The microwave oven was invented after a researcher walked by a radar tube and a chocolate bar melted in his pocket.

Breaking News Kershaw Co. students make care packages for soldiers overseas http://ow.ly/1amHHt

Breaking News Lexington's Amazon announcement highlights slow growth in Columbia http://ow.ly/1amHHx

Have you Voted for your realtor of the year in "Lexington Life" Magazine Best of " Vote for Edwin Gerace as your favorite Realtor. http://ow.ly/32Orn

The first CD pressed in the U.S. was Bruce Springsteen's "Born in the USA."

Breaking News US soldiers in Afghanistan get a taste of the Midlands http://ow.ly/1alEwW

Breaking News Amazon distribution center bringing over 1,200 new jobs to Cayce http://ow.ly/1alEwS

Japanese raid on Pearl Harbor — Lower Your Flag on Dec 7th | Edwin Gerace's Real Estate Blog - Mozilla Firefox http://ow.ly/3l06n

Breaking News Cold weather blasts through the South, record lows possible http://ow.ly/1akBtK

Breaking News Church's care package program takes on whole new meaning http://ow.ly/1akBtG

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Breaking News SC lawmaker Cathy Harvin dies at age 56 - Associated Press - December 4, 2010 5:55 PM ET COLUMBIA, S.... http://ow.ly/1aiW0Z

Breaking News Newton leads Tigers to double-digit lead over Gamecocks http://ow.ly/1aiW0V

Breaking News Woman in surveillance photos turns in Wal-mart theft suspect http://ow.ly/1aib0Q

Breaking News Woman still on loose after burglarizing Midlands' businesses http://ow.ly/1aib0U

All 50 states are listed across the top of the Lincoln Memorial on the back of the $5 bill. (need magnifying glass to see)

Breaking News West Columbia man charged in sexual assault case http://ow.ly/1ahbi3

Breaking News SC Gov-elect: 'Give us our money back' - Gov.-elect Nikki Haley says she told President Barack Obama t... http://ow.ly/1ahbhZ

Breaking News SC colleges supporting spending transparency bill http://ow.ly/1ag3wy

Breaking News Yogurt in, soda out: Army revamps training diet http://ow.ly/1ag3wu

HO HO MONEY for you New Home. Holiday Builders is offering you $10,000 See Edwin @ 803-609-7653 for details http://ow.ly/3aflW

One in every four Americans has appeared on television

Breaking News SEC warns of fake tickets for title game between USC, Auburn http://ow.ly/1aeS7r

Breaking News DHEC monitoring air quality amid second fire at old Farmers Market http://ow.ly/1aeS7v

Have you Voted for your realtor of the year in "Lexington Life" Magazine Best of " Vote for Edwin Gerace as your favorite Realtor. http://ow.ly/32Orn

Breaking News Alshon Jeffery's brother commits to Gamecocks - If you think the Gamecocks' offense is dangerous w... http://ow.ly/1adHKA

Breaking News Newberry store chosen for cable series - NEWBERRY, SC (WIS)- A popular cable series made a stop in New... http://ow.ly/1acDEg

Breaking News "The Big Stage" Why the SEC title game is the biggest in Gamecock history http://ow.ly/1acDEk

Breaking News Marine stabbed at store in Ga. recovering at home http://ow.ly/1abUTA

Breaking News Team comes together despite team tragedy to make title run http://ow.ly/1abUTw

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Months that begin on a Sunday will always have a "Friday the 13th."

Ten percent of the Russian government's income comes from the sale of vodka.

Peanuts are one of the ingredients of dynamite.

The drink that the Puritans brought with them in the Mayflower was the beer.

Breaking News Former WIS broadcaster passes away - COLUMBIA, SC (WIS) - A long time member of the WIS Family has pas... http://ow.ly/1aaezc

Breaking News Army of volunteers help bring Thanksgiving to the less fortunate http://ow.ly/1aaez8

HO HO MONEY for you New Home. Holiday Builders is offering you $10,000 See Edwin @ 803-609-7653 for details http://ow.ly/3aflW

The pilgrims sailed on the ship, which was known by the name of 'Mayflower'.

Abraham Lincoln issued a 'Thanksgiving Proclamation' on third October 1863 and officially set aside the last Thursday of November as the national day for Thanksgiving. Whereas earlier the presidents used to make an annual proclamation to specify the day when Thanksgiving was to be held.

The Wampanoag Indians were the people who taught the Pilgrims how to cultivate the land.

Happy Thanksgiving........ Turkey Turkey

Check out Groupon's daily deal - huge discounts on the coolest stuff in your city. http://gr.pn/dv2np5

Breaking News Color-coded terror warnings on track to disappear http://ow.ly/1a9hG3

Breaking News Obama spares turkeys 'shellacking' he got at polls http://ow.ly/1a9hG7

The Plymouth Pilgrims were the first to celebrate the Thanksgiving.

No piece of paper can be folded in half more than seven times

Breaking News DOT plans to fix "confusing" intersection in Irmo school zone http://ow.ly/1a8ahr

Breaking News Judge: McMaster must turn over any documents - South Carolina's attorney general was ordered Tuesd... http://ow.ly/1a8ahn

This is funny, all dads need to see this http://ow.ly/36wHU

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Breaking News Charlotte airport director says he wants the TSA out http://ow.ly/1a54z3

Breaking News Gamecocks look to Clemson, Atlanta after routing Troy 69-24 http://ow.ly/1a54yZ

Breaking News Lamb out at Furman after 4 years with no playoffs http://ow.ly/1a4h8p

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The three most valuable brand names on earth: Marlboro, Coca-Cola, and Budweiser, in that order.

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Breaking News $1M lottery ticket sold in Columbia, but no winner has come forward http://ow.ly/1a1TSp

American car horns beep in the tone of F.

Breaking News Hundreds attend vigil for Zahra as details released in documents http://ow.ly/1a0Gy5

Have you Voted for your realtor of the year in "Lexington Life" Magazine Best of " Vote for Edwin Gerace as your favorite Realtor. http://ow.ly/32Orn

Now this is funny for all you moms out there .... http://ow.ly/36wDN

Breaking News Officials in Zahra case await more DNA information http://ow.ly/19Ztbt

HO HO MONEY for you New Home. Holiday Builders is offering you $10,000 See Edwin @ 803-609-7653 for details http://ow.ly/3aflW

Ho Ho Ho Money for the Holidays

 

Breaking News Columbia fire chief remembers fallen firefighter http://ow.ly/19Yl0M

Breaking News Airman from Dalzell dies in Afghanistan - The Department of Defense reports an Airman from Sumter Coun... http://ow.ly/19Yl0I

Breaking News One dead in morning collision -  A young man is dead after a single car crash in Calhoun County S... http://ow.ly/19XBGx

Breaking News Two firefighters hit by vehicle while on call on I-20 http://ow.ly/19XBGt

Breaking News Norway cop who blew whistle on mayor's ticket-fixing is under criminal investigation http://ow.ly/19WOqK

Breaking News Police say 'we have found Zahra' after bone matches DNA http://ow.ly/19WOqO

Breaking News Norway cop who blew whistle on mayor's ticket-fixing is under criminal investigation http://ow.ly/19WOqK

Breaking News Columbia leaders want to clean up dilapidated housing areas http://ow.ly/19VGhP

Breaking News Thousands honor veterans at Columbia's annual parade http://ow.ly/19VGhT

Breaking News Downtown Camden going on a "road diet" - A streetscaping project likely unlike any you've ever hea... http://ow.ly/19UujX

Breaking News Police still looking for 'well-dressed' robber of cash advance store http://ow.ly/19Uuk1

Breaking News Sumter emergency drill simulates F-16 crash - Emergency personnel in Sumter spent part of their day pr... http://ow.ly/19TgP0

Breaking News Former Lee Co. Sheriff convicted of drug conspiracy, racketeering http://ow.ly/19TgP4

Breaking News Columbia's Winter Homeless Shelter is Changing Lives http://ow.ly/19S3Jo

Breaking News Ex-ambassador David Wilkins leads Haley transition http://ow.ly/19S3Js

Breaking News Gamecocks still ranked despite rank performance http://ow.ly/19QV85

Breaking News Woman thrown from car asks for your help finding culprit http://ow.ly/19QV81

Breaking News Arrest made in Friday fatal shooting - One person has been arrested in connection with a fatal shootin... http://ow.ly/19QbI7

Breaking News No punishment for dog that attacked 7-year-old-boy http://ow.ly/19PnBJ

Breaking News Sumter mom sues school district for abuse of autistic son http://ow.ly/19PnBN

Breaking News Haley's sister describes governor-elect's family history http://ow.ly/19OcvU

Breaking News Man accused of killing wife in restaurant parking lot returning to Lowcountry http://ow.ly/19OcvY

Breaking News Spratt spokesman: Dem has conceded longtime seat http://ow.ly/19MXa7

Breaking News Indicted sheriff's wiretapped phone calls played for jury http://ow.ly/19MXab

Have you Voted for your realtor of the year in "Lexington Life" Magazine Best of " Vote for Edwin Gerace as your favorite Realtor.

