Deciding how much to spend on a house is quite tough at times. You see a property and you like it so much that you are willing to pay thousands of dollars more for it. However, a word of caution is that you need money for other purposes in life such as education, entertainment, general monthly living expenses and savings. So, many financial advisers say that the debt to income ratio should not be in excess of thirty six percent for all  home buyers. Apart from this, you should have at least six months salary in cash in your savings bank account. In todays uncertain times this cash helps to protect you and your family from lifes sudden changes.
 
The size and value of the home you choose will depend on your yearly income. If the income is high, naturally your purchasing power would be more and  you would be in a position to buy an expensive home. You will have to compromise on your home price if your income is fluctuating, or not constant. You also need to tak; ...

My wife and I were driving home the other night from our Real Estate Office and she asked me if I wanted to try the new Mexican Restraunt "Itacate" I said yes and off we went.  One of our sons met us there as we were just being seated.
They brought us our menus and took our drink order.  Next came the obligitory chips and salsa.  The chips were home made as was the salsa, both were good.
We each orderd something different from the menu, Debbie-the creamy mushrom chipotle soup and chili rellanos, Curran-Carnitas De Puerco and I orderd the Asado De Puerco.
The food arrived shortly and everything was very good.  We also were given a habanero hotsauce/salsa that was also homemade. It was killer! 
I would recommend this place to anyone and I am looking forward to the next time I go.

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Here is your chance to visit some great properties.. it is the final week of the OPEN HOUSE ROAD SHOW!
PRIZES GALORE and your Last week to be entered into the drawing for the FLAT SCREEN TV
Http://www.OpenHouse-RoadShow.com
Properties open  Sunday Dec 9, 2012  from 1-3pm
23 Willowview Drive Penfield  4 bedrooms 3.5 baths
63 Chadwick Manor  Fairport  New Price 4 bedrooms
914 Cheese Factory Road  Mendon  New price 4 bedrooms 13 acres
35 Norlane  Ranch!  Irondequoit 3 bedrooms New Price $99,900

With todays record LOW interest rates we are seeing record numbers of buyers looking to purchase thier first home.This is great news for anyone looking to sell thier house. So with that in mind there are several steps buyers should take to ensure a smooth transaction and to make sure they don't lose the house they fall in love with. 1) You need a Good Realtor that can guide you through the paperwork and transaction 2) It is essential to be Pre-Approved by a trusted Loan Officer 3) Have a list of what is important in a home for you (i/e: basement, garage, number of bedrooms etc) 4) Be Realistic. 5) Contact me, I will handle 1-4 and also educate you on Grants and how not to become house poor.

Looking to better your childs education options. Honeoye Falls - Lima is a great place to buy. I should know I live here and I can help you with these great communities. We are all about Family and Community.
 
Honeoye Falls-Lima's achievements and recognitions include:
U.S.News & World Report has recognized HF-L as a 2012 Gold Medal School. The District has been previously recognized as aSilver Medal School and Newsweek Magazine has ranked HF-L in the top 1.86% of schools in the nation.
HF-L is one of just 29 school districts in New York State to be named a High Performing/Gap Closing School District for more than five consecutive years, and is one of 10 New York State high schools recognized by the National Center for Educational Achievement as a High Performing School. 
Buffalo’s Business First ranks the District #3 overall out of 67 districts in the greater Rochester Region. HF-L received “5 star” s ...