EV

Electric vehicle maker Rivian reports $1.4B first quarter loss


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\nAnnual Fee:\n \n $550

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\nForeign Transaction Fee:\n \n $0

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\nAuto Rental Insurance Coverage:\n \n Yes

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\nBonus Offer:\n \n Earn 75,000 bonus points

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\nBonus Offer Disclaimer:\n \n after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase Travel℠.

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\nRewards Program Details:\n \n Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

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\nThis Is the Card for You If:\n

You are a high-volume traveler who will earn the $300 annual travel credit and can maximize the value of rewards points by using Chase Travel to book travel.

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“},{“level”:2,”_id”:”NMZTLD6AFRE7PE4UW74DAW7W7E”,”additional_properties”:{“id”:”h-are-chase-sapphire-cards-worth-it”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Are Chase Sapphire Cards Worth It?”},{“_id”:”ERV47IYX5BCMNCH3Q562NHCLNM”,”type”:”text”,”content”:”The Chase Sapphire line of travel credit cards is popular for a good reason. Between a generous welcome bonus, relevant spending rewards categories and solid travel-related perks, there can be a lot of value in having one of these cards in your wallet.”},{“_id”:”5SZPJ5N3B5AX5P56CKA6NIPKXQ”,”type”:”text”,”content”:”Clark says the Chase Sapphire line of cards, along with the Capital One Venture line of cards, are among the best travel rewards programs out there.”},{“_id”:”BZUOJ6OGXJELJCA7E46RZYDCM4″,”additional_properties”:{“class”:[“wp-block-mcb-clark-quote”]},”type”:”raw_html”,”content”:”

“After you net out the benefits of each of them, if you travel even just several times a year, the net cost of having the annual fee ends up being below zero in both cases,” Clark says.

“},{“_id”:”RWLIFG3MRZDCNLFMQ5WX36IIHQ”,”type”:”text”,”content”:”He believes they are a good choice for many frequent travelers because of their lack of a tie-in to a particular airline or hotel chain. This will allow you to shop for the best deal possible for your destination.”},{“_id”:”EH47GR6NZJBEBIGP3WVXUAAY4A”,”type”:”text”,”content”:”If this has piqued your interest, you are probably wondering which level of Sapphire card best suits you. It likely depends on the amount of traveling you do each year.”},{“_id”:”NNJDXAADKBGPTIUGJE52H7U6WY”,”type”:”text”,”content”:”Ask yourself: Do you spend enough on travel to justify the enhanced perks that come with the hefty annual fee of the Reserve card? And how important is lounge access to you while traveling?”},{“_id”:”KVNRPE76WVHLDGAFDDMOJBSIMM”,”type”:”text”,”content”:”If you’re not spending thousands on travel each year, you may find that the small annual fee attached to the Preferred is more digestible.”},{“_id”:”DQ2724W3AFGFTLI55YMLTZES3Y”,”type”:”text”,”content”:”Team Clark has a comparison of the Sapphire cards to help you make that decision.”},{“_id”:”LUGPS6QMLVCETKIECOWQRTVT4Y”,”type”:”text”,”content”:”Do you have one of the Chase Sapphire credit cards? Will you get one as a result of this limited-time offer? We’d love to hear your thoughts in the Clark.com community.“},{“_id”:”5EBLHD643ZA6HCA52FKYKMF7L4″,”additional_properties”:{“href”:”https://clark.com/credit-cards/chase-preferred-welcome-bonus/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/credit-cards/chase-preferred-welcome-bonus/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},{“_id”:”KIEQ6U6GWRATTN7I3NXAZ7NK54″,”type”:”text”,”content”:”The post Chase Increases Sign-up Bonus for Popular Credit Cards for Limited Time appeared first on Clark Howard.”}],”display_date”:”2024-05-03T15:35:12Z”,”credits”:{“by”:[{“org”:”Clark Howard”,”name”:”Nick Cole”,”type”:”author”}]},”subtype”:”Wire”,”headlines”:{“basic”:”Chase Increases Sign-up Bonus for Popular Credit Cards for Limited Time”},”first_publish_date”:”2024-05-03T15:35:12Z”,”taxonomy”:{“primary_site”:{“path”:”/news/business”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:{“original”:{“parent”:{“AmpNav”:”/news”,”default”:”/news”,”MainMenu2024″:”/news”,”BottomNav”:null,”TopNavRedesign”:null,”SectionMap”:”https://www.ajc.com/”,”MainMenuRedesign2021″:null,”subnav_news”:”https://www.ajc.com/”,”ComposerNav”:”/news”},”site”:{“section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”},”navigation”:{“nav_title”:”Business”},”inactive”:false,”node_type”:”section”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:{“AmpNav”:[“https://www.ajc.com/”],”default”:[“https://www.ajc.com/”],”MainMenu2024″:[“https://www.ajc.com/”,”/news”],”BottomNav”:[],”TopNavRedesign”:[],”SectionMap”:[“https://www.ajc.com/”],”MainMenuRedesign2021″:[],”subnav_news”:[“https://www.ajc.com/”],”ComposerNav”:[“/news”]},”order”:{“AmpNav”:2006,”default”:2006,”MainMenu2024″:2005,”SectionMap”:1068,”subnav_news”:1005,”ComposerNav”:2008}}},”type”:”site”,”version”:”0.5.8″},”sections”:[{“path”:”/news/business”,”parent”:{“default”:”/news”},”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:{“original”:{“parent”:{“AmpNav”:”/news”,”default”:”/news”,”MainMenu2024″:”/news”,”BottomNav”:null,”TopNavRedesign”:null,”SectionMap”:”https://www.ajc.com/”,”MainMenuRedesign2021″:null,”subnav_news”:”https://www.ajc.com/”,”ComposerNav”:”/news”},”site”:{“section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”},”navigation”:{“nav_title”:”Business”},”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:{“AmpNav”:[“https://www.ajc.com/”],”default”:[“https://www.ajc.com/”],”MainMenu2024″:[“https://www.ajc.com/”,”/news”],”BottomNav”:[],”TopNavRedesign”:[],”SectionMap”:[“https://www.ajc.com/”],”MainMenuRedesign2021″:[],”subnav_news”:[“https://www.ajc.com/”],”ComposerNav”:[“/news”]},”order”:{“AmpNav”:2006,”default”:2006,”MainMenu2024″:2005,”SectionMap”:1068,”subnav_news”:1005,”ComposerNav”:2008}}},”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″}],”primary_section”:{“path”:”/news/business”,”name”:”Business”},”tags”:[{“text”:”clark”}]},”type”:”story”,”last_updated_date”:”2024-05-05T15:40:50.211Z”,”promo_items”:{“basic”:{“width”:150,”type”:”image”,”distributor”:{“mode”:”reference”,”reference_id”:”19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe”},”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/G4424MEP2LYJJEBXOWX5ZNWIYI.jpg”,”height”:150}},”canonical_url”:”/news/chase-increases-sign-up-bonus-for-popular-credit-cards-for-limited-time/CK24RKLHPFBLXLQTJXZ7MIZQH4″,”_id”:”CK24RKLHPFBLXLQTJXZ7MIZQH4″},{“content_elements”:[{“_id”:”SPH2YE36MFD5NKCEDWOTWTPMGU”,”type”:”text”,”content”:”The costs associated with owning a home go way beyond the amount on the mortgage.”},{“_id”:”C3IVFBRXHJALZL7W7X4TPGNS5Y”,”type”:”text”,”content”:”The combined expenses of utilities, taxes, insurance and repairs cost homeowners big money. In fact, Forbes reported that all of these \”hidden costs\” equal an average of $14,155 per year.”},{“level”:2,”_id”:”CV2YFEXD5ZHPZJA2AKGJNIPNFQ”,”additional_properties”:{“id”:”h-are-you-prepared-for-all-the-expenses-of-a-home”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Are You Prepared for All the Expenses of a Home?”},{“_id”:”HAT2POQTVBB3LKDYPQLS3SOLCM”,”type”:”text”,”content”:”In this article, we’ll go over some home expenses and costs that fall outside of the monthly mortgage. Here are some quick links to get you started:”},{“list_type”:”unordered”,”_id”:”5IW556TRF5HONJTCAAXIVNVL7A”,”type”:”list”,”items”:[{“type”:”text”,”content”:”Home Expenses Beyond Your Mortgage“},{“type”:”text”,”content”:”How To Save for Home Expenses“}]},{“_id”:”SMPJE3KAP5GUHANINQKBZPFOEQ”,”type”:”text”,”content”:”The expenses we’ll discuss are for a typical home. If you’ve got a multimillion-dollar mansion, or on the other end of the spectrum – a fixer-upper, or a foreclosure in poor condition – you could be on the hook for a lot more money.”},{“_id”:”3GPIPS7V7RBZ5JPS4N335Y6WWY”,”type”:”text”,”content”:”Money expert Clark Howard says no matter what it costs for you to be a homeowner, you need to make sure that you’re not overspending in a way that detracts from the rest of your life.”},{“_id”:”IXH5Z7IXH5DVNKWSBJ7CJJLXWU”,”type”:”text”,”content”:”“Housing prices escalated so much over the last few years. You’ve got to be careful you don’t end up house-poor where you take away from everything else you should be doing in your life because you’re trying to stretch to the breaking point to afford a house,” Clark says.”},{“level”:2,”_id”:”6MBC6ER5WVCKNAQT5MP7XFO754″,”additional_properties”:{“id”:”Home-Expenses-You-Need-To-Account-for”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Home Expenses You Need To Account for”},{“level”:3,”_id”:”IGAGMXTILRGIHNPSN2OO7M6EJM”,”additional_properties”:{“id”:”h-1-utilities”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”1. Utilities”},{“_id”:”ZS2LDEAC55DAVKQMUNAMCK6IUY”,”type”:”text”,”content”:”Utilities can eat a hole in our monthly budget. These include your electricity bill, heating fuel, water, sewer, garbage, phone service, cable, and/or internet, all of which can increase.”},{“_id”:”7QAUKP7LVNCMTDFGUV4WL6MJHQ”,”type”:”text”,”content”:”For example, the average monthly electricity bill in Georgia is $134. For the year, that’s $1,608 — and that’s just one utility. Imagine how much you could keep in your pocket, if you made an effort to save on your light bill by using LED lights.”},{“_id”:”2OT45RAF4RET5OX7TXEVVKKBPU”,”type”:”text”,”content”:”According to the U.S. Department of Energy, LED lights use at least 75% less energy and last up to 25 times longer than normal bulbs.”},{“_id”:”PLTMUAT7SFHLJLQLX4FTIHPUU4″,”type”:”text”,”content”:”Read our guide on how to save on utilities.”},{“level”:3,”_id”:”F3ETQ35OMZFR7OWGYCLIMYADT4″,”additional_properties”:{“id”:”h-2-property-taxes”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”2. Property Taxes”},{“_id”:”PGCMM7MHYJBXHEKDKGYEGXT3WE”,”type”:”text”,”content”:”You’ll have to pay property taxes each year — even once you own your home free and clear. In 2021, the median property tax bill in the United States was $1,682, according to the Tax Foundation, a tax policy nonprofit organization.”},{“_id”:”SXUTMSXLD5DNDGEYZ3WHV4S3YE”,”type”:”text”,”content”:”The bad news is that your property taxes increase with the value of your home.”},{“_id”:”TTQKBCWQTNCM5OQVGKWCWDZOM4″,”type”:”text”,”content”:”The good news is that your property taxes may be deductible, depending on your state.”},{“_id”:”FCNDCNNTPRAM3LFS4SQDWTO76E”,”type”:”text”,”content”:”More good news? You may be able to save on your property taxes.”},{“level”:3,”_id”:”RW2DLDSQ2JFLZB2TF6TTZQG7TA”,”additional_properties”:{“id”:”h-3-homeowners-insurance”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”3. Homeowners Insurance”},{“_id”:”ZACP6H7S35DCZJANE5PLUGO5NA”,”type”:”text”,”content”:”Typically insurance premiums increase each year. You may want or be required to have supplemental insurance for disasters such as floods and earthquakes or elect to increase your coverage if you acquire more valuables. Shop around if this stretches your budget.”},{“_id”:”2QUYKZPEMRAVJNBPLWPED2JQJM”,”type”:”text”,”content”:”Our guide on the best and worst home insurance companies shows that choosing the right insurer can pay dividends for your wallet. Clark is a fan of two of them:”},{“_id”:”CBABCIX5NVBLLPVGMQNCKGAJWM”,”type”:”text”,”content”:”“Amica and USAA may not have the best premiums,” Clark says. “But remember my rule: Homeowners insurance is only for use in a catastrophic situation, so it’s crucial to have the best coverage in case something does happen to your home.””},{“level”:3,”_id”:”COQXWAKC7RCGFKMYGI7JCTWJQI”,”additional_properties”:{“id”:”h-4-private-mortgage-insurance-pmi”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”4. Private mortgage insurance (PMI)”},{“_id”:”NEC3D2QKAZB3FLTWL6YIM7UNNQ”,”type”:”text”,”content”:”If you purchased with less than a 20% down payment, you may be required to pay PMI for several years until you build at least 20% equity, or for the life of the mortgage. Double-check with your lender for how long you must pay.”},{“_id”:”XW22OTE4RNCRVEFTWSCU7CWBIQ”,”type”:”text”,”content”:”According to the Consumer Financial Protection Bureau (CFPB), federal law provides rights to remove PMI payments for many mortgages.”},{“_id”:”INH74CL4FVFOZFHDF5DWHQY3AA”,”type”:”text”,”content”:”\”You have the right to request that your servicer cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80% of the original value of your home,\” the agency says on its website. \”This date should have been given to you in writing on a PMI disclosure form when you received your mortgage. If you can’t find the disclosure form, contact your servicer.\””},{“level”:3,”_id”:”PY5JVYGBA5EFXJJFOCZE42XICE”,”additional_properties”:{“id”:”h-5-homeowners-association-hoa-dues”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”5. Homeowners Association (HOA) Dues”},{“_id”:”VD4MN56TB5CDLCC6VWOI7GNKXM”,”type”:”text”,”content”:”Not all homes have homeowners associations, but if yours does it’s important to know that the amenities and services provided by HOAs vary considerably. They may or may not include full or partial landscaping services. HOA dues can increase as their budget requires.”},{“_id”:”YKBD57CPMNCT7LFGICZOKH7WAA”,”type”:”text”,”content”:”Clark acknowledges that some people love HOAs because they uphold the standards of the community, but others don’t think so. Here’s his warning on HOAs:”},{“_id”:”Z3Z7CTO2ARCLXMJH5UWYEEAUHU”,”additional_properties”:{“class”:[“wp-block-mcb-clark-quote”]},”type”:”raw_html”,”content”:”

