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Planning the Perfect (and Cheapest) Summer Vacation

Planning the Perfect (and Cheapest) Summer Vacation

It’s just about midway through summertime and we all know what that means. That travel bug has begun to itch, and you can’t seem to stop thinking about getting away for some well-deserved R&R. Unfortunately, luxury trips are usually not free and the last thing you want to do during your vacation is stress about how much money your vacation is costing you! So, buckle up (literally) and get ready for the best (and possibly cheapest) road-trip of your life with these easy-to-follow tips for saving money on your dream getaway. 1.) Gas It’s no doubt that driving is significantly less expensive than flying. Yet, driving still has its costs, namely in gas. Here’s how to save at the pump: Purchase discount gas cards—you can buy gas cards at sites like www.PlasticJungle.com, www.giftcardgranny.com, and www.cardpool.com . Sure, it may not seem like the savings are huge, but saving money is still saving money, people! Drive conservatively—you are not the next Speed Racer so don’t drive like you are. Sudden movements, rapid acceleration, weaving in-and-out or traffic, and stop-and-go driving eats away at your gas, causing you to refill more frequently. Also, cruise-control is a great way to conserve fuel once you hit the highway. Buy at the right time—here’s a little known secret: gas prices tend to go up Thursday afternoon and stay inflated until after the weekend has passed. Go to the pump before the price rise occurs. 2.) Lodging Once you get to where you are going, it is time to focus on getting the best price you can wherever you stay. Stay with a friend or...
Get to know Kristin Fullem!

Get to know Kristin Fullem!

 Your Annuity Expert! Kristin Fullem has utilized her client service expertise and structured settlement knowledge on behalf of Fairfield Funding for over 2 years, working diligently as an annuity expert. Having helped over 500 customers reach their financial desires already, Kristin continually proves that hard work and maintaining high quality levels are keys to success at Fairfield Funding. Here is a further look into the life of Kristin, from work and her career to her personal life. …On her fundamental responsibilities as an annuity expert at Fairfield Funding: The most important thing Kristin deals with is client management; this includes answering questions, keeping track of files, and much more. There is constantly a heavy stream of paperwork with each client file that she must tend to as well. And, of course, it is crucial to be knowledgeable about the process of buying structured settlements and handling annuities. …On one of her most rewarding aspects of her job:        As Kristin looks back at all of the customers she has helped, one of her favorite stories took place only a few months ago, when she helped get a couple get the finances they needed so they could get out of debt. They used the money to cover hospital bills and even buy a house. She finds that helping people “get back on their feet” is truly rewarding and fulfilling. …On her college experience: Kristin went to Georgia College and State University (GCSU) in Milledgeville, Georgia, where she majored in Economics. She also pursued a minor in Management. Looking back, Kristin says the tools she learned in her management classes have been...
Father’s Day Gifts: Perfect for Your Dad and Your Wallet

Father’s Day Gifts: Perfect for Your Dad and Your Wallet

It comes once a year, and even though we all know it is coming, very few of us find ourselves prepared with the right action plan for a perfectly executed Father’s Day soiree. Long gone are the simple days when you could present him with a macaroni-glue project and expect a delighted reaction. So what is one to do as the days until June 15th are winding down, yet ideas and/or funds have seemingly come to a halt? Here are a few ideas to help you make your dad’s special day as impressive as he is. 1.)    Take him to a movie This is also one of the most popular ideas when it comes to dating, so the concept of a movie present is not a new one. Yet, there is a reason it is known as a classic suggestion. Almost everyone can find a movie that they will enjoy. Besides, people go to the theaters for more than the film playing—it is about the experience. Go the whole nine yards. Get him his favorite candy, a jumbo bucket of popcorn, and share some laughs (or tears) together. 2.)    Make him a fancy dinner Rather than taking him out to dinner, which is still thoughtful, actually cooking your dad a dinner yourself means much more. For one, it shows that you invested more time in this gift than simply showing up to eat with him and slapping down your card at the end of the meal. It requires planning, knowledge of his culinary preferences, and immense effort to present him with something not only edible, but also delicious! Another...

The Structured Settlement Protection Act

In 2002 an act was created to protect people who were awarded a structured settlement. Basically, the act states that anyone wanting to sell a structured settlement has to go before the state court to be approved. Essentially the transaction has to be approved and signed off by a judge. Some states require you attend the court hearing and some states don’t. After the act became in affect it was implemented that the insurance company who issued the structured settlement would also be notified of the transfer of payments before the judge signs off the transfer. Whoever is selling the structured settlement must acquire an attorney as well. If you are selling your settlement is best to go through a factoring company to take care of all documents and court cost which is usually included in your quote. Under this act it is also a requirement to follow a legal proceeding, beginning with the acknowledgement of the disclosure, contract signing after the state requirement waiting period, and court hearing (some stated don’t require you to be present). It is crucial for a factoring company to go over all possible options regarding your payment stream. It is best to go with a company that has your best interest in mind. Some states also require a person to get and IPA letter, which means independent professional advice. This is only in the best interest of the person selling the structured settlement. It should always be stated by the factoring company in the disclosure and contract that it is in your best interest to get independent professional advice whether the state requires...

Summer Money Saving Tips!

It’s time to pack up the sweaters and slap on the sunscreen- with Memorial Weekend in our rear-view mirrors, we are steadily cruising into another hot summer! This time of year is so commonly associated with vacations, patios, and cookouts… all of which can become costly pretty quick. We’ve polled our structured settlement staff and have put together a list of six hot summer money saving tips to keep you cool and save you from breaking the bank while you enjoy the season! 1) Bring your lunch to work!  Even if there is a cheap cafeteria across the way from your office, if you bring your lunch instead of spending $5 or $6 every day then you’ll have pocketed around $30 by the end of the week. Along with being thrifty, home-made lunches are often much healthier than something you would buy at a cafe or restaurant. Take advantage of the nicer oncoming weather and find a spot to eat your homemade lunch outside. You could even start a lunch club with your co-workers where you compete to bring the most unique items for your lunch. 2) Explore your town or city. As the weather heats up, more and more people will get the itch to take a vacation. However, gas, lodging, food, and entertainment can add up fast. Save money by getting to know your own city better! Simply Google your hometown and a few key phrases and ideas for outdoor activities and you will be presented with a plethora of options that are just a quick drive away! 3) Check out your local farmer’s market. Farmer’s markets can serve a...
Important Advice for New College Graduates

Important Advice for New College Graduates

With finals winding down and graduation ceremonies starting up, there is about to be a crowd of fresh faces hitting the workforce and applying for jobs. Congratulations to those of you that have recently finished your college career and are on to land that first big job or internship. While it is perfectly normal to want to spend some time gathering your thoughts and planning for the next chapter of your life (the ‘exhale period’), it is important that you make a point to remain mentally active to ensure that you don’t form any habits that can put you behind the curve. 1)  Create and maintain a summer routine: Whether this includes working out, reading a book, or making a point to send out a few resumes each day, you should develop some constants in your life that will keep you in the groove and force you to remain accountable for yourself. It is much easier to transition from your college routine into something you have fabricated for yourself if you start this right away. Don’t wait until the end of summer to start working on you- it will take much more effort to come back from a 3 month break. 2) Be humble and ask for help building your resume: If you are part of the smaller group that already has something lined up in your chosen field, then congrats to you and feel free to skip to the next bullet. However, if you are left scratching your head after the ‘exhale period,’ then the first step you need to take is developing or polishing off whatever semblance...
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