As Summer is coming to an end, and Labor Day just around the corner, we are all eager for the cooler weather of Fall. We look forward to enjoying outdoor adventures, football (fingers crossed), carving pumpkins, and so many more fun activities. With the onset of Fall, most of our schools have now resumed, though very unconventional like.
Jennifer's sons, Nick and Ben, headed back to college with most of their classes being held online. Her daughter Julia, is a sophomore in high school where things look very different in the hallways and classrooms than in previous years.
David's daughter Megan, who is in her second year of college, is looking forward to more of a routine, spending time with friends, and getting back to classes whether online or in person.
As we navigate through these changing times, we strive to make the best of our situations. So, we wanted to share a few things with you in this Newsletter that will help lift your spirits while giving you some financial insight from David and your team here at FCG.
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Investing through Elections
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LOCATION
Zoom Presentation
DATE AND TIME
09/16/20 11:00am
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09/16/20 12:00pm
A presentation by Capital Group on investing through elections and a review of the post COVID crisis landscape
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WISHING JENNIFER A HAPPY
WORK ANNIVERSARY
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In August we celebrated Jennifer's work anniversary with Financial Consultants Group. She has been an integral part of our team for 3 years and we greatly value her contributions.
From her warm greetings to her detailed client reports, Jennifer demonstrates a full commitment to our clients. She represents Financial Consultants Group well, and we appreciate her hard work.
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Some people's cure for the Coronavirus blues has been adopting a new pet. Jennifer's 15 year old daughter finally talked her into adopting a kitten during the pandemic, after trying for 5 years. They couldn't be happier. The kitten, "Phoebe" has been a great addition to the family. We have attached a couple of links to animal rescue facilities and a link to 400 Life magazine's Pet Issue with wonderful information for you from having a stronger healthier pet to helping animals find their forever home.
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College football games are sure to look different this year. Fans in the SEC, ACC, and Big 12 are keeping fingers crossed that the games will be able to take place; while the Big 10 and Pac-12 have already cancelled their seasons. Local seasons are planned for kickoff in September. Both UGA and Georgia Tech will be on the road for their first games. Georgia Tech will travel to Tallahassee to play FSU on September 12th, while UGA will travel to Arkansas on September 26th. Both teams return for their home opener the following week. If you're lucky enough to get a ticket to a local home game, you'll notice several changes to the game day routine. Both UGA and Georgia Tech have set the stadium capacity at 20-25%. Face coverings will be required, and each school has limits on tailgating activities. You can find details for each team by visiting these sites: GO DAWGS! GO JACKETS!
As a football fan who plans to watch from home, I want to keep things as normal as possible. My family plans to enjoy the season by watching together, wearing our favorite team gear, and eating our favorite football snacks! There may not be as many different games to watch on Saturday. But we plan to make the most of it- and we hope you do too.
Go Jackets! Sandee and Bruce
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HELPFUL FINANCIAL INFORMATION
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Many people have experienced a change, or fear a change, in their cash flow over the past 6 months. Jobs have been lost-or changed. Expenses may be different too, as delivery services are utilized, but movies and concerts have been postponed. Whatever position you find yourself in, we are here to help and will gladly provide advice to help you(or your friends) stay on track. There are three things that may provide you relief.
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Complimentary Financial Review – We are more than happy to meet with you, your friends or family to review your financial picture, and provide some advice during this time of uncertainty.
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Lower mortgage Interest Rates - A mortgage refinance is another way to lower your monthly expenses and get a lower interest rate on debt. Lenders are now offering loans at less than 3%. And that could save you several hundred dollars a month. When refinancing, be mindful of the closing costs; and try not to extend the length of the loan. In fact, this may be a great opportunity to turn that 30 year mortgage into a 15 year mortgage. If you are considering a refinance, we would love to talk you through the possibilities with your specific financial plan in mind.
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Federal Student Loan Forbearance - Earlier this month, the federal government extended the suspension of student loan payments. This includes a suspension in collections and a 0% interest rate. To see if your lender is a part of the US Department of Education, click here. It is worth noting, that if you are able to continue making payments, it is a great opportunity to pay down the loans more quickly. And if not, the program just may provide the financial breather you need.
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TIME TO HEAD TO THE HILLS
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- Get rid of cabin fever by renting a cabin
- Just get behind the wheel and admire the change of scenery
- Golf above the clouds
- Take a hike
- Pick some fruit or flowers
- Cast a line
- Sip some local wine (and 'shine)
- Take a dip in a secluded swimming hole
- Catch a movie on the big screen outdoors
- Coast and climb on two wheels
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David discovered Nina & Rafi in the Inman Park area overlooking over the Beltline. It was a great find for their famous Detroit style pizza, and their roasted chicken wings are fabulous too!! The owners are also known for O4W Pizza and Hampton + Hudson restaurants that David also really enjoys. If you want to keep up with David's other restaurants and foods, check out Fountain Food Adventures on Instagram and Facebook.
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