Soka University is a private, four-year liberal arts college and graduate school located on 103-acres in Aliso Viejo, California.
Soka is ranked in the top 10 liberal arts colleges in California by USA Today and Top 10 Best Value among national liberal arts colleges by US News and World Report’s “Best Colleges 2018.”
The mission of Soka University is to foster a steady stream of global citizens committed to living a contributive life. About 60% of Soka University’s students come from the U.S. and 40% have come from more than 45 other countries. Admitted undergraduate students whose annual family income is $60,000 or less may be eligible for Soka Opportunity Scholarships which cover full tuition. Additional scholarship opportunities are available for higher income levels.
All undergraduate students study a non-native language, and everyone studies abroad for a semester during their junior year (included in tuition and required for graduation). Undergraduate students may choose from concentrations in Environmental Studies, Humanities, International Studies or Social and Behavioral Sciences -- with a new Life Sciences Concentration to open in Fall 2020.
SUA students have now been accepted to graduate schools at many prestigious universities, including Harvard, Yale, Oxford, Stanford, USC, UCLA, UC Berkeley, UCI, Georgetown, Columbia Teacher’s College, Hawaii Law, Cornell, Duke, Boston, NYY, Cambridge and London School of Economics. Every under-graduate at SUA graduates with a Bachelor of Arts in Liberal Arts, which has qualified students for graduate school in such diverse fields as law, education, economics, statistics, urban planning, psychology, diplomacy, environmental studies, mathematical finance, international development studies, international education policy, international studies, conflict analysis and resolution, Japanese language and literature, Latin American politics and human rights, environmental legal studies, history, peace studies, East Asia regional studies, public affairs, sociology, anthropology, entertainment industry management, second and foreign language education (TESOL), creative writing, screenwriting, literature, global affairs, art education and medicine (with extra science classes.)
Where can a Liberal Arts degree take you? Many places!
Founded upon the Buddhist principles of peace, human rights and the sanctity of life, SUA is open to top students of all nationalities and beliefs.
Friday, October 20, 2017 @8:00 PM
John Welsh Band creates a sound that blends high energy Latin, West African, reggae, and folk-rock rhythms that get crowds moving wherever they perform.
A world traveler by nature, John Welsh lived and studied in Central America where he was heavily influenced by the music, language, and culture. Joined by his brother Chris, bass; Nathan Larsen, drums; Devin Modugno, lead guitarist; and Nigerian born, Courage Eigbike, who brings his reggae and West African influenced sound to the group. Together, the band creates songs with the vision of bringing their world music sound to a mainstream audience.
Performing in both English and Spanish the John Welsh Band wins over audiences with a high energy show that emphasizes crowd participation, upbeat rhythms, and singalong choruses. Winner of the 2016 Fraser Valley Music Award and declared one of Vancouver’s best bands of 2016 by Vanmusic, the John Welsh Band has “a natural command of the stage combined with infectious toe-tapping songs that puts one in mind of sunny beaches and happy times” (CBC Vancouver). www.soka.edu
Tickets: $20 ($16 student/senior/military)
Insulating Your Investment and Installing a View of the Future
Average temperatures in White Bear Lake, Minnesota range from -6 degrees Fahrenheit to 106. It isn’t difficult to calculate the beneficial cost of installing new windows and doors against the price of keeping a heater or air conditioning unit running year round, just to take the edge off.
Dan and Jackie Gagan are no strangers to the highs and lows of a Minnesota season, and have taken their weather expertise straight to the market with Shamrock Windows and Doors. In 1986, Dan began in the business sweeping the shop floor of a wood window and door company. Quickly progressing to building the doors and windows which led him to the field, where he began installing them himself. “I started my own business because I felt we could do it better.”
Escaping to the milder California climate 31 years ago, Dan and Jackie have built their business on the firm belief that they are giving customers the best quality service and products, “in today’s technological market.” Being comfortable in one’s home is tantamount to their customer service guarantee: “we want to make sure our customer is happy. We have a 93% referral rate, and repeat customer base.”
Carrying both a glazing and a general contracting license, Shamrock is also unique in that they do not need to subcontract jobs out. “Our installers are all company employees: and we back the work all our people perform,” says Dan. With experience of more than 32 years, and an installation crew boss with more than 18 years of knowledge backing his own work, Dan and Jackie Gagan have an immense amount of pride in their team. At times, with specific jobs, they call on a structural engineer to ensure that expansions of openings do not compromise the stability of the home during an earthquake. But as general contractors, “we’re licensed to perform changes in window or door size, and location.”
