s t n e m t r a p A Online Magazine
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Articles: Preventing Sunburn Carolina Girls...Have Careers Spoleto
Contents From The Editor
Carolina Girls...Have Careers
Playing Hamlet On A Flying Trapeze
Charleston’s Office of Cultural Affairs New Website
No One Realizes How Beautiful It Is To Travel
Just Let The Wardrobe Do The Acting
Commerical Real Estate - Renting In Todays Market
If I Were Shipwrecked, And Could Only Have One Book 23 Don’t Sit Under An Umbrella Waiting For It To Rain
Can You Find The Gorget?
The Bed Has Become A Place of Luxury To Me
If People Sat Outside And Looked At The Stars
How To Make Grits
Every Normal man Must Be Tempted At Times
The Palm Tree Strives Ever Upwards
How To Set A Table
If You Can Organize Your Kitchen
10 Reasons To Plant Trees Now
When Twilight Drops Her Curtain Down
Bunker Shot Perfection
Carolina Girl Gear
Time To Refinance or Buy?!
About Mt. Pleasant
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From The Editor Buy Local Promoting local business is as simple as having other company’s business cards or brochures posted on a board in your store. In an effort to promote your area, we are distributing decals that say “Check us out at www.Apartments.sc,” in hopes that local shoppers will visit the site to find local restaurants, clothing, specials, coupons and more. We are doing our part, so please join us, and promote your local merchants, and everyone will benefit!
Top Ten reasons to Think Local Local - Be Local – Help Local Businesses
1. Buy Local -- Support yourself and South Carolina. Many
studies have revealed when you buy from an independent, locally owned business in the your own area, rather than a nationally owned businesses, considerably more of your money is used to make purchases from other local businesses. Local businesses continue to strengthen the economic base of the local community. These include case studies showing that local local owned businesses generate a premium in enhanced economic impact to the community and our tax base.
2.Support Local Area Community Groups:
Non-profit organizations receive an average 250% more support from smaller area business owners than they do from large companies.
3. Keep Your Area Unique: Where we shop, where we eat and
have fun -- all of it makes our community home. Our one-of-a-kind local businesses are an integral part of the distinctive character. Local tourism businesses also benefit. “When people go on vacation they generally seek out destinations that offer them the sense of being someplace, not just anyplace.” ~ Richard Moe, President, National Historic Preservation Trust.
4. Reduce Environmental Impact: Locally owned businesses in your area can make more local purchases requiring less transportation. This generally means contributing less to sprawl, congestion, habitat loss and pollution.
5. Create Additional Jobs: Small local businesses are the largest employer nationally and in the community, provide the most jobs to local residents. 6. Receive Better Service: Local businesses often hire people with a better understanding of the products and services they offer, and take more time to get to know customers. Cont. next page www.MtPleasant.sc Online Magazine | 2009 5
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7.invest in your Community: Local businesses are owned by people who live in this community, and they are less likely to leave, and are more invested in the communityâ€™s future. 8. put
Local businesses require a relatively little infrastructure investment and make more efficient use of public services as compared to nationally owned stores entering your area.
9. Buy what you want, not what BiG advertisinG BudGets want you to Buy: A South Carolina marketplace
comprised of tens of thousands of small businesses is the best way to ensure innovation and low prices over the long-term. A multitude of small businesses, each selecting products and services based not on a national sales plan but on their own interests and the needs of their local customers, promises a much broader range of product choices.
10. promote LoCaL prosperity: An
escalating body of economic research shows that in an increasingly homogenized world, entrepreneurs and skilled workers are more likely to invest and settle in communities that preserve their one-of-a-kind businesses and distinctive character. Larry Local Editor in Chief
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s t n e m t r a p A CEO Dennis Stewart
Editor In Chief Larry Local Creative Director Daniel Holliday Art Director Amy Coats Web Developers Allen Bayless Matthew Coats Accounting Marie Bentley Administration & Marketing Vivi Morillo Angie Woods WWW.Apartments.SC oNLINE mAGAZINE
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Preventing Sunburn Spring is here and Summer is just around the corner and with the warmer weather comes an increased risk of sunburn. Whether you are a beachgoer, golfer, jogger, or shopper, long outings in the sun, even when it is cloudy, can cause damage to your skin. Aside from making you miserably uncomfortable, sunburn can also lead to premature aging and skin cancer, the most common form of cancer in the United States. Sunburn early in life increases one’s risk of developing skin cancers later in life such as melanoma, basal cell carcinoma, and squamous cell carcinoma. Improper tanning bed use is also a source of sunburn. When your skin is exposed to sunlight, it produces a pigment called melanin to help protect itself against ultraviolet light.
