Lexington South Carolina Real Estate

Sharing Your Blessings

Laura Jefferson (Acquire Real Estate) — Thu, 17 Dec 2009 09:13:59 -0600

While writing your list of what to buy for whom this year, don't forget the "least of our brethren" by doing God's work and SHARING.

Have you been KIND to your fellow man? Have you "taken up" for the underdog? Have you helped someone out this year - financially, emotionally or otherwise, as needed?

It's NOT TOO LATE; in fact, it's a PERFECT time of the year to share some of the blessings you have received with someone less fortunate. This time each year, I seek out one special person to help throughout the coming year. This year was "Charlie" and I already have next year's recipient selected.

Share what you have been blessed with and feel good about yourself. The more you give, the more you will receive in order to continue to "give". This is what life is all about and what God intended for us to do.

Blessed and Happy Holidays, Everyone.

I specialize in Buying and Selling Lexington South Carolina Real Estate in and around the Midlands of South Carolina. If you are thinking about buying or selling your home in Lexington, Lake Murray, Gilbert, Irmo, West Columbia, Columbia, Red bank, Pelion, Gaston, Chapin, Prosperity, Saluda, Newberry or other surrounding areas of South Carolina, and more importantly, want to work with the local area expert, please contact me at your earliest convenience.

Pro-Consumer GFE/HUD Rules Coming In January of 2010!

Laura Jefferson (Acquire Real Estate) — Wed, 16 Dec 2009 07:11:53 -0600

Via Gabrielle (Kamahele) Rhind, Associate Broker (Tierra Antigua Realty, Tucson AZ Real Estate):

Many buyers have seen last minute mortgage-settlement cost shocks and mystery junk-fee charges that pop up last minute or the "good-faith estimates" from lenders saying that closing costs would be about $2,000, but doubled to $4000 on the final settlement sheet. Worse - the Buyer had to come up with the extra money to cover the surprise costs or the sale or refinance just isn't going to happen.

But drastic changes are coming. On January 1, new federal rules adopted by the Department of Housing and Urban Development will implement pro-consumer real estate and mortgage transactions across the country. The bottom line? Lenders who lowball fees - and/or "surprise" Buyers at the last minute with extra fees, will have to pay these fees - instead of the consumer.

Also, loan charges and settlement fees will be clearly stated on a revised, consumer-friendly version of the good-faith estimates (GFE). Lenders must provide this GFE to the borrower within three days of their mortgage applications.

Charges must fall into three categories on the form:

• Fees that cannot increase from upfront estimates to final closing. These include lender's or broker's origination fee, processing and underwriting charges, (a huge source of junk fees), lender's or broker's loan discount "points", and local transfer taxes.

• Fee estimates that can, may increase by as much as 10 percent from upfront estimates if they are on a lender approved list. Common charges here include appraisals; lender's title insurance and settlement services where the borrower chooses a firm on a list approved by the lender; owner's title insurance when the borrower chooses a company on the lender's approved list; and recordation charges by local governments. Keep in mind, these are combined fees of charges that cannot increase more by more than 10%. Total.

• Fees that can increase without limit, due to factors beyond the lender's control and come from non-lender approved lists. These include lender-required services where the borrowers choose a title insurance, escrow or other settlement company that is not on the lender's list; the cost of homeowners' hazard insurance; daily interest charges on the loan; and the amount of the initial deposit by the borrower into an escrow account.

Other benefits to the new rules:

The new good-faith estimate encourages loan applicants to shop and compare lenders. The form includes space for comparing up to four competing lenders' GFEs on interest rates, rate locks, prepayment penalties or balloon payments, among other factors. The cost estimates you receive from each competitor are required to remain available for 10 business days. Interest rates can change unless locked by the lender and borrower.

The new GFE rules include an updated standard closing-cost statement, also known as the "HUD-1." The revised HUD-1 is programmed into the GFEs allowing consumers to directly compare, line by line, what they were told upfront by a lender to the actual close costs.

The new rules requires disclosure of fee splits between the insurance underwriter - the company actually insuring the title - and the title agent, who is often the settlement agent. Consumers may be stunned to learn that in some markets, 80 percent to 90 percent or more of the premium they pay at closing actually goes to the title agent - and not the insurance itself.

Source: Class on the new rules and HUD and Dept of Urban Development website.

Gabrielle (Kamahele) Rhind - 2009. If you want to reprint parts of this - just email me for my permission rhindohana@msn.com or TucsonsRealEstate@gmail.com. Buying or selling Tucson real estate, Mt Lemmon, Tucson bank-owned homes, Tucson rental homes, or Tucson lease option homes? Visit www.BuyMyTucsonHome.com.

things to do in Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 10 Dec 2009 07:09:34 -0600

things to do in Lexington South Carolina

Snowville Friday, Dec 11 9:00a at EdVenture, Columbia, SC Children and families from all across South Carolina can visit Snowville - EdVenture's winter play land, located in the Southeast's largest children's museum. Enter a make-believe world of imaginative play in the North Pole, become a scientist and study penguins at the South Pole, get creative in an igloo-building activity, create your own snowflake and discover more about the science of snow and ice.

Crafty Feast Saturday, Dec 12 11:00a to 5:00p at The Tapp's Building, Columbia, SC. Over 35 vendors from the Southeast will be participating in Columbia’s independent craft fair. These crafters focus on experimental, non-traditional and unique handmade or repurposed crafts. Vendors are coming from around the Southeast to bring their original jewelry, bags, clothes, funky children's items and more.

A night in Bethlehem Wednesday, Dec 16 6:00p to 8:00pat North Trenholm Baptist Church, Columbia, SC. A hands on Holy Land experience. A night of crafts, shops, food and fun. You'll enjoy festive music, wander through the market-place, encounter a frantic census taker, and meet shepherds with a remarkable story to share. You may pre-register at our website for less wait time upon arrival.

Christmas Peddler craft show Saturday, Dec 12 10:00a at Tri-City Leisure Center, West Columbia, SC. Local/regional arts and crafts show. Handmade items only. Visit from Santa and Olaf the Elf. Door prizes. Local entertainment.

Lights Before Christmas Sunday, Dec 13 6:00p at Riverbanks Zoo and Garden, Columbia, SC Bring the kids and the camera and see why Lights Before Christmas has continued as a family tradition for more than 20 years. Nearly one million twinkling lights. Countless animated images. Dazzling Music in Motion Lights spectacular. Nightly visits with Santa through Christmas Eve. Warm memories and holiday cheer around the Jingle Bell Bonfire.

This man called Jesus a passionate drama performed in Lexington South Carolina at Lake Murray Baptist church. It is a Christmas Drama that draws thousands each year from near by states. 40,066 attended in 2008 during 17 performances over three fabulous weekends. Presented by a costumed cast of over 405 with live animals, inspiring music, drama, awesome sound effects and lighting, this is a "must see" Christmas holiday event! Venue website

Holiday Lights on the River For 37 magical nights this holiday season, Saluda Shoals Park will come alive in a blaze of more than a million sparkling lights. Holiday Lights on the River features over 300 themed, animated light displays on a two-mile loop of the Park!