With everything from single hung windows to casement or bay windows, Shamrock has the frame you’re looking for, to match the style and price you want. Don’t know much about materials? Their team of industry professionals can help you sort out the differences between wood, fiberglass, vinyl, and aluminum. Some require more upkeep - some are simply more efficient at enabling ventilation during inclement weather. Regardless of the conditions you’re facing: be it -6 or balmy 75 degrees, replacing old windows and doors can provide extra savings in your pocket and a high level of comfort in your home.
Shamrock Windows and Doors is located at 23288 Del Lago Drive in Laguna Hills. Connect with Dan, Jackie and their team by calling (949) 586-8570 or visit www.shamrockwindowsanddoors.com
October 5 – 7, 2017 in Samueli Theater
One word most wonderfully describes this extraordinary evening featuring two of the cabaret world’s leading singers and songwriters: Divalicious. Segerstrom Center welcomes music divas Amanda McBroom and Ann Hampton Callaway as they help kick off the 2017-18 Cabaret Series celebrating classics from the Great American Songbook and also entertaining audiences with their own works. Pianist and acclaimed songwriter Michele Brourman accompanies the duo in these stunning nights of song and storytelling, October 5 – 7 in Samueli Theater.
Amanda McBroom is described by Broadway World as “… one of the greatest night club performers of all time. Her lyrics are profound and express human emotions in glorious poetry. Her humor is so smart and she sings and acts it all brilliantly.” She first came to the attention music lovers when Bette Midler’s version of Amanda’s song “The Rose” hit number one all over the world in 1979.
Callaway is one of the leading champions of the Great American Songbook, having made her mark as a singer, pianist, composer, lyricist, arranger, actress, educator, TV host and producer. Voted recently by Broadwayworld.com as “Performer of the Year,” Callaway is a born entertainer. Her unique singing style that blends jazz and traditional pop, making her a mainstay in concert halls, theaters and jazz clubs as well as in the recording studio, on television and in film. She is best known for her Tony®-nominated performance in the hit Broadway musical Swing! and for writing and singing the theme song to the hit TV series The Nanny. Callaway is a Platinum Award winning writer whose songs are featured on seven of Barbra Streisand’s recent CDs. The only composer to have collaborated with Cole Porter, she has also written songs with Carole King, Rolf Lovland and Barbara Carroll to name a few.
Single tickets are $89. They are available online at SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236.
Leo is a six year old cutie with a shining personality. A Jack Russell Terrier mix, Leo just loves to play fetch and is great on leash. Most of all, he enjoys simply being by your side. He would prefer to be an only dog and not having to share your attention. Could little Leo be the dog for you?
Meet Wink, a 1 ½ year old kitty who’s had a rough start in life. When she first arrived at the shelter, she had a severe and painful eye injury. Luckily shelter staff, veterinarians, and a volunteer group made sure she got all the medical help she needed. Now, she’s all healed up and ready for a new home. Even missing an eye, Wink won’t be kept down! She just loves to run around playing with toys and then basking in the afternoon sun.
Six month old Kevin is an adorable neutered male gray-and-white dwarf mix rabbit now ready for adoption. Initially a tad shy, Kevin doesn’t mind being held or petted once he’s in your arms. He is inquisitive and likes to check out what people are doing when they’re close by. Kevin has good litter box habits and will make an excellent indoor bunny for a lucky home!
Looking for a furry friend but short on space? Perhaps a petite pet would suit your needs. Frank the hamster has a big personality in a teensy, tiny package! You will just love watching him run on his hamster wheel and stuffing his cute little cheeks with seeds. Once you meet Frank, he’s sure to win your heart.
If you would like to know more about the animals listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617, or visit with them at 221 Avenida Fabricante, San Clemente.
They say those who can’t do, teach. But they also say that while we teach, we learn. In fact, Seneca said that. The Roman philosopher Seneca. So which is true? Stephanie Frisch hails from a family of teachers. And she would have to agree with Seneca. “I’m always learning. I want to know everything there is to know.” In the world of insurance, the demand is high for those who are dedicated to teaching the consumer, rather than taking them simply as a commission.
What do you really know about your insurance policies? Has anyone ever sat down and explained insurance to you in a way you really understood? Medicare Advantage plans, Medicare Supplements and Prescription Drug plans, Covered California, Individual and Family plans; chances are, mostly likely not. As the owner of Insurance 101 Services, Stephanie is taking an industry norm and turning it on it’s head.
