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Wednesday, 27 May 2009
Friday, August 7
6:00 - 9:00 PM
Central Park, Warsaw
The entire family will enjoy festive carnival games, the inflatable giant slide, moonwalks, a magician, roving entertainers, a clown, face painting from Possum Ranch, a caricature artist and stage performances! Game tickets are $0.25 each, but entertainment is free. Punch cards sold in $5 increments in advance at the Boggs Recreation Building beginning August 3rd -- sorry, no refunds.
Wednesday, 27 May 2009
Perhaps no single decision in a real estate purchase has more possible variables than "How much money should I put down?" Conventional wisdom centers on either putting down as much as you can or as little as the lender allows.
If you provide a large down payment, you get some leverage with the lender: little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
The advantages of a low down payment are not insignificant. You will have more tax-deductible interest, and your investment value percentage will increase faster. Contrary to the effects of a large down payment, you will have little equity at the outset, and your payments (and perhaps your interest) will be higher. You will also keep more of your own money in hand for future repairs, improvements, or to potentially earn more interest in other investments.
We will be happy to help you in your search for a reputable lender or mortgage broker. Local lenders in Warsaw, Syracuse, North Webster and Milford are happy to work with buyers during this time of extremely low interest rates.
Friday, 22 May 2009
Saturdays, June 6, July 18 & August 15
Dusk - approximately 9:00 PM
The Glover Pavilion, Central Park, Warsaw
FREE!
Back by popular demand outdoors! Bring your lawn chairs and blankets for a wholesome evening in Central Park!
- June 6: Journey to the Center of the Earth 3-D, Rated PG
- July 18: Kung Fu Panda, Rated PG
- Aug 15: High School Musical 3, Rated G
Friday, 22 May 2009
Saturday, June 6
7:30 AM
Center Lake at Municipal Park, Warsaw
FREE
To celebrate National Fishing Week, a fishing derby will be held at Center Lake for kids! Prizes awarded for the biggest fish and more. First 100 kids will receive a FREE fishing kit (does NOT include a fishing pole)! Register in advance at the Boggs Recreation Building or additional registration will be taken at the event. Advance registrations receive priority for fishing kits. DON’T FORGET to bring your fishing pole, bait and a container to keep your fish!
Youth will be granted prizes according to the following age groups:
4 years old & younger
5 to 8 years old
9 to 12 years old
13 to 16 years old
In order to participate at park department programs, a registration form must be completed per household. One form may be used to sign up for multiple programs. Thank you!
Click on the link for the registration form needed.
http://02adf28.netsolhost.com/DotNetNuke/Portals/0/ParksDepartment/Program%20Registration%20Form.pdf
Friday, 22 May 2009
The recently enacted first-time home buyer tax credit has been made retroactive to January 1, 2009. The repayment feature has been eliminated for 2009 purchasers and the credit amount has increased to $8000.
Here are some basic rules of the credit:
- It is available to first-time home buyers only, but that means people who have not owned a home in the past three years. The home must be the principal residence and there is a recapture provision if one moves out or sells before three years.
- It is limited by income and starts to phase out for individuals at $75,000 and couples filing jointly at $150,000. Consult your tax professional for more details.
- It expires on November 30, 2009. For existing home buyers, you must close by that date; for new construction buyers, you must occupy by that date.
- It is not available directly at the closing table.
- A new home buyer does not need to wait until 2010 to claim the credit. It may be claimed on their 2008 taxes by filing an amended return after they close on their home. The credit is 10% of the price of the home or $8000, whichever is less. If more than one eligible person is making the purchase, the credit must be divided. In other words, it is up to $8000 per home purchased, not first-time home buyer.
- There aren’t any restrictions on the type of home, even houseboats are included; however, one cannot purchase a home from a close relative.
Home buyers should consult with their tax professionals to ensure eligibility for the credit and the proper way to claim it.
Wednesday, 06 May 2009
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Come be a part of the Cruisin' Cuse Car Show, The Biggest Little Show in Indiana. As always, the McDonalds Cruise-In is the night before on Friday, May 15th from 5 pm to 9 pm. Or come for the big 21st Annual Show on Saturday May 16th at the Syracuse Community Center. Registration is from 8 am to 11:30 am, awards are from 2:30 pm to 3:00 pm, and the cruise around Syracuse Lake begins at 3:15 pm.
