SHOULD YOU REFINANCE YOUR MORTGAGE IN 2021?

With mortgage interest rates at historically low levels, it is a great time to consider refinancing. Lowering your interest rate has the potential to save you tons of money over the life of the loan. However, there are a few points to consider beyond simply locking in the lowest interest rate possible: 

FORSYTHE JEWELERS CELEBRATES 40 YEARS ON HILTON HEAD ISLAND

Andrea Bragg, owner of Forsythe Jewelers, has been around high-end bling for more than 20 years. In a year that forced a lot of people to reassess their lives and relationships, Bragg noticed a trend. 

“We’ve sold more engagement rings in the past 12 months than we probably have in the past five years,” she said. “The pandemic forced everybody to hit pause and to think about those they hold dear.” 

SALLIE ANN ROBINSON SHARES family food memories

The coronavirus pandemic hasn’t slowed Sallie Ann Robinson down. Those who know her aren’t sure that anything could. 

With a tour company on Daufuskie Island, three Gullah cookbooks, a volume on Daufuskie history with Jenny Hersch and whispers of a Netflix special in the works, she doesn’t seem to have time to sleep. But she’s a woman on a mission, one who seems fueled by the efforts of her ancestors to treasure their remote island. 

CAHILL’S MARKET & CHICKEN KITCHEN SERVES UP A CENTURY’S WORTH OF BLUFFTON FARMING HISTORY 

John Cahill and his son Robbie, the produce and palette architects behind Cahill’s Market and Chicken Kitchen, know that when it comes to the successes of their now 17-year-old business, they owe all blessings to the land.

John’s grandmother bought the 200-acre parcel off May River Road in Bluffton in 1918 for $10,000; money obtained as the life insurance beneficiary after her brother died in World War I.

ATLAS SURVEYING AND ITS EVER-PRESENT ORANGE TRUCKS ENJOYS GROWTH 

As a professional land surveyor, Billy Gray was skilled at sizing up projects large and small — from farms to neighborhoods, and office buildings to shopping centers. 

But his business found its true direction when he took the measure of his leadership and corporate culture. 

What he determined, Gray says, was that his company needed to expand, and his management style needed to evolve to attract and retain top talent. 

SHOULD YOUR BUSINESS CONSIDER A PHILANTHROPY PROGRAM?

Some companies proudly publicize their charitable programs. It’s a great public relations effort, but does a business that includes philanthropy as part of its corporate culture reap any benefits? 

According to a 2018 study by Mintel, a London-based market research firm, 73 percent of Americans say that a company’s charitable giving influences their purchasing decisions. In that same study, 84 percent believe it’s important for companies to support charitable causes, and 65 percent think it’s a company’s responsibility to give back. 

YOUNG CULINARY ARTIST LAUNCHES IN-HOME HILTON HEAD BAKERY

Italian-meringue buttercream cakes, sweet cinnamon rolls, key-lime-pie cupcakes, triple-chocolate chunk cookies, delicate brioche, and more scrumptious treats are made-to-order and ready for delivery or pick up from Sea Pines’ new Hearthwood Hull Bakery.  

Katie DeVries, chef and 23-year-old owner, has been creating toothsome standards and delicious surprises from her home-based kitchen since August of 2020.   

WHY PRO VIDEO CAN BOOST YOUR BUSINESS

It’s said that a picture is worth a thousand words. If that’s the case, then a good cinematic video is worth 1,440,000 words a minute. Twenty-four frames per second means more communication, more storytelling and a more complete picture of what you and your business have to offer.

WHEN YOU FIRST START A BUSINESS, YOU DON’T KNOW WHAT YOU DON’T KNOW.

This can be especially true when tax time rolls around. Many business owners aren’t aware of the abundant number of small business tax deductions out there that can take the sting out of tax season. Like most tax laws, the rules around deductions change all the time. The most recent business tax deduction act, the Tax Cuts and Jobs Act, took effect in 2018 and started impacting tax returns filed in 2019. Use this as a guide as you prepare your 2020 return and always consult the IRS guidelines on small business tax deductions for the latest information. 

ESTABLISH YOUR PRIORITIES IN THE NEW YEAR

As investment managers, we believe the purpose of investing is to expand what is possible financially so that you can align your life with what matters most to you. Therefore, the first step to developing a successful investment strategy is to get greater clarity on your life priorities. Once your priorities are clear, then you can create a financial plan and an investment strategy to bring your priorities to life. The beginning of a new year is a great time to sort out your priorities  – especially a new year that holds great promise for seeing the end of a pandemic and a return to life as we once knew it.