Wednesday, November 21, 2007

Atlanta: Forbes' Most Undervalued Cities


Forbes magazine recenly published this article by Matt Woolsey about the cities in this country with the most undervalued property. Atlanta was in the top 3 along with Charlotte, NC and Detroit, MI.
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Matt wrote: "Market slumps often result in good buys, and solid investments get tagged with bargain prices due to the volatile market. One place to look for these deals is the housing sector, where worries about a continuing dip in home prices are keeping many buyers on the sidelines, and keeping a lid on prices."
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That is exactly what I tell people everyday when they ask about the market, fearful that they should stay out of it. No! NOW is the time to buy. I firmly believe that the spring will bring a rise in prices and people will not be able to find the deals that are out there today.
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If you are in need of a home, NOW is the time to buy. Call me today so we can get to work. We may even have you in your new dream house by Christmas! 770-862-8002.
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Michael Bradford
Southern Prime Realty

Tuesday, November 20, 2007

NAHB To Launch Green Building Program


The National Association of Home Builders (NAHB) plans on launching a new program for it's members at at the 2008 International Builders’ Show in Orlando on February 14th. This program will "link dozens of successful state and local voluntary green building programs with a national online scoring tool for builders and verifiers. It also will provide a registry of green homes and green builders as well as extensive educational resources."
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NAMB surveyed it's members earlier this year and found that 90% were interested in a voluntary green building certification program. NAHB President Brian Catalde stated that more than 100,000 homes have already been built and certified by voluntary, builder-supported programs across the country.
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Read more about this program by clicking HERE. You can also find out more about the 2008 International Builder's Show by clicking HERE.

Monday, November 19, 2007

Caption Contest

We can't quite decide what happened here. We thought this would be a golden opportunity to have a caption contest. So here's the deal:

1. The winner will receive a $10 Home Depot Gift Card.
2. The winner will be decided by my our panel of judges: my wife, son, daughter and I.
3. All entries should be left in the comment box before Saturday, November 24th.
4. Winner will be announced on Monday, November 26th.

Questions? Call me at 770-862-8002

Friday, November 16, 2007

FHA steps up to the plate!

After years of losing market share to private lenders, the FHA is poised to make a major comeback in the low to moderate income borrower market. The Federal Housing Authority’s insured loan program has grown significantly since the “sub prime” market problems that we have seen for the last several months. According to Brian Montgomery, FHA commissioner and assistant secretary for housing at the U.S. Department of Housing and Urban Development,” FHA has doubled its loan volume and is on track to reach some 240,000 borrowers in 2007”. To read this article from REALTOR®Magazine-Daily click here.

This is good news for borrowers everywhere. A reformed and streamline FHA program that can compete with a “sub prime” private lender is in everyone’s (except maybe the sub prime lender) best interest. FHA programs not only can help keep the market stable and moving, but they are also very good at educating borrowers about what is expected from them regarding home ownership. Most “sub prime” lenders only care about getting the loan to closing and getting paid for the origination of that loan. Lot’s of people got loans they had no business getting in the first place and we are seeing the results of that now with record foreclosure rates.

Now don’t get me wrong, I am all for the free market and I believe there is a place for “sub prime” lenders. But I also know that a lot of people were taken advantage of and not really educated in what they were signing up for with some of these loan products. A reformed and streamlined FHA will help educate people to the realities of home ownership and also what mortgage choices people have and what those choices mean.

If you though that you could not buy a home because of credit or income reasons, were smart enough to reject a “sub prime” loan, or did not have enough cash for the down payment, now is the time to take a look at the new FHA. There is even a program for buying a HUD home for $100 down and getting a loan for any fix-up cost.


This may be the perfect time to enter the exciting American dream of home ownership. Call me today and let’s get started!


Michael Bradford
770-862-8002

Thursday, November 15, 2007

Yellow River Game Ranch Wants Your Leaves

HERE, LEAFIE, LEAFIE !!

The Yellow River Game Ranch asks that Georgia residents, currently trapped behind their front doors by fall leaves, bag their foliage and bring stuffed bags to the 24-acre animal preserve in Lilburn. The leaves provide Game Ranch animals with necessary ground cover for winter bedding and nesting. Embedded acorns provide a source of "low-carb energy" for over 100 white-tailed deer and eager groups of chipmunks and squirrels.

Art Rilling, CEO of the Game Ranch stated, "We encourage natural recycling – it’s an ideal opportunity to help our wildlife with those beautiful, but pesky leaves!"

A wooden trailer has been set up in front of the Game Ranch for convenient deposit.

ABOUT THE GAME RANCH

The Yellow River Game Ranch, Georgia’s oldest animal preserve, is now celebrating its 44th year of providing children and adults a 'nose to nose' experience with wildlife. The preserve has over six hundred animals and birds. The Game Ranch is open seven days a week except for certain holidays, 9:30 am to 6:00 pm, with the last ticket sold at 5 pm. The Game Ranch is also home to Georgia's Official Weather Prognosticator, General Beau Lee. The history of Groundhog Day and Beau’s Official Bio are posted on the Game Ranch web site.

