<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Florence Al Homes For Sale</title>
	<atom:link href="http://florencealhomesforsale.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://florencealhomesforsale.com</link>
	<description>Florence AL Homes for Sale features Luxury Florence AL Homes, Florence AL Real Estate, and Florence AL Information</description>
	<lastBuildDate>Wed, 28 Jul 2010 20:52:10 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0</generator>
		<item>
		<title>Why You Should Have Your Florence AL Home Professionally Appraised</title>
		<link>http://florencealhomesforsale.com/why-you-should-have-your-florence-al-home-professionally-appraised/</link>
		<comments>http://florencealhomesforsale.com/why-you-should-have-your-florence-al-home-professionally-appraised/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 20:52:02 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Selling A Home]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=139</guid>
		<description><![CDATA[In the world of real estate, not all appraisers are considered equal. It takes a certain expertise and knowledge to correctly appraise commercial property, and not just anybody is qualified. There are two types of appraisers, a fee appraiser and a staff appraiser. A fee appraiser is generally available to the public for hire, and [...]]]></description>
			<content:encoded><![CDATA[<p>In the world of real estate, not all appraisers are considered equal. It takes a certain expertise and knowledge to correctly appraise commercial property, and not just anybody is qualified. There are two types of appraisers, a fee appraiser and a staff appraiser. A fee appraiser is generally available to the public for hire, and a staff appraiser works for a specific lender or lending firm.</p>
<div>&nbsp;</div>
<div>The appraiser that you hire for your real estate investments before you buy can have a great impact on the amount of money you spend and your chances of getting funding from a lender. Most lenders will not accept just any appraiser. So, if you get an appraisal with an appraiser that a lender does not accept, you have just wasted your time and money, and you are no closer to getting the property you want.</div>
<div>&nbsp;</div>
<div>Let&rsquo;s look at what makes a qualified appraiser, and who it is you want to hire to evaluate your potential investment.It is common practice for a lender to appoint the appraiser that is to appraise the property in question. This practice is in place because there are dishonest buyers who work with certain appraisers that will inflate the property&rsquo;s true value. This, in turn, allows the buyer to borrow more money than what a lender would normally allow, thus increasing the lender&rsquo;s risk. Inflating a property&rsquo;s true market value is surprisingly easy because appraisals are simply guesstimates of a property&rsquo;s true market value.</div>
<div>&nbsp;</div>
<div>They are interpretations based on the surrounding property and selected criteria. An appraisal can be &ldquo;fixed&rdquo; according to a person&rsquo;s interest. That is why the two parties must not have any prior dealings or common interest in the subject property.A very widely used and accepted type of appraiser is one that is certified by the American Institute of Real Estate Appraisers. They are members, making them designated.</div>
<div>&nbsp;</div>
<div>Most lenders will require that you use only a certified appraiser. These appraisers have gone through intense study, years of practice, and have had to perform under tight supervision while appraising many different properties. Most certified appraisers will not conspire with a borrower because there is too much to lose and too much invested in their practice. For this reason, most lenders will accept their appraisals regardless of whether or not they know the appraiser personally. For the most part, lenders will have trusted appraisers that they work with all the time, and will require that you use only their appraisers.</div>
<div>&nbsp;</div>
<div>Be sure to get clarification on this issue before you hire an appraiser because you do not want to pay for two! An &nbsp;certified appraisal costs more than a non-certified appraisal because of the added expertise and experience of the appraiser. In fact, the cost for a single appraisal can run from $2,000-$5,000, or two to three times the cost of a fee appraiser.</div>
<div>&nbsp;</div>
<div>Be sure to include this in your total cost of purchasing the property so you are prepared to cover the cost.If you have been in the commercial real estate business for a while, you may have a few lenders and appraisers that you work with often. They may even be considered as part of your team.</div>
<div>&nbsp;</div>
<div>This can greatly increase your productivity because you have professionals at your fingertips to get many properties handled quickly, if necessary.You can trust certified appraisers to perform an accurate evaluation of your prospect property. With this appraisal, you will be able to get the proper amount of money loaned on the property and not come out short.It is always a good idea to research your appraiser and view some of the work that he or she has done.</div>
<div>&nbsp;</div>
<div>The appraiser and the appraisals should be of the utmost professional quality because so much is riding on their appraisal. Even if it costs you more money, always use a certified appraiser to avoid problems with the lender and unnecessary expenditures.</div>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/why-you-should-have-your-florence-al-home-professionally-appraised/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why You Should Use A Florence AL Realtor</title>
		<link>http://florencealhomesforsale.com/why-you-should-use-a-florence-al-realtor/</link>
		<comments>http://florencealhomesforsale.com/why-you-should-use-a-florence-al-realtor/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 20:45:29 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Home Buying Tips]]></category>
		<category><![CDATA[florence alabama realtor]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=137</guid>
		<description><![CDATA[&#160; Here are some reasons you should consider using a Florence AL realtor when you look your own dream house among the many Florence AL homes for sale. Consider this: if you needed work done on your teeth, would you go to a dentist or do it yourself? The same theory applies to real estate. [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<p>Here are some reasons you should consider using a <strong>Florence AL realtor</strong> when you look your own dream house among the many <strong>Florence AL homes for sale.</strong></p>
<p>Consider this: if you needed work done on your teeth, would you go to a dentist or do it yourself? The same theory applies to real estate. The art of selling a home is something that takes years to perfect. There are so many aspects of home sales that the average buyers and sellers are unaware of. Also there are many aspects of the process that are only easily available to a Realtor. The actual process of selling a home is very time consuming and right about now, the seller has many more important things to consider, such as the impending move.&nbsp;</p>
<p>Realtors spend years learning the art of selling and how to interpret the real estate market. They can offer you insight and information that only comes from years of experience. Realtors are also experts on their area; they know the communities and what they have to offer, the location of schools, transport routes, and how the current market will affect the sale of your home.&nbsp;</p>
<p>Using a Realtor to sell your home has several advantages over a FSBO. Perhaps the most important of these advantages is exposure. The marketing of your home is of the highest importance. Without a robust marketing plan, your home will not be seen by prospective buyers and as such, will take much longer to sell. </p>
<p>Realtors utilize the latest in internet technology to ensure that your home is seen by as many buyers as possible.&nbsp;Also, realtors have a large budget to purchase newspaper ads, hold open houses, and create flyers and information packs about your property. </p>
<p>Realtors can also utilize a CMA to evaluate the correct value of your home and to price it correctly in your local market. This will enable your home to be competitive and attractive to buyers.&nbsp;</p>
<p>Remember, homes sold by a Realtor sell for an average of 20-30 thousand more than homes sold by the owner. use a professional to sell your home, and free up the time you need to organize yourself for the process of moving your own new home.</p>
<p>Thanks for visiting F<strong>lorence AL Homes for Sale</strong>.</p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/why-you-should-use-a-florence-al-realtor/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Buying and Selling Home in a Balanced Market</title>
		<link>http://florencealhomesforsale.com/buying-and-selling-home-in-a-balanced-market/</link>
		<comments>http://florencealhomesforsale.com/buying-and-selling-home-in-a-balanced-market/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 21:22:33 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Buying A Home]]></category>
		<category><![CDATA[Selling A Home]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[selling a home]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=133</guid>
		<description><![CDATA[Buying and Selling Home in a Balanced Market For the first time in a long time, the market is shifting toward a balanced market, where it favors neither buyers nor sellers. When the market is more balanced, you need to approach the buying and selling of real estate a bit differently. Over the last several [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Buying and Selling Home in a Balanced Market</strong></p>
<p>For the first time in a long time, the market is shifting toward a balanced market, where it favors neither buyers nor sellers. When the market is more balanced, you need to approach the buying and selling of real estate a bit differently.</p>
<p>Over the last several years most buyers and sellers have dealt with either a buyer&#39;s or seller&#39;s market. A buyer&#39;s market is what the market is called when there are more sellers than buyers, so the listings take longer to sell and buyers can really shop around until they find exactly what they have been looking for. A seller&#39;s market occurs when there are few homes for sale and buyers have a lot of competition for homes. For the first time in a long time, the market is shifting toward a balanced market, where it favors neither buyers nor sellers. When the market is more balanced buyers and sellers need to approach the buying and selling of real estate a bit differently.</p>
<p><strong>Great Tips for Those Buying and Selling in a Balanced Market</strong></p>
<p>Most of the time, those that are selling their home can afford to buy a new home before they sell their old home. In a balanced market this is a very risky move because you may be able to find a home that you like before you are able to sell your home. A balanced market often causes homes to sit on the market for a bit longer, so you should be sure that you can afford to have the home sit on the market for a few months before it sells. When the market is balanced you also cannot count on the selling price of your home, so buying a new home before you sell can leave you in a bad place if you don&#39;t have savings to fall back on.</p>
<p>On that note, it&#39;s important not to count on a specific selling price in a balanced market. Because homes sometimes take a bit longer to sell, it&#39;s important to be open about the selling price of your home if you want it to sell. Buyers are often more picky, so you may have to drop the price of your home if you want it to sell quickly. If you count on the selling price of your first home when you buy your second, you can end up in some serious trouble. For this reason, it is often best to put off buying a new home until you sell your current home.</p>
<p>&nbsp;</p>
<p>Another option when you are selling and looking to buy at the same time is make a new buy contingent on the first home selling. This can be a risky move, but if your offer is good many sellers will accept the conditions of your offer. Your Realtor can write up the offer so that you have six months to sell your home before you close on the new home. This will allow you some time to attempt to sell your current home before you officially get in over your head with a new home. Again, it&#39;s risky to put this into your offer, but if you are careful it can work for you.</p>
<p><strong>The Bottom Line</strong></p>
<p>The bottom line is that in a balanced market it is risky to buy before you sell. Depending on your specific market it can take months to a year to sell a home, so it&#39;s best to wait it out. A good tactic that many people use in a balanced market is to sell your current home first. This will give you plenty of time to decide what sort of home you want, so that you aren&#39;t rushing through the home selection process. By the time your home sells you will know exactly what you want and you can go for it. If it happens that your home sells really quickly in the balanced market, that&#39;s okay! An interim rental will cost you very little and will allow you to sell and move out of your first home, but continue to keep looking for that perfect home to buy. You will also know exactly how much money you have to put into your new home if you sell first, so you can buy a new home with confidence.</p>
<p>&nbsp;</p>
<p>Another option is to sell your home, but allow 30 or even 60 days to close on it so you can take that time to either find a decent rental or find something to buy without rushing. Long closes are often best for all parties, so don&#39;t be afraid to ask for a long close to give you and your family time to decide where you are going from here.</p>
<p>&nbsp;</p>
<p>Selling first just makes the most sense. Because you don&#39;t know how long your home will take to sell in a balanced market and you cannot determine how much it will sell for, it is just the safest route to take. If you are a risk taker, than you don&#39;t have to go this route, but most people find that the sell first philosophy works better in the balanced market.</p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/buying-and-selling-home-in-a-balanced-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Florence City Government</title>
		<link>http://florencealhomesforsale.com/florence-city-government/</link>
		<comments>http://florencealhomesforsale.com/florence-city-government/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 23:23:50 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Florence Alabama]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=84</guid>
		<description><![CDATA[Florence AL Homes for Sale is happy that the Mayor and City Council of Florence, Alabama are working together to build an even great environment for the residents of Florence. This is a place people want to settle down and stay for the rest of their lives. It is an upsized Mayberry when it comes [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://florencealhomesforsale.com/wp-content/uploads/2010/06/bigstockphoto_Fishing_8944.jpg"><img alt="Florence AL Homes" class="alignleft size-medium wp-image-113" height="225" src="http://florencealhomesforsale.com/wp-content/uploads/2010/06/bigstockphoto_Fishing_8944-300x225.jpg" title="bigstockphoto_Fishing_8944" width="300" /></a><strong>Florence AL Homes for Sale</strong> is happy that the Mayor and City Council of Florence, Alabama are working together to build an even great environment for the residents of Florence. This is a place people want to settle down and stay for the rest of their lives. It is an upsized Mayberry when it comes to a sense of community.</p>
<p>We recommend you visit the&nbsp;<a href="http://www,florenceal.org">City of&nbsp;</a><a href="http://www,florenceal.org">Florence Alabama</a>&nbsp;official website to see all the governmental happenings. One of the purposes of our Florence AL Homes for Sale website is to provide you with more information about our great city. Another site that is very helpful is te Visit <a href="http://www.visitflorenceal.com">Florence Alabama website</a>. Check it out as well.</p>
<p>Please bookmark this site and come back often to<strong> Florence AL homes</strong> for sale for more info.</p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/florence-city-government/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>City of Florence AL</title>
		<link>http://florencealhomesforsale.com/city-of-florence-al/</link>
		<comments>http://florencealhomesforsale.com/city-of-florence-al/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 23:03:55 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Florence Alabama]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=75</guid>
		<description><![CDATA[Florence AL Homes for Sale is so proud to be a part of this great city with so much to offer. Florence is an awesome place. A city to settle down it. A city filled with charm and wonder. A city surrounded by scenic beauty. A city alive with the sound of music. A city [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size:16px;"><strong>Florence AL Homes for Sale is so proud to be a part of this great city with so much to offer.</strong></span></p>
<p><strong>Florence is an awesome place. </p>
<p>	A city to settle down it. </p>
<p>	A city filled with charm and wonder. </p>
<p>	A city surrounded by scenic beauty. </p>
<p>	A city alive with the sound of music.</p>
<p>	A city where strangers cannot remain strangers for long. </p>
<p>	A city where people move to find a homes for sale to settle down in. </p>
<p>	Maybe that&#39;s why you are on this site. </p>
<p>	You will love it in Florence, AL.<br />
	</strong></p>
