Have you ever thought of simplifying your life? Find out if owning a Villa, Townhouse or Condo might be right for you. Listen in to hear what the experts have to say about the differences between these types of homes.
The Paula Exarhou Team specialize in representing residential home buyers and sellers, new construction purchases and building, investment property, condominiums and villa home communities and land purchases. Paula is the #1 seller of villas in the beautiful Chesterfield villa community of Picardy. The Paula Exarhou Team serve all of St. Louis County, St. Louis City, St. Charles County, Chesterfield, Wildwood, Ellisville, Ballwin and surrounding areas.
Did you know 5 Star Auto Plaza can work on your car? Dan Grosvenor, Owner of 5 Star Auto Plaza, decided to ask his 93 year old Grandma to be the face of his service department. This was a philosophy that they adopted internally several months ago to make sure that every retail service customer was treated like they were our grandmother. After hearing so many stories of other shops selling things to people that they didn’t really need, Dan felt it important to get his message out there.
5 Star Auto Service center is open to the Public! Most other big chain service center employees are paid by average ticket price which means that you may be recommended services that you really don’t need. That will NEVER happen with 5 Star Auto Plaza! Call today and set up your appointment 636-940-7600.
Follow the link below for some great service specials:
Bill Bayer, with Lighthouse Growth Resources, is a seasoned stock trader, business consultant, money manager, business owner, speaker, writer, husband, and father.
Every business owner and manager would like to see their company grow and flourish. This can be challenging in good economic times. It’s even harder in times like this. Sure, you can go at it alone, but you will accomplish much more with our team of experienced professionals walking alongside you.
Lighthouse Growth Resources helps small business in the greater St. Louis area reach their full potential by offering effective, hands-on consultation and other practical tools tailored for the small business, family business, and not-for-profit organization.
Whatever challenges you or your business face — whether you need help fixing specific problems or simply want to continue to learn and grow — Lighthouse Growth Resources can help you and your business thrive.
Bill is passionate about seeing people succeed and grow. Everything Bill does is centered around helping people achieve success. His dream is to see you achieve your dreams.
.He believes that true success is balanced success. True success requires a balance of personal growth, quality relationships, financial wisdom, and career success. After years of consulting on the business side, I’ve found that true success in business is linked to success in our personal and family lives.
What Bill Does
He is an entrepreneur at heart. He is the Owner & CEO of Lighthouse Growth Resources, a company devoted to helping small business and nonprofits achieve success through individual consulting, bookkeeping services, and digital media marketing.
Business consulting, specializing in owner coaching, mergers & acquisitions, succession planning, and financial forecasts.
Wealth management, both offering advice and managing money for individuals.
Creating other practical resources on leadership, business management, personal development, and wealth management
Writing Weekly Insight articles on a variety of topics related to personal development, personal finance, economy and current events, and business success.
Audio 1: Bill Bayer on the Economy and Housing Part 1
Audio 2: Bill Bayer on the Economy and Housing Part 2
Lenders are the ones who give you the money — either directly or through a third-party — to fund your loan. They have various names based on how they acquire their clients and what they do with your loan after it is funded.
Retail vs. Wholesale vs. Correspondent Lenders
(How Customers Are Acquired)
Retail lenders reach out directly to consumers. For example, Wells Fargo has loan officers in local branches who perform all loan origination functions. Retail lenders are sometimes referred to as “Direct Lenders.” Retail lending can be done face-to-face in a bank branch, online or on the phone.
Wholesale lenders fund mortgages acquired through brokers who work outside of their company. The brokers find customers and take loan applications and then sell the loan applications to wholesale lenders to fund.
Correspondent lenders are a mix between brokers and retail lenders. They technically fund loans with their own borrowed money but typically lock in rates with other lenders at the same time. This mitigates their risk because they can quickly turn around and sell the loan. Continue reading Mortgage Broker vs. Mortgage Banker→
Bryan Kelsey has been in the Real Estate industry for over 2 decades. His success and expertise covers a great deal of territory in the industry, as he has been successful as an agent (closing $40 million his final year), as a sales manager, and as the owner of 3 successful real estate companies. Listen in to what Bryan has to say about the book, “The One Thing” as he highlights the six lies between you and success. Bryan is set to help independent sales people in the pursuit of lead generation, lead conversion, and the equipping them to bring the transaction to close. For most of his career, Bryan’s focus has been on creating systems that help agents succeed at pricing, seller-servicing, contract negotiations, and the generation of new leads. His wealth of research and testing has been converted into a powerful and tested system, resourced with great scripts and techniques. Bryan has a unique way of helping agents not only know WHAT must be said in key situations, but also HOW it must be said and WHY it must be said.
Is an ARM (Adjustable Rate Mortgage) the right loan for you? Some think that interest rates aren’t low enough to justify refinancing. However, don’t miss the opportunity that an ARM may present. Moving to a 15 year fixed is popular because the interest savings can be big. With the lower interest rate comes a much higher payment. That lack of cash flow is what might lead someone to explore an ARM. When is it right for you? ARM criteria:
You plan to live in your home for a limited time; less than ten, seven years or even less than five years. This is usually guided by life events. Maybe you bought a starter home and you know you’ll want to upsize. Maybe you are close to retirement and will want to downsize. Maybe you are just ready to move up to a bigger place. I’ve seen several people that want to move to be closer to their kids.
Don’t take an adjustable rate loan to stretch the amount of your home purchase.
Keep good cash reserves (6 months of house payments) in case you still live in the home when the rate adjusts.
Stephen Schultz with Schultz & Myers Law Firm joins us in studio to review the watercraft laws of Missouri Lakes and Rivers. He shares his experience on and off the water when dealing with injury cases and reminds listeners about some of the restrictions Missouri has in place.
Join us this Sunday at 4pm on FM NewsTalk 97.1!
Schultz & Myers Law Firm
999 Executive Parkway Drive Suite 205
St. Louis, MO 63141