Twas the Week Before Christmas

Posted on Dec 23, 2016

by Adam Hopler ‘Twas the week before Christmas, when all thro’ the office, Not a client was stirring, not even a prospect; The ads were all posted by Google with care, In hopes that some revenue soon would be there; Employees were nestled all snug in their chairs, While visions of bonus checks caught boss unawares. My partner in suit, and I in my slacks, Had just settled our brains for a long winter’s nap‍—‌ When at the front door there arose such a clatter, I sprang from my desk to see what was a matter. When, what to my wondering eyes should appear, But Matt Yablunosky, and eight tiny reindeer? Well, that just made no sense to me, Oh wait, those are pink slips in reindeer origami! Faster than Chris Rock his stories they came, And he whistled, and shouted, and call’d them by name: “From Darin! From Danvers! From Laird and Brandon, “From Carver! From Karyl! And some guy named Camden!; “With high circles run round that thermometer on all, “Now dash away! Dash away! I told them you’d call!” A wink of his eye and a twist of his head Soon gave me to know I had nothing to dread. He spoke no more words, but went straight to his work, And I was left standing there, feeling like a jerk, “But Matt!” I said, “you seem so Merry, I’ve no referrals for you, just a bowl of cherry!” And laying his finger aside of his nose, “Aw buddy, come on, you ought’a know, ‘Giver’s Gain,’ that’s the motto, it gives us our might And then I heard him exclaim, ere he drove out of sight‍—‌ Merry Christmas to all, and to all a good night.” Adapted from Clement Clarke Moore ‘s A Visit from St....

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Planning for the Ninth Inning… Before the Seventh Inning Stretch!

Posted on Apr 20, 2016

Adam Hopler, attorney at the law firm of Hopler & Wilms, LLP will be presenting a discussion of Estate Planning tools you need in well in advance of your final inning. Adam would love to have folk with kids or who work with or around parents in attendance, particularly those who like baseball as well. At the end of the presentation there will be a raffle for three (3) tickets to one game of the ACC Baseball Championship Tournament.* Members of BNI who pass any referrals and all visitors will be entered into the raffle. *The tournament runs from May 24-28 at the Durham Bull Stadium, the schedule is not set until Sunday the 22nd, once the schedule is set, the winner will be informed of the day and time and tickets will be made available at roll...

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Our New Location Ribbon Cutting!

Posted on May 4, 2015

Join us on MAY 19, 2015 @ 11:30 AM Ribbon Cutting for our New Location  2216 S. Miami Blvd. Durham, NC 27703 There will be food! There will be drawings and giveaways! Contact Adam Hopler for More...

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Have You Looked at Your 2 Web Sites Lately?

Posted on Apr 27, 2015

by Michael Davis, Owner and President of Lucid Impact. 2 web sites? What does that mean?? 2 web sites means that a trend that has been building for years has finally reached a tipping point and can no longer be ignored. As of April 21, 2015 something very significant will be happening on the web. The tipping point has come. Mobile devices are now making up if not close to half, a majority of the ways that people are seeing websites- depending on the industry. Those that don’t have mobile friendly versions of their websites are going to start to be penalized by Google.  This is not good for SEO rankings, to say the least. Many in the industry are referring to this as “mobilegeddeon”. Mobile versions of a website does not simply mean that you can see a website on a mobile device it has to format to fit the screen that is looking at it. A good way to figure this out for yourself is to look at your own website through your phone and through a tablet as well as on a laptop or desktop. Here are some questions to ask: Does the navigation automatically alter to look correct on all the devices? Is the layout fitting for the screen you were looking on? Can you readily see the most important elements quickly? If you’re unsure you really should check with someone that knows what site should be looking like in each of these mediums. The upside of having a mobile version of a website is: All things being equal sites that are mobile friendly will have preference by Google and naturally rank higher. An effective way to rank better and give visitors a better user experience overall when they come to visit. It is a great way to get a leg up on a lot of competition who thinks this is less important than it really is. Feel free to contact Lucid Impact if you would like to find out...

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The 3 C’s of Underwriting Mortgage Loans

Posted on Mar 18, 2015

by Karyl Smith of Alcova Mortgage Buying a home is the single largest purchase most people will make. It’s huge! For this reason, I prefer to meet with my clients up to a year ahead of purchasing. Why? If all is good, wonderful! We will begin the countdown of the timeline. If anything needs to be tweaked, then we have time to come up with a workable game plan. There are 3 very important components involved in getting a mortgage loan approved. They are: Credit – your credit score, any delinquencies, account status and account usage. Capacity – your debt ratios, monthly income compared to housing payment + other monthly debt Collateral – the property you are buying –the cost, what type it is, what is its primary use and how much you are putting down. GREAT CREDIT SCORES GIVES HOMEBUYERS OPTIONS! What affects credit scores?   How much revolving credit you have available to you versus how much revolving credit you are using. It’s best to keep debt to credit ration at 30% or lower. Example: Joe has a Visa credit card that has a high credit limit of $1000. He uses this card on a regular basis to pay for gas and groceries. His goal is to keep the balance of that Visa account at or under $300 each month.   How many cards have balances? Eliminate the balance on some of the low balance cards and it will help increase scores. Once you have those small balances paid down to $0, keep card open. Never remove old debt that was paid well from your credit history.   DO NOT be seen as a credit risk! Do not miss paymentsDon’t charge more than what is “the norm” for you Don’t take cash advances on your credit card These actions might signal a change in your finances that could be concerning to creditors. Other events that might affect your credit score: City fines Parking Tickets Back Taxes Unsettled Accounts such as Utilities REMEMBER, GREAT CREDIT GIVES HOME BUYERS...

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