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 ! "
7 7 0 - 6 4 8 - 7 7 6 0 W W W . C J S U G A R M I L L . C O M
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 . |