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5 Cheap Date Ideas For Valentine’s Day

According to the National Retail Federation’s 2016 Valentine’s Day consumer survey conducted by Prosper Insights and Analytics, 54.8 percent of consumers will celebrate Valentine’s Day.   If your family is running tight on a budget this year, how will you be able to take your date out and still make it a very special day?   Sometimes the word “cheap” means that it won’t necessarily be good.   However, with these smart money moves you’ll be sure to warm your partner’s heart. Sunday Brunch vs. Saturday Dinner- Technically, Valentine’s Day falls on a Sunday this year.  This gives you even more reason to do a special brunch instead of an expensive Saturday night dinner.  While Canoe is one of my favorite places for brunch in the city (I’ll be there on Valentine’s Day), there are so many hot and trendy spots in the city that you can try. Netflix Binging-  I suppose you could binge watch almost any program that you have stored ...

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Why a Prenup Needs to Include Debt

My team is extremely fortunate to get to work with so many successful Generation Xers.  Many of them have done phenomenally well in their careers, and then begin considering marriage at a much later stage in life toward their late 30s to early 40s. This often brings up the question when we do financial planning with them about whether or not it is a good idea to get a prenuptial agreement. There are pros and cons to getting this type of agreement, but the one important item many couples do not remember to put in these agreements when they execute them is what will happen with the debt. Most couples remember to talk about the bank accounts, the retirement accounts, the family inheritances, the real estate, and the closely held businesses.  However, most people assume that all prenuptial agreements are only dealing with people who have significant wealth.  What happens when a couple gets married and you still have outstanding ...

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Heads Or Tails On The New “Coin” Card?

It’s truly amazing about how fast a new product, app, or service can go viral through social media.  If you haven’t seen the video for new ultimate single credit, debit, and rewards card called “COIN” then you should really check it out!  Here is a link to the main website: www.onlycoin.com.  With all of our wallets looking a little bit more like a George Constanza special, Only Coin attempts to use modern day technology to take multiple cards in your wallet and shrink it down into one singular swipe card.   Will the new “COIN” card come up heads or tails with consumers? Coin has a mobile app that will allow you to add, manage, and sync the cards that you use most in your life to your Coin card.   The process of adding card information to your mobile app is supposed to be very easy according to Coin.  However, as we all know, technology is never as simple at the ...

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Is December The Best Month To Buy A Car In Georgia?

It’s become pretty common knowledge that the end of the year can be one of the better times to go car shopping.   While there is no guarantee that all year end auto dealership sales will affect every single model on the floor, more often than not you can score on a 2013 model while the 2014 models are rolling out on to the floor.  Remember, that dealerships are businesses that need to hit sales goals, so I would encourage you to go toward the latter part of the month (especially at the end of a quarter) and even at the end of the day when the salespeople are motivated to get a deal done.  But why could from now until the end of the December be a great time to specifically buy a car in Georgia? Beginning March 1, 2013 of this year, state and local sales tax no longer apply to the purchase of a motor vehicle (except for ...

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