<p><span style="font-size:12px;"><span style="font-family:arial,helvetica,sans-serif;"><span class="Apple-style-span"><b>Travelers to Florence can find great things to do, even if for just a day or two. Check out what others outside Florence have to say at <a href="http://www.safetravelforum.com">Safe Travel Forum</a>.</b></span></span></span></p>
<p style="display: inline !important; "><span style="font-size:12px;"><span style="font-family:arial,helvetica,sans-serif;"><font class="Apple-style-span"><span class="Apple-style-span" style="font-weight: normal; "><b><br />
	</b></span></font></span></span></p>
<p style="display: inline !important; "><span style="font-size:12px;"><span style="font-family:arial,helvetica,sans-serif;"><font class="Apple-style-span"><span class="Apple-style-span" style="font-weight: normal; "><b>For the really gritty, specific, and little bitty details r</b></span></font></span></span></p>
<p><span style="font-size:12px;"><span style="font-family:arial,helvetica,sans-serif;"><font class="Apple-style-span"><span class="Apple-style-span" style="font-weight: normal; "><strong>ead the following Wikipedia article and get tons of good info that will help you in what its like to live here once you find your new home here in <a href="http://florencealhomesforsale.com">Florence AL homes for sale</a>.&nbsp;</strong></span></font></span></span></p>
<p><span style="font-size:14px;"><span style="font-family:georgia,serif;"><br />
	</span></span></p>
<div style="background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: white; color: black; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; font-family: 'Times New Roman'; font-size: medium; ">
<div id="content" style="background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: white; border-top-style: none !important; border-right-style: none !important; border-bottom-style: none !important; border-left-style: none !important; border-width: initial !important; border-color: initial !important; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; margin-top: 0px !important; margin-right: 0px !important; margin-bottom: 0px !important; margin-left: 0px !important; color: black; background-position: initial initial; background-repeat: initial initial; ">
<h1 class="firstHeading" id="firstHeading" style="font-weight: bold; ">Florence, Alabama</h1>
<div id="bodyContent">
<h3 id="siteSub" style="font-weight: normal; display: inline; font-size: 15px; ">From Wikipedia, the free encyclopedia</h3>
<div id="contentSub">&nbsp;</div>
<table class="infobox geography vcard" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-top-color: rgb(170, 170, 170); border-right-color: rgb(170, 170, 170); border-bottom-color: rgb(170, 170, 170); border-left-color: rgb(170, 170, 170); background-color: rgb(249, 249, 249); color: black; margin-top: 0.5em; margin-right: 0px; margin-bottom: 0.5em; margin-left: 1em; padding-top: 0.2em; padding-right: 0.2em; padding-bottom: 0.2em; padding-left: 0.2em; float: right; clear: right; text-align: left; border-collapse: collapse; line-height: 1.2em; font-size: 14px; width: 23em; ">
<tbody>
<tr>
<th colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.4em; padding-left: 0.6em; width: 309px; text-align: center; font-size: 1.25em; white-space: nowrap; "><span class="fn org">Florence</span></th>
</tr>
<tr class="mergedtoprow">
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; text-align: center; background-color: rgb(205, 222, 255); ">&mdash;&nbsp;&nbsp;<b><span class="category"><a href="http://en.wikipedia.org/wiki/City" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="City">City</a></span></b>&nbsp;&nbsp;&mdash;</td>
</tr>
<tr>
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.7em; padding-right: 0.8em; padding-bottom: 0.7em; padding-left: 0.8em; text-align: center; ">
<div class="floatnone"><a class="image" href="http://en.wikipedia.org/wiki/File:Florence_043.jpg" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="O'Neal Bridge and the Tennessee River with the Florence skyline in the background."><img alt="" height="188" src="http://upload.wikimedia.org/wikipedia/commons/thumb/1/1b/Florence_043.jpg/250px-Florence_043.jpg" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; " width="250" /></a></div>
<p>							<small>O&#39;Neal Bridge and the Tennessee River with the Florence skyline in the background.</small></td>
</tr>
<tr class="mergedrow">
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; text-align: center; "><a href="http://en.wikipedia.org/wiki/Nickname" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Nickname">Nickname</a>(s):&nbsp;<span class="nickname">&quot;Alabama&#39;s Renaissance City&quot;</span></td>
</tr>
<tr class="mergedrow">
<td align="center" colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; text-align: center; ">
							<center></p>
<div style="width: 252px; float: none; clear: none; ">
<div style="position: relative; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; width: 250px; "><a class="image" href="http://en.wikipedia.org/wiki/File:USA_Alabama_location_map.svg" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Florence is located in Alabama"><img alt="Florence is located in Alabama" height="398" src="http://upload.wikimedia.org/wikipedia/commons/thumb/9/93/USA_Alabama_location_map.svg/250px-USA_Alabama_location_map.svg.png" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; " width="250" /></a></p>
<div style="position: absolute; z-index: 2; top: 7.19531%; left: 25.8984%; height: 0px; width: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; ">
<div style="position: relative; text-align: center; left: -3px; top: -3px; width: 6px; font-size: 6px; "><img alt="" height="6" src="http://upload.wikimedia.org/wikipedia/commons/thumb/0/0c/Red_pog.svg/6px-Red_pog.svg.png" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; " width="6" /></div>
<div style="font-size: 13px; line-height: 14px; position: relative; top: -1.5em; width: 6em; left: 0.5em; text-align: left; "><span style="padding-top: 1px; padding-right: 1px; padding-bottom: 1px; padding-left: 1px; ">Florence</span></div>
</p></div>
</p></div>
<div style="font-size: 13px; ">&nbsp;</div>
</p></div>
<p>								<small>Location in Alabama.</small></center>
						</td>
</tr>
<tr class="mergedbottomrow">
<td colspan="2" style="vertical-align: top; border-top-style: initial; border-top-width: 0px; border-top-color: initial; padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.7em; padding-left: 0.6em; border-bottom-style: solid; border-bottom-width: 1px; border-bottom-color: rgb(170, 170, 170); text-align: center; ">Coordinates:&nbsp;<span style="white-space: nowrap; "><span class="plainlinks nourlexpansion"><a class="external text" href="http://toolserver.org/~geohack/geohack.php?pagename=Florence,_Alabama&amp;params=34_49_13_N_87_39_46_W_type:city(36721)_region:US-AL" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; "><span class="geo-default" style="display: inline; "><span class="geo-dms" style="display: inline; " title="Maps, aerial photos, and other data for this location"><span class="latitude" style="white-space: nowrap; ">34&deg;49&prime;13&Prime;N</span>&nbsp;<span class="longitude" style="white-space: nowrap; ">87&deg;39&prime;46&Prime;W</span></span></span></a></span><span style="font-size: small; "><span id="coordinates" style="position: absolute; top: 0em; right: 0em; float: right; margin-top: 0em; margin-right: 0em; margin-bottom: 0em; margin-left: 0em; padding-top: 0em; padding-right: 0em; padding-bottom: 0em; padding-left: 0em; line-height: 1.5em; text-align: right; text-indent: 0px; font-size: 11px; text-transform: none; white-space: nowrap; "><a href="http://en.wikipedia.org/wiki/Geographic_coordinate_system" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Geographic coordinate system">Coordinates</a>:&nbsp;<span class="plainlinks nourlexpansion"><a class="external text" href="http://toolserver.org/~geohack/geohack.php?pagename=Florence,_Alabama&amp;params=34_49_13_N_87_39_46_W_type:city(36721)_region:US-AL" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; "><span class="geo-default" style="display: inline; "><span class="geo-dms" style="display: inline; " title="Maps, aerial photos, and other data for this location"><span class="latitude" style="white-space: nowrap; ">34&deg;49&prime;13&Prime;N</span>&nbsp;<span class="longitude" style="white-space: nowrap; ">87&deg;39&prime;46&Prime;W</span></span></span></a></span></span></span></span></td>
</tr>
<tr class="mergedtoprow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a class="mw-redirect" href="http://en.wikipedia.org/wiki/List_of_countries" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="List of countries">Country</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a href="http://en.wikipedia.org/wiki/United_States" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States">United States</a></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Political_divisions_of_the_United_States" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Political divisions of the United States">State</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Alabama">Alabama</a></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/List_of_counties_in_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="List of counties in Alabama">County</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Lauderdale_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Lauderdale County, Alabama">Lauderdale</a></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">Incorporated</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">January 7, 1826<sup class="reference" id="cite_ref-0" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-0" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>1<span>]</span></a></sup></td>
</tr>
<tr class="mergedtoprow">
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><b>Government</b></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;Type</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">Mayor/Council (Since 1984)</td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;Mayor</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Bobby_Irons" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Bobby Irons">Bobby Irons</a></td>
</tr>
<tr class="mergedtoprow">
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><b><a href="http://en.wikipedia.org/wiki/Area" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Area">Area</a></b></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;<a href="http://en.wikipedia.org/wiki/City" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="City">City</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">25&nbsp;sq&nbsp;mi&nbsp;(64.8&nbsp;km<sup style="line-height: 1em; ">2</sup>)</td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;Land</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">24.9&nbsp;sq&nbsp;mi&nbsp;(64.6&nbsp;km<sup style="line-height: 1em; ">2</sup>)</td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;Water</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">0.1&nbsp;sq&nbsp;mi&nbsp;(0.2&nbsp;km<sup style="line-height: 1em; ">2</sup>)</td>
</tr>
<tr class="mergedtoprow">
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><b><a href="http://en.wikipedia.org/wiki/Elevation" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Elevation">Elevation</a></b></td>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; ">548&nbsp;ft (167&nbsp;m)</td>
</tr>
<tr class="mergedtoprow">
<td colspan="2" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><b>Population</b>&nbsp;(2006)<sup class="reference" id="cite_ref-popest_1-0" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-popest-1" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>2<span>]</span></a></sup></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;-&nbsp;<a href="http://en.wikipedia.org/wiki/City" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="City">City</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">36,721</td>
</tr>
<tr class="mergedrow">
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;<b>-&nbsp;<a href="http://en.wikipedia.org/wiki/Population_density" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Population density">Density</a></b></td>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">1,450.6/sq&nbsp;mi&nbsp;(566.68/km<sup style="line-height: 1em; ">2</sup>)</td>
</tr>
<tr class="mergedrow">
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">&nbsp;<b>-&nbsp;<a href="http://en.wikipedia.org/wiki/Metropolitan_area" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Metropolitan area">Metro</a></b></td>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">140,049</td>
</tr>
<tr class="mergedtoprow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a href="http://en.wikipedia.org/wiki/Time_zone" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Time zone">Time zone</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a class="mw-redirect" href="http://en.wikipedia.org/wiki/North_American_Central_Time_Zone" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="North American Central Time Zone">Central (CST)</a>&nbsp;(<a class="mw-redirect" href="http://en.wikipedia.org/wiki/UTC-6" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="UTC-6">UTC-6</a>)</td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; white-space: nowrap; ">&nbsp;-&nbsp;Summer&nbsp;(<a href="http://en.wikipedia.org/wiki/Daylight_saving_time" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Daylight saving time">DST</a>)</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">CDT (<a class="mw-redirect" href="http://en.wikipedia.org/wiki/UTC-5" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="UTC-5">UTC-5</a>)</td>
</tr>
<tr class="mergedtoprow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a href="http://en.wikipedia.org/wiki/ZIP_code" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="ZIP code">ZIP codes</a></th>
<td class="adr" style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><span class="postal-code">35630-35634</span></td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Telephone_numbering_plan" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Telephone numbering plan">Area code(s)</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Area_code_256" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Area code 256">256</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/Area_code_938" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Area code 938">938</a></td>
</tr>
<tr class="mergedtoprow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a href="http://en.wikipedia.org/wiki/Federal_Information_Processing_Standard" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Federal Information Processing Standard">FIPS code</a></th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; ">01-26896</td>
</tr>
<tr class="mergedrow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; "><a href="http://en.wikipedia.org/wiki/Geographic_Names_Information_System" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Geographic Names Information System">GNIS</a>&nbsp;feature ID</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 0px; border-top-color: rgb(170, 170, 170); padding-top: 0px; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; ">0118442</td>
</tr>
<tr class="mergedtoprow">
<th style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; ">Website</th>
<td style="vertical-align: top; border-top-style: solid; border-top-width: 1px; border-top-color: rgb(170, 170, 170); padding-top: 0.4em; padding-right: 0.6em; padding-bottom: 0.2em; padding-left: 0.6em; "><a class="external free" href="http://www.ci.florence.al.us/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">http://www.ci.florence.al.us/</a></td>
</tr>
</tbody>
</table>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; "><b>Florence</b>&nbsp;is a city in and the&nbsp;<a href="http://en.wikipedia.org/wiki/County_seat" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="County seat">county seat</a>&nbsp;of&nbsp;<a href="http://en.wikipedia.org/wiki/Lauderdale_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Lauderdale County, Alabama">Lauderdale County</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Alabama">Alabama</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/United_States" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States">United States</a>, in the northwestern corner of the state.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">According to the 2005 Census Bureau estimates, the city&#39;s population was 36,721.<sup class="reference" id="cite_ref-popest_1-1" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-popest-1" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>2<span>]</span></a></sup></p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence is the largest and principal city of the&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Metropolitan_Statistical_Area" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Metropolitan Statistical Area">Metropolitan Statistical Area</a>&nbsp;known as &quot;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/The_Shoals" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="The Shoals">The Shoals</a>&quot; (which includes&nbsp;<a href="http://en.wikipedia.org/wiki/Muscle_Shoals,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Muscle Shoals, Alabama">Muscle Shoals</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/Sheffield,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Sheffield, Alabama">Sheffield</a>, and<a href="http://en.wikipedia.org/wiki/Tuscumbia,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tuscumbia, Alabama">Tuscumbia</a>&nbsp;metropolitan areas in&nbsp;<a href="http://en.wikipedia.org/wiki/Colbert_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Colbert County, Alabama">Colbert</a>&nbsp;and Lauderdale counties). Florence is considered the primary economic hub of northwestern Alabama.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence was surveyed for the Cypress Land Company in 1818 by Italian&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Surveyor_(surveying)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Surveyor (surveying)">surveyor</a>&nbsp;Ferdinand Sannoner, who named it after&nbsp;<a href="http://en.wikipedia.org/wiki/Florence" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Florence">Florence</a>, the capital of the<a href="http://en.wikipedia.org/wiki/Tuscany" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tuscany">Tuscany</a>&nbsp;region of&nbsp;<a href="http://en.wikipedia.org/wiki/Italy" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Italy">Italy</a>. Florence, Alabama was incorporated in 1826.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence is renowned for its annual tourism events, including&nbsp;<a class="external text" href="http://www.wchandymusicfestival.org/index.htm" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">W.C. Handy Music Festival</a>in the summer, and the&nbsp;<a class="external text" href="http://www.renfaire.com/Sites/formatsite.cgi?Alabama_Renaissance_Faire" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Renaissance Faire</a>in the autumn. Landmarks in Florence include the&nbsp;<a href="http://en.wikipedia.org/wiki/Rosenbaum_House" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Rosenbaum House">Rosenbaum House</a>, the only&nbsp;<a href="http://en.wikipedia.org/wiki/Frank_Lloyd_Wright" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Frank Lloyd Wright">Frank Lloyd Wright</a>-designed home located in Alabama.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The type of municipal government is mayor-council.</p>
