NORTH Idaho Real Estate Pro

Help! An unmarked Vehicle with Flashing Light is trying to pull me over......

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 16:18:03 -0600

Notice!
An urban legendhas circulated since 2002 claiming that motorists can dial #77 or *77 to reach the police, or to determine if the unmarked police car behind them is a real "Officer of the Law" or .... etc. As you can see from the map at http://www.911dispatch.com/911/mobilenumbers.html , #77/*77 is NOT the universal number for the police. Law enforcement recommends you either dial 911 or determine your state's local highway emergency or special circumstance number.

So, if you encounter an unmarked vehicle with flahing lights trying to pull you over, call 911 or your local Highway Notification Number (see below) to determine if it is an officer of the law, before you pull over.

http://www.911dispatch.com/911/mobilenumbers.html Highway Notification Numbers Original source: Missouri Highway Patrol, Dispatch Magazine on-line Updated 9/12/2008

Although 911 has been designated as the "official" number for reporting emergencies in the United States, manyother numbers have been implemented for reporting highway situations: accidents, intoxicated drivers (DUIs), or disabled vehicles. In most cases, dialing these special numbers routes the call to the agency with jurisdiction over the state highways or Interstates, rather than to the local law enforcement agency.

This map does not depict which states allow 911 dialing from wireless phones to report an emergency. Instead, this map show other telephone numbers established by the states to reach a state-level law enforcement agency to report highway situations, some of which could be considered "urgent."

Confusingly, calls to these numbers may also be routed to the same agency that handles emergencies for the highway, resulting in their use by motorists for actual emergencies.

Take Kansas: they have 911 service that reaches local or county agencies, but the Kansas Highway Patrol advertises three numbers: 911, *HP (to reach the Highway Patrol directly) and *KTA (to reach the Highway Patrol for turnpike-related matters).

And continuing the confusion, if you're traveling adjacent to a state boundary such as Virginia, Maryland and DC, dialing one of these special numbers could connect you with... well, who knows which state or agency you'd hear on the phone? That's the disadvantage of non-standard numbers, and of wireless phones whose signal can go in all directions.

This map was originally developed by the Missouri Highway Patrol, and has been periodically updated by DISPATCH Magazine On-Line. Let us know of any errors or changes.

Some of the alternate uses for the above numbers include:

The Iowa State Patrol Web site for a list of mobile emergency numbers.
Nextel has a list of # and * associated numbers for highway assistance.
We have a report that Colorado also has the number *CSP for reaching the State Patrol from wireless phones.
In Kansas, motorists can dial *KTA while on the turnpike.
In Illinois, the number *999 number is operated jointly by the Illinois State Toll Highway Authority and the state's DOT, and is intended for "emergencies," which the Authority defines generally as being "stranded" on the tollway.
On the Indiana toll-road, *11 reaches the state police
In Louisiana, *24 reaches the Coast Guard
Dialing *555 in Prince George's and Montgomery County (Md.) reaches the Park Police
Dialing *11 reaches Emergency Operations for the Pennsylvania Turnpike
Dialing *ISP in Idaho is intended to report DUI drivers.

I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Just announced! Senate Panel Compromises on Tax Credit and Expands Eligibility, Income Limits

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 29 Oct 2009 16:18:02 -0500

Just announced!

Oct. 29--A Senate committee reached a compromise to extend the $8,000 tax credit for first-time home buyers, a boost the housing industry expects will help it pull out of its two-year-old downturn.

The compromise measure expands the tax credit to non first-time buyers and also raises income ceilings, while also extending the deadline to to April 30, 2010.
Under the new proposal, people who have lived in a primary residence for five consecutive years would be eligible for a $6,500 credit when purchasing a new property.
Incomes limits will be raised to $125,000 for individuals and $225,000 for couples, vs. $75,000 and $150,000 previously.
The maximum house value rises to $800,000.

