Phillip Bayley of Bayley Financial is more than just a CPA. He is a full service Financial Advisor -- who knows his stuff AND knows how to treat his clients right.
Bayley Financial Mission Statement: To provide clients with exceptional advice while guiding them through the "Three Wealth Cycles" and into retirement at their desired age.
Why Phil:
Services:
Education:
Community Activites:
We suggest Phillip Bayley for anyone looking for a Financial Advisor who will keep YOUR interest in mind.
Phillip Bayley - Bayley Financial
17822 14th Ave. West
Lynnwood, WA 98037
206.353.5886
phil@bayleyfinacial.com
Phillip Bayley is a Registered Representative with and securities offered through LPL Financial, member FINRA/SIPC.
LPL Financial is not affiliated with an entities listed on this site.
By Greg Perry, Eastside Realtor
www.425Realty.com
Jim Merritt has owned WIN Home Inspection Bellevue for over 6 years. He is certified at the highest level from the National Association of Home Inspectors (NAHI). He is also a graduate of the Professional Association of Building Inspectors training and is licensed by the State of Washington as a Structural Pest Inspector. I recently interviewed Jim about his home inspection career and experiences. Here's what he had to say:
How did you become interested in becoming a home inspector?
I got my start in the building trades while financing my college education, and later continued to buy and rehab real estate for profit. The home inspectors that I hired simply listed deficiencies. I didn't really find this a satisfying experience and knew I could do better. What I strive to do is to explain any deficiencies in the context of the operating aspects of the home. Inspections should never be viewed as "pass" or "fail". Home inspections are simply a good way to advise the client on what issues should be addressed in the context of the overall condition of the home.
What are the most satisfying aspects of your business?
I enjoy working with first time buyers who gain an understanding of how to operate their new home. In addition to showing them the home's systems and components during the inspection, I carefully review all findings and conclusions in a meeting at the end. All inspection reports come with a detailed narrative and digital photographs of the major deficiencies. Afterward, I mail to my client a detailed book with check lists to assist them in the ongoing maintenance of their home.
What are your biggest challenges?
The biggest challenge is to explain what a visual, non invasive inspection is. Our industry has agreed upon standards that spell out the minimum standard of what should be included in a home inspection. Although I always exceed that minimum, it is impossible to see inside a wall or predict the future with certainty. I don't know if the dishwasher will fail next year or if a future wind storm will blow shingles off the roof. But I promise that the client will know much more than they did when they drove up for their inspection.
What are some of the things people should be looking to you for?
My goal is to discover virtually all observable deficiencies, especially major deficiencies in a home's structure, systems and safety. Occasionally manufacturers produce potentially defective products -- exterior siding is good example. I stay on top of all home consumer issues and also stay current with acceptable standards. This is why experience, certifications and ongoing continuing education is so important in the home inspection field.
I enjoy questions from my clients and encourage them stay with me as I inspect their house. I can teach them about the home's systems (electrical,plumbing,heating, etc.), tell them what is good about the home, and of course find the deficiencies. I love to give hints and advice about future care of the home and teach them about ongoing maintenance. I'll put my clients in my hip pocket and share everything. In fact I keep a spare set of coveralls so they can join me in the crawl space if they want to!
Jim Merritt has done many inspections on behalf of our clients and we enthusiastically endorse Jim and WIN Inspections as a 425Realty.com TOP SERVICE PROVIDER!
You can reach Jim Merritt at WIN Home Inspection Bellevue at 425-868-1408 or jmerritt@wini.com
By Greg Perry, Eastside Realtor
Because I am so active on the marketplace, I continually come across the best service providers in our area. While auto glass tinting is not necessarily real estate related, I am pleased to spotlight Jim Montecucco's great service company, Bellevue Auto Tint.
Jim specializes in tinting the passenger windows of luxury cars, such as Mercedes, BMW, Audi, VW, Lexus, Infiniti, Acura, Cadillac and others (Jim has a love affair with those German models!).
The cosmetic benefits of auto window tinting include:
Other safety and comfort benefits include:
Owners often form strong emotional attachments to their cars and have a lot of fun picking out their window films before Jim installs them. A recent Microsoft employee brought in both her cars (a BMW and Land Rover) tinting all the windows and the sunroof. She was delighted with how her cars looked and the increased security and comfort.
Jim's background includes degrees in political science and finance. He loves his window tinting business and providing his clients with a fun and rewarding experience. Virtually all his business comes by word of mouth and referrals.
Call Jim today to schedule a custom window tinting for your car. He has a wide variety of films to choose from. Of course all his worked is unconditionally guaranteed!
425Realty.com enthusiastically endorses Jim Montecucco and Bellevue Auto Tint as an A+ Service Provider!
The contact information:
Bellevue Auto Tint 425-451-1125
www.bellevueautotint.com
Eric Horner, from Omega Financial & Insurance Services, an Eastside casuality insurance company, has written a fine article on Condo homeowner insurance concerns. Eric spent years as an insurance underwriter before joining Omega as an agent. He specializes in assisting his clients with Home and Auto insurance needs. 425Realty.com is pleased to welcome Eric's contribution in writing about homeowner insurance concerns.
