JULY 2018 Page 5
BUSINESS AND FINANCE
There’ s a moment when the delightful smell of baked goods fills your nose, and suddenly there is a burst of happiness that fills your soul. There is pure bliss in the midst of something baking in the oven. Cyrus Joseph remembers growing up on the beautiful island of St. Croix and smelling this decadent smell often in his own home while his mother baked. Cyrus knew he had to continue the legacy of his mother. Cyrus is the owner of The Sugar Mill, a company that has been around since 2011. Recently, Cyrus opened a brand new store in Conyers, Ga., located at the intersection of Old Salem Road and Highway 138. The address is 1427 Highway 138 SE, Suite 5. The shop is currently open Monday- Friday at 6 am until 6 pm( Closed on Wednesday and Sunday) and open on
Saturday at 9 am until 9 pm.
WHAT YOUR REALTOR ® SHOULD KNOW
First, whether you are selling or buying, it is most certainly in your best interest, both financially and for peace of mind, that you hire a professional certified REALTOR ®. Knowing that you have such a person who is held to association and industry standards will go a long way to reduce anxiety and stress during the marketing and sales process.
SUGAR MILL IS NOW OPEN
Recently, my distribution manager and I stopped by The Sugar Mill to experience the atmosphere and drop off some newspapers. I could not believe the welcome we received when we walked in. Cyrus was there along with his father and his uncle. They really are family owned and operated. We joked around and laughed, and I immediately felt like I was a part of their family. Cyrus said,“ The desire to keep up with the legacy of baking for family get-togethers, unearthed my passion and a love for baking.” Of course, it felt like a family atmosphere because it was birthed from that desire. They told us stories about their family’ s past and how they got to where they are today. We talked about Cyrus’ grandmother who owned a restaurant. They come from a family with excellent culinary skills. The name was chosen because of where Cyrus grew up in St. Croix. The island has a few sugar mills, which are historical structures used in the 1800’ s to extract sugar, molasses, and rum for export.
DEON’ S DOS AND DON’ TS
Second, he or she should“ know the market”, which means they are knowledgeable with the housing trends and prices, schools, recreation facilities, leisure activities, churches, etc., in the area. And you should be able to ask them absolutely any questions related to your buying or selling a home.
Third, as a buyer they should listen – and understand what is important to you whether it is your budget, the number of bedrooms and baths or the style of home you seek. As a seller, it’ s critical that they have a strong sense of what is next for you... where you are going next and what must happen for you to have a successful transaction. And lastly, knowing that you as a seller or buyer, are listening to their recommendations is vital in their moving the entire process to a positive outcome for all involved. In this so-called“ sellers’ market”, buyers and sellers need to trust their representatives to impart wisdom, experience and their ability to get you to a successful closing.
Whether you are a Millennial, Gen Xer, or Baby Boomer trying to figure it all out, call us at( 404) 630-2985. You can
Cyrus says,“ We are committed to providing our customers with the very best in taste and design with every cake, cupcake, cheesecake, tart, or bread that leaves our kitchen.” You won’ t just get a delicious treat when you stop by … you’ ll also get excellent customer
put your trust in the professionals at Deon Cannon Realty – we’ re always willing to help you and to serve your real estate needs. Call us today and we’ ll begin
service. Stop in and have some friendly conversation, while enjoying some coffee and a slice of Vienna cake. The recipe is straight from the Virgin Islands. The Metro Times wants to say a big“ Welcome to Conyers” to The
Sugar Mill!
NOW OPEN!
L O C A T E D A T T H E B R I D G E S A T C O N Y E R S O P E N M O N- F R I 6 A M A N D S A T 9 A M
N E S T L E D I N C O N Y E R S, T H E S U G A R M I L L B A K E R Y O F F E R S C A K E S, C U P C A K E S, C H E E S E C A K E S, T A R T S A N D B R E A D.
" D R O P I N F O R A D E L I C I O U S C I N N A M O N R O L L O R S L I C E O F C H E E S E C A K E! "
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Sarah Smith Hair Design
working with you right now to develop a strong and sensible plan to sell your home or find the one that’ s absolutely perfect for you.
Call and book an appointment with her today! 601-278-0980
# SARAH _ DOES _ MY _ HAIR
“ DAVE SAYS”
Dear Dave,
My father died recently. He walked out of my life 25 years ago when I was a teenager, and he never wanted anything to do with me after that. His brothers, who have already paid for some of his final expenses, asked if I wanted to pay to have his body cremated. They didn’ t ask for money, they just offered it as a chance to be part of things. I’ m in good shape financially, and I could easily afford the cost. Morally, I wonder if I have a responsibility to help with things. Do you feel I’ m obligated in any way?
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-Julie
Dear Julie,
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I’ m sorry for your loss. I’ m sorry, too, about what happened with your father. I can’ t imagine the mixed emotions you must have in your heart. When someone asks me a question like this, I try to put myself in their shoes. Under the circumstances, I don’ t think you have any obligation whatsoever— morally or legally— to help pay for anything. If you want to help, and you can afford to do so, then follow your heart. At the same time, I don’ t think you should lose one wink of sleep over this if you decide not to contribute. Twenty-five years is long, long time. I don’ t know your dad, and I have no clue about his situation or state of mind back then and in the time since. I can’ t imagine doing that to a child of any age, though. Do what you feel in your heart is best. But in my opinion, there’ s no obligation here. God bless you, Julie.
-Dave
Dear Dave,
When is the right time to buy a house when someone is following your Baby Steps
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plan?
-Samuel
Dear Samuel,
That’ s a good question. Let’ s start by going over the first few Baby Steps. Baby Step 1 is saving $ 1,000 for a beginner emergency fund. Baby Step 2 is paying off all consumer debt, from smallest to largest, using the debt snowball. Baby Step 3 is where you increase your emergency fund to the point where you have three to six months of expenses set aside. Once you’ ve done all that you can begin saving for a home. I’ ll call it Baby Step 3b. For folks looking to buy a house, I advise saving enough money for a down payment of at least 20 percent. I don’ t beat people up over mortgage debt, but I do advise them to get a 15-year, fixed rate loan, where the payments are no
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more than 25 percent of their monthly take-home pay. Doing it this way may take a little more time, and delay your dream of becoming a homeowner a bit, but buying a house when you’ re broke is the quickest way I know to turn something that should be a blessing into a burden!
-Dave
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* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 14 million listeners each week on 585 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey. com and on Twitter at @ DaveRamsey. |