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This weekend The Cooley Team will be in Baxter for the annual Baxter Fall Festival & Market Day!  Come out and register with  us, we are having two seperate drawings for $100 gift certificates to The Fish Market in Baxter.  Weather should be great!  We’ll look forward to seeing you there!

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While the growth has been modest, banks are starting to make more loans again, The New York Times reports. Yet, the lending does tend to favor the strongest corporate and consumer borrowers, the article notes.  With more stringent underwriting criteria the last few years, many borrowers have expressed concern over the increasing trouble in qualifying for a loan today.  But “the narrative that banks aren’t lending is incorrect,” Timothy J. Sloan, Wells Fargo’s chief financial officer, told The New York …

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CLEMSON, S.C. –  Clemson first-year offensive coordinator Chad Morris has already heard more than he wanted about the Tigers’ last trip to Virginia Tech. The miserable trek to Blacksburg in 2006 ended in a 24-7 rout by the Hokies. “That’s one of the things I keep hearing is how Clemson got hit in the mouth and ‘How quick can we get back to the bus?’” Morris said. “And that’s something I know coach (Dabo) Swinney’s going to talk to our …

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COLUMBIA –  The South Carolina fan base might be wavering in its support of Stephen Garcia, but his coaches and teammates are still standing behind the embattled fifth-year senior quarterback. Garcia’s struggles with his accuracy this season have been well-chronicled, from the opener against East Carolina when he completed just 10 passes, to last week when he threw four interceptions against Vanderbilt. Garcia’s completion percentage has tumbled to 54.7 percent this season, and he has thrown more interceptions (7) than …

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First-Time Homebuyer’s Guide

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Fix Your Credit The first step toward buying a home takes place months before walking into your lender’s office. It’s crucial to check your credit score at least three to six months ahead of your mortgage application, says Rod Griffin, director of Public Education at Experian. You can request a free copy of the report from each of the three credit bureaus (Experian, TransUnion and Equifax) at annualcreditreport.com. Even if you don’t have sterling credit (generally a FICO score of …

 

Simple Steps to a Clean and Clutter-Free Home

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What you have finally decided is to sell your home and get it sold as soon as possible. Preparing everything and setting your home at its best are things that you have in mind right now. You simply need to consider the perspective of homebuyers. You need to ask yourself if your house is worth buying. Does your home have what it takes to convince a homebuyer to buy it quickly? The time prospective homebuyers come to view your home; …

 

Some Do’s and Don’ts to Help You Sell

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When recently reading an article in RISMedia I came across a few notes on what homeowners shouldn’t do when attempting to sell their home. See if you agree!! 1. Don’t slack off on home maintenance. Houses in need of TLC often attract investors or property flippers, which are known for submitting low-ball offers. To attract offers and the highest bids, sellers should attend to any upkeep and maintenance issues before putting the house for sale. 2. Make sure the home …

 

Mortgage Rates Hover Around Record Lows

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Mortgage rates this week are averaging at or near historic lows, Freddie Mac reports in its weekly mortgage market survey.  “Weaker economic data reports eased upward pressure on mortgage rates this week and kept them at or near all-time record lows,” says Frank Nothaft, Freddie Mac’s chief economist. Here’s a closer look at rates for the week:  30-year fixed-rate mortgages: averaged 4.22 percent this week, holding steady at last week’s average. Last year at this time, 30-year rates averaged 4.32 …

 

Top 10 Home Improvements That Pay You Back

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If you’re planning to sell your house any time soon, home improvements that build property value should be on your to-do list. It’s a buyer’s market, and between tighter purse strings and plenty of properties to choose from, shoppers want homes that are move-in ready and free of the need for home improvement projects that will add to their own bottom lines. “There’s enough inventory out there right now that buyers can find what they like without having to compromise,” …

 

Use Paint To Manipulate Mood

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Painting your home is a great way to enhance the appearance of your home, especially when it’s time to sell. But don’t just slather on a fresh coat for the sake of upgrading. Choose colors that will enhance your mood. When it’s time to sell, anything that you can do to improve the mood of today’s buyers also will help you sell your home. “Repainting is a low-cost way to greatly enhance the appearance of a home, and new paint …