<table class="toc" id="toc" style="border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-top-color: rgb(170, 170, 170); border-right-color: rgb(170, 170, 170); border-bottom-color: rgb(170, 170, 170); border-left-color: rgb(170, 170, 170); background-color: rgb(249, 249, 249); padding-top: 5px; padding-right: 5px; padding-bottom: 5px; padding-left: 5px; ">
<tbody>
<tr>
<td>
<div id="toctitle">
<h2 style="font-weight: bold; ">Contents</h2>
</p></div>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li class="toclevel-1 tocsection-1"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Geography" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">1</span>&nbsp;<span class="toctext">Geography</span></a></li>
<li class="toclevel-1 tocsection-2"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Demographics" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">2</span>&nbsp;<span class="toctext">Demographics</span></a></li>
<li class="toclevel-1 tocsection-3"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Education" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">3</span>&nbsp;<span class="toctext">Education</span></a></li>
<li class="toclevel-1 tocsection-4"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Culture_and_Events" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">4</span>&nbsp;<span class="toctext">Culture and Events</span></a>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li class="toclevel-2 tocsection-5"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Museums" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">4.1</span>&nbsp;<span class="toctext">Museums</span></a></li>
<li class="toclevel-2 tocsection-6"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Festivals" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">4.2</span>&nbsp;<span class="toctext">Festivals</span></a></li>
<li class="toclevel-2 tocsection-7"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Parks" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">4.3</span>&nbsp;<span class="toctext">Parks</span></a></li>
<li class="toclevel-2 tocsection-8"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Other_Attractions" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">4.4</span>&nbsp;<span class="toctext">Other Attractions</span></a></li>
</ul>
</li>
<li class="toclevel-1 tocsection-9"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Notable_persons_of_Florence" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">5</span>&nbsp;<span class="toctext">Notable persons of Florence</span></a></li>
<li class="toclevel-1 tocsection-10"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Transportation" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">6</span>&nbsp;<span class="toctext">Transportation</span></a></li>
<li class="toclevel-1 tocsection-11"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Media" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">7</span>&nbsp;<span class="toctext">Media</span></a>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li class="toclevel-2 tocsection-12"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#AM_Radio" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">7.1</span>&nbsp;<span class="toctext">AM Radio</span></a></li>
<li class="toclevel-2 tocsection-13"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#FM_Radio" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">7.2</span>&nbsp;<span class="toctext">FM Radio</span></a></li>
<li class="toclevel-2 tocsection-14"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Television_and_Low-Power_Television" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">7.3</span>&nbsp;<span class="toctext">Television and Low-Power Television</span></a>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li class="toclevel-3 tocsection-15"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#Past_Television_Stations" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">7.3.1</span>&nbsp;<span class="toctext">Past Television Stations</span></a></li>
</ul>
</li>
</ul>
</li>
<li class="toclevel-1 tocsection-16"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#References" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">8</span>&nbsp;<span class="toctext">References</span></a></li>
<li class="toclevel-1 tocsection-17"><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#External_links" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><span class="tocnumber">9</span>&nbsp;<span class="toctext">External links</span></a></li>
</ul>
</td>
</tr>
</tbody>
</table>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Geography">Geography</span></h2>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence is located at&nbsp;<span class="plainlinks nourlexpansion"><a class="external text" href="http://toolserver.org/~geohack/geohack.php?pagename=Florence,_Alabama&amp;params=34.820287_N_-87.662860_E_type:city_region:US" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; "><span class="geo-default" style="display: inline; "><span class="geo-dms" style="display: inline; " title="Maps, aerial photos, and other data for this location"><span class="latitude" style="white-space: nowrap; ">34&deg;49&prime;13&Prime;N</span>&nbsp;<span class="longitude" style="white-space: nowrap; ">87&deg;39&prime;46&Prime;W</span></span></span></a></span>.<sup class="reference" id="cite_ref-GR1_2-0" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-GR1-2" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>3<span>]</span></a></sup></p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">According to the&nbsp;<a href="http://en.wikipedia.org/wiki/United_States_Census_Bureau" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States Census Bureau">U.S. Census Bureau</a>, Florence has a total area of 25.0&nbsp;square miles (64.8&nbsp;km&sup2;): 24.9&nbsp;square miles (64.6&nbsp;km&sup2;) of it is land, and 0.1&nbsp;square miles (0.3&nbsp;km&sup2;) of it (0.40%) is water. Florence is located on&nbsp;<a href="http://en.wikipedia.org/wiki/Wilson_Lake" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wilson Lake">Wilson Lake</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/Pickwick_Lake" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Pickwick Lake">Pickwick Lake</a>, bodies of water on the&nbsp;<a href="http://en.wikipedia.org/wiki/Tennessee_River" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tennessee River">Tennessee River</a>dammed by&nbsp;<a href="http://en.wikipedia.org/wiki/Wheeler_Dam" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wheeler Dam">Wheeler</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/Wilson_Dam" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wilson Dam">Wilson Dams</a>.&nbsp;<a href="http://en.wikipedia.org/wiki/Wheeler_Lake" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wheeler Lake">Wheeler Lake</a>&nbsp;was created by the&nbsp;<a href="http://en.wikipedia.org/wiki/Tennessee_Valley_Authority" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tennessee Valley Authority">Tennessee Valley Authority</a>&nbsp;(TVA), one of several&nbsp;<a href="http://en.wikipedia.org/wiki/Alphabet_agencies" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Alphabet agencies">alphabet agencies</a>&nbsp;of<a href="http://en.wikipedia.org/wiki/Franklin_D._Roosevelt" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Franklin D. Roosevelt">President Franklin Delano Roosevelt&#39;s</a>&nbsp;<a href="http://en.wikipedia.org/wiki/New_Deal" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="New Deal">New Deal</a>. Wilson Dam, authorized by&nbsp;<a href="http://en.wikipedia.org/wiki/Woodrow_Wilson" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Woodrow Wilson">President Woodrow Wilson</a>&nbsp;in 1918, was the first dam constructed on the Tennessee River.</p>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Demographics">Demographics</span></h2>
<table align="right" cellpadding="1" cellspacing="0" class="toccolours" style="margin-top: 0px; margin-right: 0px; margin-bottom: 1em; margin-left: 1em; clear: right; text-align: right; ">
<tbody>
<tr>
<th bgcolor="#CCCCFF" colspan="4" style="background-color: rgb(204, 204, 255); padding-right: 3px; padding-left: 3px; font-size: 18px; text-align: center; ">Historical populations</th>
</tr>
<tr style="font-size: 15px; ">
<th style="text-align: center; border-bottom-width: 1px; border-bottom-style: solid; border-bottom-color: black; ">Census</th>
<th style="text-align: center; border-bottom-width: 1px; border-bottom-style: solid; border-bottom-color: black; "><span style="border-bottom-width: 1px; border-bottom-style: dotted; border-bottom-color: initial; " title="Population">Pop.</span></th>
<th style="text-align: center; border-bottom-width: 1px; border-bottom-style: solid; border-bottom-color: black; ">&nbsp;</th>
<th style="text-align: center; border-bottom-width: 1px; border-bottom-style: solid; border-bottom-color: black; "><span style="border-bottom-width: 1px; border-bottom-style: dotted; border-bottom-color: initial; " title="Percent change">%&plusmn;</span></th>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1850_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1850 United States Census">1850</a></b></td>
<td style="padding-left: 8px; ">892</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; ">
							<center>&mdash;</center>
						</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1860_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1860 United States Census">1860</a></b></td>
<td style="padding-left: 8px; ">1,395</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">56.4</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1870_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1870 United States Census">1870</a></b></td>
<td style="padding-left: 8px; ">2,003</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">43.6</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1880_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1880 United States Census">1880</a></b></td>
<td style="padding-left: 8px; ">1,359</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">&minus;32.2</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1890_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1890 United States Census">1890</a></b></td>
<td style="padding-left: 8px; ">6,012</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">342.4</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1900_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1900 United States Census">1900</a></b></td>
<td style="padding-left: 8px; ">6,478</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">7.8</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1910_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1910 United States Census">1910</a></b></td>
<td style="padding-left: 8px; ">6,689</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">3.3</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1920_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1920 United States Census">1920</a></b></td>
<td style="padding-left: 8px; ">10,529</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">57.4</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1930_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1930 United States Census">1930</a></b></td>
<td style="padding-left: 8px; ">11,729</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">11.4</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1940_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1940 United States Census">1940</a></b></td>
<td style="padding-left: 8px; ">15,043</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">28.3</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1950_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1950 United States Census">1950</a></b></td>
<td style="padding-left: 8px; ">23,879</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">58.7</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1960_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1960 United States Census">1960</a></b></td>
<td style="padding-left: 8px; ">31,518</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">32.0</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1970_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1970 United States Census">1970</a></b></td>
<td style="padding-left: 8px; ">34,031</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">8.0</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1980_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1980 United States Census">1980</a></b></td>
<td style="padding-left: 8px; ">37,029</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">8.8</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/1990_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="1990 United States Census">1990</a></b></td>
<td style="padding-left: 8px; ">36,426</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">&minus;1.6</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b><a href="http://en.wikipedia.org/wiki/2000_United_States_Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="2000 United States Census">2000</a></b></td>
<td style="padding-left: 8px; ">36,264</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">&minus;0.4</span>%</td>
</tr>
<tr>
<td style="text-align: center; "><b>Est. 2007</b></td>
<td style="padding-left: 8px; ">37,449</td>
<td>&nbsp;</td>
<td style="padding-left: 8px; "><span style="white-space: nowrap; ">3.3</span>%</td>
</tr>
<tr>
<td colspan="4" style="border-top-width: 1px; border-top-style: solid; border-top-color: black; font-size: 14px; text-align: left; "><sup class="Template-Fact" style="line-height: 1em; white-space: nowrap; " title="This claim needs references to reliable sources from November 2009">[<i><a href="http://en.wikipedia.org/wiki/Wikipedia:Citation_needed" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wikipedia:Citation needed">citation needed</a></i>]</sup></td>
</tr>
</tbody>
</table>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">As of the&nbsp;<a href="http://en.wikipedia.org/wiki/Census" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Census">census</a><sup class="reference" id="cite_ref-GR2_3-0" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-GR2-3" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>4<span>]</span></a></sup>&nbsp;of 2000, there were 36,264 people, 15,820 households, and 9,555 families residing in the city. The&nbsp;<a href="http://en.wikipedia.org/wiki/Population_density" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Population density">population density</a>&nbsp;was 1,454.6 people per square mile (561.6/km&sup2;). There were 17,707 housing units at an average density of 710.2/sq&nbsp;mi (274.2/km&sup2;). The racial makeup of the city was 78.39%&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">White</a>, 19.20%&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Black</a>&nbsp;or&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">African American</a>, 0.24%&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Native American</a>, 0.62%&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Asian</a>, 0.03%&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Pacific Islander</a>, 0.54% from&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">other races</a>, and 0.97% from two or more races. 1.34% of the population were&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Hispanic</a>&nbsp;or&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Race_(United_States_Census)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Race (United States Census)">Latino</a>&nbsp;of any race.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">There were 15,820 households, out of which 25.9% had children under the age of 18 living with them: 43.6% were&nbsp;<a href="http://en.wikipedia.org/wiki/Marriage" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Marriage">married couples</a>&nbsp;living together, 14.0% had a female householder with no husband present, and 39.6% were non-families. Nearly 33.8% of all households were made up of individuals, and 13.3% had someone living alone who was 65 years of age or older. The average household size was 2.20, and the average family size was 2.82.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">In the city, the population was spread out with 21.4% under the age of 18, 13.7% from 18 to 24, 25.7% from 25 to 44, 21.7% from 45 to 64, and 17.5% who were 65 years of age or older. The median age was 37 years. For every 100 females there were 84.0 males. For every 100 females age 18 and over, there were 79.7 males.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The median income for a household in the city was $28,330, and the median income for a family was $40,577. Males had a median income of $34,398 versus $21,385 for females. The&nbsp;<a href="http://en.wikipedia.org/wiki/Per_capita_income" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Per capita income">per capita income</a>&nbsp;for the city was $19,464. About 14.4% of families and 20.4% of the population were below the<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Poverty_line" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Poverty line">poverty line</a>, including 25.9% of those under age 18 and 13.3% of those age 65 or over.</p>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Education">Education</span></h2>
