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Thank you for Nominating Us Best Dentist and Orthodontist!

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655 St. Andrews Rd. (803)731-2538 Lunch:Tues-Fri 11:45am-2:00 pm Dinner:M-Thurs. 5:00-10:00pm, Fri & Sat. 5:00-11:00pm Facebook.com/inakayawatanabe

Thank you for nominaang us!

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Hours:Monday–Friday 7:30am–5pm James Loging – Phillip Milner – John Hibbitts – William Owens – Wilson Van Dam – Mark Wilson – Angela Amick, NP – Koskie Gibson, OT – Jacquelyn Van Dam – Giridhar Gundu – John Newkirk

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P R ES EN TED B Y

SAVE THE DATE FRIDAY H SEPTEMBER 14, 2018 H 7:00 P.M.

RUN, WALK, HONOR OUR HEROES • Register at T2TRunSC.org irmochapinlife.com

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from the EDITOR My son Noah loves to be buried in the sand. While on vacation in Folly Beach, he buried my feet and I buried his. There was a small tree branch laying nearby. Noah suggested we try to make it stand up, so we buried about a foot of the branch in the sand. I was surprised when it stood straight in the stiff breeze. Noah was proud and wanted to name the tree. He suggested a combination of our names, like Toah or Nodd. We both quickly agreed on Toah. After dinner, we returned to the beach to watch the sunset. We were stunned to see Toah still standing. Better yet, people were taking pictures by the tree. The next morning, Toah remained firmly rooted in the sand. Toah received a lot of attention that day. No one could figure out why a tree branch was standing in the middle of the ocean surf. Some people tugged, but it didn’t budge. Others took pictures, and some even added small shells to the branches. Formerly a dead tree limb, Toah had come to life. A sunbather took up residence right next to Toah. We were jealous that someone had beaten us to “our” tree. Then I realized that Toah was not ours. It belonged to God. Toah survived the entire week of storms, waves, high tides, and curious onlookers. We didn’t bury the branch very deep, yet God kept it upright. Why? I don’t know. I’ve learned not to question God, but to respect everything He does because He is almighty, and I am mortal. I spent my last day beached next to Toah. I was the only one there, but I didn’t feel alone. I felt God’s presence and spoke silently to Him, and then I listened. I thanked Him for my family and asked Him to look over us with grace. When I gathered up my belongings, an ocean breeze rustled through Toah’s branches as if to say goodbye. I smiled and snapped another picture, extremely thankful for the time we spent together. If you’d like to see pictures of Toah, check out lexington_irmochapinlife on Instagram. Todd Shevchik

14 INSIDE the ISSUE FEATURES 14 39 24 33

Second Hand Time Real Estate 2019 Best Of Irmo-Chapin Nominees The Silver Tsunami

DEPARTMENTS 7 From the Publisher 9 Events 13 Irmo-Chapin Leaders 47 Spice of Life

COLUMNS

(front ro w, L to R) K Cathari ne Clark im Curlee, Kati e , (back row, L to Gantt, R) Tracy Tuten,E linor Fa tato

11 Faith Matters 21 David Clark PUBLISHER & EDITOR-IN-CHIEF Todd Shevchik toddshevchik@gmail.com

Elinor Fatato elinor.fatato@gmail.com • 803-447-0873 Cara Hardy cph@carahardy.com • 803-315-9671

DIRECTOR OF SALES Donna Shevchik shev26@aol.com • 803-518-8853

HOSPITALITY COORDINATOR Catharine Clark cclark0835@gmail.com 803-800-0835

EDITOR Katie Gantt kpgantt@gmail.com

GRAPHIC DESIGN Jane Carter Kim Curlee

EDITOR EMERITUS Allison Caldwell

WEBSITE DESIGNER Paul Tomlinson

BEAUTY AND FITNESS EDITOR: Amber Machado ACCOUNT EXECUTIVES Tracy Tuten tracy.tuten@outlook.com • 803-603-8187

CONTRIBUTING WRITERS Kristi Antley , Mary Ann Hutcheson, Jackie Perrone, Derek Savoy CONTACT US: 803-356-6500

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Thank You for Your Nomination Ernie Yarborough Insurance Agency 1034 Briargate Circle Columbia, SC 29210

Ernie Yarborough | 798-0692 2018 Nationwide Insurance, Community Service Award Winner 2017 Leukemia & Lymphoma Society, SC  Midlands Man of the Year "Doing more than just selling insurance."

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Events July-August Tuesdays Coffee Talk with the Irmo Chamber Greater Irmo Chamber of Commerce, 1235 Columbia Ave., Irmo, 8 a.m. – 8:30 a.m. Come have a cup of coffee and build business relationships with other Irmo Chamber members. Your entry fee is your business card. Friday, July 13 Columbia’s Summer Movie Series: Jumanji Finlay Park, 930 Laurel St., Columbia, 7:45 – 10 p.m. The City of Columbia’s Summer Movie Series continues with “Jumanji: Welcome to the Jungle.” In Jumanji, four teenagers are sucked into a jungle-themed video game. Pre-show activities begin at 7:45; movie will begin at sunset. Attendees can bring blankets, lawn chairs and coolers. No pets, glass containers, or alcohol allowed. For more information, call 803-545-3100. Saturday, July 14 Reggaetronic Lake Murray Music Festival Spence Island, Lake Murray, 11:30 a.m. – 6:15 p.m. Now in its 7th year, Reggaetronic is a celebration of music and community. This unique festival presents the community with an appreciation of togetherness through traditional rock, reggae, and funk music paired with DJ inspired flavors of the islands. For more information, visit reggaetronicsc.com. Thursday, July 19 TeenScene: Porkchop Productions: Beat the Book Chapin Branch Library, 129 Columbia Ave, Chapin, 6 p.m. – 7 p.m.

Teens discover the basics of beat-boxing and work with other teens to create their own musical performance based on narratives from popular young adult fiction titles. For grades six through 12. For more information, call 803-345-5479. Saturday, July 28 Midlands Women’s Fair Columbia Metropolitan Convention Center, 1101 Lincoln St., Columbia, 10 a.m. – 3 p.m. The 2nd Annual Midlands Women’s Fair is the local lady’s opportunity to get pampered, do some shopping, and have fun with her girlfriends. This free event features over seventy vendors focused on empowering, educating, and nurturing women. Activities include a photo booth, chair massages, makeovers, airbrush tattoos, self-defense classes, health screenings, fashion shows and more. For more information, contact info@sunshinefamilyexpos. com. Saturday, August 11 Sunday, August 12 BrickUniverse Columbia LEGO Fan Convention Columbia Metropolitan Convention Center, 1101 Lincoln St., Columbia, times vary This fun, family-friendly event will have tons of amazing LEGO creations to gawk at, building zones to unleash your creative energy, guest speakers and more in the LEGO theater as well as vendors selling the latest LEGO sets, mini-figures, and accessories. For more information, visit brickuniverse.com/Columbia.

Submit your event info five weeks in advance to lexlifeevents@gmail.com. Events will be included as space permits.

