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Real Estate Expert Iris Ramos Shares Insights and Success Stories on the Agents Lounge Podcast

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Real Estate Expert Iris Ramos Shares Insights and Success Stories on the Agents Lounge Podcast

Published on March 1, 2024

The Agents Lounge Podcast is back with an exciting new episode featuring real estate expert Iris Ramos. As the owner of Keller Williams Heritage in San Antonio and with 10 years of experience as a realtor, Ramos brings a wealth of knowledge and wisdom to the table. Listeners can expect to hear her inspiring story, background, and journey in the industry.

The Agents Lounge Podcast is back with an exciting new episode featuring real estate expert Iris Ramos. As the owner of Keller Williams Heritage in San Antonio and with 10 years of experience as a realtor, Ramos brings a wealth of knowledge and wisdom to the table. Listeners can expect to hear her inspiring story, background, and journey in the industry.

In this episode, host Marco Salinas dives deep into Ramos’ journey to becoming a realtor. Before entering the real estate world, Ramos served in the Air Force. However, a personal tragedy led her back home to San Antonio, where she made the life-altering decision to stay and build a career in real estate. Ramos shares, “Real estate changed my life, and I never looked back.”

When asked about the challenges she faced when starting her real estate career, Ramos recalls feeling unprepared after her first home-buying experience. This sparked her desire to provide more guidance and knowledge to her clients. She explains, “I felt like there could have been a little bit more knowledge, so that’s really where it came from. I did not research real estate. I just went for it and took a leap of faith.”

Throughout the episode, Ramos also discusses her expertise in serving the military community. With her background in the Air Force, she understands the unique needs and challenges faced by military personnel. From meeting tight deadlines to guiding clients through remote buying processes, Ramos ensures a smooth and stress-free experience for military families. She states, “I understand the lingo. I understand the structure. I can mirror their behavior. It does help me. I am certified for it.”

As the conversation progresses, Ramos shares a heartwarming success story, highlighting her dedication to her clients. She recalls a challenging deal involving a couple who wanted to buy a home but faced obstacles due to being self-employed. Undeterred, Ramos went above and beyond to find a solution, connecting her clients with a bank that offered a portfolio loan. The couple not only purchased their dream home but also sold it years later at a substantial profit. Ramos says, “I’m a 100% referral-based realtor, and they’re super sweet clients.”

With the real estate market constantly evolving, Ramos discusses the recent changes brought about by the COVID-19 pandemic. She addresses the shift in market dynamics and offers valuable insights for potential investors. Ramos advises, “Networking and finding people who have a problem you can solve is key. You just need to let people know you buy houses.”

The Agents Lounge Podcast episode featuring Iris Ramos is a must-listen for anyone looking to gain valuable real estate knowledge and hear inspiring success stories. Listeners will walk away with a deeper understanding of the industry and practical tips for navigating the market.

To listen to this episode and access previous episodes of the Agents Lounge Podcast, visit AgentsLoungePodcast.com or search for “Agents Lounge Podcast” on popular podcast platforms.

www.sanantoniohomesforsalebyiris.com

About the Agents Lounge Podcast:
The Agents Lounge Podcast is a dynamic and informative podcast hosted by Nathan Gaylor and Francisco Bermuda Jr. The podcast explores the world of real estate and features discussions with industry experts, professionals, and entrepreneurs. Listeners gain valuable insights and advice to help navigate the ever-changing real estate landscape.

About the show sponsor: Airtegrity Comfort Solutions is a locally owned and operated HVAC company that provides top-notch air conditioning and heating services to residential and commercial clients in San Antonio and the surrounding areas. With over 10 years of experience, they have established themselves as a reliable and trustworthy brand in the HVAC industry. As a sponsor of “The Agents Lounge” podcast, Airtegrity Comfort Solutions is committed to supporting the real estate community and providing exceptional service to its clients.

License Number: TACLA115907C

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Business Insurance

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Business Insurance

Published on April 11, 2024

Rhett Chambers discusses the strategic use of business insurance to secure loans. 

Listen to the interview on the Business Innovators Radio Network:  https://businessinnovatorsradio.com/interview-with-rhett-chambers-founder-of-rhett-chambers-financial-services-discussing-business-insurance/

Business insurance, particularly term life insurance, can be a valuable tool for business owners seeking to grow their business by using it as collateral for loans. Rhett Chambers, the founder of Rhett Chambers Financial Services, emphasized how term life insurance can secure loans and provide mutual protection for both the business owner and the lending institution.

Term life insurance is often the preferred choice for collateralizing loans due to its affordability relative to the coverage amount needed. By aligning the term of the insurance policy with the loan term, business owners can keep costs low while meeting the lender’s requirements. This strategic approach allows businesses to access necessary funds for growth without incurring excessive expenses.

