Knowing When Your Ready To Buy

 

All across the United States, there are millions of people looking to a buy home – either now or in the future. Over the last few years, lower interest rates have come along, making it more affordable than ever to buy a home. When most people stop and give it some thought – buying a home makes a lot more sense than renting a home or an apartment.

In order to buy a house, you’ll need to start saving your money and have enough for the closing costs and a down payment. Your down payment will normally need to be around 15% of the price or the value of the property – whichever is lower. To be on the safe side, you should always try to have 20% to put down. If you aren’t able to put 20% down, you’ll need to buy some private mortgage insurance, which will cost you more in terms of your monthly payment.kitchen_sink_2

In most cases, the closing costs will run you around 5% of the property price. Before you purchase the home, you should always get an estimate. An estimate won’t be the exact price, although it will be really close. You should always plan to save up a bit more money than you need, just to be on the safe side. It’s always best to have more than enough than not enough.

You’ll know your ready to buy a home when you know exactly how much you can afford, and you’re willing to stick with your plan. When you buy a home and get your monthly mortgage payment, it shouldn’t be any more than 25% of your total monthly income. Although there are lenders out there who will say that you can afford to pay more, you should never let them talk you into doing so – but stick to your budget instead.

Keep in mind that there is always more money involved with a home other than the mortgage payment. You also have to pay for utilities, homeowners insurance, property taxes, and maintenance. Owning and caring for a home requires a lot of responsibility. If you’ve never owned a home before, it can take a bit of time to get used to.

Large master bath with arched bathtub areaBefore you fill out any applications, you should always look over your credit report and check for any errors. Although you may think you don’t, you can easily get an error on your credit report and not even realize it. If you have an error on your credit report, it can cost you a lot of money in interest rates. An error will decrease your credit score, which will put you in a higher interest bracket and ultimately cost you a lot more money in the end. Therefore, you should always know your credit before you approach a lender.

If you check your credit report early enough, you may leave yourself enough time to fix any problems and get your credit back on track. Rebuilding credit can take time though, sometimes even years. You should always plan ahead – and give yourself plenty of time to fix your credit.

Buying a home will require a bit of commitment on your behalf. You should always strive to get the best possible deals, which means knowing your credit and where you stand. This way, you can get the best interest rates. You don’t want to buy a home with bad credit, simply because you’ll pay a lot more money for the home. If you take the time to fix any credit problems and save up some money – you’ll be able to get a much better home for your money. It is a good idea to talk to an architect before your first home

 

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Things To Know Before Buying A Home

If you are taking the next step in life and purchasing a home, chances are that you are feeling the pressure and the anxiety that goes along with this difficult decision. Those who buy homes are very anxious, eager to get any information they can about real estate. Before you buy a home, it always helps to learn all that you can.

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The first thing you’ll need to do when buying a home is to find out just how much you can qualify for or afford to borrow. You should also make it a point to check your credit and know where you stand. If you have any problems, you should strive to correct them for you attempt to borrow money for a home. The higher credit rating you have, the lower your interest rates will be.

If you can, you should always attempt to get pre approved by a mortgage broker or lender, as this will show your commitment to the mortgage. Also make sure to look for any payment or prepayment options that can help you take a few years away from your mortgage. Once you have been pre approved for a mortgage and know where you stand with your monthly payments, you can start shopping for property.

The second  thing you’ll need to do when buying a home is to hire a professional . The best choice is an experienced architect or Home Inspection specialist

When you shop for a home, you should only buy real estate that is perfect for you. Before you start looking, you should always make a list of everything you want your home to have, based on what you want and what you actually need. You should also make sure that you mark out any areas that you are willing to come to a compromise on, just in case you have to.

To assist you with finding the perfect home, you should enlist the services of a reputable real estate agent. When you meet with your agent, you will go over how much you are willing to spend, and what type of home you are looking for. You’re agent will know where ideal properties are, and help you find the home that is best for you.