“Here’s a little secret if you’re buying new construction in an HOA community: The developer always keeps fees artificially low upfront to attract buyers,” Clark says. “Then when the building goes to management, the fee has to escalate quite rapidly.”

“},{“_id”:”Q7BTL7W6E5DZZCWUOTQQYXKHNA”,”type”:”text”,”content”:”“Another thing to consider if you plan to stay put indefinitely in an HOA community: Think about how that HOA fee can grow over time. Fees that seem benign now could wind up being a budget buster down the road,” he adds.”},{“level”:3,”_id”:”PGDCSOHSABAHZCZU2LDKY4T2RM”,”additional_properties”:{“id”:”h-6-repairs-amp-maintenance-big-and-small”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”6. Repairs & Maintenance — Big and Small”},{“_id”:”56QM76UHQRBNBNFUZKKP5WXPIA”,”type”:”text”,”content”:”While it is important to account for the big-ticket home repairs (think: a new roof), don’t forget about the regular maintenance tasks like changing HVAC filters, annual termite inspections, cleaning supplies, gutter cleaning, window washing, etc.”},{“level”:2,”_id”:”6YTUEJ4RZRE3RKCTE6SYTMLGJM”,”additional_properties”:{“id”:”h-how-to-save-for-home-expenses”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”How To Save for Home Expenses”},{“level”:3,”_id”:”FX562DZDGVHH5PPRJK6LRNDM4Y”,”additional_properties”:{“id”:”How-To-Save-for-Home-Expenses”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Start an Emergency Fund”},{“_id”:”C2XKPFLIRBHNHB6YYSOGPLYLMY”,”type”:”text”,”content”:”Clark is a big proponent of having an emergency fund. At some point, you’re going to have to replace the roof, large appliances, furnace, windows and more.”},{“_id”:”PINB7KK6RJCSJKPPJAMUFOXC5I”,”type”:”text”,”content”:”“If you don’t have savings, then you’re not prepared for the ‘oops’ in life,” Clark says. “Because ‘oops’ happen — all different types and sizes — and a lot of times we’re not in a position to deal with them.””},{“_id”:”2CK7U2357FBHVCEPKMQEDDAUGI”,”additional_properties”:{“href”:”https://clark.com/save-money/emergency-fund/”},”type”:”interstitial_link”,”content”:”Read our Emergency Fund Guide to learn how to save money,”,”url”:”https://clark.com/save-money/emergency-fund/”},{“level”:3,”_id”:”JWZPDZCWGJFLDFZ4BBKZEQUGQQ”,”additional_properties”:{“id”:”h-plan-for-maintenance-projects”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Plan for Maintenance Projects”},{“_id”:”475GBLYBCFD47JMBKKZTAZFUDQ”,”type”:”text”,”content”:”You can save some money by doing some of these smaller home maintenance jobs yourself. Whether it is improving your curb appeal or installing a security system, you can probably do it yourself for less — with a little elbow grease and perhaps a YouTube tutorial or two.”},{“_id”:”YPUCTWIG65EENMWQOWNP4BJEYA”,”type”:”text”,”content”:”While of course, you will pay more if you decide to outsource and hire a professional, don’t forget to put aside some cash for supplies even if you do it yourself.”},{“_id”:”OZNQAOAHYJE2BNFJMJURTQZMMA”,”type”:”text”,”content”:”No matter whether you go DIY or pro, here’s how to come up with a simple monthly budget for home maintenance:”},{“_id”:”WG37M7UT3BANRI2NC3GDEBWJUE”,”type”:”text”,”content”:”Add up those expenses for a full year and divide by 12.”},{“_id”:”HOQJI7B4EJCUREHSATOXW4NXOY”,”type”:”text”,”content”:”Don’t have enough expenses to do the math yet? A recent report by Thumbtack states that the average home maintenance costs just reached a new high of $6,663 per year.”},{“level”:3,”_id”:”YHG6CW2MFNFILFGDXDYAJHWH6Y”,”additional_properties”:{“id”:”h-adopt-a-cheaper-lifestyle”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Adopt a Cheaper Lifestyle”},{“_id”:”XRCHLNEDS5D2JGTU55SCTTJ3HM”,”type”:”text”,”content”:”To really save money, you may need to change the way you live to reduce your costs. Here are some ways you can save today:”},{“list_type”:”unordered”,”_id”:”RXWPG4F4FJCLVJWEUDMVRFRJ5E”,”type”:”list”,”items”:[{“type”:”text”,”content”:”Cut the cord: Get rid of cable and stream movies and TV for free. Have you already cut the cord? Consider switching to an ad-supported plan. Clark made this change, and it’s rewarding his wallet.”},{“type”:”text”,”content”:”Wi-Fi for less: Find the cheapest home internet service out there.”},{“type”:”text”,”content”:”Eat for cheap: Save on groceries by using time-tested techniques and strategies.”}]},{“level”:2,”_id”:”DF4HFFOIHRE73KUUWGVXXU67DY”,”additional_properties”:{“id”:”h-final-thoughts”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Final Thoughts”},{“_id”:”UHIVSLGIM5FYLLDYX6FHQZJOMU”,”type”:”text”,”content”:”Buying a home can be one of the best — and most expensive — decisions you make, so you need to prepare yourself for the financial toll. How does it start? It all begins with creating a monthly budget and sticking to it.”},{“_id”:”DTTWLAARW5AKVEHV54TUSYCQPU”,”type”:”text”,”content”:”With a budget, you can track where all your money is going each week and month. Make sure you include all of your monthly expenses such as house or rent payments, utilities, loans, groceries, savings, maintenance costs, childcare and anything else that you’re spending money on.”},{“_id”:”LE7RUJMPYNEUTC4JAY2QP6PUWQ”,”type”:”text”,”content”:”Want more ways to reduce your monthly expenses? Read our in-depth Daily Savings Guide.”},{“_id”:”WLKQZ7YGURAOLP3HXL25PVNZ5M”,”additional_properties”:{“href”:”https://clark.com/homes-real-estate/home-expenses/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/homes-real-estate/home-expenses/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},{“_id”:”SCSTW34SHZHAHGZDRUZJUNRT2E”,”type”:”text”,”content”:”The post 6 Home Expenses You Have To Budget For (Beyond Your Mortgage) appeared first on Clark Howard.”}],”display_date”:”2024-05-03T14:22:13Z”,”credits”:{“by”:[{“org”:”Clark Howard”,”name”:”Craig Johnson”,”type”:”author”}]},”subtype”:”Wire”,”headlines”:{“basic”:”6 Home Expenses You Have To Budget For (Beyond Your Mortgage)”},”first_publish_date”:”2024-05-03T14:22:13Z”,”taxonomy”:{“primary_site”:{“path”:”/news/business”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:{“original”:{“parent”:{“AmpNav”:”/news”,”default”:”/news”,”MainMenu2024″:”/news”,”BottomNav”:null,”TopNavRedesign”:null,”SectionMap”:”https://www.ajc.com/”,”MainMenuRedesign2021″:null,”subnav_news”:”https://www.ajc.com/”,”ComposerNav”:”/news”},”site”:{“section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”},”navigation”:{“nav_title”:”Business”},”inactive”:false,”node_type”:”section”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:{“AmpNav”:[“https://www.ajc.com/”],”default”:[“https://www.ajc.com/”],”MainMenu2024″:[“https://www.ajc.com/”,”/news”],”BottomNav”:[],”TopNavRedesign”:[],”SectionMap”:[“https://www.ajc.com/”],”MainMenuRedesign2021″:[],”subnav_news”:[“https://www.ajc.com/”],”ComposerNav”:[“/news”]},”order”:{“AmpNav”:2006,”default”:2006,”MainMenu2024″:2005,”SectionMap”:1068,”subnav_news”:1005,”ComposerNav”:2008}}},”type”:”site”,”version”:”0.5.8″},”sections”:[{“path”:”/news/business”,”parent”:{“default”:”/news”},”_website”:”ajc”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”_id”:”/news/business”,”additional_properties”:{“original”:{“parent”:{“AmpNav”:”/news”,”default”:”/news”,”MainMenu2024″:”/news”,”BottomNav”:null,”TopNavRedesign”:null,”SectionMap”:”https://www.ajc.com/”,”MainMenuRedesign2021″:null,”subnav_news”:”https://www.ajc.com/”,”ComposerNav”:”/news”},”site”:{“section_comments_enabled”:”Yes”,”site_description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta Journal-Constitution”,”site_title”:”Atlanta Business news and updates”},”navigation”:{“nav_title”:”Business”},”inactive”:false,”node_type”:”section”,”_website”:”ajc”,”name”:”Business”,”_id”:”/news/business”,”ancestors”:{“AmpNav”:[“https://www.ajc.com/”],”default”:[“https://www.ajc.com/”],”MainMenu2024″:[“https://www.ajc.com/”,”/news”],”BottomNav”:[],”TopNavRedesign”:[],”SectionMap”:[“https://www.ajc.com/”],”MainMenuRedesign2021″:[],”subnav_news”:[“https://www.ajc.com/”],”ComposerNav”:[“/news”]},”order”:{“AmpNav”:2006,”default”:2006,”MainMenu2024″:2005,”SectionMap”:1068,”subnav_news”:1005,”ComposerNav”:2008}}},”_website_section_id”:”ajc./news/business”,”type”:”section”,”version”:”0.6.0″}],”primary_section”:{“path”:”/news/business”,”name”:”Business”},”tags”:[{“text”:”clark”}]},”type”:”story”,”last_updated_date”:”2024-05-05T14:30:48.866Z”,”promo_items”:{“basic”:{“width”:150,”type”:”image”,”distributor”:{“mode”:”reference”,”reference_id”:”19e74e53-bba3-4c5d-a445-1a2a4a7cd2fe”},”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/RCWDIYBTAKLKSF2QKB6RAC47SQ.png”,”height”:150}},”canonical_url”:”/news/6-home-expenses-you-have-to-budget-for-beyond-your-mortgage/CNQ2UC6ODBENVJYU6II66ORS2A”,”_id”:”CNQ2UC6ODBENVJYU6II66ORS2A”},{“content_elements”:[{“_id”:”SCA2KIVPMVHIVOB57GYHHTHC6E”,”type”:”text”,”content”:”Inflation hits people on a fixed income the hardest.”},{“_id”:”2J4KGTXHTRAKZLJMNNPSBL7ENY”,”type”:”text”,”content”:”Say you’re retired. You’re living off a pension or Social Security (plus drawing down your retirement investments, which include plenty of bonds). It hurts when your dollar keeps losing purchasing power.”},{“_id”:”BPWXOYXRLFCRNOC4HAZ4ZHZUNY”,”type”:”text”,”content”:”It can be scary to be in that situation with a large mortgage obligation. So traditional wisdom says you need to finish paying your mortgage before retiring.”},{“_id”:”WT65CENXV5AMBPELV7X5UFRBFQ”,”type”:”text”,”content”:”We’re in a strange time as far as mortgage rates, though. The financial crisis in 2007-08 created an environment where the federal government artificially lowered mortgage rates for a decade-plus.”},{“_id”:”QYVBI7ML2JBUJO73ACY5LQF6WA”,”type”:”text”,”content”:”Now that interest rates have normalized, the housing market represents a stark contrast. Those locked into low-rate mortgages sometimes feel stuck in their current home. And those wanting to buy sometimes feel locked out due to relatively expensive home prices coupled with rates double (or more) what they were a few years ago.”},{“_id”:”IST7LOX54VAI3MVUCATU4ZEMDY”,”type”:”text”,”content”:”But all the focus on the current housing market leaves out another consequence. Especially when it comes to the return you can earn from your investments vs. your mortgage rate.”},{“level”:2,”_id”:”22Y44WUIZJHBBBPQ2LBOH5D5XM”,”additional_properties”:{“id”:”h-should-i-pay-off-my-low-rate-mortgage-before-i-retire”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Should I Pay Off My Low-Rate Mortgage Before I Retire?”},{“_id”:”XGLUPWANXFG7FA46KN4FUAE2YE”,”type”:”text”,”content”:”I’m locked into a great mortgage rate and nearing retirement. Should I pay off my mortgage before I quit working? Or is it OK to invest instead?”},{“_id”:”DQCJUWFTERAJJJ3NW56IHECW5M”,”type”:”text”,”content”:”That’s what a Clark Howard listener recently asked.”},{“content_elements”:[{“type”:”text”,”content”:”Asked Shawn in Connecticut: \”I’m coming up on 60 years old and am hoping to retire at 64. My wife and I have been in our condo for nearly three years and owe less than $200,000 on our 30-year mortgage, which has a less than 3% interest rate.”},{“type”:”text”,”content”:”\”My question is, are we better off trying to pay off the mortgage before retirement or investing?\””}],”_id”:”S7O7ARU3ZZFGVJDXV556DQH4IY”,”type”:”quote”},{“_id”:”KFXKHESNDZGV5MEXZ4CMQLCPNE”,”type”:”text”,”content”:”Clark couldn’t believe the words that came out of his mouth next.”},{“_id”:”EP2TFNNUHFDR3KRBPXQCZMDYCM”,”additional_properties”:{“class”:[“wp-block-mcb-clark-quote”]},”type”:”raw_html”,”content”:”

“The classic answer is you can retire when you have no mortgage,” Clark says. “What do you do in this case? You don’t pay off your mortgage. There, I said it. I can’t believe it.

“Anyway, you don’t. Because your interest rate is so low that you can even outearn it in a savings account.”

