salon recently participated downtown Chicago in a live hair and photo shoot with GlamLive, a high fashion production company. The theme of the show was “Rockabilly”. The girls were “rocking” out hairstyles all night long! Models came in although-out the evening to get styled up and then were photographed. Check out the photo’s! Become a fan of Jennifer Michaels Hair Studio or go to their website www.Jennifer-Michaels.com 

And I don't know about you..but I am really thinking about cutting my hair short!!!
Remember to tell them Judy sent you!

Friday, June 4, 2010

4 Tips to Determine How Much Mortgage You Can Afford

Article From BuyAndSell.HouseLogic.comBy: G. M. Filisko This is a great article..please share it with anyone you know that is thinking about purchasing a home! Remember..I am here to help!


"By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget.

Homeownership should make you feel safe and secure, and that includes financially. Be sure you can afford your home by calculating how much of a mortgage you can safely fit into your budget. Instead of just taking out the biggest mortgage a lender qualifies you to borrow, consider how much you want to pay each month for housing based on your financial and personal goals. Think ahead to major life events and consider how those might influence your budget. Do you want to return to school for an advanced degree? Will a new child add day care to your monthly expenses? Does a relative plan to eventually live with you and contribute to the mortgage? Still not sure how much you can afford? You can use the same formulas that most lenders use, or try another of these traditional methods for estimating the amount of mortgage you can afford.

1. The general rule of mortgage affordability

As a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000. To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs.

2. Factor in your down payment

How much money do you have for a down payment? The higher your down payment, the lower your monthly payments will be. If you put down at least 20% of the home's cost, you may not have to get private mortgage insurance, which costs hundreds each month. That leaves more money for your mortgage payment.
The lower your down payment, the higher the loan amount you'll need to qualify for and the higher your monthly mortgage payment.

3. Consider your overall debt

Lenders generally follow the 28/41 rule. Your monthly mortgage payments covering your home loan principal, interest, taxes, and insurance shouldn't total more than 28% of your gross annual income. Your overall monthly payments for your mortgage plus all your other bills, like car loans, utilities, and credit cards, shouldn't exceed 41% of your gross annual income. Here's how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don't top 41%, or $3,416 in our example.

4. Use your rent as a mortgage guide

The tax benefits of homeownership generally allow you to afford a mortgage payment-including taxes and insurance-of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment. Here's an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership. However, if you're struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead. Also consider whether or not you'll itemize your deductions. If you take the standard deduction, you can't also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a "what if" tax return, can help you see your tax situation more clearly.

More from HouseLogic

More on the mortgage interest deduction (http://www.houselogic.com/articles/mortgage-interest-deduction-vital-housing-market/) More on the tax advantages of homeownership (http://www.houselogic.com/articles/tax-tips-homeowners-preparing-2009-returns/)

 Other web resources

A worksheet on home affordability (http://www.ginniemae.gov/2_prequal/intro_questions.asp?Section=YPTH) Freddie Mac information on home affordability (http://www.freddiemac.com/corporate/buyown/english/preparing/right_for_you/afford.html)"
Any questions you may have..just give me a call! Or email...JudyGibbons@remax.net
or send me a message on www.facebook.com/judygibbons