“I come from an all-teacher family. I learned a long time ago how to properly and thoroughly inform my clients. And I believe that a personalized, caring approach is what it takes to garner trust with folks who at a base level, have no idea what the terms are, or what the provisions of the plans mean.” Specializing in senior needs - such as Medicare plans for South County residents, Stephanie is faced with unique situations daily. “As the demand grows for this type of service, I find that my successes lie in earning the trust of my clients. The actual business is just one factor. Caring for the whole person is the key.”
Her old-school approach is unrivaled. Rarely does a broker find the time to spend one-on one with a client, let alone achieving any sort of true human interaction in the world of text messaging, multi-password online applications, and automated 800-number customer service recordings. “I keep contact information and notes from past conversations with all of my clients. When someone calls me, I see their name pop up on my phone and I greet them personally. I love helping people, and bringing a personal touch to the impersonal world of insurance is key. You can’t rush when you do what I do.” Having the knowledge and savvy to navigate the insurance world is one thing. Having the patience to wade through the headlines and get to the heart of the issues speaks to a deep desire to do right by her clients. “It’s my responsibility,” she notes.
Sifting through the sludge of government issues, printed articles, and healthcare propaganda is enough to drive any American toward feeling as if the premium they are really paying is in lifeblood, not dollars.
“What I provide is ‘value added’ to what customers pay in their insurance premium,” says Stephanie. “I don’t personally charge for my consulting service. I’ve been told that my method of explaining insurance makes it easier to understand than any other way my clients have been told before. And I’m really trying to help them, not sell them. I want to know everything about the products I offer to people and what is going on out there. 65 looks and acts a lot younger than it used to. They want the information that will help them be proactive about their lifestyle, and I help them find that.”
Be it working, traveling, parenting, surfing, running marathons, practicing yoga - you should be informed. If you’d like to understand your options and benefits better, Stephanie’s the one to call.
Q: You’ve been a one woman show for more than 11 years now, what prompted you to bring Carlos Aguilar on board to Stephanie Frisch Insurance 101 Services?
A: Carlos and I are fellow Rotarians in San Juan Capistrano. He’s exactly the same age now as I was when I started my career in insurance. The company he worked for relocated and he was looking to find something that allowed him to work closer to home and his young family and still stay involved in the community of San Juan Capistrano. Carlos was born and raised here in San Juan and when I found out he was fluent in Spanish a light bulb went off in my head! This is what I have been missing in my business; the ability to help the large Latino population not only in San Juan Capistrano, but also the surrounding communities. Because of the language barrier for many, they don’t understand or even know about their options when it comes to getting help from Covered California or Medicare Advantage plans. I haven’t been able to help them up to this point but now Carlos can. I have full confidence in Carlos’s ability, and he has been trained by me and has full access to me with any questions in order to help him take good care of his client’s needs.
Q: So Medicare open enrollment starts October 1st and ends on December 7th.
A: Well, first off, even though open enrollment begins on October 1st, applications can’t be taken until October 15th, I wish that wasn’t the case. But October 1st is generally when Medicare.gov releases all the updated plan information for the 2018 Medicare Advantage plans and Stand Alone Drug plans. The drug formularies are also updated to reflect any changes made to what prescriptions are covered, how much they cost, if prior authorization is now needed or if there are quantity limits.
Q: Do you feel like there are good plan options out there for those Medicare beneficiaries looking to make a change?
A: I sure do. Especially for those that are in the St. Joseph/Hoag Health healthcare system and still paying for a Medicare supplement and prescription drug plan. It’s been about 3 years now that St. Joseph/Hoag Health has now been a part of the Medicare Advantage plan scene. These plans have great benefits, include prescription drug coverage, have additional add-on benefits to enhance the value of the plan and have NO monthly premium. They still need to continue to have the Part B Medicare premium deducted from their Social Security check (or pay it to the government if they’re not yet taking SS) if they enroll in one of these plans, but it’s a huge monthly savings for people.
Q: Are there any Medicare Advantage plans that were offered in 2017 that aren’t being offered in 2018 that the readers should be aware of?
A: Yes, I’ve been speculating on this plan exit for years, the benefits have been going downhill annually while the premiums go up. Anthem Blue Cross PPO will not be offered in 2018. First off, this is a Medicare Advantage plan that includes prescription drug coverage NOT the Anthem Blue Cross Medicare supplement plan. So many people (doctor office staff included) refer to Medicare supplement plans as “PPO’s.”