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Getting into my car the other day, I was reminded that my daughter had been the last one to drive it. I discovered this as I tried to wedge myself into the driver seat, which had been positioned to accommodate someone 7 full inches shorter than I am. So what transpired next was me spending the entire drive to work making minute adjustments to my seat height, reach and tilt in order to recapture the exact position to which I had grown accustomed. That experience reminded me of just how unsettling it can be when we venture outside our carefully customized preferences. Social media companies “curate” our news for us, which is just a fancy word for giving us what we prefer. Our indoor environment is almost infinitely customizable with smart lighting, temperature controls and our favorite playlists. It might feel like progress that we can create surroundings tailored to keep ourselves in our own bubble, but it isn’t always a good thing. In Genesis 12, God told a man named Abram to leave behind his family, country, his inheritance and even his religion for a new adventure. The Bible’s understated account of Abram’s response is, “and so he went.” As a result, his life became an unparalleled adventure. Most opportunities lie outside our comfort zone, and living lives only by our own current settings leaves little room for growth, change and new experiences. If we aren’t careful, we can get so accustomed to our own ways, we miss out on all kinds of new things we might love but are too cocooned to try. What might you be missing because you have grown too accustomed to your own curated environment? n

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www.HarborChase.com 12 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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Irmo–Chapin LEADER by Kristi Antley

Alpine Springs “Birds and Blooms” expresses just part of the interests of Alpine Springs of Chapin. “That’s the name of my shop,” she points out. “Right now, it’s who I am. In the past, I have been a realtor as well as owner of a dress shop and a toy store. All right here in this wonderful community.” Called “Pine” by her closest friends, this entrepreneur grew up in the Lake City area, learning about hard work in life on a farm. She graduated from Scranton High School and was married at 16 to James Springs Sr., “an old man of 20.” This marriage produced six children, two of them adopted after being orphaned. She’s been into gardening all her life, gifted with the “green thumb” that makes things grow. As a child, she puttered in a greenhouse in the backyard, and that grew into her own business. Birds and Blooms began in White Rock and later moved to St. Peters Church Road in Chapin; it’s celebrating its fiftieth anniversary, and, at age 88, Pine is still helping her neighbors with plants that will bloom and supplies for the birds of the Midlands. The community’s favorite bird, no doubt, is “Bloomer,” the 11-year-old parrot who has been a fixture at Birds and Blooms for many years. “I used to sell exotic birds,” recalls Pine. “Keeping up with their care was pretty demanding, so I phased it out. But I couldn’t give up Bloomer, she belongs here just as much as I do. She talks a lot, and everybody who comes in visits with her.” Bloomer’s recent spirit of adventure led her to a risky outing: She flew away when some open doors provided the opportunity. There was much wringing of hands over her loss, until a kindly neighbor found and rescued her. At this writing, the savior has been in touch with Pine and plans to return Bloomer to her real home. “That’s just typical of people in this community,” says Alpine Springs. “Neighbors help neighbors, if anybody needs help everybody is available. It’s a great place to be.” She is available to share her expertise in the Midlands. Her most recent gig: hosting the Chapin Garden Club in May for a special class. The subject: Birds and Blooms, of course. n

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ond Hand TIME CLOCK by Mary Ann Hutcheson

Before the dawn of modern timekeeping devices, many a young child were lulled to sleep by the repetitive, soothing note of a ticking clock. Often, it was the safe, dependable sound of an old grandfather clock’s heavy pendulum swinging a gentle rhythm back and forth until the reluctant youngster gave up the fight. irmochapinlife.com

Times have changed, and so too have the rituals associated with keeping time. Now those clocks are historical relics, some sitting idle in their homes, others given away or sold at auction. Visiting Harold MacVittie’s Second Hand Time shop in Chapin is a step back into time and an opportunity to see and hear those clocks come alive. Around 35 to 50 clocks decorate the walls of the shop’s front room, one as old as 200 years. Several grandfather clocks stand sentry duty along the wall. All the clocks are restored to operate like new, and most are for sale. Customers are treated to the distinct sounds of individual chimes and tick tocks – and every now and then, on the hour, the playful sound of a tiny wooden cuckoo bird. MacVittie’s shop is family-owned and operated since 2013, and MacVittie is a gifted and devoted clock repairman. Second Hand Time’s presence on eBay has earned a 100% customer satisfaction rate. Discovering a New Trade MacVittie was in his fifteenth year as maintenance group leader for a large distribution center when he discovered he had

a knack for fixing clocks. He tells the story of buying a clock, about 12 years ago, that broke during its first week. With no training, he began to work on it. Before long, he had acquired 50 clocks in the workspace of his home garage, “all going off at the same time,” he says. In time, he decided to take his accrued pension and put it into the little Chapin shop he envisioned as perfect for his clock repair business. MacVittie was told, “Clock repair is a dying breed. Are you crazy?” MacVittie was neither crazy nor planning to let his dream die, not with his skill, dedication, and people skills. The business proved to be an adequate money-maker for him, and it’s something he loves doing “all day long.” MacVittie says as a child, he never showed any interest in the art that he now considers a passion. “I fell in love with something I never thought I’d do,” he smiles, “and it is a real treat.” He adds, “There is a certain satisfaction that comes with repairing something that hasn’t been working for years and years.” In July of this year, MacVittie’s Chapin shop will have operated for five years.

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“Way too happy for a clock guy” In MacVittie’s line of work, a person needs to be dexterous, mechanically inclined, and, most importantly, patient. He says, “You have to be patient enough to sit and watch a mechanical movement for a long time in hopes that it’s going to slip up for you.” Because no one was teaching it anymore, he learned by experience. In the process, he broke and threw away plenty of clocks, while accumulating a useful stock of parts. MacVittie specifies that he is not a horologist (a maker of clocks); he is a barebones clock repairman. He is apparently quite an excellent one, as he no longer needs to advertise. In fact, he has been working six days a week for almost three years. A comprehensive list of his Monday appointments alone boggles the mind. His business takes him as far north as Laurens, as far south as Branchville, as far west as Atlanta, and as far east as Charleston. “No one is doing this anymore, at least not reasonably. You can get a clock repairman in some areas of the state, but a cleaning alone will cost between $400 – $500. I charge between $85 – $200. You’re not going to get it cheaper.”

Nostalgia MacVittie believes he is probably harder on himself than others. He needn’t be. Customers are thrilled with his work, and many have become friends after years of doing business with him. Harold’s wife, Karen, says, “I love that he takes care of everyone’s clock like it’s our own. I love this shop, and it’s perfect for him.” Throughout his interview, the shop’s phone rang and customers came in to drop off or pick up their clocks.

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The Old Clock on the Stairs by HENRY WADSWORTH LONGFELLOW

“I hope you’re writing a great story! He is great,” says the first customer. Another describes what an amazing job Harold had done on his grandfather clock. Harold MacVittie admits that much of his work is nostalgic. People bring in their grandparents’ clock or are looking to replace a specific, treasured clock they lost in a house fire, or one that was given as a Christmas gift. A irmochapinlife.com

couple might tell Harold that he brought them back to when they were first married. They will show him a picture, and MacVittie can usually find the exact same clock for them. Sometimes, people come in to buy a clock, and upon seeing MacVittie’s work, will bring in their old one for him to repair. “I love the shop,” he says again, with a smile.

