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James “Scott” Hardin, President of Able Financial, Interviewed on the Colorado Real Estate Leaders Podcast

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James “Scott” Hardin, President of Able Financial, Interviewed on the Colorado Real Estate Leaders Podcast

Published on October 27, 2022

James Hardin discusses why working with a mortgage broker is more beneficial than a traditional bank lender.

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-james-scott-hardin-president-of-able-financial/

 James says: “If you’re looking for a mortgage, working with a broker is a great way to ensure you get the best deal possible. They will work with you to find a loan that meets your needs, and provide expert guidance and support every step of the way. Contact us today to learn more about how we can help you secure the best mortgage for your needs.”

When securing a mortgage, working with a broker has several advantages over going directly to a bank. Mortgage brokers have access to a wide range of lenders, allowing them to shop around for the best rates and terms on behalf of their clients. They can also provide expert guidance and support throughout the process, from application to approval.

Here are some of the key reasons why working with a mortgage broker is more beneficial than working with a bank:

  1. Brokers have access to many different lenders. This means they can shop around for the best deal on their client’s behalf and find a loan that suits their individual needs and circumstances.
  2. Banks typically only offer their own products, which may not be the best deal for a person.
  3. Mortgage brokers are experts in the field and can offer guidance and support throughout the entire process, from application to approval.
  4. Banks can be inflexible with their lending criteria, whereas brokers have access to a range of lenders who may be more willing to consider a borrower’s application.
  5. Brokers are often able to negotiate better interest rates and terms on behalf of their clients.

Client Christian says: “Able Financial and their team are the absolute best in the business. I have done real estate for 20 years in Larimer County and NEVER had the faith in a broker or banker, that I do in AFI’s staff.”

 

About James Hardin

James “Scott” Hardin owns Able Financial, Inc. (AFI) d/b/a It’s A Better Way Mortgage.

He has been in Colorado since 1985 attending Cherry Creek High School and UNC. He opened Able Financial, Inc as a mortgage brokerage in 1997. In 2003 AFI opened a second division that would grow lending institutions (Correspondent Branching Companies) throughout the US. They decided to expand AFI’s reach in 2018 and have since entered 16 other states (AL,AZ,CA,CO,FL,GA,ID,MN,MS, NC, NM,OH, OR,SC,TN,TX,WA).

Learn More: https://www.ablefinancialinc.com/

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Tom Rutkowski, President of Innovative Retirement Strategies, Interviewed on Podcast-Using Life Insurance to Invest in Real Estate

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Tom Rutkowski, President of Innovative Retirement Strategies, Interviewed on Podcast-Using Life Insurance to Invest in Real Estate

Published on December 2, 2022

Tom Rutkowski discusses using life insurance for real estate investing.

Questions covered in this interview include:

  1. Why would someone want to use life insurance to invest in real estate?
  2. Does it matter what kind of life insurance?
  3. I have a whole life policy. Could I use it for this?

Listen to the interview on the Business Innovators Radio Network: 

https://businessinnovatorsradio.com/interview-with-tom-rutkowski-president-of-innovative-retirement-strategies-discussing-using-life-insurance-to-invest-in-real-estate/

Tom explained: “Life insurance can benefit real estate investors in various ways. Leveraging the cash value of life insurance allows access to funds that could be used to purchase and maintain investments like rental properties. This allows investors to put their money to work in two places at one time. It’s important to remember that this is not an investment strategy without risk, so investors should weigh the potential rewards versus the risks before taking advantage of this option.”

In addition to leveraging life insurance for purchasing and upkeep of real estate investments, it can also be used as an income replacement tool for dependent family members in case something happens to the investor or their partner. If a life insurance policy has been set up, it replaces some or all of the income that would otherwise have been lost due to the investor’s death. This can help ensure that their family is taken care of and their investments are not affected.

Finally, life insurance policies can provide access to cash value which can be used for tax or retirement planning. Depending on the type of policy and its terms, investors may be able to borrow against the policy’s cash value to pay taxes or other expenses associated with real estate investing.

In conclusion, life insurance provides a flexible financial tool that can potentially benefit real estate investors in multiple ways. Whether it is used as leverage for purchasing properties or providing income replacement for dependent family members in case something happens to the investor, life insurance offers real estate investors an option worth considering when formulating an overall investing strategy.

Before deciding to use life insurance for real estate investing, it’s essential to research and consult with a financial advisor or professional who can provide personalized advice tailored to a person’s individual needs and goals. This will help ensure they make informed decisions that align with their long-term investment objectives. With the right partner, leveraging life insurance can be an effective strategy for creating wealth through real estate investments.

About Tom Rutkowski

Tom is a nationally-recognized expert in maximum over-funded life insurance for private banking and tax-free retirement planning. He holds an MBA in Finance from the University of Wisconsin, Milwaukee, and a BA in Economics from the University of California, Irvine. He currently resides in Boynton Beach, Florida.

