VOL 1 ISSUE 3
Forsyth and North Fulton
PRESENTED
AREA INFO AND HOME TOURS
BY:
John Heath & Your Results Team 678.908.7002
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EXPERIENCE GEORGIA’S
BEST SERVICE
YOUR HOME SOLD IN 90 DAYS OR WE PAY YOU! • Top 1% of Real Estate Teams In Metro Atlanta COMMUNITIES MAGAZINE • Top 20 Team in The State of Georgia RE/MAX INTERNATIONAL • Top Partner In Education Award FORSYTH COUNTY SCHOOLS
678.908.7002
www.NorthGAHomeFinder.com John Heath & Your Results Team is focused on giving our clients the best possible home buying or selling experience. We believe that to best serve our clients it is important to treat their real estate needs as if they were our own. We listen carefully to understand your real estate goals and work hard to create solutions that make sense for you. Whether you are new to the market or an experienced investor, we have the expertise, proven track record, and resources to help you achieve your real estate goals. Whether you are selling your own home or searching for a new place in Georgia to call your own, we will work hard to make sure that you are completely satisfied. We have the knowledge, experience, and dedication that it takes to get the results you are looking for. John and his team also pride themselves on serving and investing in the local community. John has been honored to serve on the Executive Committees and/ or Boards of Directors for several local non-profits including; the Cumming-Forsyth County Chamber of Commerce, Rotary Club of Lanier Forsyth, Leadership Forsyth, Mentor Me North Georgia, The Place of Forsyth County and the 400 North Board of Realtors.
John Heath
GRI, SFR, CDPE, e-Pro, REALTOR® TEAM LEADER Marketing, Vendor Mgt. Community Relations
Lianna Frantz REALTOR® Listing & Buyer Specialist
678-438-5728
678-908-7002
Becky Gorczyca Associate Broker Listing & Buyer Specialist New Construction
John Heath, Sr.
770-616-0726
SRES, ABR, CDPE REALTOR® Listing & Buyer Specialist Certified Senior Specialist Foreclosure Prevention
Nelson Logan
Lora Zibman
Associate Broker, CDPE Listing & Buyer Specialist Foreclosure Prevention Technology Specialist
770-367-0086
Marketing Coordinator Feedback Coordinator
678-978-3093
Why Hire One Agent, When You Can Hire An
ENTIRE TEAM
of Professional Realtors? Call Us Today To Discuss How We Can Show You Georgia’s Best!
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R E A D W H AT O T H E R S
HAVE TO SAY!
GIVING BACK
Refer Your Friends & Family to
We will donate $1,000 to your favorite School Program, Church, Park & Rec Team or other approved Non-Profit Program. As one of the areas top real estate teams, John Heath & “Your Results Team” believe in investing in our community, our children and our schools with both our time and our money. Your Results Team has already given nearly $70,000 to area schools and youth mentoring programs through sponsorships, donations and our unique referral rewards program. Please help us reach our goal of $100,000 by 2015.
“
John Heath is the consummate professional when it comes to real estate. Patience, dedication, and tireless commitment are three characteristics that stand out with John. After spending 18 months trying to find a home in an overstocked and declining market, John was successful in helping us close a home that fit our interests and needs. Additionally, John is a phenomenal partner with the Forsyth County Schools donating both his time and resources to a partnership that we value deeply. I can highly recommend John as someone you can trust in the real estate business. TOP QUALITIES: GREAT RESULTS, PERSONABLE, EXPERT Dr. L.C. (Buster) Evans Superintendent of Schools FORSYTH COUNTY SCHOOLS
“ “
Your Partners In Education Call John at (678)908-7002 or email at JHeathRealty@hotmail.com • www.NorthGAHomeFinder.com
Name of Person Moving: Contact Info: PLEASE MAKE $1,000 DONATION TO: Organization Name: Program Name: Donation made in the name of: *DONATOIN MADE UPON CLOSING OF REFERRED CLIENT’S PROPERTY
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Being a licensed real estate agent in both Alabama and Florida, I knew what qualities I wanted when looking for a Realtor to sell my home in Alpharetta, Georgia. After a few interviews, I met John Heath, Sr., and knew that his professionalism, knowledge, and expertise were unmatched. During a buyer’s market, John sold my home within two weeks and at full market price?.no easy task. The negotiations were seamless and uncomplicated. If you are looking for Results then John should be your Realtor! Nancy Wilkerson - Licensed Florida Real Estate Agent