More than 30 judged classes will be held Saturday, as well as 50/50 drawings and silent auctions. Pre-registration is $10 for judged classes and $5 for non-judged cars. Late registration after May 9th is $15 for judged classes and $8 for non-judged classes. T-shirts and sweatshirts are also available for sale with your registration.
For more information or to register go to www.wawaseekiwanis.org or call Robert Vandal at 574-457-2401. Be there or be square!
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Wednesday, 06 May 2009
Through this program, the Street Department places a truck on your property for an entire weekend. We drop off either a 1/2-Ton or a 1-Ton dump truck on a Friday afternoon and then pick it up the following Monday morning. The homeowner can use this service for a number of reasons: however, some restrictions do apply. Please note: This service is not provided for contractors or rental properties, but must be homeowner occupied residences.
This program is offered from Memorial Weekend through Labor Day Weekend. If you are interested in scheduling a Dial-A-Truck for a weekend, call the office (372-9561) during the week prior to the weekend you are wanting a truck. Sorry, no "early" reservations accepted.
Wednesday, 06 May 2009
Every real estate transaction requires negotiation. Many factors are written into a home purchase contract, such as price, terms, dates for the home inspection, appraisal and closing, moving dates and what personal property will be included or excluded from the sale. In coming to terms on these issues, the needs of the parties involved are likely to conflict at some point. The key to a satisfactory resolution is the willingness to compromise.
The foundation of a “win-win” negotiation is that no one expects to triumph absolutely at the expense of the other participants. If everyone assumes that some concessions will be made at the bargaining table, a resolution is easier to achieve. Both buyer and seller must also be clear about their priorities – which points of the contract they will remain firm on, and where they feel they can be flexible.
In an atmosphere of mutual trust, where each party is really willing to listen and take the other’s needs into account, negotiations are most successful.
Working with real estate agents who are skilled negotiators will be of great benefit to both buyer and seller. In our local markets of Syracuse and Lake Wawasee we are not seeing ‘fire sale’ tactics for successful sales. Our local markets are still steady in value, including the Warsaw area also, making Kosciusko County a good place to call home, or consider increasing your investment portfolio. Professionals at The Integrity Group can give you the latest up to date reports on our residential markets, and lake properties or commercial opportunities.
Friday, 01 May 2009
Many opportunities to catch bluegills, largemouth bass, and yellow perch, as well as well as one of the largest northern pike populations in the state, await anglers in Lake Wawasee, Indiana's largest natural lake.
The Department of Natural Resources Division of Fish and Wildlife (DFW) surveyed the lake last June and July. Sampling included 5½ hours of electro-fishing along the shore with a boat-mounted electrical generator that temporarily stuns fish. In addition, 18 gill nets and 15 trap nets were set at various locations throughout the lake.
Biologists caught 2,278 fish during the survey, 47 percent of which were bluegills. They also caught 269 largemouth bass and 186 perch.
Several bluegills were 8 inches long, some up to 9½ inches. Their growth rate is typical of northern Indiana natural lakes, with bluegills reaching 6 inches at age 4 and nearly 8 inches by age 6. Bluegills were captured during electrofishing at the rate of 140 per hour, a rate also typical of Indiana natural lakes.
Largemouth bass caught during the survey were 4 to 19½ inches long, including 35 that were legal size (14 inches or larger).
Most of the perch were 6 to 8 inches long, some up to 11 inches.
Eighty-six northern pike were caught during sampling in June. Another 22 pike were caught in July. The pike ranged from 14½ to 33½ inches long. Their combined weight made up 25 percent of the weight of all fish captured in the survey.
Based on comparisons to previous surveys dating back to 1975, biologists say the overall fish population in Lake Wawasee has been relatively stable, with the exception of the increase in white bass. Three white bass were captured in a 2004 survey; 18 were caught last summer.
"By most accounts, white bass were not native to Lake Wawasee," said Jed Pearson, a DFW biologist who has worked on the lake since 1975. "An old document from 1875 says white bass were present, but no records after that ever verified it."
Pearson said that white bass were probably stocked illegally sometime before 2004.
"If white bass continue to increase, they may eventually compete for food with other sport fish and could eventually affect the growth rate and size of other fish," he said, "That's why permits are required to stock fish in a public lake."
More information: Phil Bloom, director of communications, (317) 232-4003

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Amanda & Daniel Harstine
Century 21®
Integrity Real Estate Group
2510 E. Center St.
Warsaw, IN 46580
574.269.7878
1406 S Huntington Street
Syracuse, IN 46567
Office: 574.457.5018

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