February 1, 2017
The use of essential oil's for medicine has been around for centuries.
Today I will share with you how oregano oil and Melissa oil removed a wart.
After being diagnosed and receiving a prescription for traditional medicine I decided to go to my essential oil cabinet instead.
The results were quick and non-toxic !
If you're interested in hearing more about essential oil's or my personal journey I would love to share.
I preferred to use doTERRA and I would be happy to tell you why.
November 2, 2016
This weeks podcast is with Manolita Holadia who is a personal injury attorney with the Joynes & Gaidies law firm located in Virginia Beach.
What do you do if you get injured in an accident?
What things does a personal injury attorney need to take on your case?
What it takes to be an attorney and why is Manny so passionate about what she does?
September 29, 2016
Today's episode is a very short conversation about myth busting Real estate perception. There so many people that earn a real estate license or dream to get a real estate license and think that business is just going to come by osmosis. Trust me when I say it's going to take a minimum of 3 to 5 years for things to just flow your way. Work the hours or spend the money is the best advice I can give you. I was lucky enough to start on a strong team with an amazing mentor. My suggestion is take every class you can, treat this as a career not a job, and be willing to commit to the hours.
October 6, 2010
Yo know your looking for the best value in Norfolk. This is only a few blocks from the beach.
1127 Virgilina Ave
Norfolk, Va 23455
September 8, 2010
Lee Pridgen and Alison Creamer are at the Daily Grind in Virginia Beach Town Center. Today was a podcast about Farm Bureau Insurance benefits. Did you know you can get VIP entrance and a lawn chair for the first 50 Farm Bureau Insurance clients who come to the Virginia Beach Amphitheater. Lee and I talk about how to protect your self before a hurricane. Please call Lee to talk about your insurance needs. Im sure he can help you out !
Agent (o) 757-467-0603 (c) 757-620-0361 (f) 757-467-0508
1055 Kempsville Rd Virginia Beach, VA 23464
August 27, 2010
James Walrod Lender with Union Mortgage and Alison Creamer Realtor with Keller Williams Realty are at the Daily Grind in Virginia Beach Town Center today talking about how to buy a foreclosed home using the Home Path loan. Are you looking for homes that are bargains and distressed ? Did you know the bank will give you financing and do some fixing up for you . Its a GREAT way to get the house you want and get the repairs you need in order to buy the home. If you want more information about these kinds of homes please send me an email firstname.lastname@example.org and Ill send you the list of homes that qualify for this.
http://www.fanniemae.com/homepath/financing/index.jhtml ( information about the program )
James Walrod. 757-351-6408 Call James today to talk more about getting a loan on your next home. NMLS 1907, NMLS 260324
July 31, 2010
I know this is going to sound very simple to some I have to tell you I cannot count the number of homes I have gone in and people do not see the detail cleaning that could be done. Kitchen and baths will make or break a sale many times. If your competeing with an as is sale price in your neghborhood then why would you want your home to look like its going to be an as is sale as well. Take time to clean and detail the home. Declutter and get organized. Hire a stagger to help you. If need be get some contractors in there to make your house pop with style. Simple things like new pulls and hinges in the kitchen do help. Its sometimes all the little things that make a buyer say yes.
Realtor, ABR, CDPE
Keller Williams Realty
Licensed to sell Real Estate in Va
June 30, 2010
Vince Murray with Tidewater Mortgage services
Is refinancing your home a good idea even if you’ve been in the house for a short period of time?
Yes, the rates are in the 4’s now and it makes sense especially if you go with a 15 year loan. These rates are lower, sometime by a ½ % or more for a “par” rate comparison.
Par is the going rate without paying any discount points to achieve that rate- meaning”0” points to buy down the rate. [You can pay up front to lower the interest rate.]
In some instances the switch to a 15 year rate does not increase the monthly payment that much, especially if the client has paid on the 30 year note for a few years. With the reduced loan amount and the new reduced mortgage rate sometimes it can actually be lower per month.
A recent loan I had done involved a single woman that had paid 8 years into a 30 year loan. I was able to knock off 7 years of the loan and reduced the payments by about $93 a month. She had financed less money for a shorter term and at a better rate. I believe that it was less than 2 % difference in the two loan rates.
This same woman referred a neighbor of hers to me. In this case, her neighbor refinanced the original 30 year loan amount for 15 years and kept the cash difference to apply to some remodeling work. Her payment went up $106 a month, but knocked 8 years off her loan, and she was able to pay for the cost of the remodeling job. These are probably two exceptions to the general rule, but a 15 year loan saves so much money that it is worth it in the long run if you can afford the difference, since the rates are so low now.
Whether it is a new purchase or a Refi, the time is now. When the government decides the value of the dollar is too low or you hear the word inflation in the news a few times during a weeks’ period, watch out- higher rates will follow the next week. I try to encourage people to act now and find out what can done for them because I don’t want them to say, “I wish I had refinanced when the rates were lower.” I know that has happened to me on more than a few occasions. The rates are at an all-time low now and it brings great satisfaction helping people get the most for their money. Especially afterwards when they say “that was easier than I thought.”
Since completing the new testing and licensing requirements, I am more excited about the mortgage business. The new changes have been very positive. I have been receiving more new referrals and I can say that I have made many great new acquaintances. It’s nice to be involved in a business where you can help people actually find “new” money by refinancing or by giving them a peace of mind that they are getting the best deal available on buying their house.
June 24, 2010
Virginia Home Performance - Met Ray and hear how his company can help you have a better more efficient homes. EEM mortgage and new construction ratings.
Welcome to Virginia's Best Home Performance Contractor!
A drafty home, rooms that are too hot or too cold, and high energy bills are all common issues for homeowners. A quality installation of a new heating or air conditioning system, buying replacement windows, or adding more insulation may fix part of the problem, but the way to better results is through an integrated "whole-house" approach that looks at your most valuable investment as a system. We pride ourselves on diagnosing your homes issues and fixing them right the first time!
Virginia Home Performance Hampton Roads
900 Commonwealth Place, Suite 200
Virginia Beach, VA 23464
(757) 309-4786 - Office
(757) 313-6634 - Fax
(800) 757-6955 - Toll Free Office or Fax
Energy Efficient Mortgages (EEMs) has received a majot boost when the Federal Housing Administration (FHA) recently increased its limits for financing improvements to the energy efficiency of a home.