We are celebrating today (and everyday) at our decorated model home, where you can tour our new home and enjoy a fresh cup of coffee. Stop in today or call for your showing. Directions to our Model Home in the Columbia, SC- Click Here!
Whether getting one to go or lingering over a second cup, on September 29 be sure to observe National Coffee Day!
Ah, the perfect cup of java. According to an expert cupper (a professional coffee taster), there are four components of a perfect cup: aroma, body, acidity, and flavor.
From the moment the average coffee lover opens a fresh bag of coffee beans, the aroma beckons, percolating the senses. Even those who don’t drink coffee tend to enjoy the fragrance a roasted bean casts.
When determining the body of a coffee, the bean, the roast, and the brew are all factors. The bean affects the texture of the coffee, whether its silky, creamy, thick or thin on the tongue and throat. However, the darker the roast and how it is brewed will alter the feel of a coffee’s body, too. Grandpa’s motor oil blend versus the coffee shop around the corner’s silky smooth, well-practiced grind have entirely different bodies.
The region a coffee is grown determines its acidity. The higher the elevation the coffee grows, the higher the quality and the acidity. These coffees are considered brighter, dryer, even sparkling by cuppers.
When it comes down to it, coffee lovers cherish the flavor as well as the caffeinated boost this roasted bean gives morning or night, black or with cream and sugar. Hot or cold it provides enjoyment even when decaffeinated!
There are many legendary accounts of how coffee first came to be, but the earliest credible evidence of either coffee drinking or the knowledge of the coffee tree appears in the middle of the 15th century in the Sufi monasteries around Mokha in Yemen. It was here coffee seeds were first roasted and brewed, much like they are prepared today. Yemeni traders brought coffee back to their homeland from Ethiopia and began to cultivate the seed.
In 1670, coffee seeds were smuggled out of the Middle East by Baba Budan , as he strapped seven coffee seeds onto his chest. The first plants grown from these smuggled seeds were planted in Mysore. It was then that coffee spread to Italy, to the rest of Europe, to Indonesia and the Americas.
Brazil produces more coffee in the world than any other country followed by Colombia. More than 50 countries around the world grow coffee, providing a delicious variety for the indulgence of steamy cups of the black drink for connoisseurs to consume.
Enjoy a cup or two of your favorite coffee. Use #NationalCoffeeDay to post on social media. Here is a list of National Coffee Day Specials .
Here are four great reasons to consider buying a home today, instead of waiting.
1. Prices Will Continue to Rise
CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.7% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.0% over the next year.
The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.
2. Mortgage Interest Rates Are Projected to Increase
Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have hovered around 4%. Most experts predict that rates will rise over the next 12 months. The Mortgage Bankers Association, Fannie Mae, Freddie Mac and the National Association of Realtors are in unison, projecting that rates will increase by this time next year.
An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.
3. Either Way, You Are Paying a Mortgage
There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.
As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.
Are you ready to put your housing cost to work for you?
4. It's Time to Move on With Your Life
The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.
But what if they weren’t? Would you wait?
Look at the actual reason you are buying and decide if it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.
If purchasing a home for you and your family is the right thing for you to do this year, buying sooner rather than later could lead to substantial savings.
We previously informed you about a study conducted by TransUnion titled, “The Bubble, the Burst and Now – What Happened to the Consumer?” The study revealed that 1.5 million homeowners who were negatively impacted by the housing crisis could re-enter the housing market between 2016-2019.
Recently , HousingWire analyzed data from the US Bankruptcy Courts and revealed that 6 million Americans will have their bankruptcies disappear off their credit reports over the next five years and that this could “ possibly send a flood of more homebuyers into the housing market. ”
The chart below shows the total number of bankruptcies filed by year in the US over the last 10 years. The light blue bars represent over 3.3 million people who have already waited the 7 years necessary for their reports to no longer include their bankruptcies.
ICEHOUSE AMPHITHEATER: The 246th Army Band will play a free concert at 7 p.m. Monday, July 3, before a fireworks display. 107 W. Main St., Lexington.
SALUDA SHOALS PARK: The Lake Murray Symphony Orchestra’s Star-Spangled Symphonic Salute is 8 p.m. Monday, July 3. 5605 Bush River Road. $5 per car.LEXINGTON COUNTY PEACH FESTIVAL: There’s something oh so American about a day that includes a peach recipe contest, a car show, a peach parade, live music and, obviously, fireworks. The festival starts at 9 a.m. Tuesday, July 4, at the Gilbert Community Park with fireworks at 10 p.m. 110 Rikard Circle, Gilbert.
"Star Spangled Symphonic Salute" Concert | Lake Murray Symphony Orchestra
Saluda Shoals Park!
Patriotic concert at Saluda Shoals Park! Broadway songs, patriotic music and sing-a-longs. Bring picnic blanket or chair. Children's activities. 7pm. More here.
246 Army Band | Icehouse Amphitheater
Monday, July 3, 2017
Uncle Sam Jam | Mount Pleasant Pier
Tuesday, July 4, 2017
To start the year, housing experts all agreed on one thing: 2017 was going to be the year we would see mortgage interest rates begin to rise. After years of historically low rates, and an improving economy, the question wasn’t if they would increase but instead how much they would increase . Some thought we could see rates hit 5-5.5% by the end of the year.
However, the exact opposite has happened. Instead of higher rates as we head into the middle of 2017, we now have the lowest rates of the year (as reported by Freddie Mac ). Here is a graph of mortgage rate movement since the beginning of the year: