SWGA HOMES 04/01/2018

HOMES albanyherald.com

4C • Sunday, April 1 2018

Southwest Georgia

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ALBANY | AMERICUS | BAINBRIDGE | CORDELE | MOULTRIE | SYLVESTER | TIFTON

SWGA Selling Team ERA All In One Realty Realtors

Jean Shiver 229-347-0221 Jeanshiver@gmail.com 541089-1

Blake Williams 229-560-4068 Blake.Williams@era.com

FEATURE HOME This Week’s

Debbie Fulford

ReMax of Albany Inc. Associate Broker, CRS, ABR

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229-317-4126 - Office 229-343-4200 - Mobile debfulford@gmail.com www.remaxofalbany.com

Allan Willcox Willcox Realty LLC Associate Broker

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229-435-1717 - Office 229-886-2828 - Cell allanwillcox@gmail.com www.willcoxrealty.com

204 SAXTON PLACE, Leesburg, GA MLS # 140172 | $220,000 3 BR | 3 BA | 2170 SF

SWGA

Gated Community Lee County!

3 Bedrooms, 3 Full Baths, Hardwood Floors, Granite Countertops, On A Pond, Double Garage…Call Allan Today!!!

HOMES

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 OPEN HOUSES  YOUR HOMES  HOMES FOR SALE  RENTAL HOMES  MORTGAGE BROKERS  DAILY REAL ESTATE NEWS  CLASSIFIEDS

HOMES Southwest Georgia

• Albany • Americus • Bainbridge • Cordele • Moultrie • Sylvester • Tifton

I

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JAN T. PHILLIPS “YOUR MORTGAGE MADE EASY” 113 North Westover Blvd.

Albany, GA 31707 229.349.7138 jphillips@bankPFB.com NMLS# 658982 540928-1

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Make moving much easier

t should come as no surprise that spring kicks off one of the busiest times of year in the housing market. Warm weather makes it more comfortable to see and display homes, leading to more listings and open houses.

According to the U.S. Census Bureau, the average person in the United States changes residences more than 11 times in his or her lifetime. With each move, the process of moving may become more familiar. But even the most practiced nomad can find moving to be an overwhelming experience.

Those on the cusp of moving and nervous about packing up and leaving can employ a few tricks to make moving much easier.

TOP MORTGAGE BROKERS!

bank PFB.com

(229) 886-2828 allanwillcox@gmail.com www.lakeblackshear.com WILLCOX REALTY COMPANY (229) 435-1717

COURTESY OF MCC

SWGA

NMLS#500174

Allan Willcox

Research areas carefully Buyers are advised to do their research when seeking new towns or cities to call home. There are many factors to consider, including school district ratings, proximity to shopping, distance from work/commute times, availability of transportation, climate, and crime ratings.

Before falling in love with a particular home, potential buyers can visit the area in which the home is

located during a typical weekday to get a feel for the atmosphere. Check out shopping centers, observe the residents and drive by the schools and businesses. This can help paint an accurate picture that may or may not differ from that depicted in the real estate listing.

Stack the deck Working with qualified professionals who have gone through the moving process before can make for easier work for buyers and sellers.

Ask for recommendations regarding real estate companies, real estate attorneys, home inspectors, insurance agents, and all of the other people who will assist with buying, selling and moving. Carefully vet these professionals, relying on third-party reviews as well as any information provided by the Better Business Bureau.

Secure temporary storage It can help to put some belongings into a storage center prior to moving, and then gradually take items from the storage unit to your new home. This will free up space to make repairs to your new home and give you time to figure out decorat-

ing schemes while ensuring clutter won’t get in the way of renovation projects. New homeowners also can take their time sorting through boxes and getting rid of items they may not need in their new homes.

Get estimates and verify licensing The BBB advises consumers to verify all licensing for movers. Solicit at least three in-home estimates and get those figures in writing. Confirm insurance coverage for the company chosen, and be sure to have all agreed upon information spelled out explicitly in a written contract.

Red flags to consider include movers who don’t make on-site inspections for estimates and those who demand payment in advance before the move.