There is no “in and out” of network with a Medicare supplement plan like there is with a Medicare Advantage plan PPO. If people on this plan don’t enroll in a new plan, they will be back to just Original Medicare with no prescription drug coverage and they will be stuck there for all of 2018! They should call me as soon as possible to schedule a consultation if they’re one of these people, they’ll get first priority on my appointment schedule.
Q: Let’s talk about health insurance for those under 65. Is the open enrollment time period the same this year?
A: In many other states it’s much shorter this year, but California has a strong commitment to making sure that no one is left without coverage. Open enrollment starts November 1st this year and ends January 31st just like last year.
Q: I heard that Anthem Blue Cross will no longer be offering insurance in 2018 for Orange County, is that right?
A: Well first of all, this applies to the individual and family plans purchased directly from Anthem Blue Cross and from Covered California only. But yes, that’s right. Anthem’s decision to pull out of Orange County (and many other surrounding counties) will have no impact on coverage for the remainder of 2017. In the 2018 renewal and open-enrollment periods, consumers will have to select another insurance company and plan. Anthem was more expensive in 2017 than Blue Shield and lacked the flexibility of a PPO, so I had already moved many people off of their Anthem plan last fall. 84% of doctors contracted by Anthem are also available through another health plans too, but that can be a tricky and time consuming task to research.
Q: What should someone do if they do have an Anthem plan and need to select new insurance for 2018?
A: Those Anthem consumers who have their coverage through Covered California and don’t do anything will be renewed automatically into the lowest-cost plan offered by another carrier in their same metal tier. This could mean major headaches as they realize that they no longer have the same access to doctors and hospitals. For those that bought directly from Anthem or through an agent, if they do nothing they will lose their coverage and have no insurance for 2018. This could be catastrophic! The best thing for people to do if they currently aren’t working with an agent is to get into contact with me. Carlos and I can help them find the best coverage to meet their needs and their budget.
Q: Looking back on health coverage in 2017, did any changes happen that you think people should be aware of?
A: Yes! As us July 1st, under a new state law, if you visit an in-network facility - such as a hospital, lab or imaging center - you will be responsible only for your in-network share of the cost, even if you’re seen by an out-of-network provider. The law applies to non-emergency services. Also, at the beginning of the year starting January 1st, 2017, you can’t be billed out-of-network charges for both emergency room and physician services.
This does not cover the 5.7 million people who are on employer-sponsored insurance plans however.
If you’re interested in learning more about what Stephanie can do for you, contact her directly at (949) 351-2443. If you need help with the next stage in your life or have any questions about insurance, you can count on Stephanie to point you in the right direction.
The idea of a time capsule is not a new one. Made with the intention that they should be opened at a later date to help future generations understand the current time more accurately, or to recall a celebratory time in history: like a World’s Fair, or momentous birthday. A collection of moments, or trinkets, or letters of memory are often included: personal artifacts that shed light on a distilled moment in time.
Tom and Nicole Ladegaard are no strangers to the idea of personal artifact. In fact, they make it their business to gently tread through the stories of seemingly run-of-the-mill lives and dredge up the extraordinary details. The details that make the finding so sweet- and the telling worth the time.
Originally dedicated to practicing law, Tom found that one of the most critical tasks he performed on a daily basis was recording witness testimony in depositions. “I developed a knack for arriving prepared, asking probing questions, and following verbal and nonverbal cues of the interview subject.”
Being deeply empathetic led Tom to ask questions of his own grandfather - “I began with a couple (questions) and it just snowballed. What began as a simple project to share with the family became a video and a book about his life.” My own grandfather passed away a little over a year ago. We were close: he, a regular attendee of my soccer games from the time I could walk; I, visiting him during office hours at the college campus at which he taught. And yet, there were so many things I wish I had to carry with me now that he is gone. I stumbled upon Eternal Roots after his passing, and wished that I had found it sooner.
“We launched Eternal Roots after realizing that the value of these pieces was not just something I enjoyed- that a person’s oral history was hugely important to their family and by pairing it with photographs, we could create a memory capsule to cherish forever.” Offering a variety of package options, clients can choose from just the highlights, to a three-hour interview, complete with photos, a fully transcribed book divided into chapters, and memory stick flash drive, ready to upload on any device.
“Take comfort knowing your story will live on,” says Tom. “We’re just a vehicle to celebrate your individuality. The things I found out about my 96-year-old grandfather were some of the most valuable memories of my life - imagine what might surface under guided introspection and reflection, and reconnect your family with its past.”