Martina McBride has been rescheduled UGHH

Ribbon Cutting-Lake Murray Hearing When: Mon Dec 14, 2009, 12:00pm Ribbon Cutting at Lake Murray Hearing. at noon on December 14 at Lake Murray Hearing . They are located at 109 Suite B Vista Oaks Drive (the corner of Old Chapin and Old Cherokee in Lexington SC)

With so many things to do in Lexington SC how is one to chose? There are some really must do's on this list!

Experience the Magic, Holiday Lights on the river

Laura Jefferson (Acquire Real Estate) — Tue, 08 Dec 2009 08:54:48 -0600

Holiday Lights on the river at Saluda Shoals Park

The Midlands of South Carolina Largest Drive-Through Lights Show!

Experience the Magic

For 37 magical nights this holiday season, Saluda Shoals Park will come alive in a blaze of more than a million sparkling lights. Holiday Lights on the River features over 300 themed, animated light displays on a two-mile loop of the Park!

Enjoy the dazzling Dancing Forest with it's dancing, lighted trees synchronized to classical and whimsical holiday music. See the expanded three dimensional Victorian Village in lights. Watch as Old Man Winter create an icy winter wonderland in Let it Snow and enjoy the holiday classic Twelve Days of Christmas in sparkling lights.

New this year!!! Winter Wonder Ride at Holiday Lights on the River

New at Holiday Lights this year is the Winter Wonder Ride. Get ready for the slide of your lifethrough a series of lighted arches on our outdoor winter fun ride! Try your hand at downhill tubing without the snow on this 125 foot, exciting, fun-packed family experience. Tubes are provided. The Winter Wonder Ride is suitable for children and adults 42" and taller. If you are under the age of (4) you must be accompanied by your parents or guardian.

Fee: $2 per ride with Holiday Lights admission

Open Friday and Saturday nights only November 27-28, December 4-5 and December 11-12

Also open nightly from 6-10 p.m. during the Nights of Wonder, December 17-23 at Saluda Shoals Park

772-1228 or www.icrc.net

NIGHTS OF WONDER

Join us December 17-23 only for Nights of Wonder and enjoy seven fun-filled evenings of family activities. Take a ride on the Red-Nose Express Hayride, or ride the Saluda Shoals Choo-Choo. Enjoy a leisurely trip through the lights in a horse-drawn carriage. Concessions, crafts to make & take home, roasting marshmallows and a visit with Santa are additional highlights of the Nights of Wonder! Nominal fees ($1-$5) for concessions and activities apply. Holiday Lights on the River is a magical experience you won't want to miss!

Nights of Wonder Activity Fees

Crafts: $1.00 per craft

Carriage Rides: $5.00 adults, $3.00 under 12

Hayride: $2.00 per person

Train Ride: $2.00 per person

Winter Wonder Ride: $2.00 per person

Concessions:

3 cookies: $1.00

3 marshmallows on a stick: $1.00

Soft Drinks: $1.00

Hot Chocolate: $1.00

Hot Cider: $1.00

Bottled Water: $1.00

Popcorn: $1.00

Holiday Lights Admission
Cars: $10 15-Passenger Vans: $20 Buses: $35

Holiday Lights Group Rates (cars only)
1-9 $10.00 per car pass
10-24 $9.00 per car pass
25-49 $8.00 per car pass
50+ $7.50 per car pass

Dates, Times and Location
November 25-December 31, 2009, 6:00-10:00 p.m. Saluda Shoals Park, 5605 Bush River Road

Nights of Wonder-December 17-23 only! 6:00-10:00 p.m. Environmental Education Center, Saluda Shoals Park

Winter Wonder Ride - Friday and Saturday nights only November 27-28, December 4-5 and December 11-12

December 17-23 open nightly from 6-10 p.m. during Nights of Wonder

Directions
From Interstate 20-Exit at Bush River Road. Turn west on Bush River and continue to the traffic light at St. Andrews Road. Turn left onto St. Andrews Road, then left again at the third traffic light to continue on Bush River Road. The Park entrance will be 1.5 miles on your left.

From Interstate 26-Exit at Piney Grove and turn west. Proceed 2 miles to St. Andrews Road. Turn right onto St. Andrews, then left at the first traffic light onto Bush River Road. The Park entrance is 1.5 miles on your left.

Contact Us
Call 803-772-1228 for additional Holiday Lights information or visit Saluda Shoals Park!

This man called Jesus

Laura Jefferson (Acquire Real Estate) — Mon, 07 Dec 2009 13:26:08 -0600

THIS MAN CALLED JESUS is a passionate drama performed in Lexington South Carolina at Lake Murray Baptist church. It is a Christmas Drama that draws thousands each year from near by states. 40,066 attended in 2008 during 17 performances over three fabulous weekends. Presented by a costumed cast of over 405 with live animals, inspiring music, drama, awesome sound effects and lighting, this is a "must see" Christmas holiday event! This two-hour production brings to life before your eyes the story of "Jesus" beginning with his birth and continues with his ministry, miracles, trial, and death by crucifixion, glorious resurrection and awesome ascension. A spectacular "Heaven" scene finale' leaves the audience in awe! Bring all your family and friends! Arrive early as seating is on a first-come, first- serve basis. Free parking.

Since 1988,total of 429,161 have attended the annual drama, and 13,213 have made life-changing decisions of professions of faith and re-dedications. In 2008, 40,066 attended during 17 performances. The drama mailing list consists of over 28 states and 510 cites. For a full list of performance time's click here. This is a must see show for all.

Lexington South Carolina's Christmas Parade

Laura Jefferson (Acquire Real Estate) — Sat, 05 Dec 2009 14:56:35 -0600

Lexington South Carolina's Christmas Parade

The Christmas season will be welcomed to Lexington South Carolina by all this Sunday December the 6 TH at 3:30PM. The parade will feature local bands, floats, beauty queens and all of our local politicians.

Come out and enjoy a great day with the family in my great little Lexington South Carolina.

things to do in Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 03 Dec 2009 06:41:25 -0600

things to do in Lexington South Carolina

The Radio City Christmas Spectacular Sunday, Dec 6 5:00pat University of South Carolina: Colonial Life Arena, Columbia, SC. The Radio City Christmas Spectacular, starring the world famous Rockettes will appear at the Colonial Life Arena for the First Time Ever. This beloved holiday show will delight the entire family when it hits the stage in Columbia on December 6, 2009. The Arena production was specifically designed for large-scale venues and replicates the grandeur of the Christmas Spectacular at Radio City Music Hall on an entirely different scale

Snowville - EdVenture's winter play land Friday, Dec 4 9:00a at EdVenture, Columbia, SC Children and families from all across South Carolina can visit Snowville - EdVenture's winter play land, located in the Southeast's largest children's museum. Enter a make-believe world of imaginative play in the North Pole, become a scientist and study penguins at the South Pole, get creative in an igloo-building activity, create your own snowflake and discover more about the science of snow and ice.