<div class="thumb tleft" style="margin-bottom: 0.8em; border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; width: auto; overflow-x: hidden; overflow-y: hidden; float: left; margin-right: 1.4em; border-width: initial; border-color: initial; border-width: initial; border-color: initial; margin-top: 0.5em; margin-left: 0px; ">
<div class="thumbinner" style="min-width: 100px; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-top-color: rgb(204, 204, 204); border-right-color: rgb(204, 204, 204); border-bottom-color: rgb(204, 204, 204); border-left-color: rgb(204, 204, 204); padding-top: 3px !important; padding-right: 3px !important; padding-bottom: 3px !important; padding-left: 3px !important; background-color: rgb(249, 249, 249); font-size: 15px; text-align: center; width: 222px; "><a class="image" href="http://en.wikipedia.org/wiki/File:UNA_HarrisonPlaza.jpg" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><img alt="" class="thumbimage" height="147" src="http://upload.wikimedia.org/wikipedia/commons/thumb/8/8a/UNA_HarrisonPlaza.jpg/220px-UNA_HarrisonPlaza.jpg" style="border-top-style: solid; border-right-style: solid; border-bottom-style: solid; border-left-style: solid; border-width: initial; border-color: initial; border-top-width: 1px; border-right-width: 1px; border-bottom-width: 1px; border-left-width: 1px; border-top-color: rgb(204, 204, 204); border-right-color: rgb(204, 204, 204); border-bottom-color: rgb(204, 204, 204); border-left-color: rgb(204, 204, 204); background-color: rgb(255, 255, 255); " width="220" /></a></p>
<div class="thumbcaption" style="border-top-style: none; border-right-style: none; border-bottom-style: none; border-left-style: none; border-width: initial; border-color: initial; padding-top: 0.3em; padding-right: 0px; padding-bottom: 0.1em; padding-left: 0px; ">Harrison Plaza, University of North Alabama</div>
</p></div>
</p></div>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Situated in Florence, and founded in 1830 as LaGrange College, the&nbsp;<a href="http://en.wikipedia.org/wiki/University_of_North_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="University of North Alabama">University of North Alabama</a>, a public, co-educational, higher education institution, is Alabama&#39;s oldest state-certified university. The University is the largest in north Alabama, with an enrollment topping 7,000 for the first time in 2007. Culturally diverse, international students now comprise roughly 10% of the student population. The University is known for its beautifully landscaped, pedestrian-friendly campus that is situated on 130&nbsp;acres (0.53&nbsp;km<sup style="line-height: 1em; ">2</sup>) and surrounded by historic neighborhoods. It is located just north of the downtown business district.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; "><a href="http://en.wikipedia.org/wiki/Florence_City_Schools" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Florence City Schools">Florence City Schools</a>&nbsp;is the organization of the K-12 public school system. Florence High School (grades 10-12) is the main high school, with an enrollment of approximately 1,000 students. It was created by a merge between the previous two city high schools, Coffee High School and Henry A. Bradshaw High School. It is located at the former site of Bradshaw High School. The merger also led to the creation of Florence Middle School (grades 7-8) and the Florence Freshman Center (grade 9), both located at the former Coffee High School campus.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">There are five private schools in Florence:&nbsp;<a href="http://en.wikipedia.org/wiki/Riverhill_School" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Riverhill School">Riverhill School</a>&nbsp;(non-parochial Pre K-9&nbsp;<a class="external autonumber" href="http://www.riverhillschool.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">[1]</a>, actually located just north of Florence in&nbsp;<a href="http://en.wikipedia.org/wiki/St._Florian,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="St. Florian, Alabama">St. Florian</a>), St. Joseph Regional Catholic School (K-8),&nbsp;<a href="http://en.wikipedia.org/wiki/Mars_Hill_Bible_School" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Mars Hill Bible School">Mars Hill Bible School</a>, Shoals Christian School, and Florence Christian Academy. Those are multi-denominational, private K-12 schools.</p>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Culture_and_Events">Culture and Events</span></h2>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The city of Florence is home to several museums, historical sites, and numerous parks to serve the cultural and recreational needs of citizens and tourists. A variety of festivals also occur throughout the year.</p>
<h3 style="font-weight: bold; "><span class="mw-headline" id="Museums">Museums</span></h3>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li><a class="external text" href="http://www.florenceal.org/cultural/artsandmuseums.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">The Kennedy-Douglass Center for the Arts</a>is the center for numerous cultural activities, exhibits, and events. The Center showcases artists from around the Southeast, and offers classes and workshops to people of all ages. It is listed on the&nbsp;<a href="http://en.wikipedia.org/wiki/National_Register_of_Historic_Places" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="National Register of Historic Places">National Register of Historic Places</a>, and provides administrative offices for Florence&#39;s six museums.</li>
<li>The&nbsp;<a class="external text" href="http://www.florenceal.org/Community_Arts/Art_Museums/Art_Galleries_Museums/Indian_Mound/index.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Indian Mound and Museum</a>is the largest of its type in the Tennessee Valley Region. The mound, which measures 310Hx230Wx42D (feet) and named &quot;Wawmanona&quot; was built circa 500 A.D. and is thought to be locale for tribal ceremony and ritual. The museum displays Native American artifacts from the Mound and the surrounding area, dating back 10,000 years.</li>
<li><a class="external text" href="http://www.flo-tour.org/popes.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Pope&#39;s Tavern</a>is a renowned historical stop and served as a hospital along the way of many skirmishing Civil War soldiers from both the Union and Confederate armies. It also served time as a stagecoach stop, a tavern, and an inn. The museum houses Civil War artifacts as well as antiques from the 18th and 19th centuries. It is one of Florence&#39;s oldest standing structures.</li>
<li>The&nbsp;<a class="external text" href="http://www.flo-tour.org/handymus.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">W.C. Handy Home and Museum</a>is dedicated to one of Florence&#39;s most famous sons. Known as the &quot;Father of the Blues&quot;, Handy was born in a log cabin at this site in 1873. The museum contains a collection Handy&#39;s personal papers, artifacts, and other items he donated before his death in 1958.</li>
<li>The&nbsp;<a href="http://en.wikipedia.org/wiki/Rosenbaum_House" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Rosenbaum House">Rosenbaum House</a>, on Riverview Drive, is the only building in the state designed by famous architect&nbsp;<a href="http://en.wikipedia.org/wiki/Frank_Lloyd_Wright" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Frank Lloyd Wright">Frank Lloyd Wright</a>. It was built in 1939. The house was the first in the city to have such novelties as a carport and under-floor heating. It is open for tours five days of the week.</li>
<li>The&nbsp;<a class="external text" href="http://www.flo-tour.org/childrensm.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Children&#39;s Museum of the Shoals</a>contains exhibits displaying the history, people, and events that make up the Shoals&#39; history. The museum is designed to promote learning in a hands-on environment. The museum offers educational workshops year-round for children of all ages.</li>
<li>The&nbsp;<a href="http://en.wikipedia.org/wiki/Forks_of_Cypress" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Forks of Cypress">Forks of Cypress</a>&nbsp;was a cotton plantation located in Florence. Its remains can still be seen in the form of 24 Greek columns, as well as the Jackson Family cemetery.</li>
</ul>
<h3 style="font-weight: bold; "><span class="mw-headline" id="Festivals">Festivals</span></h3>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li>The Sam Phillips Music Celebration was born in January 2005 and has become an annual week long event that takes place the first week in January. The life of Sam Phillips is celebrated with events that include the Sam Phillips Birthday Party, &quot;Conversations on Sam,&quot; Sam Jam Concert, Muscle Shoals to Music Row Live and a finale concert. Although Sam is credited for the birth of Rock n&#39; Roll and the discovery of many acclaimed artists such as&nbsp;<a href="http://en.wikipedia.org/wiki/Elvis_Presley%27s_Sun_recordings" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Elvis Presley's Sun recordings">Elvis Presley</a>, he also recorded Gospel, Rhythm &amp; Blues, Country &amp; Rockabilly. For more information, contact WQLT/Big River Broadcasting at 256-764-8121.</li>
<li>The&nbsp;<a class="new" href="http://en.wikipedia.org/w/index.php?title=George_Lindsey/UNA_Film_Festival&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="George Lindsey/UNA Film Festival (page does not exist)">George Lindsey/UNA Film Festival</a>&nbsp;has been ongoing for nine years, and is named in honor of&nbsp;<a href="http://en.wikipedia.org/wiki/George_Lindsey" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="George Lindsey">George Lindsey</a>, an actor who is most famous for his character portrayal of &quot;Goober Pyle&quot; on&nbsp;<i><a href="http://en.wikipedia.org/wiki/The_Andy_Griffith_Show" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="The Andy Griffith Show">The Andy Griffith Show</a></i>&nbsp;(television series). Mr. Lindsey is a UNA (then known as Florence State College) graduate. The event takes place in April.</li>
<li><a class="external text" href="http://www.artsalivealabama.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Arts Alive</a>, in May, was first started in 1986. Artists from around the Southeast gather in Wilson Park for two days to show off their work.</li>
<li>The Spirit of Freedom Celebration is an annual Fourth of July tradition, presented by the Shoals Radio Group (<a href="http://en.wikipedia.org/wiki/WLAY-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WLAY-FM">WLAY-FM</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/WVNA-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WVNA-FM">WVNA-FM</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/WMSR-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WMSR-FM">WMSR-FM</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/WMXV" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WMXV">WMXV</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/WVNA_(AM)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WVNA (AM)">WVNA</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/WLAY" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WLAY">WLAY</a>). Thousands of people gather at McFarland Park starting in the morning, for a day spent listening to a variety of musical acts. The celebration concludes around 10:00 with a huge fireworks display over the Tennessee River.</li>
<li>The&nbsp;<a class="external text" href="http://www.wchandymusicfestival.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">W.C. Handy Music Festival</a>is perhaps Florence&#39;s most well-known event. Every year, for a week in late July or early August, musicians from around the country descend upon the Shoals. Area restaurants offer live music most nights, and artists often perform in Wilson Park or along streets downtown. Though the focus was originally on blues and jazz, the musical selection now includes rock, country, gospel and others. The festival, the largest in the Shoals area, also includes educational events, art shows, athletic competitions, great food, and more.</li>
<li>Every September, Florence is the termination point for riders in the annual&nbsp;<a class="external text" href="http://www.trailoftears-remembrance.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; "><b>Trail of Tears Remembrance Motorcycle Ride</b></a>, which terminates in nearby McFarland Park. The ride is in remembrance of a dark chapter in American history in which Native Americans were shipped off to Oklahoma and the mid-west by the&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Indian_Removal_Act_of_1830" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Indian Removal Act of 1830">Indian Removal Act of 1830</a>.</li>
<li>The&nbsp;<a class="external text" href="http://www.alarenfaire.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Alabama Renaissance Fair</a>is held in Wilson Park during the fourth weekend in October. The festival celebrates Florence&#39;s heritage as the &quot;Renaissance City&quot; by recreating the feel of a medieval fair. Activities include arts and crafts, magicians, reenactments and musical performances. Festival-goers are also invited to dress in period clothing.</li>
<li><a class="external text" href="http://www.firstfridaysflorence.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">First Fridays in Florence</a>is a growing arts and music event occurring every First Friday from April through December in Historic Downtown Florence. The nine months of art and music nights began in 2005. Florence, Alabama and its downtown development efforts (including First Fridays events) were featured as a &quot;wise&quot; community in the EPA Smart Growth publication&nbsp;<a class="external text" href="http://www.smartgrowth.org/library/articles.asp?art=2367&amp;res=1024/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">This is Smart Growth</a>.</li>
</ul>
<h3 style="font-weight: bold; "><span class="mw-headline" id="Parks">Parks</span></h3>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The city has seven major parks, as well as two that are presently under construction.</p>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li>Cox Creek Park is home to a children&#39;s playground, horsehoe pits, an indoor archery range, and twelve tennis courts. Recent additions have included the new Florence Skate Park, the only skateboard park in the city, and a new stadium for the University of North Alabama softball team. The Florence/Lauderdale Farmer&#39;s Market is also located at the park.</li>
<li>Deibert Park is the city&#39;s newest park. A former horse farm belonging to the Deibert family, the park now includes a playground, picnic shelters, and three ponds. The network of walking trails is enjoyed by walkers, joggers, and bikers. The park is the site of the Children&#39;s Museum of the Shoals.</li>
<li>Martin Park is the location for the city swimming facility, at the Royal Avenue Recreation Center. The park is also home to a playground, tennis courts, picnic shelters, and a three-quarter mile jogging trail.</li>
<li>McFarland Park is also the location of the&nbsp;<a class="external text" href="http://www.florenceharbor.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Florence Harbor and Marina</a>. While serving as host to several events throughout the year, the park is also equipped with a playground, numerous picnic shelters, campgrounds, soccer fields, baseball fields, a golf driving range, and lighted walking trails. Situated along Pickwick Lake, the park is also used by fishermen, boaters, and swimmers.</li>
<li>Veterans Park contains a memorial to the war veterans of Florence and Lauderdale county. Twenty-two campsites, six lighted tennis courts, baseball and softball fields, playgrounds, and picnic shelters are also found at the park. Veterans Park is also home to one of the oldest&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Disc_Golf" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Disc Golf">Disc Golf</a>&nbsp;courses in the state. It was established in 1983.</li>
<li>Wildwood Park is located adjacent to the University of North Alabama along Cypress Creek. It is the most secluded and serene of the city parks. Picnic tables, nature trails, and bicycle trails can all be found here. The park is also used by swimmers, canoers, and fishermen.</li>
<li>Wilson Park is located in the heart of downtown, across from the Florence-Lauderdale Public Library. As the &quot;Central Park&quot; of Florence, its grounds are used for numerous festivals and events.</li>
<li>River Heritage Park is located at the base of the Renaissance Tower and adjacent to the Marriott Shoals Hotel and Conference Center. The park contains scenic overlooks of the Tennessee River and Wilson Dam. Also included are be picnic shelters, a playground, and an interactive fountain.</li>
</ul>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">As of 2007, The Florence Sportplex is currently under construction. It will be located at the corner of Alabama 20 and Gunwaleford Road, and completed in 2008. It will be the home of the majority of youth sports for the city, and include football, soccer, baseball, and softball fields, as well as possibly new tennis courts, walking trails, and picnic shelters.</p>
