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Elizabeth Kinsey, Loan Originator with PrimeLending, NMLS #404460 Interviewed on the Colorado Real Estate Podcast

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6 months ago

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Elizabeth Kinsey, Loan Originator with PrimeLending, NMLS #404460 Interviewed on the Colorado Real Estate Podcast

Published on December 16, 2022

Elizabeth Kinsey discusses the differences between mortgage Buydown vs. ARM

Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-elizabeth-kinsey-loan-originator-with-prime-lending/

 An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change over time. The changes in the interest rate are tied to an index, such as the Secured Overnight Financing Rate (SOFR) which is used as a benchmark for setting interest rates. ARMs usually start with lower interest rates than fixed-rate mortgages, but the rate adjusts periodically, usually annually or semi-annually, based on movements in the underlying index.

Mortgage buydown* refers to someone paying additional points at closing to reduce their mortgage payments during the early years of their loan term. Buydowns help borrowers by initially giving them a lower payment since they make pre-payments towards the interest to reduce the amount due each month. These points may be paid by a third party, such as a homebuilder or the seller.

The reduced payments typically last for one to three years, after which the loan rate adjusts to the current market rate, and payments could increase significantly. It is important to note that while mortgage buydowns can provide relief in tight budgets, they will add to total borrowing costs over time.

Elizabeth said: “Both mortgage Buydown and ARM loans offer advantages and disadvantages that should be carefully considered before making your choice. With an ARM, you can usually get a lower initial rate than with a fixed-rate mortgage, but your payment could rise significantly when rates adjust. With a buydown, you can get a lower initial mortgage payment, but the added costs will increase your total borrowing costs over time. Ultimately, it is important to weigh the pros and cons of both options to determine which one best meets your needs.”

It’s also important to remember that when choosing either an ARM or a mortgage buydown loan, one must check with multiple lenders to get the best possible rate. Shopping around for different loan products can help people find the best deal for their needs – so it’s best to compare terms and rates from multiple lenders before making a final decision.

Client Katie A. from Grand Junction, CO, says: “I had a great experience working with Elizabeth Kinsey for my home loan. She was knowledgeable and responsive throughout the entire process!”

About Elizabeth Kinsey

Elizabeth is a Colorado Native and enjoys being outdoors on the trails. Her background before starting her mortgage career includes a degree in Economics and teaching/education. She has been originating mortgages for over 20 years and her success has been based on word of mouth. Her passion is to educate and empower homebuyers so that they are clients for life and she earns the right for them to refer friends and family. She ensures borrowers are well educated about the process and programs available so that she can help them build a clear mortgage plan. She is fully invested in homebuyers’ happiness and lives by the motto that trust is built on small kept promises.

Elizabeth has been awarded the Five Star Professionals designation in 2014, 2015, 2017, 2018. 2019. 2021 and 2022. Only 7 percent of mortgage professionals in a geographic market area can be named a Five Star award winner.  She will also be featured in the December 2022 Forbes magazine

Learn More: www.lenderliz.com

https://www.linkedin.com/in/elizabeth-kinsey-96538b23

https://fivestarprofessional.com/spotlights/100374.

NMLS is #404460

5613 DTC Parkway, Suite 750, Greenwood Village, Co 80111

*Restrictions apply, some loan programs do not allow buydowns, contact the PrimeLending loan officer for more details. All loans subject to credit approval. Rates and fees subject to change. ©2022 PrimeLending, a PlainsCapital Company (PrimeLending). (NMLS: 13649) Equal Housing Lender. PrimeLending is a wholly owned subsidiary of a state-chartered bank and is an exempt lender in CO.  V010918

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D. Scott Kenik, Founder, and Principal of Wealth Concepts Group, Interviewed on the Influential Entrepreneurs Podcast Discussing Fill-the-Gap Income Planning

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2 days ago

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June 8, 2023

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D. Scott Kenik, Founder, and Principal of Wealth Concepts Group, Interviewed on the Influential Entrepreneurs Podcast Discussing Fill-the-Gap Income Planning

Published on June 8, 2023

Scott Kenik discusses Fill-the-Gap income planning. 
Listen to the interview on the Business Innovators Radio Network:
https://businessinnovatorsradio.com/interview-with-d-scott-kenik-founder-and-principal-of-wealth-concepts-group-discussing-fill-the-gap-income-planning/

Scott explained: “Fill-the-Gap income planning is a financial strategy that helps individuals, couples, and families bridge the gap between their current expenses and desired post-retirement income and fills the gap with guaranteed, lifetime income. This approach looks at all sources of retirement income (e.g., Social Security, pensions, investments) and any additional sources such as part-time work and home equity release programs. It uses strategic methods for increasing savings rates and using tax strategies to maximize benefits.”

The goal is to ensure that an individual’s lifestyle in retirement can be comfortably sustained without running out of money or having to reduce spending. By creating a personalized plan tailored to an individual’s specific goals and objectives, Fill-the-Gap income planning can help preserve wealth and maximize retirement income.