More and more buyers these days are choosing townhomes and condos over the traditional free standing homes but once you decide to go this route how do you insure them properly?
As a former underwriter turned agent, I have addressed this question often over the years and there are two main things to consider; how much insurance do you need and which type of policy should that coverage be written on.
First let’s look at which type of contract is required. If the Homeowners Association (HOA) owns the outside walls and the roof then it needs to be written on a condo policy (even if it is a 3 story home with 2700 square feet). If the insured owns the outside walls and roof then it needs to be written on a Homeowners policy (even if it is a one story unit, attached to other units, with only 900 square feet).
The question of how much coverage is needed is an important one because most condo owners do not have enough. If it is a condo then you need to talk with your HOA to find out how much of the inside structure the HOA policy covers. Some do not cover anything including the walls, whereas, others cover everything including the fixtures and built in appliances. Once you know what the HOA does, or does not cover, then you should speak to an experienced agent to figure out how much it would cost to replace what you are responsible for. Most condo policies offer an endorsement which will increase the amount of coverage available for these items. If you have a home then a Replacement Cost Calculator should be used by an agent to determine the replacement cost. This includes what it would cost to rebuild the home from the ground up in the case of a catastrophic loss (such as a fire) including a contractor, labor and materials.
Once the coverage amount needed for the structure has been determined there are many other limits that need to be calculated. These include how much personal property, loss of use and personal liability is needed. If you are renting a home or apartment you should still have these types of coverage written on a Renters policy.
Eric Horner
Omega Financial & Insurance Services
425-822-5722 Ext.11
Eric Horner and Omega Financial & Insurance Services is a 425Realty.com trusted Service Provider!
Trees They are all around us. What do we really know about them?
Is this one healthy? Is this the right tree for this location?
Today we're going to highlight Certified Arborist Kurt Fickeisen. His company is Symbiosis Tree Care. Kurt knows trees. Here's our 425Realty.com interview with Kurt.
Tell us about who you are and about your company, Symbiosis Tree Care:
After 11 years working as an arborist for other companies, I started Symbiosis Tree Care. I started by offering standard services like pruning and removal. I enjoyed the direct contact it gave me with customers. Over time, my business focus shifted to evaluating trees for hazard, and appraising them for their landscape value. In addition, tree issues often start below ground. I can help improve soil to increase tree health and deal with root problems to improve tree health and protect other assets close to trees from damage.
Services I provide:
How long have you been in business?
I started my business in 1999.
How did you become interested in trees?
I grew up in a house with a forest behind the back yard. I would spend days playing in it; through that I took a real interest in trees and nature. At a young age, I also started climbing rocks and mountains. after finishing college, I found that I could get paid to climb trees.
Working with trees was fun, and I started to learn more and more about their biology and behavior.
What are the most satisfying aspects of your business?
Helping people appreciate trees both around them and on their property. Finding real problems that need attention and helping to resolve them.
What are your biggest challenges?
Explaining tree growth and characteristics to people who do not work and or study trees. I constantly remind myself that what I may view as a standard term may mean nothing or confuse others.
I also feel it is my duty to explain correct and good quality tree work and encourage proper tree care. Without proper education or experience, trees can suffer damage and increase long-term maintenance expense. Many companies are out there who charge clients money for work that cost the client more in long-term expenses.
What are some of the things people should be looking to you for?
Is a tree going to fall on your house? You may own several trees. Several of them may be healthy and safe, but one or two may have problems. I evaluate trees for structural problems and identify insect and disease problems.
Do you own a tree that a neighbor would like to remove, but you love? I can put a dollar value to your trees value in the landscape. Your neighbor can then compensate you for the loss.
Are your trees cracking your walkway? I can prune roots without damaging your tree or provide solutions to replacing cracked walkways. I also can help route utility lines under trees with minimal damage to the trees. Soil remediation also benefits trees health.
Tree planting is often a tricky job. I can help select an appropriate tree for a location on your property and platen it correctly. Planting a tree that will thrive is more complicated than just sticking it in the ground.
What unique benefit can you offer potential clients?
I have twenty years of experience working with trees. Over my career, I have seen many different situations where trees have both benefited and damaged a client's property. I spent one year running a group of arborists working on all the trees in one community and seeing the long term outcome of our work.
What credentials and certifications do you have?
Certifications:
Credentials:
I am also a member of Plant Amnesty and head of the Tree Programs Committee.
Symbiosis Tree Care
206-841-3158
kurtfick@gmail.com
Photo of Kurt removing a fir tree. While healthy in appearance, this tree suffered from decay in the base of the tree.
Because we're so active in the marketplace, we continually come across the best service providers -- businesses you can trust. 425Realty.com enthusiastically endorses Kurt Fickeisen and his company, Symbiosis Tree Care.
Be sure to visit our online "Referral Directory!" If you have a suggestion for a great service provider to include in our Referral Directory, email Greg at gregperry@working-for-you.com. All service providers and businesses will be researched before inclusion.
If you have any tree question for Kurt, just leave it in "comments". We'll pass it on and get an answer for you!
