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Is the Foundation of Your Financial Home Solid?

by Terri Hawkins

 

If you had a medical situation keeping you from work, how long could you pay your bills or stay on track for your long-term goals? Medical insurance helps pay the medical bills, but how would you deal with lost income and all of your other bills?

Savings, investments, and even your estate plans are important “floors” and “roofs” for your financial home—but these can easily tumble if you haven’t considered how to protect your income in the event of an accident or illness.

Disability Insurance is a foundational component of solid financial planning, according to Diana Tate, District Sales Coordinator with Aflac. Aflac knows people have bills to pay. So in the event of a medical incident, claims are typically paid within 3-4 days, keeping policyholders on track financially.

One of the biggest wins for people with Aflac protection is that money is paid directly to the policyholders. In other words, Aflac doesn’t coordinate benefits from any other provider. Read: every policyholder gets all the money they are entitled to per their Aflac policy–and it doesn’t matter what medical policy does or doesn’t pay.

Aflac is also a budget friendly option—both for employers and the policyholders. Businesses don’t pay for their employees’ supplemental insurance, but they do help individuals achieve lower rates as part of their company’s group. Also, Aflac clients don’t have to worry about changing costs, as the rates never increase.

Introduce your friends and business owners to Diana for Aflac‘s affordable protection.

 

Did you know 60% of Americans don’t have a financial plan to handle the unexpected? Aflac provides a solid foundation for your financial home, freeing you to spend your energies on important physical and emotional needs in the event of unexpected, challenging times.

Fabulous Team Restoration Gives New Life to a Neglected Executive Home

by Charmaine Blount

Dave Kiddy, owner of Real Estate Investors of the Triad, had a vision. Randy Hopkins, owner of R.S. Hopkins Construction, had a plan. Together they recently partnered on a diamond-in-the-rough restoration project on Hobbs Road in Greensboro, NC.

The whole property was hidden by a forest of trees, shrubs, and weeds. The inside was sadly neglected by the previous home owners. A major facelift was a must!

From the investment aspect of securing the property and the expertise of rehab restoration, this neglected home has become the new shiny gem on the block.

Some would ask “Are You Crazy?” Dave and Randy’s response would be a resounding “NO!” They like to think outside the box. Team Kiddy and Hopkins bring to the table a hassle-free vision for investment restoration projects.

See these before and after pictures. Then call them for YOUR restoration project–big or small!

Hobbs Outside Old Randy Hopkins Dave Kiddy

Are you considering a Reverse Mortgage?

by Charmaine Blount

Are you considering a Reverse Mortgage?

The Bynum Law Firm, PLLC is a full-service law firm. While primary areas of practice are Real Estate Transactions and Family Law, The Bynum Law Firm takes pride to fully educate their clients.

When consulting with a client who is seeking legal counsel, Christie Bynum reviews the pros and cons to determine whether a reverse mortgage is a good fit for her clients needs.

Here are some of the qualifications for a reverse mortgage:

  • Both occupants are 65+.
  • Occupants own the home.
  • The home is the clients’ primary residence.
  • The client must discuss the program with an independent counselor (approved by the Department of Housing and Urban Development [HUD] and from a HUD-approved agency).

Pros

  • Homeowner may reside in the home without making a monthly mortgage payment.
  • Homeowner may receive funds in a lump-sum payment or a line of credit along with other options.
  • Proceeds are tax free.
  • Estate heirs inherit any remaining equity after reverse mortgage is paid.
  • Funds may be used for anything you choose (i.e., home repairs, in-home care, purchase of a second home, vacation, etc.)

 Cons

  • Not recommended if a spouse is younger than 65
  • Homeowner cannot budget taxes and insurance.
  • Fees can be higher than a traditional loan.
  • Value of estate inheritances may decrease over time.

*PLUS GET YOUR CLOSING ON LOCATION! –  If you are unable to travel to their office, they can travel to the location most convenient for you, such as your realtor’s office, lender’s office, place of employment, etc. They travel to any location within Guilford and Forsyth Counties.

Attorney Bynum is committed to providing all clients with personal attention and dedication that their case deserves. Contact The Bynum Law Firm today for a consultation!

Worry Less! Live More!

by Shelby Kernodle

WORRY LESS! LIVE MORE!
Karen Anderson with Legal Shield wants to help YOU do just that!

DID YOU KNOW…..
“In 2013, 13.1 million people had their identity stolen, which resulted in $18 billion in financial loss.”

Identity theft comes in many forms:

  • Government Benefits Fraud
  • Credit Card Fraud
  • Phone or Utility Fraud
  • Bank Fraud
  • Loan Fraud
  • Employment Fraud

Identify Theft affects millions of Americans each year. There are a number of ways that identity thieves can gain access to your data. The list ranges from digging through your trash to creating elaborate, fake websites to trick you into giving your information to them directly.

The most recent SCAM is a delivery to your door with beautiful flowers and the deliverer asking for a debit card to process a small fee for the bottle of wine to be shipped to you very shortly!

Legal Shield offers 2 high-quality identity theft plans to help protect and restore your identity.

You only have ONE identity! Protect it with Legal Shield so you can Worry Less & Live More!

From Big Jobs to Small Ones: Making Your Home Beautiful

by Shelby Kernodle

Are you a Do-It-Yourself decorator but need help getting started?
Are you getting ready to remodel but need some direction?
Are you paralyzed by design indecision and need professional service?
Maria Adams at IDS by Maria has a passion for creating spaces that YOU love!!!

