JoAnne Mercer

The long shadows of sunset blanket the fairways and trees surrounding the 15^th, 16^th and 17^th holes of the award-winning Heritage golf course as you make the turn into the Overlook; coming home just became sweeter. Luxurious, elegant residences grace its low-maintenance home sites (some with water views)! A tastefully designed and situated play area, complete with picnic tables and park benches, will delight all ages. Take the adjoining walking bridge to the clubhouse, home to 1250 Heritage restaurant, where exceptional dining awaits. Neighborhood- Heritage Overlook- Price Range for Neighborhood- 590,000's

The Amentities of this Great Golf Course Neighborhood are:

Heritage Wake Forest offers a wide variety of recreational opportunities for all ages. Within the community, an award-winning golf club, a swim & tennis club and numerous parks and playgrounds provide hours of family fun. Nearby, and within the beautiful Wake Forest township, you'll find endless choices of activities and entertainment, including a 12-screen multi-plex movie theatre, a sports complex, and lots of shopping.

Heritage Heights

"On top of the world..." a pretty nice state of mind; at Heritage Heights, it's an even nicer state of everyday living. With the greenways of our golf course to one side and a panoramic vista of the gently rolling expanse of the greater Heritage community to the other, each custom home stands against a pleasing backdrop. The collection of single-family home designs offered here have been described as casually elegant, already anticipating your family's desire for livability (indoors and outdoors) along with an unmistakable sense of style. Price Range in the $400's

Why Heritage? This is why

• Proximity to major roads: I-540 (6 miles), US-1 (1 mile) and NC-401 (2 miles). Stoplights in place at major intersections.
• Adjacent to high growth residential areas in Wake Forest, Raleigh and the unincorporated North Wake County.
• Adjacent to Wake County Public School Campus (3 schools).
• Adjacent to 160 acres public park/greenway complex.
• Utilities in place: Town of Wake Forest water and sewer. Town of Wake Forest or EMC electric facilities, high speed telecommunications lines to each lot. Natural gas to each lot.
• Pre-developed sites: Balanced grading and clearing complete.
• Environmental certainty: Pre-approved, delineated wetlands, Neuse Buffers and Phase I Audits.
• Utility Capacity Guarantee: Through town of Wake Forest contract.
• Collection-road improvements in place.
• Protective covenants in place.

Dear JoAnne,

Thanks so much for directing us to the Heritage Wake Forest Community. Everyday we wake up here we are so thankful to be in such a great community. You listened and heard our hearts! Thanks for your Professional assistance in every detail.

See you soon,

Richard & Kathleen

Stimulus going to 10 Cities...Bet you can't guess who!

Which states does the White House believe will be the biggest winners from the $787 billion package?

The 10 Most Stimulated States

WASHINGTON, D.C.--When President Barack Obama signed the American Recovery and Reinvestment Act on Tuesday, he let loose a $787 billion tidal wave of money aimed at getting the stalled economy moving again. But not everyone, everywhere will share in it equally.
In terms of raw jobs and raw cash, it's no surprise that California--the biggest state, staggering under one of the nation's worst unemployment rates--is the biggest beneficiary. What is surprising: On a per capita basis, it is smaller states--where unemployment is not as large a problem--that will get the most help, according to White House data released before the signing ceremony.




Of the 10 smallest states (including the District of Columbia), six are estimated to receive the largest per capita job creation. So while California, Texas, New York and Florida, the four biggest states, get the most total jobs, it is some of the smallest states--Wyoming, Washington, D.C., Vermont, North and South Dakota, and Delaware that are getting the biggest boost per citizen.
Several of the biggest recipients on a per-person basis also have the lowest unemployment rates in the nation. Depending on one's perspective, that's either aid for those who don't need it, or it's rightfully not withholding funds from states that have done a good job keeping their economies in order.

The four states in the country with the lowest unemployment rates all make the list--Wyoming, North Dakota, South Dakota and Nebraska. All four states had unemployment of 4% or lower in December, while the national average was 7.2%. Since December, the national average has jumped further to 7.6% and is expected to jump again in February.
The White House estimates are based off assumptions from "The Job Impact of the American Recovery and Reinvestment Plan," written by Christina Romer and Jared Bernstein. Romer was a member of the National Bureau of Economic Research business cycle dating committee, the arbiter of recessions in the U.S., until leaving to chair President Obama's Council of Economic Advisers.


The estimates from the White House combined Romer and Bernstein's analysis of how many jobs were likely to be created in different sectors with data on state economies, such as the industrial composition of each state.



The $787 billion stimulus was controversial legislation, obviously, with politicians and economists debating what would be the most effective use of stimulus and whether the administration's job creation claims were realistic. The Congressional Budget Office has questioned whether or not the government is even capable of spending such a large amount of money in two years. Ultimately, nobody knows whether or not the legislation can achieve its goal of creating 3.5 million jobs in two years. Nothing of this scope has ever been attempted before.

What is agreed is that states are hobbled by unemployment and collapsing tax revenues. In December, in California, the Bureau of Labor Statistics estimated that 1.7 million people were unemployed--a rate of 9.3%. But even that is lower than the 9.5% unemployment rate in South Carolina, 10% in Rhode Island and 10.6% in Michigan.

The Democrats (and three Republicans) who supported the legislation now have their futures largely tied to the goals they outlined: 109,000 jobs for Michigan, 396,000 jobs for California, 3.5 million jobs nationwide. At a price tag of $787 billion, they better hope they are right.

Ok we know Dave has a financial plan for us following 7 basic steps.
However there are a few things "left out" if you did not attend FPU.
So here goes the "expanded" baby steps.
Feel free to correct anything I missed or that may be in the wrong order.

0.1: Commit to NEVER borrow $$$ EVER for ANYTHING other than possibly a house.

0.2: Talk with spouse and get him/her on the same page as you concerning finances.

0.3 Do a written budget

0.4 Temporarily stop all retirement contributions

0.5 Get current on all bills (You MUST have Shelter, Food, Utilities, Basic clothing)

0.6 Get Health insurance NOW (chances of getting sick w/ major medical bills are larger than that of death), especially if you have children.

0.7 Get Life insurance NOW if you have considerable debt/your family couldn't make it financially if you died. Especially important if you have children !! Social Insecurity provides only a small amount of coverage if you have dependents.

0.8 Amputate "toys" (bikes, boats, ATV's etc) if they will keep you from completing the snowball within 12 months

0.9 Cut lifestyle (Cut CATV, Cellphone, Regular phone "extra's", Internet, Eating out, etc) and/or take second job if $1000 EF will take more than 30-90 days. (depending on income)

1.0 Save $1000 In baby EF

1.1 Chop up CC's (You have an EF now, no NEED to keep those CC's !!)

1.2 Amputate cars that you can't pay off within 24 months (You have an EF to fix the "bondo buggy" if something should happen)

1.3 Consider raising insurance deductibles to $500 or $1000 and dropping full coverage on paid for "bondo buggy" (You have an EF ya know)

2.0 Do debt snowball

2.1 Start car replacement fund (do not PURCHASE car until step 3 is done or old car dies)

3.0 Save 3-6 months EXPENSES in EF

3.1 Start furniture or other non-essential stuff replacement fund

3.2 Move up in car if you still feel the need to (must pay cash for it)

4.0 Contribute 15% to retirement

4.1: Take your first vacation since finding Dave if you can pay cash for it (no using the EF !!!)

4.2 Save up 20% for home purchase OR pay down existing mortgage to the point you can drop PMI.

5.0 Save for kids college fund

6.0 Pay off house

7.0 Live like no one else since you have lived like no one else