Georgia Football: 2015 Predictions & Prognostications

The days are getting shorter and the heat is showing some signs of fading. Therefore, the time has come to make bold predictions because college football will kickoff this week.  I like to do this every year just for fun, and recently with Georgia’s mediocrity it has been somewhat easy to predict their overall record but hard to pick the actual losses.  This year is unique because fans are clueless at quarterback and that doesn’t help when trying to predict outcomes.  Usually, I feel like Georgia is just about a given to go 9-3 with a bowl game.  I have thought about it for a while, and I almost went back to my rinse and repeat 9-3 prediction. But something is making me feel a little optimistic.  In the end, there are a lot of teams in the SEC that are in the same situation at quarterback and that helps.  I also think there are a lot of overrated teams.  For example, the state of Mississippi should return to planet earth this year and Auburn is probably going to lose 3 games.  On the other hand, LSU may be resurgent along with Tennessee.  Arkansas will be Arkansas which is good but never great.  Florida will be getting their ducks in a row and Spurrier is going to be dangerous for any team contending in the SEC.   But Georgia is my team so here are my thoughts on Georgia’s season.

UGA vs LA Monroe Sept 5th– This should be an automatic win of course but it will be intriguing to watch because of the QB competition and Georgia’s new offensive coordinator.  I think Lambert and Ramsey will rotate a lot in this game and we may even see Bauta a little bit.  It would also be nice to see some receivers emerge.  Georgia Wins (1-0)

UGA vs Vanderbilt Sept 12th– Always a tough place to play for Georgia, but I think it will be different this year.  The Vanderbilt game is usually sandwiched between bigger opponents and this year it is not.  It represents the 1st SEC win and Georgia may still be looking for a true starter.   Vanderbilt’s new coach just doesn’t seem to have the same mojo as James Franklin.  UGA wins by three scores in Nashville (2-0).

UGA vs South Carolina Sept. 19thSouth Carolina has won 4 out of the last 5, but one could also say that Georgia has won 8 of the last 13.  As Jeb says, “figures lie and liars figure.” Don’t get me wrong because this game scares the s#@t out of me.  They have a new defensive coordinator and a new quarterback.  That could be good or bad.  None of that will matter if UGA doesn’t have a definitive starting quarterback by the end of the Vanderbilt game.  Should be a classic but I like UGA at home and at night.  If I were coaching I would bust out the black jerseys every time they kickoff in Sanford after 5pm.  Dawgs win a good one.  (3-0)

UGA vs Southern University Sept. 26thNo reason to elaborate here.  Should be a great game to take little ones to see.  Dawgs Win (4-0)

UGA vs Alabama Oct. 3rdWell this is the game that people just won’t shut up about.  Honestly, I would take a loss to Alabama if I could ensure UGA would go undefeated in the east.  This one will be hyped up and the first real test for Alabama in 2015.  I feel like I need to go with my gut here, and my gut tells me Georgia wins.  Georgia has a few let down games every year but they also have a few games where they show up, and they are going to show for this one.  I think the coaching staff changes will benefit UGA in this game.  Dawgs win and there will be a record number of people arrested in downtown Athens over the weekend. (5-0)

UGA vs Tennessee Oct 10thWell here it is the first loss.  Just when Georgia starts to feel good about themselves they will get beat up in Knoxville.  May not be close either.  Tennessee is better but not the better team.  They will just get Georgia at the right time and at home.  Traditional let down game that UGA fans have seen many times in the tradition of Auburn 1997 and Tennessee 2004.  This one is going to sting.  Only way I see Georgia winning this game is if they were to lose two games prior and have their back against the wall.  (5-1)

UGA vs Missouri Oct. 17th– Scary game at home for Georgia.  This will be the Dawg’s last game before a much needed off weekend.  It appears Mizz fans want to be rivals with Georgia, and from articles I have read their fan base seems to have respect for Georgia’s program and overall way of doing things.  Let’s face it, Mizz fans are likely disgusted by some of the fans they meet in the SEC.  Georgia has some bad fans, but when you compare them to other fans in the SEC Georgia fans might have just a little bit more class.  But you are supposed to hate your rival in the SEC not respect them.  Good game here and Missouri could win but if UGA loses in Knoxville they will likely get it done against Missouri.  (6-1)

Off Weekend Oct. 24th I will personally win on this weekend.  No tailgate to organize, and I may even play a little golf.  But the best part is that Georgia won’t lose a game.