Sunburn doesn’t just happen in hot weather - reflection of light off the snow can also cause sunburn. It is visible radiation damage to the skin. UV rays are a type of radiation energy, which are given out by the sun and sun beds/tanning lamps. If you feel your sunburn is severe enough, call your doctor. Your doctor will probably ask you how severe your condition is and if you have any other significant health problems. The doctor can then make the decision to treat you at home or in the office or refer you to an emergency center. Conditions that should motivate you to go to an emergency center include the following: • Severe pain • Severe blistering • Headache • Confusion • Nausea or vomiting • Fainting
Here is list of the methods for treating Sunburn: • Over the counter medications like ibuprofen, may help to relieve pain from sunburn. (Aspirin should be avoided in children who are running a fever.) • If blisters are present, dry bandages may help prevent infection. • To alleviate pain and heat (skin is warm to the touch) caused by the sunburn, take a cool (not cold) bath, or gently apply cool, wet compresses to the skin. • In most cases, prehospital care involves providing simple first aid to treat patient symptoms. • If your case is mild and not life threatening, your doctor may simply suggest plenty of fluids, aspirin, or other nonsteroidal anti-inflammatory medications (NSAIDs). Fortunately, skin cancer is largely preventable when sun protection measures are consistently used. These measures include: • limiting exposure to the sun during the hours of 10 A.M. to 4 P.M., when the sun is the most intense • using a sun block with an SPF (sun protection factor) of at least 15 year-round • Wearing protective clothing and hats/sun visors • Stay out of the sun!
Carolina Girls … Have careers Why shouldn’t we? Double income houses are no longer a luxury; they’re practically a necessity. But there’s no reason you should have a career you hate just to make the mortgage payment.
What sort of career would be the most satisfying for you? If you don’t even know where to start, there are endless free career tests available online, including the Myers-Briggs which is one of the most comprehensive assessments available; a simplified version of which can be found online. The complete version, however, should be administered by a professional.
According to the University of Chicago’s National Opinion Research Center, the top most satisfying careers of 2009 are: - Clergy
- Dental Hygienists - Nuclear Medical Technologists - Radiologic Technologists and Technicians
Finally, the top employers in South Carolina, offering 3,000 – 15,000 jobs yearly, are:
- School Principal
- US Department of Energy
- Artist (fine art)
- Medical University of SC
- Siemens Diesel System Tech
- Chest Pain Center of Greenville
- Corrections Department
- Special Education Teacher
- Greenville Hospital System
- Spartanburg Regional Med Center
- Physical Therapist
Around South Carolina, jobs are as varied as the colors in a peacock’s plumage. After you’ve taken a career assessment test and/or considered all of your top choices, create a list and look into the requirements and availability of each choice. Be sure to check what education levels/degrees are required and whether or not they are available in your area. If you’re absolutely strapped and have no idea where to start, the top industries in South Carolina that will be growing through 2014 are “travel agent” and pretty much anything in the health industry. Specifically, the top hiring jobs in South Carolina in 2009 are: - Diagnostic Medical Sonographers - Psychiatric Technicians - Surgical Technologists - Dental Assistants - Physical Therapist Assistant - Psychiatric aides
- University of South Carolina - Spartanburg Regional Healthcare Do a little more research: Once you’ve narrowed the list down to a few top choices, feel free to conduct some informal interviews over the phone either with a hiring agent or with someone in the industry. Find out the top job requirements, what you would be doing on a day to day basis, and if you found someone in your chosen industry, ask them their top likes and dislikes about their job. Last step, find an opening and set up a series of interviews. It’s better not to put all your eggs in one basket by only interviewing at one or two jobs. If you happen to find the perfect job at the first interview, great! But it often takes a couple tries, so don’t get discouraged.
