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PALMETTO HERO PROGRAM

PALMETTO HERO PROGRAM “ from SC Housing!
IT IS BACK

WHAT GROUP OR GROUPS WILL IT TARGET? · TEACHERS - POLICE OFFICERS - CORRECTIONAL OFFICERS - FIRE FIGHTERS AND EMS

WHAT AMOUNT ILL BE OFFERED? · Previous Program allows $5000 in Down Payment Assistance! BUT NOW THE TARGET GROUP CAN RECIEVE $7,000

WHAT WILL BE THE RATE? · Rate are likely to be attractive due to new relationship with US Bank – No longer dependent on Bond Sales

HOW MUCH FUNDS WILL BE AVAILABLE? · Previous program allocated a limited amount of funding for this program and it was used quickly!

Good for Teachers, Policemen, Correctional Workers, Fire and EMS.

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3 Tips to Getting Your Website to the First Page of Google ~ Social Media Advisors

3 Tips to Getting Your Website to the First Page of Google ~ Social Media Advisors
The concept of getting your website to the first page of Google seems like an almost impossible task to many. People spend months writing more and more content for their site, getting backlinks, and editing things without ever getting your website to the first page of Google. You feel defeated when your site stays on page 17 and just won't budge. Then one day you get a call from a company who promises “if you give us $395.00 per month, we will put your site on the first page of Google.” The part that these telemarketers neglect to mention is that the moment you stop paying them, your website will drop faster than lead balloon. As a former real estate agent, I used to get these calls regularly.
So, how can you actually get your website to the first page of Google? Well, there are a couple of really basic principles that you’ll need to implement. The “basics” are just that – basic. Before I share these, first you need to learn to not over-complicate things. Here are 3 easy steps to getting your website to the first page of Google:
1. Good, solid, keyword-rich content. So what is quality keyword-rich content? Basically, it’s content that gives something of value to consumers and search engines. You need to have keyword-rich posts that answer the questions your consumers have. Do not just spit out some random words and call it a post. If you write just to write and do not really have purpose, you are basically wasting your time if you are trying to get business. Develop a gameplan for your content and stick to it.
Ten well-written, targeted, keyword dense posts will bring a greater result than 100 posts that are thrown together quickly, with topics all over the place, and which contain piles of typos, grammatical errors, and more. This is a prime example of the principle of quality over quantity for the greatest result possible.
2. Writing Consistently on Your Blog. Many times people start working on getting their website to the first page of Google and after the first month or so they simply give up. One of the key factors to getting your website on the first page of Google is to consistently offer fresh content on your site. The easiest way to do this, of course, is to integrate a blog into your page.
You don’t need to have a Masters degree in English to have an effective blog. You just need to publish 2-3 good, quality posts each week that offer valuable content to your readers that are also written with your primary keywords in mind. One of the biggest excuses that I hear is that a business does not have time to write. According to HubSpot, businesses who blog receive 55% more visitors than companies who do not.
Here’s a simple time management strategy: On the weekend or whenever you have a few spare hours, (watching a football game, relaxing by the fire, etc.), sit down and write 2 or 3 really good quality posts. Then, on Monday, Wednesday, and Friday you can launch these pre-written posts. You can then take the rest of the week to respond to comments, etc. To the consumers and search engines, it appears as though you have written new content on three different days.
This practice is far healthier for your rankings than writing a bunch of content one day, then waiting 7-10 days to write more. Why? The search engines are constantly visiting your page to index more content. The freshness is important when it comes to Google’s indexing algorithm. Also, they see a constant stream of new stuff instead of a bunch on one day, then a week of dormancy until you get around to posting again. This is also helpful for your consumer audience of readers. If you publish 3-4 posts all at once, the likelihood of those posts bringing you good consumer traffic from those subscribed to your blog is minimal. Most consumers will read maybe one post, but will not have the time, attention span, or energy to read multiple posts.
3. Link, Link, Link! The more sites that are pointing links at your page (especially when titled with the keywords you are trying to achieve) will produce a great return. One easy way to get some great links pointing to your site is to make sure you have added your business site to your profiles on any and all networks you participate in. Links from higher ranking sites help the search engines realize that these sites recognize your website.
It is kind of like when Oprah endorsed KFC’s new grilled chicken promo. In no time, there were over 2 million coupons printed and many were left missing out on the promotion because of lack of supply. Links from reputable sites make your own site seem more reputable.
One thing for sure, you need to make positive that the links you insert places are actually working for you. Many networks block the search engines from following the links to prevent spam. (I will be writing more about this in the future.)
Another great way to get links, is to ask your friends and family members to place a link on their blogs, websites, etc. Two things with regards to linking: do not pay a link farm service. Search engines don’t value these links – I could go into great detail about why, but just rest assured that it’s a waste of time and money. The other tip is to not do a reciprocal link when possible. This means, if your brother links to your site, do not put a link back to his.
A detour. An easy alternative to reciprocal links is to have a link triangle. In this case, your brother links to your site, you link to your parents, and your parents link to your brother’s page. All links are one-way and none are going back and forth. The more links you can have pointed at your site, the better it will help in getting your website to the first page of Google. You can think of each link as a “vote” for your site.
If you implement just these three tips, it will help get your website onto the first page of Google. Obviously, there are plenty of other factors that contribute to this phenomenon. If you take these and not only integrate into your website, but also into your blog, the most vital part to your website, you will start seeing results in a rather quick fashion. These three items I discussed alone can make or break the effectiveness of a website.