Have a first-week survival kit New homeowners can pick up takeout restaurant menus and premade grocery store meals. In addition, stock up on staples such as paper plates, toilet tissue, light bulbs, and cleaning supplies in advance of the move so you won’t have to unpack everything at mealtime or when you want to clean after arriving at your new home.

albanyherald.com

Sunday, April 1 2018 • 5C

The secrets to being an organized family

COURTESY OF MCC

addition, sort the next day’s clothes before going to bed. Such efforts should make it easier to get out of the house on time each morning.

M

odern families seem to be juggling more than ever before. When time seems to be a luxury, an ability to stay organized can help families manage the hustle and bustle of daily life more effectively.

An online survey conducted by an internal research team on behalf of The Huffington Post polled more than 1,000 American adults in 2013, revealing 84 percent of recently stressed Americans say they worry that their home isn’t clean or organized enough. Within that group, 55 percent cited disorganization at home as a source of recent stress.

Disorganization does not occur overnight, and neither will getting re-organized. But with some motivation, all families can become more orderly.

Manage mornings Families can usually use more help getting out of the house each morning in a timely manner. Each member of the household should have a designated area where they keep the items they will need for the next morning. Backpacks and briefcases should be prepacked, and lunches made the night before. In

An easy way for families to save time and money at the grocery store is to rely on “shop at home” services being offered by many different retailers. “Click-andcollect” programs enable customers to use their computers or mobile devices to stock their virtual grocery carts with items, shop sales or choose items directly from weekly circulars and then pick up the merchandise at their own convenience. Some stores will even load groceries into customers’ vehicles. Other stores pair online shopping with home delivery for even greater convenience.

Shopping from home enables customers to keep a running tally of how much they’re spending so they can better stick to their food budgets. Items can be added or removed from the cart accordingly. Shopping can be done on a person’s downtime, such as on a lunch break, while sitting at kids’ sports practice or even during commutes on public transportation. Picking up the prepackaged groceries later on also can help shoppers avoid making impulse buys. The Food Marketing Institute and Nielsen reports that, in the next 10 years, 70 percent of all American consumers will buy at least some of their groceries online, with millennial shoppers most willing to buy groceries online in the future.

These services marry the convenience of online shopping with the familiarity and brand loyalty of shopping local brickand-mortar stores.

1903 DEVON DRIVE

140 BERKELEY ROAD

1107 N DAVIS

$189,000 WESTWOOD VILLAGE, DOUGHERTY 3BR / 2.5BA 2,316 SQFT New HVAC, windows, hot water heater & plumbing fixtures!

$149,900 BRENTWOOD, LEE COUNTY 3BR / 2BA 1,576 SQFT Fireplace, stainless steel appliances, dbl garage, screened porch & deck.

MLS# 140378

MLS# 140365

WILLIAM JACKSON 344-3029

$114,900 RAWSON CIRCLE, DOUGHERTY 3BR / 3BA 2,810 SQFT Newly refinished hardwood flrs, basement, dbl garage, workshop.

MARK DANIELS 347-3454 MLS# 140395

LIKE NEW!

YOUR BUSINESS BELONGS HERE

ATTENTION BUSINESS OWNERS!

403 HOLLIS DRIVE

US HIGHWAY 19S

2200 S SLAPPEY BLVD

DIANNE BARLOW 886-4777

MIKE FLYNN 376-2361

MLS# 140364

MLS# 140309

$189,000 DOUGHERTY COUNTY 6.35 ACRES Owner financing available, Lease or Lease/Purchase. Centrally located in Albany.

BURTON NEWCOMB 886-1179 MLS# 139483

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2307 Robinhood Rd. Albany, GA

Call Lavonda at

229·881·0818

Sensible storage Analyze what you have and then find sensible storage solutions. Store belongings in the same place each day so items are easy to find when needed.

Frequently used items should be easily accessible. Seldom used items, such as holiday decorations, can be stored out of the way.

DID YOU KNOW?

NEW LISTING!