â€œThe essential is to excite the spectators. If that means playing Hamlet on a flying trapeze or in an aquarium, you do it.â€? Orson Welles
Spoleto May 22 – June 9, 2009 Charleston, South Carolina, is perhaps the most appropriate place in the United States to stage a festival that celebrates the arts. With its long and rich history of culture, its natural beauty, terrific Spring weather, affordable hotel rooms, and the inspiration it has provided to artists over the years, no place could be finer. Charleston claims many cultural firsts. The very first performance of an opera in the American colonies took place in the city during the first half of the 18th century. While the English Ballad opera Flora or Hob in the Well is no longer performed, Porgy and Bess – which has often been called the greatest American opera – was written in Charleston over two hundred years later. By the end
of the 18th century, Charleston formed the first resident ballet company in addition to regular performances by English and French-language theater companies. The Dock Street Theatre, was built in Charleston in 1734, and it is the first theater built specifically for public performances in the American colonies. The original theater burned down two years later and was eventually rebuilt. Over the next two hundred and fifty years, many other theaters said to rival the best in Europe were built in Charleston. Today, Charleston is a city of well-preserved stately homes, lofty churches and countless historical sites. You can also visit the Island where the Civil War officially started. Theaters are within walking distance from one another, and a stroll is often rewarded with the glimpse of a lavish garden or of a previously unnoticed architectural detail.
Award-winning restaurants and boutique shops add to the city’s eclectic character. Just minutes from historic downtown Charleston, glorious beaches await at Isle of Palms, Sullivan’s Island, and Folly Beach, where Gershwin is said to have composed the music for Porgy and Bess. (The area also has some of the finest golf courses in the US.) Recently the Spoleto organizers announced a program to make most of the performances more affordable. In some cases tickets are as low as $10.00. So what are you waiting for? Come to Spoleto and explore the best in opera, dance, theater and music, as well as all the sights and sounds Charleston has to offer. Make your reservations early, the best shows go fast.
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Charleston’s Office Of Cultural Affairs launches www.CharlestonArts.sc, as thier new arts Web Site From: Charleston Currents The City of Charleston’s Office of Cultural Affairs has launched http://www.CharlestonArts.sc, a companion Web site to the OCA’s primary page at the city’s official site. CharlestonArts.sc will be updated daily with information and features, including an arts calendar that users can search by date, artist, presenting group or venue; social networking widgets; and a directory of local arts and cultural organizations and venues. “We are hopeful that CharlestonArts.sc will be a major benefit to local artists and arts organizations by disseminating information about their events with the most up-to-date information to a broader public,” said Ellen Dressler Moryl, director of the Office of Cultural Affairs. Other options for users at CharlestonArts.sc include the following: • Arts organizations can download forms from the Office of Cultural Affairs, submit events, update contact information and compare performance dates with other area organizations. • The Tools for Professional section of the Web site features job listings for arts professionals, including full time and part time work as well as internships and volunteer opportunities with arts and cultural organizations in the tri-county area. • Updated grant opportunities for arts organizations, with detailed information, including deadlines, application and contact information. • Call for Submissions and Call for Auditions pages with details about the location, deadlines, fees and additional requirements. The new Web site also hosts connecting pages for general information on the Office of Cultural Affairs and its projects: the Charleston Farmers Market, the City Gallery at Waterfront Park, Holiday Magic, Happy New Year Charleston!, the Holiday Parade of Boats, the Lowcountry Quarterly Arts Grant Program, Piccolo Spoleto and the MOJA Arts Festival. The Web Site was developed and is being hosted by Carolina Media Services ( www.ONLY.sc) .
â€œNo one realizes how beautiful it is to travel until he comes home and rests his head on his old, familiar pillow.â€?
