Columbus, GA

It is a rare occasion when it snows in Columbus Ga. but it happened. Much to the delight of all the children in town, Muscogee County schools closed the day of the snow and the day after.

Muscogee Tree Service is located in Midland, Georgia. The business, owned and operated by Matt Sanford, has been serving the Columbus area for over five years. Matt has fifteen years experience in the tree service industry having worked for Treeman Tree Service and Georgia Power Company.

Muscogee Tree Service specializes in all aspects of tree removal and disposal, trimming and planting. Employees are trained in the use of all equipment including a 60 foot bucket truck and wood chipper.

Call Matt for a free estimate at (706) 561-2987 or email to muscogeetree@mchsi.com

Serving Columbus, Midland, Harris County, Talbot County, Marion County

As with many things - just asking the question - is a good first step.

1) Contact a mortgage professional in the town you wish to purchase in.

The reason I have this as the first step is that a mortgage professional can pull your credit and advise you on where you are at and how to get where you want to go. I adivise either sticking to a major bank lender like Wachovia, Wells Fargo, or GMAC in your local area because it will keep you away from the scam artists. There are mortgage brokers not with the major banks who are awesome but there are some real scam artists who will take you for a ride.

2) Keep credit balances on revolving lines like credit cards as low as possible.

Credit scores are higher when you use a low percentage of your available credit. So, if possible keep credit card and other revolving credit lines below 30% of available credit. In other words if your credit card has a credit line of $5000 - keep the revolving balance below $1500. This gives you plenty of room for emergencies and keeps your credit score high.

3) If you want to buy a house - don't go buy all new vehicles.

Debt to income ratios are very important for determining what kind of home you will qualify for. 2 new vehicles with $500+ per month payments on each will take a chunk out of your income leaving less to use for a home. Make your new home a priority and buy a home - then determine if you have enough available to purchase a vehicle. Sometimes it is smart to save up or just have one nice car and one that will just "get you by".

4) Pay on time!

This seems like common sense but it is important that you pay attention to your bills and get them in on time. Nuff said about that. :)

5) Correct any mistakes on your credit report.

When your mortgage professional pulls your credit report - look for mistakes - and enlist their help in correcting any mistakes.

6) Find a Good REALTOR

Now that you have your credit ready to go - call me and we will find you a home that your family will enjoy!

One of my favorite places to eat in Columbus Ga is the Bavarian House located on Whittlesey Road, behind the Main Street shopping ctr. I have to admit that I am partial to german cooking and Monika Washington the owner of the Bavarian House does an admirable job. If meat and potatoes don't drive you wild then maybe some of the fantastic german desserts will. The food is excellent and quite filling.

One fourth of the restaurant is a bar featuring the usual sports tv highlights and of course German and Domestic BEER. All of you familiar with schnitzel will really appreciate what the Bavarian House has to offer. Saturdays you will find a host of German ladies speaking in a variety of German dialects.

Good Food, Great Desserts and Beer, Wine and Spirits on occasion you will find a trio or quartet playing some of your favorite music. Octoberfest is reserved for live Polka music and dancers.

Look around when you come to visit, I'll be sitting on the right side, so stop and say hello.