URGENT!! Dont let the media spook you!! You do not have to have 20% down to obtain a home loan, we are financing people with a minimum of 3% down and even 0% down on special programs and areas. Right now is the perfect time to buy a home, it is the largest investment you and your family will make. if you do not own a home or are interested in moving to a new one please call us. We can find a program that will best suit your needs.
by:
Silver Oak Mortgage
Lisa Warren
Branch Manager
751 E Southlake Blvd Ste 100
Southlake, TX 76092
office 817-410-2518
fax 817-410-2519
Tuesday, October 28, 2008
Thursday, October 23, 2008
Coupon Clipper Has Last Laugh at the Register
Coupon Clipper Has Last Laugh at the Register
By Mary Perez
RISMEDIA, Oct. 23, 2008-(MCT)-Connie Hendry says people call her crazy for always clipping coupons to save money at the grocery and drug stores.
“A lot of people laugh at me, but I don’t care,” said Hendry, who lives in the Orange Grove area of Gulfport, Miss. She’s having the last laugh, saving hundreds of dollars a year on food and other products she buys.
Promotion Marketing Association’s Coupon Council said 89% of shoppers say they use coupons and save about 7% on their grocery bills.
“I know it works,” said Hendry. One year she put the money she earned from redeeming coupons into a jar when she returned from the grocery store and found she saved more than $600.
Meagan Broome, who operates Broome’s Grocery in Ocean Springs, Miss., with her brother, Curmis Broome III, said coupon use is up a little in the last few months. She is surprised more people don’t use coupons to stretch their dollars. “We have our usual customers that do coupons,” she said, especially older shoppers and young families.
Coupon use “is not as strong as it used to be,” said Robert Scarborough, district manager for the Food Giant store on Porter Avenue and throughout Mississippi, Florida and Alabama. Stores have found other ways to reward frequent shoppers and Scarborough said Food Giant customers fill the Smart Shopper savings cards to get special prices on staples such as bread and sugar, or save them for a free Thanksgiving turkey.
Those who do use coupons find the savings addictive. Hendry said she gets mad when she sees something on sale and realizes she has a coupon for it at home. Jean Hebert, a cashier at the Food Giant, eyed a brand of laundry detergent at the checkout. “That’s a good buy,” she said, “and I’ve got a coupon.”
For the $1.25 newsstand price of a Sunday Sun Herald newspaper, readers can save more than $120 a week if they use all the coupons in the glossy coupon inserts plus the coupon savings in the Rite Aid, Kmart and Walgreens sales circulars. The coupon sections arrive pre-printed at the Sun Herald about 10 days before they are inserted into the paper for subscribers and those who buy the newspaper on the newsstand.
Shoppers will find savings on the products they need for the season, such as cold medicine, or the Magic Eraser that erases love bugs from cars, plus money off on food and household products they use regularly and coupons to introduce new products.
Hendry said she takes her coupons to the Food Giant, which still doubles coupons with a face value of up to 60 cents. “That’s $1.20 in my pocket,” she said. “Yes, I’m a coupon shopper!”
Pearlina Evans, who works as a scan coordinator at Food Giant, said people call her “the coupon woman” because she cuts coupons out of the paper and goes to online coupon sites and prints more. She carries them in a file with similar coupons together so she can easily save on the price of cereal or toothpaste.
Evans helps other shoppers save, too. She was working in the aisle where a box of tea was sale priced at 98 cents last week, and she pointed out the 25-cent coupon attached to the box.
Store sales are often coordinated with the coupons being released. Scarborough said occasionally food sales representatives will alert the stores that a coupon is about to come out and they need to stock up on certain products. The coupons do increase sales, he said.
Hendry said she clips the coupons in the Sunday paper, then checks the grocery sales circulars in Wednesdays Sun Herald. “It saves a lot,” said Hendry. “It’s a little bit of work, but it’s worth it.”
© 2008, The Sun Herald (Biloxi, Miss.).
Distributed by McClatchy-Tribune Information Services.
RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com
By Mary Perez
RISMEDIA, Oct. 23, 2008-(MCT)-Connie Hendry says people call her crazy for always clipping coupons to save money at the grocery and drug stores.
“A lot of people laugh at me, but I don’t care,” said Hendry, who lives in the Orange Grove area of Gulfport, Miss. She’s having the last laugh, saving hundreds of dollars a year on food and other products she buys.
