Gene's Bit of Blogging
Savings Advice
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Gene Mundt, Mortgage Lender: Posted on Monday, May 07, 2012 5:39 PM
I May Not Be Yoda,
but I'm Darn Close!
Yesterday, I was reading yet another blog about the low interest rates presently available to home buyers seeking mortgage financing.
Seems another new historic low was announced. Something not quite so noteworthy anymore, as we all have grown used to hearing about how the rates have dipped, dipped, and dipped again.
 And therein lies my big worry, both as a mortgage lender and as a parent. I think buyers have grown quite weary and fairly complacent.
Low interest rates, such as we are seeing presently, should be news that sends home buyers (currently seeking and potential) all giddy. They should be doing a happy-dance.
But although rates remain a topic of interest for mortgage applicants I speak to, the rates we are seeing do NOT stimulate action in the housing market or number of inquiries for financing you would predict. So many potential buyers simply are doing nothing in response.
And I find that sad. That attitude translates into so much potential lost savings . So many opportunities simply being ignored.
I believe that many potential buyers falsely believe they cannot buy. That they will not be approved for loan. It's certainly the mantra repeated by the media. And it seems nowadays, everyone knows someone that knows someone that has an awful story to tell about the financing process. Heck, I even hear it within our own industry.
The truth of it is that there are many successes being celebrated out there. The majority (around 62%) of people that apply for a mortgage loan DO get financing and successfully
buy a home. (Remember, we've seen the result of and are suffering from no one being turned away.)
Now, do mortgage applicants have to work at finding their successes? Yes! Is it easy? No! Are
they frustrated at times throughout the process? H#*$ yes! Should the
process be like this? No! I'm a mortgage lender and I think it sucks that
buyers and those refinancing are put through the ringer like they are. But the
process is what it is ...
So if that is the truth ... and the process is what it is, at least at this point, I ask ... What are you, if a hopeful and/or potential home buyer, going to do? What's your reaction??
I've written some about this in the past ... my own personal experiences with rates, home buying, and financing over my 35+ years within the mortgage and real estate industry. It's been interesting, to say the least.
But over all those years, one thing has remained true for home buyers and those seeking mortgage financing: No matter how bad your financial situation. No matter your credit scores. The situation and your scores CAN be improved and turned around. Help is available.
Okay .. okay ... you're right. I need to add an asterik to those statements ...
- Asterik 1: With time, care, and patience.
- Asterik 2: If willing to do some hard work.
And therein, lies some of the current problem. Many people hate the asteriks. But taking that into consideration, my question becomes this:
If you ever hope to buy a home ... now or in the future ...
Are you going to let those asteriks scare you away from starting the process? Are you going to let the need for some hard work and patience intimidate you into foregoing inquiries about your home buying capabilities and options?
Are you going to let all those stories ... those asteriks ... steal REAL opportunity from you? REAL SAVINGS?? And yes, I said steal. I can talk to you all day and all night about what I think
is the right thing for you to do. And it
will be "yadda yadda yadda" ... just noise in
your ears. Or I can tell you this ...
I may not
be Yoda,
but I'm
darn close!
I'm a mortgage lender, yes. But more importantly, I'm a
husband, a dad, and now a grandfather too. And
that is where my message (and vast wisdom) to you springs from.
I've been there. I've stared-down
growing insurance costs. Rising taxes. Emergency repairs at the home. Health bills for braces, glasses, broken noses, emergency hospital
trips.
I've had to come-up with unexpected costs ... dues for
sports camps, traveling leagues. I've shelled-out extra for Size 15 Nikes.
I've looked college payments in the eye.
And I'll tell you ... your child you never thought you'd hear it from? Yep, even
MORE schooling ... LAW school! Then wedding
plans start. Times 2 ... within 6 months of
one another. Heart-tugging Grandchildren aren't far behind.
All of these expenditures and more might be in your
future as they were in mine, you just never know. So take it from someone that knows ... you need to look for, and take
advantage of, every savings when you can.
Listen to Yoda ...
The savings you
can and will reap by buying now and locking-in a historically low interest rate?? Cha-Ching!
The savings you can and will reap through the lower housing prices found in many
markets right now? Cha-Ching Cha-Ching!
Those savings WILL come in mighty handy later
... believe me.
Forget whatever negative you have heard. Take action.
Reach out. Pick-up a phone. Text.
Email. Whatever! Do it on your break. At lunch time. Before you head to bed.
