21 Sep 2017

6 Questions asked and answered about life insurance

Life insurance. Yeah, your eyes glaze over and you start checking your Instagram just at the mention of it. But keep your attention here for just a few moments and I promise it won’t be painful. Life insurance is something that takes care of your loved ones, plain and simple. And that’s something we can all make a little time for, isn’t it? And actually, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA, 1 in 3 households would have immediate trouble paying living expenses if the primary wage earner died. And, the study also found that 40% of respondents had not bought life insurance or more of it because they were unsure of how much or what...
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14 Sep 2017

Buying a home? Learn about your down payment options now

If you’re in the market to buy your first home, you’ve likely heard about the down payment you’ll be required to come to the table with. If, upon hearing this, your first thought was to plot a scheme to rob the nearest bank, don’t do that— I hear that’s frowned upon in many social circles. Instead, why don’t you take a breath and read through your options. Because you’ve certainly got options, and lots of them, when it comes to down payments. Conventional loans Available through Fannie Mae and Freddie Mac, these government-backed loans offer borrowers some pretty appealing mortgage options. Qualified buyers can purchase a home with as little as 3 percent down thanks to the good folks at Fannie...
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13 Sep 2017

Keeping it real

When Randy Clift was first introduced to the guitar by his friend's father, he thought the instrument was bulky and ugly. But the tone was "awesome," and young Randy was hooked. Today, Randy, an award-winning Allen Tate Realtor® in the company's Charlotte-Center City office, balances his professional life between helping buyers and sellers and performing as a recording artist with his band, Randy Paul & The Revelry. Randy was only about 9 or 10 when he started taking guitar lessons at a local music school. He remembers his first student recital – and his fellow performer, Taylor Hawkins, now the drummer for the rock band Foo Fighters. In 7th grade, he played his first show for money. "I had to obtain a fake ID...
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