Three Critical Factors to Consider When Buying a Home Or Lot on Lake Murray South Carolina

All real estate is not created equal, and this is certainly true with waterfront property on Lake Murray South Carolina. Understanding what to look for can help in the decision making process and can also help to ensure years of enjoyment from your lake-front home. For most people, the three critical factors to consider when purchasing water-frontage on Lake Murray are whether it has fringe-land, whether the property can have a private dock, and whether it has year-round water.

The first critical factor is fringe-land. Fringe-land is a term used by SCE&G (South Carolina Electric and Gas) which basically refers to a seventy-five foot wide strip of land which is owned by SCE&G and lies between the edge of the lake and the adjacent waterfront property.

Owners of the adjacent property only have foot access to the lake and are restricted from encroaching upon the land or cutting trees or shrubs on the land without written consent. While the majority of properties on the lake do not have to contend with this “vegetative buffer”, there are still many properties in the more rural areas of the lake where this is a consideration. Generally, properties free from fringe-land are more desirable.

The second critical factor is the ability to have a private dock. Not all Lake Murray properties can have private docks. SCE&G controls dock permitting, and they have strict guidelines governing permit issuance. Properties that have the ability for a private dock are in more demand and typically command a higher price than those with only a shared dock or with no dock at all.

The third critical factor is whether the property has year-round water. With Lake Murray being a hydro-electric lake, it has an annual draw-down in the fall and winter. The result for land owners is that some properties might be “dry” during the low period. Unfortunately, most real estate agents do not understand how to properly evaluate this aspect of lake properties.

Often times properties will be presented as having year-round water, but they don’t. This is not usually intentional deceit on the part of the listing agent, but usually just a lack of skill. If you plan on purchasing a home or lot on Lake Murray, be sure your real estate agent can do a USGS based depth analysis on any property of interest.

When buying any real estate, you should perform proper due diligence. Now you have an idea of what to look for when considering making a purchase on Lake Murray South Carolina. See you on the lake!

Buying Tree House Plans

Learning to construct your own Tree House on a beautiful summer weekend can become a very educational woodworking project for you and the bored kids. But before you try buying Tree House Plans there are a few very important things to take into consideration. Making sure that you have the support of your family is always a first. Then choosing your design or plan so you can create an average time line is essential. This article will try to summarize the basics everyone should know before attempting any beginner or advanced level Tree House woodworking projects. Hopefully this makes constructing your new Tree House or Playhouse a lot easier for you and your loved ones.

The first thing to be done before even choosing your template or blueprint is making a decision on where to build the Tree House. Site selection will be an important part in choosing the design that can be built. Is there going to be proper room for the design choice? Anyone know the types of trees that should be used, the best size or shape? knowing such things can be a defining factor of what Tree House design might be chosen. This brings us to the next subject of which Tree House Plans are most convenient for all involved.

When we finally have made an educated guess on the area going to be used, we can choose the design or type that everyone is comfortable with constructing. After the design is chosen one can assess what equipment and the type of materials needed to accomplish the task at hand. Some greenhorns or novices might be too scared to use certain power tools which could result in a possible accident. So knowing the difficulty level of the project might also be a factor in the design choices.

A good example of the difference between a prebuilt set and a Do-It-Yourself one, is when my buddy purchased his and I built ours. After my buddy took two weekends to assemble the package he realized it was missing some crucial pieces to finish the job. He then tried to return the kit only to find out there were no more like it in storage and that his model was discontinued. Just to add fuel to the fire he then found out that the max load per child was very low. The one I built was easily customizable and could withstand all four of my kids. These are another couple of points to consider when learning how to construct your own Tree House.

Finally with all these other steps done, the cost can be calculated and checked to see if it is within the budget. Knowing what tools are needed and if they are available or have to be bought can also be a factor. What type of materials are going to be incorporated is another issue in the price. But if anyone was to compare the difference in price between a store bought prefabricated playhouse package and a Do-It-Yourself one they would see that building your own is always cheaper, easier to customize and more fun for the whole family.

I guess looking back at all the information that is given here it still does not seem that simple to construct your own Tree House or Playhouse. Something seems to be missing, like a full set of your very own plans showing everything needed to construct that custom Tree House. But now with the various tips and suggestions made here, making an educated decision on which Tree House Plans to implement into the backyard will come a little easier.