One key benefit of using term life insurance as collateral is its flexibility. Business owners can adjust the policy to match the loan balance, freeing up benefits for other purposes as the loan is paid down. This flexibility not only supports the business’s financial needs but also enhances the borrower’s creditworthiness, potentially leading to larger loan amounts or more favorable terms.

Moreover, using term life insurance as collateral provides a layer of protection for both the bank and the borrower in unforeseen circumstances such as the borrower’s death or severe illness. The insurance benefits can be used to pay off the loan immediately, safeguarding the business, the borrower’s estate, and their family from financial burdens.

Rhett shared: One of the big components of the decision-making process for the business owner is cost. If we’re looking at a very short loan, you know, a five-year loan or a 10-year loan, there’s no reason to do a very long term, for example, of 20 years or 30 years, because that’s going to generate a higher cost. So, we can craft the plan to match up with the terms of the loan and in doing that, keep the cost as low as possible, which is oftentimes, very important for the business owner.”

A real-life example shared by Rhett illustrated how a business owner leveraged term life insurance as collateral for real estate investments, building trust with local banks, expanding his portfolio, and ensuring his family’s financial security. This case exemplifies how term life insurance can be a linchpin in securing loans and unlocking opportunities for business growth.

 

About Rhett Chambers

Rhett Chambers, a 2006 graduate of the University of Alabama, embarked on a dynamic career in financial services in 2007 as an agent for AIG. Over the years, he flourished at AIG, serving roles as a producer, advisor, and manager. In 2017, Rhett transitioned to Transamerica, dedicating five successful years before becoming a fully independent agent and advisor in 2020.

Representing top carriers in the financial service industry, Rhett specializes in life insurance, term life, disability insurance, annuities, long-term care, and business succession planning. With a clientele spanning Tuscaloosa and beyond, he extends his services across Alabama and neighboring states like Mississippi, Louisiana, Texas, and Georgia.

Rhett, a devoted family man with a wife and three children, considers his career’s essence to be helping individuals make informed decisions for a secure financial future. Proudly involved in various industry organizations and his community, he actively coaches’ children in sports. Rhett has achieved the Million Dollar Roundtable (MDRT) organization’s achievement multiple years for production and quality of customer service work with clients. Balancing his professional pursuits, Rhett finds joy inshore fishing and reading, looking forward to growing in the industry and leveraging new technologies to better serve his clients’ evolving needs.

Learn more: https://www.linkedin.com/in/rhett-chambers-5b669758/

Recent news and interviews:

  • Rhett Chambers Discusses Key Person Insurance:

https://authoritypresswire.com/rhett-chambers-founder-of-rhett-chambers-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-key-person-insurance/

  • Rhett Chambers Discusses Buy-Sell Agreement Strategies:

https://authoritypresswire.com/rhett-chambers-founder-of-rhett-chambers-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-buy-sell-agreement-strategies/

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Buy-Sell Agreement Strategies

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Buy-Sell Agreement Strategies

Published on April 10, 2024

Rhett Chambers discusses buy-sell agreements: strategies for business continuity. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-rhett-chambers-founder-of-rhett-chambers-financial-services-discussing-buy-sell-agreement-strategies/ 

Buy-sell agreements are essential for maintaining the continuity and stability of businesses, especially partnerships and closely held corporations. As discussed in the podcast episode, these agreements are crucial tools that outline the procedures in case an owner unexpectedly leaves the business due to death, incapacity, or retirement.

Rhett highlighted that buy-sell agreements provide a structured plan for ownership transition, giving businesses confidence in maintaining continuity during unforeseen events. By clearly defining the transfer of ownership procedures, these agreements help mitigate conflicts and uncertainties that may arise during transitions.

The episode also stressed the importance of regularly reviewing and updating buy-sell agreements to ensure they reflect the current business value and owner needs accurately. Failure to update these agreements can lead to discrepancies in funding and coverage, potentially jeopardizing ownership transitions and the business’s financial stability.

Rhett explained: “The buy-sell agreement acts in a different capacity in the sense that it is designed to, for example, fund the ability to compensate the surviving family for their part of the ownership that they will otherwise inherit from the death of an owner.”

In conclusion, buy-sell agreements act as crucial safeguards for businesses, offering a structured framework for ownership transitions and ensuring operational effectiveness during unexpected events. Understanding the significance of these agreements, along with regular reviews and updates, can protect business interests and secure the enterprise’s future.

Regularly reviewing and updating buy-sell agreements is vital for businesses, especially as the business value appreciates and grows. Failing to review these agreements can lead to issues like underfunding in case of an owner’s unexpected departure.