Ask your questions. Don't just accept what you're hearing on the news ... or from others, no matter who they are. Fight for every option, work for every advantage, every opportunity you can
find. You owe it to yourself and your future.
Contact me. Even if you have challenging financial and credit
issues. Get started on bettering your finances and future. It costs you zippo ... absolutely nothing to talk to me.
You'll be glad we talked. I'll be glad to hear from you ...
* You can find me in several convenient ways:  Direct: 815.277.4036Cell/Text: 708.921.6331 At Skype: 630.219.1316 Through Your Mobile Device:
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Credit Repair, Buying a Home, Credit Reports/Fico Scores, Financing, Mortgage Lender, Mortgages, Working with a Mortgage Professional, Credit and Financial Counseling, Announcements and News, Gene Mundt's Client Services, First-Time HomeBuyers, Money-saving Strategies, Savings Advice, Communication, Asking credit and mortgage questions, home buying, Right Time to Buy a Home, Home Ownership, Clients, Interest Rates, Cost of Living and Bills
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Gene Mundt, Mortgage Lender: Posted on Monday, March 05, 2012 5:13 PM
* Food for thought:
According to the 2010 Current Population Survey (conducted annually by
the U.S. Census Bureau), there are about 7.5 million unmarried
opposite-sex couples cohabiting in the United States today, a well as
another 620,000 same-sex couples. The same source reported that married
couples now account for only 48 percent of all households.
 More and more often, especially with young, first-time home buyers, I am assisting unmarried partners with their mortgage financing ... and I'm seeing huge differences in many of their money-handling styles and skills. While I see it in older couples too, the differences often are far more dramatic in the young. It's very clear ... one partner is the saver, the other is the spender. The conversations I have with them certainly reflect that too, as do their credit report(s).
Right now, I am working with a young, unmarried couple hoping to buy their first home and obtain a mortgage. Well, I should say ... SHE is hoping to buy a home. I'm not sure about him. SHE has been the catalyst of each and every call. Every piece of information or documentation I receive to advance their mortgage comes from HER. He has been forthcoming with little. He's also been very non-committal and evasive with answers. I'm a bit unsettled about him, to be truthful.
Now this young couple, may or may not end-up completing their sales transaction. I say their chances are 50-50 at best right now. The outcomes depends on how persuasive SHE can be. And if he quits dragging his feet and finally commits to the process.
It's just my opinion too, but I think this couple has bigger issues that should concern them. Their credit reports read like a life story. While both partners are young,
they are old enough to have already established financial outlooks, habits, and
distinguishable spending personalities. Theirs are vastly different on all counts. Extremes. And because of that, I see all sorts of problems before them long term. Red flags screaming out "Warning!" and "Caution!"
 Should this couple hope to have a long, happy, and successful future together, I'd suggest they have a sit-down and talk about their finances ...soon. Possibly even counseling. I think they need to be honest with each other about their financial histories (something I think she is possibly unaware of ... or doesn't understand the ramifications of) ... and their financial goals and dreams for the future. There should be no surprises ... no secrets kept between them.
They, as well as any couple (married or unmarried), should both know, understand, and then commit to what financial responsibilities lay before them. They should also know just how and what they hope to contribute as they move forward together ... and how and what they hope the other will contribute as well. An indepth, lengthy, honest conversation is warranted.
And as unromantic as it sounds, especially for this couple and other unmarried couples, this conversation needs to cover any future "what-ifs" ... and how those "what-ifs" affect them legally, should they part or die.
Unmarried partners must not assume that the legal options and protections provided them are the same as for married persons. It is my opinion that protections ... legal protections ... need to be arranged and put into place for each in this couple. That is especially so prior to a large financial purchase/commitment, such as this home ... or a car.
Unfortunately, I do not see much financial harmony within MY young home buying couple right now ... or the likelihood of any real indepth communications between them or any attorney occurring in the near future. Time will tell if they can make a "go" of this, or not. I'm hoping they prove me wrong ... and all ends-up well.
But I urge anyone hoping to buy a home with someone else, especially as a non-married partner ... discuss your plans and goals with one another. Then talk to a knowledgeable, experienced real estate attorney prior to making the financial commitment of buying a home or other large financial purchase. Understand and know your options and possible outcomes. Love and protect yourself enough to take these precautions ...