Just let the wardrobe do the acting Jack Nicholson
Commercial Real Estate – Renting in Today’s Market First make sure that the area you have chosen is right for your intended business. If you plan on expanding, take that into consideration. Do you need to be close to an expressway, or the local airport? Before you decide, think ahead, because you may be getting into a long term commitment. Make sure that any space you’re considering is big enough for both your current needs, and your foreseeable growth. Be realistic and never over-commit. Do your homework beforehand. Investigate traffic patterns; tour the area and building. Find out who the previous tenant was, and why the business left. Learn
what kinds of marketing the location does in support of its tenants (if any) and whether cooperative marketing funds are available to you. Weigh the benefits of guaranteed foot traffic at a mall location against premium rent. Some malls require that all tenants stay open during mall hours, and pay for common area usage as well as the store’s own space and upkeep. Stores may also be asked to pay a percentage of sales to the mall. Identify your closest competitors. Also check out neighboring businesses with an eye for complementary products or services. If you are locating in a mall, check the lease agreement for any guaranteed protection against competition. Evaluate whether the physical location and space is a good fit with your product line. Do you need a large, bright space or is an office warehouse sufficient?
Investigate any restrictions on signage. Signs are vitally important to retail businesses, yet many landlords decide on what a store can and cannot do. The rules may be even stricter in a mall, which closely monitors its physical appearance. Negotiate the terms of your lease aggressively. Think about consulting a realtor that is familiar with the area. Never accept wording that’s confusing or that leaves you wondering who is liable for what. Ask for the right of first refusal on adjacent space in case you need to expand. Negotiate for free improvements, free rent, and other incentives before signing your lease. Hire a real estate attorney who not only specializes in lease negotiations, but knows your area and, preferably, has dealt with your kind of business before. A lease negotiation can cover tens, if not hundreds, of terms, and you want someone in your corner who has seen it all before. Know who is responsible for maintaining the heating, air-conditioning and other systems, as well as keeping up the parking lot and building exterior. This can be critical in older buildings. Who pays for the utilities and trash pick-up? The time has probably never been better to start a new venture if you have a business that is not being adversely affected by this economy. Just make sure you get the right location……
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“A lot of people ask me if I were shipwrecked, and could only have one book, what would it be? I always say ‘How to Build a Boat” Stephen Wright
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Donâ€™t sit under an umbrella waiting for it to rain
the gorget? The South Carolina State flag is immediately recognizable to native Carolinians, and if you’re spending some time out-of-State, it will probably bring a tear to your eye to see it whizzing by on a bumper sticker or rippling in the soft blue sky of a native license plate. Most folks, however, consistently confuse our flag for a simple representation of a moonlit palm tree. The truth it, the sliver of crescent suspended in the upper left hand corner is not a moon phase: it’s a piece of ornamental armour known as a “gorget”. A holdover from the days of knights in shining armour, the gorget was originally used to protect the throat and block blows from non-projectile weapons such as swords. Since the gorget originally rested
around the throat, the shape was that of a crescent. In formal armour, the gorget was placed beneath the breastplate and backplate set and supported the weight of the armour. They were often equipped with straps in order to attach some of the heavier armours. By the Renaissance, the gorgets had already achieved an ornamental status and by the American Revolution, it could be seen hanging from delicate chains and ribbons around the throats of officers, signifying their rank. The first South Carolina flag, designed in 1765, displayed the dark blue of the American troops’ uniforms and a large crescent with the word “Liberty” written within it. While most historians agree that the crescent is the representation of the gorget, which was also worn as a symbol on the caps of American soldiers, there is some argument that the symbol could also stand
for the river bend on which Charleston sits (the crescent was a common symbol used by early American settlements when their Town rested on the curve of a river), or it was a borrowed symbol from the crest of the Bull family, one of Charleston’s early settlers. The palmetto tree on today’s flag was not included until January 28, 1861, the day of South Carolina’s secession from the Union. The palmetto tree represents the defense of Fort Moultrie from British attack, as the Fort itself was made of palmetto logs: an unexpectedly brilliant construction, as the logs of the palmetto tree are incredibly resilient and absorbed the enemy cannon fire like a sponge. Either way we have a pretty cool state flag, and gorget is hard to pronounce!
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Want to grow your business?
Join the South Carolina Chamber of Commerce! As the unified voice of business, the South Carolina Chamber is working to grow wealth for South Carolinians and businesses in order to improve economic development and quality of life.