Promotion Marketing Association’s Coupon Council said 89% of shoppers say they use coupons and save about 7% on their grocery bills.
“I know it works,” said Hendry. One year she put the money she earned from redeeming coupons into a jar when she returned from the grocery store and found she saved more than $600.
Meagan Broome, who operates Broome’s Grocery in Ocean Springs, Miss., with her brother, Curmis Broome III, said coupon use is up a little in the last few months. She is surprised more people don’t use coupons to stretch their dollars. “We have our usual customers that do coupons,” she said, especially older shoppers and young families.
Coupon use “is not as strong as it used to be,” said Robert Scarborough, district manager for the Food Giant store on Porter Avenue and throughout Mississippi, Florida and Alabama. Stores have found other ways to reward frequent shoppers and Scarborough said Food Giant customers fill the Smart Shopper savings cards to get special prices on staples such as bread and sugar, or save them for a free Thanksgiving turkey.
Those who do use coupons find the savings addictive. Hendry said she gets mad when she sees something on sale and realizes she has a coupon for it at home. Jean Hebert, a cashier at the Food Giant, eyed a brand of laundry detergent at the checkout. “That’s a good buy,” she said, “and I’ve got a coupon.”
For the $1.25 newsstand price of a Sunday Sun Herald newspaper, readers can save more than $120 a week if they use all the coupons in the glossy coupon inserts plus the coupon savings in the Rite Aid, Kmart and Walgreens sales circulars. The coupon sections arrive pre-printed at the Sun Herald about 10 days before they are inserted into the paper for subscribers and those who buy the newspaper on the newsstand.
Shoppers will find savings on the products they need for the season, such as cold medicine, or the Magic Eraser that erases love bugs from cars, plus money off on food and household products they use regularly and coupons to introduce new products.
Hendry said she takes her coupons to the Food Giant, which still doubles coupons with a face value of up to 60 cents. “That’s $1.20 in my pocket,” she said. “Yes, I’m a coupon shopper!”
Pearlina Evans, who works as a scan coordinator at Food Giant, said people call her “the coupon woman” because she cuts coupons out of the paper and goes to online coupon sites and prints more. She carries them in a file with similar coupons together so she can easily save on the price of cereal or toothpaste.
Evans helps other shoppers save, too. She was working in the aisle where a box of tea was sale priced at 98 cents last week, and she pointed out the 25-cent coupon attached to the box.
Store sales are often coordinated with the coupons being released. Scarborough said occasionally food sales representatives will alert the stores that a coupon is about to come out and they need to stock up on certain products. The coupons do increase sales, he said.
Hendry said she clips the coupons in the Sunday paper, then checks the grocery sales circulars in Wednesdays Sun Herald. “It saves a lot,” said Hendry. “It’s a little bit of work, but it’s worth it.”
© 2008, The Sun Herald (Biloxi, Miss.).
Distributed by McClatchy-Tribune Information Services.
RISMedia welcomes your questions and comments. Send your e-mail to: realestatemagazinefeedback@rismedia.com
Tuesday, October 7, 2008
A Modest Proposal - Helping Main Street and Wall Street
RISMEDIA, Oct. 2, 2008-Here is an idea that can help Main Street and might save Wall Street. It is not my idea but rather one that I heard last week when I participated in a national press conference all about the real estate markets. I have thought it through and I think it has merit.
The idea is this: rather than bail out Wall Street institutions and take over all their toxic mortgages, which to the average American seems like we are bailing out Wall Street executive’s bad judgment for the past seven years, why not do something that helps all homeowners and might instantly turn around the real estate market? A turnaround in the real estate market could turn around the mortgage markets and with that turnaround, the overall financial markets.
The idea is that the US Government-for some period of time (I suggest two years)-offer mortgages to all homeowners and would-be home buyers at a 30-year fixed rate, say, 4.5%. The mortgages would require 20% down payment or equity of 20% and would go only to individuals who fit today’s more reasonable lending standards, i.e. have a job, can verify their income, have the down payment, etc.
What would this do? Instantly, buyers would flood into the real estate market and 11 months of unsold existing home inventory would disappear fast.
Second, existing mortgage holders would race to pay off their mortgages and the money would go to the banks who lent it originally, re-liquefying them with cash from the refinancing.