Holiday Main Street Marketplace Friday, Dec 4 10:00a to 2:00pat Columbia Museum of Art, Columbia, SC. City Center Partnership’s Holiday Main Street Marketplace. Find that perfect gift this season at this open-air market. It is located at the corner of Main & Hampton Streets in front of the Columbia Museum of Art. Features holiday specialty items, prepared foods, baked goods, art, photography, books, handmade crafts, and much more.

Candlelight and Carriage tour Friday, Dec 4 5:30p to 8:30p at Robert Mills House and Gardens, Columbia, SC. The Robert Mills House will be open for lantern tours for one evening only. Costumed guides will lead tours. After the lantern tour, visitors can tour the Robert Mills Historic Garden District on horse-drawn carriage. Call (803) 252-1770, ext. 24 for reservations or reservations@historiccolumbia

Babes in Toyland Saturday, Dec 5 7:00p at Town Theatre, Columbia, SC . This delightful holiday musical classic features over fifty talented and enthusiastic young people from the Midlands. Fee photos with Santa.

The Living Christmas Story A Columbia and Lexington Favorite Friday, Dec 4 6:00p to 9:30p at Union United Methodist Church, Columbia, SC 16th annual “The Living Christmas Story” nativity.A true delight you don't want to miss.

Oyster Roast and Toast Saturday, Dec 5 7:00p at Gamecock Pavilion, Columbia, SC .All-you-can-eat Oysters, chili and vegetarian chili by Blue Marlin Signature Catering, open Beer and wine bar and live music by The Blue Laws. A benefit hosted by The Greater Columbia Jaycees (501c3). Email community@columbiajaycees.org or visit our website www.camphoperoast.webs.com .Camp Hope is a camp for SC’s mentally handicapped citizens aged 8 and up.

Tour of Decorated Historic Homes Saturday, Dec 5 10:00a to 4:00p at Robert Mills Carriage House, Columbia, SC. Visitors can take guided tours of decorated house museums including the Robert Mills House, Hampton-Preston Mansion and Mann-Simons Cottage. All tours offer a glimpse of the holidays during late 19th and early 20th century Columbia. Reservations required.

Town of Lexington SC 34th Annual Caro-lighting Thursday, December 3, 6:30 p.m. Virginia Hylton Park (located behind Lexington Municipal Complex – 111 Maiden Lane ) Enjoy music of the season from Higher Ground of Saxe Gotha Presbyterian Church,members of the Lexington Middle School 7 th and 8 th Grade Chorus, and the Lexington KEYS After-school Program Choir. See the lighting of the Town's Christmas tree, enjoy hot chocolate and cookies and visits with Santa. The event is free and open to the public. Bring lawn chairs or blankets.

Some great Things to do in Lexington SC this week with holiday fun for all!

things to do in Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Fri, 27 Nov 2009 06:27:54 -0600

things to do in Lexington South Carolina

USC Gamecocks VS Clemson Tigers Saturday, Nov 28 12:00p Home to the University of South Carolina Gamecocks is Williams-Brice Stadium, recognized as one of the finest facilities in all of college football. Carolina annually ranks among the nation's leaders in attendance and Gamecock fans are regarded as some of the most loyal in the country.

Miley Cyrus Saturday November 28, 2009 at 7 PM The Miley Cyrus concert will be the first appearance for the teen sensation in Columbia and it will also be the first show in Colonial Life Arena history that will have no physical tickets or box office sales.

Trans-Siberian Orchestra Sunday, Nov 29 8:00p With the long awaited new album Night Castle on the verge of being released, Trans-Siberian Orchestra, one of rock music's biggest arena attractions, announces it will once again launch another monumental North American tour playing more than 80 cities in a nine-week period beginning Nov. 1st. Their annual tour continues to grow and local fans will be in amazement at the dazzling visual experience the band displays with another year of music and lights!

Lights Before Christmas Thursday, Dec 3 6:00p at Riverbanks Zoo and Garden, Columbia, SC Bring the kids and the camera and see why Lights Before Christmas has continued as a family tradition for more than 20 years. Nearly one million twinkling lights. Countless animated images. Dazzling Music in Motion Lights spectacular. Nightly visits with Santa through Christmas Eve. Warm memories and holiday cheer around the Jingle Bell Bonfire.

Ann Brodie's CAROLINA BALLET NUTCRACKER #1 Sunday, Nov 29 3:00pat Koger Center for the Arts, Columbia, SC

Snowville Saturday, Nov 28 9:00a at EdVenture, Columbia, SC Children and families from all across South Carolina can visit Snowville - EdVenture's winter play land, located in the Southeast's largest children's museum. Enter a make-believe world of imaginative play in the North Pole, become a scientist and study penguins at the South Pole, get creative in an igloo-building activity, create your own snowflake and discover more about the science of snow and ice. read more

Harborside Lights Friday, Dec 4 6:00p to 9:00p at Lake Carolina Town Center, Columbia, SC It's that time again! Celebrate the holiday season at Harborside Lights on Fri., Dec. 4 from 6-9 p.m. in Town Center and on the Village Green. Your favorite Town Center merchants will be showing off their best holiday decor so stop in to say hello, grab a tasty treat and see what fun activities they have in store for you! read more

Be Thankful

Laura Jefferson (Acquire Real Estate) — Thu, 26 Nov 2009 05:54:26 -0600

Be thankful that you don't already have everything you desire.
If you did, what would there be to look forward to?

Be thankful when you don't know something,
for it gives you the opportunity to learn.

Be thankful for the difficult times.
During those times you grow.

Be thankful for your limitations,
because they give you opportunities for improvement.

Be thankful for each new challenge,
because it will build your strength and character.

Be thankful for your mistakes.
They will teach you valuable lessons.

Be thankful when you're tired and weary,
because it means you've made a difference.

It's easy to be thankful for the good things.
A life of rich fulfilment comes to those who
are also thankful for the setbacks.

Gratitude can turn a negative into a positive.
Find a way to be thankful for your troubles,
and they can become your blessings.

Happy Thanksgiving from Laura Jefferson and my wonderful Family!

'Twas the month before Clutter-mas (Warning: Reading this may result in an uncomfortable feeling)

Laura Jefferson (Acquire Real Estate) — Tue, 24 Nov 2009 07:50:45 -0600

Via Deena Cottingham, Home Stager & Photographer (GreenApple Staging & Images, Calgary Staging & Photography):

‘Twas the month before Clutter-mas, and all through the house
Not a creature could find anything, barely even their spouse.
The stockings were hung by the chimney with greed,
hoping for things that they didn't even need.

