Lexington South Carolina Real Estate

What is your due diligence in regards to Sex Offenders?

Chip Jefferson (Gibbs Realty and Auction Company) — Sat, 20 Feb 2010 05:33:49 -0800

How far should you go? Scenario #1: You are under a listing agreement with Client A. After listing the property you become aware of a sex offender living in the home next door. ABC Agency calls wanting to show your listing, do you make the agent aware of the sex offender living next door so that they can tell there client or do you trust that they have done there job and given there client the required Sex Offender Registry disclosure to verify the information themselves? What if a customer calls you direct about the same listing, do you handle it the same way? Scenario #2: You have entered into a Buyer Agency agreement with Client A and have provided the required discolsure in reference to the Sex Offender Registry that directs them to the local sex offender website for more information. Client A wishes to view a property that you know has a sex offender residing next door. Do you share this information with your client or have you already done your due diligence by providing the sex offender disclosure? National Sex Offender Registry Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Things to do In Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 28 Jan 2010 01:17:23 -0800

Friday, January 29-Sunday, January 31. Columbia Home Building and Remodeling Expo. This comprehensive and expansive home show brings together homeowners and many of the most knowledgeable and experienced remodeling and building experts. Professionals will be on hand to share their valuable knowledge to bring your ideas to life or inspire you with new ones. See the latest innovations and design trends. Experts will be showcasing everything for the home including, but not limited to the latest in cabinetry and countertops, flooring, sunrooms and additions, basement finishing, waterproofing, smart home automation, energy efficient windows and exterior products. Columbia Metropolitan Convention Center. Friday | 2-8 pm, Saturday | 10 am-8 pm, and Sunday | 11 am-6 pm. Cost is $4 for adults and children under 18 are free. Visit Home Show Center for more information.

Friday, January 29-Sunday, January 31. Mike Epps! Mike Epps has generated an extraordinary amount of buzz among his peers and within the entertainment industry for being one of the funniest comic actors to emerge on the Hollywood scene of late and he's in Columbia for 3 nights! Visit the Comedy House Theatre for more information.

Saturday, January 30. Magic Show at Cromer's. Cromer’s will kick off it's 75th Anniversary with a fun-filled day of magic benefiting Ronald McDonald House Charities. Cromer’s will open its warehouse, which is rarely open to the public, on Saturday for two magic shows at 10:30 a.m. and 2:00 p.m. Magician John Tudor will dazzle crowds of all ages with unbelievable new tricks and old magic tricks inspired by those James Cromer, the second generation owner of Cromer’s, invented many years ago. Tickets are $5, with free popcorn. For more information contact Katie Alice Walker at 227-0914 or kwalker@rileycommunications.com.

Saturday, January 30. Auntie Karen Celebrates African American History. Auntie Karen Celebrates African American History with The Columbia Museum of Art, CSAM (Center for Southern African-American Music) & USC's Art Institute. This event is free however; museum admission applies to tour the museum galleries. The program features local performers specializing in jazz and gospel, poetry and visual arts. “The Shops at Auntie Karen’s Place” feature local vendors throughout the program. Performances begin at 11:00 a.m. Visit the Columbia Museum of Art for more information.

Saturday, January 30 & Sunday, January 31. USC Basketball. After this last game where the men's team defeated Kentucky by 6 points, who would want to miss a single game? The men take on Georgia at 7 pm on Saturday and the women take on Tennessee at 2 pm on Sunday. Visit Gamecocks Online for more information.

Monday, February 1. Village Idiot Fundraiser. The staff and owners of The Village Idiot Pizza & Pub are hosting a fundraiser for the American Red Cross 2010 Haiti Relief Effort from 4 pm until closing. 100% of food and drink sales will be donated to the Red Cross, as well as the voluntary $5 donations at the door. They will also be accepting tax deductible cash donations. Not only will the Village Idiot be serving its delicious and famous pizza, but there will be live music featuring members of Columbia’s local favorite band, Shallow Palace, along with other guest musicians. Patrons will receive a raffle ticket for every $5 donation that will enter them to win great prizes, including an iPod. Visit Village Idiot for more information.

Thursday, February 4-Sunday, February 7. Ringling Bros. and Barnum & Bailey Circus!. Through the mystery of magic and the mastery of skill, audiences will be spellbound as Ringling Bros. and Barnum & Bailey presents ZING ZANG ZOOM , a thrill-filled, mind-blowing circus spectacular where family fun is no illusion. Magical Zingmaster Alex and his assistant, Levitytia, lead audience members through an extraordinary world of fantasy that celebrates the uplifting spirit of the circus and also wards off the cynical Mr. Gravity and his team of Heavies who try to bring everyone down. Visit the Colonial Life Arena for additional information and to purchase tickets.