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We had our house listed for several months when Nelson Logan took over the listing. When we first sat down, Nelson went over our goals in selling the house. Then, after finding out about our goals, Nelson presented the market data about our subdivision and discussed with us what changes he thought would better help us to reach our goals. After agreeing to let Nelson make the changes and we received an offer to buy our home the following week. We negotiated and accepted one of the offers and are happy to say that with Nelson’s help, we reached the goals that we set. We would happily recommend hiring Nelson Logan of John Heath and Your Results Team to anyone who is looking to buy or sell real estate in Forsyth County area. Ken and Jackie - Cumming, Georgia
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My husband and I found Lianna by clicking on a house on Zillow that we wanted to learn more about. Within an hour of asking for additional information, Lianna called us and answered all of our questions. Over the next few months, Lianna went above and beyond in helping us with our home purchase. We were first time home buyers, needed a lot of hand holding and she was patient and professional throughout the entire process and always returned our calls promptly. My husband and I agree that Lianna and Your Results Team are the only Realtors that we will ever buy a house from. JENNA, ALPHARETTA
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C A L L 6 7 8 - 9 0 8 - 7 0 0 2 T O D AY T O Get Details Instantly! Text Property Code to 85377
TOUR THESE HOMES
$190,000 CUMMING - 4BR/2.5BA Great Master-on-main with new paint Text ID: P247859 Phone ID: 2057
$230,000
24 HOUR INFO HOTLINE, CALL 1-866-841-6412 ENTER PROPERTY PHONE ID FOR MORE DETAILS!
$224,000 CUMMING - 3BR/2.5BA Best Deal in West Forsyth HS Text ID: P122476 Phone ID: 2066
$317,900
CUMMING - 4BR/2.5BA Tons Of Privacy!! Award Winning Schools!! Text ID: P266630 Phone ID: 2247
$819,000
CUMMING - 4BR/3.5BA Fabulous home in a desirable neighborhood Text ID: T11935187 Phone ID: 2095
$283,000
LAKE LANIER - 5BR/5BA Water Dock, 5 Car Garage, Pool Text ID: T11899231 Phone ID: 2234
CUMMING - 4BR/2.5BA Large, level fenced backyard in Lambert Dist. Text ID: T11922835 Phone ID: 2241
$189,900 CUMMING - 5BR/3BA Priced Below Appraisal Text ID: T11891721 Phone ID: 2072
$289,000 CUMMING - 4BR/2.5BA Large, Private Yard Text ID: T11965416 Phone ID: 2233
$289,900 CUMMING - 5BR/3BA Great Deal on Short Sale Text ID: P215394 Phone ID: 2249
FREE REPORT $400,000
$175,000
N. FORSYTH - 5BR/4BA Fabulous home with all the bells and whistles! Text ID: P250743 Phone ID: 2248
CUMMING - 3BR/2.5BA Lots of Upgrades Text ID: P282745 Phone ID: 2015
27 TIPS TO SELL YOUR HOME CALL 1-866-841-6413 & USE REPORT ID #1023
All Properties Office: 678.455.3048 www.northgahomefinder.com 03905.1.2.ListingPage.indd 1
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O R T O U R O N L I N E AT
www.NorthGAHomeFinder.com
Get Details Instantly! Text Property Code to 85377
$849,000 ALPHARETTA - COMMERCIAL Hwy 9 High Visibility Commercial Text ID: T11923953 Phone ID: 2010
$159,900
24 HOUR INFO HOTLINE, CALL 1-866-841-6412 ENTER PROPERTY PHONE ID FOR MORE DETAILS!
$175,000 DAWSONVILLE - LAND/LOTS 8 acres Text ID: T11927164 Phone ID: 2103
$160,000
DAWSONVILLE - 3BR/2BA Huge Garage, Fenced Cul-de-sac Lot Text ID: P223694 Phone ID: 2058
CUMMING - 3BR/3.5BA GREAT DEAL IN CUMMING Text ID: P215621 Phone ID: 2242
$169,900 CUMMING - COMMERCIAL Potential Commercial Text ID: T11914719 Phone ID: 2086
FREE REPORT 9 BUYER TRAPS TO AVOID CALL 1-866-841-6413 & USE REPORT ID #1018
HOME
W A R R A N T Y
• HOME SELLERS List your home with us and get a free Home Warranty that you can pass on to your buyer! • HOME BUYERS Get A Free Home Warranty upon the successful closing of your new home. *A Home Warranty is a residential service contract that provides repair and replacement coverage for many of the home’s most essential systems and appliances.
