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Archive for April, 2010|Monthly archive page

Columbia SC Downsizing Advice for Seniors

In Uncategorized on April 30, 2010 at 2:41 am
April 29th, 2010 9:44 PM

A lot has changed in real estate in the last 50 years. For the senior client that has been in the same house for all of those years the thought of selling and moving can be overwhelming. A home is more than just a house; there are precious memories of family, friends, special occasions and more. There is an immense amount of stuff that can accumulate in a home that has been lived in for fifty years. It is very difficult for most people to sort through all of that accumulation and know what to keep and what to donate or put in the trash.

Here are 5 ideas that could help if you are contemplating selling your home in order to downsize into a more manageable space.

1. Talk to a realtor that has experience working with senior clients. A good realtor will offer valuable advice about the best way to present your home to a new generation of buyers. He/She should also walk you through what to expect while your home is listed, and everything that is involved in the process from purchase offer to the closing table.

2. Consider hiring a company that specializes in helping people downsize. It is not practical or wise to think you will be able to bring all of your possessions into your new home. Moving is the perfect opportunity to weed out the clutter from the jewels. There are also some innovative ways to save your memories without keeping the actual item associated with the memory.

3. Talk to someone that has already gone through the process. It is helpful to hear other people talk about how they solved and dealt with the same issues you are currently facing. You may feel more confident that you are on the right track.

4. Enlist the help of your family if possible. There are probably a lot of items in your home that belong to your grown kids. Ask them to go through the items and take the things that they want. They should make the decision whether it is something they want to save or not.

5. This can be a very stressful time. Try to keep a positive attitude. Nobody likes change, but usually with change comes new opportunities. Think about the advantages of downsizing and the reason you wanted to do it in the first place.

There are a lot of different housing options available to a senior that would like to downsize. Your realtor should be able to find the type of community that will best suit your new life style.

Joe Nester - Exit Broker in Charge West Columbia South Carolina.West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504 

Columbia SC Reverse Mortgage for Purchase Could be Good Solution for a Senior Home Owner

In Uncategorized on April 25, 2010 at 5:09 pm

April 25th, 2010 12:23 PM

Most people today know something about a traditional reverse mortgage but have never heard of a reverse mortgage for purchase. This innovative product could be in certain situations a good solution for a senior that would like to downsize or do a parallel move.

The reverse mortgage for purchase allows a senior to purchase a primary residence by putting a certain percentage of the sales price as a down payment, usually between 40 and 50 percent, and having the reverse mortgage for purchase pay off the balance.

The advantage of this type of mortgage is that it could allow the senior to get into a new property without sinking all of the equity from the old home into the deal. Once they closed on the new home it would be the same as a traditional reverse mortgage. There would be no house payment as long as they lived in the home. And each month the interest would accrue against the equity.

Below are some guidelines that apply to a reverse mortgage for purchase.

  1. Who is eligible – everyone in the home must be 62 or older
  2. What is income requirement – No income requirement
  3. What is min. credit score – Credit Reports are not required
  4. You can use the Reverse Mortgage to PURCHASE a home
  5. NO PAYMENTS required
  6. Everyone must go thru Counseling for the Reverse Mortgage first

 

As with any financial decision you should always get the advice of a professional. In addition to using a professional that is familiar with this type of mortgage, the reverse mortgage also requires a counseling session for the principals involved in the transaction.

Bill Oliver with Crescent Moon Mortgage in Columbia is a broker that is familiar with the reverse mortgage for purchase. You can contact Bill through his web-site.

You can also get more information about reverse mortgages in general by visiting the US Dept of Housing and Urban Development site.

West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504

West Columbia Exit Agape Real Estate Supports Rhythm on the River

In Uncategorized on April 20, 2010 at 9:57 pm
April 20th, 2010 5:24 PM
Close your eyes and imagine the golden light at sunset. You can hear the children playing in the grass that surrounds the amphitheater. You feel a gentle breeze from the Congaree River as the water silently glides downstream. You see the Gervais Street Bridge with its perfectly symmetrical arches stretching across the river to downtown Columbia. The downtown glass and steel buildings are shimmering from the reflected light of the setting sun. The music starts and seems to be in perfect harmony with the people and surroundings.

Open your eyes. You are attending the popular Rhythm on the River concert series put on by the West Metro Chamber of Commerce. The ten-week series is sponsored by local businesses in Lexington County and is free to the public. Each year the concert series features a wide variety of music that will appeal to every taste. The popularity of the series has grown each year, along with the musical talent.

EXIT Agape Real Estate Services in West Columbia is proud to be a weekend sponsor for the popular concert series for the third year in a row. Agape Senior is also returning as a presenting sponsor for the whole series. This event is perfect for people of all ages to enjoy the outdoors, socialize with friends and hear some very talented musicians in a relaxed atmosphere.

For more information on the series and a complete schedule of bands and sponsors, visit Rhythm on the River.

If you were ever told by your parents that the best things in life are free, you can bet that in this case they were right.

Joe Nester - Exit Broker in Charge West Columbia South Carolina.West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504 

West Columbia Real Estate Can Potential Clients Find You Today?

