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

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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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Rebecca Macieira-Kaufmann, Founder of RMK Group and Author of FitCEO, Interviewed on the Influential Entrepreneurs Podcast

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Rebecca Macieira-Kaufmann, Founder of RMK Group and Author of FitCEO, Interviewed on the Influential Entrepreneurs Podcast

Published on February 3, 2023

Rebecca Macieira-Kaufmann discusses how to EXCEED your potential personally and professionally. 

Listen to the interview on the Business Innovators Radio Network:

https://businessinnovatorsradio.com/interview-with-rebecca-macieira-kaufmann-founder-of-rmk-group-and-author-of-fitceo/

Regardless of someone’s current career or life stage, it’s never too late to exceed their potential and live the life they always wanted. The key is knowing where to start and how best to do it.

Rebecca explained: “The first step on this journey is knowing yourself: what are your strengths, weaknesses, values, and goals? Once you have a clear picture of who you want to be in your personal and professional lives, begin developing an action plan outlining the steps you need to take to reach your end goal. This includes short-term goals along with long-term ones. Having specific targets set out will make it easier for you to track progress and stay motivated and evaluate if any course corrections need to happen along the way.”

Finding mentors and networking is also an essential part of the process. Having someone who can provide emotional support, feedback, and guidance, as people make their way through this journey will help keep them on track and give them a much better chance of success.

Finally, it’s important to remember that personal growth doesn’t happen overnight and requires persistent effort over time to yield results. People need to spend some time each day reflecting on how far they have come; when things don’t go the way they want, they should take a step back, learn from the mistakes made, and move forward again with renewed enthusiasm!

Exceeding potential is possible – all it takes is dedication and hard work!

About Rebecca Macieira-Kaufmann

Rebecca is a seasoned CEO and veteran Fortune 50 Global Executive. She draws on deep expertise in the financial services industry and has a demonstrated track record of leading highly successful business turnarounds, scaling new businesses, and expanding operations globally. In June 2020, Rebecca founded RMK Group, LLC, an advisory and consulting service focused on fintech, digital currency, and payment systems. She is a frequently sought-after speaker on leadership and business transformation, life and work integration, culture change, and building high-performing teams. She recently wrote a book, FitCEO: Be the Leader of Your Life, about achieving holistic health—at work, home, and play.

Learn more:  https://rmkgroupllc.com/  or https://fitceobook.com/

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Yorkshire Pair Finish Snow Sculpture In Record Time For Arctic Competition

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Yorkshire Pair Finish Snow Sculpture In Record Time For Arctic Competition

Published on February 3, 2023

Two Yorkshire men have been competing with artists from all over the world in their second snow sculpture competition this month, completing their creation in record time.

Fitness coach Martin Sharp, from York, and tree surgeon Justin Scott, from Driffield, were pitted against sculptors from Spain, Sweden, Taiwan, France and the United States in the Kiruna International Snow Sculpture Competition 2023. The pair completed their sculpture, known as Figurative Animate X Three, in just two days, which was the new record for the event, which is held 140km north of the Arctic Circle in Swedish Lapland.

The creation – an abstract human figure with three sides – was the second snow sculpture created by the team in January. They had already competed in Shapes in White, an international snow sculpture competition in Austria, where their snow boat called Unsinkable 2 was awarded ninth place.

Martin, who runs the fitness and lifestyle coaching business Sharp Fit For Life, said it was the first time they had entered the Kiruna contest and the experience had been completely different.

The 45-year-old said: “In Austria, we were working on top of a mountain at high altitudes, whereas here we were sculpting in a city with everyday life going on around us. As it was lower altitude, we didn’t get tired as quickly so it felt easier and we were delighted to be the first to finish our sculpture in just two days.

“It took us about 15 or 16 hours in total – the snow was very soft, which meant we could pile through it quickly but the finish wasn’t as crisp as we’d hoped. There has also been a great sense of camaraderie between the sculptors with people sharing ideas and borrowing tools.

“The thing we have really enjoyed is that lots of people have been coming to watch the sculptures take form, including lots of children. There have been school parties coming to take a look and have a go at creating their own smaller snow sculptures and high school students worked with two sculptors to create a play park made out of snow.”

Although the pair weren’t named as the winner or runner-up, they were proud of their efforts and celebrated finishing with some traditional Lapland activities including dog sledding, a skidoo ride and a visit to an ice hotel.

