Star Registry Service

Star Registry Service

It’s actually considerably easier than you might think to go to a star registry and buy a star named for someone. Depending on the business, this could involve a few different approaches.

First, you get a star registered for a particular person. The star is usually delineated in a particular way that is largely just going to look like letters and numbers. You can register this particular body to a person, and then give them a necklace or other item that has their name and star designation on it so they will always know which one is theirs.

Star Charts

Another way you can get a package for registered stars is through a star kit that shows where your star is in the sky. You’ll see a zoomed out version of our galaxy, and then a red dot that shows where your particular star is located in the star. Other information on how to name a star is also often contained within this particular package as well.

For example, you might be able to see info about the date and even the constellation where the star is located. Knowing the constellation is useful in the sense that this makes it easier to identify the area where the star is located when you look up at the sky at night.

You may not always be able to find the exact star with the naked eye, but if you know where the star is located in juxtaposition to a particular constellation, then you can point in the right direction in any case. This makes it a bit more real for the person that you’re getting the star for. This way you can point to brighter stars within the constellation no matter what. Many stars in constellations are quite bright and easy to detect with the naked eye, after all. You can easily do this when you’re showing the recipient the location of their astral body, and this will make it easier for them to feel a connection, which is the point of the gift all in all, anyway.

Buying the Stars

That’s why it’s a good idea to register the star you want today in order to make sure that you reserve it. It will be a one of a kind gift.

Register your star today at

Tina Niemann’s Selling Tips

Tina Niemann’s Selling Tips

Set a good price

In today’s highly competitive real estate market, you must price your home right!  Consult with me on comparable home prices, current market conditions, current interest rates and available financing before arriving at the “asking price” for your home.Improve your home’s marketability. It’s no secret that making your house as attractive as possible helps it sell.

concept of the modern engineer working

Follow these suggestions:


  • Keep your lawn mowed and trim shrubs and hedges
  • Consider applying a fresh coat of paint if needed
  • Clean windows (you would be amazed at how much this helps)
  • Mulch flower beds
  • Make sure shutters, gutters, windows and siding are in good condition
  • Clean garage and keep space uncluttered


  • Touch up marred woodwork
  • Keep carpeting clean
  • Keep kitchen appliances spotless
  • Maintain clear counter space
  • Clean and organize basement area
  • Paint walls and clean floor to add sparkle
  • Make bedroom closets look larger by storing some items neatly elsewhere
  • Plumbing & appliances should be clean and in good working order
  • Replace any burned-out bulbs and keep house well-lit at all times
  • Neutral, non-controversial colors are best
  • Everything should be clean and immaculate
  • Try to remove any inherent odor due to pets, etc.

Attracting prospective buyers

I will promote your property in several ways; through advertising in several media newspapers, a “for sale” sign in your yard, my contacts after 25+ years of selling homes in the St. Louis area, a feature listing on my web page, the Internet and the multiple listing service. A brochure of your home will be prepared and  is sent to agents in the market area of your home.Showing your propertyWhen making an appointment to show your property, our office will make every effort to allow you time to get ready.  If you are not at home, a message will be left on your recorder with the time, agent and company that will be showing your home.  If you will not be at home, agents will use Supra, unless other arrangements have been made due to pets, etc.

Understand the mechanics of the offer

The selling broker will notify the listing broker when a buyer makes an offer.  All offers must be in writing and signed by the buyer.  We will discuss the offer and clarify any terms and conditions.  If the seller accepts, the written offer becomes a contract.  The contract should include:

  • Property’s address, purchaser’s name and date
  • Sale price
  • Amount of down payment and how balance will be financed
  • Amount which will be held as earnest money
  • Proposed closing and possession dates
  • Contingencies, if any, such as building, termite, environmental and sale of buyer’s present residence, if applicable
  • Time limitation of offer

A contract does not exist until all parties have ratified the terms with their signatures.

What to do after acceptance

Buyer will apply for their loan, and proceed to complete all the inspections according to the time called for in the contract.

Getting ready to move


The seller can now make definite moving plans.  The buyer is entitled to a final walk through, which is really a final inspection to ensure that the property is in the same condition as it was the day of the contract acceptance.The big day arrives.

Closing day is for signing paperwork and paying closing costs/down payments.  The home seller’s closing costs may include:

Brokers commission, paying the current mortgage off, recording fees, any mortgage interest, prorated real estate taxes and sewer fees and any other charges the seller has agreed to pay.  The final step is finished when the buyer completes his closing, and funds are available to the seller for the proceeds of the sale of his home.


Housing – The Never Ending Story

Housing – The Never Ending Story

Living in Southern California, it’s hard not to be influenced by “The Business” (movies) even if one toils in less admired or profitable ventures, like housing finance.

Were the Federal Reserve in “The Business” it’s latest publication “The U.S. Housing Market: Current Conditions and Policy Considerations” probably would have gone directly to the discount DVD racks at Target and Wal-Mart.