Breaking News As polls close, DeMint easily defeats Alvin Greene http://ow.ly/19LGJL

Breaking News Latest election calls from... - Latest election calls from AP: http://ow.ly/19LGJH

Breaking News 911 caller: 'Oh my god, she's dead' - As employees of a Summerville restaurant watched a man shoot a w... http://ow.ly/19KvEb

Breaking News Missing Kershaw Co. woman found alive near Blue Ridge Parkway http://ow.ly/19KvE7

Breaking News Victim named in fatal Columbia shooting - The flowers in Starlett Hawthorne's hand are for her son... http://ow.ly/19JqUm

Breaking News Gamecocks remain only ranked team in the SEC east. http://ow.ly/19JqUq

happy halloween

Breaking News Yemeni arrested, al-Qaida bomber eyed in mail plot http://ow.ly/19IJoT

Breaking News South Carolina beats Tennessee 38-24 - A win against the Vols brought the Gamecocks one... http://ow.ly/19IJoX

If you could have one superpower, which would you choose?

Breaking News Opponents for state Superintendent of Education have differing views http://ow.ly/19HXaI

Breaking News Haley gives interview while campaigning in Aiken http://ow.ly/19HXaM

Breaking News NIST shows sprinklers at sofa store could have prevented fire's rapid spread http://ow.ly/19GOHH

Breaking News Prosecutors: McDonald's killing was robbery attempt, manager in on scheme http://ow.ly/19GOHD

Breaking News Zahra's father out of jail as police find prosthetic leg http://ow.ly/19FD3G

Breaking News Witness describes kickback scheme involving former Lee Co. sheriff http://ow.ly/19FD3K

Breaking News Police calls paint troubling picture of 'Hiccup Girl' http://ow.ly/19EtRe

Breaking News Fight over girlfriend ends with shot fired - A fight over a girl ended in a shooting investigatio... http://ow.ly/19EtRi

Breaking News Haley, Sheheen meet for second debate - Republican Nikki Haley and Democrat Vincent Sheheen held their... http://ow.ly/19DiJa

Breaking News Zahra Baker's dad charged as search for girl moves to new location http://ow.ly/19DiJ6

Breaking News 22-year-old man shot, killed by Summerville police officer http://ow.ly/19Cctm

Breaking News Highway Patrol reports fatal accident on I-26 eastbound near highway 121 http://ow.ly/19Ccti

Breaking News 10-20 year old skeletal remains found in Aiken County http://ow.ly/19BsPe

Breaking News Clemson stings tech, 27-13 - Andre Ellington rushed for a career high166 yards and two long touchdowns... http://ow.ly/19BsPi

Would you be willing to eat a bowl of live crickets for $40,000?

Breaking News DNA law causes headaches for victims' families http://ow.ly/19AGLn

Breaking News Sorting through truth and fiction in the Miller/Wilson ad war http://ow.ly/19AGLr

Breaking News Hootie and The Blowfish monument unveiled in Five Points http://ow.ly/19zyzL

Breaking News Haley blasts Sheheen for absence, but she was, too http://ow.ly/19zyzP

Only government can take perfectly good paper, cover it with perfectly good ink and make the combination worthless.
Milton Friedman

Breaking News Favre not disclosing details on meeting with NFL http://ow.ly/19ymJp

Breaking News RCSD: Spring Valley student sexually assaulted at school by acquaintance http://ow.ly/19ymJt

Breaking News Are Haley and Sheheen's ads truthful? Are they effective? http://ow.ly/19xcIS

Breaking News 911 call released of Zahra's father reporting her missing http://ow.ly/19xcIO

Breaking News NFL may start suspending players for violent hits http://ow.ly/19w1M7

Breaking News National GOP cash pouring into SC races, airwaves http://ow.ly/19w1Mb

Breaking News Violent weekend claims four lives in Orangeburg County http://ow.ly/19uSFd

Breaking News Elementary student brings pot to school to turn in his parents http://ow.ly/19uSFh

Breaking News Gamecocks and Wildcats throw down in Lexington http://ow.ly/19u8UN

Breaking News 9-year-old helps family rebuild after devastating fire http://ow.ly/19tmAO

Breaking News Mistrial declared on Ethan Mack's murder charge http://ow.ly/19tmAS

Breaking News Elderly couple's car catches fire, spreads to house http://ow.ly/19seHg

Breaking News 57-year-old McDonald's employee killed while taking out trash http://ow.ly/19seHc

Breaking News Search for Zahra moves to small pond; stepmother appears in court http://ow.ly/19r5OW

Breaking News Inductees announced for NASCAR Hall of Fame's 2011 Class http://ow.ly/19r5OS

Breaking News Multiple polls put race for SC gov within single digits http://ow.ly/19pZC0

Breaking News Parts of Columbia riverwalk, greenway temporarily closed http://ow.ly/19pZC4

Breaking News Redeployed soldiers can get extra pay, but time's running out http://ow.ly/19oSf4

Breaking News Worker electrocuted while setting up at the State Fair http://ow.ly/19oSf0

Breaking News Man killed near Williams-Brice Stadium identified http://ow.ly/19nQJv

Breaking News New Gamecock t-shirt hot off the presses - COLUMBIA, SC (WIS) - After the Gamecocks big win over Alaba... http://ow.ly/19nQJz

Breaking News Gamecocks defeat #1 Alabama - COLUMBIA, SC (WIS) - The South Carolina Gamecocks took down top-ran... http://ow.ly/19n7q2

Breaking News USC to give insurance stock to workers - The University of South Carolina say $4.8 million in new... http://ow.ly/19n7q6

236 CLUBSIDE DRIVE, Lexington, SC

Click here to view the Virtual Tour

This beautiful home has 0 bedrooms and 0.00 full bathrooms. It is located at 236 CLUBSIDE DRIVE in Lexington, SC.

would you most like to be stuck in an elevator with? Least like?

Breaking News I-26 westbound ramp closed due to overturned tractor trailer http://ow.ly/19mlN4

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Breaking News SC GOP gives $50,000 to attorney general hopeful http://ow.ly/19ldQE

Weather Current Weather Conditions In Lexington, SC (29072) - Clear, and 71 F. For more details? http://ow.ly/19ldQJ

Nelson Mullins joins forces with Boston firm http://ow.ly/2QazJ

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Lake Murray Condo for Sale, Lexington SC

Retirement Plan you didnt think of

Outside England 's Bristol Zoo there is a parking lot for 150 cars and 8 buses. For 25 years, its parking fees were managed by a very pleasant attendant. The fees were;

cars $1.40, buses $7.

Then, one day, after 25 solid years of never missing a day of work, he just didn't show up; so the Zoo Management called the City Council and asked it to send them another parking agent.

The Council did some research and replied that the parking lot was the Zoo's own responsibility. The Zoo advised the Council that the attendant was a City employee.. The City Council responded that the lot attendant had never been on the City payroll.

Meanwhile, sitting in his villa somewhere on the coast of Spain or France or Italy ... is a man who'd apparently had a ticket machine installed completely on his own and then had simply begun to show up every day, commencing to collect and keep the parking fees, estimated at about $560 per day -- for 25 years.

Assuming 7 days a week, this amounts to just over $7 million dollars ...... and no one even knows his name.

Home AUCTIONS

So you have been trying to sell your home for quite some time without success, and you are wonder if you are marketing the house properly. Perhaps it is time to look into an alternate method of selling your house. Let’s take a look at putting your house up for auction.




As a seller, there are some real benefits to selling your home through an auction. Unlike the usual home sale process there is no negotiation. You know your buyers are serious and the competition of an auction may increase the price your home sells for.



There are three common types of auctions:



Absolute Auction
- house will sell to the highest bidder, regardless of price.

- marketplace response is strong, as buyers know a sale will be made.



Minimum Bid Auction
- protects the seller from selling below a set price.

- usually has fewer prospective buyers



Reserve Auction
- the highest bid at the auction is considered an offer.

- seller has a couple of days to accept or reject the offer.