“By day its voice is low and light; But in the silent dead of night, Distinct as a passing footstep’s fall, It echoes along the vacant hall, Along the ceiling, along the floor, And seems to say, at each chamber-door, — ‘Forever — never! Never — forever!’”

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135 Columbia Ave. • P.O. Box 1000 • Chapin, SC 29036 803.345.3353 • Fax 803.345.9171 18 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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“You have to be patient enough to sit and watch a mechanical movement for a long time in hopes that it’s going to slip up for you.”

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Sometimes his work can be sad. He might get old clocks through charity or people who have no use for them and give them away. In their era, those clocks were serious time pieces. Times have changed. With them goes the understanding of the fractional divisions that define time on an analog clock. Digital representations do the work for us. The charm of our old clocks, adds an element to our lives worth valuing. And Harold MacVittie understands that. When asked how long he continues to repair clocks, MacVittie says, “as long as people keep wanting it done. We’re going to deal only in used clocks and keep doing it until or as long as my wife says we’re making money!” You can learn more about MacVittie’s amazing clocks by browsing his website, where you can hear the actual gongs and chimes of clocks and view his photo gallery, including some of his amazing before/ after repaired clocks. Better yet, visit him at his shop in Chapin, and maybe you will be

lucky enough to hear the soft chimes of his 1825 “French Prayer Clock,” or 150-year-old “Blind Man’s” clock. Harold MacVittie will greet you with a warm smile, wearing his classic leather shop apron, and you will be enchanted by the backdrop of softly chiming clocks that you won’t soon forget. n

Second Hand Time Clock Sales and Repairs Harold MacVittie, second-hand-time.com 803-345-0322 106A Beaufort St., Chapin, SC 29036

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The Price of Independence by David Clark Now is a good time to consider Independence. We learned the price of independence when we were young. Watching older tough guys crying and walking funny as they made the trip back to class taught us that getting sent to the principal’s office was not good. Before I learned first-hand about that trip, I learned what happened to kids who blurted out in class. “Where did the calendar come from?” “Why do we have seasons?” You know the type of kid I was. A disruptive pain in the neck who won’t behave. My teacher sought to straighten me out. “Ok, Mr. Clark, bring me a three-page report in the morning about the calendar. You’ll deliver this report in front of the class.” In hindsight, the numerous reports I did that year taught me to love the encyclopedia, taught me how to write, and taught me how to speak in public. I still blurted out questions occasionally, but the reports did cause me to think — and that was the point. I reached the sixth grade before I took two trips to the principal’s office. I deserved both trips. The dread-filled walk down was my first crash course in introspection. The second was eyeing the paddle on the principal’s desk. The third was sitting on a burning butt while the principal hacked out a letter with two fingers on his typewriter. “Dear Mr. and Mrs. Clark: David was sent to my office today.” He handed me the letter: “Have your parents sign that and bring it back in the morning — without fail.” Then the real irmochapinlife.com

introspection began as I considered my impending death at home. The second trip was the same, but worse. Supposedly, I knew better. That’s all it took. I actually began thinking. Did the principal tear my tail up? Yessir. Did it hurt? You bet. Was I afraid? You better believe it. Did it scar me for life? Absolutely not. This “trauma” gave me a chance at life by helping me learn to think. I had gained a little discipline. I wasn’t a bad kid. I had an intensely curious mind. Growing up alone out in the country taught me zero social skills. And I was a hard-headed young energy-filled boy. Hard-headed boys need to learn there’s pain beyond a certain line, because there’s evidently no other way for hard-headed young boys to learn. Nowadays I would be considered a “problem child.” It should give one pause to consider how easily we medicate “problem” children. We’ve taught two generations now that the answer is a pill rather than introspection. I’ll grant it may be necessary, but it’s striking how all the prior generations survived and thrived in the childhoods we had. If anything in our youth taught introspection, it was getting your tail tore up for crossing a line. Introspection is the difference between discipline and the comDavid Clark writes and pliance induced by an administered drug. works in Cochran, GA. Slavery requires compliance. Discipline Connect with him at cw.w4trj@gmail.com. is the key to Independence. n JULY/AUGUST 2018

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Summer Forecast HIGHER TEMPS. LOWER APR. It’s the Best Time to Purchase a Car or Boat! RATES AS LOW AS

#1 Helicopter Training and Services in the Midlands by Katie Gantt Have you ever seen Lake Murray from above? Would you like to take your own aerial photos or look at real estate? Maybe you’ve always wanted to learn to fly. Locally owned company, Carolina Flights, offers all of the above and more! Owners and father/son duo Clifford Fisher III and Clifford Fisher IV began their company together based on a shared passion for flying. “Dad has been a licensed pilot since the 1970’s. When I went to a poker run two years ago and flew in a helicopter for the first time, I was hooked!” says Fisher IV. He got licensed to fly and purchased his helicopter shortly thereafter. When Dad saw his son’s enthusiasm, he couldn’t help but get on board. In addition to ownership, there are two commercial pilots and one certified flight instructor. The staff has Available Starting 9/1/2017 3000 hours of flight experience and 1000 flight hours of instruction. “We have a wide array of services we can offer. We can do videography or photography from the helicopter, we do weddings, we offer flight instruction, tours of Lake Murray; we can fly you around while you look at real estate or we can offer private tours on private property. As long as there is room to land, we can land and don’t have to use an airport” says Fisher IV. Give them a call and schedule a flight!

Contact us today at 803-606-6036 carolinaflights@gmail.com

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VOTE NOW! for the 2019 Best of Irmo-Chapin Life! Vote online at IRMOCHAPINLIFE.COM from July 1 September 17.

Winners will be announced in the November/December issue.

Congratulations to all of the 2019 Best of Irmo-Chapin Life nominees! irmochapinlife.com

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to all of the following nominees for Best of Irmo Chapin... Vote for your favorites today!

Deadline to submit votes is Monday, September 17. Winners will be announced in our November/December 2018 issue. Accounting/Bookkeeping: Muller CPA • Javis Tax • Simplified Bookkeeping Solutions Aesthetic Physician: Balance Health Concepts • MD Facial Plastic and Reconstructive Surgery • Studio G Allergist: Allergy Partners • Carolina Allergy • CENTA Afterschool Program: Cadence Academy • Chapin Christian Gymnastics • Lake Murray Afterschool Academy Apartment Complex: Ardmore Ballentine • Legends at Lake Murray • York at Lake Murray Assisted Living Facility: Harborchase • Heritage at Lowman • Generations of Irmo Audiologist: Affordable Hearing • Lake Murray Hearing Associates • Palmetto ENT Auto Body Shop: Baker Collision • Broad River Paint and Body • John Harris Irmo Auto Repair: Chapin Automotive • Hilliard Automotive • Lake Murray Tire and Auto Bank: BB&T • First Community Chapin • Security Federal Boat Repair: Black Water Marine • Carolina Inboard • Foxworth Marine Burgers: Higher Groud in Chapin • Lucky’s • Social Grill Cardiologist: Dr. Lawton – Lexington Cardiology • Dr. Travis – Lexington Cardiovascular Surgery • Dr. Feldman – Palmetto Heart Cell Phone/Tablet Repair: Mr. PC • Smart Phone Medic – Irmo • That Computer Store Children’s Clothing: Enchanted Closet • Fancy Pants / Poshture • Without Limits