* In need of mortgage and credit advice? Some mortgage and financial planning guidance? Contact me. I'll put my experience and expertise as a mortgage lender and financial planner to work for you. Together will work towards a successful home purchase and find the financial solutions that suit your present financial needs and your future goals. Direct: 815.277.4036 Cell/Text: 708.921.6331 Skype: 630.219.1316 |
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From: Anita Clark, Realtor LLC, Coldwell Banker SSK Realtors, Warner Robins, GA - Guest Blogger: Posted on Monday, February 13, 2012 1:19 PM
Although Anita adds helpful tips and suggestions for those that live in the Warner Robins, Ga area ... or are thinking of relocating to that region ... this information will prove useful for Veterans, no matter their location.
As noted by Anita Clark, please inquire as to the individual establishment's/retailer's participation in these discounts prior to purchase. Participation is based solely upon the individual locations discretion.
Hope the information and opportunities for savings posted here helps all the Active, Reserve, and Retired Vets out there. You most certainly have earned them .. and much more. As always, thank you for your service ...
Gene
Please forward to all active duty, reservists, and retired US military personnel you know …
Discounts galore at over 200+ stores for vets and their immediate family members.
Remember to ALWAYS show your military or retired ID. Happy shopping...You deserve it!
Verify with the store/organization that the discount is still available. Participation by business owners is at their discretion.
1-800-Flowers - 7% to 60% off A&W - Discount varies ADT Security - Discount varies Advance Auto Parts - 10% off Aeropostale - 20% off in-store Agentsource.com - Up to 40% off standard real estate closing costs for active duty moving in the US or Canada Alamo Rent A Car - Discount varies American Airlines – Discount varies American Eagle - 10% off (manager discretion) American Video Productions -10% off Amtrak - 10% off Anchor Blue - 10% off Anheuser – Busch Amusement Parks - Discount varies Anna’s Linens - 10% off any in-store purchase Apple Computers - Discount varies, sign up here Applebee’s - Discount varies Arby’s - Discount varies Ashford University - Discounted tuition at $250 a
credit, books are covered for all required courses, waived application
fee, and waived technology fee Armed Services Mutual Benefit Association (ASMBA) - Free membership and free $5,000 AD&D coverage. See my ASMBA post for more details. AT&T - Discount varies ATG - $10 off home and garden products Auto Zone - Discount varies Avis - 25% off, online customers use coupon AWD # A555084 Azamara Cruises - Discount varies Back Yard Burgers - Discount varies Banana Republic – 15% in-store discount off regular priced items (varies by location) Barnes and Noble – 6% off regular price plus free shipping Barnhill’s – Discount varies Bass Pro Shops – 10% off from the 15th to 22nd of each month Bath & Body Works – Discount varies Bed & Breakfast Inns – Discount varies Best Inns and Suites – Discount varies Best Western – Discount varies Beyond Blossoms – 20% off all flower orders throughout the year Big 10 Tires – Discount varies Blockbuster – Discount varies Boscov’s- 15% off in-store purchases Boston Bill Sunglasses - 10% off Boston Market - 20% off Bronson Labratories – 10% off vitamins/supplements Buckle – 10% off, free shipping Budget – Discount varies, up to 25% off time and mileage Budget Truck Rental – Discount varies Burger King – Discount varies Camino Real Apartments - 5% discount Captain D’s – Discount varies Carl’s Jr. – Discount varies Carnival Cruises - 10% off Champs Sports - Discount varies Charlotte Russe - 10% off Checker Auto Parts - Discount varies Chevy’s Fresh Mex - 20% off Chick Fil A - Discount varies (location dependent) Chipotle - Discount varies Choice Hotels - Discounts varies Ci-Ci’s Pizza - Discount varies (location dependent) Cingular - Up to 18% off your bill and 25% off accessories Clarion Inn - Discount varies Cold Stone Creamery - Discount varies Comfort Inn - Discount varies Coolmilitary.com - 10% off on-line purchases Copeland’s