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SPOTLIGHT ON
FORSYTH COUNTY PARKS ft
FOR MORE INFORMATION CONTACT WWW.FORSYTHCO.COM/PARKS or Call Us at 770-781-2215
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Forsyth County Parks and Recreation
DISPOSE OF WASTE PROPERLY. Trash cans are located in various areas.Please don’t leave trash on the ground.
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HAVE YOU SEEN THE...
Sawnee Mountain Preserve
Forsyth County has hundreds of acres of parks for you to enjoy. For example, Sawnee Mountain Preserve in Cumming is a perfect place to get outdoors and enjoy the natural setting Forsyth County has to offer. Not only does Sawnee Mountain Preserve offer 3.5 miles of hiking trails, but unique recreational and educational opportunities are available as well. From rock climbing and rappelling to birding and botany, Sawnee Mountain Preserve offers a variety of fun ways to get active. School and scout group programming is also available. Sawnee Mountain Preserve is comprised of more than 963 acres. There are two parking areas with trail head access located at 4075 Spot Road and 2500 Bettis Tribble Gap Road. Sawnee Mountain Preserve was awarded the “Most Outstanding Green Space Plan” and “Outstanding New Development” by the Georgia Urban Forestry Council. Sawnee Mountain Preserve trails and parking areas are open November 1 through March 1 from 6 a.m. to 7 p.m. and March 2 through October 31 from 6 a.m. to 9:30 p.m. The Visitor Center is open Monday through Saturday from 8:30 a.m. to 5 p.m. For more information, call 770.781.2217 or visit www.forsythco.com/parks.
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John Heath & Your Results Team
F E AT U R E D
PROPERTY
24 HOUR HOTLINE 1-866-841-6412 X 2092 OR TEXT P183679 TO 85377
ARBOR MEADOWS DRIVE, Cumming, GA 30041
$379,900 5 Bedrooms, 5 Full Bathrooms MLS# 5327002 • FORSYTH COUNTY • 2 CAR GARAGE
Perfect for entertaing! Lots of counter & cabinets space Kitchen overlooks fireside family room with coffered ceilings & wall of built-ins. Oversized dining room, guest room, bath and private office round out main level. Hardwood floors abound, New carpet throughout, Upstairs boasts an oversized master suite w/ luxurious spa bath & sitting room large enough to be an office. Three large bedrooms & two full baths provide space for everyone. The front yard and private, shady backyard make this home picture perfect.FORSYTH CENTRAL IS HOME TO THE AWARD WINNING STEM PROGRAM! All Properties Office: 678.455.3048 www.northgahomefinder.com 03905.1.2.FeaturedListing1.indd 1
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KITCHEN MAGNET
The Manor Golf & Country Club Chef Michael Parks harnesses his creativity with greens as well as on them
One of the outstanding benefits of joining Polo Golf & Country Club is its connection to The Manor Golf & Country Club just a few miles away. Not only is The Manor home to the only Tom Watson-designed golf course in the state, it’s also home to Executive Chef Michael Parks, whose culinary exploits have earned him rave reviews. Michael’s skill in the kitchen was likely encoded in his DNA. His grandmother and great-grandmother were among the first African-American businesses owners in Kentucky in the early ’30s and ’40s, running bars, restaurants and gambling houses. His mother, Shirley, followed suit with a high-end eatery in Clarksville, Tennessee, called The Rose Garden. It was Michael’s dad, Willie, a command sergeant major who at one time worked in Special Forces, who sparked his culinary senses. “After he retired from the military he was a commercial fisherman, and he’d bring home his catch and cook for us. I loved his fried crappie or bluegill and potatoes, eggs, grits, and biscuits—I fell in love with cooking with my dad.” After a brief stint at university, Michael joined the military, spending most of his service time in Europe until he returned to start his business career in the states. “I was on an extended business trip in Bologna, Italy, and my boss’ best friend there owned a restaurant,” explains Michael. “My boss told him I had some skills, and his friend Lucca took me in the kitchen and said, ‘Let me see what you got.’ I made him a carbonara, which he pronounced ‘fantastic.’” Michael, then director of sales and marketing for a Georgia-based tile company, kept returning to Trattoria di via Serra to toil and learn by the stove. “I fell back in love with cooking, came home to the states and quit my job.” Not a small thing for a guy who had spent a decade working his way up from the warehouse to a wellsalaried executive job. But the jackets and ties were forever retired. A stint at the Cordon Bleu cooking school in Atlanta, a restaurant gig and some training with a master chef at Loews all followed until four years ago, when The Manor beckoned. Since then the chef and avid golfer (he’s currently a 9 handicap) mixes it up for the members, changing the menu daily and offering lots of healthy options. “I surprise the members all the time with different cuisines and styles,” he says with no shortage of pride. “It’s got to the point where they stop requesting dishes and just say, ‘Have Mike make me something.’ I love my job.”
