Ok, today we’re going to talk about how to keep your kids’ out of debt. The last time I checked, the average student’s debt is currently almost $30,000, and it’ll be even higher by the time your kids graduate! The truth is most young people—and often their parents—can’t afford that kind of debt, so it ends up damaging their credit rating and ability to buy a house and raise a family. Of course, the best way to prevent such problems is to avoid massive student debt in the first place. Here are 5 tips to avoid student loan debt. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Ok, today we are going to talk about the pros and cons of house flipping. It’s possible to make a lot of money by flipping properties. But it’s not as easy as it sounds, and there are just as many pitfalls as there are rewards. Here are 4 pros and cons of house flipping. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Ok, today we are going to talk about 4 home improvement jobs that are difficult to do yourself. Doing home improvement projects yourself can save a lot of money and provide a sense of accomplishment. But some DIY projects can go terribly wrong, leading to wasted time, extra expenses, and friction between loved ones. Here are 4 home improvement projects that are risky to take on yourself. If you're looking for a top-notch loan officer in Houston, call us at (713) 961-5363 or visit www.thespiegelgroup.net.

Choosing the best mortgage from all the available lenders out there can be complicated. There are so many terms, features, restrictions and potential penalties to keep in mind. But at least mortgage rates are easy to compare—all you have to do is choose the lowest one, right? Think again! Choosing the lowest rate is only straightforward if all the rates are stated the same way and include the same things. Here are a few "insider secrets" you need to be aware of. If you're looking for a top-notch mortgage advisor in Highlands Ranch, call us at (720) 243-5409.

Ok, today we are going to talk about how to buy a home, even if you have bad credit. Obviously, if you have good credit, it’s easier to qualify for a mortgage. But that doesn’t mean home ownership is out of reach if you have bruised credit. Here are 5 ways to qualify for a mortgage (even if you have less than perfect credit). If you're looking for a top-notch mortgage advisor in Highlands Ranch, call us at (720) 243-5409.

Ok, today we are going to talk about 4 ways to get the lowest possible refinance rate. If you’re thinking about refinancing, there are ways to make your rate even lower than you think. Here are 4 ways to make sure you get the lowest possible refinance rate. If you're looking for a top-notch mortgage advisor in Highlands Ranch, call us at (720) 243-5409.

Ok, today we are going to talk about 4 ways to get the lowest possible refinance rate. If you’re thinking about refinancing, there are ways to make your rate even lower than you think. Here are 4 ways to make sure you get the lowest possible refinance rate. If you're looking for a top-notch mortgage advisor in Highlands Ranch, call us at (720) 243-5409.

Welcome to Real Estate Marketing Sin #4.

Most Realtors believe -- either consciously or unconsciously --
that once you "close the deal" and the client walks out the door,
then the deed is done and you just move on to the next prospect.

What they don't realize is that their next prospect might have
just walked out the door!

Most Realtors tend to be "hunters" instead of "harvesters".
Top producers, on the hand, understand the importance
of both.

They understand that a new customer typically costs 5 to 10
times more than a repeat customer.

That's why they focus on getting 60% to 70% of their business
from their existing client database through referrals and
repeat business -- and you should too!

Here's how they do it...

In next week's tip, you'll learn the secret for mitigating the
risk of losing money when advertising and how to boost
the ROI on every ad dollar you invest.

Stay tuned...

For more information, please call us at (732) 722-5819 or visit www.unionhomemortgage.com/gfish.

Welcome to Real Estate Marketing Sin #3.

Ever wondered how fast food franchises like
McDonalds or Wendy's run like finely-oiled
cash machines?

Notice how they do the same things, the same
way, every single time.

Unfortunately, most Realtors never take the time
to "systematize" their business, which results in
duplication, waste, chaos and ultimately, lost sales.

Here are 4 types of "systems" to implement in your biz...

In next week's tip, you'll learn the secret for maximizing
your repeat and referral business.

Stay tuned...

For more information, please call us at (732) 722-5819 or visit www.unionhomemortgage.com/gfish.

Welcome to Real Estate Marketing Sin #2.
In today's video, you'll learn the importance
of planning.