There are a lot of details not yet released. However, it is my understanding that:

Home buyers would not have to repay the credit, provided the home remains their principal residence for at least 36 months.
The amendment includes a military waiver provision, meaning the recapture provision would not apply in the case of a member of the Armed Forces, military intelligence or Foreign Service who is on qualified official extended duty. In addition, members of the military who have been deployed overseas for 90 days or more in 2008 or 2009 would have until April 30, 2011, to claim the home buyer tax credit.
The amendment also includes anti-fraud language that provides math authority to the IRS to do greater oversight during the processing of the return rather than waiting for an audit situation. The amendment requires the taxpayer claiming the credit to be 18 or older as well as requiring a HUD-1 settlement statement to be attached when claiming the credit.

Click here for the CNBC News Article

Click here for the The Philadelphia Inquirer

Please contact me to find your next home. Use my free MLS home search "Portal." I would love to help you find your North Idaho Dream!

Your North Idaho Real Estate Pro:

Pam Jank

President signed - Tax Credit extension - 1st time homebuyer & NOT 1st Time homebuyer...

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 15:00:07 -0600

Homebuyer Tax Credit Update!

On November 6, 2009, President Obama signed a bill to extend the tax credit for first-time homebuyers (FTHBs) through June 30, 2010. The bill also opens up opportunities for others who are not buying a home for the first time.

Tax Credit for Homebuyers

First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of up to $6,500 for qualified purchasers who have owned and occupied a primary residence for a period of five consecutive years during the last eight years.

Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.

What are the New Deadlines?

In order to qualify for the credit, all contracts need to be in effect no later than April 30, 2010 and close no later than June 30, 2010.

Tax Credit Versus Tax Deduction

It's important to remember that the tax credit is just that... a tax credit. The benefit of a tax credit is that it's a dollar-for-dollar tax reduction, rather than a reduction in a tax liability that would only save you $1,000 to $1,500 when all was said and done. So, if a first-time homebuyer were to owe $8,000 in income taxes and would qualify for a tax credit of $8,000, she would owe nothing.

Better still, the tax credit is refundable, which means the homebuyer can receive a check for the credit if he or she has little income tax liability. For example, if a first-time homebuyer is eligible for a tax credit of $8,000 but is liable for $4,000 in income tax, she can still receive a check for the remaining $4,000!

Higher Income Caps

The amount of income someone can earn and qualify for the full amount of the credit has been increased.

Single tax filers who earn up to $125,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, single filers who earn $145,000 and above are ineligible

Joint filers who earn up to $225,000 are eligible for the total credit amount. Those who earn more than this cap can receive a partial credit. However, joint filers who earn $245,000 and above are ineligible.

Maximum Purchase Price

Qualifying buyers may purchase a property with a maximum sale price of $800,000.

------------------------

I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank

Additional Tax Incentives - Tax Credits for 2010

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 06 Nov 2009 15:03:48 -0600

You may be able to benefit from additional housing related provisions, including the following:

------------------------

Tax Incentives to Spur Energy Savings and Green Jobs

This provision is designed to help promote energy-efficient investments in homes by extending and expanding tax credits through 2010 for purchases such as new furnaces, energy-efficient windows and doors, or insulation.

Landmark Energy Savings

This provision provides $5 Billion for energy efficient improvements for more than one million modest-income homes through weatherization. According to some estimates, this can help modest-income families save an average of $350 a year on heating and air conditioning bills.

Repairing Public Housing and Making Key Energy Efficiency Retrofits To HUD-Assisted Housing

This provision provides a total of $6.3 Billion for increasing energy efficiency in federally supported housing programs. Specifically, it establishes a new program to upgrade HUD-sponsored low-income housing (for elderly, disabled, and Section 8) to increase energy efficiency, including new insulation, windows, and frames.

Expanding Housing Assistance

This provision increases support for several critical housing programs. It includes $2 Billion for the Neighborhood Stabilization Program to help communities purchase and rehabilitate foreclosed, vacant properties.

