EPUB: LONE STAR SHOPPER NOVEMBER 17, 2021

NOVEMBER 17, 2021

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Having the right real estate agent means having an agent who is committed to helping you buy or sell your home with the highest level of expertise in your local market. Being in the real estate business over 40 years gives me "hands on" knowledge to help you understand each step of the buying or selling Darlene Tunnell process. This commitment level has helped me build a remarkable track record of delivering results.

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LONE STAR SHOPPER IS A FREE distribution publication serving Alba, Ben Wheeler, Canton, Colfax, Cedar Creek, Edgewood, Emory, Fruitvale, Golden, Grand Saline, Greenville, Kaufman , Lake Fork , Lake Tawakoni , Lindale, Lone Oak, Mineola, Quinlan, Quitman, Sulphur Springs, Terrell, Tyler, Van, Wills Point, Winnsboro & Other East Texas Towns.

Deadline is Thursday at 5:00 PM. We distribute Tuesday-Wednesday. You can email classifieds to lonestarshopper@gmail.com.\n Our phone number is 903-865-7002.\n Visit us on line at www.lonestarshoppertx.com Follow us on Facebook.\www.facebook.com/lsshopper. check out our twitter page. LONE STAR SHOPPER does not warrant, nor guarantee the accuracy of any advertisement, nor the quality of the goods or services offered. Readers are cautioned to thoroughly investigate all claims made and to use good judgment and reasonable care when dealing with people you don’t know.

TUNNELL Real Estate 149 West Main • Van TX 75790 Darlene Tunnell Owner/Agent 903-963-5101

Jo Davis Broker Agent 903-288-2427

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C h a r m i n g 2 B R 2 B A a p x 1 , 2 8 8 s q f t h o m e i n Va n . H o u s e i n c l u d e s K i t , D i n i n g , A r e a , off of BR, Living Room w Utility hook ups, and Master BR w fireplace. Rooms are spaFenced large yards with a storage shed. Call it today!

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tre@texascellnet.com • office 903-963-5101 website : www.tunnellrealestate.net The Information Here Is Deemed Reliable, But Not Guaranteed

NOVEMBER 17, 2021

www.lonestarshoppertx.com • 903-865-7002 PAGE 3

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PAGE 4

NOVEMBER 17, 2021

COMING SOON OUR ANNUAL CHRISTMAS SONGBOOK This special edition will be a collector ’s edition.

It will be full of stories about how the Christmas Carol came to be plus other factoids about Christmas.

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OUR PHONE NUMBER IS 903-865-7002. OUR EMAIL IS lonestarshopper@gmail.com.

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Work Together Be Intentional

Dear Dave, I own a duplex that has an opening for a tenant, and an old college buddy wants to rent the apartment.

He has always been a good friend, but I’m a little worried about the possible effects on our friendship if business is brought into the picture. Do you have any advice?

Justin Dear Justin, You can make this work, but you’ll both need to be careful. It’s going to take a lot of honesty and maturity from you both.

Doing business with friends always comes with the risk of running into a situation that can damage the relationship. Am I saying never do business with friends? Of course, not. I do a lot of business with friends. I just make sure all the specific requirements and expectations of the business relationship are laid out in clear detail, in writing, and fully understood by both parties before a deal is struck.

Sometimes friends have unrealistic expec-

$

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tations when it comes to doing business together. The friend who’s renting may think the friend who is the landlord will give him a pass if the rent is late, and on a dozen other things.

The friend who is the landlord may think the renter will be a perfect tenant, because they’re friends, and find out the hard way his buddy’s a slob who doesn’t respect and take care of the property. All these things should be ironed out ahead of time and before the agreement is signed.

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situation arises where he may be late with a payment, or not be able to pay the rent one month. Most issues like this can be worked out, but he needs to understand — and it’s your job to tell him ahead of time, in a kind-but-firm manner — you’re not running a charity.

Just be friendly, straightforward and businesslike. If you have to enforce the rules, do it consistently and with fairness. Likewise, if a situation pops up where a little grace and understanding are appropriate, provide those as well.

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PAGE 5

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Quality HVAC Cleaning (NAPS)—You could be more comfortable at home for less money. According to the U.S. Environmental Protection Agency, cleaning a HVAC system lets it run more e• ciently. Clean, e• cient systems are less likely to break down, last longer and generally operate more e• ectively. Here are answers to common questions on how to go about it: 1. How do I choose an HVAC system cleaning contractor?