<h3 style="font-weight: bold; "><span class="mw-headline" id="Other_Attractions">Other Attractions</span></h3>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li><a href="http://en.wikipedia.org/wiki/Braly_Municipal_Stadium" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Braly Municipal Stadium">Braly Municipal Stadium</a>, on the campus of Florence Middle School, is the home to both the University of North Alabama and Florence High School football teams. The stadium has one of the finest playing surfaces in the country, with the ability to withstand up to six inches (152&nbsp;mm) of rainfall. Capacity is 14,125. Since 1986, the stadium has been home of the&nbsp;<a class="external text" href="http://www.d2championship.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">NCAA Division II Football Championship Game</a>. The game is nationally televised and usually takes place the second or third weekend in December.</li>
<li>The Sweetwater Arts and Entertainment District is a proposed redevelopment for the East Florence business district. The plan has designated a mixture of zoning regulations for the area that will allow for the establishment of nightclubs and other entertainment venues. The city envisions a district similar to Beale Street in Memphis that will help draw in tourists and serve citiznes and the students at the University of North Alabama.</li>
</ul>
<div class="rellink boilerplate seealso" style="font-style: italic; padding-left: 2em; margin-bottom: 0.5em; ">See also:&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/List_of_Registered_Historic_Places_in_Lauderdale_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="List of Registered Historic Places in Lauderdale County, Alabama">List of Registered Historic Places in Lauderdale County, Alabama</a></div>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Notable_persons_of_Florence">Notable persons of Florence</span></h2>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence is the birthplace of&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/William_Christopher_Handy" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="William Christopher Handy">W.C. Handy</a>, the &quot;Father of the Blues,&quot; as well as of pioneering&nbsp;<a href="http://en.wikipedia.org/wiki/Record_producer" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Record producer">record producer</a>&nbsp;<a href="http://en.wikipedia.org/wiki/Sam_Phillips" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Sam Phillips">Sam Phillips</a>, who discovered&nbsp;<a href="http://en.wikipedia.org/wiki/Elvis_Presley" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Elvis Presley">Elvis Presley</a>.&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/T.S._Stribling" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="T.S. Stribling">T.S. Stribling</a>, a 20th-century author and Florence resident, wrote a prose trilogy about the city consisting of&nbsp;<i>The Forge</i>,&nbsp;<i><a href="http://en.wikipedia.org/wiki/The_Store" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="The Store">The Store</a></i>&nbsp;(which won the&nbsp;<a href="http://en.wikipedia.org/wiki/Pulitzer_Prize" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Pulitzer Prize">Pulitzer Prize</a>), and&nbsp;<i><a class="new" href="http://en.wikipedia.org/w/index.php?title=Unfinished_Cathedral&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="Unfinished Cathedral (page does not exist)">Unfinished Cathedral</a></i>. Florence is where the 2009 British Open winner&nbsp;<a href="http://en.wikipedia.org/wiki/Stewart_Cink" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Stewart Cink">Stewart Cink</a>&nbsp;was raised. He attended&nbsp;<a class="new" href="http://en.wikipedia.org/w/index.php?title=Bradshaw_High_School&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="Bradshaw High School (page does not exist)">Bradshaw High School</a>&nbsp;before attending&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Georgia_Tech" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Georgia Tech">Georgia Tech</a>. Florence is also the birthplace of one-half of&nbsp;<a href="http://en.wikipedia.org/wiki/The_Midnight_Express_(professional_wrestling)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="The Midnight Express (professional wrestling)">The Midnight Express</a>,&nbsp;<a href="http://en.wikipedia.org/wiki/Dennis_Condrey" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Dennis Condrey">&quot;Loverboy&quot; Dennis Condrey</a>.&nbsp;<a href="http://en.wikipedia.org/wiki/Dred_Scott" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Dred Scott">Dred Scott</a>&nbsp;also once resided in Florence, where, as a slave, he worked as a&nbsp;<a href="http://en.wikipedia.org/wiki/Hostler" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Hostler">hostler</a>&nbsp;at the Peter Blow Inn on Tennessee street. A plaque at the former site commemorates his time there.&nbsp;<a href="http://en.wikipedia.org/wiki/Bobby_W._Miller" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Bobby W. Miller">Bobby W. Miller</a>, who marched with Dr.&nbsp;<a href="http://en.wikipedia.org/wiki/Martin_Luther_King,_Jr." style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Martin Luther King, Jr.">Martin Luther King, Jr.</a>, in&nbsp;<a href="http://en.wikipedia.org/wiki/Selma,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Selma, Alabama">Selma, Alabama</a>&nbsp;in 1965, was credited later with ending segregated locker rooms at the&nbsp;<a href="http://en.wikipedia.org/wiki/Ford_Motor_Company" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Ford Motor Company">Ford Motor Company</a>&nbsp;Die Cast Plant in&nbsp;<a href="http://en.wikipedia.org/wiki/Sheffield,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Sheffield, Alabama">Sheffield, Alabama</a>, where he was employed from 1962-1974. Miller was shot down twice in&nbsp;<a href="http://en.wikipedia.org/wiki/Vietnam" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Vietnam">Vietnam</a>&nbsp;and was awarded the&nbsp;<a href="http://en.wikipedia.org/wiki/Distinguished_Flying_Cross_(United_States)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Distinguished Flying Cross (United States)">Distinguished Flying Cross</a>&nbsp;and Air Medal.&nbsp;<a class="external text" href="http://www.alabamabound.org/AuthorPages/YorkTom.htm" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Tom York</a>grew up in Florence, graduated from Florence State Teachers&#39; College, now the University of North Alabama, and spent eight years in radio in Florence (WLAY). In 1957, he joined WBRC-TV in Birmingham, Alabama as their sports director. He also originated the&nbsp;<i>Tom York Morning Show</i>&nbsp;(one of America&#39;s longest running one-hour local talk shows) on the air for 32 years. He was awarded an Emmy by the&nbsp;<a href="http://en.wikipedia.org/wiki/National_Academy_of_Television_Arts_and_Sciences" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="National Academy of Television Arts and Sciences">National Academy of Television Arts and Sciences</a>&nbsp;in 1995.<sup class="reference" id="cite_ref-4" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-4" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>5<span>]</span></a></sup></p>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/W.C._Handy" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="W.C. Handy">W.C. Handy</a>, Father of the Blues</li>
<li><a href="http://en.wikipedia.org/wiki/Sam_Phillips" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Sam Phillips">Sam Phillips</a>, discovered&nbsp;<a href="http://en.wikipedia.org/wiki/Elvis_Presley" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Elvis Presley">Elvis Presley</a></li>
<li><a href="http://en.wikipedia.org/wiki/Josh_Willingham" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Josh Willingham">Josh Willingham</a>,&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Major_league_baseball" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Major league baseball">major league baseball</a>&nbsp;player,&nbsp;<a href="http://en.wikipedia.org/wiki/Montreal_Expos" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Montreal Expos">Washington Nationals</a></li>
<li><a href="http://en.wikipedia.org/wiki/Billy_Reid" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Billy Reid">Billy Reid</a>, fashion designer</li>
<li><a href="http://en.wikipedia.org/wiki/Charles_Moore" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Charles Moore">Charles Moore</a>,&nbsp;<a class="mw-redirect" href="http://en.wikipedia.org/wiki/Civil_rights" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Civil rights">civil rights</a>&nbsp;photographer</li>
<li><a href="http://en.wikipedia.org/wiki/Dred_Scott" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Dred Scott">Dred Scott</a>&nbsp;of the Dred Scott vs. Sanford case</li>
<li><a href="http://en.wikipedia.org/wiki/George_Lindsey" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="George Lindsey">George Lindsey</a>, actor</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/George_W._Goethals" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="George W. Goethals">George W. Goethals</a>, chief engineer on the&nbsp;<a href="http://en.wikipedia.org/wiki/Panama_Canal" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Panama Canal">Panama Canal</a></li>
<li><a href="http://en.wikipedia.org/wiki/Donna_Jean_Godchaux" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Donna Jean Godchaux">Donna Jean Godchaux</a>, American singer best known for having been a member of the rock group Grateful Dead</li>
<li><a href="http://en.wikipedia.org/wiki/Kelvin_Holly" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Kelvin Holly">Kelvin Holly</a>, musician, guitarist for Little Richard, The Amazing Rhythm Aces, session guitar player.</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=Natalie_Chanin&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="Natalie Chanin (page does not exist)">Natalie Chanin</a>, fashion designer</li>
<li>Allen W. Sorrell, Delta Sigma Phi EE, Old Dominion University Champion Eater, Hampton High School (Hampton, Va.) track star,</li>
</ul>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Transportation">Transportation</span></h2>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence is the merger point for two major&nbsp;<a href="http://en.wikipedia.org/wiki/United_States_Numbered_Highways" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States Numbered Highways">U.S. Highways</a>, as well as several&nbsp;<a href="http://en.wikipedia.org/wiki/List_of_state_highways_in_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="List of state highways in Alabama">Alabama Highways</a>. Both&nbsp;<a href="http://en.wikipedia.org/wiki/U.S._Route_43" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="U.S. Route 43">U.S. Highway 43</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/U.S._Route_72" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="U.S. Route 72">U.S. Highway 72</a>&nbsp;merge just west of the city limits in&nbsp;<a href="http://en.wikipedia.org/wiki/Killen,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Killen, Alabama">Killen</a>, and are co-signed their entire length through the city. Highway 43, running north and south, helps connect the city to&nbsp;<a href="http://en.wikipedia.org/wiki/Lawrenceburg,_Tennessee" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Lawrenceburg, Tennessee">Lawrenceburg</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/Columbia,_Tennessee" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Columbia, Tennessee">Columbia</a>&nbsp;to the north in&nbsp;<a href="http://en.wikipedia.org/wiki/Tennessee" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tennessee">Tennessee</a>, as well as&nbsp;<a href="http://en.wikipedia.org/wiki/Tuscaloosa,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Tuscaloosa, Alabama">Tuscaloosa</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/Mobile,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Mobile, Alabama">Mobile</a>&nbsp;to the south. Highway 72 helps connect the city to&nbsp;<a href="http://en.wikipedia.org/wiki/Huntsville,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Huntsville, Alabama">Huntsville</a>&nbsp;and&nbsp;<a href="http://en.wikipedia.org/wiki/Chattanooga,_Tennessee" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Chattanooga, Tennessee">Chattanooga, Tennessee</a>&nbsp;to the east and&nbsp;<a href="http://en.wikipedia.org/wiki/Memphis,_Tennessee" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Memphis, Tennessee">Memphis, Tennessee</a>&nbsp;to the west.&nbsp;<a href="http://en.wikipedia.org/wiki/Interstate_65" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Interstate 65">Interstate 65</a>&nbsp;is accessible about forty-five minutes east on Highway 72. Both of these roads cross the Tenneessee River on O&#39;Neal Bridge, connecting Florence to Sheffield.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Alabama state highways that serve the city include Alabama 13, Alabama 17, Alabama 20, Alabama 133, and Alabama 157. Alabama 133 connected Florence and Muscle Shoals via Wilson Dam until 2002, when the new six-lane &quot;Patton Island Bridge&quot; (the unofficial, but locally accepted name) finished construction. The bridge is part of a new corridor that will eventually see the widening of Wilson Dam Road in Muscle Shoals to Alabama 20, and the construction of a new road from the bridge to Florence Blvd. in Florence. Alabama 157 is also an important road to Florence and the Shoals area, serving as a four-lane link to Interstate 65 in&nbsp;<a href="http://en.wikipedia.org/wiki/Cullman,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Cullman, Alabama">Cullman</a>. After many years of political campaigning by local leaders to have the four-laning of the road completed, the project wrapped up in the summer of 2007. The road is known as the &quot;University of North Alabama Highway&quot;.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Florence and the Shoals area does not have a direct link to an Interstate highway at the present time. One solution discussed over the years has been the &quot;Memphis to Atlanta Highway&quot;, proposed to connect the two cities via a freeway through north Alabama. However, in recent years Mississippi has concentrated its funding on U.S. 78 (<a href="http://en.wikipedia.org/wiki/Interstate_22" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Interstate 22">future Interstate 22</a>), also known as &quot;Corridor X&quot;. Though U.S. 72 through Mississippi is four lanes, there are no plans to upgrade it to freeway status. Meanwhile, the state of Georgia has also not committed to the necessary work to connect the freeway from the Alabama state line to Atlanta. The highway remains in the planning stages with the Alabama Department of Transportation.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Another plan recently discussed is extending&nbsp;<a href="http://en.wikipedia.org/wiki/Interstate_565" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Interstate 565">Interstate 565</a>&nbsp;west from its current terminus just outside of&nbsp;<a href="http://en.wikipedia.org/wiki/Decatur,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Decatur, Alabama">Decatur</a>, perhaps along Alabama 20/Alternate U.S. 72. The plan has received some support from Decatur officials, some of whom would like to see the Interstate eventually extend west of Decatur and at least into&nbsp;<a href="http://en.wikipedia.org/wiki/Lawrence_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Lawrence County, Alabama">Lawrence County</a>.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">For air transportation, Florence is served by the&nbsp;<a href="http://en.wikipedia.org/wiki/Northwest_Alabama_Regional_Airport" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Northwest Alabama Regional Airport">Northwest Alabama Regional Airport</a>&nbsp;in Muscle Shoals. The airport is mostly used for general aviation, but daily flights to Atlanta are also offered by Mesaba Airlines- a Delta Connection carrier.&nbsp;<a href="http://en.wikipedia.org/wiki/Huntsville_International_Airport" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Huntsville International Airport">Huntsville International Airport</a>, offering service to eleven domestic destinations, is about an hours drive from Florence.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Local industry is also served by the Tennessee Southern Railroad, which runs from Florence to Columbia, Tennessee, and the Port of Florence on Pickwick Lake.</p>
<h2 style="font-weight: bold; "><span class="mw-headline" id="Media">Media</span></h2>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The&nbsp;<a href="http://en.wikipedia.org/wiki/TimesDaily" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="TimesDaily">TimesDaily</a>&nbsp;is a daily newspaper published in Florence that serves the greater Florence area, and which is owned by the Tennessee Valley Printing Company, who purchased the newspaper and associated media from&nbsp;<a href="http://en.wikipedia.org/wiki/The_New_York_Times_Company" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="The New York Times Company">The New York Times Company</a>&nbsp;in March, 2009<sup class="reference" id="cite_ref-5" style="line-height: 1em; font-weight: normal; font-style: normal; "><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_note-5" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; white-space: nowrap; background-position: initial initial; background-repeat: initial initial; "><span>[</span>6<span>]</span></a></sup>.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The Shoals Insider is a local news website. It is much like a newspaper, but doesn&#39;t print on paper. Local arrest records, foreclosures, divorces and other public documents are published daily, as well as news articles.&nbsp;<a class="external autonumber" href="http://www.shoalsinsider.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">[2]</a></p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">The Courier-Journal is a locally-owned and distributed weekly publication serving the greater Florence area.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">There are numerous radio, television and low-power FM radio stations and translators that serve Florence and the greater area, all which are in the greater Florence MSA.</p>
