Chester County Business Networking - Letip Chester County East

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Time & Location

Time & Date:
Every Tuesday from 7am until 8:31am

Location:
Boy Scouts of America Building
1 Scouting Way, Exton, PA 19341
Click here for the map

Website Design Demo by Greg Cazillo

Details: Created: December 21, 2015

LeTip Chester County East met on Tuesday, December 22, 2015 at the Wyndham Garden Hotel in Exton, PA. Welcome to our new graphic designer, Leigh Friedman with Full Circle Graphic Design (This email address is being protected from spambots. You need JavaScript enabled to view it.). We were also joined by guests representing the categories of advertising specialties and electrical contractor.

Our showboater was our mortgage broker, Lonnie Cooper from The Rate Kings Mortgage (This email address is being protected from spambots. You need JavaScript enabled to view it.). Lonnie has all the latest information about mortgage loan rates and can help people to finance a home purchase or refinance an existing mortgage.

Our speaker was our website designer, Greg Cazillo. Greg showed us some of the components of designing a website, using a particular site that he is working on currently. There are two components to the business, so the home page has two side-by-side photos to highlight each one. Greg added some text, the business logo, a site navigation menu, and buttons to link to social media sites. He also adjusted colors and shading to give the visual appearance that he wanted. Many visual designing can be done on a tablet computer, and that allows Greg to show the site-in-progress to the customer more easily. Later on, he will add all the code and background information that makes the site work and respond to screen size and user interaction. He is happy to work on new websites or update existing sites.

website design example

Learn More About Whole Life Insurance

Details: Created: October 6, 2015

LeTip Chester County East met on Tuesday, October 6, 2015 at the Wyndham Garden Hotel in Exton, PA. We were joined by guests: a travel agent and an attorney.

Our showboater was our new banker, Matt Simmers from First Niagara (This email address is being protected from spambots. You need JavaScript enabled to view it.). He displayed brochures that explain some of the bank's offerings in more detail. Matt also talked about being able to do on-site presentations for businesses to encourage employees to sign up with First Niagara. This can be a great time-saver for busy companies! Contact Matt to find out how First Niagara can help to meet the banking needs of both individuals and businesses.

Our speaker was Dave Kozak, our life, health, and disability insurance specialist at Chester Springs Insurance Group (This email address is being protected from spambots. You need JavaScript enabled to view it.). Dave spoke with us about different types of life insurance policies: term, whole-life, and trusts. He spoke of term insurance as basically being coverage for a person's mortgage and possibly other expenses. Term insurance pays only when the policyholder has died. With a whole-life policy, however, the policyholder has ways that they can benefit from the policy during their lifetime also. Dave will work with each person to formulate a plan based upon what his client is able to pay as a premium, and the policyholder has an option to access the insurance plan's growth tax-free. At times it may be advisable to start a trust, which is a life insurance policy owned by a trust rather than an individual. In any scenario, Dave makes sure to ask questions to find out the specific goals of each client. He will find the best balance between what they want, what they need, and what they can afford. Ultimately, the goal is to be able to mitigate the worst possible scenario.

Advice from our Mortgage Broker

Details: Created: September 22, 2015

LeTip Chester County East met on Tuesday, September 22, 2015 at the Wyndham Garden Hotel in Exton, PA. We welcome new member Matt Simmers, a banker with First Niagara Bank. We were also joined by guests representing promotional products, payroll services, solar power, and auto detailing.

Our showboater was Garret Davey (This email address is being protected from spambots. You need JavaScript enabled to view it.), our electrician. He displayed several lighting options that he can install. Of course, he can work to solve all sorts of electrical issues.

Our speaker was our mortgage broker, Lonnie Cooper (This email address is being protected from spambots. You need JavaScript enabled to view it.). Lonnie spoke with us about adjustable rate mortgages (ARMs). ARMs have all the same closing costs as a fixed rate mortgage, but they initially have a rate that is lower than the typical fixed rate mortgage, and this low rate is locked in for a period of time (e.g., two years). After that initial period, however, the rate may change, and there is no way to predict how it will change. There is a cap to the amount that the rate can increase (2% above the initial rate), and the rate won't go above that cap for a year. Then there is a secondary cap for the next year of another 2%. The final cap sets the rate at no more than 5% above the initial rate. ARMs make the most sense for people who know that they won't be staying in their house long-term. Young people who plan to move to a larger home within a few years or military families who move every couple of years are typical candidates for ARMs. For questions about rates or more details about how to choose the best mortgage product, please contact Lonnie.