BUTTERNUT SQUASH SOUP 4 pounds whole butternut squash (about 2 medium), halved lengthwise and seeds removed
1.
Heat the oven to 425°F and arrange a rack in the middle.
2.
Line a baking sheet with aluminum foil. Place the squash pieces cut-side up on the baking sheet.
3.
Melt 1 tablespoon of the butter and brush all of it over the tops and insides of the squash halves. Season generously with salt and pepper. Roast until knife tender, about 45 minutes to 1 hour.
4.
Meanwhile, peel, core, and cut the apple into medium dice. Cut the onion into medium dice. Melt the remaining tablespoon of butter in a large saucepan or Dutch oven over medium heat. Add the apple, onion, and sage, season with salt and pepper, and cook, stirring occasionally, until softened, about 7 minutes. Remove the pan from the heat and set aside.
2 tablespoons unsalted butter (1/4 stick) 1 medium Granny Smith apple (about 8 ounces) 1/2 medium yellow onion 8 fresh sage leaves 5 cups chicken stock (UNSALTED) 1 1/2 teaspoons kosher salt, plus more as needed 1/4 teaspoon freshly ground black pepper, plus more as needed 1/3 cup heavy cream 1/2 cup toasted pumpkin seeds, for garnish (optional)
5.
cool enough to handle. Using a large spoon, scoop the flesh into the saucepan with the sautéed apples and onions; discard the skins. 6.
Add the chicken stock, and salt and pepper. Stir to combine, and bring to a boil over medium-high heat. Reduce the heat to medium low and simmer, stirring occasionally and breaking up any large pieces of squash, until the flavors marry together, about 15 minutes. Remove the pan from the heat and stir in the cream.
7.
Using a blender, purée the soup in batches until smooth, removing the small cap (the pour lid) from the blender lid and covering the space with a kitchen towel (this allows steam to escape and prevents the blender lid from popping off). Alternatively, use an immersion blender. Taste and season with salt and pepper as needed. Serve garnished with the pumpkin seeds, if using.
When the squash is ready, set the baking sheet on a wire rack until the squash is
W W W. M A N O R G C C . C O M | W W W. P O L O G O L F C C . C O M 03905.1.2.SequioiaFULL.indd 1
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I T ’S MORE THA N A NE W HOM E I T ’S A NEW LIF ES TYLE
Polo Golf & Country Club, Forsyth’s only full amenity private club Cal l Sa b r i n a a t 6 78-877-0201 for memb er s hi p i nfo r m at i o n. POLOGOLFCC.COM
Visit www.MentorMeNorthGA.org Today to Learn More!
81 100%
REACH PROGRAM
elementary students benefit from the afterschool mentoring program that helps with their reading. showed improvement in their reading level. are reading at grade level (vs. 21% at beginning of year)
59%
13677%
KICK IT UP PROGRAM
students participated this spring, of high school seniors who were part of the program, graduated on time.
311
COMMUNITY BASED MENTORING (CBM) PROGRAM
8035%
children are matched with individual mentors in our CBM program- that's more than last year at this time.
The commitment, training and support of our mentors showsmentor their student for a year or more.
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Total lives made better through your support
Mentor Me is a 501 (c) 3 non-profit organization based in Forsyth County. Our mission is to help children reach their potential through mentoring relationships with caring volunteers.