“},{“_id”:”THC4NXHZA5HB3PSRJBV6TBVAZU”,”type”:”text”,”content”:”The best savings accounts pay 5% right now. That will change if and when the Fed cuts interest rates. But we don’t know when it will cut rates — or by how much. So far, rate-cut predictions haven’t come to fruition.”},{“level”:2,”_id”:”EG5TTYC5TZFL3LZ6OWAHYYLIDE”,”additional_properties”:{“id”:”h-paying-off-your-mortgage-vs-investing”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Paying Off Your Mortgage vs. Investing”},{“_id”:”HH3ZJ6PSSNESRLA7WPUFON475U”,”type”:”text”,”content”:”Investing instead is a bit more nuanced. In your 60s, expecting to retire in four years, you probably shouldn’t be invested in anything close to 100% equities.”},{“_id”:”S2WMBMJSFFENJPXHBZ65Q4RRFE”,”type”:”text”,”content”:”And your timeline matters. Clark advises that you should only invest when you won’t need the money for at least five years. But he’d prefer 10+ years for true investing. If Shawn will need to start withdrawing the money he’d invest now in four years when he retires, he’s at risk of a downward stock-market wobble just at the time he needs to sell.”},{“_id”:”OL6U2BPV3VGRZFNSNGFLIZPOJE”,”type”:”text”,”content”:”But if he can rely on other investments and won’t have to touch that money for five, 10, 15 years? And if he can put the money into a conservative allocation that can still outearn his mortgage rate of less than 3% over the long haul? Absolutely, investing is OK in that case.”},{“_id”:”XGOKHVAPLVFY7G254IXIAK3SRU”,”type”:”text”,”content”:”“Following the banking scandals, we went through 10 years of these crazy low mortgage rates that the Federal Reserve engineered. And normally the Federal Reserve has very little influence on mortgage rates,” Clark says. “But they did everything they could to get those rates down to reflate the housing market. Now those rates are gone.”},{“_id”:”C5KG3CH2SVFOZPIQGHMKISPPPA”,”type”:”text”,”content”:”“So if you just think of it that way, the priority of bills, the priority of debts, paying off a mortgage that cheap, you do not want to prepay it. And you want to pay as agreed – I can’t believe I’m saying it – even in retirement.””},{“level”:2,”_id”:”WGYUEIDVYJAW3BYZS6PLJUWWQM”,”additional_properties”:{“id”:”h-final-thoughts”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Final Thoughts”},{“_id”:”ZUWZ3MYBPFBWPLEDDK5OEWRWHI”,”type”:”text”,”content”:”For most of modern financial history, paying off your mortgage before retiring was the accepted strategy. But if like Shawn you have a mortgage rate that’s below 3%, it’s OK to take your cash on hand and earn a return on it.”},{“_id”:”DM4BFJLFPRFF7OSXM6ZHFMKACI”,”type”:”text”,”content”:”Right now, you can safely get a return on your investment that tops 3% by a good margin.”},{“_id”:”OOK2LJDQ7NDY5G4QEIYW736ILM”,”type”:”text”,”content”:”Do you agree with Clark’s advice? Which is the priority for you: paying off mortgage or investing for retirement? Join the conversation in our Clark.com Community!“},{“_id”:”RJ6XTRAJWNAE7JL5UZR43PO22M”,”additional_properties”:{“href”:”https://clark.com/homes-real-estate/mortgages/should-i-pay-off-my-mortgage-before-retirement-or-invest/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/homes-real-estate/mortgages/should-i-pay-off-my-mortgage-before-retirement-or-invest/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},{“_id”:”DLBBURFGENCW7MFNG2GCF7T7QQ”,”type”:”text”,”content”:”The post Should I Pay Off My Mortgage Before Retirement or Invest? appeared first on Clark Howard.”}],”display_date”:”2024-05-03T13:00:00Z”,”credits”:{“by”:[{“org”:”Clark Howard”,”name”:”Christopher Smith”,”type”:”author”}]},”subtype”:”Wire”,”headlines”:{“basic”:”Should I Pay Off My Mortgage Before Retirement or 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The station reported that Rivian must retain 6,000 workers in Normal during the term of the agreement.”},{“_id”:”OGM4AUTLSVEINJCRDOPNIEHORU”,”additional_properties”:{“comments”:[],”_id”:”NK3FHZSQMJEXZCGXYFIQHIKHFM”},”type”:”interstitial_link”,”content”:”With Rivian’s pause, neighbors near factory site wonder what’s to come”,”url”:”https://ajc.com/news/business/with-rivians-pause-neighbors-near-georgia-factory-site-wonder-whats-to-come/34T2XTP3JZCCBMXISPIHTVF2BI/”},{“_id”:”2ML4V2ANLZFCFN4E7W4T7TTWEA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558734},”type”:”text”,”content”:”Rivian expects to begin customer deliveries of the R2 in the first half of 2026. On Saturday, Rivian officials said at an Atlanta event that the company will expand R2 production and build two other smaller crossovers when it develops its factory along I-20 in southern Walton and Morgan counties. 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The company has said it will expand the facility to produce the initial line of R2 crossovers.”},{“_id”:”4ZE7DHHD65FP3ABJPRRMBKP3VI”,”additional_properties”:{“comments”:[],”_id”:”5M6ZFVS4MRESLPIBX3CWCEV3PI”},”type”:”interstitial_link”,”content”:”Rivian: ‘We are not abandoning Georgia’”,”url”:”https://ajc.com/news/business/rivian-we-are-not-abandoning-georgia/2E2EHXBISNHAVJ4N4DUMYVHIFM/”},{“_id”:”T224FFTPPVHNPEZSAMGQ2QWQYY”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558740},”type”:”text”,”content”:”Rivian has spent more than $2 billion to acquire and renovate a former Mitsubishi factory. The company said Thursday it will spend another $1.5 billion, 25News reported, and expand capacity to 215,000 vehicles per year.”},{“_id”:”7LTCSD7IWJDQ5F466JX3XKQHDM”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558741},”type”:”text”,”content”:”“Illinois is positioned to be a powerhouse in this market for years to come, bringing quality jobs and revitalizing communities across the state,” Illinois Gov. J.B. Pritzker said in a news release. “I want to thank our partners at Rivian, who have doubled down on their investment in Illinois. Together, we’re taking a tremendous step forward — for our electric vehicle ecosystem, for our economy, and for our state. Each and every dollar invested in this market is a win for the working people of Illinois and brings us a step closer to meeting our ambitious climate goals.””},{“_id”:”KX3KK3A65ZGVTOITRLB7D3MUQQ”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558742},”type”:”text”,”content”:”Rivian CEO RJ Scaringe has also said Georgia remains important to the company’s expansion plans.”},{“_id”:”RI7IA5AFXNDURLPZRDJD5DQXOE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558743},”type”:”text”,”content”:”Since it put the Georgia project on hold, the state has pushed the EV maker to divulge how it will comply with terms of its land lease and incentive agreement amid the stoppage. These issues include site security, stabilizing graded land with vegetation and stormwater management.”},{“_id”:”DNYBCDPPRVEEVMVKRES3BLLXPE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558744},”type”:”text”,”content”:”On Saturday, Sanger said at the Atlanta event that the factory site is not dormant with workers performing some grading and other work to prepare for the restart of construction.”},{“_id”:”DGBVSH2WFRE5ZBEYZJPOSLHMF4″,”additional_properties”:{“inline_comments”:[],”comments”:[]},”type”:”text”,”content”:”State Rep. Tim Fleming, R-Covington, who represents the area near the Rivian site, said he’d like a firm timeline for the restart of the Georgia factory.”},{“_id”:”46HAS3EEZBATZC3555FUMV352E”,”additional_properties”:{“inline_comments”:[],”comments”:[]},”type”:”text”,”content”:”“I appreciate the fact that Rivian now wants to be transparent with Georgia as they sent a letter last week reaffirming their commitment to build the R2 and R3 in Georgia,” Fleming said. “They are now getting $800 million from Illinois to build the R2 there. That seems like a lot of R2s.  Now that Rivian has received their incentives from Illinois, it would be great if they would give Georgia a definite timeline on when they will begin construction on the crown jewel of economic development sites in the Southeast here in Georgia.””},{“_id”:”4M42T63W4NFUZMNDKMN4IXO2OA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680558745},”type”:”text”,”content”:”Cox Enterprises, which owns The Atlanta Journal-Constitution, owns about a 3% stake in Rivian.”