Scott added: “Through a combination of financial planning, safe-money investments, and tax strategies, fill-the-gap income planning can provide the peace of mind that comes with knowing your lifestyle in retirement will be secure. From creating an individual retirement account (IRA), diversifying investments, strategically managing Social Security benefits, this approach looks at the big picture and plans accordingly for different scenarios.”

With Fill-the-Gap income planning, protecting wealth and maintaining a desirable lifestyle is within reach. By taking into account all sources of potential retirement income now, people can keep themselves from needing to make drastic changes later on down the road. Ultimately, Fill-the-Gap income planning can help make sure their financial future is secure and they have a comfortable lifestyle in retirement without having to worry about running out of money.

About D. Scott Kenik

Scott first started in the industry back in 1995. He spent several years educating financial advisors from Merrill Lynch, Morgan Stanley, Prudential, and other national companies on retirement plan design, and he worked for Metropolitan Life helping them launch a new retirement program.

There were two significant events in his life that led him to his current and most rewarding path of helping families gain financial security.

The first was his parents’ retirement problems. They spent much of their retirement taking seminars and learning about investing and they traded their own accounts to supplement their retirement income. As far as he knew they were successful. They never said otherwise.

When his dad passed, his mom told him that, in fact, they had lost a lot in the stock market and she was concerned about having enough money to live on. Now, they were both smart people and had dedicated a lot of their time to learning about investing. Instead of mom enjoying her golden years, she pinches every penny hoping that her money will last.

The other significant event was the economic crash in 2008 from the mortgage crisis. He watched his retirement account drop like a rock, as did his friends and associates. He knew there had to be a better way.

If a No-Stress Retirement is your goal, feel free to contact Scott for a complementary Wealth Concepts Group consultation.

Learn More: https://wealthconceptsgroup.com/

 and get a complimentary copy of Scott’s book “No Stress Retirement Roadmap https://www.nostressretirementroadmap.com/

 
ALL CONTENT IS FOR INFORMATION PURPOSES ONLY. OPINIONS EXPRESSED HEREIN ARE SOLELY THOSE OF WEALTH CONCEPTS GROUP AND OUR EDITORIAL STAFF. THE MATERIAL PRESENTED IS BELIEVED TO BE FROM RELIABLE SOURCES; HOWEVER, WE MAKE NO REPRESENTATIONS AS TO ITS ACCURACY OR COMPLETENESS. ALL INFORMATION AND IDEAS SHOULD BE DISCUSSED IN DETAIL WITH YOUR INDIVIDUAL ADVISER PRIOR TO IMPLEMENTATION. THE PRESENCE OF THIS WEBSITE SHALL IN NO WAY BE CONSTRUED OR INTERPRETED AS A SOLICITATION TO SELL OR OFFER TO SELL INVESTMENT ADVISORY SERVICES. ANY GUARANTEES REFER TO INSURANCE PRODUCTS AND ARE BACKED BY THE CLAIMS-PAYING ABILITIES OF THE UNDERWRITING COMPANIES.

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ASKCRAIGTEE, Inc. Introduces techKNOWLEDGE™: A Virtual Group Coaching Program Equipping Business Owners with Essential Technology Skills

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2 days ago

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June 8, 2023

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techKNOWLEDGE™ is a comprehensive 12-module program that’s available now. Throughout the program, participants will engage in interactive sessions, receive personalized coaching, and gain access to a supportive community of like-minded entrepreneurs. The program covers a wide range of topics, including software selection, implementation strategies, process optimization, cybersecurity best practices, and utilizing technology for business growth.

“Technology can be a challenge, but it doesn’t have to be hard,” asserts Tomanini. “Our goal with techKNOWLEDGE™ is to equip business owners with the essential skills they need to take back control of their businesses and revenues. We want to empower them to handle their business from a technology standpoint more efficiently and effectively.”

At ASKCRAIGTEE, Inc., education and coaching are at the core of their services. Through their Education division and strategic partnerships, they offer access to a diverse range of courses, workshops, and training programs designed to equip their clients with the essential skills they need to succeed. Simultaneously, their coaching division provides personalized guidance and support to help clients achieve their goals.

“Our coaching division provides personalized guidance and support to help our clients achieve their goals,” states Tomanini. “Through our Education division and its strategic partnerships, we offer access to a range of courses, workshops, and training programs designed to equip our clients with the essential skills they need to succeed. We specialize in providing education and coaching services to businesses in their first five years of operation, with an annual revenue range of $100K to $1M.”

ASKCRAIGTEE, Inc. is widely recognized as a leading provider of education and business services. Their innovative approach to education and coaching aims to help business owners achieve success by providing them with the skills, knowledge, and resources they need to grow their businesses.

“With nearly 30 years of experience in the technology industry, I am dedicated to helping business owners and leaders maximize the potential of their technology investments,” says Tomanini. “Through strategic planning, process optimization, and employee training, we empower our clients to leverage technology effectively and achieve their full potential.”