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24 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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Chiropractor: Healthsource Chapin • Progressive Chiropractic and Orthopedic • Stay Tuned Chiropractic Coin and Collectible: Ballentine Auctions • Gilbert Coin & Collectible Exchange • Golden Eagle Precious Metal Exchange Cosmetic Dentist: The Art of Dentistry • Irmo Smiles • Peak Dental Credit Union: All South • Palmetto Citizens • SC State Federal Credit Union Day Spa: Aquarius Salon and Spa • Balance Health Concepts • Studio G Dentist - Adults: Chapin Dental • Irmo Smiles • Peak Dental Dentist–Kids: Children’s Dental Group • Lake Murray Pediatric Dentistry • Palmetto Smiles Dermatologist: Columbia Dermatology • Columbia Skin Clinic • Palmetto Dermatology West Columbia Dry Cleaner: Breeze Dry Cleaning • Country Clean of Chapin • Tripps Fine Cleaners Extermination: Brett’s Pest Control • Clark’s Termite and Pest Control • Home Pest Control Facial: Aquarius • Blue Lavender • Hand and Stone Family Law: Aun and McKay • Harrell, Martin and Peace • Pozsik and Carpenter Family Physician: Ballentine Family Medicine • Harbison Medical Associates • Lexington Family Practice

Your Hometown Coin & Collectible Shop Since 2010 Supplying all of your coin collecting needs as well as offering a large selection of collectible coins, GOLD and Silver Bullion Investments, obsolete confederate and colonial paper money. mone

We Buy Coins, Gold and Silver Jewelry, Paper Money plus other numismatic items. Estate and Insurance Appraisals available for Coin Collections

Thank you for nominating us as Irmo/Chapin's Best Coin and Collectible dealer and voting us the Best Coin Shop in Lexington for the last 8 years. 5 miles from Lexington High School in The Shoppes of Gilbert

4079 Augusta Highway 803-892-4307 www.gilbertcoins.com

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Medical Aesthetics Spa Services

www.bluelavenderspa.com 803-575-8404 1400 Chapin Rd Chapin, SC 29036 JULY/AUGUST 2018

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Fast Food: Chick-fil-A of Ballentine • Zaxby’s • Zesto’s of Chapin Fine Dining Restaurant: Alodia’s • Catch 22 • J Peters Fitness Center: Anytime Fitness • Crunch Fitness • Fit 413 Funeral Home: Caughman-Harman • Thompson • Whitaker Furniture Store: Carolina Mattress • Chapin Furniture • Ethan Allen Garden Center: Seven Oaks Plant Shop • Wingard’s Market • Woodley’s Garden Center General Contractor: Dutch Fork Renovations • Masters Men Remodeling and Construction • Spring Hill Construction Glass Store: Ace Glass • Century Glass • Diamond Glass Greek Restaurant: Deno’s • Grecian Gardens • Zorba’s Hair Salon: AIZA • Hair Essentials • Southern Grace Hair Hardware Store: Bolands ACE • Harbor Freight • Lake Murray Hardware Heating and Air Company: Cassell Brothers • Cool Care • Richardson’s Heating and Air Home Builders: Essex Homes • Great Southern Homes • Hurricane Builders Home Health Care: Brook Home Health Care • Medical Services of America • Patricia Home Care Hotel: DoubleTree • Hilton Garden • Hyatt Place Harbison

Brook Health Care LLC ...meeting your everyday needs every day

• Personal assistance–in home or facility • Respite Care • Dementia Care/Coaching • CPR & Blood born pathogen certification classes

WWW.BROOKHC.COM 803.941.7231 200 CLARK ST. STE 107 P.O. BOX 484, CHAPIN, SC 29036

Free Queso Dip

with Purchase of $25 or more Limit One Per Table. Dine In Only. Exp 10/5/18

2371 Dutch Fork Road , Chapin • 803-407-5784

Hair sentials

P UTTING FAMILY FIRST 26 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

STYLE & COLOR HAIR SPECIALISTS FOR WOMEN AND MEN Facial Waxing Services Available   Schedule Your Appointment Today  803-781-0464  1001 Kinley Road – Irmo

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Insurance Agent: Aaron Shealy – Dutch Fork Insurance • Brent Branham - Farm Bureau • Scott Hanners – State Farm Insurance (Homeowners): Irmo Insurance • Ernie Yarborough – Nationwide • Heather Bruorton – Farm Bureau Insurance (Life): Aaron Shealy – Dutch Fork Insurance • Gibson and Associates • Scott Hanners – State Farm Investment Firm: Blackbridge Financial • Edward Jones-David Wallace • Sides Financial Strategies Japanese Restaurant: Inakaya • Mikino’s Diner • Miyabis Jewelry Store: David’s Fine Jewelry • Dem’s Fine Jewelry • Moseley’s Diamond Showcase Landscaping Company: Environmental Lawn Care • ProGreen • J&S Lawn and Landscape Landscape Supply Company: Alfonza’s Landscape SuperCenter • Lake Murray Landscape Supply • The Original Landscape Supply Litigation Attorney: Aun & McKay • Harrell, Martin and Peace • Laura Huggins Mani-Pedi: Aquarius Salon and Spa • DK Nails • Southern Grace Hair Marina: Lake Murray Marina • Lighthouse Marina • Southshore Marina

Staycation Special

Thank you for Nominating Us!

10 OFF Facial or Massage

$

EXCLUSIVE OFFER • IRMO CHAPIN LIFE MAGAZINE (Expires 9/7/18. Some restrictions may apply.) Must present or mention this ad when booking appointment

1516 Calhoun Street Columbia, SC 29201. 803-254-6114 columbiafootclinic.net

Columbia/Harbison • 803-219-1140

Find us on Yelp, Google and Facebook!

275 Park Terrace Drive Suite 400 (off Bower Pkwy) www.handandstone.com/spa/store/Columbia-Harbison

We are accepting new patients.

Southern Grace H N S AIR AND

AIL

ALON

Hair ~ Facials ~ Nails Airbrush Tan | Gift Boutique

200 Lexington Ave Suite B ~ Chapin 803-298-5388

Decorative Rock | Mulch | Granite Materials | Sand | Organic Soils 2100 Wessinger Rd, Chapin, SC 29036 Hours: Spring and Summer M-F 8am-5pm Sat 8am-3pm

803-960-7729 | www.theoriginallandscapesupply.com irmochapinlife.com

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Massage: Balance Day Spa • Hand and Stone • Heavenly Hands Mattress Store: Carolina Mattress and Furniture • Mattress Firm Harbison Ct. • Michaelis Meat Store: Caughman’s Meat’n Place • NY Butcher Shoppe • Old Timey Men’s Clothing Store: BP Skinner • Granger Owings • Joseph A Banks Mexican Food: Chapalas • El Poblano • La Fogata Mortgage Company: Guild Mortgage • Midlands Mortgage • Southern First Mortgage Music School: Columbia Arts Academy • Freeway Music Ballentine • Music Makers OBGYN: Chapin Women’s Care • Lexington Women’s Care • Women Physicians Associates Oncologist: Lexington Oncology • SCOA Opthalmology: Carolina Eye Center • Columbia Eye Clinic • Irmo Eye Center Optometrist: Eye on Lake • Eyecare Family Vision • Palmetto Eye Care Orthodontist: Irmo Smiles • O’Leary Orthodontics • Pitner Orthodontics Orthopedist: Lexington Orthopaedics • Midlands Orthopedic • Palmetto Bone and Joint Outdoor Furniture: Carolina Pottery • Jack Oliver Pools and Spas • Tropic Aire Pediatrician: Ballentine Pediatrics • Carolina Pediatrics • Chapin Pediatrics Personal Trainer: Heather Kobus, Athletes Arena • Jason Brunson, Athletes Arena • Naomi Rabon, SOZO

Pampering Pets for 17 Years!

