Is this you? As a journalist, you can create a free Muck Rack account to customize your profile, list your contact preferences, and upload a portfolio of your best work.
Claim your profile
Articles by Robert Stephens
The Prime of Miss Jean Brodie 1969 1080p BluRay x264-OFT
Vanished S01E02 Versions: 166MB 2.8GB Scum of the Brave S01E05 Versions: 67MB 67MB 89MB 135MB 690MB 1.3GB Tojima Wants to Be a Kamen Rider S01E18 Versions: 89MB 90MB 116MB 178MB 722MB 1.4GB Firefly S01 Pack Versions: 7.7GB Murdoch Mysteries S19E14 Versions: 189MB 680MB 1.8GB The Jonathan Ross Show S23E01 Versions: 233MB 243MB 286MB 1.5GB 1.8GB 3.5GB Tomb Raider: The Legend of Lara Croft S02 Pack Versions: 2.2GB 2.8GB Trigun Stampede S01E17 Versions: 100MB 101MB 129MB 162MB 280MB 720MB 1.4GB A...
From HR Manager to VP Leader
Dorea Mays ’16MHR has a lot of reasons to smile. After earning her master’s of human resources (MHR) from Rollins, her career soared within Rosen Hotels & Resorts, culminating in a promotion to vice president of HR. But the smile on her face comes from a deeper place. “I love my job,” says Mays. “I love the whole idea of human resources. I love this company and I love problem solving—I call it ‘my jam.’” Such affection could easily be lost in a sea of duties.
Misadventures in Artificial Intelligence
DPH Perspectives/Decorative Plumbing & HardwarePro Talk by Caroline Hetzel June 24, 2025 June 24, 2025 FacebookTwitterPinterestEmail 5 Hello, fellow sales warriors – those helping Mrs. Gotrocks pick out the perfect bathroom suite and receiving all the calls and emails from her designer, architect and builder. This is my field report on using artificial intelligence to enhance my ability to sell toilets and doorknobs. To clarify, I am not an AI expert.
Architecture of Cities: Naples, Italy
Share Share on Facebook Share on Twitter Pinterest Naples is a southern Italian city. The city is the capital of the Campania region and ranks third among Italian municipalities. As one of the world’s oldest continuously inhabited cities, it was built by the Greeks. It is known for its thriving and mixed culture, with influences from the Roman Empire, the Renaissance, Baroque and Neoclassical periods. Naples is also a major economic centre in the region, home to many historical sites.
An inside look at the studios of Apollo Architects & Associates
Share Share on Facebook Share on Twitter Pinterest Satoshi Kurosaki founded Apollo Architects & Associates in Tokyo, Japan, in the year 2000 with the vision of spawning ‘a rich spirituality’ within a space while keeping it impervious and utilitarian. APOLLO is an architecture studio that draws on professional experience in product development in a large residential company.
Local store prepares for last-minute Christmas shopping
JOHNSON CITY, Tenn. (WJHL) — Christmas Eve, the day before the Christmas holiday, or as some like to call it, the last chance to grab a gift. Although you may not find the best deals this close to Christmas, many stores open their doors on Christmas Eve so you can rush in for those last-minute items. In Downtown Johnson City, a local shop called Boomtown and Co. said they’ll extend their hours past 3 p.m. if they still have shoppers coming in.
Lynette Romero leaving KTLA after 24 years
Lynette Romero is leaving KTLA after 24 years, it was announced today. The Emmy Award-winning reporter and anchor’s departure was announced live on air, before being shared by the station on Twitter. “After nearly 24 years, Lynette Romero, our friend Lynette, has decided to move on from anchoring our weekend morning news,” entertainment anchor Sam Rubin said during a broadcast.
Even “Singles” Need Estate Plans
If you don’t have a spouse or children, you might think you don’t need to do much estate planning. But if you have any assets, any familial connections, any interest in supporting charitable groups – not to mention a desire to control your own future – you do need to establish an estate plan. In evaluating your needs for this type of planning, let’s start with what might happen if you die intestate – that is, without a last will and testament.