$59,900 $215,000 RADIUM SPRINGS, DOUGHERTY LEE COUNTY 3BR / 2BA 1,254 SQFT 20.3 ACRE COMMERCIAL LOT Remodeled after 2017 storm! New roof, Located on major 4 lane divided highway!

HVAC, paint, fence & sidewalks!

1200+Ft of Road Frontage!

Embrace the purge Take a hard look at what you use and what you don’t use around the house.

Holding on to items you rarely use can contribute to clutter and create a disorganized home. Save only a few sentimental items, donating, recycling or discarding the others.

Many organizational experts suggest going through items one by one and asking oneself if this is something that has been used recently. If it’s been collecting dust for a year or more, it can go.

It takes commitment and time to get organized. However, life tends to move along much more smoothly in organized homes than homes marked by clutter.

GARDNER’S DREAM!

BONNY DOROUGH 883-6100

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When messes start to creep up, it is probably time to commit to getting more organized.

Sort the entryway Home entryways are usually hubs of traffic. Such areas are the first and last place family members go when entering or leaving the house. As a result, these areas are in need of some routine organizational attention. Use sorting bins for shoes, hooks for coats, trays for mail or homework, and other sorting equipment to keep things tidy and orderly.

JUST LISTED!

102 Brasstown Ct., Leesburg $134,900 4 BR · 3 BA · MLS# 140377 Great room w/ fireplace, open floor plan, & split bedrooms.

Fenced in backyard w/ storage building. Quiet neighborhood, convenient to schools.

2414 Cherry Laurel Ln., Albany $64,900 2 BR · 1 BA · MLS# 140310 Sweet little deal on 1.5 acres. Cottage w/ plenty of privacy and the price is right!

1213 Sharon Ave., Albany $79,900 3 BR · 1 BA · MLS# 139842 Get a good start in this beautiful brick home. Living room, dining room, kitchen w/ new stainless steel appliances, separate den, & huge back yard w/o buildings!

2839 Stonewater Dr., Albany $105,900 3 BR · 2 BA · MLS# 140207 Audubon Plantation Beauty! Great room, all kitchen appliances, fenced backyard, covered screen patio.

albanyherald.com

6C • Sunday, April 1 2018

How parents can create household budgets COURTESY OF MCC

The high cost of raising a child only emphasizes the importance parents must place on creating household budgets. A few dollars put away here and there can add up to substantial savings over the years.

Housing Housing is many families’ most substantial monthly expense. When determining how much they can afford to pay for housing, families may come up with a figure they’re comfortable paying for their monthly mortgage. But it’s important that parents, particularly those who have

HOMES FOR SALE 1916 Churchill 3BR 1.5BA $67,900

929 19S (Americus) (Mobile home) 3BR 2BA $21,200

1808 S Madison 3BR 1.5 BA $23,750

1204 Lee St 3BR 1BA $20,000

841 Dorsett 3Br 2BA $50,500

2904 Dove Ave (Vacant LOT) 0.96 AC $10,000

309 Enterprise 2BR 2BA $44,900 PENDING

110 Buford RdPENDING (Mobile home, Americus)

217 Sunrise 3BR 1.5BA $50,000

2731 Yorktown 3BR 1 bath $45,000

5601 Ironwood (vacant lot) 3.34 acres, $55,000

315-317 Highland-Restaurant $600,000 PENDING

906 Holloway 3BR 1BA $50,000

118 Myrtle Springs (Americus) (Mobile home)

1207 Hampton Ct 2BR 1.5BA $38,000 534543-1

3BR 2BA $15,900

111 Northampton 4BR 2BA Pool, $185,000

5006 GA Hwy 300 (vacant land) 3 acres $27,500

Ann Thomas GRI

4BR 2BA $25,900 Mobile Ave (vacant land) 1076 acres $50,000

FOR RENT: 313 Tremont 3BR 2BA $690 mo. $690 Deposit.

436-6628

Food Food is another significant expense, especially for growing families. The BLS notes that the average U.S. household spends just about 13 percent of its monthly budget on food.

