Ok, today we are going to talk about avoiding probate conflicts by setting up a living trust. Wills and living trusts are legal documents that distribute property. Both are useful estate planning tools, but there are important differences. Here’s what every homeowner needs to know about living trusts…. If you are looking for a top-notch mortgage broker in Vernon call us at, 860-870-0700

With few exceptions, some of the first words we learn as kids are “Please” and “Thank you”. As parents, we're constantly reminding our kids to say these words because as a culture, we tend to be repelled by people who lack social graces. If showing appreciation is such an integral part of human interaction, how might you use appreciation to differentiate yourself and improve your marketing results? Here's how... For more information, Please call us at 305.733.3063

OK, today we’re going to talk about the BIG “A” word… AMORTIZATION that is! The length of time it takes you to pay off your entire mortgage is called the amortization. But don’t fall prey to the misconception that a longer amortization is better. In most cases, the opposite is true. Here’s what every homeowner needs to know…. If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Purchasing a house is a big step. Here are 7 Factors for Choosing the Right Home at the Right Price... If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

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 are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

OK, today we’re going to talk about how to achieve your goals… Any chump can set a goal. But it takes a champ to achieve it! So, what separates the champs from all the rest? I’m glad you asked. Here are 5 simple steps to achieve any goal… If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

We’ve all heard about the wealth accumulation rule called “pay yourself first”. But billionaire Sir John Templeton had an even more powerful idea called the 50/50 rule. Here's the Billionaire Wealth Secret... If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

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 are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about when an all-cash offer is the right move… Surprisingly, lots of people make all-cash offers on houses. According to one study, up to 29% of single-family home and condo purchases in 2017 were all-cash. Here are the advantages and disadvantages to purchasing a home with all cash… If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

I'm not a financial advisor, nor am I an expert in investing, but in these turbulent economic times it's more important than ever to discuss this important and controversial topic... Even today, both mutual funds and real estate still offer investment potential. Wondering which is better? Here are a few things to consider.... If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Get ready – today we’re about to shatter a few common refinancing myths that may shock you… Refinancing your mortgage can save you money, give you more flexibility and free up cash for other projects. But many people hesitate to even inquire about refinancing because they’ve bought into these common myths. Here are 6 common refinancing myths every homeowner needs to know… If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

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 are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

Ok, today we are going to talk about some things you should never put on a credit card… Credit cards make purchases more convenient. But in some cases, that convenience comes with too high a price. Here are 6 things you should never put on a credit card… If you are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

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 are looking for a top-notch loan officer in Houston call us at, 713-961-5363.

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 713-961-5363 Or Visit www.thespiegelgroup.net

Welcome to Real Estate Marketing Sin #4. 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 713-961-5363 Or Visit www.thespiegelgroup.net

Welcome to Real Estate Marketing Sin #5. "I know that 50% of my advertising is wasted... I just don't know which half!" -John Wanamaker There's nothing worse than spending money on a marketing campaign and not knowing whether it worked or not. It's even worse when you continue to spend money on a marketing campaign that you think is working, but really isn't. There's only one thing worse than moving in the wrong direction, and that's moving in the wrong direction enthusiastically! Here's the only way to invest in your marketing efforts with confidence and sustainability.... In next week's tip, you'll learn the secret for improving your lead-to-sale conversion rates --so you can maximizey our ROI on every ad dollar you invest. Stay tuned.. For more information, Please call us at 713-961-5363 Or Visit www.thespiegelgroup.net

Welcome to Real Estate Marketing Sin #7. When it comes to effective Realtor marketing, there are 3 keys to success: 1. The right market-the people who are most likely to need, want and pay for your services 2. The right message-that hits the hot buttons of your target market and elicits response 3. The right media -that delivers your message to the highest concentration of your target message If any one of these 3 critical components is missing from your marketing plan, your results will suffer. Here's how you can supercharge your results.. For more information, Please call us at 713-961-5363 Or Visit www.thespiegelgroup.net

Welcome to Real Estate Marketing Sin #8. Did you know that your prospect receives, on average, over 3,000 marketing impressions a day? With all the "marketing clutter" bombarding your prospects' on a daily basis, it's becoming more and more difficult to capture people's attention, let alone get a response! So, how do you differentiate your business in a way that separates you from the competition and makes you STAND OUT? Here's exactly how you do it.. For more information, Please call us at 713-961-5363 Or Visit www.thespiegelgroup.net

Are you tired of spending your hard earned money on advertising that doesn't work? Discover how SUPERSTAR Realtors get other people to do their advertising for them... for FREE! Here’s how they do it...In tomorrow's 9th secret you'll find out how Superstar Realtors have their names every where. In books, newspapers, magazines, billboards-- everywhere you look, you see their name. Tune in to our next message and find out how they do it...It's one message you won't want to miss. Stay tuned. For more information, Please call us at 713-961-5363 Or Visit www.thespiegelgroup.net