Bend Oregon Real Estate – Buying a New Home

Now is the time to buy a new home in Bend Oregon. The prices of homes in Central Oregon have been going up in value steadily over the past several years. The Multiple Listing Service of Central Oregon reports that home values have almost doubled in the past four years.

Land values have been going up and new construction has been booming for the last five years. Now the market is in a slow down and is being flooded with inventory. Homes are taking longer to sell and builders are being forced to lower their prices.

New home developers and builders were able to sell homes in the past few years before they broke ground. They had buyers waiting in the wings to purchase these homes as soon as the lots were developed and the builder priced the homes. The buyers chose their finish materials and waited for construction to be finished.

The winter of 2006 is going to be the best time to buy a new home in Bend Oregon. The National Association of Realtors reported “In the West, existing-home sales declined 3.1 percent to an annual pace of 1.25 million in September, and were 23.8 percent lower that a year earlier. The median price in the West was $332,000, down 5.1 percent from a year earlier.”

One developer/builder in Bend recently lowered prices $20,000 across the board on all of his homes. He now has eight homes sitting finished. He is also including central air-conditioning, upgraded tile counter tops, a refrigerator and backyard landscaping. These free upgrades and lower prices were not available last year.

As new and used home sales continue to fall and inventories continue to build Bend is starting to look like a candy store for home buyers. The new home market will show some of the best buys because builders have to sell. They cannot afford to sit on millions of dollars of inventory.

As we go into winter and the temperature starts to drop the heat bills start to go up. This increases the holding costs of a developer/builder. Builders are also starting to pay closing costs for a buyer which indirectly gives today’s buyers a better value yet.

Developers are usually large businesses that can afford to sell a few houses at a loss to get them through the winter. One builder has lowered his asking price of one particular home to almost $50,000 lower that the same floor plan sitting vacant down the street. He has several homes finished and sitting vacant and his interest payments continue and now winter heat bills will be adding to his holding costs.

This “buyer’s market” won’t last for long though. Interest rates are still around 6.25 percent and the Federal Reserve just held tight with no interest increase. So interest rates should stay low over the winter.

Gasoline prices are falling and it was just reported by the Bend Bulletin, Central Oregon’s local news paper that “Deschutes County jobless rate sinks To 3.7 percent.” Bend continues to grow. There are good jobs available and people continue to move to Bend.

Bend is also one of the most desirable places to live in the United States. If you live in Bend you can drive 30 minutes west and be in the mountains with great fishing, hunting, hiking and biking. You can drive 30 minutes east and be in the high desert with spectacular mountain views and fresh clear air.

It is said that Bend’s local ski mountain, Mount Bachelor has some of the best powder in the Northwest. Golf magazines also report that Bend is one of the best golf communities in the West. Golf is available for golfers of any budget from inexpensive public courses to luxury private courses.

The Deschutes River runs through the middle of Bend. It is a nationally famous trout stream and also has Steelhead and Salmon runs in its lower reaches. Because Bend is such a great place to live there will always be a demand for new homes.

Local Realtors look for prices to stabilize and start back up next spring. David Lereah, the chief economist for the National Association of Realtors said, “When consumers recognize that home sales are stabilizing, we’ll see the buyers who’ve been on the sidelines get back into the market, and sales will be at more normal levels in the wake of the unsustainable boom that we say last year.”

The next few months will be the best time in a long time to buy a new home in Bend Oregon.

Benefits of Buying Coffee Wholesale for Your Home or Business

For most of us, coffee is a daily necessity. This magically caffeinated plant travels from points all over the globe to be ground, brewed, and poured into your mug, providing you with the needed fuel to face your day’s many challenges.

Nowadays, your daily brew isn’t just about perking up and getting to work on time. With so many types of beans, blends, and brewing techniques, sippers have a lot to consider before filling their mugs. Luckily, independent roasters are everywhere, giving the aficionado easy access to his or her ideal cup. Let’s look at why buying coffee wholesale from a local roaster can be a great way to improve the way your home or business gets its caffeine fix.

