All Blog Posts (528)

Ed DeWitt Tax Credit Means Higher Interest Rates

While most of America was celebrating the holiday season, our leaders in Washington were arguing about the Federal Spending Bill and the extension of a middle class tax credit. If you didn't follow the results, there was a…

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Added by Ed DeWitt on January 12, 2012 at 11:54am — No Comments

Ed DeWitt Rates Stay Low – So What’s The Hurry?

The interest rate predictions at the beginning of 2012 were that rates would gradually rise into the 5.5% area. This was based on the assumption that the economy would gradually be improving and The interest rate predictions at the beginning of 2012 were that rates would gradually rise into the 5.5% area. This was based on the assumption that the economy…

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Added by Ed DeWitt on December 18, 2011 at 7:19pm — No Comments

Ed DeWitt HARP 2 - Your Appraisal Solution?

On December 1, 2011 the Federal government expanded their HARP refinance program and may have created the first really significant solution to the depressed world of real estate. The acronym stands for Home Affordable Refinance Program. It is designed to help homeowners that have performed according to the requirements of their mortgage but the value of their home has…

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Added by Ed DeWitt on December 18, 2011 at 2:32pm — No Comments

Ed DeWitt Don't Let Appraisals Stop Your Refinance

Over the last three years appraisals have been a challenge to many transactions and in many cases become a deal killer. Buyers that purchased at the top of the market have become trapped in a declining market that imprisons them in the current situation with few alternatives for improvement. If they wish to sell, they find their equity gone so there are no funds for a down payment and…

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Added by Ed DeWitt on December 2, 2011 at 6:14pm — No Comments

Gary Tedrow What is the Velocity of Money?





By Gary Tedrow, Western Ohio Mortgage

If you’ve been watching the economic news, you’ve probably

noticed that market experts and traders have been keeping a close eye on the

Commerce Department’s Personal Spending and Personal Income reports. Obviously,

those reports provide insight into the health of our economy, but did you know

they also influence home loan rates? That’s right, personal spending can actually

influence the interest rates that are…

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Added by Gary Tedrow on November 16, 2011 at 11:17pm — No Comments

Ed DeWitt How Do I Get The Best Interest Rate?

This is a question I deal with almost every day. Buyers want to

buy more house to lower their payment with a low rate. Homeowners want to lower

their current payments and hit the market lows. Shoppers "dial for

dollars" by calling every lender on the internet to find the best base

rate available. At the risk of starting an endless journey, I'd like to give

some…

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Added by Ed DeWitt on November 11, 2011 at 2:18pm — No Comments

Ed DeWitt A New Paradigm Tax Solution

The Congressional Super Committee is listening to all sides and keeping their cards close to the vest when it comes to their proposal for budget reform. If they come up with nothing there will be $1.2 billion in automatic cuts. This week 100 congressmen signed a letter urging them to go after $4 billion in cuts. Of course the devil is in the details and I haven’t seen many new ideas. There is one, though.

               This beauty is called the Harkin-DeFazio Financial Transaction…

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Added by Ed DeWitt on November 3, 2011 at 4:55pm — No Comments

Evan D. Wood The Buyer's Cycle

Have you ever sat in on a presentation or session, where soomething jumps out at you and you say to yourself, “wow – that is so simple and obvious, but yet I never would have visualized it that way.” This post is a result of that type of experience. The concept has to do with the Buyer’s Cycle, or the cycle we all go through when making any type of purchase.

Picture a clock, starting at 12 and moving around clockwise. Here are the phases buyers go through on that clock:

1:…

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Added by Evan D. Wood on October 31, 2011 at 12:45pm — 1 Comment

Chris Reed LinkedIn Follows Facebook and Twitter Adding Status Updates

You have just used LinkedIn to update your professional profile and had a profile for your company, but for your status updates on your business you went to Facebook and Twitter. Well that has now changed.

Now those who are admins of company profiles on LinkedIn can post real status updates and include a link! Which will allow you to share photo's, videos and much more.…

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Added by Chris Reed on October 13, 2011 at 12:02pm — No Comments

Chris Reed The Movie Courageous Opens This Weekend

Check out the movie Courageous opening this weekend in theaters!

