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Home Buyer Workshop educates consumers, Helps feed the needy.

The cost of admission is one can of food or a box of dry goods.  This small donation to local South Shore food pantries gains you entrance to a Home Buyers Workshop to be held at Advance Mortgage Services, 25 Main Street in Plymouth, Mass.

All those who RSVP are eligible to receive a free credit report and personalized credit analysis.

The workshop is set for Wednesday, February 24, 6:30 p.m. – 7:30 p.m.  Reservations are required and can be made by contacting Michelle Solomon, Advanced Mortgage Services, 508-747-8233, msolomon@ams-loan.com.

The objective, informational workshop will cover how credit scores and monthly debt impact the program you may qualify for, the pre-approval and home buying process, how the current federal home purchase tax credit works, and what down payment requirements are for the different homebuyer programs.

Historically low mortgage rates and low listing prices are acting as a major stimulus to the real estate market.  Future workshops will outline strategies for improving credit scores, renovation financing programs for purchase and refinance, maneuvering the short sale and bank owned property markets, new requirements for purchasing investment properties,

About Advanced Mortgage Services LLC

Advanced Mortgage Services LLC was founded as a mortgage lending company in 2005 by Brian Thomas Comer, a financial services professional with more than 13 years experience in the South Shore real estate market.

Advanced Mortgage Services is a full service mortgage company that values and nurtures long-term customer relationships. The company is an active participant in community events and organizations throughout the South Shore. For additional information on services offered by Advanced Mortgage Services please call 508-747-9520 or visit www.ams-loan.com.

A Fair Housing and Equal Opportunity Lender, Advanced Mortgage Services is a fully insured and licensed Massachusetts Mortgage Lender and Mortgage Broker (license #MC3702.)

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AOL Business includes PR Works – How to Deal with Stupid New Business

AOL SMALL BUSINESS

How to Deal with Stupid New Business Ideas

By GEOFF WILLIAMS

February 5, 2010

Someone comes to you with an idea for a new business and asks for your opinion, as an entrepreneur. No doubt about it. The idea looks dead on arrival.

But think carefully before you speak. If you tell the truth, you crush someone’s entrepreneurial spirit. If you say nothing or feign a thumbs up mentality, you could regret it later when the poor guy or gal goes down in financial ruin.

So what should you say?

Obviously, there’s no right or wrong answer, but everyone we spoke to seems to agree about that speaking carefully part. So here are some thoughts to consider before you open your mouth.

Be honest. “You’re not being a very good mentor or advisor if you don’t tell someone what you really think,” says Anthony Citrano, a photographer and entrepreneur who has started four companies.

Donna Flagg, president of the Krysalis Group LLC and author of Surviving Dreaded Conversations, concurs with Citrano. “I can’t think of a good reason why someone would withhold what they think or how they feel, especially when it could be beneficial to another person. That said, I do not think it’s necessary to tell someone that he or she has a ‘stupid’ idea. Being mean is not the same thing as being honest.”

Instead, lead the discussion to why the idea is unworkable. Play Devil’s Advocate, or think of yourself a business therapist, there not to tell your patient what to do, but to guide him or her to the right answer. “Entrepreneurs by their very nature don’t take no for an answer,” says Citrano. “They can’t be told something’s not workable. They have to come to that conclusion on their own.”

If you think it’s a stupid idea, but this person wants to pay you to make the business work, ethically, should you accept the money? It’s your call. “If you’re a consultant and give away free advice, you’re giving away the only thing you have to sell,” reasons Linda D. Henman, Ph.D., president of Henman Performance Group, based in St. Louis. She considers it unethical to tell entrepreneurs their business isn’t workable before agreeing to be a paid consultant. “Unless I have taken the time to understand your business, how could I possibly give you advice? The other thing to consider is liability. If I give you advice, and you haven’t even hired me yet, I incur all the legal liability associated with my advice with none of the benefits.”

But you can always back out of the project without giving advice, if you really think this business is a losing proposition. That’s the route Steve Dubin, who owns PR Workzone in Kingston, Massachusetts, takes. He says, “I get approached by many entrepreneurs who think they’ve got the next pet rock. More often, they have Lawn Darts — something either dangerous, stupid or of little interest to sane people.”

He says that “for the obvious miscue, we wave the white flag. For the odd shaped peg, we give it a shot.” And because of that, he sleeps well at night.

Before you dismiss an idea, remember that no matter how unworkable the idea, it may work. Now, this doesn’t discount all of the above — if you truly think an idea for a startup is idiotic, you have to hold true to those beliefs. But it can’t hurt to have an open mind about the idea either.

