I snapped these photos while driving on Christmas eve in Owensboro, Kentucky Well, I actually just clicked them through my front windshield, so they may not be the best quality.    The sky color was so unusual and I had to try to capture it rather quickly since cars were whizzing by so quickly! You would think they were in a hurry because Santa was coming..... You really had to be there to experience the unusual hues of purple, pink, blue and yellow skies!   Wishing you many sunny Skies in 2009! Vickie McCartney, Realtor~ Home Realty GMAC Real Estate~ Owensboro, Kentucky Owensboro, Kentucky Real Estate~ Search All Homes For Sale   12/30/2008

Overview The Big Picture Even the most astute commercial real estate investors are no doubt perplexed as to what strategies and tactics will best serve them in 2009...So, what makes 2009 different than any other year for real estate managers and investors? A recession, a capital and credit crisis, a new administration, an unfavorable public opinion of the real estate market, and perhaps what is the toughest competitive environment in decades. Will 2009 be a banner year for principals and sponsors or will it be a total bust? I suspect that for many who read this paper, that the poor economic outlook and the severe disruption in capital and credit markets might seem to indicate that it's a good time to stand pat until there is clear evidence that economic and financial markets have stabil... 12/26/2008

1.   Help each other be right... not wrong. 2.   Look for ways to make new ideas work...not for reasons they won't. 3.   If in doubt... check it out! Don't make negative assumptions about each other. 4.   Help each other win and take price in each other's victories. 5.   Speak positively about each other and your organization at every opportunity. 6.   Maintain a positive mental attitude no matter what the circumstances 7.   Act with initiative and courage as if it all depends on you. 8.   Do everything with enthusiasm...it's contagious! 9.   Whatever you want. . . give it away. 10.  Don't lose faith. . . never give up 11.  Have fun . . find your joy! 12/16/2008

Twas the night before Clsoing the loan's not approved. the sellers don't know it, they've already moved!   The ratios are high, the credit is slow, but off to the Underwiter the file did go!   The payoff's not here, the title is lost, now they've found termites ........ what's that going to cost?   When all of a sudden, he sat up in bed, and knew in a flash it was all in his head!   For Home Realty/GMAC found a mortgage and you know with that crew, no nightmares allowed...just dreams that come true!   Merry Christmas & Happy New Year   12/16/2008

It's almost Christmas It's almost Christmas and it's hard for me to concentrate on work.  I want to be out in the hustle and bustle of things.  I even brought hot cider and cookies to the office today so everyone would get in the Christmas spirit with me. I know if I can keep at it, the work will pay off come the first of the year. Everyone have a very Merry Christmas and a Happy New Year! 12/16/2008

When its cold outside I love to go home to this Taco Soup.  Give it a try.   1 lb ground beef (cooked and drained) 1 can Pinto Beans 1 can Whole Kernel Corn (NO Salt Added) 1 can Green Beans (No Salt Added) 1 can Diced Tomatoes 1 can Ranch Beans 1 can Rotel Diced Tomatoes w/green chiles (Mild) 1 pkg El Paso Taco Seasoning (Mild) 1 Pkg Hidden Valley Ranch 1 cup Water Rinse and drain-Pinto Beans, Corn & Green Beans Add all ingredients together.  I coo for a couple of hours, but it can be served immediately after making. I think it adds more flavor to cook some.  Serve with sour cream and Tostito Chips. ENJOY!! Connie Lou Barnett GRI,CRS,CRB,SRMM,ARA,PRS,QSC Home Realty/GMAC Real Estate 12/16/2008

Written by Randy Lanham, performed by Emily Jane Clark, and filmed in Owensboro, KY This is such awesome video written by Randy Lanham, performed by Emily Clark, and filmed in Owensboro, Kentucky!! They did a great job with it! View it and you can see a few of the highlights of our great town! Vickie McCartney, Realtor ~ Home Realty GMAC Real Estate~ Owensboro, Kentucky 12/08/2008

This is NOW!  I just can't can't help myself.  I am just a proud grand-mom and have got to share this beautiful christening picture of my Baby Boy!  For those of you that remember, I posted a baby photo of him when he was first born the end of April. I am going to post it again just to show the reality of how quickly time flies and how quickly our little ones grow up.  Is there any way I can keep this grandson little?   He is getting so big, so quickly.......Below is the photo I posted when he was first born.  Just look at the difference already!  Are there any other proud grand-moms (or grand-pa's) out there?     Vickie McCartney, Realtor~ Home Realty GMAC~Owensboro, Kentucky   11/29/2008

