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Why you should focus on price versus monthly payment when buying a car

Why you should focus on price versus monthly payment when buying a car

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Should you be more concerned with the purchase price or monthly payment when buying a car? Ask ten people and the answers will most likely be split right down the middle. From a financial perspective, however, it’s smarter to negotiate based on the purchase price of the vehicle. The amount of the monthly payment can be sliced and diced any number of ways, but it all adds up to one number in the end.

Why

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How to make Valentine’s Day inexpensive

How to make Valentine’s Day inexpensive

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Valentine’s Day is tomorrow which means now is the time to start scrambling. If you’re anything like a lot of folks, you probably have yet to make plans for your special someone. The problem with putting it off until the day before is that when you start calling restaurants to get a reservation, the only available times are before 5:00 and after 10:00 pm. So what are you left to do? Luckily, you still have …

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Average Wedding Cost Reaches $35k

Average Wedding Cost Reaches $35k

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Thinking about having a wedding soon? Are you prepared for the cost? According to The Knot’s 2016 Real Weddings Study, the average cost of a wedding in the US is $35,329. The study goes on to say that weddings today are less about the bride and groom, and instead are geared more towards entertaining guests. From the venue to food, decorations, and entertainment, couples are providing guests with unforgettable experiences. Don’t let this …

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Todd’s Mortgage Minute: Are you really ready to buy your first home?

Todd’s Mortgage Minute: Are you really ready to buy your first home?

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In the mortgage industry, nothing is more rewarding than helping a client purchase their first home.  The day is met with excitement, enthusiasm, and oftentimes photos to remember the day that someone has started “a new life!”  That day can also be met with anxiety, worry, and wondering, “Did I make the right decision by purchasing this home?” At the end of the day, those of us in the mortgage industry should really be educating …

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Todd’s Mortgage Minute: “How are rates?” Hmmm…

Todd’s Mortgage Minute: “How are rates?” Hmmm…

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I’ve been in lending for almost 20 years and a question I receive from friends, family, and acquaintances alike is often the same, “how are the rates?”  Well, this all depends on many factors, but it is mostly dependent on what YOUR situation is and what YOU’RE  trying to accomplish.

You’d have to have lived under a rock the last couple of years not to know how low rates have been — and not just …

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How Much 20-Somethings Should Save for Retirement

How Much 20-Somethings Should Save for Retirement

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Your 20s may seem like an odd time to think of saving for retirement, but it’s actually the perfect moment to start planning for your later years. That’s because the earlier you start saving, the more time your money has to grow.

Savers who begin setting aside 10% of their earnings at 25, for example, could amass significantly more by retirement age than those who wait just five more years to start saving. You …

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#RiseUp with an Inexpensive Super Bowl Party

#RiseUp with an Inexpensive Super Bowl Party

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Super Bowl LI is coming up this Sunday! With our hometown Atlanta Falcons making it to the Super Bowl for the first time in 18 years, all eyes in Georgia are sure to be watching the big game. If you’re wanting to throw an inexpensive Super Bowl party to watch with your friends, we know it can be hard work and has the potential to get pricey! But don’t worry, we can help you entertain …

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Five things you’ve got to do if you have a credit card

Five things you’ve got to do if you have a credit card

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Establishing and managing good credit is an important responsibility in today’s world. Especially since your credit rating—that 3-digit number that defines your credit worthiness- depends on it. There are several factors that impact your credit rating, one of which is your credit card activity. We’ve come up with five best practices when tempted by the love of plastic money:

1. Watch your credit limit

Did you know that credit card companies start to monitor any …

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Todd’s Mortgage Minute: Pre-Qualification vs Pre-Approval. What’s the difference?

Todd’s Mortgage Minute: Pre-Qualification vs Pre-Approval. What’s the difference?

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Purchasing a home is one of the most important and stressful events you’ll experience in your lifetime. It’s also one of the most exciting. Homeownership offers financial benefits like tax savings and wealth building, but it also offers some social benefits. Homeowners have a stronger sense of belonging and some even say it helps to build a stronger family unit. If you’re ready to take the leap, you’ll need to know exactly where to start.…

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Buying your first car – how the process works

Buying your first car – how the process works

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Purchasing a car can be an intimidating process, especially if you buy into the over-dramatized, stereotypical depiction of car salespeople and dealerships. Here’s the catch, though–it doesn’t have to be. When you’ve done your research, you know what you want, and you’re ready to buy, YOU’RE in the driver’s seat. Here are some steps that will help you effectively manage the car buying process with confidence.

Check your credit score

Before your visit any dealership, …

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