Eva Rosenberg, who writes a syndicated tax column for Dow Jones’ Marketwatch.com and holds tax workshops, was humbled a couple times on this score — and is now very careful about labeling any business idea stupid.

Back in college, a buddy in Rosenberg’s marketing class was so impressed with her marketing ideas that, just before the semester ended, he offered her a position in his new company. He was going to invest in a fleet of airport vans, pick up travelers at their front door and take them directly to their terminal. It would cost about $20 per person.

Figuring people could get a bus for $3, she didn’t see the appeal, politely begged off, and next thing she knew, her classmate had created a thriving company that he later sold for a hefty sum.

She also remembers going on a job interview back in the day. The interviewer described what the cable TV company did, as Rosenberg listened respectfully, all the while thinking this business would never fly — not when people had seven, maybe eight, free TV channels at their disposal. Who was going to ever pay to watch TV?

“I thanked the kind man and backed out of there carefully, since clearly, I was dealing with a lunatic,” says Rosenberg, before adding ruefully: “You already know what happened to the cable industry.”

Geoff Williams is a frequent contributor to Aol Small Business. He is also the co-author of the new book Living Well with Bad Credit

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Don’t get left out, Get LinkedIn. South Shore Ad Club 2/24 event

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Not sure if LinkedIn has any value to your business? Want to enhance the impact of your LinkedIn profile? The South Shore Ad Club presents “Don’t get left out Get LinkedIn” that walks business owners through the gauntlet of technology.

The presentation is scheduled for Wednesday, February 24th, 6:00-8:00 p.m. and will be held at Granite Links, 100 Quarry Hills Drive, Quincy, MA.

Lisa Morrissey and Reiko Beach of The Toolbox Inc. will lead a discussion on how LinkedIn fits in to your marketing and branding efforts for you and your clients. Using an actual profile, they will analyze, suggest improvements, and answer your pressing questions on how and what to do with this powerful social marketing tool.

The price of admission is $30 for non-members, $20 for members. Light refreshments and hors’ d’oeuvres’ will be served. Copywriters, graphic designers, Web designers, ad agencies, PR agencies, photographers, typesetters, corporate communications professionals, marketing professionals, printers, videographers and small businesses are welcome to attend.

About the South Shore Ad Club

The South Shore Ad Club is a non-profit organization committed to the personal and professional development of communications professionals located south of Boston. It’s the club’s mission to improve, strengthen and advance career goals through learning and networking opportunities; and to serve as a resource for local and Boston-area businesses requiring marketing, advertising, public relations and/or communications services.

Space is limited. To RSVP, please contact Mary McElroy, McElroy Associates,

(781) 383-0505 or info@mcelroyassoc.net. Payment for this function can also be made on-line www.SouthShoreAdClub.com. Cash or checks will also be accepted at the door.

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Positioning Your Franchise For Growth in the Coming Decade presented by the NEFA

New faces are being drawn to franchising, but how do make sure these escapees from corporate America, recent college grads, women who are circumventing the glass ceiling, and recent American citizens choose your franchise opportunity?  How do you get above the “noise” in the marketplace?

Lynette McKee, CFE, a recognized franchise industry expert, will outline “Positioning Your Franchise For Growth in the Coming Decade”, a program presented by the New England Franchise Association (NEFA) on Tuesday, March 9 at the Doubletree Hotel, 550 Winter Street, Waltham, MA.

The evening includes a cocktail and networking session beginning at 5:30 p.m., dinner at 7:00 PM, and then the presentation. The entire business community is urged to attend. Membership in the NEFA is NOT required. Reservations are required.  Registration Fee is $60 per person and includes dinner.  NEFA Members receive $10.00 off.

The negative noise includes a deep recession, lack of financing, negative growth, higher taxes, risky times, inflation, foreclosures, high unemployment, stagnation, bankruptcies, underemployed, and more.  These elements make it hard to sign new franchisees.

On the other hand, these noise factors could be considered great opportunities for “frantrepreneurs”.  There is an abundance of real estate, human resources, competitive build outs, tax incentives and reduced competition.

McKee will be talking about ways to “get above” the noise and position your franchise for growth by taking advantage of the great opportunities available in this economy.

McKee was featured in an article in Franchise Times listing the “Top 25 Franchise Executives in the US,” As well as named in the “TOP 20 to Watch” in the 2005 January issue of the Franchise Times.  She holds the Certified Franchise Executive (CFE) designation from the International Franchise Association and been a CFE instructor.  Her franchise career has spanned the last 20 years in the hospitality industry.