Dog and Cat Boarding • Doggie Day Camp • Luxury Suites • Grooming

Columbia Office: 1500 Richland Street, Columbia 29201 803-765-1680

Lexington Office:

Blvd, Suite 1, 5175 Sunset Blvd Lexington 29072 803-569-1335

Northeast Office:

midlandmortgagecorp.com 28 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

1034- Suite B Wildwood Center Drive, Columbia 29229 803-753-8580

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Pet Groomer: Chapin Pet Lodge : Groomin’ Room Chapin • Wescott Acres Pet Hospital: Banks Animal Hospital • Dutch Fork Animal Hospital • Wellpets Veterinary Clinic Pet Kennel: Carolina Pet Resort • Chapin Pet Lodge • Wescott Acres Pharmacy: Chapin Pharmacy • Irmo Drug • Long’s Drugs Pizza: Bellacino’s • Papa Gio’s • Reggo’s Place to Buy Bath and Kitchen Fixtures: Capital Kitchen and Bath • Ferguson Bath Kitchen and Lighting Gallery • Gateway Supply Co. Place to Buy a Boat: Blackwater Marine • Cove 2 Coast Marine • Marine 360 Place to Buy a Car (new): BMW of Columbia • Jim Hudson Toyota • Love Chevrolet Place to Buy a Car (used): Chris Polson Automotive • Carmax • Jim Hudson Toyota Place to Buy Carpet: Carolina Custom Flooring • Lake Murray Floor Coverings • Nevin Broome’s Superstore Place to Buy Golf Carts: Custom Golf Carts of Columbia • King of Karts Place to Buy a Pool: Aquarian Pools • Contemporary Pool Works • Cromer Pools and Spa Place to Buy an RV: Bob Ledford’s Adventure Motorhomes • Camping World of Columbia • John’s RV Sales and Service Place to Buy Tires: Irmo Tire & Automotive • Lake Murray Tire and Auto • Pope Davis Place to Buy Windows: Southern Siding and Windows • Taylors Window and Screen • Window World of Midlands Plumber: Cottrell and Co. • Huffstetler Plumbing Inc. • Meetze Plumbing

Ben Lippen School offers your child academic achievement rooted in biblical truth. We partner with you to develop young leaders who stand firm in their faith in the midst of an ever changing culture. Our diverse student body represents 11 nationalities, offering students a global learning experience.

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Podiatrist: Columbia Foot Clinic • Columbia Podiatry • Palmetto Podiatry Private School: Ben Lippen School • Hammond School • Northside Christian Academy Real Estate Agent: Brent Downing, Keller Wiliams • Ivy Dalton, RE/MAX • Jason Compton Real Estate Attorney: Aun and McKay • Harrell, Martin, and Peace • Laura Huggins Real Estate Company: Century 21 Vanguard • Keller Williams • SC Homes and Land Realty Roofing Company: Burgin Roofing Services • Joye Roofing Columbia • Premiere Roofing Columbia Salad: Copper River • J Peters • Liberty Tap Room Sandwich: Fusco’s Market • Silver Fox Grill • Urban Cookhouse Sushi: Inakaya Watanabe • Tsunami • Yamato Tanning Salon: Carolina Tan Factory • Exotic Island Tan • Palm Beach Tan Towing Company: Absolute Towing • Eagle One Tow & Transport • Schroeder’s Towing Weight Loss: Bee Healthy • Medi-Weightloss • Weight Watchers Wings: Wild Wing Cafe • Wings n Ale • Liberty on the Lake Women’s Boutique: Fancy Pants • Poshture • Without Limits

Thank you for voting!

Serving Richland, Lexington, Kershaw, Newberry, Sumter & Orangeburg counties What a pharmacy is supposed to be!

Find us on facebook and twitter

10029 Broad River Road, Irmo, SC 29063 803-732-3322 | premiereroofingcolumbia.com

METAL ROOFS, SHINGLE ROOFS AND REPAIRS. Family owned and operated Serving the Midlands for over 10 years.

$250 OFF ROOF REPLACEMENT We appreciate your vote for Joye Roofing as Best Roofer! Call today 803.470.5569 | www.joyeroofing.com 30 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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Present this ad to recieve 10% OFF

Thank You for Nominating Us Best Women's and Children's Boutique! We carry clothing for all ages & sizes. You will find unique gift items for men, women, babies & toddlers. Dresses starting at $24.99. Specialty Gifts Also Available.

GIFT CERTIFICATES are available FREE GIFT WRAPPING EVERYDAY!  

Monogramming Available 1000 Marina Road, Suite B, Irmo, SC 29063 803-888-7229 Boutique & Tanning salon hours: M-Th 8AM-8Pm, Fri-Sat 8AM-7PM, Sunday 1:30-6

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Dine in or enjoy our patio P UTTING FAMILY FIRST Congratulations Joey Shevchik on your high school graduation! We are very proud of you! Love, Mom, Dad, Jenna, and Noah

Daily Lunch Specials Prepared Heat and Eat Meals Available

Hours: Monday: 9AM-7PM, Tuesday: 9AM-7PM, Wednesday: 9AM-9PM, Thursday: 9AM-7PM, Friday: 9AM-7PM, Saturday: 1 0AM-7PM, Sunday: Closed

2914 DREHER SHOALS RD. SUITE C, IRMO, SC 29063 www.dwfuscos.com • www.fuscosmarket.com

Our patients make us smile!