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New rebuild open staircase

Your agent will supply you with a list of potential properties that meet your budget and your features. Once you get the list, you should drive by the homes and check out both the home and the neighborhood. You should consider the appearance and location of the home, safety, access to the freeway, schools nearby, commute time to work, local shopping, and even recreational activities.

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One of the kitchen’s granite countertop

If you don’t find something that interests you the first time, you should keep looking until you find the home that is best for you. Your agent can help with tours of homes and such, even tell you information about neighborhoods that you aren’t familiar with. If you have chosen a good real estate agent, he will care about helping you find a home and go out of his way to ensure that you get exactly what you want.

To get the most from buying a home, you should always hire a real estate agent that you can trust. Your agent will go a long way in helping you buy a home, from finding properties to giving you pointers and tips along the way. Good real estate agents will care about your satisfaction, and will do all that they can to help you find the home of your dreams. You can always buy a home without a real estate agent, although it will take you longer and you won’t get the help and other amenities that a real estate agent will bring to the table.

cropped-logo2-redused.jpgCH +Architect & Builder apply advanced Design and Construction practices and progressive management techniques to meet the current and future demands of our customers. Our Customers are who are seeking Passive Home Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers. All services in design, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs. We continued growth and balance of small and large projects provides them with an expending portfolio of work. Call us today or visit www.charchitect.com for more information  

Tips For Selling Your Home

Tips For Selling Your Home

Unlike other things that you may own, you can never take selling your home lightly. A house is a big commodity, one that is worth a lot of money. Before you even think about selling your home, you should put a lot of thought and consideration into it. Although you may want to sell your home – you should make sure that you do it the right way.

0197173eed47b2d75e99804689e251a7d8a7efeb19The first thing you should do when you are thinking of selling your home is to hire yourself a qualified real estate agent who knows the neighborhood. An agent who knows your neighborhood will known the ideal price for your home, and help you sell it at the ideal price. If your home is priced right for the neighborhood, chances are it will sell. If it is priced too high, you might not get any offers or anyone interested in buying the home.01fe98b996709faccf5cf18fdb2544c54fc75f88a5

Once you have a real estate agent, you and your agent will need to develop a strategy. You’ll need to decide on the price and how long you will leave it on the market before you think about a reduction. You’ll also need to discuss his commission as well, which will help to avoid any misunderstandings in the future. If you talk about these types of things when you first start out selling your home, you’ll find the entire process to go much smoother.

In some cases, you may run out of time before you are able to sell your home. In this situation, you may want to rent out your home. When you rent out your home, you may also be able to strike a deal with renters that your home is available for showing. To make the house accessible to potential buyers, you may want to offer your renters a lower price. This way, they will be more inclined to make the house available for potential buyers.

Keep in mind that selling your home will take you some time. You can also sell it yourself if you prefer, without a real estate agent. This can save you quite a bit of money as well, as you won’t have to pay a real estate agent. If you are planning to go this route, you should make sure that you know the value of your home and you know the neighborhood. You can put a “for sale by owner” sign in the yard, and list your home in local newspapers, and on the Internet as well. This way, you’ll get your home out to the market of potential buyers. Homes that are for sale by the owner are always great for buyers – as they can deal with the owner directly and not have to worry about dealing with any real estate agents.

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What To Do When Your Home Isn’t Selling

What To Do When Your Home Isn’t Selling

When you sell your home, the process is almost like going to a job interview. Selling a home involves presentation, which is one of the key factors that determine the outcome. Although this may sound a bit weird, presentation is a way of life in the world of real estate. Buyers in today’s market look for good presentation – many basing their final decisions on it.