Third, it would give hope to first time home buyers who by going out and buying would also unlock the lower end of the market. This would allow relocatees to sell and the move up buyer market to get moving up again.
Fourth, it would save the home building industry and those with projects started by pushing home buyers to them, thus saving their projects and the banks who financed them.
Fifth, it would stop the foreclosure madness and help turn that around (which helps the banks, too).
Sixth, it would create a large pool of good mortgages (versus the toxic ones Wall Street wrote). The US Government could then either keep these mortgages, or sell them. If they sold them, it should be an attractive alternative to long term treasuries or at least something that our investors overseas might like to re-invest their US Dollars into.
What’s more, the government might even ask for some equity upon re-sale that the buyer must give up in return for this “bail out.” I suggest 10% of the profit upon a resale as reported on their tax returns, before deducting their $250,000 to $500,000 deduction. Thus, the taxpayers would benefit from a rebound in housing in the future, possibly over the next 30 years. Alternatively, this equity kicker feature could be sold to investors and that would really make those mortgage securities attractive.
In fact, they could be so attractive that this scheme might end up costing the taxpayers nothing. Why? Because if the US Government originated $1B in mortgages and sold them, it would get back its $1B. If it financed $700B, it would likely get that back, too. Maybe less, maybe more. But it would get at least a collateralized debt obligation that helps taxpayers and jump starts our economy.
How many people would this help? Well, let’s assume the average home in the US is $250,000. An 80% loan represents a loan of $200,000. $1B in mortgages could create 5,000 sales. For the $700B Hank Paulson wants to give Wall Street, we could instead finance 3,500,000 mortgages for Main Street-instantly turning around the real estate markets. We are only selling 5,000,000 units a year now anyways, so this would really kick start things.
Banks would be re-liquefied. Taxpayers would get a deal that might not cost them anything. Millions of people could buy a home and those employed in such industries as the mortgage lending business (who would be used to originate), the furniture manufacturing business, the home insurance business, the housing construction business and in the real estate brokerage business would have incomes again, i.e. 20% to 25% of our economy would start rolling again. Re-liquified banks would now be able to lend again and get themselves out of lockdown. The economy might start moving again.
This plan provides a break for average Americans on Main Street, all of them, while serving to also help Wall Street indirectly. But this idea also leaves those Wall Street firms who acted irresponsibly in the past to pay for their sins. Punitive for Wall Street? Yes. A meltdown? Probably not. Rather it would be a melt up that starts on Main Street and trickles up to Wall Street.
How’s that for a real reversal of roles?
David M. Michonski is chairman and CEO of Coldwell Banker Hunt Kennedy in New York City.
The idea is this: rather than bail out Wall Street institutions and take over all their toxic mortgages, which to the average American seems like we are bailing out Wall Street executive’s bad judgment for the past seven years, why not do something that helps all homeowners and might instantly turn around the real estate market? A turnaround in the real estate market could turn around the mortgage markets and with that turnaround, the overall financial markets.
The idea is that the US Government-for some period of time (I suggest two years)-offer mortgages to all homeowners and would-be home buyers at a 30-year fixed rate, say, 4.5%. The mortgages would require 20% down payment or equity of 20% and would go only to individuals who fit today’s more reasonable lending standards, i.e. have a job, can verify their income, have the down payment, etc.
What would this do? Instantly, buyers would flood into the real estate market and 11 months of unsold existing home inventory would disappear fast.
Second, existing mortgage holders would race to pay off their mortgages and the money would go to the banks who lent it originally, re-liquefying them with cash from the refinancing.
Third, it would give hope to first time home buyers who by going out and buying would also unlock the lower end of the market. This would allow relocatees to sell and the move up buyer market to get moving up again.
Fourth, it would save the home building industry and those with projects started by pushing home buyers to them, thus saving their projects and the banks who financed them.
Fifth, it would stop the foreclosure madness and help turn that around (which helps the banks, too).
Sixth, it would create a large pool of good mortgages (versus the toxic ones Wall Street wrote). The US Government could then either keep these mortgages, or sell them. If they sold them, it should be an attractive alternative to long term treasuries or at least something that our investors overseas might like to re-invest their US Dollars into.
What’s more, the government might even ask for some equity upon re-sale that the buyer must give up in return for this “bail out.” I suggest 10% of the profit upon a resale as reported on their tax returns, before deducting their $250,000 to $500,000 deduction. Thus, the taxpayers would benefit from a rebound in housing in the future, possibly over the next 30 years. Alternatively, this equity kicker feature could be sold to investors and that would really make those mortgage securities attractive.