Sports - Discount varies Cracker Barrel - 10% off D.S.W. Shoe Warehouse - 10% off Dairy Queen - 10% off (location dependent) Days Inn – Discount varies Dell Computers – Discount varies Denny’s - Discount varies Dick’s Sporting Goods – Discount varies DIRECTV - Discount Varies. Ask about the $75 Visa Gift Card for new subscribers Discovery Channel Store – Discount varies DISH Network - Discount varies, call 866-395-9955 for details Disney Resorts – Discount varies Disneyland – Discount varies, must buy ticket at the gate Dollar Car Rental – Discount varies Drugstore.com - $10 off $50+ orders & free shipping Dunkin’ Donuts – Veterans advantage members save 10% on all online orders El Molino Coffee Shop – Free shipping Express Clothing Store – 10% off Extreme Outfitters – 10-20% off miiltary gear, on-line and in-store Eyeware - Discount varies, get the discount on-line Fatbikez.com - 18% off. Coupon code: Military Finish Line - 20% off Foot Action - 20% off Foot Locker - 20% off Ford - Discount varies Forever 21 - 10% off Friendly’s Ice Cream Stores – Discount varies GameStop - 16% off all used games & DVDs Gander Mountain - 5% off Gap – 10% military discount 1st of every month (varies by location, in-store only) Geico – 2% to 15% in all states except Georgia,
Indiana, Maine, Massachusetts, Michigan, Mississippi, New Jersey, New
Mexico, Tennessee and Texas GM – Discount varies GNC – Discount varies Golden Corral – Discount varies Great Wolf Lodge - Discount varies Green Island Apparel - 10% off Greyhound - 10% off or ask about the $209 round-trip anywhere in the continental U.S. fare Haber Vision - 50% discount on all sunglasses Hanes Outlet Store - 10% off Hard Rock Cafe - 10% off Hertz – Discount varies Hewlett-Packard – Discount varies, on-line company code is 2727 HickoryFarms – 10% off, online code is 892848 Home Depot – 10% off, in-store Hooters - 10% off IHOP - 20% (location dependent) Imax – $1 off movie tickets Inkshouse – 20% off $50 or more purchase, use cod Mil20 ISZY Billards - 10% off (except case lots) - Java Cafe - Discount varies
- Jeep – $500 off
- Jiffy Lube – 10% off
- Jockey – 10% off
- KB Toys - 15% off during advertised Military Days
- Kimpton Hotels & Restaurants - Discount varies
- K-Mart - 10% off entire order (online only)
- Kohl’s – 10% off
- Kragen Auto Parts – Discount varies
- Lady Foot Locker - 20% off
- Lerner – 15% off
- Long John Silver’s – Discount varies
- Longhorn Steakhouse – 10% off
- Lowes – 10% off everyday
- Macy's - Save $10 on orders over $75
- Marriott Hotels – Discount varies
- Maurices - 10% off
- Mary Kay Cosmetics - 10% off online orders
- McDonalds - Discount varies
- Meineke - 10% off parts. In store only
- Michaels - 10% off each Wednesdays
- Midas - 10% off
- Moe's - Discount varies
- Napa Auto Parts - Discount varies
- National - Discount varies
- Nautica - 10% off
- New York and Company - 15% off
- Nextel - 18% off
- Nickelodeon Hotels - Discount varies
- Nike - 10% off
- O'Reilly Auto Parts - Discount varies
- Oakley - Discount varies
- Office Depot - Free next day business delivery on orders over $50
- Old Navy - 10% off
- Pac Sun - Discount varies
- Panda Express - Discount varies
- Payless Shoe Source - 10% off
- Pep Boys - 10% off
- Pizza Hut - Discount varies
- Play It Again Sports - Discount varies
- Quizno’s – Discount varies
- Race-Depot – 10% off, use code 10MILCITY
- Rack Room Shoes – 15% off
- Raising Cane’s Chicken – Discount varies
- Ralph Lauren Outlet Store - 10% off
- Ramada – 15% to 30%, depending on availability
- Red Robin – Discount varies
- Regal Movie Theaters – Matinee prices for all show times
- Ripley’s Attractions and Museums – Discount varies
- Roadrunner - $25 savings on nationwide auto shipping
- Rocky Mountain Chocolate Factory – 10% off
- Rocky Mountain Tracking – 5% off, use code USMILITARY
- S & K Men’s Wear – 8% off, free shipping on orders over $99
- Sally Beauty Supply – Discount varies
- Samsonite – 15% off
- Schubach Jewelers - 10% off
- Seventh Avenue - 10% off
- Ship Any Car - $25 off
- Shoe Carnival – 10% off
- Sierra Suites – Discount varies
- Six Flags Mountain Magic – Service members receive
special discounts on admission for special events and specific dates.