<p style="margin-top: 1em !important; margin-right: 0px !important; margin-bottom: 1em !important; margin-left: 0px !important; line-height: 1.2em; ">Among them are:</p>
<h3 style="font-weight: bold; "><span class="mw-headline" id="AM_Radio">AM Radio</span></h3>
<ol style="margin-bottom: 0.5em; ">
<li><a href="http://en.wikipedia.org/wiki/WSBM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WSBM">WSBM</a>&nbsp;(1340 AM; 1&nbsp;kW; Florence, AL; Owner: Big River Broadcasting Corporation)</li>
<li><a href="http://en.wikipedia.org/wiki/WVNA_(AM)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WVNA (AM)">WVNA</a>&nbsp;(1590 AM; 5&nbsp;kW; Tuscumbia, AL; Owner: Clear Channel Broadcasting Licenses, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WBTG" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WBTG">WBTG</a>&nbsp;(1290 AM; 1&nbsp;kW; Sheffield, AL)</li>
<li><a href="http://en.wikipedia.org/wiki/WBCF_(AM)" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WBCF (AM)">WBCF</a>&nbsp;(1240 AM; 1&nbsp;kW; Florence, AL; Owner: Benny Carle Broadcasting, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WLAY" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WLAY">WLAY</a>&nbsp;(1450 AM; 1&nbsp;kW; Muscle Shoals, AL; Owner: Clear Channel Broadcasting Licenses, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WZNN" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WZNN">WZNN</a>&nbsp;(620 AM; 5&nbsp;kW; Lexington, AL; Owner: Manual Huerta)</li>
<li><a href="http://en.wikipedia.org/wiki/WZZA" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WZZA">WZZA</a>&nbsp;(1410 AM; 1&nbsp;kW; Tuscumbia, AL; Owner: Muscle Shoals Broadcasting, INC.)</li>
</ol>
<h3 style="font-weight: bold; "><span class="mw-headline" id="FM_Radio">FM Radio</span></h3>
<ol style="margin-bottom: 0.5em; ">
<li><a href="http://en.wikipedia.org/wiki/WLAY-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WLAY-FM">WLAY-FM</a>&nbsp;(100.3 FM; Tuscumbia, AL; Owner: Clear Channel Broadcasting Licenses, INC.)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W274AA&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W274AA (page does not exist)">W274AA</a>&nbsp;(102.7 FM; Muscle Shoals, AL; Owner: WILLIAM P. ROGERS)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/W280DA" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="W280DA">W280DA</a>&nbsp;(103.9 FM; Florence, AL; Owner: BIBLE BROADCASTING NETWORK, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WAKD" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WAKD">WAKD</a>&nbsp;(89.9 FM; Sheffield, AL; Owner: AMERICAN FAMILY ASSOCIATION)</li>
<li><a href="http://en.wikipedia.org/wiki/WQLT-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WQLT-FM">WQLT-FM</a>&nbsp;(107.3 FM; Florence, AL; Owner: Big River Broadcasting Corporation)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W258AE&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W258AE (page does not exist)">W258AE</a>&nbsp;(99.5 FM; Florence, AL; Owner: WAY-FM MEDIA GROUP, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WFIX" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WFIX">WFIX</a>&nbsp;(91.3 FM; Florence, AL; Owner: TRI-STATE INSPIRATIONAL B/C CORP.)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W254AA&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W254AA (page does not exist)">W254AA</a>&nbsp;(98.7 FM; Colbert Heights, AL; Owner: WILLIAM P. ROGERS)</li>
<li><a href="http://en.wikipedia.org/wiki/WXFL" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WXFL">WXFL</a>&nbsp;(96.1 FM; Florence, AL; Owner: Big River Broadcasting Corporation)</li>
<li><a href="http://en.wikipedia.org/wiki/WVNA-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WVNA-FM">WVNA-FM</a>&nbsp;(105.5 FM; Muscle Shoals, AL; Owner: Clear Channel Broadcasting Licenses, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WBTG-FM" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WBTG-FM">WBTG-FM</a>&nbsp;(106.3 FM; Sheffield, AL; Owner: SLATTON &amp; ASSOCS. BROADCASTERS, INC.)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W202BY&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W202BY (page does not exist)">W202BY</a>&nbsp;(88.3 FM; Killen, AL; Owner: WAY-FM MEDIA GROUP, INC.)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/W253AH" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="W253AH">W253AH</a>&nbsp;(98.5 FM; Florence, AL; Owner: Big River Broadcasting Corporation)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W276AM&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W276AM (page does not exist)">W276AM</a>&nbsp;(103.1 FM; Florence, ETC., AL; Owner: J AND J BROADCASTING)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W225AB&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W225AB (page does not exist)">W225AB</a>&nbsp;(92.9 FM; Florence, AL; Owner: WILLIAM P. ROGERS)</li>
<li><a href="http://en.wikipedia.org/wiki/WYTK" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WYTK">WYTK</a>&nbsp;(93.9 FM; Rogersville, AL; Owner: SHOALS BROADCASTING CORPORATION)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/WQPR" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WQPR">WQPR</a>&nbsp;(88.7 FM; Muscle Shoals, AL; Owner: THE BD OF TRUSTEES UNIV. OF ALABAMA)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/WPMR" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WPMR">WPMR</a>&nbsp;(95.7 FM; Russellville, Al: Owner: Provision Ministries (Wanda Keele.)</li>
</ol>
<h3 style="font-weight: bold; "><span class="mw-headline" id="Television_and_Low-Power_Television">Television and Low-Power Television</span></h3>
<ol style="margin-bottom: 0.5em; ">
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=WXFL-LP&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="WXFL-LP (page does not exist)">WXFL-LP</a>&nbsp;(Channel 5; Florence, ETC., AL; Owner: Benny Carle Broadcasting, INC.)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/WBCF-LP" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WBCF-LP">WBCF-LP</a>&nbsp;(Channel 3; Florence, AL; Owner: Benny Carle Broadcasting, INC.)</li>
<li><a href="http://en.wikipedia.org/wiki/WHDF" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WHDF">WHDF</a>&nbsp;(Channel 15; Florence, AL; Owner: VALLEY TELEVISION, LLC)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W57BV&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W57BV (page does not exist)">W57BV</a>&nbsp;(Channel 57; Florence, AL; Owner: TRINITY BROADCASTING NETWORK)</li>
<li><a class="mw-redirect" href="http://en.wikipedia.org/wiki/WFIQ" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WFIQ">WFIQ</a>&nbsp;(Channel 36; Florence, AL; Owner: ALABAMA EDUCATIONAL TELEVISION COMMISSION)</li>
<li><a class="new" href="http://en.wikipedia.org/w/index.php?title=W46CF&amp;action=edit&amp;redlink=1" style="color: rgb(204, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; " title="W46CF (page does not exist)">W46CF</a>&nbsp;(Channel 45; Tuscumbia, AL; Owner: WMTY Incorporated (William Pete Nichols)</li>
</ol>
<h4 style="font-weight: bold; "><span class="mw-headline" id="Past_Television_Stations">Past Television Stations</span></h4>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li><a href="http://en.wikipedia.org/wiki/WYLE" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="WYLE">WYLE</a>&nbsp;(Channel 26; Florence, AL; Owner: ETC COMMUNICATIONS INC.)</li>
</ul>
<h2 style="font-weight: bold; "><span class="mw-headline" id="References">References</span></h2>
<div class="references-small" style="font-size: 14px; ">
<ol class="references" style="margin-bottom: 0.5em; ">
<li id="cite_note-0"><b><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-0" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">^</a></b>&nbsp;<a class="external text" href="http://www.legislature.state.al.us/misc/history/acts_and_journals/Acts_1825/Acts_91-101.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Act 95. &quot;AN ACT to incorporate the town of Florence in the state of Alabama.&quot;</a>Acts Passed at the Seventh Annual Session of the General Assembly of the State of Alabama. 1825. Pages 70-73.</li>
<li id="cite_note-popest-1">^&nbsp;<a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-popest_1-0" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><sup style="line-height: 1em; "><i><b>a</b></i></sup></a>&nbsp;<a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-popest_1-1" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; "><sup style="line-height: 1em; "><i><b>b</b></i></sup></a>&nbsp;<span class="citation web" style="font-style: normal; word-wrap: break-word; "><a class="external text" href="http://www.census.gov/popest/cities/tables/SUB-EST2006-04-01.csv" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">&quot;Annual Estimates of the Population for Incorporated Places in Alabama, Listed Alphabetically: April 1, 2000 to July 1, 2006&quot;</a>(<a href="http://en.wikipedia.org/wiki/Comma-separated_values" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Comma-separated values">CSV</a>).&nbsp;<i>2007 Population Estimates</i>. U.S. Census Bureau, Population Division. June 28, 2007<span class="reference-accessdate">. Retrieved June 28, 2007</span>.</span></li>
<li id="cite_note-GR1-2"><b><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-GR1_2-0" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">^</a></b>&nbsp;<span class="citation web" style="font-style: normal; word-wrap: break-word; "><a class="external text" href="http://www.census.gov/geo/www/gazetteer/gazette.html" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">&quot;US Gazetteer files: 2000 and 1990&quot;</a>.&nbsp;<a href="http://en.wikipedia.org/wiki/United_States_Census_Bureau" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States Census Bureau">United States Census Bureau</a>. 2005-05-03<span class="reference-accessdate">. Retrieved 2008-01-31</span>.</span></li>
<li id="cite_note-GR2-3"><b><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-GR2_3-0" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">^</a></b>&nbsp;<span class="citation web" style="font-style: normal; word-wrap: break-word; "><a class="external text" href="http://factfinder.census.gov/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">&quot;American FactFinder&quot;</a>.&nbsp;<a href="http://en.wikipedia.org/wiki/United_States_Census_Bureau" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="United States Census Bureau">United States Census Bureau</a><span class="reference-accessdate">. Retrieved 2008-01-31</span>.</span></li>
<li id="cite_note-4"><b><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-4" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">^</a></b>&nbsp;<a class="external text" href="http://www.nostalgiaville.com/travel/Alabama/florence/florence%20al.htm" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Florence Alabama 03/29/03</a></li>
<li id="cite_note-5"><b><a href="http://en.wikipedia.org/w/index.php?title=Florence,_Alabama&amp;printable=yes#cite_ref-5" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">^</a></b>&nbsp;&quot;NYT Sells Times Daily.&quot; TimesDaily. Wednesday, March 25, 2009.&nbsp;<a class="external free" href="http://www.timesdaily.com/article/20090325/ARTICLES/903255029" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">http://www.timesdaily.com/article/20090325/ARTICLES/903255029</a></li>
</ol></div>
<h2 style="font-weight: bold; "><span class="mw-headline" id="External_links">External links</span></h2>
<ul style="list-style-type: square; margin-bottom: 0.5em; ">
<li><a class="external text" href="http://www.florenceal.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">City of Florence, Alabama</a></li>
<li><a class="external text" href="http://www.visitflorenceal.com/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Florence Lauderdale Tourism</a></li>
<li><a class="external text" href="http://www.flpl.org/" rel="nofollow" style="color: inherit !important; background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: inherit !important; background-position: initial initial; background-repeat: initial initial; ">Florence-Lauderdale Public Library</a></li>
</ul>
<div class="printfooter">Retrieved from &quot;<a href="http://en.wikipedia.org/wiki/Florence,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">http://en.wikipedia.org/wiki/Florence,_Alabama</a>&quot;</div>
<div class="catlinks" id="catlinks">
<div id="mw-normal-catlinks"><a href="http://en.wikipedia.org/wiki/Special:Categories" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Special:Categories">Categories</a>:&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:Cities_in_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:Cities in Alabama">Cities in Alabama</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:Lauderdale_County,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:Lauderdale County, Alabama">Lauderdale County, Alabama</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:Florence_%E2%80%93_Muscle_Shoals_metropolitan_area" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:Florence – Muscle Shoals metropolitan area">Florence &ndash; Muscle Shoals metropolitan area</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:Florence,_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:Florence, Alabama">Florence, Alabama</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:County_seats_in_Alabama" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:County seats in Alabama">County seats in Alabama</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:Populated_places_established_in_1818" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:Populated places established in 1818">Populated places established in 1818</a></span>&nbsp;|&nbsp;<span dir="ltr"><a href="http://en.wikipedia.org/wiki/Category:University_towns_in_the_United_States" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Category:University towns in the United States">University towns in the United States</a></span></div>
</p></div>
<div class="visualClear">&nbsp;</div>
</p></div>
</p></div>
<div id="footer" style="background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: white; color: black; border-top-width: 1px; border-top-style: solid; border-top-color: black; background-position: initial initial; background-repeat: initial initial; ">
<ul id="footer-info" style="list-style-type: square; ">
<li id="footer-info-lastmod">This page was last modified on 25 June 2010 at 23:05.</li>
<li id="footer-info-copyright">Text is available under the&nbsp;<a href="http://en.wikipedia.org/wiki/Wikipedia:Text_of_Creative_Commons_Attribution-ShareAlike_3.0_Unported_License" rel="license" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">Creative Commons Attribution-ShareAlike License</a>; additional terms may apply. See&nbsp;<a href="http://wikimediafoundation.org/wiki/Terms_of_Use" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">Terms of Use</a>&nbsp;for details.<br />
				Wikipedia&reg; is a registered trademark of the&nbsp;<a href="http://www.wikimediafoundation.org/" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; ">Wikimedia Foundation, Inc.</a>, a non-profit organization.</li>
</ul>
<ul id="footer-places" style="list-style-type: square; ">
<li><a href="http://wikimediafoundation.org/wiki/Privacy_policy" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="wikimedia:Privacy policy">Privacy policy</a></li>
<li><a href="http://en.wikipedia.org/wiki/Wikipedia:About" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wikipedia:About">About Wikipedia</a></li>
<li><a href="http://en.wikipedia.org/wiki/Wikipedia:General_disclaimer" style="color: rgb(85, 34, 0); background-image: initial; background-attachment: initial; background-origin: initial; background-clip: initial; background-color: transparent; padding-top: 0px !important; padding-right: 0px !important; padding-bottom: 0px !important; padding-left: 0px !important; text-decoration: underline; background-position: initial initial; background-repeat: initial initial; " title="Wikipedia:General disclaimer">Disclaimers</a></li>
</ul>
<p>Thank you for visiting Florence AL Homes for Sale!</p>
</p></div>
</div>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/city-of-florence-al/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Homeowners Insurance Basics</title>
		<link>http://florencealhomesforsale.com/homeowners-insurance-basics/</link>
		<comments>http://florencealhomesforsale.com/homeowners-insurance-basics/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 20:51:35 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=66</guid>
		<description><![CDATA[The Basics of Homeowners Insurance by Brandon Cornett Summary: This article gives a basic overview of homeowners insurance and is intended for first-time home buyers who are new to the subject. Are you planning to buy your first home in the near future? If so, you should reading up on homeowners insurance as well. Your [...]]]></description>
			<content:encoded><![CDATA[<p><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><span class="Apple-style-span" style="color: rgb(34, 34, 34); font-family: Arial, Verdana, sans-serif; line-height: normal; font-size: 12px; "><a href="http://florencealhomesforsale.com/wp-content/uploads/2010/06/sidephoto4.jpg"><img alt="homesforsale" class="alignleft size-thumbnail wp-image-68" height="150" src="http://florencealhomesforsale.com/wp-content/uploads/2010/06/sidephoto4-150x150.jpg" title="Homeowners" width="150" /></a></span>The Basics of Homeowners Insurance</span></p>
<div class="postheader" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">by Brandon Cornett</em></span></p>
</div>