The Yellow River Game Ranch is located at 4525 Highway 78, Lilburn Georgia. For further information, call 770-972-6643 or visit our web site!

http://www.yellowrivergameranch.com

You know it's your last day at work when...

  • You hand a bank teller an envelope, and when she asks, "What's this?" you realize you just dropped the company's deposit in a mailbox.
  • A woman comes into the store, you turn to the other salesman and say, "I waited on the last fat ugly old lady. This one's yours." Your boss is standing behind you. It's his wife.
  • While your boss is at lunch, you sneak in and look at some confidential information on his computer. You spill coffee on the keyboard. It shorts out.
  • You return from a week's vacation to find that you had scheduled *this* week as vacation, not last week. (Just means you get to take two weeks vacation, right?)
  • You take a "sick" day. The next morning the boss asks you, "So, how was the fishing on Rock Creek yesterday?"

Wednesday, November 14, 2007

Thanksgiving Help Needed

I was reading this article in the Cherokee Tribune about local organizations that need help preparing to feed hungry people this Thanksgiving. Here are ways that you can help:


1. MUST Cherokee needs sweet potatoes, cranberry sauce, mashed potatoes, macaroni & cheese & pies. Call them at 770-479-5397 for more information.


2. Cherokee Thanksgiving needs financial donations to help cover the cost of their meal delivery program. You can make a check out to: Cherokee Thanksgiving and mail to: Canton First UMC, 930 Lower Scott Mill Rd., Canton, GA 30115.


3. Papa's Pantry needs donations of Cream of Mushroom soup, packaged stuffing, french-fried onions (for green bean casserole), canned fruit, paper goods, aluminum foil & holiday spices. You can call them at 770-591-4730 for more information.


I also found this fun website to visit. You can improve your vocabulary while earning rice for hungry people around the world. Click HERE and let the rice accumulate!

Tuesday, November 13, 2007

My Newest Listings

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If you would like to see either of these homes, or any others that you've seen for sale, please call me at 770-862-8002 to schedule your private tour.

Michael Bradford
Southern Prime Realty

Saturday, November 10, 2007

Cherokee/Cobb Servants

According to this article in REALTOR Magazine-Daily.com, Atlanta has again made the list of most afordable cities in the US. And where is the best place in Atlanta to call home, why it's Cobb and Cherokee county of course!

This article made me think of the many reasons why I love this area. All of those reasons boiled down to one thing: the people! They are so generous in giving back to their communities with their time, talents and treasures. I would like to share with my blog readers all that I can about various civic charities and services that highlight the work and giving being done in our great area.

If you would like to tell me about your charity, non-profit or service related group, please give me a call at 770-862-8002. You can also send an e-mail to me at michaelbradford@comcast.net. I would like to do some features in the near future and want to hear from all of you in Cobb & Cherokee counties.