 

About Rhett Chambers

Rhett Chambers, a 2006 graduate of the University of Alabama, embarked on a dynamic career in financial services in 2007 as an agent for AIG. Over the years, he flourished at AIG, serving roles as a producer, advisor, and manager. In 2017, Rhett transitioned to Transamerica, dedicating five successful years before becoming a fully independent agent and advisor in 2020.

Representing top carriers in the financial service industry, Rhett specializes in life insurance, term life, disability insurance, annuities, long-term care, and business succession planning. With a clientele spanning Tuscaloosa and beyond, he extends his services across Alabama and neighboring states like Mississippi, Louisiana, Texas, and Georgia.

Rhett, a devoted family man with a wife and three children, considers his career’s essence to be helping individuals make informed decisions for a secure financial future. Proudly involved in various industry organizations and his community, he actively coaches’ children in sports. Rhett has achieved the Million Dollar Roundtable (MDRT) organization’s achievement multiple years for production and quality of customer service work with clients. Balancing his professional pursuits, Rhett finds joy inshore fishing and reading, looking forward to growing in the industry and leveraging new technologies to better serve his clients’ evolving needs.

Learn more: https://www.linkedin.com/in/rhett-chambers-5b669758/

Recent news and interviews:

  • Rhett Chambers Discusses Key Person Insurance:

https://authoritypresswire.com/rhett-chambers-founder-of-rhett-chambers-financial-services-interviewed-on-the-influential-entrepreneurs-podcast-discussing-key-person-insurance/

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Key Person Insurance

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Rhett Chambers, Founder of Rhett Chambers Financial Services, Interviewed on the Influential Entrepreneurs Podcast Discussing Key Person Insurance

Published on April 9, 2024

Rhett Chambers discusses insights into key person insurance. 

Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-rhett-chambers-founder-of-rhett-chambers-financial-services-discussing-key-person-insurance/ 

Key person insurance is a crucial aspect of financial planning for businesses of all sizes, not limited to large corporations. In a podcast episode featuring Rhett Chambers, the founder of Rhett Chambers Financial Services, he stresses the importance of key person insurance for businesses of all scales. Rhett explains that this insurance can benefit partnerships, sole proprietorships, and even small businesses with just one owner and one employee. It is designed to shield the business from the financial impact of losing a key employee due to death, illness, or disability.

Rhett shares an example of a partnership between two attorneys, where one fell critically ill. The key person insurance plan owned by the law firm injected cash into the business, providing reassurance to the partners that financial stability would be maintained during the partner’s illness. This example illustrates how key person insurance can be crucial in ensuring business continuity and financial stability, regardless of the business’s size.

Moreover, Rhett dispels the misconception that only large corporations need key person insurance. He clarifies that businesses of all sizes can benefit from this planning. In the case of a sole proprietorship, the insurance can be structured to protect the family and the business separately. By setting up key person insurance where the business owns the policy, pays the premiums, and is the beneficiary, businesses of any size can have complete control over the coverage and benefits.

Rhett explained: “A key person insurance can be designed in a multitude of ways, which gives protection to the business in the event that they lose this performance by the key person. Also, the key person insurance would be almost an immediate cash influx to the business. And this gives peace of mind to the business owners and to the other workers at the business that, during this period of time, while we try to recover, we’re going to be in a better position to take our time and make good, informed decisions.”

 

About Rhett Chambers

Rhett Chambers, a 2006 graduate of the University of Alabama, embarked on a dynamic career in financial services in 2007 as an agent for AIG. Over the years, he flourished at AIG, serving roles as a producer, advisor, and manager. In 2017, Rhett transitioned to Transamerica, dedicating five successful years before becoming a fully independent agent and advisor in 2020.

Representing top carriers in the financial service industry, Rhett specializes in life insurance, term life, disability insurance, annuities, long-term care, and business succession planning. With a clientele spanning Tuscaloosa and beyond, he extends his services across Alabama and neighboring states like Mississippi, Louisiana, Texas, and Georgia.

Rhett, a devoted family man with a wife and three children, considers his career’s essence to be helping individuals make informed decisions for a secure financial future. Proudly involved in various industry organizations and his community, he actively coaches’ children in sports. Rhett has achieved the Million Dollar Roundtable (MDRT) organization’s achievement multiple years for production and quality of customer service work with clients. Balancing his professional pursuits, Rhett finds joy inshore fishing and reading, looking forward to growing in the industry and leveraging new technologies to better serve his clients’ evolving needs.

Learn more: https://www.linkedin.com/in/rhett-chambers-5b669758/

This post was originally published on this site

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