Author Terry Griffis

A graduate of the University of North Carolina at Charlotte with a bachelor's degree in finance. Terry now works for Bank of America as a loan monitoring specialist where he analyzes financial statements.

Recently I just reached a five year milestone with my company. I figured this would be a suitable time to reflect on that journey. I believe sometimes the best advice and insight you can give someone is just sharing your story. Fresh out of college at twenty-two, I started my job working at the bank the Monday after my graduation. I was excited just to have a job, let alone one in my field. This first job provided me with some professional structure, experience to platform from, and discernment about my career desires. Appropriate dress attire, scheduling meetings, e-mail etiquette,…

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This morning I read two articles on my way to work. To me they really set a picture of how far we have progressed as a nation, but still how we have so much further to go. I’ll start with the one that was most heart wrenching. A young woman physically assaulted and violated at Stanford University. You can read her emotional, moving, response to the situation in this article. I read all 7,244 words, you should too. https://www.buzzfeed.com/katiejmbaker/heres-the-powerful-letter-the-stanford-victim-read-to-her-ra?utm_term=.ykLJXw9kJ#.vlZ3gXNp3 A jury found her attacker guilty of three counts of felony sexual assault and was sentenced to…six months in jail. No,…

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Everyday we see products being marketed to us in every facet of our life. It could be the rotating ads on the billboards on your way to work. It could be the thirty second infomercial on the radio. It could be from the various companies you follow on instagram. Businesses spend millions to billions of dollars just to make sure there products are seen. Political campaigns spend millions to market one candidate or slander another. The cost of a thirty second ad during the super bowl is five million dollars. My short version definition of marketing is basically the subtle…

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So we’ve talked about budgeting before and its importance. But let’s take it one step further and actually look at some tools to help you get started. If you’re like me and grew up in the tech savvy age, you might be inclined to use something digital that has a good user interface, an app, and that’s easy to set up. My first suggestion, Mint.com, has it all. I used it for some time and I was actually overwhelmed with all the ways you can track you spending habits, your debts, your bills, and all sorts of things. But it’s…

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Around this time of year you see lots of ads, commercials, and media publicizing tax refunds. They promise a certain percentage back, they tell you about special programs, and they tout about the millions in refunds that were handed out last year. And it’s enticing; the average Tax Return last season was almost $3,000. Businesses know this as well, they “discount” TVs, laptops, and other desirables knowing your getting ready to receive a large sum of money. But it’s not a good thing. Basically you’ve given the government a nice loan over the year, and they returned it without interest.…

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With Bas, J.Cole has found the Kanye to his Jay-Z… The “Night Job” Song from J.Cole’s “Revenge of the Dreamers II” , was my first time hearing Bas and I really liked his verse. I didn’t have any expectations for this 12 song album when I found it on Apple Music, but it really blew me away. It’s an album that grows on you the more you listen to it. I don’t think I fully appreciated it until my second or third listen through. The Sundanese rapper from Paris has a lot to say, and he does it with a…

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Quick when was the last time you had to calculate the circumference of a circle in your job? What about the area of a rhombus? Or the Volume of a square pyramid? Only a select few professions use the formulas and terms associated with geometry, but everyone can benefit from lessons in personal finance because it deals with you managing the income you receive regardless of your profession. So why is personal finance not mandatory in high school where Geometry is in most cases? I don’t know, but it’s a question that has peeved me for some time. In my…

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Happy New Year Folks! As 2016 gets into full swing, I think it’s apt that one of your first goals, plans or things you think about is what you want to achieve financially. If you don’t tell your money where to go, then it’ll go on its own before you realize it’s gone. I don’t know if you achieved your financial goals in 2015, but in order to do get closer this year you will have to have a paradigm shift. Reaching financial goals, like many other type of goals, is about habits, consistency, and mental awareness. There’s no get…

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Budgeting during the holidays is a must Tis the season to be jolly and buy nice thing for the ones you love. During this time of the year, people spend lots of money buying Christmas decorations, trees, food for gatherings, and most importantly gifts for their friends and family. All of these things are great! But they should all be decided way before the month of November or December arrives. My Wife and I had a discussion on joint gifts this year for family members, setting the money aside, and looking at deals regarding our shopping. We will be jumping…

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Good day folks! My name is Terry, and I will be your personal finance expert with advice once a month for the foreseeable future. First thing you all are probably thinking is who are you and why are you qualified to give finance advice? I graduated from UNC Charlotte with a degree in finance, and I work for one of the largest financial institutions in america. To continue my quest for better financial knowledge my fiancé and I are currently taking Dave Ramsey’s Financial Peace University. And my first financial tip is going to echo one of his first and…

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