-------------------

I would love to help you find your North Idaho Dream! Please contact me to find your next home. Use my free MLS home search "Portal." Your North Idaho Real Estate Pro:

Pam Jank

UPDATE -House Approved, Senate May Pass Homebuyer Tax Credit Extension Today

Pam Jank (Coldwell Banker Schneidmiller Realty) — Wed, 04 Nov 2009 15:33:17 -0600

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000.

--------------

House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

It appears the House and the Senate may approve the extension of the tax credit today. They must have a home under contract by April 30th and it must close by June 30th. It remained at $8000 for first time home buyers. They also included a $6,500 tax credit for non first time home buyers.

It is a $45 billion plan to expand a tax credit for first- time homebuyers, extend jobless benefits and provide tax refunds to money-losing companies.

The Senate voted 97-1 to end debate on the measure and clear the way for final approval. The Senate is likely to pass the legislation and send it to the House, where Democratic leaders predicted it would be quickly forwarded to President Barack Obama to be signed into law.

I'll keep you posted.

Here are links to 2 recent reports:

House Approved: http://www.upi.com/Top_News/US/2009/11/03/House-OKs-homebuyer-tax-credit-extension/UPI-47461257303761/

AND:

Senate May Pass: http://bit.ly/2keoYs

Please contact me to find your next home. Use my free MLS home search "Portal." I would love to help you find your North Idaho Dream!

Your North Idaho Real Estate Pro:

Pam Jank

Clocks FALL BACKWARD November 1st @ 2:00 A.M

Pam Jank (Coldwell Banker Schneidmiller Realty) — Sat, 31 Oct 2009 21:24:40 -0500

Daylight Savings Time is November 1st at 2:00 A.M.

Please move your Clocks BACKWARD 1-Hour at 2:00 a.m. This change will be in effect until March 8th, 2010.

NOTE: Also, be Sure to change the batteries in all of your devices such as carbon monoxide and smoke detectors, as well as flashlights, clocks, remote controls and other battery operated devices.

Please contact me with any of your Real Estate / Relocation / New Construction and/or Referral needs:

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro

FREE MLS Listings Search at:
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-446-0660 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
1924 Northwest Blvd
Coeur d'Alene, ID 838314

Pam Jank

FHA Rate Updates for: Oct. 21, 2009

Pam Jank (Coldwell Banker Schneidmiller Realty) — Wed, 21 Oct 2009 14:52:46 -0500

Many banks have tightened up standards on their mortgage loans in the current lending enviorment. Many Homebuyers are being turned away becasue their Bank does not offer FHA financing options.

FHA is a great way to go if the borrower is putting down less than 20%, even if the borrower has an excellent credit score. Today, many banks are not offering conventional loans with private mortgage insurance for borrowers under 740 with less than 20% available for the down payment. This makes FHA Insured loans loans the only alternative for a homebuyer to obtain financing.

APR based on 3.50% down payment on a $300,000 sale price

FHA Rate Updates for:
10/21/2009

FHA Insured Program	Rate	APR
30 Year Fixed	5.000%	5.497%
15 Year Fixed	4.500%	5.853%
5/1 ARM	4.250%	3.718%
3/1 ARM	3.875%	3.389%

An FHA loan can be obtained with a credit score as low as 640. Many banks are not lending borrowers with a credit score under 680 and some even require a 740 credit score, certainly for the best terms. FHA offers great rates with reduced monthly mortgage insurance, more liberal debt to income allowance, only a 3.50% down payment requirement and up to a 6.0% seller contribution toward your buyers closing costs.

Below is a comparison of FHA and Conventional financing requirements for a $300,000 sale price on a single family residence in Orange County, California.

Loan Program	FHA	Conventional	Best Option?
Credit Score Requirement	640	740+	FHA
Maximum Qualifying Ratio	55%	44%	FHA
Down Payment Requirement	3.50%	20.00%	FHA
Base Loan Amount	$289,500	$240,000	FHA
Cash Required to Close	$11,500	$60,000	FHA
Average Closing Time	30 days	60 days	FHA

All of the the above information is deemed reliable but not guaranteed. Please verify through your local FHA Lender.