Parents who examine their spending habits over the previous year can look at how much they’re devoting to food and find ways to reduce that figure if it’s well over 13 percent.

Reducing food spending may require

DID YOU KNOW?

R

aising a family is no small feat. Along with the love and joy, there are some obstacles that must be surpassed, including the financial investment required.

A 2015 report from the Department of Agriculture found that middleincome married couples would spend an estimated $233,610 to raise a child born in 2015. Parents who find that figure high should know that it does not include costs incurred after children turn 18. So parents could be responsible for nearly a quarter million dollars before they ever write a college tuition check.

never owned their own home before, also take utility costs into consideration before signing their mortgage agreements. Utility costs for singlefamily homes can dwarf the cost of utilities in apartments The U.S. Bureau of Labor Statistics’ Consumer Expenditure Survey recommends people making housing budgets commit 58 percent of total housing costs to mortgage payments, 21 percent to utilities, just over 9 percent to furnishings and equipment, and roughly 7 percent to household operations. Utilizing this formula before taking out a mortgage can help families ensure they are not scraping pennies together each month to meet their housing costs.

more savvy spending at the grocery store, including shopping sales or buying certain items in bulk when it’s advantageous to do so.

Transportation Parents may find this odd, but the BLS reports that the average U.S. household spends more of its monthly budget (roughly 17 percent) on transportation than it does food. Parents who want to trim their monthly budgets can opt for more affordable cars and trucks, reserving their splurging on luxury vehicles for later in life when their kids have moved out of the house.

Miscellaneous expenses When creating their household budgets, parents should leave room for unexpected miscellaneous expenses, such as healthcare costs if the children get sick and clothing and entertainment. Without accounting for such expenses, parents may find themselves taking on potentially crippling debt in times of emergency.

Carefully constructed household budgets can help parents survive the often expensive costs of raising a family.

How households earn their income has changed dramatically over the last several decades. According to a Pew Research Centeral analysis of the Decennial Census and American Community Surveys integrated Public Use Microdata Sample files, in 1960 only fathers worked in 70 percent of American households. That figure has dropped in each ensuing decade and by 2012 fathers were the sole earners in just 31 percent of American households.

While one in four households in American were dual income households in 1960, by 2012 that figure had risen to 60 percent. While those figures represent dramatic changes, the number of households in which mothers are the sole earners has not changed all that much since 1960. In 1960, mothers were the sole earners in just 2 percent of American households. Fifty-two years later 6 percent of American households featured mothers as the sole earners.

WHO’S WHO In Mortgage Lending Lay the Foundation for a Financially Secure Future with the Right Mortgage

Leslie Collins 733.0373

534959-1

534964-1

Leslie.Collins@abtgold.com NMLS: 851247

2815 Meredyth Drive, Albany, GA

(229) 446-2265

Debbie K. Sutton Mortgage Loan Officer

Cell 229-894-6754 Phone 229-317-4544 Fax 229-336-0479 dsutton@bankofcamilla.net NMLS# 588658

banK of Camilla

534955-1

534957-1

2301 Dawson RD., Suite 300 Albany, GA. 31707 www.bankofcamilla.net

137 Robert B Lee ~ Leesburg, GA 31763 T: (229)759-2800 F: (800)807-0205 Lcannon@colonybank.com NMLS #740761 www.colonybank.com 534956-1

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Erin K. McDonald Erin K. McDonald Mortgage Banker Morgage Banker NMLS#658957 NMLS#658957 O: 229.878.2065 O: 229.329.4057 229.878.2065 F: F: 229.329.4057 721 North Westover Boulevard 721 North Westover Boulevard Albany, Georgia 31707 Albany, Georgia 31707 erin.mcdonald@renasant.com erin.mcdonald@renasant.com renasantbank.com renasantbank.com