<div class="postcontent" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 17px; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">Summary: This article gives a basic overview of homeowners insurance and is intended for first-time home buyers who are new to the subject.</em></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Are you planning to buy your first home in the near future? If so, you should reading up on homeowners insurance as well. Your mortgage lender will require you to have a home insurance policy prior to closing day. In fact, you&rsquo;ll probably have to bring the policy with you when you close on the home.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">This is one of the many things a first-time home buyer should know about homeowners insurance. Here are ten more things you should know&hellip;</span></p>
<h2 style="margin-top: 17px; margin-right: 0px; margin-bottom: 6px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 4px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 1px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 15px; font-family: Verdana, sans-serif; vertical-align: baseline; color: rgb(82, 82, 82); border-bottom-style: dotted; border-bottom-color: silver; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">What to Know About Homeowners Insurance</span></h2>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Getting a homeowners insurance policy is harder today than it was a few years ago. Our economic recession has had a lot to do with this. Everything is harder to get these days &mdash; mortgage loans, car loans, insurance coverage, etc. So you may have to shop around to get the kind of coverage you want, and you should definitely get multiple quotes to compare the cost from one provider to the next.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">A couple of definitions you should know: The homeowners insurance&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; "><strong style="font-weight: bold; ">premium</strong></em>&nbsp;is the amount you pay for coverage. The&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; "><strong style="font-weight: bold; ">deductible</strong></em>&nbsp;is what you will pay in the event of a claim, before the insurance company will pay the rest.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Premiums and deductibles generally have an inverse relationship. That is, you can lower your premium by raising your deductible. This is a strategy recommended by many in the finance industry. The Insurance Information Institute says that &ldquo;If you can afford to raise your deductible to $1,000, you may save as much as 25 percent [on your premiums].&rdquo;</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">In the U.S., the average cost of a homeowners insurance policy is around $800 per year. This is for the premium. The deductible varies from one policy to another and can be raised or lowered by the homeowner.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Most homeowners insurance policies do&nbsp;<strong style="font-weight: bold; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">not</em></strong>&nbsp;cover floods. So if you live in an area that&rsquo;s prone to flooding, you should get a separate policy (or an add-on) for flood insurance. Visit&nbsp;<a href="http://www.floodsmart.gov/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">Floodsmart.gov</a>&nbsp;to learn more about this kind of coverage.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">When choosing a policy, you will probably have to choose between&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; "><strong style="font-weight: bold; ">replacement cost</strong></em>&nbsp;and&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; "><strong style="font-weight: bold; ">actual cash value</strong></em>. These terms relate to the contents of your home, but they are two different things. Replacement cost coverage gives you more protection than cash value, because it covers the cost of replacing items even if they cost more than when you bought them (appreciation). Cash value only covers items up to the amount you paid.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">You can get quotes for a homeowners insurance policy online, which will save you plenty of time and energy. This is also a great way to compare policies of multiple insurance companies at once.</span></p>
<h2 style="margin-top: 17px; margin-right: 0px; margin-bottom: 6px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 4px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 1px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 15px; font-family: Verdana, sans-serif; vertical-align: baseline; color: rgb(82, 82, 82); border-bottom-style: dotted; border-bottom-color: silver; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Learn the Basics and Shop Wisely</span></h2>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">These are the basics of homeowners insurance policies. There is certainly more to know about this subject, but the information presented above will give you a good foundation of knowledge. To continue your research, you might want to visit one (or more) of the following websites:</span></p>
<ul style="margin-top: 0px; margin-right: 1.5em; margin-bottom: 1.5em; margin-left: 1.5em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 15px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; list-style-type: disc; ">
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">www.insureme.com</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">www.iii.org</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">www.homebuyinginstitute.com</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">www.farmers.com</span></li>
</ul>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">I hope this article helps you understand the basics of home insurance, and I wish you well in your home buying process. Good luck!</span></p>
</div>
<div class="posttags" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; color: rgb(149, 149, 149); clear: both; text-align: right; ">&nbsp;</div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">Author&#39;s Note:</strong>&nbsp;The original version of this article was written by Brandon Cornett. Brandon is a consumer advocate and publisher of the Home Buying Institute. Visit the author&#39;s website at<a href="http://www.homebuyinginstitute.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.HomeBuyingInstitute.com</a>&nbsp;to learn more.</span></p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/homeowners-insurance-basics/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First Steps of Home Buying</title>
		<link>http://florencealhomesforsale.com/first-steps-of-home-buying/</link>
		<comments>http://florencealhomesforsale.com/first-steps-of-home-buying/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 02:18:01 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Home Buying Tips]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=62</guid>
		<description><![CDATA[&#160; The First Steps of the Home Buying Process by Brandon Cornett Entire books have been written about the process of buying a home. But the initial steps in the process are the most important of all. This is when many first-time buyers make costly mistakes that come back to haunt them. So in this [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<div class="postheader" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; ">
<div class="posttitle" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 20px; ">
<h1 style="margin-top: 8px; margin-right: 0px; margin-bottom: 8px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 19px; font-family: 'Trebuchet MS', Verdana, Arial, Helvetica, sans-serif; vertical-align: baseline; color: rgb(17, 17, 17); line-height: 25px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.adviceforagents.com/the-first-steps-of-the-home-buying-process/" rel="bookmark" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 19px; font-family: inherit; vertical-align: baseline; color: rgb(68, 68, 68); text-decoration: none; " title="The First Steps of the Home Buying Process">The First Steps of the Home Buying Process</a></span></h1>
</p></div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">by Brandon Cornett</em></span></p>
</div>
<div class="postcontent" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 17px; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Entire books have been written about the process of buying a home. But the initial steps in the process are the most important of all. This is when many first-time buyers make costly mistakes that come back to haunt them. So in this article, I&rsquo;d like to focus on the&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">initial</em>&nbsp;steps you should take when buying a home &mdash; and how to do them right.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Establishing a budget. Checking your credit. Getting pre-approved for a mortgage loan. These are three of the most important steps during the first phase of the home buying process. Here&rsquo;s how to navigate them.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">1. Establishing a Home Buying Budget</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">&ldquo;I don&rsquo;t know how much I can afford to pay for a house, so I&rsquo;ll just let the mortgage lender tell me. That&rsquo;s what they do, right?&rdquo; Wrong! A lender can only tell you the maximum amount they will lend you. But that amount might actually exceed the amount you can afford to pay. In other words, mortgage approval does not equal affordability. People often get approved for mortgage loans that are too big for them, and it&rsquo;s the leading cause of home foreclosure in the United States. So before you start talking to lenders or filling out mortgage applications, you need to determine your home buying budget.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Setting a budget is easier than you might think. First, add up all of your monthly expenses (excluding your rent, which will go away when you buy a home). Be sure to include all of your monthly expenses, including the money you put toward savings, entertainment, groceries and bills. Next, subtract this monthly expense total from your net monthly income. This will give you an idea of how much you can afford to pay toward a mortgage each month. Do not exceed this amount &mdash; no matter what a mortgage lender might tell you.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">2. Check Your Credit Reports and Scores</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">When you apply for a home loan, the lender will examine your financial background from all angles. Your credit score is at the top of the list. A high score will help you get approved for a loan with a good interest rate. A low score will hurt your chances of getting approved. There are things you can do to improve your credit score, but it all starts with finding out what your score is to begin with.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Request your credit reports from all three of the reporting bureaus: TransUnion, Experian and Equifax). You can do this for free by visiting AnnualCreditReport.com. Make sure there are no errors within your reports. If you find any mistakes, request a correction through the company&rsquo;s website (the one that produced the erroneous report). You also need to check your credit scores, which are based on the information contained in your reports. You&rsquo;ll have to pay a small fee to get your scores, but it&rsquo;s important to check them. If your score is above 720, you&rsquo;ll probably have no trouble getting a mortgage loan. If your score is below 700, you should focus your efforts on improving it. You can learn how to do this by visiting the MyFICO.com website.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">3. Get Pre-approved for a Mortgage Loan</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">In step #1 above, we talked about setting a home buying budget for yourself. After you do that, you need to find out how much a lender is willing to give you. This is called pre-approval, and it&rsquo;s an important first step in the home buying process. During pre-approval, a mortgage lender will review your financial situation and tell you the maximum amount they are willing to lend you. This will help you limit your search to homes you can afford to buy. Sellers will also take you more seriously if you have a pre-approval letter, because it shows them you&rsquo;re capable of buying the home.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">If you start your home buying process with the three steps listed above, you&rsquo;ll be on the path to success. On the other hand, if you ignore one or more of these steps, you could have some unpleasant surprises and delays down the road.</span></p>
</div>
<div class="posttags" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; color: rgb(149, 149, 149); clear: both; text-align: right; ">&nbsp;</div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">&copy; 2010, Cornett Communications.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">Author&#39;s Note:</strong>&nbsp;The original version of this article was written by Brandon Cornett. Brandon is a consumer advocate and publisher of the Home Buying Institute. Visit the author&#39;s website at<a href="http://www.homebuyinginstitute.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.HomeBuyingInstitute.com</a>&nbsp;to learn more.</span></p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/first-steps-of-home-buying/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Equity Loan Scams</title>
		<link>http://florencealhomesforsale.com/home-equity-loan-scams/</link>
		<comments>http://florencealhomesforsale.com/home-equity-loan-scams/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 02:16:44 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Home Buying Tips]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=59</guid>
		<description><![CDATA[&#160; Home Equity Loans &#8211; 3 Common Scams to Avoid by Brandon Cornett Home equity loans remain one of the most popular financing tools among homeowners. It can give you quick access to cash by leveraging the equity (or ownership) you have in your home. It can be an effective way to finance a home [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<div class="postheader" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; ">
<div class="posttitle" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 20px; ">
<h1 style="margin-top: 8px; margin-right: 0px; margin-bottom: 8px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 19px; font-family: 'Trebuchet MS', Verdana, Arial, Helvetica, sans-serif; vertical-align: baseline; color: rgb(17, 17, 17); line-height: 25px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.adviceforagents.com/home-equity-loan-scams/" rel="bookmark" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 19px; font-family: inherit; vertical-align: baseline; color: rgb(68, 68, 68); text-decoration: none; " title="Home Equity Loans - 3 Common Scams to Avoid">Home Equity Loans &#8211; 3 Common Scams to Avoid</a></span></h1>
</p></div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">by Brandon Cornett</em></span></p>
</div>
<div class="postcontent" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 17px; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Home equity loans remain one of the most popular financing tools among homeowners. It can give you quick access to cash by leveraging the equity (or ownership) you have in your home. It can be an effective way to finance a home renovation, education costs, or even a second home.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">But these loans also get a lot of homeowners into trouble each year, and in the worst-case scenarios they can even result in foreclosure and loss of the home. On top of that, there are some common scams associated with equity loans and lines of credit. The Federal Trade Commission (FTC) is constantly tracking the latest scams and warning homeowners about them. Here&rsquo;s a summary of some of the more common scenarios you should watch out for&hellip;</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">1. Equity Stripping</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">In this scenario, the lender will actually help you &ldquo;pad&rdquo; your stated income on the loan application form in order to qualify you for the loan. &ldquo;Why would they do such a thing?&rdquo; you might ask. Predatory lenders use this tactic because they don&rsquo;t care about your actual ability to make the payments &mdash; they will simply foreclose on your house and benefit from the equity you&rsquo;ve built up over the years.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">If your income is outside of certain parameters, but the lender says &ldquo;we can make that work,&rdquo; you should already be on your guard. That&rsquo;s red flag #1. If they try to persuade you that you can make payments that seem out of reach, you have another warning sign. You&rsquo;re the only person who should be making decisions about your ability to pay back a loan!</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">2. The Helpful Contractor Scam</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">This scenario usually starts with a home improvement contractor (such as a roofer) who knocks on the door of homeowners to offer their services. Many of the homeowners will say, &ldquo;Sorry, but that kind of project is not in our budget right now.&rdquo; The contractor will counter this by saying he works with a lender who can help offset the cost. Long story short &mdash; the homeowner signs some papers that turn out to be a home equity loan.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">This scam is not as common as it once was. But it still happens on a regular basis all across America, so it&rsquo;s worth mentioning in our list. Unfortunately, as with many scams, the elderly are often the target with this approach.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">The first thing you need to realize is that a reputable contractor will rarely practice door-to-door marketing. That&rsquo;s the first red flag. Additionally, a contractor should never refer you to a third-party lender &mdash; it&rsquo;s a conflict of interest. That&rsquo;s the second red flag.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">3. Loan &ldquo;Stacking&rdquo; or Flipping</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">I refer to this scam as &ldquo;loan stacking,&rdquo; because that&rsquo;s what takes place. The more common term for it is &ldquo;loan flipping.&rdquo; Regardless of what you call it, the scenario goes like this. The lender will offer the homeowner a second equity loan after the homeowner has already received a first one (and made a few payments on it). Basically, the lender refinances the initial loan to grant the homeowner additional money.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">In some cases, this will happen more than once. And with each new round of financing, the rates typically get higher and the fees larger. The borrower now has even more money to use for whatever prompted the first equity loan &mdash; but they also have a lot more debt spread out over a longer period of time. Homeowners who fall prey to this scam often get in over their heads with all the fees that stack up on them. It&rsquo;s a good way to lose your home.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">There Are Some Trustworthy Lenders</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">I don&rsquo;t mean to scare you away from the equity loan as a source of financing. On the contrary, it can be a useful tool for a responsible borrower, and there are plenty of reputable lenders that will offer you fair terms and treatment. I&rsquo;m simply trying to warn you about the common scams that go along with these types of loans.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">My advice is to use a lender you&rsquo;ve heard of before, a company who has been around for a long time and has a reputation at stake. Be a smart consumer when pursuing such a program. Do plenty of research and let common sense guide you.</span></p>