See my earlier Blog regarding USDA 102% Financing Loans. Click on the following Link:

USDA Guaranteed Rural Housing Program - 102% Financing - No Mortgage Insurance

Please feel free to contact me to find a local FHA lender. I would also love to help you find your North Idaho Dream home!

Your North Idaho Real Estate Pro:

Pam Jank

House Extends Tax Credit for 1-more Year ..........

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 15 Oct 2009 12:53:51 -0500

House Extends Tax Credit to Active Military for One More Year

Yesterday the House of Representatives unanimously voted to extend the $8,000 first-time home buyer tax credit to active military personnel, foreign service and intelligence officers. HR 3590 extends the existing tax credit to this group until November 30th, 2010. The bill now goes to the Senate, and is expected to pass with the same ease.

The bill was introduced by Rep. Charles Rangel (D-NY) because it was thought that military personel serving oversees this year did not have the same opportunity to take advantage of the tax credit. If the original qualifications are met, the extension applies to military personnel who spent at least 90 days of the current calendar year oversees. It also does not require borrowers to payback the tax credit if they are deployed after receiving it. The current tax credit requires borrowers payback the tax credit if they do not occupy the home within three years of receiving the tax credit.

No word yet on whether the $8,000 tax credit will be extended for all eligible borrowers.

Your North Idaho Real Estate Pro:

Pam Jank

$159,900 - 1/3 acre - Hayden Lake CC Golf Course View Lots for Sale - Also approved for individual ownership Townhouses/Duplexes

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 28 Sep 2009 12:46:16 -0500

1623 E Miles Ave
Hayden, ID 83858
Multi-Family LOT - Hayden Lake Country Club -

Pam Jank

Realtor, GRI, CRS, ABR, RRS, PPS

Office:	Coeur d'Alene Idaho
Mobile:	208-661-2282
Website:	Visit Website

Price	:	$159,900
Lot Size	:	13,939
Community	:	Hayden Lake Counry Club
County	:	Kootenai
Property Type	:	Vacant Land
MLS Number	:	09-8634

click for more information and pictures

Property Description

Views of the Hayden Lake Country Club Golf Course 14th Fairway. This LOT is Perfect for Single family home or Individual Ownership Duplexes / Townhomes. Or even a Single Family w/Guest House. Lot is approximately 1/3 acre (90' x 154.08') plus it has 2-Sewer 2-Water Stubs/Hookups. This type of lot is very rare for this location. All utilities including Natural Gas. Honeysuckle Beach and Boat Launch are just down the road. Avondale Golf Club is right behind. Also availible, additional Single Family. Multi-Family or Townhouse/Condo with individual ownership Lot next door that has 2-sewer 2-water hook-ups.

Features List

Golf Course Views	.32 Acres	Townhouse/Condo Lot
Duplex Lot	House w/Guest	Dual Family
Single Family	90' x 154.08'	2-Sewer Hook-ups IN
2-Water Hook-ups IN	Near Beach	Near Boat Launch
HLCC in Front	Avondale Golf Behind

Equal Housing Opportunity.

Coldwell Banker Schneidmiller Realty : 1924 Northwest Blvd - Coeur d'Alene ID 83814 : Coeur d'Alene Idaho

Pam Jank

$295,000 Waterfront Lot for Sale - Hayden Lake Idaho - Foreclosure Price!

Pam Jank (Coldwell Banker Schneidmiller Realty) — Thu, 03 Sep 2009 23:41:25 -0500

$295,000 Hayden Lake Waterfront Lot for Sale - Located at Yellowstone Point on Hayden Lake - 6544 E. Sunset Beach Road - Hayden Lake, ID 83835 - Distress Sale, Foreclosure, Bank Owned price! Nothing can beat this on the lake!