As part of their commitment to supporting business owners, ASKCRAIGTEE, Inc. also offers additional resources through their Business Services and Events divisions. Their content creation team assists in creating compelling content that engages and inspires audiences, while their events division provides networking opportunities and events to help clients connect with peers and stay updated on industry trends.

For business owners seeking to enhance their technological proficiency and take their businesses to new heights, techKNOWLEDGE™ offers a comprehensive and practical solution. With the guidance of industry experts, personalized coaching, and access to a supportive community, participants can confidently navigate the ever-changing technology landscape and harness its full potential for business success.

To learn more about techKNOWLEDGE™ and enroll in the program, please visit:

http://thetechnologybusinesscoach.com.

https://www.facebook.com/thetechnologybusinesscoach/

iam@askcraigtee.com

www.askcraigtee.com

About Craig Tomanini

Craig Tomanini is a seasoned business executive and entrepreneur who is passionate about helping businesses achieve success through the strategic use of technology. He is the Founder and CEO of ASKCRAIGTEE, Inc., where he is known as The Technology Business Coach™. With nearly 30 years of experience in the technology industry, Tomanini has a deep understanding of how technology can impact overall business processes and bottom-line results. His focus as The Technology Business Coach™ is to help business owners and leaders maximize the potential of their technology investments through strategic planning, process optimization, and employee training.

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Achieve Systems’ Biz Explosion Conference is Scheduled for June 9th – 10th, 2023

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2 days ago

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June 8, 2023

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Achieve Systems’ Biz Explosion Conference is Scheduled for June 9th – 10th, 2023

Published on June 8, 2023

Achieve Systems Pro is a Collaborative Community of Business Owners and Entrepreneurs supporting each other and providing Solutions. Bringing Business Owners & Entrepreneurs together to acquire success. It offers support systems, resources, revenue streams, and community to help business owners accelerate their business growth.

Achieve Systems CEO, Robert Raymond, announced that the Achieve “Biz Explosion” Conference for the summer of 2023 will be held on Friday, June 9th and Saturday, June 10th.

The summer conference will take place at the Best Western Premiere Hotel at 4411 Peoria Street, Denver, Colorado 80239. This conference will be emceed by Kirk Samuels.

The schedule for this business building conference is as follows:

  • Thursday, June 8th at 5:30 pm – Welcome Happy Hour Reception
  • Friday, June 9th from 9 am – 5 pm – Strategic Partnership 
    Building
  • Saturday, June 10th from 9 am – 5 pm – Main Event
    Biz Explosion Conference
  • Saturday, June 10th at 5:00 pm -After Party

This conference features five powerful workshops, and attendees will be able to uplevel their business through speaking, networking and growing their community, leadership and getting referrals.

“At Achieve Conferences, our mission is to provide entrepreneurs with the support, guidance, and tools they need to create a successful business,” said Founder and CEO, Robert Raymond.

The theme for this event is “Rock your Business”. Achieve Systems is offering a complimentary VIP ticket valued at$497. Interested parties can get their VIP complementary ticket by registering at: www.achievebizconferences.com

Achieve Systems’ very popular Pre-Conference Event “Develop Strategic Partnerships & Referral Relationships Creating Powerful Leads” will take place on Friday, June 9th. 

“This day is a business owners dream. Attendees can join us at our award-winning day where we help them create meaningful relationships that lead to referrals and power partners. This is a business acceleration event for small business owners and entrepreneurs. We will provide them with several strategic relationships with professionals who can help them grow their business and even hand them referrals right on the spot. Developing power partners is the key to growing almost any business. Today they will not just learn how but will have many possible relationships set up for meetings before they even walk in the door.” Raymond commented.

“The main event is on Saturday where we have our amazing Keynote speaker who will be focusing on boosting your brand and business simultaneously followed by 5 other high-level speakers. We have 50+ vendors and business owners for you to connect with and create win-win opportunities.” Robert added.

On Saturday, June 10th, the Biz Explosion conference also features a line-up of professional public speakers chosen to provide unmatched value to the attendees. These speakers include:

  • Featured Keynote Speaker Chris Salem – Boost your Brand and Business
    Simultaneously, 10:00AM – 11:15AM
  • Brandon Barnum – Raving Referrals for Business Success,
    11:30AM – 12:30PM  
  • Ashlee Fay Branstetter – How to Effectively Use Relationships to Scale, 2:00PM – 3:00PM 
  • Gary De Rodriguez – Deep Leadership, 3:05PM-400PM 
  • Christopher Gandy – Building a Legacy, 4:00PM – 4:45PM  
  • Cathy Reilly, Achieve Speaker Pro Leader – 5 Powerful Ways to have your voice be heard and implement the incredible information from today’s conference, 4:45PM – 5:00PM

“We provide business owners with the most powerful tools needed including leads, a built-in community, a world class coaching system, biz building conferences, marketing systems, preferred vendors, business partnerships and revenue streams to help uplevel their business.” Raymond concluded.

For more info about Achieve Systems’ Biz Explosion Conference and for registration visit: achievebizconferences.com

For more info about Achieve Systems membership visit: https://www.achievesystemspro.com/

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