What does the Kentucky Real Estate Commission say about...     WHAT YOU NEED TO KNOW ABOUT BUYING AND SELLING A HOME This brochure will outline laws and issues that affect consumers in their purchase and sale of real property.     Real Estate Settlement Procedures Act ("RESPA") The Real Estate Settlement Procedures Act, commonly referred to as RESPA, was passed by Congress in 1974 to give consumers certain information and protections when financing a home. RESPA applies whenever a consumer obtains a conventional, FHA, VA or HUD loan. RESPA is administered by HUD. The Act prohibits those involved in the settlement of a real estate deal from receiving referral fees or kickbacks that would increase the cost of settlement charges. Lenders are required to provide consumers with an informatio... 11/25/2008

Click photo for a visual tour. Owensboro has it all and the Summit Country Club is just one of the many amenities we have to offer: On a visit to the beautiful Summit Country Club just east of Owensboro, Ky. You will enjoy all the amenities the Summit has to offer. Swimming pool, Kiddie pool, Two tennis courts, Weight room, Putting greens, Driving range, Chipping area, Restaurant, Pro-shop, and challenging 18 hole golf course.  There are home sites to fit every budget, Patio Homes, Estate Homes, Single Family Homes, Condo's and much more. You may want to preview some of the wonderful homes on the market when you come to visit Owensboro. Owensboro Has It All!     11/24/2008

What does the Kentucky Real Estate Commission say about... WHAT YOU NEED TO KNOW ABOUT BUYING AND SELLING A HOME This brochure will outline laws and issues that affect consumers in their purchase and sale of real property      Financing Options There are numerous financing options available for consumers in this State. First-time homebuyers who meet certain income qualifications can apply for a loan through the Kentucky Housing Corporation ("KHC"). In addition, veterans of the United States armed services may be eligible for a Veterans Administration ("VA") loan. The federal government also subsidizes certain Federal Housing Administration ("FHA") loans for which certain buyers may qualify. There are also many zero down-payment programs and down-payment assistance programs that may be a... 11/20/2008

Another update! TOO LATE!!  SOLD to a fine person in Owensboro ,KY!  I have others, Just Call me! UPDATE~ Under Contract! Where have all the buyers gone?  Especially the buyers that want acreage near Owensboro, Kentucky? This Home with acreage has been reduced  by over $56,000 ......... Maybe you haven't noticed this Mini-Farm for sale just outside Owensboro, Kentucky?  This is a 18+ acre Farm that is perfect for Horse Owners right here in Philpot, Kentucky!  ( about 10 minutes from Owensboro, KY) This Large Custom built home sits up on a hill and has beautiful views out of every window!  Where is the buyer that wants privacy, Lots of land, a Barn, and a nice sized house to boot?   If you need 4 bedrooms and 4 full baths, walk-out basement, Living,Dining, and family room ,  large eat-i... 10/23/2008

Wonderful Woodcrest Subdivison is located just outside the city of Owensboro, Kentucky.  The neighbors are friendly and a joy to be around.  Early in October they are having their Neighborhood Association Annual Meeting on Carmel Court and everyone is sharing a "Pot Luck" dinner!  The neighborhood has plenty of mature trees and a beautiful lake shared by all.    If fishing meets your fancy, this could be just the place for your next move!  Walking in this neighborhood is so peaceful and provides plenty of "eye candy".  Each neighbor takes pride in their home and keeps their property well manicured.  Shopping is just a few miles away, so come on out and ride through Wonderful Woodcrest Subdivision and experience the beauty of it all!  For further information about this or any other neigh... 09/29/2008

This Bridge over the Ohio River in Owensboro, Kentucky connects to Indiana and is easily viewed near the River Park Center. You can just wait here and watch the boats go by .......... Come sit by the river and enjoy the view of the Ohio River, the boats , the bridge, the flags, the play area..... Just spend a lazy day daydreaming or simply relaxing without a care in the world.................. Let the kids or grand-kids play and slide at the play park.......... Or just sit back and just watch the flags dancing in the wind by the Ohio River in downtown Owensboro,Kentucky where life is good!   For more information about Owensboro Kentucky please contact Vickie McCartney,Realtor, Home Realty GMAC,Owensboro,KY     270-315-5354      To view all homes for sale in Owensboro,Kentucky click here... 08/18/2008