6544 E Sunset Beach Rd - Hayden Lake, Idaho - www.SunsetBeach.CanBYours.com

Offered at: $295,000

See Website: www.SunsetBeach.CanBYours.com

For more pictures instantly: Text "53902" To 79564

MLS Nbr: 09-10774

P r o p e r t y I n f o r m a t i o n

Lot Size: .81 acres)

Community: Hayden Lake

Property type: Vacant Land Waterfront

County: Kootenai

Property Description

This has to be the best buy on Hayden Lake! It is priced like a Distress, Foreclosure and/or Bank Owned property. This waterfront lot is .81 acres with 109 ft of frontage. Deep Water and Beautiful Views from this Southern End of Yellowstone Point setting on Sunset Beach Road. This is an area of high-end waterfront homes and waterfront vacation cabins. Good access road and a path to beach. Property had septic approval in 2007.

Sunset Beach Road is located on the Southern Exposure side of Yellowstone Point.(Yellowbank Road is on the North Side). Take Hayden Lake Road to just past Mile Post 8, turn left onto Sunset Beach Road at the Sunset Beach Sign.

Features List

Priced to Sell NOW!	Yellowstone Point	End of Point Setting	109 ft frontage
.81 acres	Deep Water	Southern Exposure	Septic Approval
Gate to Property

A g e n t I n f o r m a t i o n

Pam Jank, GRI, CRS, AGR, RSS, PPS

Pam Jank
Realtor, GRI, CRS, ABR, RRS, PPS
Office Coeur d'Alene Idaho
Mobile 208-661-2282

Coldwell Banker Schneidmiller Realty
1924 Northwest Blvd
Coeur d'Alene, ID 83814

Web Site: www.sellingnorthidaho.com




Email: pamjank@hotmail.com

Web Site: www.sellingnorthidaho.com

Office: Coeur d'Alene Idaho
Mobile: 208-661-2282

Pam Jank

Lawn to Water - 328' Waterfront - 1.17 Acres - 2 Log Cabin Retreats - Historic Hope Peninsula - Lake Pend Oreille

Pam Jank (Coldwell Banker Schneidmiller Realty) — Tue, 16 Sep 2008 07:15:42 -0500

Pam Jank | Coldwell Banker Schneidmiller Realty | (208)661-2282

334 Eameshore Drive, Hope, ID

Lawn to Water - 328' Waterfront - 1.17 Acres -2 Log Cabin Retreats / Homes - Boat House - Dock - Historic Hope Peninsula on Lake Pend Oreille

5BR/4BA Single Family House

offered at $1,890,000

Year Built	1945
Sq Footage	2,321
Bedrooms	5
Bathrooms	4 full, 0 partial
Floors	1
Parking	4+
Lot Size	1.17 acres
HOA/Maint	$0 per month

DESCRIPTION

"Lawn to Water" - 328' of Waterfront - 1.17 acres - private "end of road" setting. Sunsets and Expansive Lake Views of the 2nd largest lake in the west. No Stairs needed here!

Located NE of Sandpoint at the North Shore of Lake Pend Oreille on Historic Hope Peninsula; "Beyond Hope" in Owens Bay. Nearby David Thompson Game Preserve w/ grazing herds of whitetail deer and gaggles of Canadian geese. In fall and winter Bald Eagles rest in the trees along the shoreline. You can also hike nearby Trails or go for the Whitewater experience on the Pack River, CDA River or Big North Fork. Schweitzer Mountain provides an excellent Skiing Experience. Celebrities and Presidents alike have vacationed here and it is one of Idaho's original Artist Colonies. This is the Lifestyle!

2 Log Style Cabins / Homes. The 1377 sf Main house has 3 bedrms (1 is a Jack-n-Jill) and 2-baths. Gorgeous Granite Kitchen with high end cabinetry, Stainless Appliances and Built In Refrigerator. Large Great Room with Custom Wall Unit / Entertainment System opens to the large Dining Room. There is a Laundry and 600 sf Covered Porch. This property is perfect for those large gatherings.