Unique Tastes from One-of-a-Kind Varieties

A bean is a bean, right? Well, not quite. Every bean has its own taste and texture, and a single bean can activate a whole slew of different taste buds. Your cup’s flavor depends on the precise conditions under which the original crop was raised. The climate, altitude, and soil of each farm makes for endless variation in the world’s coffee supply. Local roasters bring you fresh beans from all over the world, often from small, non-commercial farms where the coffee grows like no other. As a result, buying from wholesalers lets you sample rare, unique crops. Whether you operate a restaurant, manage an office, or drink cup after cup at home, buying directly from a wholesaler offers a unique, delicious experience for anyone under your roof.

Precision Roasting and Unparalleled Freshness

Local wholesalers roast their product right in your area, making for extremely fresh brewing. Once beans are shipped in, they undergo a roasting process that determines their body and texture. Independent companies take care to heat each variety perfectly in order to spotlight its characteristic flavors. Precision is the name of the game: independent outfits spend more time perfecting their final product than the average grocery-store brand does. Since the final product travels straight from the roaster to you, it arrives with its natural flavors fully intact.

Proprietary Blends Mixed By the Pros

By buying coffee wholesale, you support a company that’s truly passionate about crafting the perfect cup for every palate. Independent sellers take pride in the creative process, laboring to break new ground and synthesize new blends that taste unlike anything that came before. Many small companies concoct their own proprietary blends, mixing light and dark beans in precise ratios to create flavor complements that will knock drinkers’ socks off. This artisanal spirit sets smaller local roasters apart from commercial giants, which don’t stray far from a few basic blends. Buying coffee wholesale lets you participate in the experiment. You can bravely sample new blends and roasts and give your business or household access to an exciting rotation of fresh brews.

As you can see, coffee isn’t just about waking up. If you and your family members, customers, or co-workers crave a cup that’s fresh, delicious, and unique, consider buying coffee wholesale from a nearby roaster.

You’re Closer To Buying Foreclosure Properties Than You Think

Buying Foreclosure Properties

Definition:

“A foreclosure property is a piece of real estate that a mortgage lender sells to pay off a defaulted mortgage loan. Every foreclosure culminates in a public auction where the lender sells the property and anybody can purchase the property. Or you can purchase a foreclosure property from a bank after the bank purchases the property at the auction.”

The real estate market is showing increasing signs of recovering and there are great investment opportunities to be found. Home prices are still relatively stable and interest rates are still very attractive.

However, whether buying for a primary residence or for investment purposes, there are still some basic guidelines to follow when considering buying foreclosure properties.

Below are my 4 Buying Foreclosure Properties Tips

1. Work with a broker.

It does not matter if you are buying a foreclosure for investment or as a primary residence, it is really helpful to have a broker help with the process.

Neighbourhood is one of the most important factors when it comes to buying a home and a broker is worth their weight in gold when it comes to knowing the local real estate market.

2. Do the financial due diligence.

All we need to do is remember the real estate market crash to see why it is important to do a thorough financial due diligence when purchasing a home.

Be realistic about your budget and how much home you can really afford. If the home is an investment purchase, can you make the mortgage payment if you have to carry the mortgage for a few months?

That can happen with investment property so be sure you factor in at least six months of mortgage payments just in case.

Also factor in the cost of any repairs. This is especially true with foreclosure purchases which are often sold ‘as is’ which means they often need repairs.

Verify the condition of the property. Restore and repair costs add up on a total value of a home.

It is always best to purchase foreclosure properties that require minimal repairs, otherwise your profit margin shrinks.

3. Understand that every neighbourhood is local to that neighbourhood.

What this means is that what is selling in one area may not be selling just down the road, so you need to do your homework and check comparable homes in the area to know whether or not what you are buying is a good investment.

Get a proper assessment on the home you are considering purchasing.

Buying foreclosure properties will generally be thirty to forty percent discounted, so if a foreclosure home does not need major repairs and you can get it for a price that is well below the market value of similar homes in the same area, then you are probably making a good investment.

4. Try and find foreclosures that are bank and creditor owned.

These properties are where you can most likely get the best deal because banks are not in the business of owning property so want to sell these types of properties and will often do so at a much discounted price.

Investing in foreclosure properties can be a very smart move, especially in the current real estate market.

With housing prices still relatively stable and interest rates still very attractive, there are many good opportunities for investment available.

When considering buying foreclosure properties, it pays to research the property and to do the financial due diligence in order to verify the quality of the property and financing.