Regina P. Brown

Regina P. Brown

SpeakerMatch

The Best is Yet to Come!

Bring Real Value -- Bring Regina Brown to Your Organization Today

Fee Range: $5,000 - $7,500
Travels from San Diego, CA (US)

For more information about booking Regina P. Brown, visit
http://www.speakermatch.com/profile/ReginaBrown

Or call SpeakerMatch at 1-866-372-8768.

Regina P. Brown
Ms. Regina Brown - Motivational Speaker

iAcademy, inc.

The Best is Yet to Come!

Bring Real Value -- Bring Regina Brown to Your Organization Today

Fee Range: $5,000 - $7,500
Travels from San Diego, CA

Affiliations:
  • Toastmasters International
Regina P. Brown - Motivational Speaker

Regina P. Brown

iAcademy, inc.

The Best is Yet to Come!

Bring Real Value -- Bring Regina Brown to Your Organization Today

Fee Range: $5,000 - $7,500
Travels from: San Diego, CA

Affiliations:
  • Toastmasters International

For more information about booking Regina P. Brown,
Visit http://www.speakermatch.com/profile/ReginaBrown/
Or call SpeakerMatch at 1-866-372-8768.

Blog Postings

Protect Your Asset: Get a Life Insurance

Life insurance is valuable because it will help to replace your income and your earning power, should you become permanently disabled or pass away unexpectedly.  It will allow your family to continue paying the mortgage and stay on track toward good financial stewardship.  In the event that you are no longer alive, or if you are not able to work due to a massive injury, the life insurance policy will pay a cash settlement to your heirs.The most important thing you need to know is that there are 2 basic types of life insurance:  whole and term.  A great insurance agent can help you determine which plan is right for you and your family.  If your c...

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Home Buying Tips: Additional Inspections, Reports, and Requests

Be aware that a rural property will not have standard public utilities, but instead it may have a septic tank, a water well, solar panels, wind turbines, a satellite dish, and a propane tank for fuel.  Be prepared to ask for (and pay for) an inspection of each item.If it’s a brand new house, or a newer building, ask the seller for blueprints, floor plans, building specifications, architectural, structural, and mechanical plans.  Older houses probably won’t have that available, but when there have been add-ons, you should ask for remodeling plans and copies of permits.Get appliances warrant...

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Order A Home Inspection And Other Reports

This is a very important part of the home buying process.  You will need to order a home inspection and other reports.  Based on the results of the home inspection, the report may recommend that you conduct other inspections, such as a roof inspection, the foundation inspection, a plumbing inspection, or electrical inspection.  Here in California, we also request a pest control report to determine if there is termite damage in the home. You can select any licensed vendor of your choosing.  However, it is a good idea to ask your REALTOR® for names of home inspectors who have conducted good inspections with other buyers.  She should be able ...

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Positive Thinking

Hey friends, between the presidential election. competitive colleagues, and the nastiness of the online "negative nellies", are you overwhelmed by negativeness all around you?  Are you unfriending people right and left on your FB page?  Maybe we can each take a moment of self-reflection and THINK before speaking.One way I do this is by LOOKING FOR THE GOOD in others.  Of course we all have downfalls and imperfections, but make it a habit to intentionally SEARCH for something nice about every person with whom you interact.  Reach out and recognize your similarities, give a compliment, or simply point out the positive.  Becoming a positive person is a STA...

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How soon do you want to close escrow?

Most buyers prefer to close within a month or so, and a typical escrow closing period is 30 days.  However, for buyers who are getting a government loan such as FHA, VA, or USDA, they can expect a slightly longer escrow, which may be 60 days or more.  If you are buying a short sale, the escrow period is usually 3 to 6 months.  If you have a complex loan, are buying an REO, or there are other delays, always plan an extra few weeks just in case.Sometimes the sellers do not want to move out until the school year is over, so their children can change schools during summer break.  Therefore, it’s common for a seller to request the e...

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Discuss the Price and Terms of the Offer

Let's talk about what is going to be in your purchase contract.  Every contract has 2 parts:  The first part is the price, and the second part is the terms, which is everything else besides the price.  So remember that price is only PART of the offer.  When you and the seller don’t agree on price, you can always change the terms to get them to agree to your price.  And they can always give you “concessions” such as a credit (money allowance) for the closing costs.  Remember, it’s all negotiable!Discuss the following with your REALTOR®:What price do you think is fair?Which appliances or per...

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Writing Your Offer: What Price Do You Think Is Fair?

Discuss with your REALTOR®, what price you think is fair.  You want to make sure that you are going to get a good deal on the price, so you do not want to offer more than you have to.  On the other hand, there may be competing offers from other buyers, so you want your price to be high enough to beat out the other buyers. You want facts AND an honest opinion.  This is where your REALTOR® can shine as your trusted advisor and consultant.  Ask him  for an opinion.  How much would your real estate advisor offer for this house, if he or she were in your shoes?  Yes, your REALTOR® is going to run a c...

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Which Title or Escrow Company Do You Prefer?

Do you have a specific title or escrow/settlement company that you prefer to use?  If so, be sure to let your REALTOR® know.  Most buyers will defer to their agent’s recommendation of an escrow company with whom she has developed a good working relationship.  In some states, the escrow/settlement company is known as a settlement company.  In other states, an attorney’s office handles all the closing funds and paperwork, instead of an escrow/settlement company.Your REALTOR® may recommend that you use the seller’s choice of escrow/settlement and title company.  The seller may have already starte...

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Want a FREE home warranty?

As we discussed earlier, everything is negotiable!  One thing you always want is a home warranty.  Why not get one FREE from the seller?  After all, the sellers do not want you to have any problems with the house after you buy it.  It is to their advantage to pay for your new home warranty!  Ask the seller to pay for a 1 year home warranty policy.  Your agent can request this warranty in your offer.After it expires, you can pay the annual fee to renew it each year.  You will find a home warranty very handy and, most importantly, it eliminates the stress that happens when things break around the house.  I recommend renewing your home warranty every year. ...

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Buy Your First Home: Tips on Writing an Offer

Return to the REALTOR®”s office or stop at a coffee shop to write your offer.The office may be a long distance away, so may stop at a coffee shop or diner instead.  Besides, all this house hunting has made everyone hungry so maybe you’ll get a bite to eat while writing up your offer.Or you can go back to your top property if it’s vacantInstead of stopping at the office, you can just go back to your top #1 property if it is vacant, and write the offer there.  It’s a great feeling to be sitting inside your new home while you write the offer on it; and, while you are there, you may see appliances or items that you need to include in your offer....

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