- down side of this type of sale is that not many buyers may be willing to risk the sale being turned down



Above all, always work with a REALTOR® who knows the auction process. He or she may already have a relationship with an auction company and can assist in organizing the sale. Remember, the property needs to be in saleable condition to get the best price; your REALTOR® can discuss staging the home with you.

Lexington SC Home for Sale Under $125,000

"Palmetto Heroes" Home Buying Program

Lower Rates, More Funds for Popular "Palmetto Heroes" Home Buying Program


The South Carolina State Housing Finance and Development Authority (SC State Housing) relaunched its program to help South Carolina teachers, firefighters, law enforcement officers and EMS personnel who want to become homeowners. SC State Housing officials were so pleased with the response to the $40 million program announced back in March, 2010, they decided to add additional funds to the pot and reduce the interest rate.



In the revamped Palmetto Heroes-2, teachers and first responders will be joined by administrative personnel in education and firefighting, all law enforcement officers - including dispatchers and Corrections Officers, and Nurses as well as EMTs.



"Our first Heroes program two years ago was for teachers only," said Valarie M. Williams, Executive Director of SC State Housing. "When we worked up the program last year to include first responders such as police, firefighters and EMTs, we received a lot of calls from the administrative personnel who support them. Administrative workers, dispatchers and the like are just as important to these professions and their dedication needs to be recognized."



Williams said the expanded "Palmetto Heroes-2" will provide low interest home loans to current South Carolina teachers, school administrators, firefighters and support personnel, law enforcement to include dispatchers and Corrections Officers, and EMS personnel and nurses who qualify. The additional funding will also provide the same crucial incentive that made the original Palmetto Heroes so popular - a down payment assistance of up to $7,500.



"Being able to afford a home is still a concern for many people in our state," Williams said. "But it can be especially tough for some of our workers who have the jobs that are critical to our safety and our children's futures and yet, have modest salaries." She said many individuals and families currently paying rent simply have a tough time saving up for the down payment. "It's important that we invest in these workers who are so important to our communities," she said.



Palmetto Heroes is available to teachers and firefighters and their administrative personnel, as well as law enforcement officers - to include dispatchers and Corrections officers, and EMS and nurses who are currently certified in their profession, and reside and work in South Carolina or have a contract to begin working here within 60 days of closing on a home.



Eligible Palmetto Heroes home buyers can get a 4.5 % interest rate through SC State Housing's First-time Home Buyer Program, as well as down payment assistance loans of up to $7,000 in Category I or $7,500 in Category II. (see rate sheet.)



The program includes a grant from South Carolina Realtors®, to bolster the funds available for down payment assistance in Category II.



Mortgage loans can be up to 30 years and are available through any of SC State Housing's network of more than 200 participating private sector lenders and brokers statewide. Maximum income limits are based on the median income per county and household composition. Palmetto Heroes-2, like its predecessor, may not be used for refinancing.



For more information, contact a Realtor® or SC State Housing at 1-800-432-5007 or visit the agency's website: www.schousing.com.

Lexington Home For Sale in Garden Pond

What is IN and What is COOL

Classic Neutral Colors

Deep gray browns, gray blues, muted beige, and chalky white have been touted particularly popular shades. Remember, if you are prepping your home for a sale stick with the neutrals and try to stay away from bright colors. Paint can be a relatively inexpensive home improvement that will refresh any home


Backyard Gardens

First Lady Michelle Obama led the way in 2009 when she installed one at the White House and the trend continues in 2010.



Made in America
Support your local retailers and try and purchase products made in America. Purchasing these products supports employment, job growth and in the end benefits the economy for everyone.


DIY
With the economy still shifting, homeowners are doing more and more projects on their own to keep the costs down

Being prepared

Being prepared for a natural disaster may not seem to be a priority; however, a disaster can strike at a moment’s notice. During a disaster you and your family members may not have electrical power or running water for up to three days. Relief workers will be on scene but may not be able to access everyone immediately. Having a well stocked Disaster Supply Kit is a great way to insure you and your love ones have the necessities required while waiting for assistance. Better to be prepared than caught off guard.




Some items your Disaster Supply Kit should have are as follows:



WaterIt is recommended that you use commercially purchased bottled water that will only be opened as required. Have at least a three-day supply of water and you should store one gallon of water per person per day. Keep in mind a normal, healthy adult requires approximately one half gallon of water daily.

Food
Store a minimum of a three day supply of non-perishable food. Choose foods that require little or no refrigeration, preparation or cooking and little or no water. Make sure to avoid foods that will make you thirsty or are high in salt as this will increase your water intake. High energy foods such as peanut butter, jelly, crackers, granola bars and trail mix will go a long way.

First Aid
People in your home may have been injured so it is always best to have a first aid kit ready. In fact, have two kits prepared – one for your Disaster Kit and one in your car. At any point you may need to travel.



FEMA.gov recommends the following items be in your first aid kit:

• Sterile adhesive bandages in assorted sizes
• 2-inch sterile gauze pads (4-6)
• 4-inch sterile gauze pads (4-6)
• Hypoallergenic adhesive tape
• Triangular bandages (3)
• 2-inch sterile roller bandages (3 rolls)
• 3-inch sterile roller bandages (3 rolls)
• Scissors
• Tweezers
• Needle
• Moistened towelettes
• Antiseptic
• Thermometer
• Tongue blades (2)
• Tube of petroleum jelly or other lubricant
• Assorted sizes of safety pins
• Cleansing agent/soap
• Latex gloves (2 pair) Sunscreen

Clothing / Bedding
If you are living in a climate where temperatures drop then coats, sweaters and heavy bedding are required. Include one change of clothing for every person in your home.

Special Needs
Remember to have your special needs items packed in your kit if you have an infant child, elderly or disabled person living in your home.

Those items may include:
• Formula
• Diapers
• Bottles
• Medications

Important Documents
Gather copies of all of your family’s important personal documents and place them in a waterproof lock box. This lock box should be place with your disaster kit.

Your documents should include:
• Will, insurance policies, contracts, deeds, stocks and bonds
• Photo IDs, passports, social security cards, immunization records
• Bank account numbers
• Credit card account numbers and companies
• Inventory of valuable household goods, important telephone numbers



Remember, we all face the risk of being the victim of a large scale disaster and a little bit of preparation beforehand will go a long way in easing the stress.



For a comprehensive list on planning and preparing for disaster, please go to FEMA’s – Prepare For A Disaster web page by clicking here http://www.fema.gov/plan

I like the way I've built wealth better than the way you haven't. Live like no one else so later you can live like no one else! - Dave Ramsey

If the Red-Raced Kid (”I want it, and I want it now!”) rules your life, you will stay broke - Dave Ramsey

Pray like it all depends on God...but work like it all depends on you." ~Dave Ramsey

Institute of Food Technologists (IFT) Reaches Out to Help Those in Need through Feeding America Volunteer Initiative http://ow.ly/2iBI1

Edwin Gerace's Local News You Can Use

Edwin Gerace's Local News You Can Use

"As long as Americans are comfortable with debt, we will elect officials/politicians who are too." - Dave Ramsey

Just Drop It: The One-Size-Fits-All Approach to Blood Sugar Control, That Is http://ow.ly/2iBGN

“If you buy a $28,000 car, in four years it will be worth about 11,000 bucks.” - Dave Ramsey

Is a 5/1 ARM Better Than a 30-Year Conventional? http://ow.ly/2iBE9

Is a 5/1 ARM Better Than a 30-Year Conventional? http://ow.ly/2iBD2

Lawmakers want to know what SC State did with millions in tax money http://ow.ly/2iBzM

6:10 PM (2 hours ago)Bankrate: Mortgage Rates Reset Record Lows
http://ow.ly/2iBEQ

Too many people try to do the new job, new spouse, new house, new car thing in 18 months. That's a good way to end up broke. We've got to resist the temptation to catch up with our parents in 18 months- Dave Ramsey

Great Information about Columbia SC Real Estate http://ow.ly/2f5W6

“I call this the great misunderstanding ? the idea that we give because churches need our money.” Dave Ramsey

FREE Home Selling Seminar at Lexington County Library Monday Night at 6pm http://ow.ly/23BDc

SC banks in danger of failing get federal orders to shape up http://ow.ly/2f1JV

FREE Home Selling Seminar at Lexington County Library Monday Night at 6pm http://ow.ly/23BDc

FREE Home Selling Seminar at Lexington County Library Monday Night at 6pm http://ow.ly/23BDc

Town of Lexington wins Award

Municipal Association of South Carolina 2010 Municipal Achievement Awards Population 10,001-20,000: Town of Lexington
Illegal activity in a lot on the west side of Lexington caused the federal government to seize the property. It was an eyesore for the town and its residents. Through careful planning, resident input and creative partnerships, local officials were able to take a blemish and turn it into an asset for the community.