We help your business and you by: • Getting your voice heard by our state legislators through our Grassroots Network • Working to pass business-friendly legislation • Keeping you informed on issues and providing solutions for growing your business through our monthly magazine, South Carolina Business • Providing networking opportunities with legislators and other business owners • Training your employees on human resources, quality and management issues • Publishing a legal reference series
Join the South Carolina Chamber of Commerce!
Contact us today at 800-799-4601. Learn more at www.scchamber.net.
â€œThe bed has become a place of luxury to me! I would not exchange it for all the thrones in the worldâ€? Napoleon Bonaparte
“If people sat outside and looked at the stars each night, I’ll bet they’d live a lot differently.” Bill Watterson
to make grits
By now, you should know that grits are not only the starch of choice in South Carolina, it’s also the acronym for “Girls Raised in the South”; so if you don’t have your recipe down by now, it’s time to get boiling. Proper grits do not come in an easy to open, plastic-lined paper packet. As My Cousin Vinny put it, “Real grits take at least 20 minutes to cook”. In fact, they take a couple hours, but it’s worth every simmering second. So get rid of the Quaker Instant Grits and mosey on down to the rice isle. Grits can usually be found either here or in the baking isle. If you’re lucky enough to live near a local produce market or farmer’s market, 99% of the time you’ll find more than enough grits in stock. Some local favorites include Anson Mills grits and Charleston’s Favorite Stone Ground Grits. Now that you have the dry goods, make sure you have some fresh chicken stock, milk, cream and butter. Oh yes, you’re making these the way God intended. Measure out your dry grits (1 cup of dry grits makes roughly 2 servings) and clean them by placing them in a bowl and filling the bowl with water until the water is an inch or so above
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the grits. Skim off the chaff and drain. Don’t worry, it doesn’t have to be completely dry, just get it as close as possible. Now, dump the wet grits into a pot and pour in twice as much chicken stock as grits. Bring this to a boil, then reduce to medium-low. Now add equal portions cream and milk up to 2 and ½ times the amount of grits. So, if I was making this recipe for two, I would have used 1 cup dry grits, 2 ½ cups chicken stock, 1 ¾ cups cream and 1 ¾ cups milk. Add salt and pepper to taste, then sit back and let it simmer. The longer the grits simmer, the richer they’ll be. Typical time is 20-30 minutes, but some of the best grits sit for an hour to two hours at low to medium-low heat, just soaking up that cream and milk. Right before you serve the grits up, stir in a healthy pat of butter and, if you’re feeling a little wild, grate a handful of parmesan or cheddar cheese over the top. Play with and perfect this dish to your liking. The recipe is purposefully simple for the sole reason that it’s up to each southern girl to come up with her own special twist on this Southern Classic.
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â€œEvery normal man must be tempted at times to spit on his hands & hoist the black flagâ€? Henry Louis Mencken
â€œIt is the nature of the strong heart, that like the palm tree it strives ever upwards when it is most burdened.â€? Sir Philip Sidney
to set a
table As a lady of the Carolina’s, small shows of simple grace and etiquette should become as second nature to you. Now, this isn’t saying that you have to run out immediately and have visiting cards printed, or go buy a sterling silver tea set, but having knowledge of little things like place settings means a lot to locals and ultimately, shows that you truly care for and respect the civility which is the heart of South Carolina. Even at an informal dinner, it’s a good idea to create a centerpiece. This can be a week-long labor of love or, in most cases, a small setting thrown together about five minutes before the guests arrive. A few snippings from the juniper tree for frilly greenery and aromatic scent, a handful of flowers arranged in a low bowl or small vase, a couple strategically placed pieces of fruit and a candle or two and your centerpiece is complete. A bouquet of flowers from the local florist or, better yet, a nearby farm, would also work, but no matter what, the point is that you have one. Another little pointer: don’t make the centerpiece taller than eye level. Guests would like to be able to see each other when they speak and it could mess up a lovely arrangement if you’re having to part the sunflowers every time you want to ask a question. As for your silverware, if you have sterling silver, use it. Even, and especially, if it’s your great grandmother’s set that’s been passed down for generations.