The "LOVE SONG" Sculpture can be seen at corner of Second and Clay Streets in Owensboro, Kentucky.  We see "art" everywhere in Owensboro, Kentucky!  You should come and see this large community outdoor sculpture!  This large bronze and stone piece of art was purchased and donated by Terry  and Jennifer Woodward in 2006.  It was placed at the corner of Second and Clay Streets for all to enjoy.  Thanks Terry and Jennifer Woodward for your generous donation of this bronze and stone sculpture.  It was created by a Native American Sculptor named Danny Haskew.  Please Come by and see our "LOVE SONG."  Vickie McCartney,Realtor ~ Home Realty GMAC ~Owensboro, Kentucky 08/15/2008

Did you know that the world's largest Sassafras Tree lives in Owensboro, Kentucky?  Well it does! I did do a post about a while back, but didn't have any photos of this, so I decide to do another one and include photos this time. Yes, there is a natural wonder in Owensboro, Kentucky it's home of the world's largest Sassafras Tree.   This natural wonder is almost 300 years old and it measures over 100 feet tall with over 21 feet in circumference. It is one of the first things we came to find during our relocation and home search.   It was very interesting especially  for my husband and son, as my son is an Arborist and together they have planted over 1000 trees just this year. (they did not plant sassafras though) This natural wonder right in the heart of Owensboro, Ky is located on Fred... 07/19/2008

       Take a Tour of The Summit in Owensboro,Kentucky from VickieMcCartney on Vimeo.   The Summit Community Golf and Country Club is located in Owensboro,Kentucky off of Wrights Landing Road just minutes from town. The Summit consists of approximately 450 sites. It is a golf lover's dream location with a country club, tennis, swimming on location. There are numerous homes for sale to suit multiple needs and desires. There are also multiple sites to choose to build your dream home. I Hope you enjoy the tour of the neighborhood that I have put together for you. Please feel free to email me or call me with any questions about The Summit or any other neighborhood in Owensboro, Kentucky. Also feel free to visit my website, www.VickieMcCartney.com for all of the homes for sale in Owensboro, ... 07/18/2008

I've got news for YOU!  Big Bugs are all over in Owensboro Kentucky!  They are scattered all over our town.  You just have to find them.  A very special little girl named Gem, is willing to take us on a "bug hunt" Here we go!  At first we see a sign at the Owensboro High school on Frederica Street.  It says the Bugs are coming in Owensboro Kentucky to the Botanical Gardens.  Wanna come with Gem and find some of the Bugs in Owensboro? If you will follow her, She can help you find them. Come ON and Let's GO!   This should be a lot of fun! OK, Owensboro, are you following me?   Here it is , the first bug... It is a beautiful butterfly at Owensboro High School.  Let's look at it up close and personal! Isn't she a big and beautiful butterfly?   By the way, did you notice the sign says Us New... 07/10/2008

Bluegrass lives in Owensboro, Kentucky. Bluegrass is alive and well in Owensboro Kentucky!   Come and experience ROMP! ROMP stands for the River Of Music Party !     And WHO doesn't love a party?  This special party in Owensboro Kentucky is from Thursday June 26, 2008 until Saturday, June 28, 2008 ~ so come on out! Why not come out to Owensboro Kentucky TODAY and experience The River Of Music Party 2008?    Here is the Owensboro, Kentucky 2008 ROMP Line Up...... Performances at:The International Bluegrass Music Museum, Yellow Creek Park and the RiverPark CenterOwensboro, Kentucky   THURSDAY JUNE 26 RiverPark Center's Cannon Hall 11:00 King's Highway  12:00 Up-N-Gone 1:00   Sweetgrass  2:00   Bob and Sheila Everhart 3:00   American Flyer  4:00   Hall of Fame Unveiling 4:30 Phil Zimmerman... 06/26/2008

It is Sushi Time in Owensboro Kentucky. My friend Pat Sturgeon and I have been habitually enjoying sushi together recently in Owensboro,Ky .  One of the places we have been enjoying our sushi is at a new place restaurant off Highway 54 called Ninki's.   We are like two little kids on Christmas going and trying out different sushi rolls every time we go to Ninki's.   Look at Pat's big smile, it is because she is so happy we are getting ready to get our fix of some of our favorite sushi rolls.  I don't think we have tried anything yet there that we don't like love.  Last time we we there I took a few pictures of the place and of Pat, and I even remembered to take a picture of one of the rolls before we started eating it, except now I can't remember what the name of the roll is  was! (Coul... 06/02/2008