McKee, has recently joined Checkers Drive-In Restaurants, Inc. as Chief Development Officer, located in Tampa, FL.  She has also served in executive positions at Dunkin’ Brands, Burger King and Metromedia Restaurant Group, parent company for Bennigan’s Grill and Tavern, Steak and Ale, Ponderosa and Bonanza Steakhouse restaurant chains in Dallas, TX.

About NEFA

New England Franchise Association (NEFA) is the trade organization for franchisors and franchisees in the region, with over 150 members. The mission of NEFA is to bring franchise executives, franchisees and vendors together to share ideas for success.

Franchising more than ever before, has an unprecedented opportunity to make a major positive impact on the future New England economy. In a 2001-05 study conducted by PriceWaterhouseCoppers on behalf of the International Franchise Association (IFA) found that in New England over 875,000 jobs are a result of franchising, the total output is over 100 Billion dollars a year, and there are over 35,000 franchise establishments in the six New England States.

To reserve your seats, please contact New England Franchise Association via the organization’s website www.NEFranchise.org, email: info@NEFranchise.org, or by calling Jim Coen, (617) 469-3002.

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Advanced Mortgage Services outlines options for tapping into home equity for cash strapped senior homeowners.

DATELINE: NORWELL and PLYMOUTH, MA…

With investments down and a continuing consumer credit crunch, more and more seniors are taking a second look at reverse mortgages as an attractive way to tap into the equity in their home. Even though home values have fallen, many senior homeowners retain a sizeable amount of equity in their homes.

“Tapping into a home’s equity is a very viable option for senior homeowners who are cash poor and house rich,” explains Brian Comer, President of Norwell and Plymouth based Advanced Mortgage Services. “Reverse mortgages continue to offer seniors the ability to be able to stay in their homes and maintain their quality of life as they age without having to worry about the limitations of a restricted income.”

A reverse mortgage is essentially the opposite of a traditional mortgage. Unlike traditional mortgages where borrowers make monthly payments, in a reverse mortgage the cash flow is reversed, and the lender makes payments to the borrower, enabling borrowers to use the tax free cash they receive in any way that they wish. Seniors commonly use the money to supplement their retirement income, pay for medical expenses, pay off an existing mortgage or debt, fund home repairs, or for travel or vacations. Payment may be received in a lump sum, as a line of credit, or in monthly installments.

To qualify senior homeowners must have positive equity in their homes and all homeowners listed on the title must be at least 62 years of age. There are no minimum income, asset, or credit qualifications to meet and no effect on Social Security or Medicare benefits sine the IRS currently treats mortgage proceeds as a loan advance rather than taxable income. The property must be the primary residence of the borrower and properly insured and maintained, with real estate taxes kept current. As long as the borrower continues to live in the property the loan can never be called.

Unlike a traditional mortgage where the balance starts high and the borrower’s monthly payments reduce the loan balance, the balance of a reverse mortgage loan starts low and continues to increase as more cash is drawn and the deferred interest charges are added to the balance. Repayment is required if the home is sold, or when the last borrower permanently leaves the property, or passes away. At that time, the heirs can sell or refinance the property to pay off the loan.

The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage or HECM, and is only available through an FHA approved lender. According to the National Reverse Mortgage Lender’s Association, HECMs, which are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development (HUD), account for nearly all reverse mortgages made today in the U.S.

The number of HECM loans made during the current recession have remained steady despite decreasing home values. HUD data, which is reported by federal fiscal year (each federal fiscal year begins October 1 and runs through September 30 of the following year) shows that 114,692 HECM loans were made during FY 2009, and 112,154 HECM loans during FY 2008.

For additional information please call the Reverse Mortgage Division of Advanced Mortgage Services at 888-665-6345 for a free personalized consultation.

Advanced Mortgage Services LLC

Advanced Mortgage Services LLC was founded as a mortgage lending company in 2005 by Brian Thomas Comer, a financial services professional with more than 13 years experience in the South Shore real estate market. Advanced Mortgage Services is a full service mortgage company that values and nurtures long-term customer relationships, providing options and solutions with maximum benefit and genuine concern for their customer’s interests.

Advanced Mortgage Services team of loan officers maintains rigorous licensing requirements set by the Massachusetts Division of Banks and is committed to upholding the highest standards in the mortgage industry while offering customers the best possible solution for any mortgage-related needs.

