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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And Justin, today we are going to talk about saving for the future. It’s a new year, so are saving accounts still the way to go?

(Justin) They can be, but not necessarily, because there is multiple options you can have within savings accounts. So it really depends on what the client or you’re looking for and how long you’re looking to save and invest for.

(Justin) So we have a money ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And Justin, for those who want to buy a home, how do we know if we’re financially ready or if we’re ever ready?

(Justin) Are we ever ready? There always usually seems to be something that comes up. But the key to this is to make sure you have a mindful spending account, create a budget, and make sure that whatever your payments are — that you are looking at in ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And Justin, we are thinking about our credit scores today. So let’s start with the basics: what is it, and why is it important?

(Justin) So it’s important because your credit score is a calculation of how risky you are to default on payments. The score’s calculated by how well you’re making your payments — that’s the biggest bulk of it — how much credit you’ve used based on your credit ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And Justin, if folks are thinking of buying a home right now, what are some of the things they need to be considering?

(Justin) So, there’s several things, but let’s start with the positive, right? New Year, let’s start it off on the right foot.

(Justin) The positives would be, over time in the average, home ownership and the value of your home appreciates. The other thing is you get to be ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain. And, Justin, we are looking at the difference today between credit and debit cards. So, we have both in our wallet. What’s the difference?

(Justin) Well, the major difference is a credit card is going to be based off your credit score and credit report, and they’re going to give you a credit limit. Your debit card is going to be based off of the amount you have in your checking ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain, and, Justin, today we are talking about preparing for the unexpected. So, how do we get started? There’s a lot of unexpected right?

(Justin) That’s life right? But the biggest key is to start small. You do not have to worry about having all of your goals or your emergency fund funded the next day. You know, again, if you start with baby steps, have trusted advisors, and make it fun, ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain, and, Justin, today, we are talking about Social Security scams. So, this is something a lot of people deal with. We want to know what should we do or not do to protect ourselves.

(Justin) That’s exactly right, and they’re on the rise. Just in this unique situation we’ve been in, you know, the two biggest industries that are being hacked and scammed right now are health care, so hospital systems, ...

(Kristen) Welcome to Money Matters at 757 with Justin Chastain, and, Justin, today we’re talking about a scary topic: identity theft. So, what do we do if we are a victim?

(Justin) So, again, it is a scary topic. Seven out of ten Americans are going to be a victim, but there’s essentially three easy steps you can take.

• One: Contact your primary financial institution so you can just let them know what’s going on.
• Number two: Contact all three credit bureaus, and ...

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(Kristen) Welcome to Money Matters at 757 with Justin Chastain, and, Justin, today we are talking about how to make our money work for us. That’s something we all want, so can you give us a good example?

(Justin) Yes, so, exactly. So, the biggest thing you can do with your money is have it compound. So, that means giving your money more time, and you do not need to start out with a lot of money originally. You just don’t. ...