Rutherford Weekly

Thursday, August 12-August 18, 2010 www.rutherfordweekly.com 828-248-1408 Rutherford Weekly - Page 5 Financial & Legal Guidance Helping keep your future on course! Financial & Legal Guidance Helping keep your future on course! FOR ALL YOU NEED TO KNOW ABOUT REAL ESTATE Do you need to sell real estate? Robert Greene can help you decide exactly what you need to do to accomplish that goal. Consult him before you do anything. He will make it worth your while even if you choose not to use his services and expertise. You don’t know what you don’t know! Let him be your guide! Robert Greene Broker/Realtor® 828.245.2345 -Offi ce 828.289.1879 -Mobile www.RgRealestate.net Debts Got You Down? Fast relief is just a phone call away One low monthly payment Reduced fees & interest Convenient Confi dential 128 Ohio Street, Spindale 828-286-7062 Toll free: 1-800-567-7062 Debt Counseling & Management Budgeting • Credit Counseling Bankruptcy Counseling • Education Credit Report Review • Housing Counseling Lovelace Financial Group Individuals Locally In Rutherford County For Over 25 Years Professionals Small Businesses Financial Professional Al S. Lovelace ••Administrative Assistant Lynne M. Searcy Phyllis Lovelace-Briscoe Broker Stocks & Bonds • Variable Annuities Mutual Funds • IRA Rollovers • Life Insurance Long-Term Insurance 431 S. Main Street • Suite 8 • Rutherfordton Phone: 828-288-1378 • Fax: 828-288-0763 Hi, I’m Chris Callahan Attorney in Rutherford, Polk, and Cleveland Counties for over 33 years. Ordained Minister for 9 years. I have a heart for prison ministry and I’m a Certifi ed Financial Mediator. Let my experience be used to help you make your legal decisions. Call today.... fp Callahan Law Offi ce PLLC C L 252 Charlotte Rd. Rutherfordton, NC 828-286-8505 2 R 8 Q: How can I legally protect my family and my assets if something happens to me? A: Consult with a great attorney for legal guidance! Financial Tips for Young Families Today’s young families arguably have it tougher than any generation in re- cent memory. With the global economy on the rebound, many young families face an uncertain future, one that depends largely on an uncertain job market and a housing market that is increasingly unpredictable. That uncertainty makes it all the more important that today’s young families gain control of their fi nances, a task that many families fi nd is easier said than done. While managing fi nanaces can seem intimidating, that doesn’t have to be the case. Young families can gain greater control of their fi nances with a few easy means to managing money. *Conduct a spending survey. One of the easiest ways for families to lose track of their fi nances is to take a casual approach toward spending. Nearly every family has similar major expenses, including a mortgage, car payment, tuition, etc. However, where many families falter is in their approach to spend- ing on the small stuff. Daily spending can add up over time, so families looking to save should survey how they’re spending money on a day-to-day basis. *Make saving part of the routine. Even if it’s only a minimal amount, families should get into the habit of paying themselves each month. Treat a savings account like a monthly bill, depsositing a predetermined amount each month, and even more in certain months when it’s affordable. Saving for the future can be daunting, but when saving is perceived as a monthly responsibility it can get easier. *Don’t be caught off guard. One of the things families fear most is being caught off guard by a major expense, such as an illness, problem with the house or accident. However, families, especially those with children, should always expect the unexpected and have a substantial amount of money set aside specifi cally for emergencies. When caught off guard, families without substantial savings set aside often must do something drastic, be it using high interest credit cards or borrowing against retirement accounts. * Use credit responsibly. Good credit is a major plus for young families, but a credit rating, be it bad or good, is always fl uctuating. Families who consistently use credit wisely, paying bills on time and, preferably, paying full balances whenever possible, will continue to benefi t from a good credit rating. How- ever, families who have good credit today won’t necessarily have good credit tomorrow. Using credit responsibly is an ongoing process, but it’s one that pays big dividends, particularly for young families. Courtesy of Metro Editorial home alone through the day? Is your loved one at Where do adults go for the best in daytime care? They head to LIFECare, a daytime program for adults, where life is celebrated. Give him or her a gift of love! By bringing your loved one to LIFECare you are giving them safety, health care monitoring, nutritious meals, meaningful activi- ties, and good friends. LIFECare Conveniently located on Thunder Rd., Spindale Call 828-288-1697 for a free trial visit. RUTHERFORD LIFE CARE START SKILLS ABILITIES CHALLENGE SERVICES Advanced funeral planning gives you the peace of mind that comes with knowing your funeral arrangements are taken care of while lessening the burden on your survivors. Serving Rutherford County since 1914. Serving Rutherford County since 1914. MC rowe’sroweORTUARY & CREMATORY MORTUARY & CREMATOR Paul Crowe Owner US Hwy 74A Rutherfordton 828-286-2304 U n www.crowemortuary.com Rutherford County’s Only Crematory Mark Crowe Owner  Authorized Agent PHOTO Donna R. Green 828-245-2527 dgreenins@bellsouth.net I can help. Call me today! First Name and Last Name (000) 000-0000 firstlastname@youre-mailaddress    Are Nursing Home Costs Devastating Your Family’s Finances? •Estate & Long Term Care Planning •Powers of Attorney •Probate •Special Needs Trust •Living Wills •Estate Administration •Help With Nursing Home Cost •Medicaid Qualification FAMILY LEGACY LAW CENTER Attorney T. Kent Baldwin EGACY LAW 280 E. Main St., Forest City • 828.245.9195 Attorney John Crotts Wills, Estates and Elder Law www.KingLawOffi ces.com 828-286-3332 ©Community First Media

• Cover