The children were nestled with lumps ‘round their beds,
While visions of Mortal Kombat danced through their heads.
Mamma had her list made for quite a long time,
Clothing, perfume, and purses - all the latest designs.

When out on the lawn there arose such a clatter,
I sprang from the bed but tripped on a ladder.
How did that get there? Oops, I've forgotten!
Out of mind now that I've stepped on somethin' rotten!

I made my way through the debris on the floor,
And suddenly thought of what I needed some more . . .
I caught a glimpse of the new SLX30,
as my neighbour drove passed - it shure was purdy.

When much to my displeasure, who should appear,
but a little boy and his dog going through the garbage out rear.
He lifted the lid and it fell from his hand,
As he shouted with glee at what he thought was so grand . . .

"Look! Chicken and veggies! Plus hardly used sneakers!
And a portable stereo with tiny little speakers!
From the top of the pile, to the bottom of the can
Let's stash this away! Pack it away!" They took it and ran!

They went down the alley and got quite a-ways,
When suddenly they stopped and seemed in a daze.
The boy looked down at all the things in his sack,
Guilt crossed his face; then he turned to bring it all back.

And then, like a tickle, a thought entered my head,
like a light breaking forth from a place that was dead.
It started out dimly, and got bright in a minute,
it grew and it grew, until my heart was committed.

I looked - he was dressed in rags from his head to his foot,
and his clothes were all tarnished with ashes and soot.
An ill-fitted jacket he had flung on his back,
and I knew he was homeless, carrying that pack.

But his eyes, how they twinkled when he saw those treasures,
in our trash heap of all places - oh what measures!
I realized, then, that he doesn't get many meals,
my head fell, unable to imagine how that must feel.

Shame coursed through my veins as I thought of our stuff,
I couldn't take it anymore, so I shouted, "Enough!".
We have and we have, and then want even more,
we have run out of places to keep it and store.

He was skinny and alone, with no place to stay,
a tear spilled from my eye as I was convicted that day;
We weren't any happier because of these things,
It is what we can . . . give . . . that happiness brings.

He spoke not a word, but went straight to his work,
And re-filled the trash can, before he turned with a jerk.
But I was down the stairs quickly and flew out of the door,
I desperately shouted, "Wait! We have so much more!"

"We have clothes and food and things that we waste,
Please come in from the cold, let us make haste."
Instead he gently urged, then vanished from sight,
"Give a happy Christmas to all, and to all a good life."

An original adaption by Deena Cottingham
Based on, "'Twas the night before Christmas" by Clement C. Moore

____________

Clutter and "stuff" (especially around the holidays) is an on-going battle in our household. We've evolved and made changes to how we choose to celebrate, reward and purchase throughout the years--admittedly, on a rather small scale. I lay awake the other night thinking about this issue and got inspired to write this.

We received the World Vision catalog in the mail, and my kids decided that we should all chip in for several gifts this holiday season (Canada, US & international). There are many other people and organizations, even in our own backyards, that are also worthy of being remembered.

Happy Thanksgiving to my American friends.

Deena Cottingham

GreenApple Staging & Images
Serving Calgary and Okotoks, Alberta

Lexington South Carolina's Rocky Creek Elementary Zoning

Laura Jefferson (Acquire Real Estate) — Fri, 20 Nov 2009 07:49:11 -0600

The new Rocky Creek Elementary school located on Caulks Ferry Road in Lexington South Carolina is well underway of being completed for the 2010-2011 school year. The brand new 117,000 Square foot facility will give so much needed relief to the growing Lexington SC area in many ways. It will split the attendance of Lake Murray Elementary's and Pleasant Hill Elementary's current 2052 students. Each school will now have approximately 700 student each. Traffic congestion and valuable class space will once again be back to a great level.
Lynn Boyleston will be heading the new Rocky Creek school after serving as our Principal in Lake Murray Elementary for the last 7 years.Lynn is someone who truly cares about your children and takes the time to know them all on a first name basis.
Lexington is blessed to have such nice new facilities being built for our children's education and it shows by the Lexington School District rankings and performance. Some of the best in South Carolina.

things to do in Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 19 Nov 2009 07:28:01 -0600

things to do in Lexington South Carolina

Lights before Christmas Saturday, Nov 21 6:00 pm at Riverbanks Zoo and Garden, Columbia, SC. Columbia's longest running holiday tradition, Lights Before Christmas illuminates the Zoo with nearly one million twinkling lights and more than 350 handcrafted images. Make a stop at the holiday village and take your photo with Santa. Roast marshmallows at the Jingle Bell Bonfire, and be sure to wear your hat - it snows nightly at Riverbanks during Lights Before Christmas. This is the opening night and a event you dont want to miss. If you cant go this Saturday dont frett. There is plenty time left. November 21 - January 3 (closed November 26, December 24, 25 and 31) @ 6:00-9:00pm

Snowville Saturday, Nov 21 9:00a at EdVenture, Columbia, SC .Children and families from all across South Carolina can visit Snowville - EdVenture's winter play land, located in the Southeast's largest children's museum. Enter a make-believe world of imaginative play in the North Pole, become a scientist and study penguins at the South Pole, get creative in an igloo-building activity, create your own snowflake and discover more about the science of snow and ice. read more

Decorated Historic Home tour. Friday, Nov 20 10:00a to 4:00p at Robert Mills Carriage House, Columbia, SC. Visitors can take guided tours of decorated house museums including the Robert Mills House, Hampton-Preston Mansion and Mann-Simons Cottage. All tours offer a glimpse of the holidays during late 19th and early 20th century Columbia. Reservations required.

Wild Wild West Saturday, Nov 21 11:00am at Riverbanks Zoo and Garden, Columbia, SC Transform into a cowboy or cowgirl during this fun class about animals found in the desert. Riverbanks is a 170-acre Zoo & Garden featuring two distinct parks along the scenic Lower Saluda River. Riverbanks Zoo houses more than 2,000 animals in natural habitat exhibits.

Holiday Greenery Workshop Saturday, Nov 21 1:00p to 3:00pat Robert Mills Carriage House, Columbia, SC Local experts will demonstrate how to decorate with fresh greenery for the holidays. Reservations required. (803) 252-1770, ext. 24 or reservations@historiccolumbia.org

Blues Jazz and Beyond Monday, Nov 23 6:00p to 9:00pat Dog House, Lexington, SC Come to the Doghouse Monday night, forget your blue Monday and enjoy live Blues, Jazz and Beyond. So unwind in Lexington,SC at the Dog House.

