Hello friends,

This is my quarterly “please refer me email”. I have some pretty good things to talk about this time. And please refer me, this is how I continue to help others. As always I hope to be your advisor for friends, family and co-workers. http://www.prestonware.com

First of all, interest rates are in the mid fours. I understand that many of you feel you cannot do anything because you have little equity but I do have options for up to 110% loan to value- Fannie Mae and up to 300% loan to value - FHA.

Currently, I am the in-house person for one of the largest real estate companies in Palm Beach county- Realty Elite USA, so I certainly can help with a good realtor for customers looking to purchase a home. Regardless of what you hear it is not impossible to get a mortgage these days although it is more difficult than it was 5 years ago.

Every year you all should look at your insurance on your home and try to get a better deal. In early 2011, I obtained my insurance license and hung my hat over at American Insurance & Financial in Boca Raton. They will look at your homeowners insurance and ensure that you are getting the absolute best deal. Call me about this. http://www.prestonware.com/HomeownersInsurance

In addition anyone earning 1% or less on a CD or IRA should look at a Fixed Index Annuity which is a far superior tax deferred vehicle which offers a tax deferred guaranteed return tied to an index based on the S & P 500. This is a product offered by the largest insurance company in the world so you know it is not going anywhere. http://www.prestonware.com/InsuranceAnnuities

Finally anyone putting money towards a 401K should seriously consider a 7702 exchange which is a program that will offer far superior benefits and 7-8 times as much retirement savings. http://www.prestonware.com/7702Exchange , http://www.prestonware.com/FixedIndexUniversalLife

As always, with all of these products I will consult you over the phone, put together an estimate and sit down with you and explain the pluses and minuses.

Please feel free to call me with any questions you may have.

Sincerely,

Preston Ware

Main Street Financial

561-329-0075