Showing posts with label cash out mortgage houston. Show all posts
Showing posts with label cash out mortgage houston. Show all posts

Friday, June 26, 2015

Falling Oil Prices and Its Impact On the Mortgage Industry




The current environment surrounding falling oil prices has affected consumers and producers around the globe, with fear that the recent plunges could cause the home prices to fall as well. However, that’s not the case.
Energy stocks are being compared to the housing market in the U.S. after the subprime mortgage crisis. Triggered by a large decline in the prices of homes, this lead to mortgage felonies, foreclosures and deflation. 
Real estate economists are predicting that mortgage rates will rise in 2015 and investors are buying now instead or waiting for oil and gas companies to regain strength, unlike the housing market during the energy crisis of 1980s.
Still unsure if it’s the right time for you to buy a home? Zeus Mortgage is here to answer your mortgage questions. Let me know your current mortgage concerns in the comments!

Monday, June 22, 2015

Three Ways To Motivate Your Employees



Summer is here and with it comes a lack of concentration and possibly even the summertime blues in the office. It’s hard not to think about European escapes, a weekend getaway to Galveston for a quick beach trip or even just a day off for a staycation. When employees spend most of their time longing to get away from the office, it hurts productivity and workplace morale – but there’s still hope 
Here are three ways to motivate employees to come to work excited and ready to get their work done during those lazy summer days.
  1. Team bonding:
    This may seem like a given, but many companies don’t know how to execute this well. Zeus Mortgage implements a new team exercise every month. On Friday afternoon, their team participates in a specific challenge chosen for that month. For example, one month focused on yoga and another month they sampled various types of coffee from around the world. It doesn’t have to be big, and there doesn’t necessarily need to be money spent, but when people know they are apart of a team, it makes them feel more connected and promotes a positive atmosphere. 
  2. Open environment:
    An open environment doesn’t necessarily mean having an open floor plan, but focuses on encouraging open communication. If employees feel like they can’t join a conversation or are too afraid to voice their ideas, opinions or grievances, there is a problem. It may sound cliché, but having a team that works in harmony can never lead to disrupt in the work place. This is something that helps not only during summer, but all year long. 
  3. Summer hours:
    Many businesses already incorporate this, but it can be a successful tactic if done correctly. Hours may vary – half day Fridays, no working on Fridays at all, etc. – but if employees can look forward to an incentive, they will work harder during the week to finish projects on time and produce great work.
It doesn’t take too much to encourage employees to stay in the work frame of mind, but remember they aren’t machines – everyone needs a break. Plus, there’s plenty to do in Houston during the summer, and no one wants to be left out!

Saturday, June 20, 2015

Open Carry in the Workplace is Bad for Business



I’ve said it before, this is nothing but continued self-fulfilling negative PR, and unfortunately for everyone in Baltimore, perception is reality. Just when I was hoping “open carry” wouldn’t get to the goal line in Texas the internet begins to use the Baltimore riots as an example of why we “need” open carry – but they’re wrong.
“You can’t get ahead when you’re trying to get even.” – Unknown
Q: What’s open carry in Texas have to do with Baltimore?
A: Nothing directly, but showing young black men rioting in the streets is all the PR you need to get such a counterproductive and silly bill, put forth by another minority and then voted into a law. There was a sliver of hope that the governor wouldn’t sign before the Baltimore riots. Now it’s just justification for the proponents.
Q: Why the opposition to open carry?A: There are a lot of good people that carry openly. You cannot tell from looking at someone if they are currently carrying a concealed weapon. This is helpful because the element of surprise is better than potentially becoming a target.
If you currently have a CHL, then you can carry your gun (concealed) in most places during your daily routine (gas station, restaurant, etc.). When a bunch of idiots of any race start to show off their guns at those places, that leads to these establishments prohibiting ALL guns. This basically eliminates the advantage and privilege given to current CHL holders.
Have you noticed who gets shot first in movies and even actual robberies? The guy with the gun – because he’s the obvious threat. If you want to rob someone then you identify and eliminate the threats first, so I suspect many more unassuming open carry citizens to get into unnecessary situations that will be dangerous for themselves and others.
I don’t want my daughters at a toy store standing next to an idiot with his 45 on his hip. A lot of CHL holders do not carry because it’s hard for the to conceal their preferred carry weapon, but with open carry we will see much larger, much more dangerous weapons in public.
You cannot identify a real-life situation where an open carry scenario would be better than a concealed carry scenario.
Q: Are you defending the criminals that are rioting and not the law abiding citizens that want to protect their families and businesses?A: No, I’m not.
Q: Why not support open carry? I’d feel more comfortable seeing other open carriers in my midst.A: Police and military practice open carry for access, not as a deterrent. For example, many detectives and federal positions do not open carry since they do not need access the same way as a soldier or police officer does. It’s a small business owner’s right to not alienate a majority of their customers for the preferences of the few, and I’ll unfortunately be lumped in with that group. I do not and will not feel comfortable with open carry in the midst of my daughters. There is more safety in concealment. Like I said above, there are almost no real-life scenarios where an open carry would be more beneficial to a concealed carry.
All of the questions and answers I’ve stated can be applied to the workplace. I would not feel comfortable letting my employees open carry – let alone would I want to alienate an employee who feels the same way.
Join the discussion! Let me know what you think of open carry in the workplace policies.