Roller Derby Bout Saturday, Nov 21 5:30p to 9:00p at Jamil Temple, Columbia, SC The Columbia QuadSquad vs the Soul City Sirens at the Jamil Temple. Doors open at 5:30 pm and the bout begins at 6:30 pm. Tailgating is not allowed at this time. Bring your chairs if you want to sit track side (18 and older only. Bleacher seating is available. One dollar of every ticket sale goes to Children's Chance.

Anberlin Sat 11/21 at Headliners In today’s instantly downloadable and quickly consumed culture, bands like Anberlin are a dying breed. Over the course of six years and four full-lengths (including last year’s B-side compilation Lost Songs), the band have established themselves as one of alternative rock’s most exciting acts and as a band who refuse to limit themselves to one specific scene or sound... and it’s paid off. If the band reinvented themselves with last year’s sprawling album Cities—which debuted in the Billboard Top 20 and sold 34,000 copies its first week of release—they’ve transcended that sound with New Surrender.

Inspired by the Saluda When: Fri Nov 20, 2009, 6:00pm Saluda River Club homeowners, guest and prospective homeowners are invited to an exclusive showing of artwork by local and international award-winning artists. Original paintings, photographs, silverwork and more will be on display, and for sale, at the Chickawa Outdoor Center. Join us for Opening Night with the Artists. Come meet the artists and mingle with neighbors and friends. For additional info call 803-206-4131

Candlelight Holiday Open House Thursday Nov 19, 2009, 5:30pm You are invited to a candlelight open house at Sandlapper Art & Frame. Come enjoy wine, food and music. Located next to Flight Deck Restaurant in downtown Lexington SC..

So many things to do in Lexington South Carolina with the holiday venues starting to pop up. Get out and enjoy my great Lexington Area and if you need help just call.

Tax Credit for Lexington SC First Time home buyers and move ups

Laura Jefferson (Acquire Real Estate) — Wed, 18 Nov 2009 17:38:36 -0600

Effective: NOVEMBER 6, 2009

The changes to the home buyers tax credit program include:

Homes have to be purchased between November 6, 2009 and June 30, 2010 (ratified contract by April 30).

Closing documentation now required.

Existing home owners are now eligible if they have owned a principal residence for 5 consecutive years out of the 8 years preceeding the purchase of a new home.

Income limits have been raised.

FULL DETAILS

The full $8,000 Tax Credit is for first-time-home buyers (either spouse if filing jointly) who have NOT owned a principle residence during the three-year period prior to the purchase. Ownership of vacation property or rental property does not disqualify home buyers from this program.

The maximum credit is $8,000 or 10% of the home purchase, whichever is less.

The credit is available for homes purchased on or after November 6, 2009 and before June 30, 2010. However contracts must be fully ratified before May 1, 2010.

To qualify for the full tax credit, married couples' modified adjusted gross income (MAGI) should be under $225,000 (up from $150,000) and single filers' MAGI should be less than $125,000 (up from $75,000). Partial tax credits may be available for married couples with MAGI incomes of over $225,000 but under $245,000 and single filers with incomes over $125,000 but under $145,000. If married couples who qualify for the first-time tax credit file separately, they would both claim 5% of the home purchase or $4,000 each (whichever is less) on their tax returns.

There is no recapture or repayment clause IF the home is owned for at least 36 months.

Current Homeowner: An individual (and, if married, an individual's spouse) who has owned and used the same residence as a principal residence for any 5-consecutive-year period during the 8 year period ending on the date of the purchase of a new principal home will be eligible for a $6,500 tax credit ($3,250 married filing separate).

The full amount of the eligible tax credit is refunded to the buyer, regardless of whether the buyer has paid an equivalent amount in taxes.

Home purchase cap of $800,000 (no cap in previous version).

Special exemptions and extensions for military, members of the Foreign Service of the United States, and employees of the intelligence community: If such individual serves on official extended duty outside of the United States for at least 90 days between December 31, 2008 and May 1, 2010 the deadline for entering into a binding contract to purchase a home will be extended to April 30, 2011. Closing must be before July 1, 2011.

Credit is only available to purchasers who are at least 18 years old.

This version now requires that the home purchaser attach a properly executed copy of the settlement statement used to complete the purchase to the tax return.

If you purchased a home between January 1, 2009 and November 6, 2009 you will fall under the original tax credit guidelines.

Today might be the day that everything starts falling in place

Laura Jefferson (Acquire Real Estate) — Tue, 17 Nov 2009 09:56:01 -0600

Just click on this link and put the puzzle together, sit back and enjoy the show.(this wont take long I promise!) This may be one of the coolest things you will see all day today. And you just never know Today might be the day that everything starts falling in place. Have a great day!

Start the puzzle

Craftsmen's Christmas Classic Arts & Crafts Festival Columbia SC

Laura Jefferson (Acquire Real Estate) — Tue, 17 Nov 2009 07:10:46 -0600

Craftsmen's Christmas Classic Arts & Crafts Festival Columbia SC

Featuring original designs and work from more than 330 talented artists and craftspeople from across America. See the creative process in action as many exhibitors demonstrate throughout the weekend. There is something for every style, taste and budget with items from the most traditional to the most contemporary. This show is a winner of Sunshine Artist “200 Best” awards.

Where? and When?

SC State Fairgrounds
1200 Rosewood Dr.
Columbia, SC 29201
November 20, 2009– Fri. (10am – 9pm)November 21, 2009– Sat. (10am – 6pm)
November 22, 2009– Sun. (11am – 5pm)

Introducing the Lexington County SC Green Business Certification Program

Laura Jefferson (Acquire Real Estate) — Fri, 13 Nov 2009 07:27:39 -0600

The Lexington County SC Green Business Certification Program has been approved by County Council! The goal of the program is to recognize businesses who are environmental good stewards in the areas of waste reduction, recycling, energy efficiency, water conservation and air quality.

To introduce the program, the Public Works and Solid Waste Departments will be holding a Lexington County SC Green Business Seminar on November 20, 2009 from 10 a.m. to 12:30 p.m. at the Lexington Medical Center in West Columbia SC. Lunch will be provided. Click here for more information.

things to do in Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 12 Nov 2009 06:46:51 -0600

things to do in Lexington South Carolina

USC Gamecocks VS Florida Gators Saturday, Nov 14 1:00pat University of South Carolina: Williams-Brice Stadium, Columbia, SC. Home to the University of South Carolina Gamecocks is Williams-Brice Stadium, recognized as one of the finest facilities in all of college football. Carolina annually ranks among the nation's leaders in attendance and Gamecock fans are regarded as some of the most loyal in the country. Go Cocks!

USC Gamecocks VS Alabama Bulldogs basketball Friday, Nov 13 7:00p at University of South Carolina: Colonial Life Arena, Columbia, SC. The Colonial Center is the largest arena in the state of South Carolina with 18,000 seats, and the tenth largest on-campus basketball facility in the nation. Located on the beautiful University of South Carolina campus, this one-of-a-kind facility features 41 suites, four Entertainment Suites, and the Frank McGuire Club, a full-service hospitality room that will have a capacity of 300. The state-of-the-art facility also features plush seating, a technologically advanced sound system, a four-sided video scoreboard, and a one-of-a-kind selection of unique concession foods that will delight fans of all ages.