If the property you are selling comes with a garage, you’ll need to go through your garage before you sell your home. Chances are that you store things in your garage, which can easily pile up over time before you realize it. If your garage is in a messy condition, you’ll obviously want to clean it up. Buyers look for homes that are in perfect condition, and anything less than perfect will look bad in the eyes of the buyer.the architect is looking at the house

Most homes have some truly outstanding features inside of them. You should always do your best to highlight the best features of your home, instead of just hoping that the buyer understands what they are. The ideal way to bring out the best features of your home is to use the proper lighting. If your home is clean, you can use lighting to bring out the best features in your home, and ensure that they stand out to the buyer.

When a potential buyer first pulls up to your home; the first thing he will see is your lawn. If your lawn is trimmed and well taken care of, he will get a good impression right off the bat. If your lawn is a wreck, he may immediately pull away. To give the best impression to the buyer, you should put some thought into how things look. You can always plant flowers around the walkway and throughout the yard, which will look great to a potential buyer.

Corridor with stairsYou should also make sure that the entrance into your home is a positive as well. The front door should be in great shape, as well as the entry area into the home. You can add some plants, paintings, and rugs to ensure that your buyer gets a good impression. When the buyer walks through the entry way into your home, you should make sure that the view he or she takes in is a good on. Your biggest goal when showing your home is to ensure that the buyer is pleased.

Keep in mind that it may take some time to sell your home. These days, homes can sit on the market for months at a time before they actually sell. If you are having trouble selling your home, you can always reduce the price or simply go back to the basics. Eventually you will sell your home – although it may take more time than you think.

 

CH +Architect & Builder apply advanced Design and Construction practices and progressive management techniques to meet the current and future demands of our customers. Our Customers are who are seeking Passive Home Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers. All services in design, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs. We continued growth and balance of small and large projects provides them with an expending portfolio of work. Call us today or visit www.charchitect.com for more information 

 

Why You Should Take a Kitchen Remodeling Class

Why You Should Take a Kitchen Remodeling Class or hire an architect.

Are you a homeowner who is interested in remodeling your kitchen? Whether you are just looking to change the appearance of your home or increase the value of it, there may be a good chance that you are. If so, do you plan on doing your own remodeling? Although it can be somewhat difficult, a large number of homeowners make the decision to do their own kitchen remodeling, even if they do not have any home improvement experience. Although it is possible to remodel your own kitchen, without any prior home improvement experience, you may, at least, want get some training. You can do this with a kitchen remodeling class, course, or training seminar.Custom Kitchen 3d model kitchen in the house

When it comes to kitchen remodeling courses, one of the most commonly asked questions is why. The answer is the training that you will receive. Depending on the type of kitchen remodeling course, class, or seminar that you attend, you will likely get both classroom experience and hands on experience. Hands on experience means that you may not only get to watch a kitchen remodeling project being done, such as a new cabinet installation, but you may also get to try your hand at it. The overall quality of your kitchen remodeling project may have an impact on your home’s value; that is why it is a good idea to get all of the training and experience that you can.

If you are looking for a kitchen remodeling course, you may want to try the internet or your local newspaper or call your architect. In Chicago metro area, there are a number of career training centers that host classes and training seminars. Although the goal of these courses is to prepare students for a career in kitchen remodeling, you may still be able to learn about kitchen remodeling, particularly what you should or shouldn’t do. In fact, you may also find that you like remodeling things so much that you may even want to change your career path. The only problem with taking a kitchen remodeling class or hire a professional that has a focus on career training is the cost. The cost of these courses will all vary, but they will, almost always, cost money. The cost typically averages about fifty or hundred dollars per person.

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kitchen sink, kitchen renovation , new addition and renovation bath tub, house design,

If you are looking for a low-cost way to attend a kitchen remodeling seminar, you may want to contact one of your local home improvement stores or architect. Many of the home improvement stores that operate on a national level offer training classes for their customers. Many times, these classes only last a few hours, but the information that you can walk away with may be invaluable. It is also important to note that the kitchen remodeling courses offered by most home improvement stores are more affordable; in fact, many are even free to attend. The only problem that you may find with these classes is that they tend to focus on only one project, such as new counter top installations. If you are looking to remodel your whole kitchen, you may need to attend more than one class or hire an architect with long experience in design and construction.