We have been serving the community for over 40 years

803.951.9100

www.palmetto-smiles.com 32 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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the by Jackie Perrone

It’s not just the young people. Lexington’s burgeoning population includes many seniors basking in the warm climate and enjoying their grandchildren. Their needs – drastically different from those of younger generations – command the attention of many services. What services, and how to obtain them? Lexington Life offers a look into the special situation of our senior citizens, with a two-part series on their care. First: What’s involved in remaining at home as health and energy diminish? Next month: Moving into a retirement community. irmochapinlife.com

You’ve stepped down from the work schedule that ran your life for decades. Retirement brings new activities and new challenges, and the passing years are taking their toll. Gradually, you realize that either your family or someone else will have to help you navigate the daily routine, and that it’s time for some decisions. Remaining in your home will require competent help and a carefully managed routine; how is that to be arranged? Where’s the Guidebook for Senior Services? Our state’s senior population is growing rapidly, projected to JULY/AUGUST 2018

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Proud to Serve Irmo and Chapin

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Summer Skin That Glows From Wiiin NANO COLLAGEN INDUCTION THERAPY FOR $125 AND GET FREE NECK AND CHEST TREATMENT WITH SERVICE IN JULY AND AUGUST Massage • Facials • Microderm • Chemical Peels • Full Service Hair Salon • Manicures and Pedicures • Spray Tans • Custom Blended Mineral Makeup CHECK OUT OUR WEBSITE FOR MONTHLY SPECIALS

113 Virginia Street • Chapin, South Carolina 29036

803.345.1920 relax@theaquariusspa.com www.theaquariusspa.com

34 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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double in about 12 years. There aren’t enough services to meet the demand, but help is available. At the head of the list: the Lieutenant Governor’s Office on Aging works with a network of regional and local organizations to provide help to seniors who wish to remain in their homes. This is our state’s principal resource for help with the problems of dwindling independence. It focuses on providing low-cost services, including meals, home care, transportation, and home modifications for the elderly. Yes! Answers are out there. Last year, that Office on Aging established a website called GetCareSC.com, dedicated to matching seniors with available resources. Alternatively, a phone call to that office (1-800-868-9095) will enable a conversation with a person.

“Whether you’re sick or well, need a lot of help or just a little, long-term or temporary, we can step up with help or steer you to other providers to fill the need.” At the local level, the Central Midlands Area Agency on Aging (1-866-394-4166) serves four counties: Richland, Lexington, Fairfield, and Newberry. It calls its program the “Gateway” – or point of entry into the aging network. This referral will put you in touch with the services to meet your needs. Cindy Curtis is a family caregiver advocate at Central Midlands. Decades of experience in navigating the system has armed her with information and resources for home care for the elderly. “Start here!” she says. “Our staff can analyze your needs and direct you to the proper available resources for your situation.” The problems are many and varied. Personal assistance? Housekeeping help? Transportation? Isolation and the need for social contact? Round-the-clock or occasional service? Each person’s situation is individual and, usually, everything devolves to the bottom line: What can I afford? What do Medicare and Medicaid do to help? How much will it cost to get what is needed? What if I can’t pay the bills? Medicare helps with medical bills but has no benefit for custodial care. Medicaid is an income-based service that can step into the gap for low-income recipients. And then, there are some (MANY!) services available cost-free to everyone. Your individual circumstances guide the plan for suitable help. Add Lexington County’s Recreation and Aging Commission to your list of why you’re glad to be here. This thriving service is known for its lively senior center, providing meals, entertainment, and help, but their list of services goes much farther. Mary Beth Callais, assistant director, uses the term “single point of entry” to cover its information resource: “Whether you’re sick or well, need a lot of help or just a little, long-term or temporary, we can step up with help or steer you to other providers to fill the need,” she says. For qualified, homebound clients: light housekeeping can be arranged, daily meals (frozen or fresh) provided, transportation made possible, and even a telephone buddy who will check by phone every day to be sure all is well. irmochapinlife.com

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September 1-3, 2018 | Chapin South Carolina Presented by Lexington Medical Center Schedule of Events Saturday, September 1, 2018 Chapin Downtown Farmer’s Market Justin Pepper 5K: Walk, Run, Ruck!

Sunday, September 2, 2018 Blues of Beaufort Street

Monday, September 3, 2018 Chapin Labor Day Parade Live Music on Beaufort Street Children’s Play Area 10th Annual Classic Car Show

Build Your Own

Poké Bowl! Save 1

$ 00

On Any One (1) Poké Bowl Purchase LIMIT 1 COUPON PER TRANSACTION. Coupon void if altered, copied, sold, purchased or transferred. You may pay sales tax. Offer available at Poke Bros. irmo location only. expires august 31, 2018.

1230 BOWER PARKWAY COLUMBIA, SC 29212 | 803.722.4595 | eatpokebros.com

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36 | IRMO CHAPIN LIFE | JULY/AUGUST 2018

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She likes to emphasize the lifestyle-enhancing benefit of the programs at the Center on Park Street in downtown Lexington. “Meals and entertainment. Classes for exercise and for education. Trips and visits. This social outlet offsets the dangers of depression and loneliness for the homebound.” These are taxpayer-funded benefits, provided at no cost to most. Donations are welcomed to keep and expand the services. The county commission relies heavily on volunteers who assist with the programs and maintain contact with local seniors. This county bureau maintains seven centers: Batesburg-Leesville, Gilbert-Summit, Lexington, Pelion, Pine Ridge-South Congaree, Swansea, and TriCity in West Columbia. You can set things in motion with a phone call to 803-356-5111. Looming over everyone’s life plan is the issue of transportation, a huge lack in this area. Those who no longer drive their own cars are indeed homebound, and these agencies can provide transport to a doctor’s office or to the senior center, where food and entertainment are available. Another element to consider is respite and help for the principal caregiver, who is usually a family member also holding down a job and bearing other responsibilities. Additionally, the Council on Aging maintains an ombudsman with the responsibility to investigate reports of abuse and fraud and mismanagement. Its goal: That no one should be victimized, ever, by abusive caregivers. Bad apples are tracked down and eliminated. Hospice is a service providing a lifeline for caregivers of those approaching sunset. This service is often free of charge, depending on circumstances, and offers vital help in navigating the complexities of end-of-life. Your doctor’s recommendation can set up this assistance.

Of course, government agencies are not the only ones providing services. An abundance of commercial home health care agencies have developed in recent years, providing everything needed, for a fee. They advertise widely and have websites about their programs, and people with adequate financial resources have options at every level, whether seeking part-timers for a few hours or full services round the clock. The bottom line: Don’t feel you have to figure everything out alone. Our community can help. n

Chapin Family Practice Proudly Welcomes

Javier E. Carles, MD Board certified by the American Board of Family Now Accepting Medicine, Dr. Carles has more than 15 years Patients of experience caring for patients of all ages. He joins the highly skilled physicians, nurse practitioners and staff at Chapin Family Practice to provide comprehensive care for the entire family, including health and wellness assessments, management of chronic medical conditions and treatment of acute illnesses and injuries.

1612 Chapin Road • Chapin, SC 29036 • (803) 345-3414 ChapinFamilyPractice.com irmochapinlife.com

A Lexington Medical Center Physician Practice

JULY/AUGUST 2018

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Timberlake Pointe: “The Jewel of Lake Murray” If you are looking for a Lake Murray living experience close to golf, dining, water activities and more, look no futher than Timberlake Pointe.

The Timberlake Pointe neighborhood is located in the charming and affluent town of Chapin, a town unofficially yet popularly known as the “Capital of Lake Murray”. A scenic drive down Columbia Avenue with a slight right onto Amicks Ferry Road will lead you to this peaceful, private and wooded oasis nestled into a pointe, as the name would suggest. Jason Compton, a Realtor at Coldwell Banker, is handling the marketing and sales for Timberlake Pointe. “This waterfront community really just has it all to offer,” he says. It’s not an understatement.