Extremities Friday, Nov 13 8:00p at Trustus Theatre, Columbia, SC.For its 25th Anniversary season, Trustus Theatre brings William Mastrosimone's controversial Extremities back to the Midlands.A young woman named Marjorie is attacked in her home by a would-be rapist, Raul, and manages to turn the tables on him, tying him up in her fireplace. Marjorie's roommates Terry and Patricia come home to discover Raul tied with cords, belts and other household items.

24TH Annual Vista Lights Thursday, Nov 19 5:00p to 10:00p at The Vista, Columbia, SC. The Vista’s signature open house kicks off the holiday season with a night of culture, cuisine and artistic performances. More than 60 galleries, shops, restaurants, bars and entertainment venues will open their doors for the evening to showcase holiday treasures, and this year expect a little more excitement from the annual tree lighting ceremony with Mayor Bob Coble.

Shag Night at Jillian's Thursday, Nov 19 6:30p at Jillian's Columbia, Columbia, SC.Live Beach Music every Thursday night!! $3 Margaritas, House Wine, and Firefly Vodka Butch will be spinning more Shag Music in the Groove Shack after the band stops and Free Shag Lessons are available! All ages, No Cover!

It Might Get Loud Wednesday, Nov 18 3:00p at Nickelodeon Theatre, Columbia, SC. Academy Award-winning An Inconvenient Truth director Davis Guggenheim focuses his probing lens on a subject that's decidedly less urgent but no less fascinating with this look at the electric guitar featuring Led Zeppelin's Jimmy Page, U2's The Edge, and The White Stripes' Jack White. Growing up, all three guitarists realized their rebellion through music: Page was attempting to subvert the sugary sweet pop music of the 1960s, The Edge was hell-bent on making the guitar solos of the 1970s a distant memory, and White used his screeching strings to buzz out the droning bass machines of the 1980s. Great Fun

OPEN MIC Night Wednesday, Nov 18 8:00p at Mac's on Main, Columbia, SC 1710 Main St., Columbia, SC, 29201 (803) 929-0037 if you have never been to Mac's on main don not hesitate to run there. Mac's on Main is Columbia's premier Jazz & Blues eatery on Main Street. It's the brainchild of Susan "Ms. Mac" Walker and the home of & the Groove Band. During the day, we serve a huge lunch buffet for $11.83. In the evenings, we server dinners from 6 until close. We also feature live Jazz & Blues bands while you eat. Downstairs we have a private bar and dining area that can be reserved for private parties and meetings. Featured Chef on many shows including The Outdoor Channel and Southern Cuisine.

Home School Mondays Out Cold! Monday, Nov 16 11:00am at Riverbanks Zoo and Garden, Columbia, SC. Brrr! It's cold outside, but that's not stopping some animals. It is, however, slowing them down a little. Imagine going without food for months! Come explore how these animals snore their way through the coldest winter months.

Tony Tone at The Comedy House Calendar of Events Def Jams own Tony Tone and his cast of thousands and dead on impressions. You never know who your going to see!The Comedy House opened for business in Columbia, SC on December 7, 1993. It is there mission to provide fantastic food, great atmosphere, quality beverages, outstanding service and a hilarious variety of entertainers. Put it on your schedule today.

Artist at work Ribbon cutting Friday November 13, 2009 at 112 East Main Street Lexington SC. Open event and drop in to this new shop of local artists at work. Stop in and welcome Artists at work.

LICS Ribbon Cutting When: Tue Nov 17, 2009, 5:00pm 216 Harmon Street Lexington SC. LICS The new facility is done and the food drive is on. Stop by and tour this great new building that was built with love from Lexington residents. The mission of this organization is to provide assistance for individuals and families who are emerging from hurting situations by providing for basic needs and by creating environments which allow people to make hopeful life changes.

Mortgage Rates for November 11th 2009 Happy Veterans Day

Laura Jefferson (Acquire Real Estate) — Wed, 11 Nov 2009 09:00:59 -0600

Rick offers some great advice and great rates. If looking to qualify before looking call Rick and then contact me for a comprehensive look at the Lexington SC market.

Via Ricky Khamis Scottsdale Loan Officer (NOVA Home Loans):

Mortgage Rates for November 11th 2009 Happy Veterans Day

It's Your Credit...
You Have a Right to Know How it Looks!

Did you know that all residents of the US have the right to obtain one free credit report from each of the three credit bureaus per year? Since your credit score is more important than ever due to today's tightening credit standards, it's the perfect opportunity to take advantage of this benefit.

But Beware...

Although you see commercials offering free credit reports, many companies actually charge a fee or require enrollment to qualify for the free report. That's why one of your best resources is www.annualcreditreport.com for a free report of your credit history. This report of your credit history can help you check the accuracy of the information in your report. However, it does NOT include your credit score. If you want to know your number, you can pay an add-on fee from the service or simply contact me for help determining your actual score.

Stagger Your Reports

Remember, you are only entitled to receive one free report from each bureau per year, so consider staggering the requests. For example, make a note on your calendar to order a report from TransUnion® one month, then one from Equifax® a few months later, and finally one from Experian® a few months after that. In essence, this will allow you to order three credit reports per year...and provide you the ability to monitor your credit throughout the year.

Mortgage Interest Rates for Fixed and Variable Rate Mortgages*

Rates as of Wednesday, 11th November, 2009:

Term

Conforming

APR

Payment per
$1,000

Jumbo

APR

Payment per
$1,000

Arm Reset Term

FHA 30YR

360

4.75%

4.836%

$5.22

%

0.000%

$0.00

-

30yr Fixed Conv

360

4.75%

4.836%

$5.22

5.75%

5.842%

$5.84

-

FHA 3yr Arm

360

3.75%

3.831%

$4.63

%

0.000%

$0.00

3

5/1 ARM

360

3.5%

3.580%

$4.49

4.625%

4.711%

$5.14

5

3/1 ARM

360

3.5%

3.580%

$4.49

4.5%

4.585%

$5.07

3

5/1 ARM Interest Only

360

3.625%

3.706%

$3.02

%

0.000%

$0.00

5

VA 30 Year Fixed

360

4.75%

4.836%

$5.22

%

0.000%

$0.00

-

*Rates are subject to change due to market fluctuations and borrower's eligibility.