Federal guidelines required the property be used as a recreational space. Town council, staff and a committee of residents worked together to devise a plan for the property that would benefit the neighborhood. Because the area badly needed green space, the committee decided to redevelop the space into a community park to benefit the historically low-to-moderate income neighborhood.

The town contributed a small portion of the funding needed, with the rest funded entirely through the support of local companies. Officials sent letters to each potential sponsor describing the need, the construction plan and how they could help. Donors would receive a plaque and signage at the park in recognition of their contributions.

Beyond financial donations, volunteers from the community and corporate donors helped develop plans and worked to landscape the park. This was the first public-private partnership of this magnitude in the town’s history. The new park incorporates a playground, picnic shelter, fountain and lots of green space for running and jumping. It has become a neighborhood gathering place.

Officials named the park for Willie B. Caractor, a respected African-American leader in Lexington. Caractor was an area teacher and advocate for the neighborhood where the park was built. He had been instrumental in getting his neighborhood annexed into the town so that residents could enjoy police protection and water services. The new park has a bronze marker commemorating Caractor. The marker was unveiled at the park’s grand opening, a community hamburger cookout provided by volunteers and town officials.
Despite being Lexington’s smallest park, it has become a big point of pride for the community.

122 May Morning Home For Sale

FREE Home Selling Seminar at Lexington County Library Monday Night at 6pm http://ow.ly/23BDc

Free Home Buyer Seminar Monday Night at Lexington Library. Info on the $7,500 Buyers Assistance Prgram http://ow.ly/1JLM9

Residential Home Selling / Buying Educational Seminars

Residential Home Selling / Buying   Educational Seminars  PRESS RELEASE

Free Home Buying and Selling Seminars are being offered to the public at the Lexington County Library’s main branch.


Buyer Seminar Topics to include Selecting the right home, Selecting a mortgage, Information on Grants, Understanding contracts, Explain who is representing you and much more. As well as information about the $7,500 Down Payment Assistance Program, Lexington County Grant Program, and many other sources of down payment assistance.

Seller Seminar Topics to include: Free Market Analysis, Secrets to Selling, Reduce Stress when selling your home, Learn Value of Correct Pricing, Private consultation and much more

The seminar will have a host of professionals in the home buying process to offer FREE information on home ownership.

Free Home Buyer Seminar is being offered at the Lexington County Library.

Address is 5440 Augusta Road, Lexington, SC 29072
Library Phone is (803) 785-2600
Directions: Located off Hwy 1 in Lexington approximately 1.5 miles from Exit 58 on I-20

The seminar will be available for Churches, groups, civic organizations and others on request.

There will be an additional seminar for learning the short Sale process for buyers and sellers by appointment,
Call 609-7653 to reserve your spot.

The schedules for the following seminars are as follows:

Seller Seminar
June 28, Lexington Library 6:00pm-7:30pm
July 26, Lexington Library 6:00pm-7:30pm
Aug 16, Lexington Library 6:00pm-7:30pm

Buyer Seminar
June 19, Lexington Library 6:00pm-7:30pm
Aug 23, Lexington Library 6:00pm-7:30pm
These seminars are FREE but please RSVP due to the demand.

Follow us on Twitter http://twitter.com/lexingtonsc
Visit http://www.edwingerace.com/sellerseminar

For more information 803-957-5566 or 803-609-7653

"Typewriter" is the longest word that can be made using only the top row on the keyboard.

Free Home Buyer Seminar Monday Night at Lexington Library. Info on the $7,500 Buyers Assistance Prgram http://ow.ly/1JLM9

Green Building

The hot topic at the water cooler is Green Buildingin and cost vs reward.  Some say greenhouse gases are dooming our grandkids to a future of drought and flooding. Skeptics argue that climate change is inevitable and beyond the scope of anything we humans do. While the truth is likely somewhere in between, most people agree that sensible conservation and practical oversight is probably a healthy approach –and the efforts we make today will put energy-saving dollars in our pockets tomorrow. That’s one reason most of us practice some sort of conservation effort; recycling trash, reducing our use of paper, or heating our swimming pools with solar panels. It’s also the reason why NAR built the first LEED-certified* green building in Washington, DC. NAR believes REALTORS® need to be on the leading edge of social concerns—which is also why they developed NAR’s Green Designation for today’s real estate professionals—and why they closely monitor all legislation regarding environmental issues. I have earned the Green Designation myself because I believe it’s important to be at the forefront of this movement. As green issues take a more prominent place in social discourse, we take justifiable pride in our industry’s commitment to the environment.


Yes, I think the idea of “going green” started to gain momentum before the housing downturn hit. Today, a lot of Las Vegas buyers—and most investors—are pretty focused on opportunistic purchases like REOs and short sales. As things start to improve, real estate consumers will turn their attention back toward “green,”  Bob Hamrick said. 

The effort to highly competitive has caused the slowed down the green effort, but I expect today’s move toward green construction will become the standard for the future. The new CityCenter in Las Vegas, which is really an extraordinary resort destination, was designed and built to conserve energy and preserve natural resources. It’s just a more responsible approach to building, and I think that signals a growing trend. Getting our agents green-certified and knowledgeable is certainly a place to start, Bob Hamrick said.  

*LEED (Leadership in Energy and Environmental Design) is a benchmark building standard set by the U.S. Green Building Council.




Results are based on 451 completed surveys returned from building professionals in 48 states: 64.5% of respondents design or build green homes; 35.5% do not; 92% of all respondents work in new single-family detached, 24% also design or build new single-family attached, and 24% are active in multifamily markets.


Compared with market conditions three years ago, only 7% of respondents described their markets as growing, 9% as about the same, 13% reported a 5% drop, 18% said their market was down 5%–10%, 17% reported a 10%–20% drop, and 36% reported a decline of more than 20%.

 
Green building is looking toward putting all the pieces of the puzzle together with the creation of a smart grid and connected home is expected to grow in 2010 as utilities continue to make upgrades to the grid for more effective generation, storage and distribution of power, and as smart-grid manufacturers develop custom and web-based display panels that show real-time home energy use, says the Earth Advantage Institute.  The same is true in the commercial sector. Case-in-point: Networking equipment giant Cisco rolled out the first Smart Connected Building solution in July last year, which will interconnect and enable building systems such as heating, ventilation and cooling (HVAC), lighting, electrical, security, and renewables over the IP network.
Cisco also projects that the smart-grid communications infrastructure will reach $20 billion a year over the next five years.  The Earth Advantage Institute also predicts energy labeling for homes and office buildings. The non-profit organization says this will make it easier to perform a building-to-building or home-to-home comparison, but a publicly available score on the multiple listing service could push building owners to make needed energy improvements.


There are many different approaches to green building--in site design and development, in sourcing materials and in methods for energy and water efficiency. Throw in a client's geography and budget and everything can change.  We need to look at the whole-house approach and emphasizing what you need to do from start to finish--whether you're remodeling a home or building from the ground up. You'll learn how to make the National Green Building Standard work for you.

Email Edwin to know about the Green Built homes in Columbia, SC  Email me Green Built Homes. 

Housing Stays Highly Affordable for Fifth Consecutive Quarter

Housing Stays Highly Affordable for Fifth Consecutive Quarter




RISMEDIA, May 29, 2010—Nationwide housing, bolstered by favorable interest rates and low house prices, hovered for the fifth consecutive quarter near its highest level of affordability since the series was first compiled 19 years ago, according to the National Association of Home Builders/Wells Fargo Housing Opportunity Index (HOI).



The HOI showed that 72.2% of all new and existing homes sold in the first quarter of 2010 were affordable to families earning the national median income of $63,800, slightly higher than the previous quarter and near the record-high 72.5% set during the first quarter a year ago.



“Today’s report is very encouraging because it indicates that home ownership continues its more than year-long trend of remaining within reach of more households than it has for almost two decades,” said NAHB Chairman Bob Jones, a home builder from Bloomfield Hills, Mich. “With interest rates still hovering at low levels, companies starting to hire new employees and the economy beginning to rebound, this should encourage more home buyers to enter the market and help further stabilize housing and the economy.”



Indianapolis-Carmel and Youngstown-Warren-Boardman, Ohio-Pa., shared the ranking as the most affordable major housing markets in the country. In Indianapolis, which has held this top ranking for nearly five years, almost 95% of all homes sold were affordable to households earning the area’s median family income of $68,700. In Youngstown, the same percentage of homes were affordable to households earning a median $53,500.