Allloans loanssubject subject All tocredit creditapproval. approval. to

Call 888-9340 to place your Mortgage Company Ad Here

ALB_040118_class_re_Layout 1 03/29/18 7:28 PM Page 7

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REAL ESTATE

202 Houses for Sale

240 Houses for Rent

248 Apt/Dupl/Condo/ T’homs for Rent

240 Houses for Rent 3BR/1BA, CH&A, E. Albany, $500/ mo. Call 229-854-1107

3BR/ 2BA, lease to own CALL (229)894-2276 leave msg

SUNDAY, APRIL 1, 2018 • 7C

2BR 2BA NW ALBANY $595 229446-7557

3BR 1.5BA 1201 Hampton Court (Albany) Price to sell $57,000 (229)8945045 FHA, Cash or lease purchase

Albany, GA, 31721 3 BR/2 BA - 1230 sq ft - Brick Home $1,000 per month

2507 Nottingham Way Northwest Albany “Call For More Info�

1344-C Hwy 19 South, Leesburg GA Commercial Office Space $1350 per month - 1895 sqft

3BR 2BA 105 East Wallace Street Worth County home, original hard wood floors, updated bathroom, kitchen w/ lots of storage, finished bonus room, laundry room, corner lot with wired workshop- VA, FHA, USDA, Cash or lease purchase $96,900 Call 229-894-5045

817 Flint Ave

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2 and 3 Bedroom Townhomes

1807 Spruce Lane

Warehouse/Office Space - $650 per month

1, 2 & 3/BR

2625 sqft - 75 ft x 35 ft 2620-B Dawson Rd Commercial Office Space - $2125 per month Located behind Pier One Imports across From the Albany Mall Contact Larry Walden for details 229-343-3710 1901 Palmyra Rd, Albany

APARTMENTS

Office Bldg - 2071 sqft - 5BR/1BA/2 half baths for $1,800 per month 455 Henry Mitchell Dr NE,

FOR SALE by owner by LCHC 3BR 2BA central H/C garage sprinkler syst. Fire plc. one owner 1404 Sq Ft $130,000.00 122 Brookfair Ln. call 229-881-2456

Dawson GA 39842

NOTTINGHAM APARTMENTS

229-432-9351

Log cabin style home - 3BR/2BA 1200 sqft for $650 per month 804 Twenty First Ave.

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4840 sqft - $1200.00 per month

Homes & 210 Mobile Lots for Sale

Business office/distribution or Church space ready 121 Northbrook Ct., Lee County

2011 COLEMAN 18ft Bumper Pull camper trailer excellent condition used 3 times $7500 OBO 229-8865555

Homes & 256 Mobile Lots for Rent 2BR 2BA no pets CHA $385 rent $270 DEP 229-349-0271

3 bed/2 bath - 1266 sqft - Built in 2007 Garage - No Pets - $1,000 per month 2507 Ridgewood Lane, Albany, GA 31707 4 bed/2.5 bath - 2244 sqft

3BR 2BA 497 Murphy Rd Double wide with lot, $24,900 229-995-3252 or 229-886-4365

Lake Park subdivision $1,500 per month 4816 Mustang Drive

Let

3 Bedroom 1.5 Bath - 1155 sqft $700 per month Available now 181 McDonald Ct., Leesburg 3 BR/2 BA - 1,549 sq. ft.

Pet friendly!

Fenced in back yard - enclosed pet pen Double car garage w/ built in work bench.

2619 Whispering Pines 3 BR/2 BA - 1349 sq. ft.

Pet friendly upon approval!

Convenient location $795 per month

240 Houses for Rent 3BR 2BA Brick house for rent lee county no pets $750/mo $750 dep 229-886-3600

CLASSIFIEDS WORK! 888-9333

248 Apt/Dupl/Condo/ T’homs for Rent

149 B Ravenwood Ct 3BR/2BA $795/$500-Lee Co.

1BR 1BA Living room/kit. utilities and cable, furnished. Private, quiet area $750/mo 229-395-2624

1304 Ninth Ave 2BR/1.5BA $625/$450

$295 QUICK START SPECIAL, 2BR, $320/Mo., call anytime, move today. No Deposit. W/D hookup. Call (229) 299-8750.

114-A Acacia 3BR/2BA $695/400-Lee Co.