The 977 sf Guest House w/ 2 bedrms, 2 Baths, Grtrm, Dining, Kitchen, Fireplace, and 133 sf Screened-in porch. Lush English Style Gardens surround both homes and 184 sf Bunk House. Also include: Large Sun Deck, Boat Dock, Boat House, Boat Lift and Shed.

This immaculate property is maintained by a Caretaker, Grounds and House Keepers.
· 4-5 bedrooms • 4 baths • 2,321 Total approx sq.ft. • Lawn to Water • 338 ft Water Front • 1.17 Acres • Log Home Design • House & Guest • Lush Gardens • Boat House & Dock • Lake Pend Oreille • Hope Peninsula • Owens Bay • Game Preserve • "Beyond Hope
· Electric • Propane Gas• Private Well • Septic • Orig. Built 1945 • Remodeled 2002+/-

see additional photos below

PROPERTY FEATURES

Fireplace	Hardwood floor	Tile floor
Family room	Dining room	Breakfast nook
Dishwasher	Refrigerator	Stove/Oven
Microwave	Granite countertop	Stainless steel appliances
Washer	Dryer	Laundry area - inside
Yard

COMMUNITY FEATURES

Lake

OTHER SPECIAL FEATURES

Lawn to Water - 328' Waterfront - 1.17 Acres - 2 Log Cabins

ADDITIONAL PHOTOS

Contact info:

Pam Jank

Coldwell Banker Schneidmiller Realty

(208)661-2282

web:www.SellingNorthIdaho.com

Equal Opportunity Housing

Posted: Sep 16, 2008, 2:59am PDT

Pam Jank, Realtor, GRI, CRS, ABR, RRS, PPS
Your North Idaho Real Estate Pro
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Another Great Day on the Lake in North Idaho - Hayden Lake, Idaho

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 03 Aug 2009 00:14:54 -0500

It was a another great day on the Lake in Hayden Lake, Idaho. We picked up the Lawrence's at their dock and cruised around the lake visiting our lake neighbors enjoying their docks, beaches and water toys. Afterword we enjoyed a fabulous dinner of Rib-eye Steaks and fine wine on our deck.

Ahhh, living here is like being on vacation!

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank, Realtor, ABR, GRI, CRS, RSPS, PPS
Previews Property Specialist
Your North Idaho Real Estate Pro
Web: Coeur d'Alene Idaho Homes for Sale
email to:pamjank@hotmail.com
Phone: 208-661-2282
Fax: 208-772-628 Toll Free: 800-829-2555 EXT.1275
COLDWELL BANKER SCHNEIDMILLER REALTY
435 W. Hanley Avenue
Coeur d'Alene, ID 838315

Pam Jank

Tee'd off at Wedding - Hayden Lake, Avondale on Hayden, Idaho

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 31 Jul 2009 22:13:23 -0500

I'm sitting on my deck working at my computer while watching a lovely wedding take place on the 18th tee box of the Avondale Golf Club. When to my surprise...........

As the ceremony ended each Groomsmen, all dressed in Black Tux, took turns Teeing off over the Waterfall and Pond of 18. There was alot of cheering going on, however I couldn't tell if the all made it over the water. It sounded like the Groom did! What a fun idea.

During the ceremony this young deer strolled over to the creek on 11 to have a drink. It wasn't in the least bit bothered by the Wedding Ceremony going on less than 100 feet away.

It's days like this that remind me just how fortunate we are to live in one of the most beautiful places on earth!! North Idaho, Hayden Lake, Coeur d'Alene... Truly God's footprint!

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Yes, someone in Idaho / Washington IS doing Land Loans...

Pam Jank (Coldwell Banker Schneidmiller Realty) — Fri, 31 Jul 2009 16:12:02 -0500

For all of you that have been looking for someone to do loans on your vacant land listings and even your parcels OVER 10 acres...

I found an Lender that is doing Land Loans right now. (must have water) Land loans at decent rates and loan to value. They are also doing properties OVER 10 acres.

Northwest Farm Services - Rhonda Baglien 509.340.5622 - or - 800.473.8998 - rhonda.baglien@farm-credit.com

I also found a few others but they don't do OVER 10 acres and want 30-35% down.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

Ford Ironman Coeur d'Alene 2009- Another wild ride in the Great Northwest!

Pam Jank (Coldwell Banker Schneidmiller Realty) — Mon, 22 Jun 2009 02:41:11 -0500

Ford Ironman Coeur d'Alene - 2009

More than 2,000 athletes participated in the 7th Ford Ironman Coeur d'Alene. They hit the water Sunday morning, June 21, 2009, It may be summer but the weather didn't know it. The race started with temperatures in the 40s and wind picked up speed as the swimmers slogged through 2.4 miles of choppy water.

For Ironman athletes to receive an official time, they have to complete both the swim and bike leg of the race before those courses close. Athletes have until midnight to cross the finish line.

Friday, before the race, a couple of gal friends and I biked a 20 mile portion of the race. It was a cool and wet drizzle of a day but a gorgeous ride! Our 20 mile trec was about all our untrained bods could handle. It certainly gave us a whole new respect for what these athletes do.

Here are a few photos of the Bike Route, Ironman Tent City and set-up.

Please contact me with any of your Real Estate / Relocation / Referral needs:

Pam Jank

NORTH Idaho Real Estate Pro

Help! An unmarked Vehicle with Flashing Light is trying to pull me over......

Just announced! Senate Panel Compromises on Tax Credit and Expands Eligibility, Income Limits

President signed - Tax Credit extension - 1st time homebuyer & NOT 1st Time homebuyer...

Additional Tax Incentives - Tax Credits for 2010

UPDATE -House Approved, Senate May Pass Homebuyer Tax Credit Extension Today

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000. -------------- House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

Clocks FALL BACKWARD November 1st @ 2:00 A.M

Daylight Savings Time is November 1st at 2:00 A.M.

FHA Rate Updates for: Oct. 21, 2009

House Extends Tax Credit for 1-more Year ..........

$159,900 - 1/3 acre - Hayden Lake CC Golf Course View Lots for Sale - Also approved for individual ownership Townhouses/Duplexes

$295,000 Waterfront Lot for Sale - Hayden Lake Idaho - Foreclosure Price!

$295,000 Hayden Lake Waterfront Lot for Sale - Located at Yellowstone Point on Hayden Lake - 6544 E. Sunset Beach Road - Hayden Lake, ID 83835 - Distress Sale, Foreclosure, Bank Owned price! Nothing can beat this on the lake!

6544 E Sunset Beach Rd - Hayden Lake, Idaho - www.SunsetBeach.CanBYours.com

Offered at: $295,000See Website: www.SunsetBeach.CanBYours.com

P r o p e r t y I n f o r m a t i o n

Property Description

Features List

A g e n t I n f o r m a t i o n

Lawn to Water - 328' Waterfront - 1.17 Acres - 2 Log Cabin Retreats - Historic Hope Peninsula - Lake Pend Oreille

Another Great Day on the Lake in North Idaho - Hayden Lake, Idaho

Please contact me with any of your Real Estate / Relocation / Referral needs:

Tee'd off at Wedding - Hayden Lake, Avondale on Hayden, Idaho

Yes, someone in Idaho / Washington IS doing Land Loans...

Ford Ironman Coeur d'Alene 2009- Another wild ride in the Great Northwest!

Ford Ironman Coeur d'Alene - 2009

NOTICE: Today, November 6th, President Obama signed the Extension, expanded the Eligibilty requirements, Income limits and included NON first time Homebuyers up to $800,000.

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House Approved on Tuesday Nov 3rd and Senate May Pass Homebuyer Tax Credit Extension Today (Update2)

Offered at: $295,000

See Website: www.SunsetBeach.CanBYours.com