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Leading to Success

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“Leadership and learning are indispensable to each other,” said John F. Kennedy in 1963. Those words are still true today, perhaps more than ever. Business leaders at companies of all sizes are now required to adapt to change quickly and effectively as a result of evolving technology, an increasingly global economy, and what some consider an overdue focus on ethical business practices.

Spencer for Hire :: Are We The Prey? Part 3: Purchase

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Once again we’re back with the third part of Predatory Lending, Sub-prime loans and racial disparity among borrowers. Before we begin, I need to address a few areas you may not be aware of, but are crucial to our existence as homeowners. I covered the Home Mortgage Disclosure Act (HMDA) implemented by Regulation C a few weeks ago. Here are three other very important terms and regulations I will touch on and encourage you to research. Coincidently, I plan to cover these areas more in depth after this series.

How Well Do You Know the Young People around You?

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How Well Do You Know the Young People around You?

Do you know someone who could use a rock? The story goes: “A fifteen-year old girl has a nasty fight with her mother, slams the door shut, and cries herself to sleep. She wakes up in the morning to discover a small package outside her bedroom door.

Spencer for Hire :: Part 2: Refinance

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Let me make a few quick points before I begin to discuss refinancing statistics and sub-prime loans. First, it is important to know where we stand on the scale of Riverside and San Bernardino County’s economic income stability level.

Can You Spare Some Change?

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You know how it is when you meet somebody and everything about this person is great except for one thing. It could be their attire, their financial state, or their viewpoint on a certain subject.

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