Thursday, February 4. Daddy Daughter Date Night. Young ladies and their dads or grandfathers can enjoy this special date night together. The evening includes a candlelight dinner followed by lots of dancing, a memory photo and a goody bag. Space is limited and tickets must be purchased in advance. Ages 4-adult. $45 for couples, $20 for individuals. Crooked Creek Park from 6-9 pm. compliments of ©2010 Gardener Publications | 1523-E Sunset Blvd | West Columbia SC | 803-798-6960 www.hugerstreet.com Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Columbia South Carolina Investment homes

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 28 Jan 2010 00:56:13 -0800

Columbia South Carolina Investment homes 832 Cindy Drive Columbia, SC 29203 3 bed / 1.5 bath 1032 SQFT Brick home Zillow Estimate: $69,500 Investor Price: $ 31,900 2235 Corning Road Columbia, SC 29205 Rosewood Area 1024 SQFT 3 bed / 1 bath Brick Home Would be a great rental! Investor Price: $29,000 - Reduced 612 Crane Church Road Columbia, SC 29203 4 Bedrooms/1 Bathroom 1115 SQFT Investor Price: $27,900 Email or Call for entry. 1700 Old Hilton Road Chapin, SC 4.33 Acres 5 bed/ 4 bath 2548 sqft 2 car garage, fireplace Appraisal: $250,000 Investor Price: $157,500 Columbia South Carolina Investment homes are cash only deals. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

things to do in Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Fri, 22 Jan 2010 04:59:30 -0800

things to do in Lexington South Carolina Monster Jam Saturday, Jan 23 2:00p at University of South Carolina: Colonial Life Arena, Columbia, SC Welcome to Monster Jam, an incredible family-friendly experience starring the biggest performers on four wheels: Monster Jam monster trucks. These twelve-feet-tall, ten-thousand-pound machines will bring you to your feet, racing and ripping up a custom-designed track full of obstacles to soar over - OR smash through! Mesozoic Monsters Saturday, Jan 23 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. The Odd Couple Sunday, Jan 24 3:00p at Town Theatre, Columbia, SC Time Magazine called The Odd Couple “an evening of group hysteria” and indeed it is! Come see the disastrous, hilarious results as Felix-the-neat moves in with Oscar-the-slob in one of Broadway’s best-known comedies from the pen of one of America’s greatest writers, Neil Simon. Odds are, you’ll love the show! read more Giggle Science Saturday, Jan 23 10:00aat EdVenture, Columbia, SC Get your child giggling about science! These weekly programs will capture your child’s innate curiosity about their world and ignite an early interest in science. Programs include education experiences and FUN hands-on activities such as making snow and experimenting with items that sink or float. read more Soul Patrol Saturday, Jan 23 8:00p at Mac's on Main, Columbia, SC. 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 Fatback & the Groove Band. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Free Fridays at the world famous Riverbanks Zoo

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 14 Jan 2010 00:16:41 -0800

Looking for something to do on Friday with the kids out of school for there 3 day weekend? Free Friday at the Riverbanks Zoo just may be the ticket. With the warmest temperatures of the year (sunny 64) forecasted for Friday I know this is where we will be. "The Free Fridays program is a way for Riverbanks to give thanks to the residents of Richland and Lexington counties for their support of the Zoo and Garden," said Satch Krantz, executive director of Riverbanks Zoo and Garden. Riverbanks Zoo is a special purpose district and receives funding each year from the taxpayers of Richland and Lexington counties. To qualify for free admission, Richland and Lexington county SC residents will be asked to show proof of residency with a valid ID or a copy of their property tax statement. All other visitors will be charged regular admission. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

World Beer Festival Columbia SC

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 13 Jan 2010 22:41:53 -0800

World Beer Festival Saturday, Jan 16 12:00p to 10:00p at Columbia Metropolitan Convention Center, Columbia, South Carolina. A celebration of the world beer culture, The World Beer Festival provides attendees a broad sampling of hundreds of beers from over 100 breweries from around the world, food from a variety of local restaurants, educational sessions by industry experts, and entertainment by local musicians. Download your guide and put it in the book it's one you don't want too miss. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Things to do In Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 07 Jan 2010 05:53:15 -0800