She never intended for you to keep it wrapped up in crumbling bags of velvet. Silverware and formal china, however pretty and expensive, were meant to be used and this is a great time to show them off. Even if you don’t have formal silverware, though, the point is to have the place settings properly arranged and in the end, no one will really care what the silverware looked like as long as there’s plenty of food and wine. With the dinner plate as the center, silverware should be placed in line, an inch from the edge of the table, and arranged from the outside – in, in order of use. On the right, salad fork (smaller fork), appetizer utensil (or another small fork or none at all if you aren’t having an appetizer between salad, soup and dinner), then dinner fork (your biggest fork) closest to the plate. On the left, soup spoon, spreading knife for the bread and the dinner knife closest to the plate. Be sure to turn the blade of the knives toward the plate, as an outwardly turned knife is
a symbol of aggression toward the other diners (don’t you love these quaint little old world idiosyncrasies?). The dessert fork and spoon for after dinner tea or coffee should go across the top of the dinner plate, with the tines of the fork facing right and the bowl of the spoon facing left. Napkins should be folded either as simply or ornately as you like, and placed in the center of the dinner plate. Glasses are also placed an inch above the knives and in order of use starting from the far right: white wine, red wine, dessert wine and water tumbler. Dinner should be served from the kitchen and ideally, placed on each diner’s plate by the server/host instead of passing bowls and dishes around. If it is Thanksgiving at Grandma’s, none of the above applies.
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“If you can organize your kitchen, you can organize your life.” Louis Parrish
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â€œWhen twilight drops her curtain down and pins it with a star, remember that you have a friend though she may wander far.â€?
Bunker shot perFeCtion: BLast your way to a Better GoLF sCore Bunker shots can be daunting but it’s really all in your head! Use these simple techniques the next time you’re in the bunker and blast your way to a better score. Golf ScoreFirst, don’t change your swing. Use the loft of the club and your back swing to determine your distance. Of course this will take some practice so you know how to shorten your backswing to get the distance you need. You use your back swing to adjust your distance because you always want to accelerate through the ball. You never want to the club head to decelerate. Also open the club face if needed to decrease the distance the ball will travel.
Use the “bounce” on the club to launch the ball out of the sand. Don’t worry too much about the definition of bounce but try this the next time in the practice sand trap. Take your sand wedge and swing at the sand. Vary the angle the club hits the sand. When you bring the club down steeply you’ll take a lot of sand and leave a large “divot” in the sand. Decrease the angle that you strike the sand until you can feel the club almost bounce off the sand. Feeling that is more important than the actual definition of bounce. The key is to have this bounce feel when hitting the ball out of the sand. Open the club face and aim slightly right with an open stance with the ball forward in your stance, slightly off of your left heel for right handed golfers. When you swing follow the line of your feet. Keep the weight on your left foot and don’t try to lift the ball, let the club do the work; trust me the club will lift the ball. Hit about 1 inch behind the ball. The key is to get sand between the club face and the ball. This is where that bounce comes in to play. Also, expect more roll on the ball when faced with a down hill lie in the bunker because the ball won’t get as much spin and tend to roll quite a bit. Use and practice these techniques to get yourself off the beach and onto the green. For more helpful tips, advice, or to add some Golf Tips and Suggestions of your own - you are invited to visit the South Carolina Golfers Blog at www.Golf.sc/Blog/
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Get Your Carolina Girl Gear!
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4. Neighborhoods are convenient, and always accessible, since you are already in your neighborhood when you walk out your door. 5. Successful neighborhood action frequently requires little specialized technical skill, and often little or no money. Action may call for an investment of time, but material costs are often low.
Neighborhoods 1. Neighborhoods are where we all grew up a long time ago. Today, because of golf courses, shopping areas, subdivisions, jobs, schools, and a transient society, a neighborhood means different things to different folks. 2. Neighborhoods can be as small as a dozen or so houses, and be as many as thousands of homes. 3. Neighborhoods are common, and perhaps close to universal, since most people in urbanized areas would probably consider themselves to be living in one.