In Uncategorized on April 19, 2010 at 1:27 am
April 18th, 2010 8:14 PM

Sometimes enlightenment can be swift and unexpected like a sudden breeze on a perfectly calm day. For a brief moment in time you experience perfect understanding with brilliant clarity. If you are a visionary these moments allow you to see the future.

This kind of understanding is usually only possible if there is a foundation of knowledge that has been acquired over time. The trainer helps to build the foundation that ultimately will allow the student to experience the deeper insight.

For the past year Key Yessaad has been building a foundation of knowledge about internet strategy for the agents and brokers of Exit Realty in the Midlands of South Carolina, Key, one of the premier internet strategists in the country, is mercenary about providing training that can lead to an agent’s verifiable success on the internet.

On April 15, 2010 Key rolled out his new workshop-style, advanced blogging class for over 20 brokers and agents at Agape Village in West Columbia. I had arranged to meet with Key after the training to discuss some new web-site and blog ideas upon which I was working.

Later that evening, at an outdoor table of a local restaurant, we chatted about the day’s activities. We had no idea that we were about to witness a small action by our waiter that is having a profound impact on real estate and the real estate agent.

Our waiter, Cale, who looked to be in his early twenties, was friendly and intelligent. Each time he would come to our table we would engage him in conversation to learn more about him. Cale turned out to be a recent graduate of USC in Columbia and had majored in biology. His desire was to complete his PhD. Key encouraged him to complete it as soon as possible.

A short while later Cale returned to our table to check on us, and he began to inquire about what we did professionally. Key explained that he trained real estate agents to compete effectively on-line and that he had completed training in West Columbia earlier in the day. I told Cale that Key was an expert on creating Google visibility. “In fact”, I said, “You can just Google web trainer with no location and he will probably be in first position on page one.”

Instantly Cale reached into his pocket and pulled out his smart phone with the swiftness of a gun-slinger out of the Old West. After several short taps on the screen of the phone, Cale looked up at us. I could tell by his expression that he was impressed. Cale said, “I have never met anyone famous before.”

What we had just witnessed was significant. Key had just trained on that exact concept earlier in the day. An episode of the hit comedy “How I Met Your Mother” titled “Lorenzo Von Matterhorn” was used to illustrate the point to the class. Instant verification of an agent’s credibility and visibility is not only possible but happening everyday. I had just been afforded a glimpse into the future of real estate; I was glad that I had the foundation training to recognize the importance of what our waiter had just done.

Joe Nester - Exit Broker in Charge West Columbia South Carolina.West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504 

Columbia SC Palmetto Trail Adventure

In Uncategorized on April 9, 2010 at 1:59 am
Columbia SC Palmetto Trail Adventure
April 8th, 2010 9:15 PM

Life is strange. It seems that whenever you learn something new or read about a particular event or experience, it has a way of working its way into your own reality. The latest example of this phenomenon for me happened when I finished reading A Walk in the Woods’ by Bill Bryson. The book was a hilarious account of the author’s attempt to walk the Appalachian Trail. I was very intrigued by the fact that Mr. Bryson just decided one day that he was going to attempt such an ambitious hike and that for the most part he carried through with the plan.

About two weeks after finishing the book I was having a conversation with Mike, the minister of my church. He was telling me about a hike he had completed recently. Mike said he had hiked a 6.5 mile section of the Palmetto Trail from Peak, SC, to Pomaria, SC; I had a vague recollection of reading something years earlier about a trail that stretched across the state of South Carolina. Immediately the wheels started spinning in my head. I could be the Bill Bryson of the Palmetto Trail. I could walk each section and then recount my adventures to my adoring fans: the Today Show, Jay Leno, maybe even PBS.

The next day I was on Google getting all of the pertinent information to start my adventure. I found it very interesting that one of the sections of the trail actually crosses over the grounds of the State Capitol in Columbia where I reside.Mike had mentioned that the section he hiked did not have any real scenic vistas since it went through mostly bottom land. I was not sure what bottom land was, but it sounded okay for my first attempt at the trail.

Not being a person that likes to go into remote areas by myself, I had to rally the troops on the home front. I have been known to get lost in a subdivision after making two turns and then spending the next 30 minutes trying to get back out. I needed someone with me that could get us back out alive. My almost fifteen-year-old son and my ever skeptical wife were likely suspects. I really had to sell the adventure side of the hike and then throw in the educational element for good measure.

My son, Drew, had the brilliant plan to share our adventure with one of his high school buddies. This was perfect: another kid violently torn from his PS3 and forced to walk in the wilderness. How could I resist?

The morning of the hike was a gorgeous spring day with the temp around 58 degrees. The forecast was calling for the low 90s by the afternoon. Only in South Carolina can it go from 58 to 90 in three hours. The trip to the trail head was uneventful except for my attempt to turn east from the main highway instead of the clearly marked west on the map and the big green sign that pointed to Pomaria the other direction. With disaster narrowly avoided the adventure continued.