Residents can enjoy easy access to the marina at Timberlake and will find their community adjacent to the exclusive Timberlake Country Club which boasts the only golf course on Lake Murray and also offers dining, swimming, and golf to its members. Timberlake Pointe even offers home sites for sale that back up to the golf course’s 18th hole as well as to Lake Murray. Homes are custom built and zoned for the award-winning Chapin schools. Fabulous shopping and dining await just outside the gates in Chapin. Jason highly recommends the local favorite, Purple Martin Grill & Cellar. “The food is excellent!” he says. If the Timberlake Pointe lifestyle sounds like a fit for you and your family, you’ll be glad to know that home sites are currently available in a broad price range. Options include Interior Lots, Golf Course Lots, Golf Course and Water View Lots, Lakefront Panoramic Water View Lots and Lakefront Cove Lots. Home sites are also available with a private dock, shared dock, or no dock. Lakefront lots start at $150,000 and interior lots start in the $50,000’s. Perhaps Jason sums it up best when he says: “With all that Timberlake Pointe offers, why would you ever want to leave?”

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Lakefront Lots Starting at $150,000 Interior Lots Starting in the $50,000’s

Contact Jason Compton for more information: 803-665-LAKE www.TimberlakePointe.com

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REAL ESTATE The real estate industry is one of the most competitive— but potentially profitable— industries in the country. When we read news about the real estate market, we see terms like “seller’s market” or “buyer’s market” or “rate increase” and it is difficult, as consumers, to keep up with it all. Regardless of what the market looks like, it impacts everyone from potential buyers, sellers and investors to current homeowners. Approximately 64% of U.S. citizens own property –so it is extremely important to stay in the know. irmochapinlife.com

Sellers, Buyers and Basic Mortgage Information by Derek J. Savoy Here in central South Carolina, specifically Richland and Lexington counties, we are experiencing what is referred to as a “seller’s market.” What this really boils down to is that there are more buyers than sellers in the area, giving those who are looking to sell their houses a bit more leverage. Inventory is low so local real estate agents are repeatedly seeing properties go under contract before they can even get with their client to view it. The Annual Report on the South Carolina Housing Market by the South Carolina Realtors Association (SCRA) notes, “There is an ongoing and undeniable national housing shortage. That trend is expected to persist in 2018.” In the Greater Columbia Area total closed sales were up 4.7% between 2016 and 2017 with an average of 97.1% of list price received. This means that sellers are getting very close to their listing price—and that number is expected to rise, both in cost of property and percentage of list price received. Not only are buyers paying list price most of the time, but median prices in the Greater Columbia Area have also increased 11.1% since 2011. As more people are moving to the Greater Columbia Area, now is the time to sell. JULY/AUGUST 2018

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Lamont Watson, Sales Manager Phone: (803) 567-6680 Fax: (803) 675-1269 lwatson@guildmortgage.net

www.guildmortgage.com/officers/lamontwatson

NMLS #: 474326

TO MAKING YOUR HOUSING DREAMS COME TRUE Guild Mortgage Company is one of the leading privately-held mortgage companies in the nation. We pair the resources of large companies with the accessibility and soul of a small company, to serve our customer’s needs.

Company NMLS # 3274. The information provided herein has been prepared by a third party company and has been distributed for educational purposes only. The positions, strategies or opinions of the author do not necessarily represent the positions, strategies or opinions of Guild Mortgage Company or its affiliates. Each loan is subject to underwriter final approval. All information, loan programs, interest rates, terms and conditions are subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.

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Here in central South Carolina, specifically Richland and Lexington counties, we are experiencing what is referred to as a “seller’s market.” What this really boils down to is that there are more buyers than sellers in the area, giving those who are looking to sell their houses a bit more leverage. Inventory is low so local real estate agents are repeatedly seeing properties go under contract before they can even get with their client to view it. The Annual Report on the South Carolina Housing Market by the South Carolina Realtors Association (SCRA) notes, “There is an ongoing and undeniable national housing shortage. That trend is expected to persist in 2018.” In the Greater Columbia Area total closed sales were up 4.7% between 2016 and 2017 with an average of 97.1% of list price received. This means that sellers are getting very close to their listing price—and that number is expected to rise, both in cost of property and percentage of list price received. Not only are buyers paying list price most of the time, but median prices in the Greater Columbia Area have also increased 11.1% since 2011. As more people are moving to the Greater Columbia Area, now is the time to sell. “More sellers should feel ready and willing to list in 2018. Economic indicators such as unemployment rates and consumer confidence are in an improved state, and sellers currently hold the keys to the buyer-seller relationship,” according to the SCRA. If you’re planning on putting your home on the market, here are a few tips to keep in mind: n A first impression is everything. When a prospective buyer walks into your home with their agent that means they have already shown interested in the property. Now is the time to sell them on the idea of this home being theirs. That means taking down personal photos, removing any décor that is gender specific, decluttering the home of excess furniture and knickknacks and making sure everything is neat and clean. n If you have pets be sure to have them somewhere completely out of the way when the house is being shown (and preferably not on the property at all). Some people simply do not like animals and if they are visible, this could turn away a prospective buyer. Take them for a walk or for a ride in the car until your showing is over. n When staging and prepping a property to sell, neutral tones are the way to go. Greys, beiges, whites and light blues appeal to both sexes and can help avoid turning anyone away based on the color scheme. Furniture should be positioned to help a room look and feel more open and, when staging furniture, remember that less is more. n Curb appeal is vital. Having your yard trimmed and edged, the hedges cut to proper height, new mulch or pine straw in the garden beds, some flower pots by the front door – these things set the expectation from the moment a prospective buyer pulls up to the driveway. You might consider pressure washing the siding, re-painting the front door and/or replacing the mailbox as well. The more that you can do on your own prior to listing, the less negotiation that will be involved in the deal later. No matter if you have purchased a home before or not, the mortgage process can be daunting for residential home buyers. Mortgage laws, rates and programs can change multiple times throughout each year and it is important for buyers to know where you stand when shopping for your next home. There are different programs for different buyers, each with their own sets of pros and cons. For example, an FHA loan backed by the Federal Housing Administration allows for buyers to put an irmochapinlife.com

average of only 3.5% of their approved loan amount as a down payment. This is an excellent option for first time buyers or people who have limited funds for deposit. However, these loans come with MIP, or Mortgage Insurance Protection, which is an extra cost fixed into your loan that is a requirement until you have 22% equity in the property. Another common type of loan is called a conventional loan. Conventional loans typically require 20% down and do not always require any form of Private Mortgage Insurance. But of course, that varies depending on which lender you choose to go with. Conventional loans usually come with a lower APR, or Annual Percentage Rate, because the loan is more “secure” with a larger down payment. There are many different loan types, down payment assistance programs, grants and other avenues to explore when purchasing a home. This is most prominent to first-time home buyers, as many state-governed programs are put in place specifically to help people segue from renting to owning property. For example, the Homeownership Program mandated by the South Carolina State Housing Finance and Development Authority (SC Housing) helps low-to-moderate-income buyers obtain financing and aid in the initial deposit. Additionally, one might look into VA backed loans offering 100% financing for Veterans, USDA Rural Housing loans that offer 100% financing in certain “rural” areas of the state or a Bridge Loan for those looking to purchase a home before selling the one they currently own. Local real estate agent Jason Compton contributes the following advice: “Buying a home is most likely the largest purchase in an individual’s lifetime. It is important for the homebuyer to surround themselves with a great team, so include a real estate agent, lender, insurance agent, inspectors, and attorney. This team plays a vital role in making the