IDS offers a full spectrum of design services:
• Full-Service Interior Design
• DIY Design Plans
• Kitchen/Bath Remodels & Renovations
• Room Additions & Basement/Bonus Room Finishing
• New Construction Planning & Design
• Custom Window Treatments & Custom Bedding
• Shopping Excursions to Retail Outlets & Manufacturer Showrooms
IDS by Maria doesn’t just make your home LOOK amazing. She makes it FEEL amazing from Luxury Living to the Divine Dining!!

Contact IDS by Maria today for a $50 off the regular consultation fee of $199!!!

Loans for Heroes

by Terri Hawkins

Our local PBL Loan Hero and Military Vet, John Passmore, Branch Manager for Greensboro’s Gateway Funding, shared some great home mortgage savings for heroes.

In addition to all the personal mortgage services John and his professional team provide, including First-Time Buyer Assistance, they can help heroes to realize an additional $400 off closing costs or a free one-year home warranty (worth $450)!  This program is a meaningful, tangible way to thank those who are serving or have served our country and communities.

Workforce heroes include:

  •  Military Personnel
  • Firefighters
  • Police Officers
  • Public Safety Officers
  • Educators
  • Health Care Workers

Know of a workforce hero? A first-time home buyer? ANYONE looking to buy a home? Introduce them to John and his team to learn more BEFORE they start shopping for their first or next home.

It’s Not Magic…It’s Allicadabra!

by Terri Hawkins

Alli McVann, owner and organizer extraordinaire of Allicadabra, has a diverse background in missile defense systems with the USAF, as a set-dresser in Hollywood, and as a real estate mogul. One thing is true no matter what she does… she has an obvious passion for people.

As an organizer, she makes calm spaces out of chaos and clutter. With her relocation services, Alli greatly minimizes the inherent stress of moving, from prep to extreme labeling of boxes to ready-to-live-in setup of a new home.

For families and friends going through difficult times or loss of loved ones, she quickly and efficiently assists, while gently nudging them forward. She even provides personal assistance with pet care, household, and corporate services to help clients reduce stress.

So if you find yourself wishing for:

  • An organized room (kitchen, closet, garage, office, bedroom, bathroom, etc.)
  • More space for what’s important
  • Time to pursue what you really want to do
  • Someone you can trust to delegate your to-do list
  • Pain-free relocating

… then call Alli and let her wave her magic wand to get it all done for you!

Also, as you tell your friends about Allicadabra, your connections in Real Estate, Human Resources, Pastoral care, and even Funeral Directors would be great introductions.


What holds you back from doing what you really want to do?

Manage Your Investment Properties with Ease

by Shelby Kernodle
If you are tired of managing your own investment properties and dealing with the marketing, leasing, maintenance, legal issues, and collections , give Brent Morris with Real Property Management of the Triad a call!

Here are just a FEW reasons why owners trust Real Property Management of the Triad with their properties:

  • Cost-effective pricing
  • Cost-effective maintenance
  • Local experience
  • Shorter vacancies

RPM of the Triad best serves people who have had their home on the market without selling, people who inherit a property they don’t want to deal with, and people who want to have rental income without all of the hassle.
RPM of the Triad has managed over 500 rental units and they are mainly focused in Guilford & Forsyth Counties.
So…listen up Property Investors! You have a few options!
1. Choose to go it alone and handle the properties yourself.
2. Hire people to help.
3. Hire RPM of the Triad to manage it for you!
Call Brent Morris with RPM of the Triad to get information with no obligation at 336-355-6677 or go online and visit his website for more details!

Massage Does More Than Reduce Stress

by Shelby Kernodle

 

Do you work at a computer all day? Are you a dental assistant? A hair stylist? If your work requires a lot of repetitive motion or results in poor posture, targeted massage will help loosen those stiff areas and encourage better posture.

Dee Manieri at The Nurtured Body is trained and certified in medical massage, oncology massage, pre-natal massage, and relaxation massage.

A good massage can also help:

  • Increase your range of motion
  • Improve posture
  • Eliminate fatigue
  • Decrease inflammation after an injury or surgery
  • Reduce stress
  • Enhance your sense of balance and well-being

Call The Nurtured Body today to schedule your appointment!

Peace of Mind — No Matter What You Communicate

by Shelby Kernodle

Every customer communication is essential to your business success. That’s why it pays to hire a writer — or at least a proofreader– for your business communication needs.

Whether it’s your website, brochure, business card, social media or just a customer letter, what you say–and how you say it–is important. The wording on your social media page or on your advertisement is a reflection of YOU. Don’t be embarrassed by a misused word or incorrect punctuation in your writing. Call Nikki Corbett with Precise Creative where Every Word Counts!

How can Nikki help?

  • Client Communication
  • Proofreading
  • Editing
  • Writing
  • Social Media Management

Who can Nikki help?

  • Businesses
  • Nonprofits
  • Writers
  • Undergraduate & Graduate Students

Nikki has a passion for writing. She has previously worked as both a journalist and an editor. If you want the peace of mind in knowing that you are using the write (I mean, right) words, spelling, and punctuation, give Nikki Corbett with Precise Creative a call or visit her website!

P.S. And did you know that using two spaces after a period is a thing of the past? That’s right! No more two spacebar clicks after typing that sentence, only one!