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Sarah Stockham, Founder and Owner of Reiki Claremont, Announces the Release of Continuing Education Reiki Classes for Dentists Practicing in America

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Sarah Stockham, Founder and Owner of Reiki Claremont, Announces the Release of Continuing Education Reiki Classes for Dentists Practicing in America

Published on February 2, 2023

Sarah Stockham is the founder and owner of Reiki Claremont, a language of self-care, where she teaches all levels of the Affective Reiki Method and leads personalized Reiki sessions supporting peace filled mind by design.

Sarah Stockham announces that Continuing Education through CE Approved, which is an approved AGD PACE Provider, is now available through her healing center, Reiki Claremont, based in Claremont, CA.

According to Sarah, Reiki Claremont is offering approved Continuing Education through Affective Reiki Method’s Level 1 & 2 course. This course is designed to help dentists in America further their education in the field of Reiki. The course is made up of three live Zoom sessions, each one 3 hours and 20 minutes, for a total of 10 hours of instruction, practice, and time to ask questions.

“Additionally, students will receive a pre-recorded option that includes a library of ‘how to’ videos allowing students to have the tools they need to practice Reiki in either person or through distance,” Sarah stated.

She continued, “Reiki, as described by the National Center for Complementary and Alternative Medicine, is an energy-based healing practice that uses light touch and intentional energy transfer to facilitate the body’s natural ability to heal itself. It has been used for centuries to help those suffering from physical, mental and emotional issues.”

Reiki is effectively used to increase a sense of calm and reduce anxiety in hospitals across America, like the internationally renowned hospital in Pasadena California.

With over a decade of teaching Reiki to medical doctors, coaches, PhDs, psychologists and college students, Sarah Stockham of Reiki Claremont, believes that students can apply the same techniques in their business or personal lives.

“I feel like a spiritual sommelier; pairing the flavors of best healing practices with what life puts on your plate,” Stockham shared.

Traditional Reiki lineages use four levels, each with their own training and attunements. Through her upcoming Affective Reiki Method Level 1 & 2 courses, she is offering an opportunity to delve deeper into the practice. The Affective Reiki Method courses are broken down into Levels 1 & 2.

  • Reiki Level One teaches the basics of noninvasive hand positions for a “hands on” Reiki treatment.
  • Reiki Level Two covers how to send Reiki to someone who is not in the room and is commonly called “Distance Reiki”.

Participants have the chance to not only learn the fundamentals of both “in person Reiki” & “distance Reiki” but also best practices.

“Affective Reiki Method courses are built on the idea we can learn and apply techniques to support a peace filled mind by design,” Sarah affirmed.

The course is available from 5PM to 8:20 PM PT/ 8PM to 11:20 PM ET on:

  • February 27th, 2023
  • March 6th, 2023
  • March 13th, 2023

Once completed, participants are eligible to receive C.E credits from CE Approved which is an approved AGD PACE Provider.

All those interested in learning more about Reiki methods should sign up now and receive an email with the Zoom link for the Affective Reiki Method course.

Upon successfully completing the Affective Reiki Method Level 1 and 2 course, which will include sending Reiki Claremont an email with how the student want their name printed on the certificate, they can request continuing education credits that come from CE Approved which is an approved AGD PACE Provider.

For over a decade Sarah Stockham has been teaching Reiki and applying it in her own life. She knows how powerful it can be and wants to share her knowledge with others. With the upcoming Affective Reiki Method Level 1 & 2 courses she hopes to inspire others to take this chance to deepen their understanding of the practice and discover its potential benefits.

“Savor being present by accessing the five senses.  Be willing to ‘walk on’,” Sarah concluded.

About Reiki Claremont and Sarah Stockham

Reiki Claremont is a reiki healing center based in Claremont, CA. It specializes in traditional reiki lineages and offer classes on Level 1 & 2 of the Affective Reiki Method. It strives to create a supportive safe space for individuals to learn reiki and experience its healing benefits.

Sarah started her Reiki healing journey following the financial downturn of 2008. Personally, facing serious medical and financial challenges, she learned her father was diagnosed with terminal cancer. Following a 15-minute Reiki session, she experienced the best night of sleep in 4 years.  Curious and intrigued to learn more about her Reiki experience, Sarah studied with multiple teachers. As Sarah shared this gift, Reiki had the same effect on others. Teaching Reiki is Sarah’s passion as Reiki is a foundational healing modality.

To register for the Affective Reiki Method Level 1 & 2 visit: https://courses.reikiclaremont.com/CEApproved4AGD-ARM1-2

For more information about Reiki Claremont, visit: www.reikiclaremont.com

Connect with Sarah Stockham on Social Media:
https://instagram.com/sarahstockham
https://youtube.com/@SarahStockham 

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