},{“_id”:”WQBEVHWHKVFHRMCDF56WEIU7KM”,”additional_properties”:{“inline_comments”:[],”comments”:[]},”type”:”text”,”content”:”-Staff writer Greg Bluestein contributed to this report. “}],”display_date”:”2024-05-02T20:58:51.72Z”,”credits”:{“by”:[{“image”:{“version”:”0.5.8″,”url”:”https://s3.amazonaws.com/arc-authors/ajc/1256ca96-cb29-4cad-b64f-bc59ff860eb8.png”},”socialLinks”:[{“site”:”email”,”deprecated”:true,”deprecation_msg”:”Please use social_links.”,”url”:”scott.trubey@ajc.com”},{“site”:”twitter”,”deprecated”:true,”deprecation_msg”:”Please use social_links.”,”url”:”https://twitter.com/FitzTrubey”}],”social_links”:[{“site”:”email”,”url”:”scott.trubey@ajc.com”},{“site”:”twitter”,”url”:”https://twitter.com/FitzTrubey”}],”name”:”J. Scott Trubey”,”description”:”J. Scott Trubey is the economy and environment editor for The Atlanta Journal-Constitution. He previously served as a business reporter for the AJC covering banking, real estate and economic development. Trubey is also a former investigative reporter, with a specialty in banking, real estate and public corruption. He joined the AJC in 2010.”,”_id”:”j-scott-trubey”,”additional_properties”:{“original”:{“lastName”:”Trubey”,”image”:”https://s3.amazonaws.com/arc-authors/ajc/1256ca96-cb29-4cad-b64f-bc59ff860eb8.png”,”role”:”Economy and environment editor”,”education”:[],”longBio”:”J. Scott Trubey is the economy and environment editor for The Atlanta Journal-Constitution. He is a former investigative reporter for the AJC, with a specialty in banking, real estate and public corruption. Trubey previously served as a business reporter for the AJC covering banking, commercial real estate and economic development. He’s previously covered banking, airlines, hospitality and tourism, crime and government at newspapers in Atlanta and Augusta, Ga. He joined the AJC in 2010.”,”org”:”ajc”,”affiliations”:”The Atlanta Journal-Constitution”,”bio”:”J. Scott Trubey is the economy and environment editor for The Atlanta Journal-Constitution. He previously served as a business reporter for the AJC covering banking, real estate and economic development. Trubey is also a former investigative reporter, with a specialty in banking, real estate and public corruption. He joined the AJC in 2010.”,”expertise”:”1, 18″,”author_type”:”Staff”,”firstName”:”J. Scott”,”twitter”:”https://twitter.com/FitzTrubey”,”books”:[],”podcasts”:[],”awards”:[],”custom_ajc_phone”:”404-526-2201″,”custom_ajc_website”:”ajc”,”_id”:”j-scott-trubey”,”last_updated_date”:”2023-06-30T18:25:09.281Z”,”byline”:”J. 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Foreign carriers known for high-end service that fly to the United States “are creating a certain expectation with the customer.””},{“_id”:”OPA3VJSRKNE5JHGR7VC233JNE4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749477},”type”:”text”,”content”:”Then, the pandemic caused international travel to plummet and prompted airlines to cut back. But they’ve since resumed full menus amid a post-pandemic rebound in passenger demand.“},{“_id”:”5CRP3WWFY5EIRFXWXZIWE6DHUI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749478},”type”:”text”,”content”:”That has led to “this climb again” toward more innovative food, Kuhlen said.”},{“_id”:”X4UVW3C74NCZZILESIFL2YIJ74″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714681820843},”type”:”text”,”content”:”“It cannot just always be the short rib,” he said”},{“_id”:”KV23EVWYYFDATADSPEBXGFNMQA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749479},”type”:”text”,”content”:”At Gate Gourmet, a subsidiary of Zurich, Switzerland-based food and hospitality company Gategroup, Molly Brandt as executive chef of culinary innovation for North America is responsible for staying on top of culinary innovations and dreaming up new menus. The company also uses technology from data science firm Black Swan Media to scan social media and predict future food trends.”},{“_id”:”KMVDLU5G3ZB2BDIYAORQ6NDMAQ”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714653440114},”type”:”text”,”content”:”Gate Gourmet was once the in-flight caterer for Delta Air Lines in Atlanta, but the carrier switched to French inflight caterer Newrest and Atlanta-based Goldbergs Group subsidiary Mainline Aviation at its Atlanta hub, as it refashioned meal service coming out of the COVID-19 pandemic. Delta still contracts with Gate Gourmet for in-flight catering at many other locations around the world.”},{“_id”:”WLGNHX73SRC2PJU5NBCHIE4K6U”,”additional_properties”:{“comments”:[],”_id”:”DXGNYSPJPFAJHIXO3SUWTDMSVE”},”type”:”interstitial_link”,”content”:”Delta looks local in revamp of in-flight catering”,”url”:”https://www.ajc.com/news/atlanta-airport-blog/delta-looks-local-in-revamp-of-in-flight-catering/2CYECVIPFVEWLFOWWDID46M2RE/”},{“_id”:”MCQFON3JT5A3NERHOJUJOFRZ7Q”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749482},”type”:”text”,”content”:”Gate Gourmet now serves foreign carriers in Atlanta including Air France, British Airways and Qatar Airways.”},{“_id”:”AWFDROUK4BBMXAKTYXOWDMSBVE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749483},”type”:”text”,”content”:”The company’s 72,000-square-foot facility on Charles W. Grant Parkway has a hot and cold kitchen and a halal process kitchen, about a mile from the airport ramp where meals are delivered to the plane with specialized vehicles. There, it prepares an average of 4,800 meals a day for about seven daily flights, with multiple meals served on many of the flights.”},{“_id”:”FUR6SKYASNH5RKM6LDFG6N6ZZM”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749484},”type”:”text”,”content”:”In Atlanta, Brandt’s menu ideas include Southern influences on international dishes, with Georgia-produced ingredients like Spotted Trotter salami and Sweet Grass Dairy farm cheese aged in Gate City Brewing Co. Terminus Porter.”},{“_id”:”7NGQ77VURRGCRPPDJPUBJMJQG4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749485},”type”:”text”,”content”:”Coca-Cola barbecue sauce-glazed meatloaf Brandt prepared for a tasting has both Southern flair and can be adapted into other versions, she said.”},{“owner”:{“id”:”ajc”},”copyright”:”2024 Atlanta Journal-Constitution”,”address”:{“locality”:”Duluth”,”region”:”GA”},”auth”:{“1″:”b25900fed8ca78f5f560b4290dca69ea478b1efc7e8f5670a5e3fe9a4e6427e7″},”caption”:”BBQ Meatloaf, pimento macaroni and cheese, beans and greens, Coca-Cola BBQ glaze, fresh slaw. Chef Molly Brandt prepared a tasting of proposed In-flight dishes at Gate Gourmet, Thursday, May 2, 2024, in Atlanta. (Hyosub Shin / AJC)”,”source”:{“system”:”AJC Freelancer”,”name”:”AJC Freelancer”,”edit_url”:””,”source_type”:”wires”,”source_id”:”s3://ajc-arc-photo-integration/Freelancer/050324 gate gourmet HS06.JPG”,”additional_properties”:{“editor”:”photo center”}},”taxonomy”:{“associated_tasks”:[“662fdcefa28aae7184c4719b”],”seo_keywords”:[“AJC Freelancer”]},”type”:”image”,”distributor”:{“mode”:”custom”,”name”:”AJC Freelancer”,”category”:”wires”},”version”:”0.10.9″,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”licensable”:false,”credits”:{“by”:[{“name”:”HYOSUB SHIN / AJC”,”type”:”author”}]},”subtype”:”Wires”,”subtitle”:”Gate Gourmet caters to international travelers’ in-flight tastes”,”width”:5916,”_id”:”QVRXWR4ASX4PW2QLVIS7AFK3I4″,”additional_properties”:{“fullSizeResizeUrl”:”/resizer/gKxM9RnUbKYVQg0iVWtBju3Qk3M=/arc-anglerfish-arc2-prod-ajc/public/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”iptc_source”:”AJC”,”comments”:[],”iptc_job_identifier”:”662fdcefa28aae7184c4719b”,”keywords”:[“in-flight meue”,”AJC Freelancer”,”Gate Gourmet”],”proxyUrl”:”/resizer/gKxM9RnUbKYVQg0iVWtBju3Qk3M=/arc-anglerfish-arc2-prod-ajc/public/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”takenOn”:”2024-05-02T16:14:37Z”,”originalUrl”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”published”:true,”resizeUrl”:”/resizer/gKxM9RnUbKYVQg0iVWtBju3Qk3M=/arc-anglerfish-arc2-prod-ajc/public/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”thumbnailResizeUrl”:”/resizer/BGDQy57sib53l6RUFLd2tUctfJo=/300×0/arc-anglerfish-arc2-prod-ajc/public/QVRXWR4ASX4PW2QLVIS7AFK3I4.JPG”,”version”:2,”originalName”:”s3://ajc-arc-photo-integration/Freelancer/050324 gate gourmet HS06.JPG”,”mime_type”:”image/jpeg”,”restricted”:false,”galleries”:[],”_id”:”G3PIV6IHGZHSZEKUAKS3H35DGQ”,”iptc_title”:”staff”},”created_date”:”2024-05-02T21:03:14Z”,”last_updated_date”:”2024-05-02T21:13:17Z”,”slug”:”aajc 050324 gate gourmet”,”height”:3964},{“_id”:”DWAPLFYGX5C6PG4IHV53BPFXFI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749486},”type”:”text”,”content”:”“You still have to bring in this element of what is interesting from both perspectives —from a North American’s perspective and, let’s say, the home country’s perspective,” Brandt said. “Because usually there’s a mix of demographics that are flying in that in that particular route.””