REALTY UNIVERSAL® Radio

Listen in today to learn how you can buy and sell International properties
without traditional financing and more!!!

Kauai Inn, a special family owned 48 studio room Inn with over
100 years of history....owners relocating...still one of the few 
places with the Hawaiiana local charm.... come and check
out the Garden Isle.....and more....

Steve Sless, an expert in reverse mortgages will explain
in detail how to buy a home using a reverse mortgage.
Rules have changed and benefits are many.... many are
familiar with reverse mortgages to stay in your current home,
but did you know that you can also buy a home using one

Whether you are a real estate agent/broker, buyer or seller listen in
to why Real Estate Menu Systems make your life easier and are 
here to stay.........

Assumable loans

Capt. Keith Lambert had a vision, he knows first-hand what it is like to go through the pain facing many veterans,
isolation, chronic pain, chronic depression and addiction, which is an after effect many times from trying to treat and  just alleviate the
pain. His father Capt. Donald "Red" Lambert served this country and in retirement was 100% disabled, a US
Marine Corps Veteran. Dealing with the Veterans Administration was extremely frustrating and that is when he 
came up with the idea for The City of Refuge. He knew there was a better way to take care of the men and woman
who served and still serve this country so proudly

Chuck Mills, American football coach for over 47 years, wears the Superbowl ring from
1967, first Superbowl, where he was an assistant coach at for the Kansas City Chiefs,
Head coach  Pomona College, Indiana University, Indiana University of Pennsylvania,
the United States Merchant Marine Academy, Utah State University,
Wake Forest University, Southern Oregon University and the United States
Coast Guard Academy. Chuck Mills took the first American collegiate football team to
Japan. The Japanese equivalent of the Heisman Award, known as the "Mills Trophy" is presented
to the top collegiate football player in Japan each year.

Are you 62 or older, know someone you care about who should have this
information? Agents.brokers good to be informed. Steven Sless, Director/Branch
Manager with Home Point Financial discusses the ins and outs, many changes
and pluses to reverse mortgages- important to be in the know....
Steven provides HECM education across the country with writings, live
seminars, public speaking and through national media....

What I have learned about life so far....this is our end of the year show, which always includes,
of course, planning for next year, reflecting... the real estate business is so amazing : to be able to meet
so many people and share in their lives in ways that would not have happened if not for
meeting through them buying, selling or getting into the business. Everyone needs to live somewhere,
to invest, to grow....we all have so many unique personalities, dreams, etc. Which keeps it interesting...
to say the least...we also share many common traits about life... today I will share what I have learned about
life so far... and we have asked others as well... join us in hearing one liners of wisdom  that do apply to life
and one most important that it is your life, not someone elses. Happy New Day!!! Happy New Year!!!

Thinking of moving to Puerto Rico? How about a 2nd home? Vacation rental?
Ed Naworol has 11 years experience of doing just that... while running his
full time mortgage business for over 22 years, Ed is a Mortgage expert
focusing on mortgages for Veterans, Doctors and "Renovation  Loans"
First half of show we will hear Ed talk about Puerto
Rico living- 2nd half about rehab loans here in the USA.