As previously mentioned, a kitchen remodeling training seminar, class, or course, may help you understand what you should and shouldn’t do when remodeling your kitchen. For instance, you may learn that you shouldn’t take shortcuts when remodeling your kitchen. You may also learn tips on how to do something quickly, but effectively, such as installing your new kitchen cabinets. It is likely that safety will be touched on as well. A kitchen remodeling training course, class or seminar, may help you understand the importance of safety, as well as provide you with valuable tips on how to stay safe. Regardless of what you learn, you will likely walk away more informed.

Although it is advised that you take a kitchen remodeling training seminar, course, or class, especially if you do not have any previous home improvement experience, you may not want to. If that is the case, it is advised that you at least follow all of the directions or instructions that you are given, if you were given any at all.man at work

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CH +Architect & Builder apply advanced Design and Construction practices and progressive management techniques to meet the current and future demands of our customers. Our Customers are who are seeking Passive Home Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers. All services in design, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs. We continued growth and balance of small and large projects provides them with an expending portfolio of work. Call us today or visit www.charchitect.com for more information 

Why You Should Remodel Your Kitchen

Why You Should Remodel Your Kitchen

Are you a homeowner? If so, have you ever thought about remodeling your kitchen before? While a fairly large number of homeowners think about remodeling their kitchen, not everyone makes the decision to do so. There are a number of reasons why a homeowner wishes to remodel their kitchen, but later decides not to. One of those reasons is the uncertainty. It is not uncommon for you and other homeowners to be wondering whether or not you really need to have your kitchen remodeled. While there is always a chance that you may not, there is also a chance that a kitchen remodeling project is just what you, your home, and your kitchen needs.Blueprint

One of the most obvious reasons why you should remodel your kitchen is if you want to. While a large number of individuals wonder whether or not they should, the uncertainty most commonly has to do with spending the extra money. If you have the extra money and you want to remodel your kitchen, you should. If you are interested in remodeling your kitchen, there is a good chance that you may be unhappy with your current kitchen. Since your home, particularly your kitchen, is something that you spend the majority of your time in, you will want to make sure that it is warm, welcoming, and inviting. If your current kitchen scheme makes you feel uncomfortable or if you just want to change it, go right ahead, you could benefit from doing so, a number of different ways.

In addition to knowing for sure that a kitchen remodeling project is what is needed, there are other homeowners who want a change, but don’t necessarily know what that change should be. When this feeling is present, many homeowners automatically assume that they should purchase a new home, because they are no longer satisfied with the one that they live in. If you want to purchase a new home, go right ahead, the decision is yours to make. However, before you start searching for a new home, one that actually peaks your interest, you may want to think about changing your home around a little bit. By remodeling your home, you could easily spice up your home or even make it feel like something new. As an experiment to see how to goes, you may want to first try remodeling your kitchen.

Another fairly oblivious reason, why it may be a good idea to remodel your kitchen, is if your kitchen needs repairs. Although it is possible to fix a broken cupboard or replace a few kitchen floor tiles, you may want to do more than that. The perfect time to remodel your kitchen is when you have work in your kitchen that you need to do anyways. Even if you do not decide to remodel your whole kitchen, you can focus on a particular part of it, such as your countertops or floor, if you wish. If your kitchen has missing floor tiles or broken cupboards, you are still advised to do those repairs, especially if they may be putting you or your family in danger, safety wise.

kitchen architect remodel

If all of the above mentioned reasons weren’t enough, there is one more reason why you should remodel your kitchen. That reason is one that could bring you money, sometime in the future. One of the greatest reasons why you should remodel your kitchen is because it is likely to increase the overall value of your home. Any time that a home is remodeled, as long as the remodeling job was successful, the home’s value increases. This means that if you make the decision to sell your home in the future, you could easily get more money for your home than you paid for it. Depending on how long it has been since your repairs were done and how they were paid for, you could easily get a full return on your investment, which was your decision to remodel your kitchen.