1143 B Gillionville 1BR/1BA $395/$250 2825 W Doublegate 3BR/2BA $1195/$800 119 Michael Circle 3BR/2BA $950/$500-Lee Co.

2391 M eadowlark Meadowlark Commons Cou rt Suite Suite 101 Commons Court 0 ) DP SP 0 ) DP SP

MOVE-IN READY READY MOVE-IN

888-9333

1403 8th Ave 3BR/1BA $750/$495

Nottingham North Apartments

708 B 8th Ave 2BR/1BA $525/$350 1580 Hwy 19 S #10 Raintre ee Condos-Lee Co. 3BR/2.5BA $850/$500

4+%- 1+06' 4+%- 1+06' A APARTMENTS PARTMENTS

Mo Move-in ve-in SPECIAL

2BR/1BA $550 mo.

2B R/1BA $ 550 m o.

1BR/1BA $475 mo.

1B R/1BA $ 475 m o.

Includes cable, Inc ludes c able, water, water, sewer, garbage s ewer, & ga rbage 541279-1

DUPLE DUPLEXES EXES &m ore on line at more online www.MPMAlbany.com www.M PMAlbany.com 638-1597 638-1597

1, 2, & 3 BR Apartments

812 Rosedale 3BR/1BA $550/$400 127 D Winding W Way ay 3BR/2BA $695/$450-Lee Co.

229-436-9096

2401 NOTTINGHAM WAY

925 Mercer 3BR/2BA $600/$350 126 Crow 3BR/1.5 BA $775/$450-Lee Co.

WILLOWS APPARTMENTS 1401 Whispering Pines Rd

1401-B 9th Ave Ave 1BR/1BA $475/$300 613 Bison 3BR/2BA $950/$500 122 Jowers Lane 3BR/2BA $975/650-Lee Co.

Albany y, GA 39963-1

2 BR/2BA 2BR/2BA Adjacent Ad jacent to to tthe he ASU ASU Darton College D arton C ollege of of Health Professions H ealth P rofessions

Wededdddidiinngg An W Annnouunnncecem emmenents

CLASSIFIEDS WORK!

2333 Andrew Gard den 2BR/1.5BA $595/$400

2 & 3 BR Flats Starting at $495

229-436-9620

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REAL ESTATE

Gardner,, Whiting, & Malone 2BR/1BA $325/$150

Remember to place your yard sale!

Call (229) 888-9333 or E-mail: class@albanyherald.com

539972-1

Cemetery Lots 229 for Sale CROWN HILL MAUSOLEUM 2 OUTSIDE Spaces - Desirable Side-by-side Location - $7,200 for the pair - Call 229-669-3785

Call Amber for all your Classified Advertising needs 888-9343

$1,200.00 per month 533476-1

4BR/2BA 1996 DW on 1/2 acre. Brand new metal roof, new counter tops & fresh paint. Some minor repair remaining owner will complete or sell as is.

BRING ALL OFFERS. POSSIBLE RENT TO OWN W/10% DOWN CALL 229-854-1107 **PRIVATE OWNER**

THE ALBANY HERALD CLASSIFIEDS Work for You!

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joins forces with

Mons M ons o ns ster tter er can help you find tthe he b be est s t j o bs , e m p l o y e r a n d c a r e e r a dvvice. and

.com

CALL CA C ALL TODAY! T ODA ODAY AY AY! Y!!

229.888.9343 22 29..8 888.93 93 343 ((LOCAL LO OCA CAL AL REP) RE R EP P)

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8C • Sunday, April 1 2018

Credit tips for buying an investment property

I

(BPT) f you love the idea of being a landlord, and don’t mind being on duty around the clock, buying an investment property may be the wealth-building option for you.

Property values have enjoyed a steady increase over the decades.

That’s why real estate has earned its reputation as a sound investment that builds wealth and credit.

Most people, however, don’t have the quantity of cash on hand to purchase a house or apartment building outright. Still, if becoming a landlord means taking out a 30-year mortgage, the monthly payments from the tenants should be enough to service the loan and build equity for you, while leaving some cash flow so you can maintain the property.

