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Business

FORECLOSURES AND INTEREST RATES

       Moratoriums on foreclosures have been lifted. Interest rates are rising. What does that mean for buyers, especially first-time home buyers? Available, affordable homes are scarce. If the first-time home buyer, or moderate income home buyer can find a suitable home, it may be very challenging to purchase. they find it more difficult to qualify or compete with investors who are creating bidding wars. Investors are offering more than the asking prices. I have seen $10,000. To $20,000 above asking price being offered. Investors are purchasing sight unseen, without appraisals, nor inspections. They are asking for thirty day, quick closing. For some reason, this is very prevalent in minority communities. Strange fruit. What can we do?

Business

A good credit score is a gateway to a better financial future

        There are many ways to approach setting yourself up for financial success. We know it’s important to spend within our means and save, making sure to have a “rainy-day” fund for unexpected expenses like a car repair. However, a topic that’s not addressed enough is how to manage credit wisely and the importance of a good credit score.

Business

HIGHER POWER ELECTRIC

James “Ronnie” Hayes is the President/Owner of Higher Power Electric, Inc. (HPE). HPE is a full-service, licensed Electrical Contracting company providing quality electrical repairs, upgrades, and installations for new and existing residential and commercial properties. Ronnie’s experience and expertise in the electrical industry spans over 45 years. He is exceptionally adept in electrical theory and practical application. His outstanding customer satisfaction ratings are eclipsed only by his personal commitment to excellence, wherein he stands behind the integrity of his workmanship. Other electrical tradespersons often seek his advice and expertise when faced with challenging electrical issues.