If you have any questions, let me know. And by the way, 210 Consulting- Social Media Advisors offers some really great personal coaching taught by myself and Jason Crouch on this subject.
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Housing supplies steadily declining

Housing supplies steadily declining
New data from Altos Research shows that housing supplies have been steadily declining for the last 16 months. The company says there are 20 percent fewer homes for sale now than there were in 2008. Some fear this decline is because banks have been holding back their repossessed properties, but Altos doesn't expect this so-called shadow inventory to result in a real estate day of reckoning in 2010 as some market observers have warned.Scott Sambucci, VP of data analytics at Altos Research, says the industry won't see any effects from the supply of homes lurking in the darkness until inventory levels pick up. And he doesn't foresee that happening anytime soon, primarily because banks have no immediate motivation to offload these assets from their balance sheets, and are keenly aware that a sudden jump in the number of homes on the market could be detrimental to already-fragile property values. With a smaller selection of inventory, buyers will pay a higher price-the rudimentary concept of supply and demand. Sambucci says he's already seen definite evidence of a price floor in 2009. Home price statistics started out 2010 on a good foot, according to Altos' data, with seven-day moving averages within the company's index bouncing off their lows and starting to tick up. In addition, the number of homes with price reductions and the magnitude of these discounts are diminishing, although Sambucci says that could indicate buyers' willingness to pay more or it could just mean sellers are becoming more realistic about what they can get. Either way, price reduction stats, while still elevated, are moving in the right direction, he says.Altos' researchers expect to see some seasonal bounce back in prices and short-term strength in the coming months as a result of government stimulus, such as the homebuyer tax credit and the last of the Federal Reserve's purchases of mortgage securities. But Sambucci says that momentum will likely fall off toward the latter half of 2010, and any price gains seen this year will be lost as the government programs wind down. Altos Research expects home prices to start 2011 at the same level they are now in early 2010. Sambucci explained that if inventory continues to decline, by next year price points should become more attractive and activity can still be sustained.

Source: DSNews.com, Carrie Bay (01/27/2010)

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Fed sees signs of recovery

Fed sees signs of recovery
The Federal Reserve offered its most upbeat economic outlook in nearly a year at the conclusion of its regular two-day policy meeting recently. After emerging from the closed-door assembly, the Fed committee issued a statement that touted improvements in the labor market and business spending, but cautioned, recovery is likely to be moderate for a time." Taken directly, it may not sound like a rave review, but when you compare it to what Fed officials have been saying since last April-Economic activity is likely to remain weak for a time-it's certainly an improvement.Even with the rosier outlook, the Federal Reserve committee voted to keep the target range for its benchmark federal funds rate at 0 to 0.25 percent, and noted that "economic conditions...are likely to warrant exceptionally low levels of the federal funds rate for an extended period." The decision to maintain the near-zero rate, though, was not unanimous - the first dissenting vote among Fed policymakers since January 2009, according to a CNN report. Thomas M. Hoenig, Kansas City Fed president, said economic conditions had improved enough to make exceptionally low rates "no longer warranted," according to the central bank's statement. Fed officials are holding to their plans of pulling back from the secondary market in the coming months. The committee confirmed that its program to purchase mortgage-backed securities (MBS) and debt from the GSEs will come to a close on March 31, as previously signaled. By that time, the Fed says it will have bought $1.25 trillion of MBS and about $175 billion of agency debt. The Federal Reserve has already begun to slow the pace of these purchases to help facilitate a smooth transition when the agency makes its exit.