Tuesday, April 7, 2015

How to Buy 10 Homes in 10 Months with only $10,000


How to Buy 10 Homes in 10 Months with only $10,000

On April 14th and 15th I will be leading a course at the Realty Investment Club of Houston (The RICH Club) in Houston, Texas.
This course is designed for new and experienced real estate investors who desire rapid acquisition with limited capital resources. We spend six hours over two nights exploring the strategies investors need to purchase 10 homes in 10 months with only $10,000.
The course is designed to allow investors to purchase more or less homes in more or less time depending upon their specific investment objectives. An investor does not need the $10,000 to start, but they do need access to these funds. A fundamental rule of real estate investing is "conservation of capital". We encourage investors to have available cash reserves when they start investing, but many start without this.
Cash is King! Or is it? This course teaches you strategies to fund your real estate portfolio. Whether you are flipping, buying and holding or considering niche opportunities like Notes, owner-financing, multifamily, commercial or other, knowing how to leverage your money is key.  
-Steven Kaufman, president of New York Mutual and Zeus Mortgage
By the end of this class you will be able to:
1. Develop a personalized strategy to fund your preferred method of investing.
2. Calculate Return on Investment (ROI), cash-on-cash returns, and other formulas for investors.
3. Locate traditional and non-traditional funding sources such as; self-directed IRAs, private money, hard money, banks & credit cards.
The RICH Club (The Realty Investment Club of Houston) is the oldest and largest non-profit trade association for real estate investors in the United States. By the way, you don't have to be rich to attend The RICH Club. You come to The RICH Club to educate yourself on real estate investing. www.RICHclub.org



To register for this course visit this link:
Members of RICH only pay $199 | Non-Members only pay $249
This is the highest attended, paid course, that The RICH Club offers.
Houston Hard Money Lenders for Houston Real Estate Investor Lenders. 

Monday, March 16, 2015

The Five Qualitative Approaches to Inquiry - http://en.wikipedia.org/wiki/Steven_Kaufman

A quick look at the similarities and differences between the Five Qualitative Approaches to Inquiry in qualitative research.  

I created this as a quick reference guide to understanding the qualitative research approaches.  



Narrative Research
Phenomenological Research
Grounded Theory Research
Ethnographic Research
Case Study Research


Reference:  

Creswell, J. W. (2013). Qualitative Inquiry & Research Design: Choosing Among Five Approaches (3rd ed.). Thousand Oaks, CA: SAGE Publications, Inc.  

The Baldest Guy in Houston!  http://en.wikipedia.org/wiki/Steven_Kaufman


Thursday, April 17, 2014

Awhhhhh shucks!!!! - Steven Kaufman (the Baldest Guy in Houston)


April 11th, 2014

    RE:  The RICH Club Presentation by Steven Kaufman "Debt Engineering"

Steve,

Thanks for your presentation. It really broaden my vision. You are a great speaker. I look forward to hearing from you in the future.

Yours, Peter