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• Choose a National Air Duct Cleaners Association (NADCA) member.

2. Why NADCA members?

• ese contractors sign a Code of Ethics stating they will protect the consumer and follow NADCA cleaning standards. To get and keep the certi• cation, they must meet strict requirements and have a certi• ed Air System Cleaning Specialist (ASCS) on sta• who passed the NADCA certi• cation examination, demonstrating extensive knowledge in HVAC design and cleaning.

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Page 6

Three ways to get ready for the end of Student Loan Relief By; George Kamel let outdated Whether you like it or not (and I can’t i m a g i n e you’d like it), you’re going to have to resume your student loans payments in t h e n e w y e a r. S p e c i f i c a l l y, o n F e b r u a r y 1, 2022. And while student loan relief may be extended again in the future, e v e n t u a l l y, y o u w i l l have to pay back the P i e d P i p e r. S o i n stead of waiting, you n e e d t o p r e p a r e n o w.

Yo u m a y b e d r e a d ing the end of student loan relief, but listen to me: These student loans don’t have to stick around f o r e v e r. H o w d o I k n o w ? Ye a r s a g o , I was able to pay off $36,000 of student loans in 18 months.

Yo u c a n d o t h e s a m e thing. And with no student loans, you can live a life with more margin and freedom.

information give them the chance to screw you with more fees and penalties.

So double-check that your name, address and bank information are all up to date.

And while you’re at it, take a look at your payment plan so you’re not surprised.

And if you know you’re going to struggle to pay your bill, tell your lender ahead of time.

Yo u m a y b e a b l e t o switch to a payment plan that works for your current situation. But don’t wait until relief ends on January 31, 2022, to get this all figured out (looking at you, fellow procrastinators)!

Money will up and evaporate from your bank account if you’re not intentional about managing it.

T h a t ’s w h y I b u d get — and why you should too. If you haven’t experienced the joy of using a budget yet, today is the perfect day to start. I want you to manage your money t h e s m a r t w a y, u s i n g w h a t ’s c a l l e d t h e z e r o - b a s e d­ b u d g e t .

Just list your income and subtract all your expenses until you get that magical zero. If you end up with a positive number, you’ve got work to do—give those leftover doll a r s a j o b . We d o n ’ t want our dollars unemployed!

If you end up with a negative number, then you’ve really got work to do.

As in, you probably need to cut back

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Start paying your loans back now

student debt takes time, hard work and a whole lot of sacrifice, but there is a light at the end of this student loan tunnel — a life on your terms.

But you’ll never get it if you don’t act. Don’t wait on student loan relief, or for any other government program like Public Service Loan Forgiveness (which currently has an appalling 2% succ e s s r a t e ) . Ta k e a step toward a life of margin and freedom right now

debt relief period is not paying back their loans, even when they could.

H o n e s t l y, i f t h a t ’s you, you’re choosing what you want right now instead of w h a t ’s b e s t f o r y o u r f u t u r e . T h a t ’s a t e rrible tradeoff.

Instead, take advantage of this interest-free period.

Pay your loans back now and all the dough Sallie Mae would normally pocket from interest will go toward your principal balance and your freedom.

Tome medidas

BACKED BY A

E

somewhere or get a second job to bring i n m o r e m o n e y. B u t h e y, y o u ’ r e j u s t a n app away from earning some extra cash walking dogs with Rover, delivering groceries with Instacart or Shipt, or driving for Uber or Ly f t . I w o r k e d m u l t i ple side hustles when I was paying off my student loans, and it made all the difference.

¿Está luchando con sus deudas de tarjetas crédito?

Make sure your information is correct Yo u m a y n o t h a v e made a loan payment in nearly two years— and a lot can happen in that time. Did you get hitched? Change your last name?

Move to the mountains to work remotely in an Insta-worthy l o g c a b i n ? ( I f i t ’s a l l t h r e e , m y h a t ’s o ff t o you. Congrats!)

But if you don’t keep your lenders in the loop with your changes, they will assume you’ve gone into hiding.

Trust me, the student loan industry doesn’t want you to win — they want y o u r m o n e y. D o n ’ t

Budget for your student loan payment

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