</div>
<div class="posttags" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; color: rgb(149, 149, 149); clear: both; text-align: right; ">&nbsp;</div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">&copy; 2010, Cornett Communications.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">Author&#39;s Note:</strong>&nbsp;The original version of this article was written by Brandon Cornett. Brandon is a consumer advocate and publisher of the Home Buying Institute. Visit the author&#39;s website at<a href="http://www.homebuyinginstitute.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.HomeBuyingInstitute.com</a>&nbsp;to learn more.</span></p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/home-equity-loan-scams/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Best Credit Score Sites</title>
		<link>http://florencealhomesforsale.com/5-best-credit-score-sites/</link>
		<comments>http://florencealhomesforsale.com/5-best-credit-score-sites/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 02:15:40 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Home Buying Tips]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=57</guid>
		<description><![CDATA[&#160; For Home Buyers: 5 Best Websites for Credit Score Information by Brandon Cornett If you&#8217;re planning to buy a home in the near future, you should know your FICO credit score. In fact, your credit score is one of the&#160;three most important&#160;factors considered by mortgage lenders (along with your debt and income levels). If [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<div class="postheader" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; ">
<div class="posttitle" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 20px; ">
<h1 style="margin-top: 8px; margin-right: 0px; margin-bottom: 8px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 19px; font-family: 'Trebuchet MS', Verdana, Arial, Helvetica, sans-serif; vertical-align: baseline; color: rgb(17, 17, 17); line-height: 25px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.adviceforagents.com/websites-for-credit-score-information/" rel="bookmark" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 19px; font-family: inherit; vertical-align: baseline; color: rgb(68, 68, 68); text-decoration: none; " title="For Home Buyers: 5 Best Websites for Credit Score Information">For Home Buyers: 5 Best Websites for Credit Score Information</a></span></h1>
</p></div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">by Brandon Cornett</em></span></p>
</div>
<div class="postcontent" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 17px; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">If you&rsquo;re planning to buy a home in the near future, you should know your FICO credit score. In fact, your credit score is one of the&nbsp;<strong style="font-weight: bold; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">three most important</em></strong>&nbsp;factors considered by mortgage lenders (along with your debt and income levels). If your score is high, you&rsquo;ll have a much better chance of getting approved for a loan. You&rsquo;ll also qualify for a better interest rate, which could save you thousands of dollars over the life of the loan.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">It&rsquo;s important to check your FICO score early on in the home-buying process, because it takes time to improve a low score. While you&rsquo;re entitled to a free credit report per year, you&rsquo;ll have to pay a small fee for the credit score. They are two different things. You can purchase your score from MyFICO.com &mdash; this is the company that actually designed the FICO scoring model.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">But what if you check your score and find out that it&rsquo;s low? You could qualify for certain types of loans with a score in 600 range, but you&rsquo;ll be much better off in the mid- to upper-700 range. The question now becomes:&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">How do I Improve my score?</em>&nbsp;And that brings us to the purpose of this article.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">5 Good Sources of Credit Information</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Here are five websites worth visiting, if you want to learn more about your credit reports and scores:</span></p>
<ol style="margin-top: 0px; margin-right: 1.5em; margin-bottom: 1.5em; margin-left: 1.5em; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 15px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; list-style-type: decimal; ">
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.myfico.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.myfico.com</a>&nbsp;&mdash; We touched on this website earlier. This site is owned by the Fair Isaac Corporation, the company that created the credit-scoring model used by most lenders. They have plenty of educational articles, as well as a forum where you can post questions. It&rsquo;s well worth a visit.</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.homebuyinginstitute.com/credit.php" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.homebuyinginstitute.com/credit.php</a>&nbsp;&mdash; On this page, you&rsquo;ll find a collection of more than 100 articles relating to consumer credit. This collection was compiled over a two-year period, as readers sent in their questions. If you have a question about credit reports and scores, you&rsquo;ll find the answer on this site.</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="https://www.annualcreditreport.com/cra/index.jsp" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.annualcreditreport.com</a>&nbsp;&mdash; This website is jointly owned by the three credit-reporting companies (TransUnion, Equifax and Experian). This is where you should go to request your free reports. This is the only site that is&nbsp;<em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; "><strong style="font-weight: bold; ">regulated</strong></em>&nbsp;by the Federal Trade Commission.</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.ftc.gov/freereports" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.ftc.gov/freereports</a>&nbsp;&mdash; Why do so many people offer &ldquo;free&rdquo; credit reports, and then try to charge you for stuff? It&rsquo;s a marketing strategy referred to as bundling, and you can learn the truth about it on this website.</span></li>
<li style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.bankrate.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.bankrate.com</a>&nbsp;&mdash; This site is a treasure trove of helpful advice. In addition to credit tips, it explains the mortgage process in great detail. Start with a keyword search, or click on the &ldquo;news and advice&rdquo; link.</span></li>
</ol>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Research is the first step to home-buying success. The five resources listed above will help you get started on the right foot.</span></p>
</div>
<div class="posttags" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; color: rgb(149, 149, 149); clear: both; text-align: right; ">&nbsp;</div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">&copy; 2010, Cornett Communications.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">Author&#39;s Note:</strong>&nbsp;The original version of this article was written by Brandon Cornett. Brandon is a consumer advocate and publisher of the Home Buying Institute. Visit the author&#39;s website at<a href="http://www.homebuyinginstitute.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.HomeBuyingInstitute.com</a>&nbsp;to learn more.</span></p>
<div><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><br />
	</span></div>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/5-best-credit-score-sites/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Keys &#8211; Home Insurance</title>
		<link>http://florencealhomesforsale.com/5-keys-home-insurance/</link>
		<comments>http://florencealhomesforsale.com/5-keys-home-insurance/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 02:14:44 +0000</pubDate>
		<dc:creator>edfavor</dc:creator>
				<category><![CDATA[Home Buying Tips]]></category>

		<guid isPermaLink="false">http://florencealhomesforsale.com/?p=55</guid>
		<description><![CDATA[&#160; 5 Key Concepts of Home Insurance by Brandon Cornett If you plan to buy a home in the near future, you should be researching the various components of homeowners insurance. Why? Because you&#8217;ll need to have a policy in place by the time you close on the house. In fact, your lender will require [...]]]></description>
			<content:encoded><![CDATA[<p>&nbsp;</p>
<div class="postheader" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; ">
<div class="posttitle" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 20px; ">
<h1 style="margin-top: 8px; margin-right: 0px; margin-bottom: 8px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: normal; font-style: inherit; font-size: 19px; font-family: 'Trebuchet MS', Verdana, Arial, Helvetica, sans-serif; vertical-align: baseline; color: rgb(17, 17, 17); line-height: 25px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><a href="http://www.adviceforagents.com/5-key-concepts-of-home-insurance/" rel="bookmark" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 19px; font-family: inherit; vertical-align: baseline; color: rgb(68, 68, 68); text-decoration: none; " title="5 Key Concepts of Home Insurance">5 Key Concepts of Home Insurance</a></span></h1>
</p></div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">by Brandon Cornett</em></span></p>
</div>
<div class="postcontent" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; line-height: 17px; ">
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">If you plan to buy a home in the near future, you should be researching the various components of homeowners insurance. Why? Because you&rsquo;ll need to have a policy in place by the time you close on the house. In fact, your lender will require you to provide proof of insurance on closing day.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">This article offers a solid introduction to the world of homeowners insurance. We will cover several key concepts you need to understand before you start shopping for insurance.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><em style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: italic; font-size: 13px; font-family: inherit; vertical-align: baseline; ">Here are five important things you need to know:</em></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">1. Understanding Premiums and Deductibles</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Here are two key definitions you should know, before we go any further: The home insurance premium is the amount you pay for the policy. The deductible is what you&rsquo;ll have to pay if you ever make a claim against the policy, before the insurance company will pay the rest. If you can keep these two definitions in mind, everything else will make more sense. Let&rsquo;s move on to discuss the relationship between these two things.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">2. Raising the Deductible Can Lower the Premium</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Premiums and deductibles generally have an inverse relationship. This means you can lower your premium (the amount you pay every year) by raising your deductible. A lot of financial experts recommend this very strategy, as way of lowing the overall cost of insurance.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">According to the Insurance Information Institute: &ldquo;If you can afford to raise your deductible to $1,000 [as compared to the standard $500 deductible], you may save as much as 25 percent.&rdquo;</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">3. There are Other Ways to Control Costs</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">So how much does a homeowners insurance policy cost, anyway? In the United States, the average policy costs about $800 per year. This is just for the premium, which is the amount you pay year after year. Deductibles vary from one policy to another, and they can be raised or lowered by the insured party.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">You can lower the cost of coverage by increasing your deductible amount (mentioned earlier), by shopping around for competing offers, and by getting a multi-policy discount from your current insurance company.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">4. Replacement Cost is Better Than Cash Value</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">When you choose a home insurance policy, you will probably be asked to choose between replacement cost and actual cash value (as they pertain to your belongings). Replacement cost offers more protection, because it will replace the items you have lost with comparable items &mdash; even if they are worth more today than when you bought them.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Take a big-screen television, for example. If you lose a model that&rsquo;s ten years old, it&rsquo;s possible that a newer but comparable model will cost hundreds more than what you paid for your older model. Replacement-cost coverage will pay the higher amount. Cash-value coverage will only give you what you paid, ten years ago.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">5. Flood Protection is Extra</strong></span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">Did you know that most homeowners policies do NOT offer flood protection? It&rsquo;s true. So if you live in an area where there&rsquo;s a reasonable risk of flooding, you should get a separate policy or a &ldquo;rider&rdquo; for flood coverage. You can learn more from the federal government&rsquo;s website at&nbsp;<a href="http://www.floodsmart.gov/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">FloodSmart.gov</a>.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 10px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">These are the most important concepts to keep in mind when shopping for homeowners insurance. Obviously, there is more to the picture than what is discussed in this article. But if you keep these concepts in mind, you&rsquo;ll have a much easier time choosing a policy.</span></p>
</div>
<div class="posttags" style="margin-top: 20px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 11px; font-family: inherit; vertical-align: baseline; color: rgb(149, 149, 149); clear: both; text-align: right; ">&nbsp;</div>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; ">&copy; 2010, Cornett Communications.</span></p>
<p style="margin-top: 17px; margin-right: 0px; margin-bottom: 18px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; line-height: 18px; "><span class="Apple-style-span" style="color: rgb(82, 82, 82); font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 11px; line-height: 16px; "><strong style="font-weight: bold; ">Author&#39;s Note:</strong>&nbsp;The original version of this article was written by Brandon Cornett. Brandon is a consumer advocate and publisher of the Home Buying Institute. Visit the author&#39;s website at<a href="http://www.homebuyinginstitute.com/" style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px; padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; border-top-width: 0px; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-style: initial; border-color: initial; font-weight: inherit; font-style: inherit; font-size: 13px; font-family: inherit; vertical-align: baseline; color: rgb(30, 157, 208); text-decoration: underline; " target="_blank">www.HomeBuyingInstitute.com</a>&nbsp;to learn more.</span></p>
]]></content:encoded>
			<wfw:commentRss>http://florencealhomesforsale.com/5-keys-home-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

<!-- Dynamic page generated in 0.859 seconds. -->
<!-- Cached page generated by WP-Super-Cache on 2012-05-20 02:15:50 -->