In reading the Fed’s whitepaper, I’m reminded of an attractive actor in a movie trailer that fails to deliver at the box office; “the REO to Rental” scene in the Fed’s whitepaper had potential, but the plot collapsed in the tired retelling of every under-inspired effort to fix housing to date.

Like late-night talk-show hosts reviewing an entertainment project, Goldman Sachs and Fitch were underwhelmed, if polite, in their comments.   However, neither Cameron or Spielberg would green light this script as written, but unlike the imagined world of Hollywood, the housing issue is drama that must be addressed.  We can’t keep putting this script back on the shelf and hoping Brad Pitt’s agent will find it and turn it into a light-hearted comedy.

In old-fashioned western movie style, the Fed advises bringing a loaded gun to the housing fight because there are more than a few bad guys and a conflicted sheriff (played by the GSE’s regulator) who is torn between supporting housing values while minimizing tax payers losses.

The Fed warns there is no “silver bullet” or in Fed speak “bazooka” that can re-inflate the economy or housing market to the extent it has collapsed.  That a great deal of the REO inventory must be converted to investor properties is a well received plot feature, but the storyline is so complex it loses the audience’s enthusiasm in the telling.

In many ways this latest telling is a sequel to earlier projects like HARP and HAMP.  Aspects of those earlier efforts point to the dangers of complexity and the management of such complexity by student film makers, otherwise known as “folks learning on the job.”  Despite the investing public’s lukewarm response to those projects, the latest “REO to Rental” suffers from an absence of financing, complex script, and the need for an entourage of “A-listers” to carry the project, which is filming on location in such tough environments as Detroit, Atlanta, Riverside, etc.

Is there star making potential here?  Sure.  I’ve personally managed messy books-of-business like this.  I know for a fact this is a workable project, in the hands of an experienced team.  Presently, there are more under-employed mortgage finance people than there are out of work actors in Hollywood.  The GSE REO inventory has the potential to be a “franchise” if the director can have the freedom and patience to break up the property  into workable scripts.  As the Fed’s paper points out, two fifths of the inventory has the potential to rent out at cap rates in the 8% range.  Those are the kind of yields that make bankers cry as though they’ve won an Oscar.   However, the OCC & GSE standards around REO management practices are so outdated to the times, they make the Screen Actor’s Guild work-rules enviable.  Only in America can the banks and GSEs find a way to get black-listed from their own projects.

Stack of One Hundred Dollar Bills U.S.

When it comes to Housing – The Horror Movie, we’re about $7 trillion (in lost equity) into this project and counting.  We (the tax payers) own about 250,000 homes we need to sell or rent in a market with millions of other units ready to join the chaos at the first sign of life.

As Stephen Spielberg reminds us, “People have forgotten how to tell a story.  Stories don’t have a middle or an end any more. They usually have a beginning that never stops beginning.“

We’ve seen the first five years of this drama, it’s time to put a Hollywood happy ending on this Never Ending Story.


My Bike to Work Day Report

My Bike to Work Day Report

This past Friday was Bike To Work Day and I got to pretend I was purposely recruiting other cyclists to bike commuting in honor of the day. In reality it just happened to work out that the person who has been saying to me “Yeah I’d really like to try that.” for, mmm, 2 years just happened to cave to my “How ’bout tomorrow? How ’bout Thursday then? Friday?”


She could do Friday. We agreed that I would get off the bus early and ride to meet her & her husband at Perinton park & we would all ride together from there. They showed me some crazy shortcuts through parking lots and nice wooded trails in East Rochester that would be useful to know but that I will never in a million years be able to remember. We got to work and she bought me a coffee and I saw a cockroach crawling through the hole of a blueberry bagel in the bakery case, not relevant to the story, except that I decided I didn’t want a bagel.

In late spring & summer we have half days on Fridays so we met up at the bike rack around 12:30 and after some lunch we biked over to Pittsford to pick up the canal trail. She rode with me well past her house. Once we got past the crowded parts of the towpath I got to try out her recumbent for a few miles. It took me a while to even get moving but once I got the hang of it, I was laughing like a maniac because I felt sort of like I was in Mario Kart and that someone would start shooting giant turtle shells at me, also I felt like it might flop over at any moment. It was very comfortable & fun & I would try it again. I don’t know what everybody’s got against recumbents except for the weird need to classify everyone as one kind of cyclist or another. I don’t think I’ll rush out to buy one though–I’m still happy with my current bike (mostly).


I’m not  sure my friend is totally sold on bike commuting as a practical option. Historically she’s been more of a leisure time cyclist. She told me a couple of times that I needed gel shorts and cleats. I’m sure those things are awesome and maybe I would be able to ride my whole commute without bus assistance if I had them, but I like to being able to ride without a lot of specialized gear. Just get on the bike and go and be able to get off the bike and walk without a major wardrobe change. But then again maybe I’m doing that cyclist classification thing too.

Anyway, I know she had fun and she wants to do it again this Friday so maybe she’s sold after all.