Also near the top of the list of the most affordable major metro housing markets were Syracuse, N.Y.; Dayton, Ohio; and Grand Rapids-Wyoming, Mich.



Five smaller housing markets posted even higher affordability scores than Indianapolis and Youngstown. Among them, Bay City, Mich., where 98.7% of homes sold during the first quarter of 2010 were affordable to median-income earners, was the most affordable market in the country. Other smaller housing markets near the top of the index included Kokomo, Ind.; Davenport-Moline-Rock Island, Iowa-Ill.; Sandusky, Ohio; and Elkhart-Goshen, Ind., respectively.



New York-White Plains-Wayne, N.Y.-N.J., continued to lead the nation as its least affordable major housing market during the first quarter of 2010. Slightly less than 21% of all homes sold during the quarter were affordable to those earning the New York area’s median income of $65,600. This was the eighth consecutive quarter that the New York metropolitan division has occupied this position.



The other major metro areas near the bottom of the affordability scale included San Francisco; Honolulu; Santa Ana-Anaheim-Irvine, Calif.; and Los Angeles-Long Beach-Redwood City, Calif.



San Luis Obispo-Paso Robles, Calif. was the least affordable of the smaller metro housing markets in the country during the first quarter. Others near the bottom of the chart included Ocean City, N.J; Santa Cruz-Watsonville, Calif.; Napa, Calif.; and Flagstaff, Ariz.



For more information, visit www.nahb.org (http://www.nahb.org).

Short Sale What is it?

A short sale is an arrangement with your lender in which you are permitted to sell the property for less than you owe. This is a method of disposing of your home without having the lender foreclose on you. In many cases the lender pays your closing cost and your realtor's commission. Not all lenders papprove a short sale. They are in the business of lending money, not owning houses. The decision depends on a number of factors: Where is your house? How much loss will the lender suffer? What is the possibility that an investor would buy the property at a foreclosure sale? Each lender has its own requirements. You will need to prepare a comprehensive letter explaining why you are requesting the short sale. It is much like the paperwork you completed when you applied for the loan, only in reverse. Now you must prove to your lender that you are in financial distress and can't afford the monthly payments. The short-sale process often works but is complicated, time-consuming and uncertain, which is why choosing the proper agent is critical. It could save you time, money and your credit history. Interview your agent before hiring him or her. Some agents don't do short sales at all, because it's not guaranteed they will get paid. If you start early, before you miss your payments and before your lender notifies the credit-reporting companies, you are ahead of game and have a better chance of succeeding

For list of homes that are bieng sold for short sale or You yourself qualify for a short sale, contact
Edwin Gerace at 803-609-7653

Point of Sale Update

Point of Sale Update




The Senate failed to give H.3272 (Cooper) third reading by three votes. The legislation remains in the Senate Finance Committee, while retaining its place on the Senate Calendar for third reading. With just two weeks left in the legislative session, we must send the message to the Senate that this issue must be addressed. SCR lobbying staff continues to urge the Senate to move forward with point of sale reform this session. Some Senators remain very concerned with the financial impact that H.3272 could have on school district budgets. SCR argues that the state cannot afford to leave this issue unaddressed. We remain optimistic that, with your support, point of sale assessment will be addressed this year.

Ban on Texting While Driving Debated in the Senate

Ban on Texting While Driving Debated in the Senate




Two weeks ago, the Senate set S.642 (Alexander) for Special Order on the Calendar. Debate of the bill commenced this week. S.642 makes it unlawful for a person to compose, send or read a text-based communication while driving and would pre-empt any local government ordinance. An amendment was offered that would have banned use of any electronic communication device while driving, which was defeated. The bill remains in interrupted debate on the calendar, and debate is expected to resume Tuesday.



The House previously passed a prohibition on texting while driving in H.4282, which has been referred to a Senate Judiciary Subcommittee. The House-passed version imposes a ban on reading, writing or sending a text or email while operating a motor vehicle and includes a penalty of $25 for violation.

Come vist Edwin Gerace at the Lexington Chamber Business Expo at old Ace Hardware. Visit the Russell & Jeffcoat Booth (hourly drawings for door prizes)

Getting Ready to enjoy the Lexington Chamber Business Expo at old Ace Hardware. Visit the Russell & Jeffcoat Booth (hourly drawings for door prizes)

Enjoying networking at the Lexington Chamber Business Expo at old Ace Hardware. Visit the Russell & Jeffcoat Booth (hourly drawings for door prizes)

The Guinness Book of World Records itself holds a world record, as the best-selling copyrighted series. It was created by Sir Hugh Beaver, then the managing director of the Guinness Brewery.

Mountain goats can walk almost straight up a cliff due to a supple pad on each cloven hoof. These pads have extremely soft centers. When the animal puts its foot down, each pad works like a powerful suction cup, enabling the wild goat to appear to defy gravity.

If NASA sent birds into space (inside a space capsule, that is), they would soon die because they need gravity to swallow.

Pleae help me with American Cancer Society Relay For Life campaign. I need your help and JUST $5.00 can make a difference.
http://ow.ly/1Bwtl

The liquid inside young coconuts can be used as a substitute for blood plasma.

The liquid inside young coconuts can be used as a substitute for blood plasma.

Pleae help me with American Cancer Society Relay For Life campaign. I need your help and JUST $5.00 can make a difference.
http://ow.ly/1Bwtl

The Statue of Liberty is actually a statue of two different people. The face was that of Charlotte Bartholdi, the mother of the designer Frederic Auguste Bartholdi. The sculptor's girlfriend, Jeanne-Emilie, was the model for the statue's arms and body.

Pleae help me with American Cancer Society Relay For Life campaign. I need your help and JUST $5.00 can make a difference.
http://ow.ly/1Bwtl

Relay for life in Lexington SC Amercan Cancer Society

This year, I am helping save lives from cancer by taking part in the American Cancer Society Relay For Life, and I’m hoping you will support me.

The American Cancer Society Relay For Life is a life-changing event that gives people across the globe a chance to celebrate the lives of people who have battled cancer, remember loved ones lost, and fight back against the disease. At Relay, teams of people camp out at a local high school, park, or fairground and take turns walking or running around a track or path. Each team is asked to have a representative on the track at all times during the event, because cancer never sleeps.

Relay For Life helps raise much-needed funds and awareness to help the American Cancer Society save lives from cancer and create more birthdays.

Please support me in my efforts by visiting my personal web page to make a secure, tax-deductible online donation.



Every donation really does make a difference. I know that times are tighter than normal for many of us, but any amount you can give truly can help save lives.

You see, thanks to your support, the American Cancer Society can:

Help people stay well by helping them take steps to prevent cancer or detect it early, when it’s most treatable

Help people get well by being in their corner around the clock to guide them through every step of their cancer experience

Find cures by funding groundbreaking research that helps us understand cancer’s causes, determine how best to prevent it, and discover new ways to cure it

Fight back by working with lawmakers to pass laws to defeat cancer and rally communities worldwide to join the fight

Each of us has our own reasons for caring about the fight against cancer … whatever your reasons, I hope you’ll choose to make a difference by making a donation online to support my efforts. I’m so grateful to have great people like you in my life who want to see an end to cancer in our lifetime. Together we can save lives.

Thank you, and I will keep you updated on my progress.
Edwin Gerace

Click here to support me

Spoke to kids at Trident Academy students about the value of Education and getting involved in school and community. http://ow.ly/1AvEf

Headed to Trident Academy to speak to students http://ow.ly/1AvCB

Vacant Homes are Not The easiest to sell

Vacant Homes are Not The easiest to sell

RISMEDIA, April 12, 2010—

A vacant house is like a vacant stare. Something is just not right.

Trying to sell a vacant house adds obstacles and depresses the sales price, says Showhomes, a nationally franchised home staging company. Showhomes uses live-in home stagers to lower the cost of staging and produce faster home sales. Take a look at their top five reasons why selling a vacant house is often a mistake in today’s market:

1. People don’t simply buy houses; they buy the next chapter of their lives.
This is an emotional experience and emotion influences what people buy and how much they will pay. Vacant houses are devoid of life, and the chance to make an emotional connection is lost.

2. Vacancy distracts buyers from looking at the house itself.
They wonder: "Is this a divorce? Why did they move out? Are they selling because they have money problems? Is this home hard to sell?" They’ll make a low-ball offer, thinking the owner is desperate. The buyer looks for issues instead of looking at the house. It is a distraction.