Ricky Khamis

CMPS, Senior Loan Officer

Nova Home Loans

Office: 480-559-9609

Email: Ricky@ApprovingAZ.com

Online Applicaiton www.ApprovingAZ.com

Cell 602-758-7425

Pleasant Hill Elementary Holiday Extravaganza

Laura Jefferson (Acquire Real Estate) — Tue, 10 Nov 2009 10:43:31 -0600

Holiday Extravaganza Pleasant Hill Elementary Wednesday November 11, 2009

Start your holiday shopping early... 3rd Annual Pleasant Hill Elementary PTA Holiday Extravaganza this Wednesday, November 11, 2009 10 am – 5pm (After our Veteran’s Day Program) Located in the PHE gym & cafeteria. Please invite your friends & family to join you in this great shopping opportunity! Over 30 vendors and more signing up: Items so far are Hand painted items, Stain glass, Stepping stones, Children’s Clothing, Handmade soaps & lotions, Hair bows, Monogramming And so Much More!!! Join me there to get a jump start on the holidays and for some great fun!

Lexington SC Investment Deals

Laura Jefferson (Acquire Real Estate) — Tue, 10 Nov 2009 10:25:57 -0600

Please email for pictures, Appraisals, and entry instructions.

224 Valcour Road

Columbia, SC 29212

Challedon Subdivision

1409 SQFT

3 Bed / 2 Bath

Brick Home

Appraisal: $ 109,000(available upon request)

Investor Price: $65,000

113 Holborn Court

Columbia, SC 29210

Whitehall Subdivision

2429 SQFT

3 Bed / 2 Bath

2 Car Garage

Appraisal: $205,000 (available upon request)

Investor Price: $110,000

217 Sandcreek Road

Winnsboro, SC

Sandcreek Hills Subdivision

1101 SQFT

Good condition, minor repairs

Appraised: $85,000 (available upon request)

Investor Price: $49,500

2124 Congaree Road

Eastover, SC 29044

Double Wide Mobile Home

Approx: 2400 sqft

Approx: 4 bed / 2 bath

Investor Price: $38,000

133 Timberleaf Drive

Duncan, SC 29334

Woodsberry Subdivision

2400 sqft

4 bed / 2.5 bath

Built 1996

Brick Vinyl, 2 Car Garage, more pictures upon request

After Repair Value: $180K (available on request)

Repair Estimate: $6-8K

Investor Price: $116,000

311 Amsterdam Road

Easley, SC 29657

1200 SQFT

3 bed / 1.5 bath

Built 1977

Vinyl Siding

Comps: $92,000

Repair Estimates: $10,000+/-

Investor Price: $49,000

100 Shaw Street

Fountain Inn, SC 29644

944 SQFT

2 bed / 1 bath

Repair Estimates: $13-15K +/-

Comps: $73,000 (available upon request)

Investor Price: $27,000

1673 Edgefield Highway

Aiken, SC 29801

1325 SQFT

4 bed / 2 bath

Vinyl Home

Estimated Value: $89K

Repair Estimate: $10-15K

Investor Price: $43K

Hurry as they don't last long!

things to do around Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 05 Nov 2009 09:31:57 -0600

things to do around Lexington South Carolina

Italian Festival and Bocce Tournament Saturday, Nov 7 10:00a at Finlay Park, Columbia, SC. Bocce tournament; Italian auto and motorcycle show; Italian music, songs and tarantella; culture and heritage; visual and performing arts; authentic foods and beverages (Italian wine and beer labels included); desserts homemade for take-home; meals; puppet show; children and adult ital and American games; ital merchandise and souvenirs; outside vendor sales (contact director); and evening street dance with live music Great Fun at Finlay Park.

Autumn Splendor Show Friday, Nov 6 10:00a to 9:00pat Village Artists, Columbia, SC. The Autumn Splendor show will feature fall themed art works through Nov 15 at Village Artists gallery.More than 250 pieces of art are being offered for sale by 28 local artists who work in watercolor, acrylic, oil and other specialized media. The paintings and other media start at $20 and range up to $8,000. Browsing is encouraged. Artists frequently paint in the windows of the gallery and art classes are offered throughout the year.

SC Reptile and exotic animal show Saturday, Nov 7 10:00a at Jamil Shrine Temple, Columbia, SC. The South Carolina Reptile & Exotic Animal Show is a reptile event featuring vendors offering reptile pets, supplies, feeders, cages, and merchandise. Participate in free raffles held for enthusiasts and kid’s activities including puppet shows.

Annual Fall Bulb Sale Saturday, Nov 7 9:00a at Riverbanks Zoo and Garden, Columbia, SC at Bog Garden Plaza in the Botanical Garden. Get your garden in the spotlight with these highly acclaimed bulbs.

Swing Dancing and Lessons Friday, Nov 6 7:00p to Saturday, Nov 7 12:00a at Big Apple, Columbia, SC Learn swing dance with Columbia dance favorites Richard Durlach and Breedlove who will take dancers back to the era of the Big Apple Dance Club. It was at the Big Apple club where the Big Apple dance craze began, becoming one of the most popular dances of the 20th century.

Columbia Signature Chef Auction Sunday, Nov 8 5:30p at Embassy Suites Columbia - Greystone, Columbia, SC The 10th annual Signature Chefs Auction is an annual, black-tie event which pays tribute to the culinary excellence of leading local chefs, restaurant owners and caterers in the Midlands.This evening of entertainment combines a reception, gourmet sampling and silent auction with the excitement of a live auction.

Veterans Day Parade Wednesday, Nov 11 10:00a at Main Street, Columbia, SC Southeast's largest Veterans Day Parade--a spectacular procession of marching high school bands, military equipment and marching installations from around the state is a special tribute to veterans. 11,000 attendees expected.

** Estimated start time -- Please confirm **

37 Th Annual Governors Cup Road Race Saturday, Nov 7 8:00aat South Carolina State House, Columbia, SC. One of South Carolina's marquee running events, this race features a series of events over the weekend, including the half marathon, an 8K run, a 4-mile walk and a kids' fun run.The scenic course begins in downtown Columbia and ends at the historic Horseshoe of the University of South Carolina. Along the way, participants will enjoy the beauty of Five Points and Shandon.

Dining With Dogs Dine with your four legged friends at this great concept restaurant Solstice restraunt is sure to be a treat and a howling good time. 841-4 Sparkleberry Ln., Columbia, SC, 29229 (803) 788-6966 - Venue Website. In only year three of business, Solstice Kitchen & Wine Bar is considered by many to be Columbia's best restaurant. The menu is true to the name "Solstice" as it "changes with the seasons". On a daily basis there are a variety of menus offered including a $25 Three Course Menu. Great place to go!

That wraps up my Things to do around Lexington for this week. Get out and enjoy!