UGA vs Florida Oct. 31st– There are a lot of unknowns when looking at Florida this year.  I think they will have a decent season but probably end up around 8-4.  The best thing going for the Georgia coaching staff is the film they have from last year’s debacle.  Jeremy Pruitt is going to have a fit when he looks back over the off week.  As usual, Georgia keeps it close but in the end Georgia wins by a score.  (7-1)

UGA vs Kentucky Nov. 7thReally looking forward to the weather for this game.  The leaves will be colorful and it will be cool or even cold.  Really love Saturdays in Athens this time of year.  Just don’t see Georgia losing this one unless they get into injury trouble.  Georgia wins (8-1)

UGA vs Auburn Nov. 14th– Yet another match up on the plains.  By this time Georgia will be back in the Top 10 and in control of the east.  Tennessee or Missouri will have 2 losses so all Georgia will need is a win here to make it to the dome.  WELL S%#T!  Georgia loses this one.  Georgia will lose two games and one could easily see Georgia losing to Alabama, Tennessee, or Auburn.  But this is the way I think it will play out.  Let’s just hope that Tennessee has more than 2 loses because they would hold the tie breaker over UGA in this scenario.  (8-2)

UGA vs Georgia Southern Nov. 21st– Why does Georgia play Georgia Southern?  Georgia has nothing to gain but everything to lose.  The only argument for playing Georgia Southern is as preparation for GA Tech.   “Closer than the experts think”, as Corso likes to say.  Last home tailgate of the year which is always a fun one.  Dawgs win (9-2).

UGA vs GA Tech Nov. 28th– Last year’s game was AWFUL!  However, Mark Richt doesn’t lose to Tech very often and last year was more of a Georgia loss than a Tech win.  So let me make a few predictions about this year’s game at Billy Grant.

  • There will be way more red & black in the stadium than Tech’s piss yellow
  • It will be the only sell out at Billy Grant all year.
  • TECH’s A-S-S will be whipped after 4 quarters of football.
  • Georgia Wins (10-2) 

Not sure if 10 and 2 gets Georgia to the dome or not.  But it should give them a chance.  However, if UGA doesn’t at least get back to the SEC championship the locals are going to get restless.  At least I will.  At the end of the day, it is next to impossible to predict how things are going to hash out over the season.  I have to admit this is a pretty optimistic prediction.  Last year I predicted 10-2 as well because I just didn’t see UGA losing to Tech, and without a stupid pooch kick I may have been correct.   Right or wrong, close or not, it is a lot of fun to talk about.  Go Dawgs!


Georgia Football: Who is Going to Play Quarterback?

I have started to get really excited about the football season, and today we are only 12 days away from kickoff in Sanford stadium.  It is always fun to take the number of days from kickoff and match it up with a past or current UGA player.  For most Georgia fans you cannot think of the number “12” at Georgia without thinking of John Lastinger.  In case you didn’t know, John Lastinger, played quarterback right after Buck Belue.  Georgia had some great teams and big wins in the 80s but the 1984 Cotton Bowl really stands out for me.   Texas was ranked #1 and Georgia was a really good team but no one thought they would go into Texas and upset the Longhorns without Herschel Walker.

Well thanks to great defense and a muffed punt Georgia did just that.  With little time on the clock John Lastinger ran the ball in the end zone to give Georgia the lead.  It may be the best end to a career that any Georgia player has ever experienced.  And therefore it will always be 10 to 9 in Texas for UGA fans.  Alright enough about the past, we are 12 days away and there doesn’t seem to be a clear choice as the starting quarterback.  Is this good or bad?