Things to do In Lexington South Carolina Snowville Friday, Jan 8 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 moreMesozoic Monsters Friday, Jan 8 10:00a to 5:00pat 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.Bridal Showcase Sunday, Jan 10 12:00p to 5:00p at SC State Fairgrounds, Columbia, SC Featuring more than 100 exhibit booths of bridal service vendors in the Americraft-Cantey Buildings. Great door prizes. Fashion shows at 1:30 and 4 p.m. All proceeds donated to Sharing God's Love, a local cooperative emergency-needs ministry.Polar Bear Plunge Saturday, Jan 9 10:00a to 12:00p at Lake Carolina Village Green, Columbia, SC Lake Carolina invites everyone to come brave the chilly waters in support of Children’s Charities of the Midlands at the Polar Bear Plunge on Sat., Jan. 9 at 10 a.m. in Lake Carolina’s Sunset Park. For the sixth year in a row, the Polar Bear Plunge event is helping to raise funds for Children’s Charities of the Midlands, a 501(c)3 organization dedicated to promoting charitable endeavors that are committed to improving the health, welfare and education of South Carolina’s youth. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Start the New Year with a free trip to the Zoo

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 06 Jan 2010 02:01:13 -0800

Start the New Year with a free trip to the Zoo. Riverbanks’ Free Friday program begins this Friday, January 2 and continues through February 27. Each Friday during the months of January and February residents of Richland and Lexington counties will receive free admission to Riverbanks Zoo and Garden. “The Free Fridays program is a way for Riverbanks to give thanks to the residents of Richland and Lexington counties for their support of the Zoo and Garden,” said Satch Krantz, executive director of Riverbanks Zoo and Garden. Riverbanks Zoo is a special purpose district and receives funding each year from the taxpayers of Richland and Lexington counties. To qualify for free admission, Richland and Lexington county residents will be asked to show proof of residency with a valid ID or a copy of their property tax statement. All other visitors will be charged regular admission. Riverbanks’ Zoo winter hours are 9 a.m. to 5 p.m. daily. January and February make for a great time to visit the Zoo because many of the animals are most active during the cooler winter months. There are also several indoor exhibits where guests can step in from the cold. These exhibits include: the Birdhouse at Riverbanks, Aquarium Reptile Complex, Gorilla Base Camp and Koala Knockabout. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Ever find yourself in a tight situation?

Chip Jefferson (Gibbs Realty and Auction Company) — Tue, 05 Jan 2010 06:22:25 -0800

We all find ourselves in tight situations every now and then. How do you handle it? Are you the type to self persevere and find the answer yourself? Would you call on a coworker or friend? These are all great answers, but sometimes all we can do is smile and make the best of the situation! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Lexington SC Dixie Baseball Registration

Chip Jefferson (Gibbs Realty and Auction Company) — Mon, 04 Jan 2010 02:40:38 -0800

Lexington SC Dixie Baseball Registration IMPORTANT NEWS: REGISTRATION HAS CHANGED: New Location: Lexington Middle School Cafeteria 9:00-1:00 on Saturday Jan. 9th and 16th REGISTRATION is $80.00 and can be paid with either cash or checkREGISTRATION FORM Welcome, We hope our new website will give you timely information and provide easier access to all the league information which will add to your enjoyment! Lexington SC Dixie Baseball is proudly a member of District 4 in Dixie Youth(6-12 year old) and Dixie Boys/Majors District 6 (13-19). We strive to provide an atmosphere which fosters sportsmanship through fundamental instruction and a highly competitive atmosphere in one of the strongest Dixie Youth and Dixie Boys/Dixie Majors Districts in the nation. Champions continue to come from this district! Special thanks to all our parents, volunteers, coaches, team mom’s, and especially the players.........You are the best! Our motto "Play Hard, No Excuses - Win with Integrity" exemplifies our commitment to wide open competition and sportsmanship. My how time has flown. I so love baseball season and cant wait for it to get going! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Happy New Year to everybody!

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 31 Dec 2009 03:06:33 -0800

I wanted to take this time to wish all of my friends and family a very Happy New Year. 2010 looks like it will bring interesting times to us all. I hope that in 2010 you get all that you wanted and more than you deserve. May god bless you all and watch over you, your friends and your family. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Lexington South Carolina Real Estate, 501 Lost Branch Rd Lex SC 29072

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 30 Dec 2009 23:53:51 -0800

Lexington South Carolina Real Estate

Laura Jefferson | Acquire Real Estate | 803-206-4131

501 Lost Branch Road, Lexington, SC

Great secluded and private country home in Lexington South Carolina. Rare 1.31 acres on a nice 2+ acre pond. Horses welcome.

