This Christmas and Holiday Season we wish to extend our warm
wishes to you and your loved ones. We hope and pray
the New Year will bring you much peace and joy throughout the
coming year.
This coming year, our mission will be to continue helping people
work thru this tumultuous times we are in. Helping people achieve their
dreams. Helping people save money and helping people avoid costly
mistakes.
Over the past 30 years, I have
consulted with thousands of clients who put their trust in the
information provided to them and
the companies we represent. It is an awesome responsibility
that is not taken lightly.
I realize that the destiny of those we serve are in our hands, and
that my friend is a sobering though. Each time I or one of
our colleagues meet with
people we treat our clients financial matters as if they were our
own. It's personal. It's Professional.
We want to thank you for your loyal support all of these years!
And for those that have not had an experience working with us and our
fine services, we invite you to give us a call and see for yourself.
It will be refreshing and rewarding to see that People Really Do Come
First!
Steve Srein - Founder
Steve Srein brings his 33 years of banking, financial
and real estate experience together in one easy to read newsletter. Steve
gives you a simple format with links that will help you easily navigate
and understand these important subjects.
JoAnn Srein brings over 12 years of financial and real
estate experience to our team of writers.
You
have the best two people in the industry on your side working hard to
earn your business.
The goal of the People Come First Newsletter is
to keep you informed with the latest financial and real estate news that
will help you make sound financial decisions.We strive to save our subscribers and customers MONEY!
Together we invite you to share the People Come First
Newsletter with your friends, family and associates.Anyone can subscribe by sending us an email to Info@PeopleComeFirst.net
and ask for our newsletter. Or
they can visit www.PeopleSaveMore.net
and click on the Newsletter section.
With the help of our subscribers and other resources, we have
gathered many helpful and useful web links and we bring them to you
in two great web pages.
With over 33 years in the financial industry, we will provide you
with insight and history on how we got where we are now and where the
chain of events could lead us.
First Time Buyers Get $7,500 Tax Credit - You Must Buy Before
July 1, 2009
"Washington - First-time homebuyers should begin planning now to
take advantage of a new tax credit included in the recently enacted
Housing and Economic Recovery Act of 2008."
Click Here to Read IRS Notice
Consequences For "Walk Away" Borrowers
"The government and the lending
industry are taking aim at “walk-away” home owners who stop making
payments and months later send the house keys back to their lender."
Read Complete Article at Realtor.org
7 Steps to Prepare for an Open House
These steps can be used for an Open House or preparing your home
to sell.
Click Here Realtor.org
Local - Brevard County's First Time Homebuyer Program
"First-time homebuyers get financial help. Loans, funds
available for down payments." Read
Florida Today 12/14/2008
You will find all the information you need to become eligible
for down payment assistance on their web site.
We can help you walk thru the process of getting your preapproval
and provide you the financing you need at a great rate.
Link
to Golden Realty Group Web Site JUST SOLD - $130,850 1782 Cape Palos Dr, Melbourne, FL 32935
Listed 11/10/2008
Contracted 11/20/2008
Closed 12/22/2008
Seller Saved over $2600
Mortgage Lenders are Showing more
Willingness to Rewrite
"WASHINGTON,
Oct. 22 (UPI) -- U.S. mortgage lenders
are showing more willingness to rewrite
loans for troubled homeowners, a trade
organization said."
Read More at UPI.com
Foreclosure Web Sites and More - These are our three
favorite web sites where we can get FREE information.
The
Latest Wholesale Mortgage Rates - 4.625% Rates?
(*Rates subject to change without notice)
Interest Rates May Vary Slightly Based On Your Area of the County
"WASHINGTON (AP) -- The Federal Reserve has
cut its target for a key interest rate to
the lowest level on record and pledged to
use "all available tools" to combat a severe
financial crisis and prolonged recession."
Read Complete Article at
Yahoo Finance
Now Is a Great Time to Buy
"This fall could be a particularly
great time for first-time or buyers long out of the market to jump
in, say a variety of real estate professionals.
HUD has
announced effective with FHA case
numbers assigned on or after January 1, 2009, the
borrower's minimum cash investment requirement will increase to
3.5%.
If you have a story or experience to tell, send us
an email Click
Here
Your experience or story may help or inspire someone else that is
experiencing the same situation or may prevent someone from making the
same mistake.
Florida Gets New Homeowners Insurance Company
"Fed up with a property
insurance
bill that quadrupled after the hurricanes of 2004 and 2005, retired
Florida businessman Mike Gold decided to take a stab at the
insurance
trade." SunSentinel.com
"WASHINGTON-With increasing portions of the $700-billion bailout
package being earmarked for banks, credit unions are looking to
develop a rescue plan of their own."
December 2008
"WASHINGTON — Tax year 2008 is quickly nearing an end. The
Internal Revenue Service reminds taxpayers to avoid putting off
important financial tasks until the last minute. The important
deadline of Dec. 31 is fast approaching for many tax-planning
issues."
November 24, 2008 "WASHINGTON — The Internal Revenue
Service today issued the 2009 optional
standard mileage rates used to calculate
the deductible costs of operating an
automobile for business, charitable,
medical or moving purposes."
IRS - Charge to Increase For Copies of Tax Returns
"Beginning Nov. 1, 2008 the fee for an exact copy of a
previously-filed and processed tax return and all attachments will
increase to $57 to reflect better the cost of processing the
request."
Bookkeeping Services Starting at low as $15.00 Per Hour
Quarterly Tax Preparation Starting as low as $25.00 Per Return
QuickBooks & QuickBooks Pro Qualified
25 Years Bookkeeping Experience
Don't forget about tax season! Its just around the corner.
Save and we beat their costs hands down.
Tax Season Is Just Around The Corner. Now is The Time
To Start Planning.
We can help and we can save you more!
Our fees are much lower than the competition!
Need help finding Home Owners Insurance in Florida? Check Here
TV on the Web (added 12/08) -
Click Here
On Line Stationary (added 12/08) -
Click Here
360-Degree Photo Viewer (added 12/08) -
Click Here
Your comments are very important to us. Others that we
have the opportunity to serve would like to hear what you have to
say. That's why we created our online Customer Comments page.
Thank you so much for
all your help. We lover our house! Thank God for good
honest people like you.
Lisa & Darrin - Melbourne, FL
You all strive to build long-term
relationships based on honest, professionalism and mutual
respect. Its been a pleasure working and know you both.
Herb & Amber - Merritt Island, FL
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Come First Newsletter. If
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The
author shall have neither liability nor responsibility to any
person or entity with respect to any loss or damage caused, or
alleged to be caused, directly or indirectly by the information
contained in this email newsletter and/or at the www.PeopleComeFirst.net
website or its affiliates. The information, methods and techniques
described may not work for you and no recommendation is made to
follow the same course of action. Every effort has been made to
verify the accuracy of all content contained herein. However,
there may be mistakes; typographical, mathematical, or in content.
This email newsletter has been created for your entertainment
only. You must always seek the proper professional advice before
taking any financial or legal action.
Thank You for your
continued support.
Steve
& JoAnn Srein
In Florida
People's First Financial Services, Inc. "Dedicated Service Since 1986"
2299 Sarno Rd, Suite B - Rear
Melbourne, FL 32935
(321) 242-8240
Fax (877) 202-2968 "Where People Do Come First" www.PeopleComeFirst.net
Golden Realty Group
Home of the
"Award Winning"
FSBO Connection Program
PO Box 410497
Melbourne, FL 32940
(321) 243-4892
"We Follow The Golden Rule" www.PeopleSaveMore.net www.GrgRealty.com
From
The Heart