It comes as little surprise that the project is starting to gain momentum. Tom has interviewed a lumber executive, a pet foods executive, a painter, an author, and anesthesiologist, and an attorney. Next up? A race car driver. “Each of these people now have a priceless artifact connecting them with their children and grandchildren.”
People are starting to pick up on the idea in smaller ways too - with tribute videos that can be shown at anniversaries, birthdays, or other celebrations. “When someone records their story, it provides a bridge between them and their offspring. They’ll learn details about their heritage they never knew, as I spend ⅓ of the interviews detailing my client’s ancestry, as far back as they can go.” Where else can a moment in time be explored over the span of five generations?
The second phase of the interviews cover the client’s own timeline and life story: a personal topography, if you will, charting the lay of a life and exhibiting it for those most cherished to discover. The third phase? Reflection. “We cover the client’s philosophies, spirituality, life lessons, successes or failures. Future generations may see glimpses of themselves in the storyteller, and grow from the experience.” I always knew that my grandfather and I shared a deep love for the outdoors, but how I would love to be able to listen as he told his favorite stories from the trail over and over now that he is gone. Sharing his vast experience in the wild: and living on, collected, in legacy.
The earliest example of a time capsule referenced is typically the Detroit Century Box. Brought to life from the imagination of then mayor, William C. Maybury, it was created on December 31, 1900 - scheduled to be opened a century later. With Eternal Roots, your handcrafted capsule from Tom’s detailed interviews and Nicole’s concept and graphic design assistance, you can relive those distilled moments every day if you like, for the next century and beyond.
Live Music Performed by Pacific Symphony
December 7 - 17, 2017
Misty Copeland and Daniil Simkin will lead the opening night cast on December 7 dancing the roles of Clara, the Princess and Nutcracker, the Prince, respectively. Subsequent casts include Sarah Lane and Herman Cornejo, Gillian Murphy and James Whiteside, Stella Abrera and Alexandre Hammoudi, and Hee Seo and Cory Stearns in the leading roles. The Nutcracker is a beloved holiday story set to the magical score by Peter Ilyitch Tchaikovsky. The Los Angeles Times declared, “Choreographer Alexei Ratmansky has made his own Christmas miracle: a joyful ‘Nutcracker’ ballet that is ravishing and clever enough to inspire multiple viewings.”
Scenery and costumes are by award-winning designer Richard Hudson and lighting is by Jennifer Tipton. Pacific Symphony performs the evocative holiday music. Select students from the American Ballet Theatre William J. Gillespie School at Segerstrom Center are afforded the opportunity to perform alongside the renowned ABT troupe in this classic tale that takes the young, romantic Clara and her Nutcracker Prince on a dreamlike journey.
Single tickets for American Ballet Theatre’s The Nutcracker start at $29 are now available online at SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket discounts for 10 or more, call the Group Services office at (714) 755-0236.
My sister was hit by a snowboarder when she was sixteen. On skis, just a couple of turns from the bottom of the hill - in plain sight of a SLOW sign. The snowboarder was young; not as young as my sister, but still, a young man. My parents, long-time skiers, contacted him directly, trying to see if they could get any results at all: any reparations for their high-school sophomore, laid up on the couch for innumerable weeks. There was nothing they could do. I remember feeling helpless as a child, watching the entire drama unfold. I can’t imagine what my parents must have felt. No one could help. No loopholes. No empathy, from anyone else involved.
There is a longstanding joke in the mainstream media that all lawyers are snakes. The word attorney no longer brings to mind the grainy black and white image of Gregory Peck defending the downtrodden as Atticus Finch. Certainly, in some cases, the joke must contain some shred of truth. But at Allen, Flatt, Ballidis & Leslie, the welcoming, family-like environment they’ve curated isn’t too far off from the home ambience of the fictional Finch family. Folks who actually want to do good in the world. Right wrongs. Obtain real results.
Suzanne Leslie is a managing partner and attorney at Allen Flatt for more than 30 years, and prides herself on the reputation they have built. “Our years of experience have given us more knowledge in the personal industry field than other law firms can claim. What sets us apart is exactly as our tagline says: experience, compassion, results.”
As a firm, Allen Flatt have helped many families through the emotional trauma of a great many personal injury cases. Though they have attorneys that focus on estate planning, preparing wills, trusts, and contest matters, personal injury hits the closest to home. “We care about our clients, and our primary focus is to help them deal with the difficulties of being involved in an accident- be it pedestrian accident, automobile accident, slip and fall, or dog bite.” Handling the claims process for their clients lets them pursue their medical recoveries in peace, unlike my sister, or my parents. Fighting a losing cause often takes more energy than simply healing - or letting someone else rest, to do battle with their own body and take the necessary steps to get back to normal: whatever the new normal looks like.