It is a great movie that honors fathers & families. You can watch the trailer here. http://ow.ly/6GEZa



This movie from the Sherwood Pictures movie company is the same group that brought us movies like Facing the Giants and Fireproof. It is very important that this weekend is successful to keep it in theaters longer.



Thanks for going to see this wonderful movie! You… Continue

Added by Chris Reed on September 27, 2011 at 6:07pm — 1 Comment

Ed DeWitt Why Aren't Interest Rates Lower?

Are you Crazy?

Mortgage rates hit another historic low the past week. A thirty

year fixed rate could be had right at 4% and a fifteen year rate was at 3.375%.

All the talking heads are emphasizing…

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Added by Ed DeWitt on September 26, 2011 at 1:18pm — No Comments

Chris Reed Incredible New Things Coming Soon from Facebook!

At F8 this week Facebook rolled out a bunch of new changes to the way you view information from your network. See our blog for the run down on the top 11 changes that happened on Wednesday September 21st (click here for yesterdays blog)

I know everyone…

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Added by Chris Reed on September 22, 2011 at 8:00pm — No Comments

Chris Reed WHOA!! Where Did My Old Facebook GO???? The TOP 11 Things That Changed.

(Did you wake up Wednesday morning to find a new Facebook?  Many were looking at their home feed this morning as most of us do without a cup of coffee or anything.   Did you shudder, did you gasp, did you freak out?  I pictured Jon Stewart screaming NOOOOOOO as he looks up at a camera on the ceiling of the studio!  LOL   Most of you felt like this image describes. …

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Added by Chris Reed on September 22, 2011 at 6:30am — No Comments

Jim Harris Which Investments Are Best For College?

Which Investments Are Best For College Savings?…
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Added by Jim Harris on September 16, 2011 at 5:16pm — No Comments

Ed DeWitt Economic Data the Headlines Seem to Miss

It has been a summer of weather catastrophes and economic nightmares which make people nervous and afraid to make any moves. The numbers that are talked about daily are the high unemployment rate and the low GDP. Add to that short list, the declining home prices and you have a recipe for recession.

I would like to add a few other recent pieces of data that make me think that the evening news may just be missing something. Maybe these longer term trends aren’t as sexy or take more…

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Added by Ed DeWitt on September 1, 2011 at 4:46pm — No Comments

Cissi Sherlock CHINA: 2 Years Labor for Pastor

CHINA: 2 Years Labor for Pastor

In another example of the ongoing crackdown against house churches in China, house church pastor Shi Enhao was sentenced to two years in a labor camp last month. Pastor Shi, who serves as deputy chairman of the Chinese House Church Alliance, was charged with “illegal meetings and illegal organizing of venues…

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Added by Cissi Sherlock on July 30, 2011 at 8:03pm — No Comments

Tim Harms Summer Vacation Planning

As a travel consultant, you would think that planning my own summer vacation would be easy, that things should just fall into place. Unfortunately, that’s not the case, and that’s why I’ve procrastinated until just a few weeks before leaving to really start planning.

 

Choosing where to go was the easy part. Several months ago my wife and I opted for Niagara Falls with a few days in Cleveland on the way. That was the easy part. Putting all of the details together – that’s the…

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Added by Tim Harms on July 7, 2011 at 9:56am — No Comments

Gary Tedrow Don't Make That Big Deposit or Transfer



What You Need to Know If You're Buying a Home!

You've probably heard the saying, "When you fail to plan, you plan to fail." That is especially true when it comes to buying a home today. Underwriters are following strict guidelines–and that means even things like bank deposits and transfers are under scrutiny.



Here's some…

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Added by Gary Tedrow on June 30, 2011 at 12:50am — No Comments

Jim Harris Common Sense Financial Tips

You don't have to be an expert to manage your money and prepare for life's unexpected twists and turns.
 
If you're like most people, your New Years Resolutions…
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Added by Jim Harris on June 24, 2011 at 11:59am — No Comments

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