Here’s a long-lasting Mother’s Day gift
Mother’s Day has almost arrived. As an adult, you can fully appreciate all your mother has done for you, so, on this occasion, you may be happy to give Mom flowers, candy, jewelry or something similar. But Mother’s Day is here and then it’s gone. Is there a longer-term gift that can make a real difference in your mother’s life? Actually, there is – the gift of knowledge for her financial future.
Look at Your Financial Situation Holistically
What’s the biggest financial mistake you can make? Choosing the wrong investments? Waiting too long to save for retirement? Underestimating the costs of retirement? All these are reasonable answers, but the biggest mistake you might make is not looking at your financial picture holistically – that is, not bringing into the picture all the elements of yourself.
Be Conscious of Your Investment Environment
On April 22, we observe Earth Day, an occasion that has inspired millions of people over the decades to take steps to clean up our world. Of course, your physical surroundings are important, but you also operate in other “ecosystems” – social, cultural and political. And you’ll need to consider your investment environment, too. How can you improve it? Here are a few suggestions: • Avoid “toxic” investment strategies. The dangers of pollution helped drive the creation of Earth Day.
Will Investors Change Behavior After the Pandemic?
The COVID-19 pandemic may end up changing our lives in some significant ways. To cite one example, it’s likely we’ll see a lot more people continue to work remotely, now that they’ve seen the effectiveness of tools such as videoconferencing. Education, too, may be forever changed in some ways. Perhaps just as important, though, is how many people may now think more about the future – including how they invest.
How Much Risk Should You Take Before Retirement?
If you’re planning to retire in just a few years, you may be getting excited about this next phase of your life. However, your ability to enjoy retirement fully will depend, at least partially, on the resources you can draw from your investment portfolio. So, while you still have time to act, ask yourself if you’re comfortable with your portfolio’s risk level. Your relationship with risk can change noticeably over time.
Which Retirement Plan Is Right for Your Business?
If you’re a business owner, you’ve got a lot on your mind cash flow, competition, marketing, and so on. However, you may also want to think about tomorrow – if you don’t already have one, you might want to consider establishing a retirement plan. Beyond helping you and your employees build assets, a retirement plan is a good way to attract those employees in the first place – and to keep them.
Avoid Financial Mistakes During Retirement
When you retire, you’ve learned a lot about all sorts of things, helping you avoid some of the mistakes you made earlier in life. However, you may still be susceptible to financial missteps specifically related to your retirement years. How can you dodge these errors? Consider these suggestions: You need to login to view the rest of the content. Please Login. Not a Member? Join Us Read more articles
Why GSF?
When selecting a single close construction lender, select GSF and you will not have to look elsewhere. GSF controls the entire transaction from beginning to end.
It's Time
It’s time to get back to selling single close construction lending.
Now Is the Time!
Remember a couple of weeks ago about cleaning out your junk drawer? Now is the time!
Think Carefully
Don’t let the past 30 days go to waste. Think strategically about approaching your business going forward.
Cleaning Out Your Drawer
Since we have all been on lockdown, what have you realized you need to remove from your life?
Tend To Your Crop
During this unique time in our industry are you taking time to circle back with your clientele to touch base and say hello? Sometimes that’s the best way to secure business for the future by letting your clientele know you truly care about them.
Communication
Communicate quickly and effectively even when the message is less than favorable.
It’s Time to Reflect
Don’t wait until the end of the year to then look back with regrets. Let’s take a pause retool and execute so we finish the year strong
Navigating the Storm
As mortgage advisors, it’s our job to instill confidence with our borrowers and builders. We need to Captain the ship to make sure our clientele maintain the course and if they do that, everybody wins.
Stay Hungry
Remember that rumble in your stomach when you first started in the mortgage business? That burning desire to succeed? Never get complacent. Stay hungry.
Align With a Winner
During trying times, you may be flooded with information that clouds your decision making. Making sure you are aligned with a industry expert is key to surviving and maintaining your sanity.
Start Your Day Off Right
By starting your day with gratitude, you will find that dealing with the days problems, you’ll be able to handle a little more easily.
