I’m Bo Plowden, Watson Spence here in Albany. Our websitewatsonspence.com. I work in the residential and commercial real estate area. It’s been an area that’s been beat up pretty bad the past six months. Maybe three years if you watch the news. However, now is a great time if you own a home to refinance that home. The rates are as low as they’ve ever been on record. I tell most of my personal friends that most people if you’re on a 30 year loan which is probably what you are when you bought your first house or bought the house that you’re currently in, can go to a 30 year to a 15 year basically half the term and your payments if they increase at all probably won’t increase any. You know people are sometimes worried about the closing costs and that’s a legitimate concern. But if you’re planning on staying in your house and you’re a lifer to this area, you’re going to make those closing costs back pretty quick and then start making money over the term of the loan, put some money in your pocket, send your kids to college, buy a lake house, do something with that extra money rather than give it to the banks because the government is giving them plenty.

We are a full service law firm that offers among other things an employment law practice. We have a robust employment law practice headed up by a senior partner Louis Hatcher. Louis has a vast experience in employment issues, representing large companies all throughout the southeast and their employment issues. Also on the plaintiff side as well. Thing to note is that Louis in 2009 got the third largest employment law verdict against Decatur County for retaliatory actions taken against three of their former fire fighters.