10/14/14 6:42 AM
Protect Your Family From The Flu Flu season is right around the corner. At Children’s Healthcare of Atlanta, we see many sick children and teens with the flu virus each year. Your biggest defense against the flu is the flu vaccine, so it’s important that everyone in your family gets vaccinated every year. Here are the top five tips to help you prevent the flu.
• Stay home if you get the flu. This reduces the spread of the flu. However, it is important for parents to recognize the symptoms and know when to see a healthcare provider. If your child has difficulty breathing, experiences a change in behavior or has difficulty keeping fluids down, contact your pediatrician.
• Get vaccinated every season. The best way to make sure that you and your family are protected is for everyone older than 6 months to get a flu vaccine. Since it can take up to two weeks to be protected by the flu vaccine, it is best to get vaccinated as soon as the vaccine is available.
• Antibiotics will not work. The flu is a virus, not a bacterial infection, so antibiotics will not help.
• Some children may need two doses of a flu vaccine given four weeks apart to be fully protected.
• Wash your hands, use hand sanitizer and cough into your sleeve. These tips help prevent the spread of flu viruses.
Visit choa.org/flu to learn more.
• Talk to your child’s healthcare provider about which vaccine is right for your child and your family. There are two ways to get a seasonal flu vaccine: • A shot through the skin—This flu vaccine contains dead flu viruses. You cannot get the flu from the shot form of the vaccine. Side effects from the shot include mild redness and irritation at the injection site. • A spray mist into the nose—This type of flu vaccine contains a weakened, live flu virus. Possible side effects of the nasal spray form of the vaccine include runny nose and headache similar to mild flu symptoms, although not as severe. A healthy person cannot get the flu from the nasal spray flu vaccine. The nasal spray vaccine is the preferred vaccine for healthy children 2 to 8 years old.
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THIS IS GENERAL INFORMATION AND IS NOT SPECIFIC MEDICAL ADVICE. ALWAYS CONSULT WITH A DOCTOR OR HEALTHCARE PROVIDER IF YOU HAVE QUESTIONS OR CONCERNS ABOUT THE HEALTH OF A CHILD.
10/14/14 6:42 AM
SPOTLIGHT ON
FORSYTH COUNTY SCHOOLS
Educator Spotlight When the 2014-2015 school year began in Forsyth County on August 7, around 42,000 students entered 35 schools around the county. Within those schools, there were 328 new educators waiting to greet them and kick off learning for this year. Below we have highlighted a few of those educators: DENISE HARTLEY Background: Ms. Hartley was an accountant for 20 years in England before she moved to the United States nine years ago. That is when her career in education began as a classroom helper for her youngest son. Ms. Hartley then became a substitute teacher before becoming a qualified teacher through North Georgia College and State University in 2009. Combining her accounting background and degree in history, Ms. Hartley taught math and social studies in a Fulton County middle school. For the 2014-2015 school year, Mrs. Hartley has joined the faculty of West Forsyth High School as a world history and economics teacher in the special education department. What She Looks Forward to in 2014: “In 2014 I am looking forward to becoming a valuable member of the West family. My sons are successful AP students in 11th and 12th grade at West, and my daughter is a junior at UGA thanks to our wonderful staff. I owe a great debt to West for being part of my children’s happiness and love of learning.” BRITTNEY HEAD Background: Ms. Head is a Forsyth County native and attended Forsyth County Schools. She attended Daves Creek Elementary (kindergarten), Coal Mountain Elementary (1st-5th), North Forsyth Middle, and graduated from Forsyth Central High School. She received a degree in Early Childhood Education from Piedmont College in Demorest, Georgia. The 2014-2015 school year is her first year teaching, and she is a first grade teacher at Kelly Mill Elementary. What She Looks Forward to in 2014: “I look forward to have a wonderful year growing as an educator and helping students be successful. I feel very honored to be teaching in Forsyth County.”