3. When a house is vacant, buyers focus on flaws.
They look at nail holes, carpet wear and gaps in the molding rather than how the space works. In a vacant house, floors, walls and ceilings are all the buyers see. This drives the price down. Buyers look for things that would cause them not to buy, not at the things that drew them to the house. This creates objections.

4. People can’t visualize how furniture fits.
An empty bedroom might appear awkward or a living room might seem cavernous. Some spaces might confuse buyers because a use is not obvious. Buyers are derailed and move on to the next house. When a home has furniture in it that is not to much, buyers can say " Our Couch is the smae size and would look the same there". They instead say, "Our Couch wont fit in that room"

5. Vacant houses don’t show as well as staged and occupied homes.
Without people, even the best home quickly looks and smells vacant. Dust settles, leaves scatter, and stale smell spreads. These cues often shorten the showing time, leading to fewer sales.
"Home owners don’t realize how much harder a vacant home is to sell. In today’s market, you have to win the beauty contest," says Thomas Scott, VP of Marketing at Showhomes. "Vacant houses simply underperform staged homes and the increased sales price provides an excellent return on what staging costs. Choosing to stage your home should be an easy decision in today’s market."

For more information, visit http://www.blogger.com/www.showhomes.com

DON"T WAIT, call NOW The Tax Credit is allmost over and it is not to late. Learn it all at the FREE HOME BUYER SEMINAR on Monday Nights at Lexington Library http://ow.ly/1yXi3

Forest Acres, SC Homes For sale http://ow.ly/1yYks

Summer Festival Season

Upcoming Events Section

Apr 17: Spring Bonanza - McCormick - local music, hot air tethered balloon rides, balloon sculptor, art & crafts, food

Apr 17: Touch-A-Truck - Columbia - kids will have fun exploring big rigs and

Apr 17-25: Striped Bass Festival - Manning - fireworks, dances, parade, children's rides,"Miss Striped Bass"

Apr 22: Thursday Night ReLeaf - Greenville - food, drinks, entertainment - a tree is planted in Greenville Co. for each ticket sold

Apr 22-24: Artista Vista - Columbia - 'crawl' the galleries of the Vista, many with refreshments and performing arts

April 22-24: Rholetter's Spring Bluegrass Festival - Long Creek in Oconee County - bluegrass bands, open jams - camping too!

Apr 22-24: South Carolina BBQ-Shag Festival - Hemingway - cook-offs, fireworks, rides, pageant

Apr 23: Wine Tasting at Riverbanks Botanical Garden - Columbia - plus food from local chefs and music

Apr 23-25: Colleton County Rice Festival - Walterboro - parade, crafts, 5K Rice Run, cooking contest, fireworks, street dance

Apr 24: Congaree Arts Festival - Columbia - State Museum displays artwork by South Carolina artists

Apr 24: Hilton Head Seafood Fest - Gourmet food, live music, "Iron Chef" competition, farmers' market, crab races, kid zone

Apr 24: Soft Shell Crab Festival - Port Royal - food, crafts, community booths

Apr 24: Sparkleberry Country Fair - Columbia - petting zoo, rides, food, crafts, tractors - proceeds benefit local schools

Apr 29 - May 1: Spring Festival on the Square - Abbeville - carnival rides, antique cars, talent show, Swingin' Medallions concert

Apr 29 - May 2: Black Cowboy Man or Myth African-American Festival - Rembert - concerts, horse show, period demonstrations

Apr 29 - May 2: Piedmont Plant and Flower Festival - Greenville State Farmers' Market - click, then scroll down

Apr 29 - May 2: SC Strawberry Festival - Fort Mill - "Strawberry Jam" music, rides, pageant, recipe & eating contests, fireworks

Apr 30 - May 1: Greer Family Fest - Live music, children's parade, KidsZone, Creation Station, arts & crafts, restaurant row

Apr 30 - May 1: Taste of Beaufort - Friday night is "Shag Night", dishes from local restaurants, 5K run

Apr 30 - May 2: Orangeburg Festival of Roses - Petting zoo, arts & crafts, airplane rides, Princess & Queen of Roses

Apr 30 - May 2: Spring Fling - Spartanburg - street festival - dozens of bands, art show, kids' carnival, food court

May 1: Charleston Dog Show - Demonstrations, exhibits, competition - proceeds benefit local animal rescue organizations
Learn more about how you can save an animal and help South Carolina's animal rescue organizations

May 1: Cinco De Mayo - Charleston - Mexican cuisine, salsa band, DJ, "Dancing with the Local Stars," professional dancers - benefit

May 1: Greer Family Fest - Live music, children's parade, KidsZone, Creation Station, arts & crafts, restaurant row

May 1: Heart & Sole Women's Five Miler - Columbia - run/walk 3 or 5 miles to raise heart disease awareness, post-race expo & celebration

May 1: Lowcountry Shrimp Festival & Blessing of the Fleet - McClellanville - entertainment, art, kids' corner, food

May 1: Miles of Hope - Rock Hill - 5K run or 1-mile fun run - benefits area hospice care patients

May 1: Peach Blossom Festival - Johnston - parade, rides and games, arts & crafts, food vendors, live entertainment

May 1: Rosewood Crawfish Festival - Columbia - kids' area, Creole & Cajun cuisine, live music, 'Crawdaddy Dash', pole vaulting - benefit

May 1: Spirit of South Carolina Adult Education Sail - PDF - Charleston - learn about marine science and maritime history

May 1: Spring Festival on the Square - Abbeville - amusement rides, antique car show, local performers, Swingin' Medallions concert

May 1: St. Francis Mud Run - Greenville - 4-person teams, kids' course - benefits Goodwill Foundation & Marine Toys for Tots Foundation

May 1: Taste of Beaufort - Features dishes from 15 local restaurants, live music, 5K race in the morning

May 1: Tour de Cure - Little Mountain - bicycling with choice of 4 routes, 5 miles to 100 miles - for American Diabetes Association

May 1-2: Battle for Columbia - Sandy Run - Civil War reenactment, period demonstrations, exhibits - don't forget your lawn chair

May 1-2: Black Cowboy Man or Myth African American Festival - Rembert - concerts, horse show, period demonstrations, and food

May 1-2: Humane Society of North Myrtle Beach Adoptathon - Reduced adoption rates - see some of the animals

May 1-2: Orangeburg Festival of Roses - Kids' area with inflatables, arts & crafts, car show, airplane rides, Princess & Queen of Roses

May 1-2: Piedmont Plant and Flower Festival - Greenville State Farmers' Market - click, then scroll down

May 1-2: South Carolina Strawberry Festival - Fort Mill - "Strawberry Jam" music, rides, pageant, recipe & eating contests, fireworks

May 1-2: Spring Fling - Spartanburg - street festival - dozens of bands, art show, kids' carnival, food court, Rock Band competition

May 1-8: North Charleston Arts Festival - Over 40 performances at various venues, art exhibits, kids' activities, fireworks

May 3: Government Finance Officers Association of SC Spring Conference - Columbia - seminars, networking

May 3 - Jun 5: Allendale Paleoamerican Expedition - Near Martin - help excavate the Topper Archaeological Site

May 6-8: South Carolina Poultry Festival - Batesburg-Leesville - parade, fireworks, chicken calling and Cook-Cluck-Win-A-Buck contests

May 7: Bid for a Cure - Columbia - wine tasting, silent auction - benefits South Carolina Chapter of the Leukemia & Lymphoma Society

May 7: Relay For Life of Clarendon County - Manning - benefits American Cancer Society

May 7-8: Allendale County Spring Cooter Fest - "Carolina Cooter" turtle races, carnival rides and games, live music, parade, fireworks

May 7-8: Walterboro Rodeo - Local riders welcome

May 7-9: Artisphere - Greenville - visual arts, live performances, opening night gala, 'Kidsphere' area, local restaurants

May 7-16: Myrtle Beach Bike Week and Spring Rally - Murrells Inlet - motorcycles - view City of Myrtle Beach's rules & ordinances

May 8: Bluegrass on the Waccamaw - Conway - live music festival, plus workshops, encouraging all to bring a lawn chair

May 8: Bluffton Village Festival - live music, children's activities, art vendors, ugly dog contest, Civil War reenactment, after hours party

May 8: Dragon Boat Charleston Festival - 250-meter paddling races celebrate cancer survivors

May 8: Lancaster Area Literacy Cooperative 5K Race for Literacy - Race location is USC-Lancaster - benefits increasing literacy efforts

May 8: Mayfest on Main - North Myrtle Beach - street festival with live music, car show, community stage, children's area, crafts, food

May 8: Ride for the Rack Breast Cancer Benefit - Spartanburg - poker run, auction, music, professional bull riding and barrel racing

May 9: Mother's Day - Sunday - Hooray Moms!