During the Mark Richt era Georgia fans have been pretty spoiled when it comes to quarterbacks.  The era started with David Greene who was followed by DJ Shockley.  Afterwards fans got to see Matt Stafford and Aaron Murray both hold down the position for almost 8 years combined.   So for the first time in a long while Georgia has some uncertainty at quarterback.  Brice Ramsey, Faton Bauta, and Greyson Lambert are all competing right now to win the job.  Ramsey and Bauta have been in the program for a while and deserve a shot of course but the arrival of Lambert sort of tells me the job must be wide open.  Please understand that I do not go to practice and my job is not to report on UGA football.  So anything I am saying here is only speculation and a personal opinion.  I have no sources and no one on the inside giving me information.  But I think Georgia is going to start the year with a two quarterback rotation.  Mark Richt has done this before with David Greene and DJ Shockley in 2002.  I wasn’t a real big fan of it then for many reasons, and I still remember the interception that DJ Shockley threw in GA/FL game that year.  Most fans remember Terrance Edwards dropping the ball but I remember that interception as the game changer.  Despite the quarterback rotation, Georgia had a special year in 2002 but I wonder how special it could have been if UGA was undefeated.  Shockley is one of my favorite players, but I just feel that David Greene was the leader of the team in 2002 and he should have played every snap.  The same can be said for Shockley in 2005.  Maybe I am wrong but I think Ramsey and Lambert are going to share playing time when the season starts.  Competition is always good and the coaches know better than me who needs to be on the field. But a team needs the quarterback to be a leader and the quarterback needs to have confidence.  I just think it is hard to have both things happen if you rotate two quarterbacks.

Have you ever noticed that some fans seem to always think the best quarterback is the back up?  I sure have noticed it and I think those people are idiots.  I have been hearing fans call for the back up since the 80s.  The end of the Dooley era and Ray Goff’s early days were wrought with QB controversy and the results speak for themselves.  Hopefully, I am wrong and there will be a clear #1 quarterback in 12 days that will become a leader.  At the end of the day, Mark Richt knows what he is doing when it comes to coaching quarterbacks.  But Georgia better have the position figured out by the time South Carolina comes to Athens or it could be a long night.  The last thing I want to hear Saturday night against South Carolina are Georgia fans calling for another guy to come in and play quarterback.  I do not know who the quarterback will be but he will have my full support and I will pull hard for him even when the chips are down.  I just wish other fans would do the same.

Home Buying Process Part 2: Finding a Lender

Finding a lender and understanding your financial situation are critical when buying a home.  It is very common for home buyers to start looking at homes before talking with a lender but it can be a HUGE mistake.  Most people will go to a website and figure out a manageable monthly payment and then use that as a guide to begin searching homes.  In reality there are many factors and many options when financing a home.  The only people that are qualified to help you with this are a mortgage broker or a loan officer from an institutional lender.  Realtors can advise on where to go and what options may be best but they do not understand your credit history or your tax returns.  Therefore, it would be impossible for a realtor to speculate what your interest rate will be in the end.  Some people may even tell you to talk with a lender before finding a realtor.   That is not a bad idea but a good realtor will help you find a good lender to get started.  There are many things you will need to understand when searching for a lender and a real estate professional can help you find the best people to speak with about a new loan. In general, a good realtor will explain the process to you before meeting with a lender because the more you understand about the process the better decision you will make.

First, you need to know that bigger is not always better.  Many people have an account with a large bank like Bank of America or a similar size bank, but that doesn’t mean you have to use them for a mortgage.  You need to work with people that are experienced and do a great job for their clients.  Sometimes the best loan officers don’t always stay with the big banks and that can happen for many reasons.  For example, bigger banks have recently been much slower when it comes to under writing and that can add frustrations to an already tedious process.  Second, you only need to meet with one or two lenders.  If they are referred to you by a professional than you should feel good about working with either one of them.  You don’t want to go around and meet with 8 lenders before making a decision.  In most cases a lender will pull your credit score when you meet.  And if you meet 8 lenders than your score will be pulled 8 times and that will lower your overall score.  Furthermore, there will not be a huge difference in rates between two very good lenders.  You may find a better deal on the fees or a better program, and sometimes you may just get along with one more than the other.  Third, DO NOT USE AN INTERNET LENDER!  You need to work with someone in your area and someone that you can keep a relationship with moving forward. Amazon Prime is great and everyone loves the internet but it is not a good place to get a loan plain and simple.  Lastly, get your documents in order before making an offer.  Any lender is going to need a lot of documentation from you to underwrite the loan.  For example, tax returns, paychecks, W2s, leases on existing properties, your net worth and the list goes on.  It is better to get this done early because it will speed up your loan.