Advanced Mortgage Services, which is an active participant in many community events and organizations throughout the South Shore, is located at 335 Washington Street in Norwell, MA 02061 and has an additional office at 25 Main Street in Plymouth, MA 02360.

For additional information on services offered by Advanced Mortgage Services please call 781-659-6555, 508-747-9520, or 888-665-6345, or visit www.ams-loan.com. A Fair Housing and Equal Opportunity Lender, Advanced Mortgage Services is a fully insured and licensed Massachusetts Mortgage Lender and Mortgage Broker (license #MC3702.)

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CommTank announces Luis Diaz listed as Third-Party UST Inspector by MassDEP.

WAKEFIELD, MA…

CommTank of Wakefield, MA has announced that staff member Luis Diaz is eligible to conduct inspections of Underground Storage Tank Systems in Massachusetts as a trained Third-Party Inspector. Diaz is included on MassDEP’s most recent Third-Party UST Inspector List issued on January 15, 2010.

Recent changes to Massachusetts Underground Storage Tank Regulations stipulate that
by August 8, 2010, the owners/operators of most underground storage tanks (USTs) in Massachusetts are required to have their USTs and associated piping inspected by Third-Party Inspectors.  Inspections must be repeated every three years.

Third-Party Inspectors conduct detailed inspections of USTs and piping systems. Their work includes: documentation of the results of their on-site inspections; review of facility record keeping to ensure that it meets UST Program requirements; and submission of reports on their findings to the Department of Environmental Protection (MassDEP).

Third-Party Inspectors are hired directly by tank owners and operators and report UST facts to directly to MassDEP.  While they provide advice to their clients about compliance issues, they are not authorized to enforce laws and regulations.

CommTank’s trained third party inspector works closely with businesses to ensure that all regulation requirements are met in a timely and economical manner. In addition, CommTank performs an initial evaluation prior to the actual inspection.

About CommTank

CommTank, founded in 1994 and located at 84 New Salem Street in Wakefield, MA, specializes in the removal and installation of above and underground storage tanks and site remediation, i.e. emergency spill response, site assessment, laboratory analysis, excavation, and site closure.

CommTank’s services are available Monday through Saturday, with emergency service available 24 hours a day, 7 days a week. CommTank’s service area includes most areas of Massachusetts, southern New Hampshire, and Maine. For further information please visit www.commtank.com, or call 1-877-66 TANKS or 1-800-628-8260.

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Winters Company Plumbing & Heating Helps Greater Boston’s Homeowners “Go Green”

Winters Company Plumbing & Heating, providers of plumbing and home services to thousands of residents throughout greater Boston, has recently announced their new “green initiative” for homeowners.

 

Winters Company is offering a Home Systems Analysis to homeowners seeking to upgrade their older systems to “greener”, more cost-effective, energy efficient systems.

“There are a number of upgrades that homeowners can make that will save them a lot of money over time and which are better for their home and the environment. As part of the 2009 Federal Stimulus Package, tax credits for certain energy improvements are available until the end of 2010,” noted Tim Flynn, the company’s president.

Winters Company offers these “green” upgrades that are eligible for a tax credit:

 

  • Tankless Water Heater upgrade provides the homeowner with a constant supply of hot water while saving the homeowner money. Tankless water heaters heat water directly so there is no need for a storage tank. They also free up space in your home and are safer than conventional water heaters.

  • Oil to Natural Gas Heating System Conversion means better efficiency, less maintenance and quieter and cleaner burning fuel than oil. Homeowners who already have gas heating should consider replacement to gain better efficiency if the system is more than 15 years old.


  • Air-Conditioning Upgrade to an award winning Westinghouse Cooling System which is the most efficient on the market and provides total home comfort and reduced utility bills.

 

These upgrades qualify for the Energy Star tax credit, which is a federal tax credit of 30 percent of the total cost (up to $1,500). The tax credit is available until December 31, 2010.

To make it even easier for homeowners, Winters Company has made the appropriate tax forms available on their website for easy download at www.wintersplumbing.com.

To schedule a Home System Analysis or for more information, contact Winters Company at (617) 484-2121.

About Winters Company Plumbing & Heating

Since 1994, Winters Company Plumbing & Heating has specialized in providing home services of plumbing, heating, ventilation and air conditioning (HVAC), and kitchen and bath remodeling projects to thousands of homeowners throughout Eastern Massachusetts.