},{“_id”:”FJII6QWU6VFGRJRUTC3D6FLQ5A”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749487},”type”:”text”,”content”:”It “requires a ton of research,” Brandt said. She calls friends who are from the country the airline is flying in from, and asks them, “‘What do you miss? … What is it that your mom made? What is it that you miss eating on the street?’””},{“_id”:”DIAR7P5G7BC4JLGULMBVBQBPL4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749488},”type”:”text”,”content”:”She conceptualizes in-flight dishes and prepares tasting menus for airline officials who are in charge of deciding what gets served on flights — and taking into consideration everything from the cost to how to procure the ingredients to how the meal will taste after it’s reheated on the plane.”},{“_id”:”KMVDLU5G3ZB2BDIYAORQ6NDMAQ”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714653440114},”type”:”text”,”content”:”International business class passengers might pay thousands of dollars for a flight, and have grown to expect elevated dining at their seat. But there are plenty of challenges to creating fine dining in the sky that is similar to what can be found in high-end restaurants.”},{“_id”:”TVOSH4NZ4BCLRKQJVAB7GIRGNA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749490},”type”:”text”,”content”:”For one thing, altitude and pressurization on the plane can dull the taste buds.”},{“_id”:”EHGE5W332VBOJN2X6346AXOE64″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749491},”type”:”text”,”content”:”“I like to make sure that there’s a lot of umami, I like to make sure we have a lot of acid that’s happening there,” Brandt said.”},{“_id”:”FCU6NKHMVRHCRMSFZLNV3CUJUI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749492},”type”:”text”,”content”:”Supply chain problems during the pandemic also forced many catering companies to find alternative vendors.”},{“_id”:”LST4WV66CJGCNCWKV3BVIP7IYU”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749493},”type”:”text”,”content”:”“The idea of getting everything from any part of the world because it basically can be produced in bigger batches and thereby less costs — that is probably long gone,” Kuhlen said.”},{“_id”:”KAFD363BYZFWPPACVH4WAAOKIY”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749494},”type”:”text”,”content”:”Other issues that restrict in-flight menu choices are that meals are prepared a day in advance of the flight and then chilled, there’s limited capacity for reheating trays in plane galleys, knife restrictions on planes and food safety standards for in-flight meals that affect how a steak can be prepared, for example.”},{“_id”:”X7YRHOUP6ZH27J5LZB3DMP22GI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714680749496},”type”:”text”,”content”:”What Brandt is aiming for is an in-flight meal that will “perform and be bulletproof, no matter how long it’s going to be heated up.” That’s because even if a meal is supposed to be heated in the aircraft galley oven for 20 minutes, “if there’s turbulence, all of a sudden it’s in there for 40,” she said.”},{“_id”:”RMITGW6JFVHMTLUVVKSTQ3WC6Q”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714653440116},”type”:”text”,”content”:”
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Casey Foundation argues.”},{“_id”:”M6ML4VKOPFGY7OU4VKCWYJM434″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721502},”type”:”text”,”content”:”But in Atlanta, too often those opportunities are not evenly distributed, the foundation says. Despite employment gains, income increases and a decreased rate of children in poor areas, the financial and educational gaps between Black and white Atlantans are still growing, according to the Foundation’s new report, “Changing the Odds: Comprehensive Solutions for Atlanta’s Future.”“},{“_id”:”GEOYC6GXMFFTVFAES4FUBQATTA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721503},”type”:”text”,”content”:”The authors analyzed U.S. Census surveys as well as local and state education data to look at the city’s racial disparities, particularly after the pandemic and the protests spurred by the murder of George Floyd. The report builds on the findings from two previous editions in 2015 and 2019, which highlighted similar racial inequalities.”},{“_id”:”N3UFISZXJBHMVJJ3REGYY5FWVI”,”additional_properties”:{“comments”:[],”_id”:”IPOBULBKEBAEZNMU5MNHPDKKJM”},”type”:”interstitial_link”,”content”:”Could employee ownership help narrow the racial wealth gap?”,”url”:”https://www.ajc.com/news/business/could-employee-ownership-help-narrow-the-racial-wealth-gap/ZCKB7NR2T5E7VB766LSPZRUDY4/”},{“_id”:”GVT5RSSF3NBZVPUQ67HYZTFHFI”,”additional_properties”:{“inline_comments”:[],”comments”:[]},”type”:”text”,”content”:”But progress has been made and people in the community are resilient, according to Kweku Forstall, director of the foundation’s Atlanta Civic Site.”},{“_id”:”QQJBB4U72ZAPDE54O37FXBMEWU”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721505},”type”:”text”,”content”:”“They make a way out of no way, but what we want them to do is not have to do that,” Forstall told The Atlanta Journal-Constitution. “We want to change the odds, so they don’t have to beat the odds.””},{“owner”:{“id”:”ajc”},”copyright”:”2024 Olivia Bowdoin “,”address”:{“locality”:”Atlanta “,”region”:”Georgia”},”auth”:{“1″:”5416398b6cdaf67b4c41fe9e7cfa599361800a458a80b25227f0724a6a9c0b9f”},”caption”:”Kweku Forstall, Director of the Annie E. Casey Foundation’s Atlanta Civic Site, speaks as the organization issues its 2024 Changing the Odds Report. The organization looks at the issue of racial inequality in Atlanta and proposes solutions. (Olivia Bowdoin for the AJC).”,”source”:{“system”:”AJC Freelancer”,”name”:”AJC Freelancer”,”edit_url”:””,”source_type”:”wires”,”source_id”:”s3://ajc-arc-photo-integration/Freelancer/OB AJC CHANGING THE ODDS 050224_07.jpg”,”additional_properties”:{“editor”:”photo center”}},”taxonomy”:{“associated_tasks”:[“663281b5b8fa2613970c7227″],”seo_keywords”:[“AJC Freelancer”]},”type”:”image”,”distributor”:{“mode”:”custom”,”name”:”AJC Freelancer”,”category”:”wires”},”version”:”0.10.9″,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”licensable”:false,”credits”:{“affiliation”:[{“name”:”Olivia Bowdoin”,”type”:”author”}],”by”:[{“name”:”Olivia Bowdoin”,”type”:”author”}]},”subtype”:”Wires”,”subtitle”:”New report highlights Atlanta’s persistent racial inequality”,”width”:5701,”_id”:”KCIRXJUKJOV5BRYVXWBXGMXRWM”,”additional_properties”:{“fullSizeResizeUrl”:”/resizer/K5XoEd6REhXB46wko4juzrzQ43E=/arc-anglerfish-arc2-prod-ajc/public/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”comments”:[],”iptc_job_identifier”:”663281b5b8fa2613970c7227″,”keywords”:[“AJC Freelancer”],”proxyUrl”:”/resizer/K5XoEd6REhXB46wko4juzrzQ43E=/arc-anglerfish-arc2-prod-ajc/public/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”takenOn”:”2024-05-02T00:00:00Z”,”originalUrl”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”published”:true,”resizeUrl”:”/resizer/K5XoEd6REhXB46wko4juzrzQ43E=/arc-anglerfish-arc2-prod-ajc/public/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”thumbnailResizeUrl”:”/resizer/dsYnyJjVEPRXOZXSZBUYXPJZ5Q0=/300×0/arc-anglerfish-arc2-prod-ajc/public/KCIRXJUKJOV5BRYVXWBXGMXRWM.jpg”,”version”:2,”originalName”:”s3://ajc-arc-photo-integration/Freelancer/OB AJC CHANGING THE ODDS 050224_07.jpg”,”mime_type”:”image/jpeg”,”restricted”:false,”galleries”:[],”_id”:”OVBX3GJYO5CXZBELZXASLBQAOA”,”iptc_title”:”Multimedia Journalist”},”created_date”:”2024-05-02T15:57:47Z”,”last_updated_date”:”2024-05-02T19:43:45Z”,”slug”:”aajc 050224 changing the odds report”,”height”:3801},{“level”:3,”_id”:”TW4OHWPQ7NEWJMIIJD5E2EZIL4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721507},”type”:”header”,”content”:”Uneven growth”},{“_id”:”5SDZKZXA2JBCPPMX5FO3UKAN4A”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721508},”type”:”text”,”content”:”Atlanta has the second-lowest economic mobility numbers in the country because of disparities in income, savings and debt, according to the report.”},{“_id”:”3H2CZPQ2GREOHFAE4KKFYPL7YE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714676721509},”type”:”text”,”content”:”Median household incomes for all racial groups in Atlanta increased from 2013 to 2021, but it grew more gradually for Black residents. Despite the increased incomes, the gap between Black and white households widened from about $72,000 in 2013 to more than $75,000 in 2021.”},{“_id”:”YPD7ZYAHWJGJZDBEU7DNTTDFUM”,”additional_properties”:{“comments”:[],”_id”:”5UYARPBQSJAWXJLJVKFYRLHMMY”},”type”:”raw_html”,”content”:”