In the end, you will enjoy the process much more if you locate a realtor and a lender in the beginning.  The loan process can feel overwhelming due to underwriting and government regulation.  It is tremendously helpful to have two professionals guide you through it and provide you with a realistic expectation of the process.

If you have any questions or real estate needs, please don’t hesitate to contact me or visit my real estate brokerage firm, 5 Market Realty.

Georgia Football Pre-Season Rant #1

This past Saturday I cleaned out my basement to get rid of clutter and make room for some tailgate equipment.  My wife wanted to get the kids out of the house so she took them along with some cousins to get a photo with “Uga” at picture day.  IMG_6334I think our youngest, Giles, didn’t enjoy waiting in line just to meet a dog(pictured on the right). He is only 15 months old so he gets a pass for now but dislike of Georgia’s beloved mascot will not be tolerated in the future.  Basically, this weekend put me in the mood to talk about Georgia football.

Like most fans I am starting to get excited about the upcoming season.  I have been a Georgia fan my whole life but I was too young to remember the glory days of the early 80s.  Throughout the 90s, I suffered as a Bulldawg growing up in Valdosta where Gator and Seminoles fans were prevalent.  The 90s were not a good decade for Georgia football and that made it hard to be a fan in South Georgia where many kids were jumping on a Florida or FSU band wagon.  To this day I have a strong distain for the entire state of Florida and I only travel there if it is absolutely necessary.  Subsequently, 2002 was the best season I have experienced as a Georgia fan and it may be a major reason why I am still a Mark Richt supporter.  As I stated earlier, I am excited about this season but one thing is starting to bother to me about the pre-season hype.   It seems to me that most fans are focusing too much on the Alabama game.  For example, I have heard fans and even tv/radio personalities talking about how important the Alabama game is and in reality it is just not true.  Of course, it is fun to have Alabama come to Athens because these two teams don’t get to play very often which creates excitement and hype.  Nevertheless, the Alabama game is not the biggest or most important game on UGA’s schedule.  It may be the most attended or the most anticipated but it is far from the most important.

Georgia plays in the SEC East and they have to win the East in order to play in Atlanta and ultimately win the SEC championship.  Georgia has failed to make it to Atlanta since 2012 because they haven’t played well in their division.  Over the last two years losses to South Carolina, Vanderbilt, Florida, and Missouri have kept UGA out of Atlanta.  These losses are prime examples of Georgia’s reputation for blowing one or two games a year by just not showing up or playing poorly.  Every year there seems to be an inexplicable loss usually to an SEC East opponent.  For fans this has been beyond frustrating and it absolutely has to stop if UGA is ever going to win a championship.  What is even more frustrating is Georgia’s inability to take advantage of the recent decline at Florida and Tennessee.  As a result, here are Georgia’s most important games this season (in my opinion):  South Carolina, Tennessee, Florida, and Missouri.  If Georgia losses one of these games I can just about guarantee you they will not be in Atlanta come December.  Of course, I want Georgia to beat Alabama.  I would also like them to beat Auburn and Georgia Tech but if UGA loses to one of these opponents they could still likely make it to Atlanta.  In fact, Georgia could even have a rematch against an Auburn or Alabama if they earn a trip to the championship game.  In general, Georgia has to start winning games they are supposed to win and that starts with taking care of business against SEC East opponents.

Ideally, UGA will win every game this year and 2015 will be a special memory for Georgia fans.  I sure hope that happens but it is just not very likely.  So if I could ensure that Georgia would lose only one game this year then I would pick the Alabama game to lose.  At least Georgia could possibly avenge a loss in the dome.  Regardless, I do not want to live through another year with losses to South Carolina, Florida, and GA Tech.  So I urge all UGA fans not to overlook a good South Carolina team when they come into Athens next month.  It just might be the most important game of year for Georgia.