Lexington South Carolina Real Estate Market Report

Laura Jefferson (Acquire Real Estate) — Tue, 03 Nov 2009 09:12:56 -0600

Lexington South Carolina Real Estate Market Report October 2009 area 11 of Lexington County zip code 29072

59 homes Left Active
12 Active Contingent
19 Active Contingent on Inspection
92 Pending Contracts 108 Closed Contracts

Total Listed:167	Sold Units:108	Remaining Units:59	Inventory Accum.:0.55 *
Min Sold Price: $28,000	Average Sold Price: $179,472	Median Sold Price: $130,020	Max Sold Price: $752,762
Min List Price: $875	Average List Price: $195,240	Median List Price: $154,900	Max List Price: $694,000

Average days on the market for Lexington South Carolina Real Estate was 100 days to contract which remains well below the national average and up from the September 2009 Market report by 2 days.

The Lexington South Carolina Real Estate Market remains strong. For more information on Lexington SC homes for sale and things to do in Lexington SC please contact me.

Thinking About Buying Your First Lexington SC Home?

Laura Jefferson (Acquire Real Estate) — Fri, 30 Oct 2009 06:48:09 -0500

Thinking About Buying Your First Lexington SC Home?

Thinking about purchasing a home of your own? Keep these critical considerations in mind when looking for your Lexington South Carolina home for sale. : Tip 5 0f 5

Where the money for the transaction will come from?

Typically homebuyers will need some money for a down payment and closing costs. However, with today's broad range of loan options, having a lot of money saved for a down payment is not always necessary - if you can prove that you are a good financial risk to a lender. If your credit isn't stellar but you have managed to save 10-20% for a down payment, you will still appear to be a very good financial risk to a lender.

things to do around Lexington South Carolina

Laura Jefferson (Acquire Real Estate) — Thu, 29 Oct 2009 12:48:33 -0500

things to do around Lexington South Carolina

Willie Nelson In Concert Tuesday, Nov 3 7:30p at Koger Center for the Arts, Columbia, SC If you have never seen Willie in concert this is the time. As a songwriter and a performer, Willie Nelson played a vital role in post-rock & roll country music. Although he didn't become a star until the mid-'70s, Nelson spent the '60s writing songs that became hits for stars like Ray Price ("Night Life"), Patsy Cline ("Crazy"), Faron Young ("Hello Walls"), and Billy Walker ("Funny How Time Slips Away") as well as releasing a series of records on Liberty and RCA that earned him a small, but devoted, cult following. During the early '70s, Willie aligned himself with Waylon Jennings and the burgeoning outlaw country movement that made him into a star in 1975.Now and forever.

Dinosaurs : Mesozoic Monsters Friday, Oct 30 10:00a to 5:00p at South Carolina State Museum, Columbia, SC. Triceratops, Stegosaurus, Allosaurus and other prehistoric monsters come roaring to life in this hands-on learning adventure. Featuring 12 robotic dinosaurs and a full-size T-rex skull, this exhibit explores how these awesome creatures lived and died. Activities include digging for “fossils,” “design a dino” and more.

Autum Splendor show Friday, Oct 30 10:00a to 9:00p at Village Artists , Columbia, SC. The Autumn Splendor show will feature fall themed art works through Nov 15 at Village Artists gallery.

Gore and Folklore tour Friday, Oct 30 7:00p to 8:30pm at SC Confederate Relic Room and Military Museum, Columbia, SC . Come to the Sixth Annual Gore and Folklore Halloween tours for an evening of ghosts, legends and frights! Ghoulish guides will lead participants on a spooky journey with costumed interpretations of unusual and hair-raising tales associated with both the Civil War and World War I. Guests will hear ghostly stories of strange and unusual events, visit a haunted trench and meet many memorable specters along the way.

Spinners Resort Haunted Trail Friday, Oct 30 7:00p to Saturday, Oct 31 12:00a at Spinner's Resort Haunted Trail, Batesburg-Leesville, SC.A terror too big to hold indoors....Do you Dare?... Come walk (or run) the wooded trail with Director James Chapman, and cast from Lander College and LHS. Spinner's Sand Bar open for all performances; includes great food, full bar, coffee, hot chocolate and more. Outdoor footwear is advised. Attraction not recommended for children under 10. Spinners in Lexington.

Lake Murray Community Halloween Carnival Saturday, Oct 31 4:00p to 8:00p at Lake Murray Community Center, Lexington, SC Halloween Carnival- everyone is invited. pony ride, hay ride, chicken stew dinner & corn-dogs with french fries, sweet shop, country store, Bingo & games. Costume contest at 7pm. 1003 St Peter's Rd., Lexington, SC, 29072 (803) 356-4055

Trick Or Treat on Devine Street Downtown Columbia SC Saturday, Oct 31 12:00p to 3:00pat Devine Street, Columbia, SC . Bring your kids for tricking treating with local Devine Street merchants and bring the family for a ghoulish good time.

The BOO House and Corn Maze Harmon Tree Farm Lexington SC, Hay rides , corn maze and the boo house and more open to the public all weekend long. Shop Harmon's Christmas house. 3452 Augusta Highway, Lexington SC 803-359-4454

The Lexington South Carolina Community has so much more to offer this weekend than I can write. All of our local Churches have events scheduled. Trick or trunk seems to be a great favorite of ours at Lexington Babtist Church.

Join us this weekend and next week for some great things to do around Lexington South Carolina.

Thinking About Buying Your First Lexington SC Home?

Laura Jefferson (Acquire Real Estate) — Wed, 28 Oct 2009 11:40:51 -0500

Thinking About Buying Your First Lexington SC Home?

Thinking about purchasing a home of your own? Keep these critical considerations in mind when looking for your Lexington South Carolina home for sale. : Tip 4 0f 5

Your credit and home affordability.

Is now the right time financially for you to buy a home? Would you rate your financial picture as healthy? Is your credit good? While you can always find a lender to lend you money, solid lenders are more skeptical if your credit history is not good. Generally, a couple of blemishes on a credit report will make you a good credit risk and could qualify you for the lowest interest rates. If you have more than a couple of blemishes on your report, lenders like Quicken Loans may still provide you with a loan, but you may just have to pay a higher interest rate and fees.

Some say that you should refrain from borrowing as much as you qualify for because it is wiser not to stretch your financial boundaries. The other school of thought says you should stretch to buy as much home as you can afford, because with regular pay raises and increased earning potential, the big payment today will seem like less of a payment tomorrow. This is a decision only you can make. Are you in a position where you expect to make more money soon? Would you rather be conservative and fairly certain that you can make your payment without stretching financially? Make sure that whatever you do, it's within your comfort zone.

To determine how much home you can afford, talk to a lender or go online and use a "home affordability" calculator. Good calculators will give you a range of what you may qualify for. Then call a lender. While some may say that the "28/36" rule applies, in today's home mortgage market, lenders are making loans customized to a particular person's situation. The "28/36" rule means that your monthly housing costs can't exceed 28 percent of your income and your total debt load can't exceed 36 percent of your total monthly income. Depending on your assets, credit history, job potential and other factors, lenders can push the ratios up to 40-60% or higher. While I'm not advocating you purchase a home utilizing the higher ratios, its important for you to know your options.