Tickets must be purchased in advance on-base at MWR or ITT
- Sizzler – Discount varies
- Sleep Inn – Discount varies
- Smooth Fitness - 10% off
- Sonic - Discount varies
- Southwest Airlines – Discount varies (not available on all flights)
- Spencer’s Gifts – Discount varies
- Sports Authority - Discount varies
- Sports Chalet - 10% off
- SportsMemorabilia.com – 10% off, use on-line code mili10
- Sprint Business – 15% off
- Suzuki - $500 off
- Sweet Tomatoes - 10% off
- T-Mobile - 15% discount on monthly service and waived activation fees
- Taco Bell – Discount varies
- Target - $5 off orders over $50
- Texas RoadHouse – 10% off
- The Finish Line – 20% off (location dependent)
- The Melting Pot – Discount varies
- THMotorSports - 5% off
- Timberland Outlets - 15% off
- Tommy Hilfiger - 10% off
- Toyota – $500 off + $500 for first-time buyers
- Travelodge – Discount varies
- U.S. Postal Service - Free Care Package Kit
- Under Armor Outlet Store – 10% off
- United Artist Movie Theaters – Matinee prices for all show times
- Verizon – 23% discount on monthly bills. Applies only to military member’s primary line
- Walgreens – 10% off each Tuesday
- Wendy’s – Discount varies
- Wet Seal - 10% off
- Wheels Next - $50 off regular priced wheel and tire combos
- Wing Zone – 10% off in Alabama
- World of Coca Cola – $2 off standard admission price for service member and up to four guests
- Wyndham Hotels – Discount varies
- Zaxby’s – 10% off
Military relocating to Robins AFB…As a retired Air Force spouse, I understand the unique challenges you face during a PCS move.
Visit Homes for Sale in Warner Robins
to preview the complete list of Houston County and Warner Robins Real
Estate or call me at (478) 960-8055 so we can discuss your Warner Robins Real Estate needs.
Anita Clark Realtor LLC Coldwell Banker SSK Realtors Cell: (478) 960-8055
Office: (478) 953-8595 x227
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Gene Mundt, Sr. Vice President - Chicago Bancorp: Posted on Tuesday, January 03, 2012 4:00 PM
Seeing the Light ... a Simple Guide to
New Light Bulbs
 Back in 2007, a new law entitled, "The Energy
Independence and Security Act" was signed.
It was expanded upon in 2010. As
a result, new requirements and efficiency standards were placed in line for the common light bulb.
Well, I walked
down the light bulb aisle at Home Depot about a week ago and Wow! Talk about confusing! So over this
weekend, I did a little reading ... and I thought I'd share what I
found. Hopefully it will prove
beneficial to you and the links provided will serve as some guide when you're
shopping for light bulbs next time.
First: The bulbs that are being phased-out are the
four most common incandescent bulbs used ... the 40-watt, 60-watt, 75-watt, and
100-watt bulbs. Sales and supplies of these
bulbs will not automatically cease upon the implementation date of the new
standards. Stores will be able to sell
their existing supply of 100-watt incandescent bulbs until they're out of
stock. Manufacturers will not be able to
produce any more of the bulbs, based on their old energy-emitting standards
beyond the law's implementation date.
Second: Forget the old standard terminology. What you need to know and understand now is
"lumens". New light bulb
packaging will be required to display "LIGHTING FACTS". This should be helpful to you while trying to
make a comparison of products and buying.
Here's a handy guide that will help you replace your old wattage bulbs
with those rated on lumens:
- To replace a
100-watt incandescent bulb, look for a bulb that gives you about 1600 lumens.
If you want something dimmer, go for less lumens; if you prefer brighter light,
look for more lumens.
- Replace a 75W bulb
with an energy-saving bulb that gives you about 1100 lumens
- Replace a 60W bulb
with an energy-saving bulb that gives you about 800 lumens
- Replace a 40W bulb
with an energy-saving bulb that gives you about 450 lumens.
Third: Other terminology that will now become
important refer to the bulbs appearance as "warm" or
"cool". The bulb you choose
for a specific location will most likely be based upon your personal taste for
these conditions of lighting.
 Fourth: You DO stand to save energy and money through
replacement of your old bulbs with the new.
But how much?
Below is a
rule-of-thumb guide, as to those savings:
- Energy Saving
Incandescents — about 25% energy savings
- CFLs — about 75%
energy savings
- LEDs — about 75% –
80% energy savings
It's estimated
that an ENERGY STAR CFL bulb typically
lasts up to 10 times longer than your old traditional bulbs. And ENERGY STAR qualified LED bulbs do even
better, lasting as much as 25 times
longer.
Yes, these new
more energy-efficient bulbs cost more initially. That can't be argued. But if you truly realize the savings
predicted above over the life of your new bulbs ... you'll be hearing
"cha-ching"!