5BR/3BA Single Family House

offered at $125,000

Year Built	2007
Sq Footage	2,700
Bedrooms	5
Bathrooms	3 full, 0 partial
Floors	2
Parking	None
Lot Size	1.31 acres
HOA/Maint	$0 per month

DESCRIPTION

Wow act quickly as this rare find will go fast. Private and secluded country feel with close in location to Lexington SC. Home is not completed so you can pick your colors. Call and act quickly Owner/Agent

see additional photos below

PROPERTY FEATURES

- Fireplace	- Walk-in closet	- Living room
- Dining room	- Attic	- Laundry area - inside
- Balcony, Deck, or Patio	- Yard

COMMUNITY FEATURES

- Lake

ADDITIONAL PHOTOS

Photo 1	Photo 1
Photo 2	Photo 3

Contact info:

Laura Jefferson

Acquire Real Estate

803-206-4131

For sale by individual owner

Equal Opportunity Housing

Posted: Dec 31, 2009, 4:20am PST

Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Lexington South Carolina Grinding of the Greens

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 30 Dec 2009 22:16:17 -0800

Keep the Midlands Beautiful annual Lexington South Carolina Grinding of the Greens will take place December 26, 2009 through January 8, 2010 at the following locations: In Lexington County SC, Christmas trees will be accepted for recycling at the Edmund Landfill, Crooked Creek Park in Chapin, Hollow Creek Tree Farm in Gilbert, Saxe Gotha Presbyterian Church in Lexington, and Seven Oaks Park in Columbia. Free mulch will be available Saturday January 9th, 9 a.m. until it runs out at Seven Oaks Park. For more information, including address and additional participating locations, visit Keep the Midlands Beautiful website. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Merry Christmas to all

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 24 Dec 2009 02:56:57 -0800

From My Family to yours a very Merry Christmas. May peace and joy be with you all. For a child is born to us, a Son will be given to us, andthe government shall rest upon His shoulders and His namewill be called Wonderful, Counselor, Mighty God, EternalFather, Prince of Peace. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Wordless Holiday Lights on the River

Chip Jefferson (Gibbs Realty and Auction Company) — Sun, 20 Dec 2009 02:26:40 -0800

Photo compliments of Irmo Chapin Recreation Commission. Dazzling, animated light displays, crafts and activities, horse-drawn carriage rides and much, much more... Holiday Lights on the River is a magical event for the entire family! Open to the public daily and its a must do in Lexington South Carolina. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Things to do In Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Fri, 18 Dec 2009 01:05:03 -0800

Lights Before Christmas Sunday, Dec 20 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.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!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 websiteSnowville Friday, Dec 18 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. The Nutcracker Friday and Sunday Dec 18 and 20. The Columbia City Ballet’s holiday family tradition, Nutcracker, dazzles South Carolina audiences each season and is a must see show. More than 200 local children and 40 professional dancers, this award-winning Nutcracker has been proclaimed by The State newspaper “as close to perfect as you can get.” Experience it for yourself its a great Holiday show! Visit the Columbia City Ballet for show times. Holiday Tour Of Historic Homes Saturday, Dec 19 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. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Sharing Your Blessings

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 17 Dec 2009 01:13:59 -0800

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.

Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

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

Chip Jefferson (Gibbs Realty and Auction Company) — Tue, 15 Dec 2009 23:11:53 -0800

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. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

things to do in Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 09 Dec 2009 23:09:34 -0800

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! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Experience the Magic, Holiday Lights on the river

Chip Jefferson (Gibbs Realty and Auction Company) — Tue, 08 Dec 2009 00:54:48 -0800

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 AdmissionCars: $10 15-Passenger Vans: $20 Buses: $35 Holiday Lights Group Rates (cars only)1-9 $10.00 per car pass10-24 $9.00 per car pass25-49 $8.00 per car pass50+ $7.50 per car pass Dates, Times and LocationNovember 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 DirectionsFrom 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! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

This man called Jesus

Chip Jefferson (Gibbs Realty and Auction Company) — Mon, 07 Dec 2009 05:26:08 -0800

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. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Lexington South Carolina's Christmas Parade

Chip Jefferson (Gibbs Realty and Auction Company) — Sat, 05 Dec 2009 06:56:35 -0800

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. Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

things to do in Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 02 Dec 2009 22:41:25 -0800

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! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

things to do in Lexington South Carolina

Chip Jefferson (Gibbs Realty and Auction Company) — Thu, 26 Nov 2009 22:27:54 -0800

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, SCSnowville 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 Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com

Be Thankful

Chip Jefferson (Gibbs Realty and Auction Company) — Wed, 25 Nov 2009 21:54:26 -0800

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 whoare 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! Chip Jefferson Gibbs Realty & Auction Co. INC Mobile 803-360-0491 Office 803-808-1260 Fax 803-808-1264 www.gibbsrealty.net www.ChipJefferson.com