Studies show that small businesses that create --
and consistently use --marketing plans experience
an average of 30% higher sales than those who don't.

Wouldn't you like to increase your sales by 30%?

Here are 4 Simple Steps for Creating an Effective
Marketing Plan...

In next week's tip, you'll learn the secret for getting
your business to run like a finely-oiled machine,
giving you true autonomy, freedom and peace of mind.

Stay tuned...

For more information, please call us at (732) 722-5819 or visit www.unionhomemortgage.com/gfish.

Have you ever wondered why some Realtors® quickly
skyrocket to success while the majority continues to
struggle just to eke out a meager existence?

Little things make a big difference. That's true in marriage,
parenting, and in marketing yourself as a Realtor.

Too often as business owners we get caught up in the
"thick" of "thin things" and we lose touch with what
really drives success in our business.

In this new 8-part video series, I'm going to highlight
8 deadly real estate marketing sins that could be
crippling your business growth.

Here's Real Estate Marketing Sin #1...

For more information, please call us at (732) 722-5819 or visit www.unionhomemortgage.com/gfish.

OK, let’s talk about rates. Let’s face it, when it comes to getting a mortgage, everyone wants the “lowest rate”. I mean, why not save a few pennies, right? Sure, a low rate is important, but choosing your mortgage and lender based on rate alone can be a BIG mistake. With that in mind. Here are 4 factors to look for beyond a “good rate”. If you're looking for a top-notch mortgage advisor in New Jersey, call us at (732) 722-5819.

Have you ever wondered if it’s better to pay off your credit card debt instead of building your savings account? Regardless of your current circumstances, here are a few things to consider. If you're looking for a top-notch mortgage advisor in New Jersey, call us at (732) 722-5819.

Ok, today we are going to talk about 5 ways to pay for home improvements. Have you been considering a home improvement project lately? Maybe you’d like to add an extra room, more floorspace to your home, or simply update your kitchen and bathroom. Whatever your plans, you first have to decide how you’re going to pay for it. Here are 5 ways to fund your next renovation or home improvement project. If you're looking for a top-notch mortgage advisor in New Jersey, call us at (732) 722-5819.

Emergencies come in all shapes and sizes, from a hurricane to furnace failure. But no matter how big the emergency, they’re always expensive because they’re serious and rarely happen during regular business hours. Here are 5 ways to help pay for emergency home repairs. If you're looking for a top-notch mortgage advisor in New Jersey, call us at (732) 722-5819.

If you're anything like me, keeping records of income and expenses--and convincing your spouse to do the same--can be a real challenge. Here are a few tips that you might find helpful. If you're looking for a top-notch mortgage consultant in Houston, call us at (713) 398-1890.

Ok, today we are going to talk about how you can use your cell phone bill to increase your credit score. Experian started adding cellphone and utility payments to credit reports. While this may sound insignificant, the new data could boost credit scores and increase loan approvals for millions of people. Here are 4 steps to using your cell phone bill to get a higher credit score. If you're looking for a top-notch mortgage consultant in Houston, call us at (713) 398-1890.

Ok, today we are going to talk about the pros and cons of house flipping. It’s possible to make a lot of money by flipping properties. But it’s not as easy as it sounds, and there are just as many pitfalls as there are rewards. Here are 4 pros and cons of house flipping. If you're looking for a top-notch mortgage consultant in Houston, call us at (713) 398-1890.

As any good real estate professional will tell you,setting the right price for a home is a mix of technical knowledge and intuition. Realtors have to rely on their experience, knowledge and feel for the market. But there’s more to it than that. Here are 4 factors that smart Realtors rely on to set the right listing price. If you're looking for a top-notch mortgage consultant in Houston, call us at (713) 398-1890.

Before you consider refinancing your existing mortgage, it’s important for you to determine the break-even point, which represents how soon the cost of the refinance will be recaptured through lower monthly payments. The answer to this question depends on multiple factors. Here's what you need to know before refinancing. If you're looking for a top-notch mortgage advisor in Maitland, call us at (407) 275-5112.