We arrived at the first trail head, which was a small parking lot next to a trestle bridge that spanned the Broad River. This was starting to get exciting. The old iron bridge formed part of the trail. I looked at my companions to try and gauge their excitement. Let’s just say it was getting exciting for me. We left one car and continued the trip to the second trail head. This turned out to be a grass parking lot behind Wilson’s Grocery, bait, beer, gas, and stuff store.

After reading a brief history of the town, and about the rail line that formed the trail on the information board we finally started our hike. There was nothing but nature for the next 6.5 miles. I don’t know if you have ever walked on a railroad bed that has been converted to a trail before, but we quickly found that the gravel used for the bed made for a challenging walk. The trail itself was perfectly flat. I marveled at the fact that no matter what the land was doing beside the trail, the actual trail was always perfectly flat. I tried to imagine designing the perfect shoe that would adjust to the infinite number of angles my foot would contort to on each step in the gravel.

Certain sections of the trail had more dirt and grass built up, and the gravel was more embedded in the soil. These were welcome sections along with the smooth boards that spanned the 13 or so trestles along the trail. It was easy to imagine an old steam engine in the 1800s puffing and hissing along the narrow corridor. I couldn’t help wondering about the men that actually built the line. I could almost hear them say after the track crossed the same river for the third time, “Really, do you think this is the best route?”

We did not encounter another soul on the trail, although there was one other vehicle parked in the grassy lot where we started. I proudly informed my son and his friend Hunter, that they were probably now in a very elite minority for having hiked this trail. I don’t believe I heard any response from this proclamation.

We did encounter some wildlife along the trail. A large bird that I quickly identified as a Turkey Hawk flew across the trail, and I was told in unison that there was no such species. We also had some quail half scare us to death as several took off just inches from where we were walking. I have heard helicopters take off with less noise.

All in all I was pleased with the adventure. It took us approximately 2 ½ hours to complete the hike. All of the surrounding woods and grass lands were in full bloom, and the brilliant colors of the wisteria against the green backdrop were beautiful.

I had noticed a small diner on our way into the town of Pomaria earlier and I suggested we reward our accomplishment with a cheeseburger. This time I got a reaction from the teenagers.

We arrived at the M&N Café and ordered cheeseburger baskets and cold sodas. The food was delicious after the long hike; the French fries were especially crisp and fresh. The M&N is a family-run restaurant. Two of the owner’s daughters were running the place the day we stopped. The friendly service combined with good old American food is worth the stop.

After proudly announcing to our server that we had just completed the trail, she said we were only the second group that she had ever met that hiked it. I quickly looked across at my son to see if he had grasped the significance of that statement. I got the universal eye roll that told me all was well with the world.

Joe Nester - Exit Broker in Charge West Columbia South Carolina.West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504 

West Columbia 24/7 Health & Fitness Gym in Agape Commons Expands Services for Patrons

In Uncategorized on April 1, 2010 at 3:37 am

Introducing…

Jamie Smith as our staffed personal

trainer! He is a resident of Lexington,

SC and is a NASM Certified

Personnal Trainer and owner of

BodySmith Personal Training. Jamie

has worked with most of the major

gyms around town working as both a trainer and nutrition consultant. He has been training clients for 5 years in all forms of fitness ranging from: bodybuilding, power lifting, weight loss, overall fitness, flexibility, injury rehabilitation, and nutrition consulting. His clients include men and women ranging in age from 15-73. 

Jamie offers both half hour and hour long sessions. Half hours run $20 per session and hours run $30 per session. His schedule is very flexible with advanced notice. If interested, contact Jamie directly at (803) 466-5953 or via email: BodySmithTraining@Gmail.com.

The 24/7 Health & Fitness Center is located at 3681 Leaphart Rd in West Columbia. The Agape Commons commercial complex is right in front of Agape Village. For information and membership stop by Agape Medical Mart. Or call 803-939-0757

Joe Nester - Exit Broker in Charge West Columbia South Carolina.West Columbia SC Real Estate, Columbia SCJoe Nester Realtor. EXIT Agape Real Estate Services is ready to serve your real estate needs in Lexington, West Columbia, Irmo, Forest Acres, and Columbia South Carolina. Our experienced agents have all the right tools to properly market your listing or to search for your perfect new home. We strive to exceed your expectations on every transaction. (803) 730-7269 or (803) 454-3504.

West Columbia SC Real Estate for Sale – Properties for Sale in West Columbia South Carolina. We also provide you with Advanced Market Segments such as West Columbia Startup Homes, West Columbia Median Homes, West Columbia Upscale Homes, West Columbia Luxury Homes, and West Columbia Homesites and Land for Sale in West Columbia SC. Surrounding Towns included are West Columbia, Irmo, Columbia, Lexington, Lexington County, Cayce, Gaston, Swansea as well as niche communities: Agape Village, Charwood, Churchill Heights, Edenwood, Forest Acres, Moss Creek, Quail Hollow, Saluda Gardens, Saluda River Club, Saluda Terrace, Shadblow, The Avenues, and Westover Acres. Exit Agapé Real Estate Services is your West Columbia SC and South Carolina Senior Real Estate Specialists. (803) 454-3504