What is...ensemble?

en·sem·ble [ahn-sahm-buhl] "all the parts of a thing considered together"

When you think of the word ensemble, what comes to mind?  How wonderful it sounds when all the elements of an orchestra come together? The Cello, Piano, Violin, Flute all blending together...  Or, would it be how amazing it sounds when three completely different voices come together to form one harmonious chord?

What if...when you hear the word ensemble something new & refreshing comes to mind...  Something that gives life back to your slumbering mortgage and gives you a freedom never dreamed possible.  Ensemble embodies the beauty of pulling together resources today, to help accomplish your goals for tomorrow.     

Your tomorrow...begins today...

 Ensemble East West image         

The concept is surprisingly simple.  Ensemble combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that allows deposited cash to be placed against the loan balance each day in order to save mortgage interest.  That's it!  This simple change allows you to better leverage your cash flow, potentially saving you thousands in interest over the next decade.  And, your funds remain available 24/7, just like with your old checking account today.

 - Your income lowers your monthly balance.

- The lower balance saves you interest.
- The saved interest becomes extra principal payment.
- This further lowers your balance, saving more interest.
- This frees up even more money to reduce principal.
- This cycle repeats itself each month, compounding your interest savings
  and accelerating the reduction of your debt.

 Traditional mortgages make it easy to get into debt; Ensemble gives you - the borrower - the power to reduce your debt more aggressively.  Ensemble is able to help reduce debt more quickly, simply by putting all of your personal income to better use.

Mortgage interest typically consumes about half of the average American's net income, for decades at a time. With Ensemble, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings to pay your home loan off sooner, or keep your equity leveraged and reinvest those savings in higher-yielding investments...saving interest...is always in your BEST interest.

Combining your main personal cash management tools into one master account relieves you of the need to track money transfers manually. Once the account in setup, transfers from your loan account happen automatically.  So does your interest savings from your positive cash flow.  And when you need cash for investments or expenses, it is quickly available via check, electronic transfer, ATM withdrawal, or debit card. Nothing could be simpler! 

Discover how the power of your own cash flow could significantly accelerate your home loan's pay down, saving you thousands in interest and getting you free-and-clear of mortgage payments years ahead of schedule, without demanding any change in your current spending habits.

Click here - for your FREE assessment & to learn how Ensemble may benefit you personally. I would love to hear from you!

Holly Andrews | 1st Metropolitan Mortgage| 540.204.7569 | holly@1st-metropolitan.com

 

I had this great idea to get a BlackBerry when I started working for 1st Metropolitan Mortgage. I felt like I needed it for several reasons: 1. To have constant access to my emails 2. The Navigation system because I was new to the Roanoke area and had no idea how to get around town and 3. Everyone else had one so why not?!

It has recently come to my attention that I may have stepped into something bigger than myself. I have always heard people calling these phones 'CrackBerries' and now I know why. I am completely addicted to my BlackBerry!!! I was just hoping that it was because it was a new phone (grown-up toy), but after reading this article, I may need to accept the fact that have a problem.

I wanted to share this with everyone because I know how widespead this problem may be considering tons of people in this market have a BlackBerry/Smartphone/PDA to make themselves more efficient outside of the workplace.

Enjoy.

Living With a BlackBerry Addict:

My husband is addicted to his BlackBerry. He uses it while he drives, while he watches TV, and, worst of all, while I'm talking. And believe me, he's no multitasker. The other morning I woke up thinking there was a mouse nibbling on something, but it was just my husband sending emails from bed. Funny, yes. Could I let it continue? No.

 

Not wanting to harm my husband's career (after all, that's what this thing is for), he and I came up with three ways to limit his CrackBerry addiction. Then we put each one to the test.

Plan 1: No Crack in the Bedroom
This was suggested by many TheNest.com users as the perfect solution (one even named her husband's BlackBerry "Rochelle," since it has unfortunately become his "other woman"). I felt this was too easy. My husband can fall asleep before I even turn off the light, so he was able to check his late-night emails, put BB in the living room, and fall asleep without thinking twice about his phone not being by his side. Did I wake up to tapping and clicking? Nope, the radio alarm was music to my ears. But this method did stall our getting ready-for-work routine because he now had to read his early-morning messages in the living room before getting in the shower.

The Verdict: This helped, but not enough. I was still cuddling with my husband and BB on the couch at night.

Plan 2: Out of Sight, Out of Mind
Suggested by my husband, he decided that he would put BB on the bookshelf by the entryway (of our 450-square-foot apartment) so that he wouldn't be distracted by the red flashing light that indicates an incoming message. He seemed able to let go pretty easily. Then I noticed something strange: He was really antsy and always pacing. He was checking the closets for things, going to the kitchen, looking at our bookcase. Ahh-ha! Every stroll around the apartment gave him a chance to check BB.

The Verdict:This was a great start, and it's a solution I could live with. I think it would've worked better in a bigger apartment.

Plan 3: Designated Hours
I don't like the idea of being a drill sergeant for my husband. I'm not a neat freak. I don't consider myself incredibly needy. But I do like some one-on-one time. Even if we're watching TV together, it's nice to share something that's funny...and not have to repeat it to a distracted husband who was typing an email (or worse, trying to beat his record at BrickBreaker, the silly game that comes standard on BlackBerries).

I got this idea from a user of TheNest.com who said she had designated non-BlackBerry hours for her husband, where his system is actually turned off. But since we don't have a house phone, this is the only way to contact him, so that wasn't possible for us. We decided that 8 to 10:30 p.m. would be our non-BB time, except for important phone calls (meaning parents, friends, or work). And if I'm on the phone, it's a-okay for him to type away. At home, BB could be checked about every three hours (nothing too rigid formatted, but in that general time frame).

The Verdict:This was a little harder. Not having his phone with him at all times, he went through a bit of withdrawal, and BB would occasionally end up forgotten on the coffee table out of habit (and left there out of my laziness). As time passed, it was great. he would check his phone only before dinner and then again before bed. But every once in a while, I'd see him sneaking in a game of BrickBreaker, especially on shopping trips with me - but maybe that's a reason to keep this thing around!

Final Verdict
The best idea was designated hours, but the real benefit of this experiment was talking openly about my husband's CrackBerry addiction. I used to just roll my eyes or make a joke attempting to let him know how much it irritated me. But after we talked about fixing the problem, he suddenly realized it was a problem. I might not have completely gotten rid of the third member of our marriage, but at least I don't have to eat or sleep with it anymore.

 
 
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Holly Andrews

Roanoke, VA

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1st Metropolitan Mortgage

Office Phone: (540) 238-9153

Cell Phone: (540) 204-7569

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