Forsyth County Schools is proud to be one of the top districts in Georgia and the United States. This success has been accomplished through dedication to our mission and a commitment to continuous improvement through the cooperative efforts of all stakeholders. The district’s 2013-2016 Strategic Plan supports achieving our vision. With clear goals and outcomes, the plan describes our priorities and provides a strong Path to Greatness. BELIEFS: Trust among all stakeholders is vital. Expectations influence accomplishments because everyone has the capacity to learn. A school-community partnership is essential. Change creates opportunity. High-performing leadership makes visions reality. WHO WE SERVE Forsyth County Schools’ primary customer is the individual student. The district works collaboratively with other customers, such as staff, parents, citizens and businesses, to support the primary customer. Visit our website at http://www.forsyth.k12.ga.us to download a brochure on our strategic plan; our path to greatness, as well as few other information about Forsyth County Schools.
PHILIP KINNEER Background: Mr. Kinneer is a retired military veteran who served in the US Navy for twenty years. The Navy gave him unique opportunities and perspectives that have translated well to the civilian sector, including one of his favorite jobs that he was assigned while in the Navy: teaching. He started teaching in 1995 and taught management, technical and personal safety courses. He attended several colleges and universities while in the Navy and finished his degree at the University of North Georgia. After retiring from the military, he worked at the Center for Diseases Control and Prevention for three years as a contractor. In 2009, he started substitute teaching in Forsyth County before teaching math and science full time at Hull Middle School in Gwinnett County. He is back in Forsyth County as an eighth grade math and science teacher at Otwell Middle School. What He Looks Forward to in 2014: “I am very excited to be at Otwell Middle School and be back in Forsyth County. I am a technology / science nut and am really looking forward to exploring physical science with the students during the school year.”
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Marvin L. Jenkins Insurance 12930 HWY 9 N ALPHARETTA, NC 30004 For many years, people have used life insurance as the foundation of their financial matters. Once this foundation is in place, other financial decisions can be made more easily and with more confidence. Today’s life insurance has many more features and benefits, including some that give you more financial flexibility during your lifetime. As you consider the information in this article, please keep in mind that the protections and guarantees we mention are subject to the claims-paying ability of the issuing insurance company. Also, loans and withdrawals can reduce the death benefit payable and can lead to the necessity for additional premiums to keep your policy in force. The facts of life (insurance, that is) When an insured person dies, life insurance pays a death benefit to that person’s beneficiary. Although these proceeds can be used for anything, they’re often meant for a particular purpose: • To cover final expenses, such as funeral costs, taxes or remaining debts • To replace the income that the insured person contributed • To provide an inheritance or fund a foundation, endowment or charitable gift
your youngest child is age 21. Term life is initially quite inexpensive, with premiums that either stay level for the policy’s term or increase on a scheduled basis. If you opt to renew your coverage at the end of the term, the premium may increase at that time. (Your insurer may require evidence of your good health before approving the renewal.) Although term life insurance doesn’t build cash value, some companies offer policies that can be converted to permanent life without a medical exam. Ask your insurance professional about conversion privileges.
• Income tax-free death benefit to beneficiaries (also can be estate tax-free if properly structured) • Guaranteed cash value • Tax-deferred cash value growth • Opportunity for income (tax free if structured properly) • Ability to take loans
UNIVERSAL LIFE: flexibility to cope with changes Universal life (UL) insurance provides a guaranteed death benefit (if certain premium levels are met), tax advantages and provisions for loans and partial PERMANENT LIFE: withdrawals. It also has more flexibility than whole advantages during your lifetime life, with features that let it adapt to changes You don’t have to die to benefit from your life in the financial marketplace and your personal insurance policy. Unlike term life, permanent life circumstances: insurance offers you financial flexibility during your lifetime. That’s because you have the option • Interest-sensitive growth to borrow from your policy, using its cash value as • Growth potential based on the insurance company’s collateral while keeping your policy, and a death portfolio of investments benefit for your beneficiaries, in force. In addition, • Flexible premium payments and death benefits