Download his free e-book “Life Insurance 101” to get started now: https://bit.ly/3W8YE7y

Schedule a free 30-minute introductory call with Tom to learn more: https://innovativeretirementstrategies.youcanbook.me/

Recent news and interviews:

Discussing Using Life Insurance for Retirement Planning

https://authoritypresswire.com/tom-rutkowski-president-of-innovative-retirement-strategies-discussing-using-life-insurance-for-retirement-planning-interviewed-on-influential-entrepreneurs-podcast/

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Christian Care Ministry/Medi-Share welcomes new General Counsel     

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Christian Care Ministry/Medi-Share welcomes new General Counsel     

Published on December 1, 2022

Christian Care Ministry/Medi-Share, the nation’s leading health care sharing ministry, welcomes new General Counsel, Tricia Bell, to the leadership team.

Christian Care Ministry/Medi-Share, the nation’s leading health care sharing ministry, hires a new General Counsel to serve the Executive Leadership Team and the Christian Care Ministry (CCM) Board of Directors. 

Tricia Bell has over fifteen years of experience in the corporate setting, dealing with legal and operational issues. Most recently, she served as General Counsel/Vice President, Strategic Risk Management for Principle Business Enterprises, Inc. in Ohio. She also brings extensive experience in the area of government contracting, having worked for various government entities and at a distinguished law firm where she dealt with the procurement compliance and maintenance of government contracts.  

At CCM, she will serve as the Chief Legal Officer (CLO) and a member of the executive leadership team, providing legal advice and support to that team and evaluating various decisions and strategies. 

Scott Reddig, CEO of Christian Care Ministry/Medi-Share states, “As Christian Care Ministry continues to grow, the guidance and counsel of a Chief Legal Officer is essential. I’m excited about the level and breadth of experience and qualifications Tricia brings to the team, and look forward to working with her as we serve our members and our ministry community.”

Tricia is from Ohio and a proud alumnus of The Ohio State University. She obtained her law degree from Capital University Law School in Columbus. Tricia serves on the Optimal Aging Institute Board. 

About Christian Care Ministry/Medi-Share 

Christian Care Ministry (CCM), a not-for-profit 501(c)(3) organization, based in Melbourne, FL, the Medi-Share program, a Christian healthcare sharing organization that provides an affordable alternative to health insurance for faith-based consumers. Entering its 30th year of sharing, Medi-Share, serves nearly 400,000 members across America and has earned accreditation from the Independent Healthcare Sharing Accreditation Board. For more information about Christian Care Ministry, visit: https://mychristiancare.org/press.    

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Christian Care Ministry/Medi-Share attends the International Conference on Mission (ICOM)   

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Christian Care Ministry/Medi-Share attends the International Conference on Mission (ICOM)   

Published on November 30, 2022

Christian Care Ministry/Medi-Share, the nation’s leading health care sharing ministry is passionate about the work missionaries do and showed their support at the International Conference On Mission (ICOM).

Christian Care Ministry– The nation’s leading health care sharing ministry’s executives connected with attendees of ICOM. Christian Care Ministry’s vision is to transform society through the Biblical model of sharing. Christian Care Ministry/Medi-Share was honored to connect with missionaries who are doing wonderful work for the Kingdom of God as well as other like-minded organizations that also attended this event.

Medi-Share is a Christian health care solution that missionaries can utilize anywhere as they serve in different capacities around the world. Christian Care Ministry’s ‘Medi-Share Global’ program is designed to give missionaries the health care they need – where they need it! Whether that is in the United States or overseas.

ICOM exists to Encourage, Equip and Enlist workers for the Harvest. The ICOM conference serves as a connection point for global missions. The Medi-Share Global program works great for missionaries, so health care is made easy and one less thing they need worry about while traveling to share the Word of God. 

“I am a Missionary and have worked in the mission field in the US and abroad for over 18 years. I did not have any health issues till this March of 2020. It was a very scary and faith-building experience with 3 ER visits, 2 hospital stays, 2 surgeries, 8 blood transfusions, and recovering from a blood clot in my lung. The bills seemed so large, but I followed what Medi-Share asked me to do to have the hospital submit the bills. I would see shareable portions of bills being paid and checks sent to the Doctors and hospitals and be so thankful every time I would see a portion of the bills paid. GOD MADE A WAY… Through Medi-Share, through Medi-Share members, and through God’s provision, I owe a reasonable doable amount!!! This is a very Christ-centered way of medical cost assistance” – Stephanie

Equipping missionaries is just one-way Christan Care Ministry/ Medi-Share can transform society through the biblical model of sharing and help further the kingdom.

About Christian Care Ministry/Medi-Share

Christian Care Ministry (CCM), a not-for-profit 501(c)(3) organization, based in Melbourne, FL, operates the Medi-Share program, a Christian healthcare sharing organization that provides an affordable alternative to health insurance for faith-based consumers. Entering its 30th year of sharing, Medi-Share, serves nearly 400,000 members across America and has earned accreditation from the Independent Healthcare Sharing Accreditation Board. For more information about Christian Care Ministry, visit: https://mychristiancare.org/press.  

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