Michael Bradford

Monday, November 5, 2007

FoxTale Book Shoppe

I love independent book stores! I love the fact that they carry really good books that nobody else does. I love the fact that the people who own them care about their customers and read what they sell. I love that they can ask you a few questions about what you like and make an accurate, good recommendation. And I love the feeling of community when I shop in one. All of those reasons are why I am a customer at FoxTale Book Shoppe in downtown Woodstock.
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I had the very good pleasure of meeting with one of FoxTale Book Shoppe's owners, Ellen Ward to talk to her about my favorite independent bookstore. My son and I sat at the checkout counter and had a terrific visit with her while she shared with us all about FoxTale.
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Upon arrival, one of the first things a visitor will notice is that the place is decorated like nobody's business! It's like visiting a cool, literary friends' place. Of course there are books on gorgeous shelves, but there is so much more to see. Each time I've gone to FoxTale, there has been a new window display. This time, there was a waterfall, colorful leaves, autumn touches and big, stuffed dogs that every customer under the age of four wanted to ride on.
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Ellen gives the credit for the shop's amazing decor to her partner, Karen Schwettman. Karen has a background in interior design so she really came through for them by giving the store the unique look, the cozy feel and the interesting touches such as the stunning chandelier, reading nooks and the fun bicycle dangling from the ceiling in the children's room. A favorite of almost all of the customers is the door that doubles as the checkout counter.
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Ellen says that there is a reason there are 2 barstool chairs at the checkout. "All of us (owners) are writers and we like to hear stories. When people come up here to check out, they'll have a seat and we just talk. We love to hear their stories. It helps us get to know our customers on a much more personal level."
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When I asked Ellen how FoxTale came to be, she relayed a story about how she, Jackie & Karen all attended a writing class at KSU and became friends. When Karen & Ellen went to Denver for their 50th birthday, they visited The Tattered Cover book store and were inspired by it. After that, everything started really coming together. Ellen thinks it's quite a trifecta that they all have backgrounds that compliment each other. Besides Karen's interior decorating background, Ellen worked in advertising for 18 years. Jackie was a paralegal. Together, they have all been able to take on various responsibilities to help the store run smoothly.
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When asked about their vision for the store, Ellen said it's the same vision of most independent book stores: to be an integral part of the community, to carry good books that larger chains don't have and to cooperate with other businesses nearby to create a stronger sense of community. They want to be able to point serious readers like me to really good books that I may not know about. One of my observations that Ellen confirmed is that unusual people gravitate to independent bookstores. And this book store is a necessary element to a part of downtown Woodstock in it's new growth phase where more communities are being established within walking distance of the main street area. This is creating a more diverse group of people coming downtown to shop, dine and enjoy the park.
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Besides the fun activities that the book store hosts, they also stay open after hours for book clubs to meet. They host authors, have birthday parties for children in their big children's room, and even have a story time each Monday and Saturday at 11am. With all of the events and book clubs at FoxTale, Ellen suggests that people either come by the store or send an e-mail to her at Ellen@foxtalebookshoppe.com to request being added to their e-mail announcement list. This will keep you "in the know" about their activities and events. OR, you can just check out the EVENTS on the sidebar of this site and we'll be sure to have FoxTales's updated regularly.
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When asked what types of things are on the horizon for FoxTale Book Shoppe, Ellen says they are about to start an online ordering service from their website (CLICK HERE), offer writing classes, add more book clubs and possibly start serving coffee, tea and snacks.
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As we talked about living in Cherokee County, I asked Ellen what some of her favorite places are (both in Cherokee and in north Georgia). Since she lives in Waleska, she enjoys activities at Reinhardt College (especially the music events) and shopping in Canton. She also loves visiting
Amicalola Falls, the High Museum of Art, the Georgia Aquarium and the fabulous Fox Theatre.
As I browsed the store, I couldn't help but remember that Christmas is just around the corner! Not only did I see books for sale, but also candles, calendars, journals, stuffed animals and loads of quality educational toys and really unique gifts that you don't see for sale everywhere else.
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Ellen reminded me that if they don't have a book that I'm looking for, they can order it and in most cases, the book will be delivered to them the NEXT DAY!
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While I was there, a man came in to pick up a gift bag. Ellen tells me that many people call them with a budget and tell them what the receiver likes. FoxTales will put together a collection of items that fit your budget. The one I saw was very nice and the goodies were in a nice FoxTales canvas tote bag.
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And in case you are reading this, Santa, here are a few things I would like to add to my personal Christmas wish list:


1. Savannah Bee Sugared Honey Body Scrub



2. This very cool FoxTale Book Shoppe fitted T-shirt3. Rock-n-Roll Quiz & Trivia page-a-day calendar
Be sure to visit FoxTale Book Shoppe located 105 East main Street, #138 next to the Woodstock City Park. (Map:Map of 105 E Main St Woodstock, GA 30188-5013, US ) Take your Christmas list with you!

Saturday, November 3, 2007

Georgia Ranked #2 Business Climate



According to THIS article in the Atlanta Journal & Constitution, Georgia moved up 2 spaces from last year to end up in the number 2 position for the nation's best business environment. This ranking was made by Site Selection Magazine.
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According to the magazine editor, Mark Arend, the trend seems to be that businesses are moving into southern areas that are less dominated by unions - the "right to work" states.
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Wonder how they all shook out? Here is the final list:
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THE TOP 20
1. North Carolina
2. Georgia
3. Texas
4. Virginia
5. Alabama
6. Tennessee
7. Ohio
8. Kentucky
9. Florida
10. South Carolina
11. Indiana
12. Michigan
13. Illinois
14. Pennsylvania
15. Oklahoma
16. Iowa
17. Mississippi
18. Missouri
19. Nevada (tie)
19. New York (tie)
• Source: Site Selection Magazine's 2007 Top 20 Business Climate Rankings

Friday, November 2, 2007

Feds Cut Interest Rate

As everyone thought, The Federal Reserve Bank cut it's interest rate that it charges banks by a quarter point to 4.5%. REALTOR.com® gave a report on the rate cut today. I think the most significate remarks made yesterday as reported in the AJC article was "the risks to the economy from inflation "roughly balance," or are equal to, the risks of a serious downturn in economic growth. Previously, the risks of a recession were seen as more of a threat to the country's economic health."

What does that mean? It means we probably won't see another reduction this year. For those who are waiting for the interest rates to bottom out before buying or refinancing a house, this may be it. It may take a couple of days or a week before this rate cut drives down mortgage rates, but I believe in the next few days we will see excellent rates for mortagages and loans.

If you call me today, you could be in your new home by the holidays. Let's find your new home and I will even buy your first Christmas tree! Call me at 770-862-8002.

Michael Bradford
Southern Prime Realty