As you can easily see, there are a number of different reasons why you should want to or at least want consider remodeling your kitchen. Of course, the decision is yours to make, but it is a good idea to keep the above mentioned points in mind.

Tips For Buying Your First Home

Tips For Buying Your First Home

For a first time home buyer, the process can get quite overwhelming, giving you the feeling that the financial decisions are rapidly spinning out of control. When it comes to real estate, most people don’t have a lot of experience or know a lot about it. In all actuality, buying a home is actually a simple process. All you need to do is understand the basics, which will go a long way in helping you buy your very first home

The first thing you should know is to avoid pre payment penalties at all costs. What this means, is that if you buy the home then later want to sell it before the balance of your mortgage is due, you’ll have to pay a penalty. You can find a variety of great loans that don’t include these types of penalties. If you find a loan that does include pre payment penalties, you should immediately turn it down and look for another loan.freundliche junge frau im büro

You should also be on the lookout for good ARM’s. If you have a good ARM, then your interest rate and monthly payment will adjust at the exact same time. This will make sure that your interest doesn’t affect your monthly payment. If your interest rate does affect your payment, then you will notice the unpaid interest reflecting the overall amount of your loan balance.

You’ll also want to get pre approved for your house as well. This lets the seller know that you are serious about buying, and will normally work in your favor to give an edge – which is especially handy if there are several others interested in purchasing the home. Getting pre approved will also save you a lot of time as well. If you can’t get approved for a loan, you shouldn’t waste your time inspecting it, trying to get a good interest rate, or negotiating with the seller for your ideal price.

Before you purchase a home, you should always be aware of how much you can afford. Before you attempt to purchase a home, you should always go over your budget and figure out how much money you can spend on a mortgage payment. If you manage your money smart and know your finances, this shouldn’t take you hardly any time at all. On the other hand, if you don’t know your finances, this will take you a long time indeed.住宅設計イメージ

If you’ve already purchase your first home, you should always avoid taking any type of home equity loan. These loans can be very tempting when you get in an emergency and need cash, although most home equity loans add up to more than the value of your home. You should never, under any circumstances take a home equity loan, as there are many other ways that you can clear up your personal problems without having to jeopardize your home.

Keep in mind that the above are just a few basic tips and that there are many other things you’ll need to know before you buy your very first house. You’ll need to be familiar with private mortgage insurance, special loan programs, fixed rate and adjustable rate mortgage, and several other things. Buying a home is an easy process, once you know a bit about it. If you familiarize yourself with buying a home and learn all that you can about what is involved, you’ll find the home buying process to be easier than you ever thought possible.
For a first time home buyer, the process can get quite overwhelming, giving you the feeling that the financial decisions are rapidly spinning out of control. When it comes to real estate, most people don’t have a lot of experience or know a lot about it. In all actuality, buying a home is actually a simple process. All you need to do is understand the basics, which will go a long way in helping you buy your very first home.

CH +Architect & Builder apply advanced Design and Construction practices and progressive management techniques to meet the current and future demands of our customers. Our Customers are who are seeking Passive Home Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers. All services in design, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs. We continued growth and balance of small and large projects provides them with an expending portfolio of work. Call us today or visit www.charchitect.com for more information

 

Buying Unfinished Homes

Buying Unfinished Auction Homes

Unfinished  homes present a great way to save a lot of money and get yourself a new home in the process. If you buy an  unfinished home, you can keep your monthly mortgage payment low and also lower your initial investment. You may also be able to buy a larger foundation size as well, which you can easily add on to and save money in the process.