Home Buying Process: Part 1 Finding an Agent

Part 1:  Finding an Agent

The first thing to do when buying a property is to find a well-qualified real estate expert to help you with the process.  It is always fun to look for houses on the IPad or smart phone, and really it is ok to go ahead and do that when you decide to buy.  But do not set foot in a house or property until you have found a good realtor to help you. If you are buying in an area that you currently live than you probably already know a good deal about your town.  But a good realtor will know a lot more and be able to assist you throughout the entire process.  If you are moving out of town than it is imperative that you locate a professional in the area you are buying.  The last thing you want to do is waste time looking at properties in an area that you should not be buying.  Or you could end up buying the wrong house in the wrong location.  An expert in the area can really help you locate the right property for your family and lifestyle.  But locating a house is just the beginning. A good realtor should be able to provide real value during the entire process.  For example, negotiating, inspecting, financing, and creating the contract.  You can find a good person by searching the internet, making a few phones calls or even meeting with a few different agents.  Now that you know you need help it is important to understand what to look for in a good real estate person.

First, please understand that sometimes less is more.  The agent that sells the most may not be the best fit for you.  Top sellers usually employ a team of agents and they focus primarily on volume.  Top producers are good agents but they may not have a lot of knowledge in some markets.  For example, if an agent sells 200 homes a year spread out over 4 counties it would be almost impossible for that agent to have expert knowledge in all of those areas.   Second, you need to find someone that earns a living selling real estate and works full time in the business.  There are some part time agents that work very well in their market. But you probably wouldn’t hire an attorney that practiced law as a side business.  Would you go to a doctor that that mainly worked as a landscaper and practiced medicine part time?  NO! So why on earth would you buy a house or investment property from someone who “dabbles” in real estate?  It is impossible to be good at something by going half way.  Real estate is a profession just like law, medicine, or finance.  So you need to find a professional and not a part timer.

Lastly, find a person that knows the area you are looking to buy.  The best agent in Atlanta, GA is just about the worst agent in town when they come to Athens to sell a property.  Real estate is a local business that involves high level local knowledge and high level service.  You cannot get either from someone that doesn’t live and work in the area you are buying.  If you keep these three things in mind when looking for a realtor you will likely find a good professional to work with you through the entire process.

In closing, you need to understand that you need help.  It doesn’t matter how smart you are or how much HGTV you have watched.  If you want the process to run smoothly you need a good realtor.  If you have any questions or need help in the Athens area just email or call.

If you have any questions or real estate needs, please don’t hesitate to contact me or visit my real estate brokerage firm, 5 Market Realty.

Welcome Back Students and Thank You

In Athens, August marks the return of the student population.  I have lived and worked in Athens for 16 years and one thing has always bothered me regarding our student population.   I don’t think they are too loud.  I don’t think they drink

too much, and I don’t think they are a nuisance.  But I do think people here in Athens do not appreciate our students as much as they should.  Athens, GA is known as one of the nation’s best college towns.  It has made numerous top 10 lists through the years claiming it to be true.  Depending on who you talk to this can be perceived as a negative or a positive.  The reality is that most college towns have a lot to offer residents because of the university.  There are some great college towns that would still be great areas without a major university like an Austin, TX but Athens, GA is not one of those places.  As great as Athens is without UGA it would likely be a small railroad intersection about 20 miles Southeast of I-85.  Fortunately, that is not the case because UGA is located in Athens.

It is not uncommon to hear an adult Athens resident complain about the students. For example, some people complain about the traffic, the amount of bars downtown, and of course the hated fraternities just to name a few.  These common complaints have always bothered me and they seem to bother me more and more as I get older.  Granted people between the ages of 18 and 22 aren’t known for making wise decisions but they sure bring a great energy to our town.   First of all, the university is far and away our biggest employer.  UGA brings many visitors to Athens all year long and every fall it provides Athens with a new batch of students that are going to love Athens for the rest of their life. What other Georgia town has such a strong engine fueling its community? Thanks to the university Athens has a major government employer, a strong economic base, and a culture rarely found in a small town.

I think the students are one of the best things going in our community and welcome them every year.  Thanks to our university Athens remains a wonderful place to live, start a business, or invest in real estate.  We have wonderful neighborhoods, strong outlying communities, and a steady pool of renters that need affordable housing.  This helps make the Athens area a great place to live, retire, or invest.  So in closing, I want to thank all the college kids that live in Athens year in and year out.  I am so glad you are back because without you Athens just wouldn’t be Athens.