Offering a free consultation, with the promise that no recovery means no fee, attorneys like Suzanne offer their services on a personal level. “I started out in the personal injury field to help people. I want to make sure my clients feel taken care of through every second of their claim.” Recognized by the American Institute of Personal Injury Attorneys and the National Association of Professional Women, Ms. Leslie has recovered millions of dollars for clients and thousands of settlements for clients.
“Everyone in the firm shares compassion for the clients more than on a business level, and many of us have had first hand personal experience in what they may be going through,” she says.
As a leader in her field, it is imperative to stay abreast of the newest strictures and developments in insurance law. The more she knows, the better her chances of winning your case. Atticus Finch would probably tell you that winning isn’t everything. But sometimes, to folks like my parents, to whom winning would mean seeing my sister get the reparations for her accident paid out, and letting her find her way back to walking again, winning is the only thing.
Trusted, tried and true. That’s the reason why United American Mortgage has been successful for over 20 years. Since 1993, UAMC specializes in providing mortgage-financing solutions to homeowners and homebuyers.
You’re almost tired of reading about it but it’s true: the mortgage meltdown hurt more than a few and people are still trying to recover. It’s hard to know whom to trust. With many mortgage companies competing and failing, UAMC has found itself expanding into 9 states. Originally formed to provide for the specific needs of Southern California borrowers seeking mortgage products tailored for them, UAMC has made it their personalized business to get to know and help you.
“We’ve grown substantially because we have the ability to adapt to the ever-changing marketplace,” says UAMC President Al W. Hensling. “We are in the home business, the helping-people business. Yes, it requires us to at times work around the clock. Yes, we have to keep up-to-date on the latest products and regulations. We take our clients and what we do seriously because at the end of the day, everyone should either be in the home of their dreams or keep the one they love so much. To some people, it’s just paperwork and numbers. But to us, it’s personal. It’s home.”
Their incredibly impressive, rare, referral-only business model may also be the key to understanding their success, as customers flock just to see if UAMC truly walks the walk. To them, offering you efficient, cost-effect and timely service is just a day’s business. These days, most companies feel the need to plaster those words all over their advertisements. UAMC doesn’t need to express that they go above and beyond, they just think that it should come standard. “I guess you could say we just want to help how we can. Since our business is referral based, we truly get to know your family and friends.
UAMC continues to evolve with new products and financing solutions to the ever-changing Southern California real estate market. While many have given up the idea of owning a home or even refinancing, UAMC holds to the knowledge that today’s new and innovative programs are making it easier than ever to purchase or refinance.
“After a period of time in which it was extremely difficult to obtain a mortgage, things have started to normalize and lending guidelines are starting to loosen,” says Al. “The ‘Mortgage Meltdown’ created a great deal of uncertainty in the marketplace and made it difficult for so many to secure financing. We understand that a lot of people are scared to see where they stand and that’s ok. We just want you to know that it doesn’t have to be this way. Most of our clients feel the same way. Some people tell us they didn’t even want to find out about their options in the first place because they didn’t understand the jargon. Well, we aren’t the company that just explains things once. We’re with you step by step, no matter what.”
“If you’re considering anything in our sector then consider us the right team for the job,” Al says. “Call us, visit us online, or stop by the office anytime. We’re always on standby to see how we can help you. Don’t let the mortgage meltdown of yesterday affect where you’re at today. We’ve got the cutting edge techniques and knowledge to help your unique situation. We’re ready to meet your challenges and assist you into getting or keeping your home!
As the economy continues to grow and we experience job growth, more families will have an opportunity to experience the ben- efits of home ownership.
“As the Economy continues to grow and we experience job growth, more families will have an opportunity to experience the benefits of home ownership. Clients always ask what is going to happen to interest rates. I really wish I had that crystal ball to answer them accurately. It is difficult to say what rates will do, as markets have not reacted to this economy as they had previously. I counsel clients to borrow based on need and what they can afford. Loan programs are changing almost daily. As we move farther away from the mortgage meltdown of 2008, more and more programs and financing options will open up. But always be wary of the deal that sounds too good to be true. Even though recent changes have cleaned up the lending industry, there are still people out there that are not looking out for the client’s best interest. Families should always determine the experience level of their mortgage professional, along with checking references from previous clients.”