May 10: Confederate Memorial Day - Monday - observed state holiday

May 11-12: InnoVenture Southeast Conference - Greenville - information to assist small and medium enterprises grow

May 13-16: BMW Charity Pro-Am - Spartanburg - golf tournament benefits 99 charities - $7.3 million raised over the last 9 years!

May 13-16: Charleston Lindy Exchange - Lindy hop, balboa, blues dancing at various venues - DJs & live music

May 13-16: Greek Festival - Greenville - live music, folk dancing, children's rides, arts & crafts, tours, and lots of food!

May 14-15: Blue Ridge Fest - Pickens - music, food, car cruise-in, motorcycle ride - benefiting 13 local charities

May 15: Angel Walk - Mount Pleasant - 5K walk, pre-event expo, post-walk festival - for MUSC medulloblastoma research

May 15: Cateechee Fest - Ninety Six - honoring Native American heritage, performers, costume & tee-pee contests, plus Model A cars

May 15: HOGS Gone Wild Rally For The Rugrats - Myrtle Beach - motorcycles - benefits Toys For Tots & Freedom Alliance Scholarship

May 15: Strawberry Festival - Slater, Greenville County - pancake breakfast, music, food, arts & crafts

May 15: Tour de Midlands - Lexington - bicycling with choice of 4 routes, 15 miles to 102 miles - benefits Lexington Greenways Alliance

May 15-16: Blue Crab Festival - Little River - live music, arts & crafts, kids' area, food, community booths, car & motorcycle show

May 15-16: Carolina Children's Home BBQ Cook-Off Festival - Columbia - music, kids' activities, "Save the Pigs Party" - benefit
Learn more about barbeque in South Carolina

May 20-24: Greenwood Music Festival - "Vive La France!" - concerts, opera, movie - at various venues

May 21-22: Chesnee Festival - Midway rides, BBQ cookoff, live entertainment - benefits Kop's Kids Organization & Boys and Girls Club

May 28-30: Gullah Festival - Beaufort - entertainment, food, local tours, forums, plays

May 28-31: Freedom Weekend Aloft - Simpsonville - hot-air balloons, concerts, fun zone, disc dog nationals, amusement rides, car show

May 28 - Jun 13: Spoleto Festival USA - Charleston - international arts festival, performing and visual arts

May 29: Invitational Golf Tournament - Longs - four-man captain's choice - benefits Cedar Branch Community Empowerment Center

May 31: National Memorial Day - Monday - state and federal holidaySui

Tax Credit Tips

s part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed new legislation that:

• Extends the First-Time Home Buyer Tax Credit of up to $8,000 to first-time home buyers until April 30, 2010.
• Expands the credit to grant up to $6,500 credit to current home owners purchasing a new or existing home between November 7, 2009 and April 30, 2010.

Here is more information about how the Extended Home Buyer Tax Credit can help prospective home buyers become part of the American dream. If you have specific questions or need additional information, please contact a tax professional or the Internal Revenue Service at 800-829-1040.

Pending Home Sales Show some Spring in Gain

Pending Home Sales Show some Spring in Gain

Pending home sales rose in February 2010, potentially signaling a second surge of home sales in response to the home buyer tax credit, according to the National Association of Realtors. RISMEDIA, April 7, 2010

The Pending Home Sales Index (PHSI), a forward-looking indicator based on contracts signed in February, rose 8.2% to 97.6 from a downwardly revised 90.2 in January, and remains 17.3% above February 2009 when it was 83.2. The data reflects contracts and not closings, which usually occur with a lag time of one or two months.

Lawrence Yun, NAR chief economist, said the improvement is another hopeful sign. "The rise in buyer contact activity may signal the early stages of a second surge of home sales this spring. The healthy gain hints home prices are continuing to flatten," he said. "We need a second surge to meaningfully draw down inventory and definitively stabilize home values."

The PHSI in the Northeast rose 9.0% to 77.7 in February and is 18.9% higher than February 2009. In the Midwest the index jumped 21.8% to 97.9 and is 18.7% above a year ago. Pending home sales in the South increased 9.2% to an index of 107.0, and the index is 17.5% higher than February 2009. In the West the index fell 4.8% to 98.0 but is 14.6% above a year ago.
"Anecdotally, we’re hearing about a rise of activity in recent weeks with ongoing reports of multiple offers in more markets, so the March data could demonstrate additional improvement from buyers responding to the tax credit," Yun said.

Great source of information can be found at RISMEDIA

Dont forget The Tax Credit is Expiring Soon.

Edwin Gerace

http://www.edwingerace.com/

803-609-sold

Mortgage Money Update

Wednesday's bond market has opened fairly flat as investors cautiously prepare for today's important auction. The stock markets are showing losses with the Dow down 66 points and the Nasdaq down 5 points. The bond market is currently down 2/32, but we will probably still see an improvement in this morning's mortgage rates of approximately .125 - .250 of a discount point due to strength late yesterday.There is no relevant economic data scheduled for release today. Yesterday's FOMC minutes did shed some light on the Fed's current thought process about rates and the economy. They indicated that despite recent signs of the economy gaining strength, they have concerns that it may not be able to continue on that pace. Any concerns about the economy being able to expand are considered to be good news for bonds and mortgage rates. However, the minutes also hinted that the Fed may be closer to raising key short-term interest rates than some had thought. The lan guage that the Fed had been using of ?an extended period? when referring to how long they expect those rates to remain this low was clarified to mean a change could come sooner than what was previously thought. Overall, the release didn't hurt the bond market or mortgage rates, but didn't do much to help them either.There are two events worth watching today. The first is the 10-year Treasury Note auction, which is the more likely candidate to affect mortgage rates in my opinion. Results of the sale will be posted at 1:00 PM ET. Expectations for the sale are not high. If the investor demand was indeed weak, we may see selling in bonds this afternoon that lead to upward changes in mortgage rates. However, if we are surprised by a decent interest, particularly from international buyers, there is a good possibility of seeing bonds rally and mortgage rates move lower this afternoon.The second event is a speech by Fed Chairman Bernanke at 1:30 PM ET. He is speaking in Dallas and is expected to touch on the economy. So, it does make our radar as something worth watching out for. If he gives an indication that the economy will have a difficult time recovering at its current pace, we may see bonds react favorably as a result. I suspect that he will not say much that is a surprise, so the likelihood of this event impacting mortgage rates is moderate.There is no relevant economic data being posted tomorrow except for weekly unemployment figures from the Labor Department. They are expected to report that 435,000 new claims for unemployment benefits were filed last week. This would be a small decline from the previous week, but unless there is a large variance from that total, this data will have minimal influence on mortgage pricing.There also is the 30-year Bond auction tomorrow. It will be the same pattern as today's 10-year Note sale with results being posted at 1:00 PM ET. This sale is somewh at relative to mortgage rates, but not nearly important as today's 10-year Note sale is. We usually see similar results, so if today's sale goes badly, there is little likelihood of tomorrow's going exceptionally well.If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Float if my closing was taking place between 8 and 20 days... Float if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.

"I am." is the shortest complete sentence in the English language.

Flood Insurance NFIP

The United States Senate adjourned without approving H.R. 4851, which would have extended a number of programs including the National Flood Insurance Program (NFIP). Authority for the NFIP expired at midnight on Sunday, March 28th, which will delay real estate transactions where a NEW flood policy is required but has not been issued before the expiration date. Efforts to reach bipartisan agreement between the House and Senate failed over how to pay for the broader bill. A procedural motion has been filed in the Senate setting up a vote the week of April 12th. NAR has stressed with Congress the vital importance of flood insurance to the real estate market.
We will continue to make every effort and advocate for legislation that extends the program for as long as possible. Please be advised that NAR has issued a Call for Action (CFA) that has been sent to all members to ask Congress to renew the National Flood Insurance Program and the Rural Housing 502 Program. Both programs expired at the end of March without Congressional reauthorization. Congress must reauthorize NFIP as soon as they return in April.

Stewardesses and reverberated are the two longest words (12 letters each) that can be typed using only the left hand. The longest word that can be typed using only the right hand is lollipop. Skepticisms is the longest word that alternates hands. (one letter at a time)

SC Senate to vote on Cigarette Tax

After considerable debate and a number of amendments, the Senate gave second reading to H.3584 , increasing the cigarette tax, late Wednesday. As amended, the legislation increases the current 7 cents tax to 57 cents per pack, generating a total of $136.1 million. The majority of funds go to the South Carolina Medicaid Reserve Fund. Funds also go to a smoking prevention and cessation program, the Hollings Cancer Center for lung cancer research, the Department of Agriculture to promote SC grown products, and the I-95 Corridor Authority for a grant program for infrastructure. The bill must receive a third and final reading before it is returned to the House to consider Senate amendments. H.3584 passed the House with a 30 cents per pack increase.
Numerous amendments to the bill were considered on Wednesday, including a failed amendment offered by Senator Bright that would have directed cigarette tax revenue towards commercial property relief. Other amendments offered would have directed the revenue to public schools, the court system and aviation incentives; they were either tabled, withdrawn or failed to receive approval.