“You’re not one of those people, Charles. And you want me to bless you going out on your own.”

“},{“_id”:”3MT3TP5RURD2ROROW4Q2CKI7MA”,”type”:”text”,”content”:”You can read more about why you may want to hire a 1% financial advisor here. In a general sense, if you’re only accumulating wealth by investing a set amount each month, you don’t need an advisor.”},{“_id”:”XZKGV6RWTFHF3E6P7DJ44YFPGA”,”type”:”text”,”content”:”If you run a business, have a complex family situation, accumulate significant wealth (say, seven figures) and need help with retirement planning, insurance, tax optimization and more, you may do well to hire a financial advisor.”},{“_id”:”2VFUFZD3TVHNVNCY2TVCCH6W4Q”,”type”:”text”,”content”:”“The real advantage of a financial advisor is much wider than picking funds. That’s not really what they’re about. It’s about building a plan for you, making sure you’re meeting the goals that are important to you,” Clark says. “They keep you from overreacting when the market has declines and all that.”},{“_id”:”IKGDFAEJJZFDJDUSCKEF3C46RI”,”type”:”text”,”content”:”“You sound like an independent sort and it’s not a good fit for you to be with this one percenter. Even though you say everything about him is great, they’re not right for you because you want to be your own advisor. And I think you’re fine to do that at this stage of your life.””},{“level”:2,”_id”:”ZNNZA5SS4NG45NIAA4YJIUL74A”,”additional_properties”:{“id”:”h-manage-your-own-investments-the-clark-howard-way”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Manage Your Own Investments the Clark Howard Way”},{“_id”:”HSJLRZHX6VFYFC2KEPO724LLOM”,”type”:”text”,”content”:”Want to manage your investments on your own?”},{“_id”:”HBOIVKXJOJGHTCHLJKT3NLKNIE”,”type”:”text”,”content”:”Consider investing in a target date fund inside of a 401(k) or Roth IRA.”},{“_id”:”EAYWJHYZCVELXDQ4IVTW6F2RB4″,”type”:”text”,”content”:”If you want to go further, or if you’re investing in a taxable brokerage account, you don’t need complexity. Clark likes low-cost index funds or even ETFs. One total stock market, one bond fund and one international fund.”},{“_id”:”BA3MY25YDJGZVIKXC5KO5KZP3A”,”type”:”text”,”content”:”Vanguard is almost zero-cost. And Fidelity has some true zero-cost funds as a loss leader. Either of those choices are great, Clark says.”},{“_id”:”ITBQYIY3EVGAJMCSOC3HSQ3CSI”,”type”:”text”,”content”:”In general, Clark wants you to keep your fees low. Avoid individual stocks. And stay invested for the long term. Contribute automatically every paycheck or every month. And ride out the highs and lows of the market.”},{“level”:2,”_id”:”VOHUS6SU4FEKBJC32O5AR24EII”,”additional_properties”:{“id”:”h-final-thoughts”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Final Thoughts”},{“_id”:”A4PYD75KFFH45IVNG7HEK3UQXE”,”type”:”text”,”content”:”If you don’t think you need a financial advisor, and you can manage your own investments, that’s great. Saving the annual 1% fee will do you well in the long term. It’s important to be absolutely certain that you need a financial advisor. The typical bias is toward needing one when you don’t.”},{“_id”:”YJJUMPH55RG5DNGUSY7KJVCCBA”,”additional_properties”:{“href”:”https://clark.com/personal-finance-credit/investing-retirement/should-i-fire-my-1-financial-advisor-to-save-on-fees/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/personal-finance-credit/investing-retirement/should-i-fire-my-1-financial-advisor-to-save-on-fees/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},{“_id”:”77Z7BK5WYRESPC35SN6MW3OOJ4″,”type”:”text”,”content”:”The post Should I Fire My 1% Financial Advisor To Save on Fees? appeared first on Clark Howard.”}],”display_date”:”2024-05-02T13:00:00Z”,”credits”:{“by”:[{“org”:”Clark Howard”,”name”:”Christopher Smith”,”type”:”author”}]},”subtype”:”Wire”,”headlines”:{“basic”:”Should I Fire My 1% Financial Advisor To Save on 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an expanse of two-story buildings filled to the brim with computer servers that sprawls over an area about half the size of Atlantic Station.”},{“_id”:”I4I4TIXREZFL3GMR2FW52JV5IQ”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988973},”type”:”text”,”content”:”That’s what a data center development team envisions for a 60-acre property in Douglas County, about 30 miles west of downtown Atlanta.”},{“_id”:”GLCYXSTD7VHLTLK4XI6IKJDKTE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988974},”type”:”text”,”content”:”State paperwork this week revealed the initial plan for the mammoth data center campus near I-20, which would add to Atlanta’s growing status as a hub for online storage farms. Details were scant, including the project’s end user, but the effort joins a trend of supersized — and energy hungry — data center campuses that are beginning to strain Georgia’s power grid, concerning some lawmakers, utility leaders and residents.”},{“_id”:”U2IY2XAPKNA35MQSSYID5IYTXI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988975},”type”:”text”,”content”:”Texas-based Trammell Crow Co. is developing the proposed data center campus at 2912 Post Road, according to a Development of Regional Impact (DRI) filing made public Monday. Trammell Crow declined to comment.”},{“owner”:{“sponsored”:false,”id”:”ajc”},”address”:{},”syndication”:{},”auth”:{“1″:”bcdbf52d1915ed3e327ad3f1d28e3d974d5878ddc1a06249e923f903e8732a33″},”caption”:”A look inside one of Microsoft’s Azure data centers. 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It will need to be rezoned to allow for the data center development, which could total 2.3 million square feet of facilities spread across seven buildings. The project’s first phase is estimated to be complete in 2027, according to the DRI.”},{“_id”:”O6J46JTJCVA4TC6E2ZBZLKPOPE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988978},”alignment”:”left”,”type”:”text”,”content”:”DRIs are a required state analysis for large projects set to impact multiple jurisdictions or an entire region. The filing was made to the Atlanta Regional Commission, which will vet the application and analyze how local infrastructure will be affected.”},{“_id”:”I7VI7QDHEBAAHCDBTNN25IT3T4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988979},”alignment”:”left”,”type”:”text”,”content”:”Data centers are effectively warehouses filled with computer servers that store files, power online services and house artificial intelligence systems. They’ve become one of the hottest uses for undeveloped real estate in metro Atlanta, with roughly 20 gigantic data center campuses either in development or preparing for sizable expansions across Georgia, mostly near Atlanta.”},{“_id”:”BXOJ7CBQTNDD3E23USOLTS552I”,”additional_properties”:{“comments”:[],”_id”:”5EDCNSZ2IZB7VNDSVGVCUF4K7Y”},”type”:”interstitial_link”,”content”:”Georgia wanted to attract more data centers. Now it needs more power”,”url”:”https://www.ajc.com/news/georgia-wanted-to-attract-more-data-centers-now-it-needs-more-power/XHM3P3M2ZJGUTMIW4OD6C3YQW4/”},{“_id”:”RBZ2L3OOYVBZBHGGYFY2CHG2JY”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988981},”type”:”text”,”content”:”Douglas County emerged as Atlanta’s premiere data center market with county leaders incentivizing facilities by Microsoft, Google, Switch and other companies by offering property tax breaks. Chris Pumphrey, president of the Elevate Douglas Economic Partnership, said the county has stopped incentivizing data centers given how many have flocked to the area, shifting its economic tools to court other industries, such as media and entertainment.”},{“owner”:{“id”:”ajc”},”workflow”:{“status_code”:4},”auth”:{“1″:”eb20938b0672b102ed018965b451e8eea2c95802efb44d2be77f3b8ec7a0d810″},”caption”:”Aerial photo of new expansion of Douglas County Google Data Center (foreground) and construction site of the new data center Switch (background) in Lithia Springs on Friday, January 17, 2020. (Hyosub Shin / Hyosub.Shin@ajc.com)”,”source”:{“system”:”Methode”,”source_type”:”other”,”source_id”:”aa23acfa-3f05-11ea-ae62-419be0c78bcc”,”additional_properties”:{“editor”:”photo center”}},”type”:”image”,”distributor”:{“mode”:”reference”,”reference_id”:”8aec2b8c-455c-4816-903d-79fc8fdf8019″},”version”:”0.10.9″,”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”licensable”:false,”display_date”:”2020-01-27T11:00:00Z”,”credits”:{},”subtitle”:”Atlanta risks falling behind rivals in luring data centers”,”width”:3943,”first_publish_date”:”2020-01-27T11:00:00Z”,”_id”:”MIWAHGXCFGXD2O4Q6XMIQUNIKI”,”additional_properties”:{“fullSizeResizeUrl”:”/resizer/H4kYGiQo3NwmTzVBk3ZH-DAtqaQ=/arc-anglerfish-arc2-prod-ajc/public/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”comments”:[],”proxyUrl”:”/resizer/H4kYGiQo3NwmTzVBk3ZH-DAtqaQ=/arc-anglerfish-arc2-prod-ajc/public/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”takenOn”:”2020-01-27T11:00:00Z”,”originalUrl”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”published”:true,”resizeUrl”:”/resizer/H4kYGiQo3NwmTzVBk3ZH-DAtqaQ=/arc-anglerfish-arc2-prod-ajc/public/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”thumbnailResizeUrl”:”/resizer/e75w4XtXrVvw2TEPYWdPrwmds6Q=/300×0/arc-anglerfish-arc2-prod-ajc/public/MIWAHGXCFGXD2O4Q6XMIQUNIKI.jpg”,”version”:0,”originalName”:”https://www.ajc.com//rw/Pub/p11/AJC/2020/01/27/Images/newsEngin.25215991_012120-data-centers-HS07.jpg”,”mime_type”:”image/jpeg”,”restricted”:false,”galleries”:[],”_id”:”SDILRVAHR5F4ZG5NVXDROMMHXI”,”publicationStartDate”:”2020-01-27T11:00:00Z”},”created_date”:”2020-06-29T19:50:36Z”,”last_updated_date”:”2020-06-29T19:50:36Z”,”publish_date”:”2020-01-27T11:00:00Z”,”height”:2657},{“_id”:”6BKQVQMILZG2LAWGSZQWXIWL3M”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988983},”type”:”text”,”content”:”When asked about the latest data center proposal, Pumphrey said Elevate Douglas did not recruit this project and hasn’t committed any incentives to its development team.”