MEDIA CONTACT:
Charly Caldwell II
(239) 822-2314
charly@isgfl.com

FORT MYERS, Florida – November 2, 2009 – Fort Myers Web Development Firm, Internet Services Group of FL, LLC is proud to have Laura Hess join their Web Marketing Team as Web Marketing Manager.

Laura has been a business owner for six years and loves a challenge, having been a problem solver from birth. She has a passion for finding ways to increase productivity and empowering others to succeed. She looks forward to the opportunity to take great ideas, products and services to help others grow because marketing and helping people meet their business goals is so rewarding to her.

Remarks Laura, “I was the Google queen in my peer group. While working with Charly, and Internet Services Group, on my own website; my eyes were opened to the world of search engine optimization and I realized I had join them in the Web marketing frontier!”

Laura has deep roots in the mortgage and lending industry as a Certified Mortgage Planning Specialist where she has walked hundreds of buyers through the home-buying process. From this experience, she’s learned how people think as they go through the buying process. She has collaborated with her manager, Nathan Merrick, at Primary Residential Mortgage, Inc. to assist in marketing for PRMI and is currently learning the Web marketing ropes under close supervision of Internet Services Group Founder and President, Charly Caldwell II.

She adds, “My millions of hours on the net have paid off. Now I get do what I love, and show other how the Web can work for them!”

Laura is also heavily involved in the community, as President-Elect of the Pilot Club of Ft. Myers, a member of the Realtor Association of Greater Ft. Myers and the Beach, Inc., and serves on several committees at the Association including the Public Policy, Attainable Affordable Housing and Events Committees. She has a passion for traveling and exploring which explains her venturous spirit and she loves volunteering at Pilot International.

About Internet Services Group of Florida:

Internet Services Group of FL, LLC, is a national Internet marketing and Web development company headquartered in Fort Myers, Florida. ISG specializes in all forms of Web marketing, new media and social media strategy creation and implementation, search engine optimization, search engine marketing, Web site design and development, graphic design and video creation.

Internet Services Group of Florida, LLC can be reached toll free at (800) 775-9280, or via their Web site, www.isgfl.com. The company’s Web Starter Kit service is available online at: www.webstarterkit.com.

Contact Us

Web Site: www.isgfl.com
Web Starter Kit: www.webstarterkit.com
Blog: www.thebigpicture.isgfl.com
Twitter: www.twitter.com/charlycaldwell2
News Kit: www.isgfl.com/news-kit

If you’ve seen the news lately, you know concerns about inflation are increasing. But what does it really mean to you?

The fact is, inflation is a very serious issue, and it will likely be on the rise as 2009 proceeds…and along with it, home loan rates will rise too.

To help you learn more about this important topic, I want to send you a link to a short video, featuring the nation’s foremost mortgage industry expert. In this video, you’ll learn how inflation impacts interest rates and what the outlook is for down the road.

Because home loan rates will be on the rise, if you or any of your family, friends, neighbors or co-workers have been considering a purchase or refinance, now’s the time to act.

Please contact me today to discuss your specific situation, and feel free to forward this email and video link along to others that you think might benefit from it as well.

Watch the Video – Laura

"Feed Me"

Having Money is not about Luck – Money is not going to fly off the back of armored cars…like it did in Detroit where It’s Raining Cash!

Saving money and budgeting takes work. Those who take on the task and master it are rewarded greatly.

Need help feeding your piggy bank – listen to Benjamin Banks who will guide you on how you can FeedthePig.org

This is a great online tool for families to “trim the fat” in these tough economic times and a great tool that will help teach your kids the benefits of savings.

Check out some of the highlights on how to get started:

• Pick a personality similar to yours in Me Save?
• Sync your Feed the Pig profile with Facebook or your iGoogle Homepage to track your savings (the ultimate accountability tool )
• Find out how much you can save no matter what course your life takes in the 5% Challenge.
• Beat Your Brain -  see how well you understand the psychology behind your saving and spending habits.
• Talk to others about how they “Feed the Pig.”

Learn a ton more about saving through the resources section and check out the companion site, 360financialliteracy.org, which has advice for people at all stages of life.

Happy Saving!

1.      What are mortgage interest rates based on? Mortgage rates are based upon Mortgage Backed Securities or Mortgage Bonds, not the Treasury Note. While Treasury Notes sometimes trend in the same direction as Mortgage Bonds, it is not unusual to see them move in completely opposite directions. DO NOT work with a lender who has their eyes on the wrong indicators.

2.      What is the next economic report or event that could cause interest rate movement? For an up to date calendar of weekly economic reports and events that may cause rates to fluctuate, email me to be added to my FREE weekly newsletter about the mortgage market.

3.      When Bernanke and the Fed “change rates”, what does this mean and what impact does this have on mortgage interest rates? The answer may surprise you. When the Fed makes a move, they can change a rate called the “Fed Funds Rate” or “Discount Rate”. These are both very short–term rates that impact credit cards, Home Equity credit lines, auto loans and the like. On the day of the Fed move, Mortgage rates most often will actually move in the opposite direction as the Fed change. This is due to the dynamics within the financial markets in response to inflation. For more information and explanation, just give us a call.

4.      Do you have access to live, real time, mortgage bond quotes?
If a lender cannot explain how Mortgage Bonds and interest rates are moving in real time and warn you in advance of a costly intra–day price change, you are talking with someone who is still reading yesterday’s newspaper, and probably not a professional with whom to entrust your home mortgage financing.

5.      How will this loan impact my financial goals? How do I know which loan is best with regard to how long I’ll be in the home? We believe that mortgage planning is essential to determine what loan program is best suited for your overall financial goals and the amount of time you expect to be in the home.

Be smart, ask questions! The lowest rate quote may not be the rate delivered, and even if it is, the lowest rate on the wrong loan can still cost you more money in the long run!

This month, YOU Magazine visited with Jim McMahan, President of McMahan Mortgage Consulting and Executive VP of Benchmark Mortgage, to ask, “What should someone be looking for when considering a mortgage professional?” McMahan, a 22-year veteran of the business offered some interesting thoughts and personal experiences as a consumer that would serve anyone well when seeking advice and direction about a home loan.

Acting now to capture a great rate is great advice for many, but as always, the person whom you choose to do business with can have a big impact on whether or not the outcome is in your best interest.

A Tale of Two Loans
McMahan, who owns two homes, both with adjustable rate mortgages (ARMs), started taking notice when the servicers of his loans began calling him, suggesting that he refinance. After first dismissing the calls, he began to respond to the callers as though he did not work in the lending industry, just to see what they had to say.

His experiences on the phone alarmed him. People that were calling to suggest that “now” was the time to refinance actually knew little about his existing loan and nothing about his personal situation. That being the case, how did they know that “now” was a great time to act?

In McMahan’s case, one of his ARMs was scheduled to adjust in the short term and the other was not scheduled to reset for years. Both were at very attractive rates and based on current interest rates, would adjust lower at the time of resetting. In each case, choosing to act upon the advice of the caller would have resulted in increases in his interest rates and payments.

Choosing to act prudently and converting an ARM to a fixed rate can be beneficial for many but in all cases, additional information needs to be reviewed to make a wise decision. And while McMahan is not suggesting that you shouldn’t take the advice of someone offering you a new loan, he does recommend you work with an advice-based mortgage professional. An advice-based individual will supply you with information to help you make the proper decision, not simply tell you what they think is best.