Carolina Politics Online » Haley Legislation to Require Recorded Voting Passes State House

Carolina Politics Online » Haley Legislation to Require Recorded Voting Passes State House

On Thursday, South Carolina state government became a little more accountable to the people. State Representative Nikki Haley’s bill H.3047, the Spending Accountability Act, finally passed the House and with a unanimous vote by the body. The current bill was filed in January of 2009, but the fight began long before. Haley even lost a committee appointment for pushing for this transparency against the wishes of the State House Speaker Bobby Harrell who I imagine is scared to death of his constituents finding out exactly just how much of their money he wastes on his own greedy self interests. The gravy train might leave the station.

Extended Home Buyer Tax Credit 2009/2010

The Basics:
Extended Home Buyer Tax Credit 2009/2010
As part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed new legislation that:
Extends the First-Time Home Buyer Tax Credit of up to $8,000 to first-time home buyers until April 30, 2010.
Expands the credit to grant up to $6,500 credit to current home owners purchasing a new or existing home between November 7, 2009 and April 30, 2010.
Here is more information about how the Extended Home Buyer Tax Credit can help prospective home buyers become part of the American dream. If you have specific questions or need additional information, please contact a tax professional or the Internal Revenue Service at 800-829-1040.

Latest news:
Tax Credit Extension a Positive Step Toward Real Estate Recovery (Nov.5)President's Podcast: Tax Credit Extended (Nov. 5)
Who Qualifies for the Extended Credit?
First-time home buyers who purchase homes between November 7, 2009 and April 30, 2010.
Current home owners purchasing a home between November 7, 2009 and April 30, 2010, who have used the home being sold or vacated as a principal residence for five consecutive years within the last eight.
To qualify as a “first-time home buyer” the purchaser or his/her spouse may not have owned a residence during the three years prior to the purchase.If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see: 2009 First-Time Home Buyer Tax Credit.

Which Properties Are Eligible?
The Extended Home Buyer Tax Credit may be applied to primary residences, including: single-family homes, condos, townhomes, and co-ops.
How Much Is Available?
The maximum allowable credit for first-time home buyers is $8,000.
The maximum allowable credit for current homeowners is $6,500.
How is a Buyer's Credit Amount Determined?
Each home buyer’s tax credit is determined by two additional factors:
The price of the home.
The buyer's income.
PriceUnder the Extended Home Buyer Tax Credit, credit may only be awarded on homes purchased for $800,000 or less.
Buyer IncomeUnder the Extended Home Buyer Tax Credit, which is effective on November 7, 2009, single buyers with incomes up to $125,000 and married couples with incomes up to $225,000—may receive the maximum tax credit.
These income limits have changed from the 2009 First-Time Home Buyer Tax Credit limits. If you or your client purchased a home between January 1, 2009 and November 6, 2009, please see 2009 First-Time Home Buyer Tax Credit.

If the Buyer(s)’ Income Exceeds These Limits, Can He/She Still Get a Credit?
Yes, some buyers may still be eligible for the credit.
The credit decreases for buyers who earn between $125,000 and $145,000 for single buyers and between $225,000 and $245,000 for home buyers filing jointly. The amount of the tax credit decreases as his/her income approaches the maximum limit. Home buyers earning more than the maximum qualifying income—over $145,000 for singles and over $245,000 for couples are not eligible for the credit.

Can a Buyer Still Qualify If He/She Closes After April 30, 2010?
Under the Extended Home Buyer Tax Credit, as long as a written binding contract to purchase is in effect on April 30, 2010, the purchaser will have until July 1, 2010 to close.
Will the Tax Credit Need to Be Repaid?
No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during this three-year period, the full amount credit will be recouped on the sale.


Information deemed reliable but not guaranteed.

Bond Market and Real Estate Market

Tuesday's bond market has opened in negative territory following a much stronger than expected piece of economic news. The stock markets are showing relatively minor gains with the Dow up 17 points and the Nasdaq up 4 points. The bond market is currently down 6/32, which should push this morning's mortgage rates higher by approximately .125 of a discount point.The Conference Board, who is a New York-based business research group, reported late this morning that their Consumer Confidence Index (CCI) for March stood at 52.5. This was a sizable increase from February's reading and higher than analysts had expected for this month. This means that surveyed consumers felt better about their own financial situations than many had thought. That can be considered bad news for bonds and mortgage rates because it indicates that they may be more willing to spend money, fueling economic activity.Tomorrow's only relevant data is February's Factory Orders. This data is similar to last week's Durable Goods Orders report, except that this report includes orders for both durable and non-durable goods, giving us a measurement of manufacturing sector strength. It is also the least important of this week's five reports. Unless it varies greatly from forecasts of a 0.5% increase, I suspect that it will be a non-factor in the mortgage market.Thursday and Friday brings us the most important data of the week. We will get the Institute for Supply Management's (ISM) manufacturing index late tomorrow morning and March's Employment report from the Labor Department early Friday morning. Both of those reports are considered to be highly important to the financial and mortgage markets, particularly Friday's data.If I were considering financing/refinancing a home, I would.... Lock if my closing was taking place within 7 days... Float if my closing was taking place between 8 and 20 days... Float if my closing was taking place between 21 and 60 days... Float if my closing was taking place over 60 days from now... This is only my opinion of what I would do if I were financing a home. It is only an opinion and cannot be guaranteed to be in the best interest of all/any other borrowers.

Overview of South Carolina’s Labor Markets, February 2010 Data

FROM Dr. Don Schunk, Research Economist, Center for Economic and Community Development
E. Craig Wall Sr. College of Business Administration, Coastal Carolina University
For additional information, contact: Dr. Don Schunk, Research Economist, dschunk@coastal.edu (843) 655-0995

February 2010 data on employment and unemployment for South Carolina were released March 26th by the South Carolina
Employment Security Commission and the U.S. Bureau of Labor Statistics.

Highlights from February 2010 Data:

• South Carolina’s unemployment rate during February was unchanged from a revised 12.5% in January.
Similarly, the national unemployment rate held steady at 9.7% during January and February. These recent readings
are consistent with labor markets beginning to show some stability. For example, the total number of initial jobless claims filed in South Carolina between January and mid-March this year was about 77,000, roughly 40% below the 127,500 claims filed during the same period in 2009.
As shown in the accompanying graph, seasonally-adjusted initial claims in South Carolina peaked in March 2009 and have been generally falling since, signaling a slowing in the pace of layoffs and indicating that our labor markets are approaching stability. However, further increases in the
unemployment rate are still possible as previously discouraged workers begin to return to the labor force. Over the last year, I have tried to bring attention to broader measures of both unemployment and underemployment. For the U.S., the Bureau of Labor Statistics estimates that this broader measure (known as U6) was 16.8% in February. I am estimating that the comparable South Carolina measure of U6 was about 20.6% in February.

• Total employment is down about 1.3% between February 2009 and February 2010. For all of 2009, total employment statewide fell by 5.5%. While job losses have slowed, we continue to wait for new hiring to begin. The economy continues to be characterized by high levels of excess capacity – in housing, commercial and office space, industrial production, and retail activity. This excess capacity suggests that the economy can begin to grow -- and it is -- but without the need for new construction, expansions, or substantial hiring. Perhaps even more troubling, however, is that even if South Carolina began to see job growth return immediately at historically normal
rates of growth, it could be 2015 before we returned to the level of employment reached in early 2008. This is almost certainly too optimistic: just over one-third of all jobs created in South Carolina between 2002 and 2007 were in construction and other housing-related sectors, retail trade, and local government. These sectors are not likely to produce large numbers of jobs in the coming years. This suggests that it could take even longer for the state’s economy to recover all of the jobs lost during this recession.

Overall, this month’s report is the best we’ve seen since the recession began. The state’s jobless rate held steady even with some growth in the labor force. An economic recovery is underway, but significant challenges remain. State and local governments in South Carolina have yet to feel the full brunt of the budget crisis, and a significant portion of households continue to directly feel the pain of the recession. A recovery is forming, but I expect it to remain fragile for an extended period