If you have any questions or real estate needs, please don’t hesitate to contact me or visit my real estate brokerage firm, 5 Market Realty.

Location, Location, Location!

Most everyone has heard that the three most important things when it comes to real estate are location, location, location. In reality it is true, true, true. We all understand that real estate in Beverly Hills or Manhattan is generally worth more than real estate in Nebraska. But this principle usually applies to even the smallest cities or towns. In the Athens area location and school district directly affect the value and desirability of a residential property. For example, the two strongest residential markets in Athens-Clarke County are the 5 Points Area and the Normaltown/Boulevard Area. Both of these neighborhoods are close to many in town amenities, the university, and are located in strong elementary school zones. In 5 Points we are seeing values above $200 per sq. foot and in Normaltown values are around $170 per sq foot in some areas. There are many factors that can contribute to value but most can be traced back to location

For example, the Watkinsville area has some of the best schools in the state and it is in close proximity to Athens, GA. This creates a strong residential market in Oconee County and makes it desirable. The land can be purchased cheaper and therefore buyers can see a value to living in that area because they can have more house for less money. So if the schools are strong and the location is good why can someone buy more house for less money? Because land is more abundant in that area. The availability of land is directly correlated to the location. There is just not as much land to build or own in Clarke County as there is in Oconee. For example, a condo in the heart of Downtown Athens will be worth more than one located on Epps Bridge because in the downtown location land is scarce. Basically, it comes down to supply and demand. With little supply demand can grow.

Real Estate values are returning in our area and confidence is up with consumers. It is not likely that the market will crash like it did in 2008 but the reality is that trees do not grow to the sky. At some point, the local market will have to slow. It doesn’t mean it will fall but it will not grow to infinity. The best thing to do is to be aware of all the factors in location when buying a property. Make sure the location has a value and will remain valuable in good times and bad. Please understand that popular interior features are always changing when it comes to real estate. There is no way to know what will be the hot new look of a kitchen in 15 years but one can make a reasonable prediction on what locations will still have a high value. In closing, a well located property will sell in a good market or a bad market. So always make location the TOP priority when purchasing a property. Do not get too wrapped up in granite, tile, or other interior features interior. Remember location always wins.

If you have any questions or real estate needs, please don’t hesitate to contact me or visit my real estate brokerage firm, 5 Market Realty.

1st Post

The internet has changed the world in many ways over the last 20 years, but without a doubt the biggest impact has been in the way people communicate and share ideas. In the past, people had to go through numerous processes or scotttalleyaccreditations to share their opinions and write articles. In most cases, a person would need a degree in journalism or a publisher to get their message out to the world. That is no longer the case in our society. Thanks to the internet anyone can voice opinions or share thoughts. Most of this is done through social media but others take it a step further and create a BLOG. Ideally, these bloggers actually know what they are talking about but in some cases bloggers are just another moron spewing bullsh#*t over the internet. So the way I see it there are two categories of bloggers. Those who offer some insight into subjects they understand or love and others who just come across as idiots. Well as of today I am officially one of those people…A Blogger!

My name is Scott Talley and I am the Broker/Principal of 5 Market Realty in Athens, GA. I was born and raised in Valdosta, GA but enrolled UGA in 1999 and never left Athens. Right out of school I began a career selling real estate in the Athens area. I started with Coldwell Banker Upchurch Realty where I primarily sold residential homes but later began working in commercial real estate. From there I went to work with Landmark Properties, Inc here in Athens. At Landmark, I continued to work with residential homes but also worked extensively with investment and commercial properties. In 2015, I left Landmark to open a new company called 5 Market Realty where we provide clients service in residential, commercial, and investment real estate. With years of experience in the Athens real estate market I think I can avoid the moron category if I stick to real estate. When it comes to other matters I guess I will just have to use my best judgement.

This blog will focus primarily on real estate issues, questions, and things directly related to real estate in the Athens area. However, I am certain that I will not be able resist sharing my thoughts on other things like Georgia Football. I will make sure to avoid politics, religion, and all things Sammy Kershaw (apologies for the old song reference). I hope you will enjoy reading it and take away some useful information. Moving forward please excuse any grammatical mistakes. Commas have been a weakness since 9th grade.