Expanding Economy

November 17, 2016
By:Elliot Eco70.com November 16, 2016

With Trump in charge, but with so much still unknown, GDP growth will probably be a bit faster in 2017; 2.3%. Still not high, but an improvement. Inflation will rise to 2.2% in 2017. While also not high, it’s much higher than the 1.5% inflation we have been experiencing. Lastly, unemployment should fall to 4.6% by 12/31/17 and the chances of a recession in 2017 have declined slightly, to 20%.


On Our Own

November 9, 2016

Belinda and me enjoying a late summer beach trip.

I am beginning to understand that vacations can be grouped into at least three different categories – especially for those of us with large families!  There were the vacations you took BEFORE kids during those early years of your marriage, the vacations you took WITH the kids and finally, those you have taken (or will take) AFTER your kids are gone – or are too busy to take with you!

For the two of us, we are now entering into the third phase of our vacations.  We started having kids over 30 years ago and I can count on one hand the trips we have taken without any kids during these years.  We’ve taken some great trips with our kids to beaches, mountains, national parks, historic cities and sites and amusement parks.  Most of those trips where designed to keep kids happy, entertained, fed, well-rested and healthy.  They have been fast paced, jam-packed and expensive – even when we tried to cut costs.

Our kids tell amusing stories to each other and their friends about “sneaking” into hotel and resort rooms 2 or 3 at a time because a few places where we stayed were not designed for a family of 5 kids under the age of 10 – just so we could all stay in the same room or condo.  Other stories include when their little sister actually slept in a make-shift “bed” in the bathtub during one trip because there were not enough beds for all five girls!  (Please don’t report us to the authorities!)

This year’s “Short Family Vacation” was actually planned during a time when we thought several of our girls would be able to join us at a beach-side location where several of them had expressed an interest in visiting again.  However, when it got closer to the designated week for our vacation only one of our grown daughters and her roommate were able to join us – and for only a couple of days.  Although slightly disappointing to us, we realize that our new reality is that our girls have moved out (except for our youngest who is a busy college senior) and are now very engaged with their lives and their time-off from work and family responsibilities may not coincide with our “Short Family Vacations”.

Similarly, I’ve heard others relate housing needs to these three vacation categories – BEFORE kids (starter homes), WITH kids (that house with all of those bedrooms and bathrooms and a big back yard) and AFTER the kids have moved out (the house with the master bedroom on the main floor and a much smaller yard!).  Many people who are changing their housing needs require the home loan services I provide.

As you or those you know find themselves starting-out, scaling-up or scaling-down I am able to be the experienced and trusted “Dream Maker, Problem Solver” to provide the tailor-made home loan solutions – so that no one in your family will find themselves sleeping in a bathtub!  Can I count on you to give my name to the next friend, neighbor, co-worker or family member who would benefit from my home loan expertise and hands-on customer care?

Change for the Better!

November 3, 2016

Brian Short and AW Pickel – A couple of guys who are good at this business, people like them and they’ve got honest faces!

Twenty years ago a former college buddy of mine invited me to join him in the mortgage industry by telling me, “Brian, you’d be good at this business!  People seem to like you, you’ve got an honest face and you’d still be serving people by helping them buy, fix-up and refinance their houses!”  A year later I called him up and agreed to come to work with him by opening up a new office for his company in Franklin and thus, I began my new career as a Mortgage Professional.


I worked for his company for several years before eventually starting my own mortgage company and then managing branch offices and divisions for a few other companies and a local bank before I circled back around to, once again, open up a new branch office for my college friend, AW Pickel, in Franklin two years ago.


amcap-logoNow we are teaming up together again to start up a new division for AmCap Mortgage, Ltd, a 15-year-old mortgage lender based in Houston, TX to initially start new branches in Tennessee, Kansas, Missouri and Nebraska.  Our group will continue to keep the focus on offering amazing customer service to our borrowers while offering a wide array of home loan programs to help the most people possible.  Our industry continues to experience unbelievable changes and it takes a very nimble approach to mortgage lending to keep up with and adapt to those changes.  We believe that our association with AmCap Mortgage, Ltd will give us that platform to bring amazing changes to our customers, employees and industry for the better!


Gleaning the best from my past associations to bring with me to our new venture is the best way to describe our passion for smart growth – personally and professionally.  However, much hasn’t changed.  I’m still working very closely with those who first introduced me to the mortgage industry twenty years ago and I’m still in the business of being that “Dream Maker and Problem Solver” that any prospective home buyer or current home owner needs in their corner when evaluating their home loan financing options.


I’m also looking for hardworking, people-oriented problem solvers to join our team in Tennessee and in other states if you know of those who “would be good at this business, have an honest face, and desire to help those people who like them!”  I really appreciate it when you DON’T KEEP ME A SECRET!  Your confidence and trust in me is what keeps my steady stream of loans closing.  Can I count on you to give my name to the next friend, neighbor, co-worker or family member who would benefit from my home loan expertise and hands-on customer care?