Every once in awhile I like to get up on the proverbial soapbox and preach against or for some of the things that are going on around me. I don't expect to change anything all that much, but maybe someday when I have something to say, someone who has the say-so at changing things will pay attention and do something. ...more

March 26, 2009

Now could be a good time to refinance your home because mortgage rates are low. ...more

February 16, 2009

Low-Income Loans The recent decision by the city and county to ban "yield spread premiums" on low-income loans is yet another example of government removing choices under the guise of protecting people. I was in the mortgage business for 12 years but am no longer in it, so I have no dog in this fight, but I can tell you that a yield spread premium is a great way to reduce the out of pocket expenses associated with a home closing. ...more

November 20, 2008

If recessions could have a sound, it would be the slam of lending windows shutting at banks. No wonder: When businesses and consumers have trouble borrowing money, economic growth may grind to a halt. ...more

January 30, 2008

SEBRING – When initially meeting anyone, that first impression is always important. This is especially true in business because that first encounter may be the last opportunity to convey the trust and confidence necessary for a lasting relationship. This is of utmost importance to Michael Witham, the returning chief operating officer at the Alan Jay Automotive Network since August. He believes every employee makes an impact with a customer, and each impression is important whether it's the receptionist, detail person or courtesy driver. He wants employees to decide the right thing to do. And by empowering them, their actions are decisive in satisfying the customer. Witham is the third generation growing up in an automobile dealership family. He remembers pulling weeds, washing cars, emptying trash and doing whatever needed to be done at a dealership even before he was able to drive. ...more

September 16, 2007