Normally, unfinished starter homes leave the upstairs and basement area unfinished. The question here, is just how much equity you want to put into an unfinished area. Sometimes though, an unfinished home may leave the roofing, framing, plumbing, or electrical aspects unfinished. Before you make a purchase, you should always decide how much money you have to finish what needs to be finished.

If the home you are looking at has plans for a garage, you can save thousands if you decide not to go with the garage. On the other hand, if there is another attached room that is planned to go onto the house, you can save just as much if you decide to forget it. There are always ways that you can save money just by looking at the plans. Unfinished homes may have other planned on additions as well, in which you can save a lot of money just by leaving them out.

Plan mit PinselThe is something that you should always keep in mind. When builders acquire a piece of property that they plan to build a home on, they will do everything they can do make as much money as possible on their homes. You might be able to get them to agree to some of these ideas, although they probably won’t agree to all of them. Building homes can be a very profitable business – which is why most contractors like to build their homes exactly as the plans call for.

When looking at unfinished homes, you also need to look at what banks are willing to accept. If you are planning to get a mortgage, most banks will need to ensure that the home is up to local codes and in living condition. What this means, is that there will need to be a living room, bedroom, and other rooms finished.Oak park, Chicago If the home is lacking quite a bit in terms of being unfinished, most banks won’t give you a mortgage.

Most banks are also known to turn down unfinished home mortgages that they feel will have trouble selling in the event that you default. Normally, the entire downstairs area will need to be finished, along with most of the landscaping. You might be able to do some of it yourself and save money, although in most cases the home builder will need to do a majority of the topsoil and grass just to satisfy the bank. Banks have strict requirements when it comes to unfinished homes, which is why you should always check with your bank before you invest in an unfinished home.As most of us already know, buying an unfinished home provides an excellent way to get into the housing market and get your very own home. Unfinished homes also allow potential buyers the chance to grow into their home along with their family. If you are interested in saving money, you should be sure to talk to the builder. This way, you can go over the plans and decide what doesn’t need to be there. In most cases you can save a lot of money and still get a home that will provide years and years of memories for yourself and your entire family.

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CH +Architect & Builder apply advanced Design and Construction practices and progressive management techniques to meet the current and future demands of our customers. Our Customers are who are seeking Passive Home Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers. All services in design, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs. We continued growth and balance of small and large projects provides them with an expending portfolio of work. Call us today or visit www.charchitect.com for more information 

Rain and snow in your yard landscaping

Rain and snow in your yard landscaping Rain and snow are going to play a huge part in your yard landscaping decisions. For example you will have to plan for your yard landscaping with care. You should go to the library and take out some books on the subject. These yard landscaping books will help you to learn all of the most important points of yard landscaping so that you do not ruin your yard for good.

Your yard landscaping needs to be done with close attention being paid to rain and snow as well as proper drainage. If you find that your yard gets too muddy in the winter or you have large puddles all over then you most likely do not have the right kind of drainage going on. This is something that you may want to consider getting a professional in to take care of. If you still want to do the rest of your yard landscaping yourself then this is fine but some things are better left to the professionals.Cute young girl standing on her small bikewall7

You need to have your yard landscaping done in such a way that the rain when it falls, will actually water your plants. You will be able to use all of the water that falls into your yard to feed the plants and the trees if you set up your yard landscaping the right way. Knowing the general rainfall levels and times of the year you will then be able to make up the water levels when they drop with other watering. This is important during times like summer when it gets hot and there is not much rain. Snow is another thing that is very important to your yard. Snow is just as vital to your entire yard landscaping project as rain is. Snow not only waters your yard as it melts but the snow, although cold, can actually help to keep your soil warmer.

This will allow any plants that are sleeping under the snow to stay healthy and alive. Your bulbs will pop up in the spring in perfect form and color making your yard landscaping all the more beautiful When it rains you need to see just how the rain is transferred all over your yard. This is very important to the entire yard landscaping that you are planning to do. This is simple to do, all you need to do is take a walk around your yard the next time it starts to rain. Watch for where the rain puddles and where it drains to and you are well on your way to perfect yard landscaping. This kind of work is the easy part of the job and is the best way to start. Then you will know what needs to be done to get the right kind of drainage going with you yard landscaping.

