LeTip Chester County East met on Tuesday, June 23, 2015, at the Wyndham Garden Hotel in Exton, PA. Our showboater was Greg Cazillo, our website designer (www.cazillo.com). He showed us the various reports that he can generate for the websites he manages to show how much traffic a site is getting and what people do while they're visiting the site. This type of feedback can be helpful when deciding how to design or redesign a website.

Our speaker was our interior designer, Theresa Barlow from A Perfect View (www.APerfectViewInteriors.com). Theresa told us that interior designers can help you to save money and avoid costly mistakes when redesigning a home or work space. A designer will measure and create a floor plan, making sure that everything is in the proper scale. Theresa can help to update the look of a room or even repurpose it. The first question that each of her clients needs to answer is how much they are willing to spend, and Theresa will work within their budget. She can help to select one item to be the "wow factor" in the room. Sometimes people feel that they can do designing and repurposing projects themselves, and this may be true. However, we have all sorts of other things that call for our attention, and the projects may not get done or may take much longer than expected. Theresa will get projects done in a timely fashion, because this work is her job and won't get edged out by other interests or responsibilities. For great design, well executed and beautiful to look at, contact Theresa for her expertise.

LeTip Chester County East met on Tuesday, June 16, 2015, at the Wyndham Garden Hotel in Exton, PA. Our showboater was Theresa Barlow, our Interior Designer from A Perfect View (www.APerfectViewInteriors.com). She showed us the colors and patterns that she will be using to update a guest room. Her paint, fabrics, and wallpaper coordinate perfectly, and she would be happy to help with design project, large or small, for homes or businesses.

Our speaker was Dave Kozak, our Property & Casualty Insurance specialist from Chester Springs Insurance Group (This email address is being protected from spambots. You need JavaScript enabled to view it.). Dave deals with all sorts of "what if" scenarios and makes sure that his clients have appropriate coverage for whatever might happen. Dave told us the story of someone who is severely disabled but is still able to drive with electronic modifications made to his vehicle. Several years ago, Dave looked into the details of this man's insurance policy and was able to get him $75,000 of additional coverage because of the much higher replacement cost for his vehicle. This type of concern and attention to detail won't be available to customers who shop for insurance online or through a toll-free number. It is important to have an agent who knows you and your situation, who asks the right questions, and will fight for you when necessary to acquire coverage and/or payment in the event of a claim. Let Dave and Chester Springs Insurance Group take a look at your policy so that you can feel confident and secure with your insurance coverage.

LeTip Chester County East met on Tuesday, June 9, 2015. We were joined by guests who represented a cleaning company.

Our showboater was our property and casualty insurance agent, Dave Kozak (This email address is being protected from spambots. You need JavaScript enabled to view it.). He reminded us of how important it is to know what our coverage is and to review it periodically to make sure that it continues to be adequate.

Our speaker was our mortgage broker, Lonnie Cooper from The Rate Kings Mortgage (www.theratekings.com). Lonnie explained to us that, as a mortgage broker, he can shop for mortgages from a number of different companies. This means more options for him and his clients. If a particular lender doesn't want to lend to a client in a particular buying situation, Lonnie is not tied in to that lender and can look for another one. Lonnie can also lower the rates that a lender offers. For example, if Big Lender is offering a rate of 4%, Lonnie can write a mortgage with Big Lender but give his client a rate of 3.875%, which still earns him a healthy commission. Lonnie is also willing to float down a rate for his clients. If his client locks in at a particular rate but it then goes down 0.25%, Lonnie can float the rate down 0.125% for his client at no charge. It makes sense to let Lonnie take a look at the rates he can get for a home buyer's mortgage or a refinance.

LeTip Chester County East met at the Wyndham Garden Hotel in Exton, PA on Tuesday, June 2, 2015. Our showboater was Lonnie Cooper, our mortgage broker from The Rate Kings (www.theratekings.com). Lonnie provides excellent customer service and great rates, and he also has gifts for his customers once they close on their new or refinanced mortgage. Contact This email address is being protected from spambots. You need JavaScript enabled to view it. to ask any questions or start a mortgage application.

Our speaker was Scott Brown, our heating and air conditioning contractor from James Brown Plumbing, Heating and Air Conditioning (This email address is being protected from spambots. You need JavaScript enabled to view it.). Scott showed us how geothermal systems work for both heating and cooling. He has a questionnaire that can help him determine which of his customers would be good candidates for geothermal installation. Scott loves geothermal systems but will not push them on a customer for whom it is not the best choice. A geothermal system involves an underground heat exchange (called the loop) and a heat pump inside the home. This means that there is no external air conditioning unit to care for outside the house. For either heating or cooling, the loop exchanges heat with the earth--picking up heat during the winter months and releasing heat during the summer months. The heated or cooled air then travels to air ducts in the house or radiant heating devices in the floors of the house. Contact Scott to determine whether you are a good candidate for geothermal heating and cooling; if you would be better suited to another type of system, he can give you the proper guidance and get started with the repair or installation that you need.