},{“_id”:”WT7ZD4IZBJAVPNK62Y3XCJBUN4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988984},”type”:”text”,”content”:”Since 2023, data center construction in metro Atlanta has increased 211%, which is the fastest among major data center markets across the country, according to data from real estate services firm CBRE.”},{“_id”:”33EVBMNM3ZCMRI2VK7GPDR5NF4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988985},”type”:”text”,”content”:”Georgia’s legislature recently approved a bill to suspend sales tax breaks on new data centers over concerns that taxpayers aren’t getting much financial return from the multimillion-dollar incentive program. House Bill 1192, which faced intense pushback and lobbying efforts from data center companies, is now before Gov. Brian Kemp for his consideration. Kemp has until May 7 to sign or veto the bill.”},{“_id”:”YAIXQT3MQZASXEIEXI2CDGWI6E”,”additional_properties”:{“comments”:[],”_id”:”LIIJPNQYNRDEXN2EQHX7IQII4U”},”type”:”interstitial_link”,”content”:”Developer tax breaks continue in Fulton after months of uncertainty”,”url”:”https://www.ajc.com/news/business/developer-tax-breaks-continue-in-fulton-after-months-of-uncertainty/Y52KV276M5E6FEPKQ3EZWGFPJ4/”},{“_id”:”7G3YM3JVCFDWZIC3TMMY4BX554″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988987},”type”:”text”,”content”:”The legislation was prompted, in part, by Georgia Power asking regulators to approve huge amounts of new electricity-generating capacity — mostly powered by fossil fuels — mainly due to the vast number of data center projects across the state. Georgia Power executives have said data centers are responsible for roughly 80% of the demand crunch it says it is facing.”},{“_id”:”JQ6BFNTAQJCTLNKYRHZ4DQAS3I”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988988},”type”:”text”,”content”:”The Georgia Public Service Commission voted last month to greenlight most of the additions Georgia Power requested.”},{“_id”:”7VV3BX3MKJGMHAAEXUUARUAWB4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714649988990},”type”:”text”,”content”:”
“},{“_id”:”UL7IOHEOAVC3HN5NPRWZTLCJHI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714591300037},”type”:”text”,”content”:”
“}],”display_date”:”2024-05-02T12:23:30.733Z”,”credits”:{“by”:[{“image”:{“version”:”0.5.8″,”url”:”https://s3.amazonaws.com/arc-authors/ajc/f358a665-b4b5-411a-a8c8-194e371469ae.png”},”socialLinks”:[{“site”:”email”,”deprecated”:true,”deprecation_msg”:”Please use social_links.”,”url”:”zachary.hansen@ajc.com”},{“site”:”facebook”,”deprecated”:true,”deprecation_msg”:”Please use social_links.”,”url”:”https://www.facebook.com/zachehansen”},{“site”:”twitter”,”deprecated”:true,”deprecation_msg”:”Please use social_links.”,”url”:”https://twitter.com/zach_ehansen”}],”social_links”:[{“site”:”email”,”url”:”zachary.hansen@ajc.com”},{“site”:”facebook”,”url”:”https://www.facebook.com/zachehansen”},{“site”:”twitter”,”url”:”https://twitter.com/zach_ehansen”}],”name”:”Zachary Hansen”,”description”:”Zachary Hansen, a Georgia native, covers economic development and commercial real estate for the AJC. He’s been with the newspaper since 2018 and enjoys diving into complex stories that affect people’s lives.”,”_id”:”zachary-hansen”,”additional_properties”:{“original”:{“lastName”:”Hansen”,”image”:”https://s3.amazonaws.com/arc-authors/ajc/f358a665-b4b5-411a-a8c8-194e371469ae.png”,”role”:”Local News Reporter”,”education”:[{“name”:”The University of Georgia, Bachelor’s of Arts in Journalism, 2017″}],”longBio”:”Zachary Hansen covers economic development and commercial real estate for the AJC. Zach has been with the AJC since 2018 and has worked for the newspaper’s breaking news, features and local government teams.\n\nZach is a graduate from the University of Georgia and has previously written for The Arizona Republic and Bloomberg. He is also a former AJC intern.”,”org”:”ajc”,”facebook”:”https://www.facebook.com/zachehansen”,”affiliations”:”The Atlanta Journal-Constitution”,”bio”:”Zachary Hansen, a Georgia native, covers economic development and commercial real estate for the AJC. He’s been with the newspaper since 2018 and enjoys diving into complex stories that affect people’s lives.”,”author_type”:”Staff”,”expertise”:”18″,”firstName”:”Zachary”,”twitter”:”https://twitter.com/zach_ehansen”,”books”:[],”podcasts”:[],”awards”:[],”custom_ajc_website”:”ajc”,”_id”:”zachary-hansen”,”last_updated_date”:”2023-12-01T15:58:22.684Z”,”byline”:”Zachary Hansen”,”email”:”zachary.hansen@ajc.com”,”status”:true}},”type”:”author”,”version”:”0.5.8″}]},”subtype”:”Article”,”headlines”:{“basic”:”7-building data center campus proposed in metro Atlanta”},”first_publish_date”:”2024-05-02T12:23:30.733Z”,”taxonomy”:{“primary_site”:{“path”:”/news/business”,”parent_id”:”/news”,”name”:”Business”,”description”:”Atlanta business news, Georgia company news, blogs and videos from The Atlanta 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news”},{“text”:”business”}]},”type”:”story”,”last_updated_date”:”2024-05-06T15:17:16.033Z”,”promo_items”:{“basic”:{“credits”:{“affiliation”:[{“name”:”Google Earth”,”type”:”author”}],”by”:[{“name”:”Google Earth”,”type”:”author”,”byline”:”Google Earth”}]},”subtitle”:”Data Center campus”,”width”:1051,”caption”:”This is a map showing the location of a proposed seven-building data center campus in Douglas County, roughly 30 miles west of downtown Atlanta.”,”type”:”image”,”distributor”:{“mode”:”reference”,”reference_id”:”8aec2b8c-455c-4816-903d-79fc8fdf8019″},”url”:”https://cloudfront-us-east-1.images.arcpublishing.com/ajc/NWXOXURKDRE2JKQPADZPUZMDMQ.png”,”height”:673}},”canonical_url”:”/news/business/23-million-square-foot-data-center-campus-proposed-west-of-atlanta/7FQEETMNLJAEJNTNQEAPOHBRRY/”,”_id”:”7FQEETMNLJAEJNTNQEAPOHBRRY”},{“content_elements”:[{“_id”:”YN7PPRIRJREG5ABWW6KH547XOM”,”type”:”text”,”content”:”If you’re considering subscribing to Fubo, you need to be comfortable missing out on some major channels.”},{“_id”:”SPHIXIY4BNAWRA763YBBX5BDE4″,”type”:”text”,”content”:”The live TV streaming service recently dropped channels during a contract dispute with Warner Bros. Discovery (WBD). And there’s no sign that they’ll be coming back any time soon.”},{“_id”:”DKWCPQSNGBA2JFPZFAR2D4CLJQ”,”type”:”text”,”content”:”This leaves customers who pay for Fubo, which is one of the more expensive live TV services, without access to some popular channels like HGTV and Food Network.”},{“_id”:”BKW3X3SH7JCPPPYVOXSY6PCVHY”,”type”:”text”,”content”:”And, perhaps equally as frustrating, it appears as though Fubo is not issuing credits or lowering its subscription fees as a result.”},{“_id”:”2PPVND6U3ZFZHGRRLF4OTCRSOI”,”type”:”text”,”content”:”Let’s take a look at what we know so far.”},{“level”:2,”_id”:”JETHV6NSUNAPXAVKJNP2AZMMGY”,”additional_properties”:{“id”:”h-which-channels-did-fubo-drop”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Which Channels Did Fubo Drop?”},{“_id”:”QYYNJVNIHVB4DFXCOBHELORAM4″,”type”:”text”,”content”:”Let’s start with the bad news.”},{“_id”:”W6JFS7PH2BETDKN5HFE7Z4N2G4″,”type”:”text”,”content”:”Fubo announced that it removed WBD-owned channels from its menu effective 5 p.m. on April 30, 2024.”},{“_id”:”T6QHNDCWY5EPZGBGW6IR7HNO2I”,”type”:”text”,”content”:”This included some well-known channels that were featured on its Pro, Elite, Premier and Latino packages.”},{“_id”:”4CTYNVBRNNGN7LXJDKDZJVD4BA”,”type”:”text”,”content”:”Here’s a list of some impacted channels:”},{“list_type”:”unordered”,”_id”:”2NZICJTQSVGCHIUGYZZW3ACBEU”,”type”:”list”,”items”:[{“type”:”text”,”content”:”Magnolia Network”},{“type”:”text”,”content”:”Discovery Channel”},{“type”:”text”,”content”:”TLC”},{“type”:”text”,”content”:”HGTV”},{“type”:”text”,”content”:”Food Network”},{“type”:”text”,”content”:”Travel Channel”},{“type”:”text”,”content”:”Cooking Channel”},{“type”:”text”,”content”:”Animal Planet”},{“type”:”text”,”content”:”ID (Investigation Discovery)”},{“type”:”text”,”content”:”OWN (Oprah Winfrey Network)”},{“type”:”text”,”content”:”Motor Trend”},{“type”:”text”,”content”:”Science”},{“type”:”text”,”content”:”American Heroes”},{“type”:”text”,”content”:”Destination America”},{“type”:”text”,”content”:”Discovery Life”},{“type”:”text”,”content”:”Discovery Family”},{“type”:”text”,”content”:”Discovery Familia”},{“type”:”text”,”content”:”Discovery en Espanol”}]},{“_id”:”ZCCQ22JIKRA2HBESS53IOSTB7Y”,”type”:”text”,”content”:”You may notice that prominent WBD-owned channels TBS, TNT and truTV are not mentioned.”},{“_id”:”PAMXGKETD5HUFDMEMDX7I7AX4U”,”type”:”text”,”content”:”That’s because Fubo did not have an agreement in place to carry those prior to this dispute. In fact, part of the reason there’s a dispute is the status of those channels and their sports broadcasts. More on that later.”