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 Our Customers are who are seeking Sustainable Design, Construction, Renovation, Rebuild and Project Management as an integral part of their overall success. In essence, we provide quality results in Green Design and Commercial Development for our Customers.

All services in schematic design development, construction documentation, and construction documentation with full project execution are provided. The firm is committed to maintaining an inspired and creative people that meets our clients’ needs.

We continued growth and balance of small and large projects provides them with an expending portfolio of work.

 

 

Twelve Contemporary (Shopping) Days of Christmas

Twelve Contemporary (Shopping) Days of Christmas
Nov. 24 – Black Friday – the day after Thanksgiving, you have time off from work and it’s the official start of the Christmas season
and of Christmas shopping. Stores are open 3-4 hours earlier and they close later. Holiday sales begin, it’s the first time that some
items will be available…. but definitely won’t be among the crazies up at 4am to get to the top of the line to make some wild dash for
the $99 flat-screen television or the Crazy Elmo toy. (Black Friday is the second single biggest shopping day for retailers and got its
name because in the days of old so much shopping was done on this day that it would turn the tide for many stores and put them in the
black, or, make them profitable.)
Dec. 2 – First Saturday in December – weekends are important because it means free time to shop. The early holiday and Christmas
shopper should be more than halfway through shopping list. Average shoppers are just starting to browse.
Dec. 3 – First Sunday – weekend Christmas shopping can be done but stores close the usual earlier time on Sundays.
Dec. 7 – Pearl Harbor Day – it isn’t recognized by most but is very important to war veterans. The President usually gives a speech to
a Veterans group and lays a wreath in honor of those who died on Pearl Harbor Day and in World War II.
Dec. 9 – Second Saturday – only two full weeks to go before Christmas. Where did the time go and where did the year go? To your
disguised annoyance, you are starting to hear the ubiquitous phrase, ‘Finished all your Christmas shopping yet?’ Christmas shopping
has to pick up speed or panic will set in. You are running out of time to enjoy some quality Christmas entertainment with your family.
Dec. 10 – Second Sunday – go to church if you haven’t been attending so that you won’t look like a ‘Christmas only attendee.’ Need
to squeeze in some shopping and must start sending out Christmas greeting cards this week.
Dec. 16 – Third Saturday, First Day of Hanukkah – it’s unbelievable that there’s only one full week to go before Christmas. Make
supermarket shopping list for Christmas Eve and Christmas dinner preparations.
Dec. 17 – Third Sunday – exactly one week before Christmas. Make sure Christmas toys and presents in hiding are still undiscovered.
Make final plans for family dinner on Christmas Day.
Dec. 21 – oh dear me!!! Only three days to go before Christmas. Do last minute planning, get as many chores as possible out of the
way, finish all Christmas and supermarket shopping. Assign final preparatory tasks to family members as necessary. Go over plans for
Christmas Dinner.
Dec. 22 – First Day of Winter – My goodness!! you still have shopping to do!!? You dread going to the mall this weekend. Pray for a
miracle to find one of those needle in a haystack salesperson who will hold hand and get you 95% through your Christmas shopping
list.
Dec. 23 – Last Saturday before Christmas – Now The Single Biggest Shopping Day of the Year!!!! The mall is absolutely crazy and
there are no sales people anywhere. It’s a zoo everywhere – on the roads, in the supermarket, even at the gas station people are
honking, hollering at the gas attendant to pump faster! But you know what … stopped at my favorite pastry store and was in and out in
a nanosecond… there was no line!!
Dec. 24 – Christmas Eve – downtown is glorious, everything is so splendid and magical…. will go to Midnight Mass…. Christmas is
the Most Wonderful Time of the Year!!!!