Fifth: So you make the decision to replace your old
bulbs and invest in new, more energy-efficient ones. What other information regarding the new
bulbs will be helpful moving forward?
Because CFL's
(Compact Fluorescent Lights) contain a small amount of mercury within them, at
the end of their lifespan, these bulbs should be recycled. That recycling can be accomplished in a
variety of ways, but below are your most convenient and accessible.
Just a note too
... ENERGY STAR-qualified bulbs earn a ENERGY STAR label by meeting the energy
efficiency requirements set forth in ENERGY STAR specifications. ENERGY STAR is the government-backed symbol
for energy efficiency helping us all save money and protect the environment
through energy-efficient products and practices. They provide a replacement program to protect
your purchase, should the bulb you buy not work. This is a feature that could be very helpful
and cost-wise, given the upfront expense of the new bulbs.
Also, please note that not all
bulbs are being phased out. Be aware
that the following are not effected by the new law. The Energy Security Act focuses primarily on
"general service light bulbs."
A long list of specialty light bulbs, including plant lights, bug
lights, appliance bulbs (such as refrigerator lights), colored
"party" bulbs, rough service, 3-way incandescent, and candelabra base
bulbs are presently on the exemption list.
Some of exceptions will be reassessed in 2020.
I hope the above
information "sheds some light" on the topic of the new federal
standards surrounding light bulbs for you.
* Taking steps to save money is always wise. Why not see if you can save money within your present home by refinancing ... or buying a home VS renting. It costs you nothing to inquire and get the answers you need. Contact me today! I'll be happy to talk over your personal financial scenario and seek a money-saving solution for you. I can be reached through any of the following means: Direct: 815.277.4036 Cell/Text: 708.921.6331 Skype: 630.219.1316 |
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Gene Mundt, Sr. Vice President - Chicago Bancorp: Posted on Thursday, October 20, 2011 4:58 PM
Maybe the following has become a more personal worry to me this last year because I became the grandfather to a beautiful baby girl last October. That certainly has brought the urgency of the following topic "home" to me.
 In the not too distance past, having conversations with a daughter concerning finances, credit, and buying a home just never would have happened. Thankfully, those times are now behind us.
But for daughters and women in general, the need to talk and learn about this topic takes on special significance and urgency. Two facts drive this need:
First, according to a 2006 study by Harvard University's Joint Center for Housing Studies, the following is currently true:
The average age when a woman first marries increased as more women
sought education and career before committing to a relationship. (And I add: IF they ever married/committed)
Secondly, the next statistic is now true ...
Among Americans 65 years of age and older, 42% of women, but just 14% of men, are widowed. (The cold hard fact is women live longer and generally marry/commit to older men, increasing the probability of them outliving their partner.)
These two facts speak volumes about the great need to educate females regarding a host of today's financially-based topics, such as credit, careers, savings, financial planning, buying homes, debt management, and more.
 That said, it is also true that right now the percentage of single female home buyers is much higher than that of single males. 2010 statistics from the National Association of Realtors (NAR) place single female home buyers at 20%, to just 12% single male buyers. The number of single female buyers is growing quickly too. The percentage of single females buying a home on their own today has doubled, in comparison to the 1990's.
Using these statistics and facts, and then pairing them with the unique and beneficial set of circumstances that surround home buying in the current market (historically low interest rates and falling/lower home prices making it very appealing and more likely that single females will buy) ... you can see how great the need and urgency to have "that talk" and for educating our country's young females in regards to all financial topics actually is.
The stated statistics and facts also unfortunately indicate that females are likely to be making some pretty important financial decisions on their own at some point in their future.
So parents ... educators ... real estate professionals ... financial planners ... loved ones ... we need to step-up and address their needs NOW. Make the information available in a variety of ways, at varying ages. We also must make sure that when asked questions, we answer them honestly and thoroughly with an eye to female needs.
We must see that females get the proper tools and education they need regarding financial issues so that they can make sound decisions when called upon ... or when choosing to do so. This will better equip them during their future, protect them financially, and also help them benefit more fully from their financial decisions as well.
Contact me if I can be of assistance in any way ...
* I can be contacted at any of the following: Direct: 815.277.4036 Cell/Text: 708.921.6331 Skype: 630.219.1316
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Credit, Buying a Home, Financing, Importance of Credit, Real Estate Advice, Credit and Financial Counseling, Financial Planning, Savings Advice, Communication, Debt, Education, Asking credit and mortgage questions, Seeking Advice, Education Opportunities, Children, home buying, women
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