6. With neighborhood action, compared to activity on larger scales, results are more likely to be visible and quickly forthcoming. The streets are generally cleaner; the crosswalks are painted; the trees are planted; a festival draws a crowd. 7. Visible and swift results are indicators of success; and since success is reinforcing, the probability of subsequent neighborhood action is increased
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8. Because neighborhood action usually involves others, such actions create or strengthen connections and relationships with other neighbors, leading in turn to a variety of potentially positive effects, often hard to predict. 9. Over and above these community advantages, neighborhood activity may simply be enjoyable and fun for those taking part. But in addition to these benefits, considerable research indicates that strong and cohesive neighborhoods and communities are linked –quite possibly causally linked – to decreases in crime, better outcomes for children, and improved physical and mental health. The social support that a strong neighborhood may provide can serve as a buffer against various forms of adversity. Sometimes a neighborhood isn’t a neighborhood until an event occurs, which draws people together, to become “neighbors”.
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rate with the tax advantages of a mortgage, and you have an incredibly cheap way to build wealth, but you better act now.
time to reFinanCe Buy !?
Right now, mortgage rates are at their lowest level since 1971. Think about that. Twenty-five years ago, homeowners were paying as much as 18% on a 30-year fixed. Today it’s just a little over 5%.Combine that
Real estate guru Barbara Corcoran has already seen a tremendous surge in refinance applications – more than triple the average – and the number of people getting approved is astronomically higher as well, she says. But that doesn’t mean the low rates are a panacea for the ills of the housing market. It is only once home prices start to go up that we will finally see a light at the end of tunnel, Corcoran says. Until that happens, we are still going to have to crawl out of this mess. “[Low interest rates are] a not a lifesaver,” Corcoran says. “This is just a helping hand.”
David Kittle, chairman of the Mortgage Bankers Association, has this advice to homeowners looking to refinance: Do it. Don’t get greedy searching for another quarter-point. Lock in rates now. He is seeing applications soar over 125% just since Thanksgiving due to the low rates. Of course, you should only refinance if it saves you at least 3/8 on the rate and if you plan on staying in your home for at least four years, Kittle says. Along with good credit, proof of income and money by means of a down payment or equity in the home, there are certain things every homeowner needs regardless of interest rate levels.
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aBout mt. pLeasant Originally occupied by the Sewee Indians, Mount Pleasant’s first white settlers arrived from England on July 6, 1680 under the leadership of Captain Florentia O’Sullivan. Captain O’Sullivan had been granted 2,340 acres which included not only the island that bears his name, but also the land that was to become Mount Pleasant. On the earliest map of the time this area was called “North Point.” In 1696, 51 new settlers arrived. Each family was allotted several hundred acres in the area that became known as Christ Church parish. In 1706 the Province of Carolina withstood several attacks by the Spanish and the French and were victorious in defeating French invaders in an area known as Hobcow Plantation. Hobcaw Plantation, located between Shem Creek and the Wando River. Later, it was also known as Shipyard Plantation because its deep water and abundance of good timber made it ideal for a shipbuilding.
On September 24, 1860 a public meeting was held in Mount Pleasant that produced the first secession resolution of the state. With the advent of the Civil War, Battery Gary and an adjacent floating battery between Mount Pleasant and Sullivan’s Island were instrumental in defense of the town, as well as attacks on Fort Sumter. The town was also defended by a line of fortifications from Elliot’s Creek at Boone Hall to Copahee Sound. Mount Pleasant was also the secret training ground for the nine-man crew of the Confederate submarine H. L. Hunley. It was from Breach Inlet in 1864 that this small vessel was launched to attack and sink the USS Housatonic. Mount Pleasant is separated from Charleston by the Cooper River. For many years it was primarily populated seasonally by Charleston residents wealthy enough to afford summer homes across the river from the Charleston peninsula. The population of Mount Pleasant was centered in an area of the town now known as “The Old Village.” On July 16, 2005, the eight-lane Arthur Ravenel Bridge opened for traffic, replacing the two aging bridges. A week before the new bridge, one of the longest cable-stayed bridges in the western hemisphere, officially opened, pedestrians were allowed to cross the bridge, and commemorative coins were distributed. Also, a fireworks display was a part of the ceremonies leading up to the actual opening of the bridge. Several cars from the same time period as the Grace Memorial Bridge, including several restored Model A Fords, made a final crossing of the old bridges. The remaining portions of the old bridges were demolished. Local residents watched as the bridges were blown up in spectacular shows.
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A good home must be made, not bought. Joyce Maynard
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