In fact, they could be so attractive that this scheme might end up costing the taxpayers nothing. Why? Because if the US Government originated $1B in mortgages and sold them, it would get back its $1B. If it financed $700B, it would likely get that back, too. Maybe less, maybe more. But it would get at least a collateralized debt obligation that helps taxpayers and jump starts our economy.
How many people would this help? Well, let’s assume the average home in the US is $250,000. An 80% loan represents a loan of $200,000. $1B in mortgages could create 5,000 sales. For the $700B Hank Paulson wants to give Wall Street, we could instead finance 3,500,000 mortgages for Main Street-instantly turning around the real estate markets. We are only selling 5,000,000 units a year now anyways, so this would really kick start things.
Banks would be re-liquefied. Taxpayers would get a deal that might not cost them anything. Millions of people could buy a home and those employed in such industries as the mortgage lending business (who would be used to originate), the furniture manufacturing business, the home insurance business, the housing construction business and in the real estate brokerage business would have incomes again, i.e. 20% to 25% of our economy would start rolling again. Re-liquified banks would now be able to lend again and get themselves out of lockdown. The economy might start moving again.
This plan provides a break for average Americans on Main Street, all of them, while serving to also help Wall Street indirectly. But this idea also leaves those Wall Street firms who acted irresponsibly in the past to pay for their sins. Punitive for Wall Street? Yes. A meltdown? Probably not. Rather it would be a melt up that starts on Main Street and trickles up to Wall Street.
How’s that for a real reversal of roles?
David M. Michonski is chairman and CEO of Coldwell Banker Hunt Kennedy in New York City.
Thursday, October 2, 2008
Real Estate Update
October 2008
Rates Tick Up
In Freddie Mac's results of its Primary Mortgage Market Survey the 30-year fixed-rate mortgage (FRM) averaged 6.09% for the week ending September 25, 2008, up from the previous week when it averaged 5.78%. Last year at this time, the 30-year FRM averaged 6.42%.
"Mortgage rates followed Treasury bond yields higher this week amid market uncertainty over the current state of the economy," said Frank Nothaft, Freddie Mac vice president and chief economist.
Mortgage Rates
Source: Realty Times
U.S. averages as of September 25, 2008:
30 yr. fixed: 6.09%
15 yr. fixed: 5.77%
1 yr. adj: 5.16%
And while up, interest rates for 30-year FRMs are still more than 0.5 percentage points below this year's peak of 6.63 percent set the week of July 24th.
Where Are Lenders Getting Credit Scores?
Consumers often mistakenly believe that mortgage lenders use only credit scores from Equifax, Experian, TransUnion, and Fair Isaac's myfico.com to gauge creditworthiness. However, Consumer Reports recently found that lenders also use NextGen FICO scores, FICO Expansion Scores, and Industry Option FICO scores — which take car loans into consideration — as well as custom formulas. Given that these scoring models are not available to consumers, experts say that consumers should not rely solely on available credit scores to determine their likelihood of getting a loan. They would be wise to make timely bill payments, make more than the minimum payment, and hold down credit card balances.
Buyers Crave Green More Than Extra Space
Buyers of custom homes are increasingly interested in money-saving features like extra insulation and energy-efficient furnaces, rather than game rooms and space for in-laws, according to a Home Design Trend Survey by the American Institute of Architects. Sixty-eight percent of the survey's respondents said customers were requesting extra insulation in the attic compared with 56% a year ago. Two-thirds of respondents said green products such as tankless water heaters, double or triple-glazed windows, and sustainable flooring products such as bamboo or cork were gaining in popularity.
Only 8% of the survey's respondents said game rooms were increasingly popular among their customers, down from 23% last year.
Eight WaysTo Help a Home Sell Faster
Simple fixes and staging practices can focus buyers' attention in the right places and keep them from getting sidetracked by personal items in the home.
Here are some staging suggestions from Deborah Ehrlich-Layne of Staging Plus in Tampa, Fla., Handyman Matters, and HGTV's The Stagers.
Eliminate countertop clutter. A countertop covered with small appliances and utensils looks crowded, not spacious.
Pack up the too-personal. Don't leave toiletries on the counter. Stash family photos.