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home buying process an enjoyable and memorable experience.” Mortgage Tips: n Know your credit history. Have you ever been delinquent on payments? Have you recently purchased a vehicle, or made any other large investment? Do you have any outstanding debt with a debt collector? Having a good idea of your credit history helps make the mortgage prequalification process easier, as your mortgage lender will be able to be much more accurate with their preliminary estimate of your approval amount / APR without having to hardpull your credit. n No large purchases after prequalification! Once prequalified, you should never go out and purchase a boat or a car or even open a new credit card account without first speaking to your lender. Any new account or payment could adjust your Debt-to-Income (DTI) ratio and change your prequalification amount so it is best practice to hold off on any new purchases until closing on the home loan. n Shop around. Rates vary among banks, brokerages and credit unions. Never settle for the first rate that you

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hear – call other brokers and lenders to see what they have to offer. Credit unions are also an excellent choice for home loans as they often finance them in-house and can be more flexible with their underwriting process. The home buying process may seem simple, but with so many moving parts (even after mortgage prequalification and choosing a house) a knowledgeable and dedicated real estate agent can make the process much smoother. Many people find houses they want to tour long before meeting with a real estate agent by using online tools like Zillow, Trulia and Realtor.com. These are all great resources to get the ball rolling in the beginning but having a local real estate agent who knows the market and is familiar with the area you are searching is vital. After picking a house, making an offer and working with your agent to negotiate an acceptance, or ratification, there is a period of “due diligence” that allows for you to have the home in question inspected. Inspections can (and should) include a general home inspection, a termite/pest inspection, an HVAC inspection for all units on the property and a

survey of the property to confirm where the property lines begin and end. There are many other inspections that can be done, but the ones noted above are the most crucial. Ask your real estate agent who they would recommend to do these inspections – since they do this every day, it is typical of an agent to have a list of preferred vendors and contractors they work with on a regular basis. Tips for Buyers: n Often in a seller’s market such as ours properties can hit the internet and be under contract before you even get the opportunity to see them. Real estate agents get notifications from the Multiple Listing Service every time a new property hits the market. Having a reliable agent can make the difference when you’re trying to put in an offer before it’s off the market (versus just looking at a house on Zillow and waiting to make your move). n ave up for closing costs and movein costs. It has become common in our market for sellers to pay some of, if not all the closing costs for a buyer in any given transaction. This is not always the case, however, so it is smart to save up in

advance just in case. n Get preapproved. A prequalification letter is simply a note from a lender stating an estimate of what they think you could afford based on your expenses and income. A preapproval is a more thorough investigation of your finances, so a lender can give you an exact maximum loan amount and APR for your upcoming purchase. n Know what you need vs. what you want in a home. Some things, such as bedroom count, are non-negotiable. Unless the house is new-construction and custom built, it may be difficult if not impossible to find a house that checks off every single box on your list. It is important to know in advance what you are willing to let go of and what is a must-have. Whether you are looking to buy or sell, it is fortunate that Lexington and the Greater Columbia Area is currently experiencing a real estate boom. To get more information on your options in financing, how to list your property for sale, or to learn more about properties currently for sale, contact one of our area’s premier agents today. n

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LEXINGTON COUNTY BLOWFISH

The Boys of Summer Our very own Boys of Summer, the Lexington County Blowfish, have been knocking it out the park. What better way to spend a warm, summer evening than taking in some local baseball?

! h s fi w o l B o G

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spice of life

Chili Lime Grilled Wings 1 package chili seasoning mix 1/4 cup lime juice 2 tbsp vegetable oil 1 tsp grated lime peel 2 lbs chicken wings Mix seasoning mix, lime juice, oil and lime peel in small bowl until well blended. Reserve 2 tbsp of the marinade for basting. Place chicken wings in large resealable plastic bag or glass bowl. Add remaining marinade; turn to coat well. Refrigerate 30 minutes or longer for extra flavor. Remove chicken wings from marinade. Discard any remaining marinade. Grill wings over medium heat 20 to 25 minutes or until cooked through, turning occasionally and basting with reserved marinade halfway through cooking. Serve wings with ranch dressing, if desired.

the butter, Parmesan, garlic, garlic powder, parsley and a pinch each of salt and pepper. Spread the mixture on top of the bread. Arrange slices of mozzarella on top of the bread and then top with tomato slices. Season the tomatoes with salt and pepper. Bake for 13-15 minutes or until the mozzarella has melted. Meanwhile, in a small saucepan, bring the vinegar to a simmer over medium heat. Stir in the honey. Simmer for 3-4 minutes or until the vinegar has reduced by about half and has the consistency of a thin syrup. Remove from the heat and place in a small bowl. It will thicken as it sits. Remove the bread from the oven and let cool for a few minutes. Sprinkle with the fresh basil and drizzle with the balsamic reduction. Cut the bread into two inch slices and serve hot.

Caprese Garlic Bread 1 loaf French bread or baguette 1/2 cup salted butter room temperature 1/4 cup grated Parmesan cheese 2 garlic cloves minched (1 tsp) 1 tsp garlic powder 1 tsp dried parsley flakes or 1 tbsp chopped fresh parsley salt and pepper 10 oz. fresh mozzarella cheese cut into 1/4 inch thick slices 3-4 medium tomatoes sliced 2/3 cup balsamic vinegar 3 tsp honey 1/4 cup chopped fresh basil Preheat oven to 400 degrees. Line a baking sheet with aluminum foil. Cut the bread in half horizontally and place on baking sheet, cut side up. In a medium bowl, stir together

Refreshing Watermelon and Cucumber Salad 3 cups watermelon, cut into 1” cubes 1 seedless cucumber, cut into quarter slices 2 tbsp fresh mint, finely chopped 3 tbsp fresh basil, finely chopped ½ tsp cracked black pepper ¼ tsp salt 3 tbsp white balsamic vinegar (or white wine vinegar) 1 tbsp extra virgin olive oil 50g toasted walnuts, chopped 35g feta cheese, crumbled Add all the ingredients to a large mixing bowl and toss until well combined. Place in the refrigerator and let sit for 10-15 minutes for the flavors to blend. Divide into 2 serving bowls and garnish with fresh basil leaves and a few walnuts if desired. n

Sizzlin’ Summer Eats

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We’ve Updated! Come By and See the Improvements!

Thank You for an Amazing 35 Years and Counting!

Our Lumber Yard Is Now Open!

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BioGuard Pools and Spas • Stihl Outdoor Power Equipment • Craftsman Tools IRMO CHAPIN LIFE | JULY/AUGUST 2018 • Weber Grills • Holland Grill Company irmochapinlife.com

Irmo-Chapin Life - July 18  

Irmo Chapin Life Magazine was launched in 2011 to serve the residents who live around the Lake Murray. The magazine was created as a direct-...

Irmo-Chapin Life - July 18  

Irmo Chapin Life Magazine was launched in 2011 to serve the residents who live around the Lake Murray. The magazine was created as a direct-...

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