permanent life typically receives favorable tax treatment: Some types of permanent life insurance offer survivorship benefits. With this type of insurance, • Income tax is deferred on any growth in cash value two people are insured and the death benefit is paid • Income from your policy can be structured to be at the time of the second insured’s death. tax-free We recommend consulting your attorney or tax • As with term life, the death benefit is income tax- advisor for answers to specific questions you may free to your beneficiary have, since Nationwide Life Insurance Company and • When policy ownership is properly structured, you its representatives do not give legal or tax advice. may be able to exclude the death benefit from your Would you like to know more? taxable estate. Call Marvin L. Jenkins & Associates. We have been providing TYPES OF PERMANENT LIFE INSURANCE Georgia’s best combination of rates and Permanent life insurance comes in several forms to service for over 25 years! suit different goals, financial circumstances and levels 770.754.4001 of risk tolerance. Your insurance representative
“TERM” AND “PERM” Term life and permanent life, the two basic types of life insurance, both pay an income tax-free death benefit. Term life covers you for a limited period, while permanent life provides lifelong coverage. Permanent life insurance policies also have a cash value that has the potential to increase over time. It’s a financial resource you can access through loans and partial withdrawals* to meet cash needs during your lifetime, such as supplementing your retirement income. will help you choose the kind that best suits your situation: whole life or universal life. TERM LIFE: maximum protection for a low premium WHOLE LIFE: Term life insurance provides coverage for a specific simplicity and long-term protection time period, normally 10, 15, 20 or 30 years. It pays a The premiums for whole life insurance stay the death benefit if you die within that time frame. This same over the life of the policy. Other features means you can choose a term life policy to cover you add to its appeal for conservative clients: only when you need extra financial protection — until the mortgage is paid off, for example, or until • A guaranteed death benefit
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We specialize in Commercial and Financial Insurance, w/Comp , IRA’s, Life Insurance and 401k’s.
* THROUGHOUT THIS ARTICLE, THE DISCUSSION OF LOANS AND WITHDRAWALS ASSUMES THAT THE CONTRACT QUALIFIES AS LIFE INSURANCE UNDER SECTION 7702 OF THE INTERNAL REVENUE CODE AND IS NOT A MODIFIED ENDOWMENT CONTRACT (MEC) UNDER SECTION 7702A. MOST DISTRIBUTIONS ARE TAXED ON A FIRST-IN/FIRST-OUT BASIS AS LONG AS THE CONTRACT MEETS NON-MEC DEFINITIONS UNDER SECTION 7702A. LOANS AND PARTIAL SURRENDERS FROM A MEC WILL GENERALLY BE TAXABLE, AND IF TAKEN PRIOR TO AGE 591⁄2, MAY BE SUBJECT TO A 10% TAX PENALTY. SURRENDER CHARGES MAY APPLY TO PARTIAL SURRENDERS.
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WHEN IT’S URGENT CARE, YOU CAN STILL GET CHILDREN’S CARE. Minor illnesses and injuries can happen at any time. When they do, you don’t have to settle for anything less than our doctors and nurses, who are specially trained to care for your child. For Urgent Care Center wait times,* text CHOA to 4ER411 (437411) or visit choa.org/wait.
* Wait times are updated every 15 minutes and are estimates based on the average time it takes for a patient to be placed in an exam room. Standard messaging fees will apply for texting. ©2014 Children’s Healthcare of Atlanta, Inc. All rights reserved.
CHILDREN’S AT FORSYTH – 410 PEACHTREE PKWY., CUMMING CHILDREN’S AT NORTH POINT – 3795 MANSELL ROAD, ALPHARETTA 03905.1.2.EarthlyMattersCHOAHalf.indd 1
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About Us
Southeast Mortgage is a direct Fannie Mae, Freddie Mac and HUD mortgage lender and can offer a wide variety of mortgage products to fit your needs. We are readily able and willing to assist and guide you through the FHA loan and VA loan process. Loan programs we offer consist of:
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License Information: NMLS 103956 3496 Club Drive, Lawrenceville, GA 30044 Georgia Residential Mortgage Licensee #6578 Florida ML # MLD718, Alabama MC #21076 SC MLS #103956
Derek Watkins Executive MLO NMLS #588661 GRMA #38718
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Southeast Mortgage of Georgia, Inc. Corporate Office 3496 Club Drive Lawrenceville, GA 30044
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FHA VA Jumbo Conventional Full 203k Renovation Loans
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Loan Programs We Offer
Mobile: 770-63 3-6 tMortgage.co s a e 3 m uth
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Organized in 1993, Southeast Mortgage is a full service Georgia Mortgage Lender offering FHA Loans, VA Loans, and Conventional loans. Also, Southeast Mortgage is one of the few Georgia Mortgage Lenders with Processing, Underwriting, and Document preparation all housed in Atlanta, Georgia to serve you better.
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