Be prepared for snoops. Prospective buyers pull open drawers, look in closets and peek behind the shower curtain.
Make sure things work. Dripping faucets, burned-out light bulbs, and squeaking hinges detract from the home's appeal.
Think "white-glove clean." Mop, dust, vacuum, clean baseboards, wash windows. Make sure the house looks fresh and smells neutral.
Make sure the front door is clean and the hardware polished. Power-wash walkways.
Store furniture that makes rooms feel crowded.
Show every room for the kind of room it is. Maybe you've turned your formal dining room into a home office. Get rid of the desk and computer, and bring back the dining table and chairs.
Copyright 2008 Realty Times
All Rights Reserved.
Rates Tick Up
In Freddie Mac's results of its Primary Mortgage Market Survey the 30-year fixed-rate mortgage (FRM) averaged 6.09% for the week ending September 25, 2008, up from the previous week when it averaged 5.78%. Last year at this time, the 30-year FRM averaged 6.42%.
"Mortgage rates followed Treasury bond yields higher this week amid market uncertainty over the current state of the economy," said Frank Nothaft, Freddie Mac vice president and chief economist.
Mortgage Rates
Source: Realty Times
U.S. averages as of September 25, 2008:
30 yr. fixed: 6.09%
15 yr. fixed: 5.77%
1 yr. adj: 5.16%
And while up, interest rates for 30-year FRMs are still more than 0.5 percentage points below this year's peak of 6.63 percent set the week of July 24th.
Where Are Lenders Getting Credit Scores?
Consumers often mistakenly believe that mortgage lenders use only credit scores from Equifax, Experian, TransUnion, and Fair Isaac's myfico.com to gauge creditworthiness. However, Consumer Reports recently found that lenders also use NextGen FICO scores, FICO Expansion Scores, and Industry Option FICO scores — which take car loans into consideration — as well as custom formulas. Given that these scoring models are not available to consumers, experts say that consumers should not rely solely on available credit scores to determine their likelihood of getting a loan. They would be wise to make timely bill payments, make more than the minimum payment, and hold down credit card balances.
Buyers Crave Green More Than Extra Space
Buyers of custom homes are increasingly interested in money-saving features like extra insulation and energy-efficient furnaces, rather than game rooms and space for in-laws, according to a Home Design Trend Survey by the American Institute of Architects. Sixty-eight percent of the survey's respondents said customers were requesting extra insulation in the attic compared with 56% a year ago. Two-thirds of respondents said green products such as tankless water heaters, double or triple-glazed windows, and sustainable flooring products such as bamboo or cork were gaining in popularity.
Only 8% of the survey's respondents said game rooms were increasingly popular among their customers, down from 23% last year.
Eight WaysTo Help a Home Sell Faster
Simple fixes and staging practices can focus buyers' attention in the right places and keep them from getting sidetracked by personal items in the home.
Here are some staging suggestions from Deborah Ehrlich-Layne of Staging Plus in Tampa, Fla., Handyman Matters, and HGTV's The Stagers.
Eliminate countertop clutter. A countertop covered with small appliances and utensils looks crowded, not spacious.
Pack up the too-personal. Don't leave toiletries on the counter. Stash family photos.
Be prepared for snoops. Prospective buyers pull open drawers, look in closets and peek behind the shower curtain.
Make sure things work. Dripping faucets, burned-out light bulbs, and squeaking hinges detract from the home's appeal.
Think "white-glove clean." Mop, dust, vacuum, clean baseboards, wash windows. Make sure the house looks fresh and smells neutral.
Make sure the front door is clean and the hardware polished. Power-wash walkways.
Store furniture that makes rooms feel crowded.
Show every room for the kind of room it is. Maybe you've turned your formal dining room into a home office. Get rid of the desk and computer, and bring back the dining table and chairs.
Copyright 2008 Realty Times
All Rights Reserved.
