Lighting Conversion Plan

In 2007, Congress passed an energy act that required new energy-efficient standards for basic light bulbs. Standard incandescent bulbs are being phased out and eventually will be unavailable. The alternative bulbs differ considerably in price. LED bulbs are the most efficient but they also cost the most. CFLs are a less expensive alternative. Interestingly, the[…]

Cash-In Refinance

Would someone really refinance their home and not take money out of it? Certainly, if they could get a lower rate, build equity faster and pay off the home sooner. For people with extra cash available, this can be very attractive compared to the low savings rates being paid by banks. In the example below,[…]

Up-front Points to Lower the Rate

When loans are quoted by lenders, most buyers pay attention to the interest rate but not so much to the points that may be charged along with the rate. A point is one-percent of the mortgage amount and considered pre-paid interest that affects the yield on the loan. Buyers or sellers can pay points but[…]

Make Your Offer Standout

If a seller was looking at two offers for exactly the same price on their home, there would still be things that could make one standout more than the other. If there happens to be more than two offers, things can really get sticky for a buyer. For that reason, it is good to craft[…]

Why Learn?

As markets improve and the year rushes to a close, we see more classes being scheduled around the country. Agents will decide which courses look the most interesting or benefit them (and their career) the most. Some are taken for the Continuing Education credit, some for designations and/or certifications and some, yes it’s true, are simply[…]

Better Than Sex?

The Campiagn for Learning in the U.K. recently compiled research on an age-old topic: learning. Basically, the article was focused on sharing some statistics in order to get people to see the UPside of learning. Some of the information they shared was:   95% of people think that learning about new things boosts your confidence. (National[…]

We Work Enough. Go Play!

The trail is calling, or is that your life? According to a recent survey, America’s mid section will do nothing but get larger in the next twenty years.  No, we’re not adding geography to the Midwest by adopting Canada. The geography being added is to our mid sections, our waistlines. A Duke University study tells[…]