If buying investment property sounds like a step you’d like to take, here are some credit considerations every investor needs to know.

1. Be mindful of the inquiry stage Once you decide to purchase an investment property, it’s important to do everything you can to make sure your credit score stays as high as possible until the loan is approved and signed. Your goal is to land the best possible interest rate, because even half a percentage point can add tens of thousands of dollars of total interest payments to a 30-year loan (and affect your wealth-building abilities).

During this time, things like continuing to make on-time payments on your existing loans can be helpful in maintaining your credit score.

However, sometimes people unintentionally lower their credit score when they’re actually trying to be fiscally responsible. For example, when shopping around for the best mortgage rate, keep in mind that multiple inquiries can have a negative effect on your credit score, especially if you don’t have a long credit history. Fortunately, many credit bureaus recognize that you may be comparison shopping, so make sure you do this within a de- a water leak, and before you know it, you’re spending your Saturday fined time frame of 30-45 days. evening pricing plumbers, searching for one whose overtime rate is 2. Keep credit utilization low only in the range of mildly outraWhen maintaining a property, hav- geous. ing access to credit can be helpful because it lets you make repairs Being a property manager means and keep things in good living con- expecting the unexpected, and one dition for your tenants. One thing of the best ways to be ready is to that can affect your credit score is have enough cash at the ready to the amount of credit you’re using. take care of these problems. Build an emergency fund in your savUnfortunately, keeping a higher ings account, and keep your credit balance could result in a lower paid down so you always have that credit score. As a rule, keep your cushion to fall back on during any credit utilization at 30 percent or crisis. less. For example, if your credit card has a $5,000 limit, the bal- 4. Beware of low and no-interest ance should not get any higher than financing deals $1,500. Throughout the billing cycle, keep an eye on the balance, When it’s time to replace the oven range or a refrigerator, one of those and pay it down when you can. “no payments, no interest for 18 months” deals can seem like a life3. Keep a cushion of cash saver. It sounds like a great deal, It happens. You get that call about but these alluring promises are de-

signed to play a psychological trick on you. Because you don’t have to pay yet, it doesn’t really feel like spending money when you’re making the purchase.

However, once the interest-free promotional period is up, a doubledigit interest rate often kicks in. If you don’t have the cash to pay off the balance or make payments, you could end up with penalties that can affect your credit score. Before you sign on, always read the fine print.

Before you invest, do your research on credit scores and know your pros and cons. More than 8.5 billion credit scores compiled by VantageScore Solutions were obtained and used in the U.S. between June 2016 and July 2017. Whatever your stage in life, the market offers many options for those who wish to build their wealth through investing in real estate.

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Jamie Finlayson 449-2153

LAKE BLACKSHEAR 181 N Valhalla Dr Large Family Home 2.39 Acres On Lake Blackshear, 4 Br, 3.5 Ba, Pool & Poolhouse $342,000 Call Chuck 886-2521

LAKE BLACKSHEAR 631 Flintside Dr 2 Acres On Main Lake Over 200 Feet On Water, Double Boathouse, 4 Bedrooms, 3 Ba $311,000 Call Allan 886-2828

LAKE BLACKSHEAR 2143 Lakeshore Ct Large Lot On Main Lake!

1.24 Acres With 105 Feet On The Water, 2 Br, 2 Ba, Hardwood Floors, Double Boathouse $410,000 Call Allan 886-2828

LAKE BLACKSHEAR 124 Spring Creek Worth County 3 Bedroom 2 Bath, Excellent Location, 1500 Square Ft, Dock With Boathouse $279,900 Call Allan 886-2828

LAKE BLACKSHEAR 245 Flintside Cabin / Cottage With 2 Br 1 Ba, Two Gazebos On The Water, Dock, Hardwood Floors, Granite Tops $175,000 Call Allan 886-2828

LAKE BLACKSHEAR Lot 159A Wolf Thick Rd Prime Lot In Crisp County, Over 110 Ft On Water, Great Views Of Main Lake, 0.633 Acres $135,000 Call Allan 886-2828