Source: DSNews.com, Carrie Bay (01/27/2010)

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Housing starts decline, permits rise

Housing starts decline, permits rise

Nationwide housing production fell four percent in December to a seasonally adjusted annual rate of 557,000 units, according to data released today by the U.S. Commerce Department. Meanwhile, permit issuance, which can be a future sign of housing activity, rose 10.9 percent last month to a seasonally adjusted annual rate of 653,000 units. Single-family housing starts fell 6.9 percent in December to a seasonally adjusted annual rate of 456,000 while multifamily starts posted a 12.2 percent gain to a seasonally adjusted annual rate of 101,000 units.Single-family permits rose 8.3 percent to a seasonally adjusted annual rate of 508,000 units in December while multifamily permits were up 20.8 percent to 145,000 units. On an annual basis, year-end figures from the Commerce Department show that overall housing starts declined 38.8 percent to 554,000 units. Single-family starts were down 28.7 percent for the year to 444,000 units while multi-family starts declined 61.1 percent to 110,000 units." These figures give us the first estimate of the worst year we've seen for housing production since the Census began recording these numbers," said NAHB Chief Economist David Crowe. "We remain cautiously optimistic about a recovery in 2010, as job growth begins to show positive signs by mid-year." Regionally, housing starts in December were down 19 percent in the Northeast, 18.5 percent in the Midwest and 0.9 percent in the West. The South posted a 3.3 percent gain.

Short Sales don't relieve Deficiency Judgement

You lost your house – but you still have to pay?

As terrible as it is to lose your house to foreclosure, at least it's a relief to put your biggest financial headache behind you, right?

Former homeowners may still be on the hook if there's a difference between what they owed on their mortgage and what the bank could sell it for at auction. And these "deficiency judgments" are ticking time bombs that can explode years after borrowers lose their homes.
It can even happen to people who got their bank to approve them selling their home for less than it is worth. Some banks issue 1099 for the difference and make home owners pay taxes on the short amount as well

Sad Examples are that
Mr. Jones does a Short Sale, His bank 2-4 years latter sends a letter demanding 1- Payment of short sale amount or them to claim Bankrupcy. This is the dark cloud that looms over the future Short Sales

Whether banks can and will pursue deficiency judgments depends on many factors, including what state the borrower lives in and whether there's a second mortgage or other liens. But if borrowers ignore the possibility of deficiencies, it could haunt them

Lenders may release property liens in order to facilitate short sales without releasing borrowers from their obligations to pay under the promissory notes. The secured debt can convert to an unsecured one after the sale

Releasing title does not necessarily end the debt. It's complicated because of variations in state law, but, generally, a mortgage has two parts: a pledge of collateral, represented by the home, and a promise to pay off the loan

You lost your house

You lost your house – but you still have to pay?

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Mixed messages for home price

Mixed messages for home price

Data through November 2009, released today by Standard & Poor's for its S&P/Case-Shiller Home Price Indices show that the annual rates of decline of the 10-City and 20-City Composites continue to improve, in spite of price declines being measured across many markets during November. This marks approximately 10 months of improved readings in the annual statistics, beginning in early 2009, and is the third consecutive month these statistics have registered single digit declines, after 20 consecutive months of double digit declines. Four of the markets-Charlotte, Las Vegas, Seattle and Tampa-posted new low index levels as measured by the past four years. In other words, any gains they might have seen in recent months have been erased and November is now considered their current trough value. On the flip side, there are still some markets that continue to improve month-over-month. Los Angeles, Phoenix, San Diego and San Francisco have seen prices increase for at least six consecutive months. Looking at the annual figures, four markets-Dallas, Denver, San Diego and San Francisco-have finally entered positive territory, something we really haven't seen in at least two years in most markets. Charlotte, Las Vegas, Seattle and Tampa all reached new low levels in November. For Las Vegas, in particular, prices have declined for 39 consecutive months, with a peak-to-trough reading of -55.6%. It is now just 4% above its January 2000 level. This compares to its peak in August 2006, when the average home price was 135% above that same level.

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