Wednesday, October 1, 2008
Pass the Emergency Economic Stability Act
A SUMMARY OF THE PROPOSED ECONOMIC STABILIZATION ACTClick here:
http://takeaction.realtoractioncenter.com/campaign/eesa/explanation
A SUMMARY OF THE PROPOSED ECONOMIC STABILIZATION ACTClick here:
http://takeaction.realtoractioncenter.com/campaign/eesa/explanation
New Objective Grading System Begins
The way we give grades in the Aledo Band Program is under-going a major overhaul this year. Students will now be expected to earn their six-weeks grade by completing a list of objectives and skills that will be presented at the start of the six-weeks term. Students will have numerous attempts to complete each objective. Objectives will be graded as follows:
Exemplary (100) - objecive passed off on the first try
Recognized (98) - objective passed off on the second try (or one day late)
Acceptable (95) - objective passed off on any number of trys (or more than one day late)
Unacceptable (0) - objective not passed off
Students will be given multiple chances to pass off an objective. Objectives may have a specific deadline for being passed off, but all must be completed by the final deadline posted on the objective sheet. Each objective will earn one of the four grades above. All objecive grades will be averaged to make a final Six-Weeks Objective Grade which will count as 50% of a student's six-weeks average. The other 50% of a students six-weeks grade will come equally from concert attendance and participation.
AMS Marching Band? October 31
--------------------------------------------------------------------------------
What would a football game be without a band? Dull! On Friday, October 31, the Aledo High School Marching Band will not be able to perform at the Mineral Wells Aledo HS football game. The HS Band will be in San Antonio at a marching contest. SO...the Aledo Middle School Band will be stepping up to the plate to perform at this away football game. Of course, the middle school band will not be able to march...but we can play in the stands and get out on the field and wow the crowd with an amazing musical performance!
We have some rehearsal plans in the works...there will me more details about this as our plans unfold. Please mark this date on your calendar (right next to the words that say Halloween!). This will be an exciting event for your kids and we will need your help to make this evening extra special.
We would love to receive donations of candy so that we can put together a little goodie bag for all the kids who are giving up their Halloween for the wonderful opportunity. If you can donate a bag or two, please send it to school with your student. Sams and Costco have HUGE bags for the same price as two small bags at Wal Mart.
Sectionals Continue Through November 14th.
--------------------------------------------------------------------------------
Here is the sectional schedule:
8:00 - 8:30am -or- 4:00 - 4:30pm
Monday: Flute & Trumpet
Tuesday: Clarinet & French Horn
Wednesday: Oboe (am only), Bassoon (pm only) & Percussion (pm only)
Thursday: Saxophones (all) & Low Brass
Friday: none
Private Lessons (Aledo Music Enrichment Program)
--------------------------------------------------------------------------------
http://aledoband.com/news
Exemplary (100) - objecive passed off on the first try
Recognized (98) - objective passed off on the second try (or one day late)
Acceptable (95) - objective passed off on any number of trys (or more than one day late)
Unacceptable (0) - objective not passed off
Students will be given multiple chances to pass off an objective. Objectives may have a specific deadline for being passed off, but all must be completed by the final deadline posted on the objective sheet. Each objective will earn one of the four grades above. All objecive grades will be averaged to make a final Six-Weeks Objective Grade which will count as 50% of a student's six-weeks average. The other 50% of a students six-weeks grade will come equally from concert attendance and participation.
AMS Marching Band? October 31
--------------------------------------------------------------------------------
What would a football game be without a band? Dull! On Friday, October 31, the Aledo High School Marching Band will not be able to perform at the Mineral Wells Aledo HS football game. The HS Band will be in San Antonio at a marching contest. SO...the Aledo Middle School Band will be stepping up to the plate to perform at this away football game. Of course, the middle school band will not be able to march...but we can play in the stands and get out on the field and wow the crowd with an amazing musical performance!
We have some rehearsal plans in the works...there will me more details about this as our plans unfold. Please mark this date on your calendar (right next to the words that say Halloween!). This will be an exciting event for your kids and we will need your help to make this evening extra special.
We would love to receive donations of candy so that we can put together a little goodie bag for all the kids who are giving up their Halloween for the wonderful opportunity. If you can donate a bag or two, please send it to school with your student. Sams and Costco have HUGE bags for the same price as two small bags at Wal Mart.
Sectionals Continue Through November 14th.
--------------------------------------------------------------------------------
Here is the sectional schedule:
8:00 - 8:30am -or- 4:00 - 4:30pm
Monday: Flute & Trumpet
Tuesday: Clarinet & French Horn
Wednesday: Oboe (am only), Bassoon (pm only) & Percussion (pm only)
Thursday: Saxophones (all) & Low Brass
Friday: none
Private Lessons (Aledo Music Enrichment Program)
--------------------------------------------------------------------------------
http://aledoband.com/news
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