LAKE BLACKSHEAR 643 Smoke Bridge Circle

LAKE BLACKSHEAR 488 Lakeshore Way 75 Feet On The Water With Excellent Views! Nice Double Bathouse, Seawall, Screen Porch And Lots Of Decking, 3 Br, 2 Ba, 1512 Square Ft $285,000 Call Allan 886-2828

LAKE BLACKSHEAR 209 Flintside Lot In Pecan Slough With 94 Feet Of Seawall Frontage, Boathouse With New Roof, Fenced And Ready To Build $169,900 Call Allan 886-2828

LAKE BLACKSHEAR 597 Flintside Dr

LAKE BLACKSHEAR Lot 8 Cannon Branch S/D

LAKE BLACKSHEAR 349 Flintside Dr Main Lake 2 Bedroom 2 Baths, New Dock / Boathouse, Large Metal Storage Buildings 100 Ft On Water $299,000 Call Allan 886-2828

Large 2.36 Acre Lot In Worth Co With 140 Feet On Water, 3 Br, 2 Ba, Very Nice Dock / Boathouse

$275,000 Call Allan 886-2828

Main Lake With 154 Ft On Water, 3 Br, 2 Ba, Double Boathouse, Updated With Hardwood Floors, Large 1.1 Acre Lot, Sunroom

$325,000 Call Allan 886-2828

Crisp County, 1.11 Acres, 281 Feet On Water, Restrictive Covenants $119,900 Call Allan 886-2828

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ALBANY 1807 Forest Glen Brick Home With Hardwood Floors, Kitchen Updated, New Appliances, 3 Bedrooms, 1.5 Baths, 1484 Square Ft $89,900 Call Allan 886-2828

NORTHWEST ALBANY 3433 Plantation Large Home With Upgrades, 3 Bedrooms, 2 Bath, 1745 Square Ft, Brick Home, Garage $124,900 Call Allan 886-2828

LEESBURG 111 Northwood Close to Schools, 3 Br, 2 Ba, Fenced Yard Eat in Kitchen, Updated 1550 Square Ft $124,900 Call Allan 886-2828

LEESBURG 112 Garrett Lee County on 1 Acre, 3 Br, 2 Ba, Garage, Open Floor Plan, 1470 Square Ft Call Allan 886-2828

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LEESBURG 204 Saxton Place 110 Brasstown Gated Community In Lee County Lee County, Grover Park On A Pond!, Lots Of Upgrades, S/D, 3 Br, 2 Ba,1550 Square Granite Countertops, Hardwood Ft, Lots Of Privacy, Double Floors, 3 Bedrooms, 3 Baths, Double Garage, 2170 Square Ft Garage, Large Living Room $100,000 $220,000 Call Allan 886-2828 Call Allan 886-2828

NORTHWEST ALBANY NORTHWEST ALBANY ALBANY 1720 Marbury 2206 Greenoch 1800 Stuart Lake Park Subdivision, New Roof And New Flooring, Completely Updated, Hardwood Floors, New Roof, Updated Bathrooms, New Cabinets And Heat And 5 Bedrooms, All New Kitchen, 3 Bedrooms, 2.5 Ba, 1912 Air Unit, Very Nice Shop Large Shop, 2483 Square Ft Square Ft, Shop, Fenced Yard 3 Br, 2 Ba, 2427 Square Ft $149,900 $135,000 $169,900 Call Allan 886-2828 Call Allan 886-2828 Call Allan 886-2828

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ALBANY 1804 Slappey Albany, Zoned Commercial, 1000 Square Ft, Great Location, Office Spaces $79,000 Call Allan 886-2828

SMITHVILLE 928 Airport Rd Smithville On 50 Acres, 4 Bedrooms, 2 Baths, Two Ponds, Built In 2006 With 2388 Square Ft, Shop / Storage $280,000 Call Allan 886-2828

LESLIE 119 Seaboard Large Building / Warehouse With 6000 Square Ft, Next To Dollar General, High Ceilings $159,500 Call Chuck 886-2521