Winters Company is the largest residential plumbing company in the state, with 20 trucks on the road and a full staff of licensed and insured plumbers and technicians. In addition to 24 hour service and lifetime guarantees on many of their services, Winters Company has standardized their services, which ensures that every customer receives the same high quality workmanship delivered in the same professional and courteous manner.

Winters Company has been honored with a number of awards over the years including the Local Torch Award for Excellence from the Better Business Bureau and Angie’s List Super Service Award. Winters Company is headquartered in Cambridge, MA. For more information, call (617) 484-2121 or visit the website at www.wintersplumbing.com.

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High Five! DirectBuy of Atlanta NW celebrates five-year milestone

ROSWELL, GEORGIA…

For more than five years, DirectBuy of Atlanta NW has been offering consumers in the greater Atlanta area a brand new way to save on home improvement products, home furnishings and accessories.

As the leading members-only home improvement and home furnishings club, DirectBuy of Atlanta NW offers direct insider pricing on products ranging from light fixtures to televisions to kitchen cabinets, all from more than 700 manufacturers or their authorized suppliers. DirectBuy also offers design, delivery and installation services.

“The growth we’ve experienced since we opened our doors five years ago is a little hard to fathom,” said Bob MacDonald, owner of DirectBuy of Atlanta NW, located at 10 Mansell Court East, Suite 200, in Roswell. “Not only have we grown in terms of the number of our members, but also in the number of manufacturers who want to sell their products through DirectBuy. And that’s got us even more excited about the next five years.”

In addition to the tremendous savings on home furnishings, home improvement items, entertainment and outdoor products, flooring and accessories, DirectBuy also offers design services to its members, as well as a listing of local contractors who offer installation services to DirectBuy members, often at a discounted rate.

“Our five years in business have not only given us the opportunity to help families create the home of their dreams, but to also establish ourselves as part of the local business community,” said MacDonald. “We look forward to further cultivating those relationships with our customers and the community as we build toward even bigger and better things in the years to come.”

About DirectBuy

Since 1971, DirectBuy has helped hundreds of thousands of families enjoy a better quality of life, enabling them to buy directly from more than 700 manufacturers or their authorized suppliers. Buying direct enables members’ hard-earned money to go much further, while having the selection and choice not available at any retail store. DirectBuy has been serving the greater Atlanta area since 2005. Access to confidential prices, local suppliers and unparalleled selection helps make members’ dream projects a reality.

To request a “Free Insider’s Guide to Buying Direct” and a Visitor’s Pass to learn more about the superior value and benefits of a DirectBuy membership, visit www.DirectBuy.com or www.DirectBuyCares.com.

 

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High Five! DirectBuy of North Alabama celebrates five-year milestone

HUNTSVILLE, ALABAMA…

For more than five years, DirectBuy of North Alabama has been offering consumers in the greater Huntsville area a brand new way to save on home improvement products, home furnishings and accessories.

As the leading members-only home improvement and home furnishings club, DirectBuy of North Alabama offers direct insider pricing on products ranging from light fixtures to televisions to kitchen cabinets, all from more than 700 manufacturers or their authorized suppliers. DirectBuy also offers design, delivery and installation services.

“The growth we’ve experienced since we opened our doors five years ago is a little hard to fathom,” said Justin Manley, owner of DirectBuy of North Alabama, located at 6515 University Drive Northwest in Huntsville. “Not only have we grown in terms of the number of our members, but also in the number of manufacturers who want to sell their products through DirectBuy. And that’s got us even more excited about the next five years.”

In addition to the tremendous savings on home furnishings, home improvement items, entertainment and outdoor products, flooring and accessories, DirectBuy also offers design services to its members, as well as a listing of local contractors who offer installation services to DirectBuy members, often at a discounted rate.

“Our five years in business have not only given us the opportunity to help families create the home of their dreams, but to also establish ourselves as part of the local business community,” said Manley. “We look forward to further cultivating those relationships with our customers and the community as we build toward even bigger and better things in the years to come.”

About DirectBuy

Since 1971, DirectBuy has helped hundreds of thousands of families enjoy a better quality of life, enabling them to buy directly from more than 700 manufacturers or their authorized suppliers. Buying direct enables members’ hard-earned money to go much further, while having the selection and choice not available at any retail store. DirectBuy has been serving the greater Huntsville area since 2005. Access to confidential prices, local suppliers and unparalleled selection helps make members’ dream projects a reality.

To request a “Free Insider’s Guide to Buying Direct” and a Visitor’s Pass to learn more about the superior value and benefits of a DirectBuy membership, visit www.DirectBuy.com or www.DirectBuyCares.com.

 

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