Long Term Rate Lock
Let’s discuss how to quote and lock a long term rate for a single close construction loan.
Don’t Let Fear Get in the Way
Sometimes we are our own worst enemy. Are you ignoring a problem or even an opportunity? Force yourself to remove your fear and move forward.
Become an Advisor for Single Close Construction Lending
As a mortgage advisor, you have the opportunity to become the industry leader in your marketplace for single closing construction lending. With your leadership, you can help create opportunities for your Realtors, Builders and Manufactured Home Dealers.
Step Out of Your Comfort Zone
When you’re trying to grow your business, one of the most important things you can do is step outside your comfort zone and listen to your clientele. By listening to your clientele and understanding their particular marketplace, it will allow you not only to develop new products, it will illustrate to your clientele that you are truly concerned and have a vested interest in helping them expand their footprint.
Unchartered Territories Are Now Yours for the Taking!
Single close construction lending has now expanded into the jumbo arena. Prior to jumbo single close construction lending becoming available, the program was only available for FHA, VA, USDA and Fannie Mae. Make no mistake! Just with the previous mentioned options, a large segment of the new construction homebuying community was served and served well. Expanding into the jumbo market can now make construction lending more readily available in high dollar areas.
Construction Lending in Frozen Weather...
It’s true that the majority of the United States are in the midst of winter. Does that mean construction lending stops? The answer is No! Use this Down time to foster as many builder/manufactured home dealer relationships as possible. Growing your referral database, educating your partners during this downtime will help make your construction business turnkey in the spring.
Why Should I Select a Single Close Construction Loan to Build My Home?
There are options when searching for a loan to build your home. As a lender/broker, why is a single close construction the best option to offer your client? As a homebuilder/manufactured home dealer, are there benefits for using a single close construction loan versus a two-time close construction loan? Let’s spend the next few minutes together and find out.
Asking the Right Questions Make All the Difference in the World
As a broker or lender, I am sure you hear daily, “what is your rate”. While I do agree that this is a very important question, is it the right “first” question? Please enjoy today’s new video for the new year and learn a best practice for taking your construction business to the next level.
Creating Opportunity, Joy and Wealth
Sometimes we forget that we have the power to bring joy back into our clients life. With single close construction financing, a veteran can build a home for their family including the purchase of land for zero dollars out of pocket. A first time homebuyer can use an FHA loan with 3.5% down or someone looking to build in rural America can finance 100% of the build and land cost. What can single close construction financing do for your homebuilder?
Payment to the Builder
With our single close construction program, up to 10% may be disbursed at the closing table. Think of this 10% disbursement as an advance to get the project started. Going forward, we will then allow for up to five draws.
Never Requalify and the Builder's Funds Are Secure
Whether your loan is a FHA, VA, USDA or a FNMA95 single close construction loan, I am sure your builder is curious regarding the draw schedule. With our single close construction program, up to 10% may be disbursed at the closing table. Think of this 10% disbursement as an advance to get the project started. Going forward, we will then allow for up to five draws. These particular draws will only be disbursed upon receipt of a satisfactory inspection report.
You May Already Have Your Down Payment!
Many borrowers are still under the impression that they will have to save thousands of dollars to build their dream home. Once a borrower learns that they can build their dream home with a down payment as little as 3.5% for a FHA loan or zero for a VA loan, the excitement begins! Let’s take it a step further.
Do I Already Have to Own the Land to Build My Home?
The single close construction program gives a qualified borrower the opportunity to purchase the land wrapped into the same loan as the construction budget.
Creating Value for Your Builders and Dealers
Offer your partners the value of safety and certainty.
Manufactured Housing for Veterans
The 100% VA loan benefit coupled with Manufactured Housing is an amazing opportunity.
Show More
loading
Actions
Is this you?
As a journalist, you can create a free Muck Rack account to customize your profile, list your contact preferences, and upload a portfolio of your best work.Get in touch with Robert
Contact Robert, search articles and posts on X, monitor coverage, and track replies from one place.
Learn more about Muck Rack