},{“level”:2,”_id”:”FWGS2YRKNBEI3HPISQ65WN4I6I”,”additional_properties”:{“id”:”h-why-is-this-happening-and-what-are-they-saying”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”Why Is This Happening and What Are They Saying?”},{“_id”:”3WWLVMQ62RFXFFEO3ZEJJ5FC3U”,”type”:”text”,”content”:”You may be wondering: Why couldn’t Fubo and WBD come to an agreement prior to the expiration of their contract on April 30?”},{“_id”:”IFEAXDIEMJD35LC3DM3IEH2VYA”,”type”:”text”,”content”:”Well, it’s complicated. “},{“_id”:”TFDFXTTHVNE7RKWBX2PQV3WJWA”,”type”:”text”,”content”:”In February 2024, Fubo filed a lawsuit against WBD and its partners (ESPN, Hulu and FOX) regarding an upcoming sports streaming service. Fubo’s suit claims that the venture is an anticompetitive practice and an attempt to monopolize the market on live sports streaming.”},{“_id”:”L2OXYJZFRFFHLL7TSBSR4HEUQ4″,”type”:”text”,”content”:”And, as a part of its contract negotiations with WBD, Fubo has been trying to add TBS, TNT and truTV to its channel menu.”},{“_id”:”OII5QX3VUFBRNM2KZVUEOGLHSE”,”type”:”text”,”content”:”These channels are among the most popular on the market thanks to broadcasting live sports like NCAA March Madness, as well as regular season and playoff games from the NBA, NHL and MLB.”},{“_id”:”VPE4USV3HFAJXHA3SF2BVOBWFY”,”type”:”text”,”content”:”So, without access to these channels and a standalone streaming service targeting viewers with sports content from those channels in the works, Fubo seemingly has decided to cut all WBD channels and continue with its lawsuit.”},{“_id”:”3UNK7NUEW5CCTCSL6NVYUWOJUM”,”type”:”text”,”content”:”Fubo issued a strongly-worded press release explaining its position in this dispute. Here’s a snippet of that:”},{“content_elements”:[{“type”:”text”,”content”:”\”Warner Bros. Discovery’s refusal to offer Fubo standard market terms and packaging flexibility are more examples of the unfair and anti-competitive practices it and other vertically integrated media companies have imposed on Fubo for many years. These practices, outlined in our recent antitrust lawsuit filed against the joint venture companies, aim to monopolize the market, stifle any form of competition, create higher pricing for subscribers and cheat consumers from deserved choice. Fubo is taking action against these unfair market terms to avoid passing on these extra costs to consumers.”},{“type”:”text”,”content”:”It is clear to us that Warner Bros. Discovery’s actions hurt consumer wallets and limit their choice.\””}],”_id”:”HZBVEGIXVFC7BB2B7IFH56FDYA”,”type”:”quote”},{“_id”:”JN7X4XOCVBAHVFP75TRIFNO4CQ”,”type”:”text”,”content”:”Warner Bros. Discovery responded to this press release with a message published by Variety:”},{“content_elements”:[{“type”:”text”,”content”:”\”Our priority is to deliver the best content, at the best value, to our fans wherever they want to watch it. We have been and remain ready and willing to work diligently with Fubo to reach a fair market agreement. We proposed an extension of our current agreement, with no changes or price increases, that would allow Fubo to continue carrying these networks, and it is unfortunate that Fubo has decided to alienate their own customers in this way.\””}],”_id”:”W567VZL7ENH2NFRK2H3RUG5LXE”,”type”:”quote”},{“level”:2,”_id”:”MXSO47W7XBGQFB5NAS2G447QQA”,”additional_properties”:{“id”:”h-what-should-you-do-in-the-meantime”,”class”:[“wp-block-heading”]},”type”:”header”,”content”:”What Should You Do In the Meantime?”},{“_id”:”CB6BP6DHARA25DVH5ZZTU2TXVU”,”type”:”text”,”content”:”These two streaming companies appear set to battle things out for the long term. That leaves existing Fubo customers in a tough spot.”},{“_id”:”YZEEMN2XEBEPNPGNASR2AYBNAQ”,”type”:”text”,”content”:”As of May 1, 2024, pricing for Fubo’s monthly packages remained the same in spite of the significant cut in channel availability.”},{“_id”:”5T7P3NZN6FG23LTORIYV4N3ZRU”,”type”:”text”,”content”:”This could leave customers without access to channels they enjoy. If you fall into that category, you may want to consider switching streaming services.”},{“_id”:”3465YC2D4FD4VDECYXQLPVDOME”,”type”:”text”,”content”:”I review live TV streaming services for Team Clark, and I have a couple of suggestions for Fubo alternatives.”},{“_id”:”OMVBYY3IN5AVRHM7RX6ZOC27GA”,”type”:”text”,”content”:”First, you could consider YouTube TV. At $73 per month, you’ll find that it’s slightly cheaper than Fubo and that it carries all of the WBD content you likely enjoy already. It also has TNT, TBS and truTV.”},{“_id”:”IXB5GRU3NZEN5HENR52EG6LGVM”,”type”:”text”,”content”:”Another strong alternative is Hulu + Live TV. At $76 per month, you’ll get popular live TV channels along with Disney+ and ESPN+ subscriptions included in the price.”},{“_id”:”EQPO5HSYQJD2RMZLVSUIZHQPRY”,”type”:”text”,”content”:”Both YouTube TV and Hulu + Live TV include unlimited cloud DVR storage and access to your local channels.”},{“_id”:”KJHOBHGXANHH7AQMJBMDQWSHPA”,”type”:”text”,”content”:”The major thing Fubo still has that those two services don’t: Regional Sports Networks.”},{“_id”:”HQRG5WCNIZFQXBF5ISDDIZKIME”,”type”:”text”,”content”:”If you enjoy local NBA, NHL or MLB broadcasts via RSNs like Bally Sports South, Fubo and DIRECTV STREAM are your two live TV streaming options. Otherwise, you may have to look at cable, satellite or paying for the RSN directly (ex. Bally Sports app).”},{“_id”:”P3Z5TU3CWZH5XERQZKS7RYWYVY”,”type”:”text”,”content”:”Will you keep Fubo in spite of this channel outage? We’d love to hear your thoughts in the Clark.com community.“},{“_id”:”P54I4CPT55EAPHPOCHX2ALFHI4″,”additional_properties”:{“href”:”https://clark.com/streaming-tv/fubo-warner-bros-discovery-channels/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},”type”:”interstitial_link”,”content”:”This article was originally published on Clark.com”,”url”:”https://clark.com/streaming-tv/fubo-warner-bros-discovery-channels/?utm_campaign=cmg&utm_medium=rss&utm_source=REFERER”},{“_id”:”CPVQ4I2CKVBNTEMDOO44RWVMEI”,”type”:”text”,”content”:”The post Fubo Drops Popular Channels Amid Dispute with Warner Bros. Discovery appeared first on Clark Howard.”}],”display_date”:”2024-05-01T19:33:56Z”,”credits”:{“by”:[{“org”:”Clark Howard”,”name”:”Nick Cole”,”type”:”author”}]},”subtype”:”Wire”,”headlines”:{“basic”:”Fubo Drops Popular Channels Amid Dispute with Warner Bros. 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The three-phase project, which is expected to take five to eight years to complete, represents a $193 million investment and will employ at least 242 full-time workers.”},{“_id”:”XVQRCDCVPRGONJZPGAV64IDDGI”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714579637250},”type”:”text”,”content”:”Located at 500 Soho Drive, the project’s first phase opens later in May and consists of a $39 million investment and 82 jobs. The facility’s first phase will produce solar photovoltaic junction boxes and solar cables, while latter phases will allow the company to incorporate ethylene vinyl acetate film, cable line plastic material, aluminium solar frames and copper wire into its manufacturing capabilities.”},{“_id”:”QBYK23HONFGWZGXMDBNSWPDHGE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714579637251},”type”:”text”,”content”:”By 2027, Sunmax Tech aims to surpass $100 million in annual sales and capture more than 40% of the North American market for photovoltaic junction boxes and connectors, according to the release. The announcement was first reported by the Rome News-Tribune.”},{“_id”:”FSOQLMIZXVGYZMYXSUYKYBCI3M”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714579637252},”type”:”text”,”content”:”Adairsville is about 60 miles northwest of downtown Atlanta. Kenneth Carson, the city’s mayor, said in the release that his city “provides an ideal environment for Sunmax Tech to thrive and serve its customers with innovative solutions in the renewable energy sector.””},{“_id”:”O6UTCZ5UT5F27OK4SNOI2H2YNA”,”additional_properties”:{“comments”:[],”_id”:”JEXY2EBZPNAWZJ46QTJCGVOZ5I”},”type”:”interstitial_link”,”content”:”Qcells begins producing solar panels at new Georgia plant”,”url”:”https://www.ajc.com/news/business/qcells-begins-producing-solar-panels-at-new-georgia-plant-in-cartersville/LA2MDGKHRFEK3GHQRBQ7YAB26E/”},{“_id”:”HCREIMYN4VCGTPFDMSIZDUFVTA”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714579637254},”type”:”text”,”content”:”The company is joining a thriving clean tech landscape that is rapidly growing across Georgia. Qcells has multi-billion dollar solar panel production plants in Dalton and Cartersville, while the state has attracted dozens of companies across the electric vehicle and battery supply chains.”},{“_id”:”ULAUHATNLRDSFL6ZUXGEL5IRZY”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714402461859},”type”:”text”,”content”:”According to the Georgia Department of Economic Development, the state has announced 53 EV and battery projects since 2018 that combine for $27.3 billion in investment and more than 32,000 anticipated jobs.”},{“_id”:”QBYK23HONFGWZGXMDBNSWPDHGE”,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714579637257},”type”:”text”,”content”:”A Georgia Department of Economic Development spokesperson said no discretionary incentives were offered for this project.”},{“_id”:”ID6MYDE34VEMLEZJLPQ5ESZEW4″,”additional_properties”:{“inline_comments”:[],”comments”:[],”_id”:1714503531222},”type”:”text”,”content”:”
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