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February 11, 2010 - Image 34

Resource type:
The Detroit Jewish News, 2010-02-11

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executive tips

Best Lawyers

congratulates Robert Z. Feldstein on being

named as the Detroit Area Best Lawyers

Family Lawyer of the Year for 2010

Second of two parts


Best Lawyers is the oldest and most respected


• President of Robert Z. Feldstein, RC.,

Of Counsel to Kemp Klein Law Firm

• Fellow, American Academy

Take Your Checking
to a Higher LEVEL


Ju l stop in or cal an y Le vfl One
kration and nk how lou (4/7
rrat its 19" Vizio tat saeen HOW

Pius, additional &motifs!

i.ir :

See the values add 110

rTtStfVtiiVII).itip CAW

buying our dream home in 2009.
Yes, we sold two homes last year

LYN rAititly,kuimat

(one in Arizona and one here in

imatimoiri uktt,olt,
kkntity ti*n et is.-

Michigan); we made money on both
and got a great deal on our dream
home. We have always enjoyed our


Annual Savtags-

For a 10* In0tONY tats, ima oyeive checking amount
mat &vas ,ka ?madly-as on de4tors• per.ytmr;

2.00" APT

on a 24-Month CD



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OW bolt 414,0;0'0*am AMOS,
twat., bat st1,043P41110

LEVEL ONE Fa F-7-1 k.


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$5. ,35


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February 11 • 2010

0 , .:,,, o. I ., ''''', ..' 11,'''',. 111111

you (in the business arena, we have
used Fifth Third Bank). But depend-
ing on need, many local banks

or credit unions are also strong
options. They are ready and willing.

Do not take it personal when lend-
ers ask you questions; they will help
find smart solutions for you.
• Lesson #5: The market is the

market. As a merchant, the rule was

the first markdown is the cheapest.
You sell through a lot when you take

the first right markdown. So if you
want to sell your home, you have to

price it for the traffic coming in to
seal the deal. Have the right ad with
the right price.

You can take advantage of this

day-to-day life, but we would rather
go for a family walk in the evening

than go spend a lot of money. We
tend to enjoy family time at the zoo

has happened, get a good adviser,
know yourself and do not be afraid

or the Cranbrook Science Center or
the like. This allowed us to be ready
to take advantage of the market.

of the banks. Use the banks and the
"team" to help you find solutions. E

gage. Why? Because as we looked
for new home here, we heard it

28345 Beck Rd, Ste 102
Wixom, MI 48393
(248) 469-0205

a personal and business
level). Now is the time to get back
on track and get the banks with

market; things are starting to turn
— but there could be a long road
ahead. Be smart, learn from what

Now to the bank point: We used
Bank of America to get our mort-

Take Your Banking to a Whole New LEVEL.

Fia ;ALS. 1* . 64:o O r 310.60 :: rot ilo to. a if,ttf. nuroy lq,,tt t,r. WAS ,,,,, aa...m.:RA. K.' he:olivri oF ii. a,... - o. iii:iJIM,M1 J Si JAI loikos... km., tiy. 157,0
Q ., .i. • ,..r...,
„,,, ,t,3 or Suit.
. .tng vaE be .....yTo a 3.. ■ Tf. L...e:e crImIc niqtr ...;et. Old 1::311 te,.. ::. q , ■ :, r tt, ,, 3,...1.4 1 !Ta. ......7. T av6:14.ppr,,r,,, t?,..; toi aritr.r..,/,,,./Km Ty. iirep ,,a1 VIN. ,1,1


happened economically.
• Lesson #4: Learn from
this experience (on both

They may never again be the same.
Our family has had the great fortune
of selling two homes in 2009 and

Attictoiltal nece
tliitt ,ititkimeot OttSilfAiKt

21211 Haggerty Rd.
30201 Orchard Lake Rd, Ste 165 I
Novi, MI 48375
Farmington Hills, MI 48334
(248) 737-0300 . (888) 880-5663 1 (248) 380-6590 .. (888) 438-8243


believe they want 20
percent down" or "Can
you believe they want

getting back to basics means!
• Lesson #3: Banks are not the
same, but they are coming around.

Cootie a Amoral Banker torte intormation.



many, I hate to say, nearby,
which indicated what had

Maybe doing things right, and
working hard to get what is consid-
ered the American Dream, is what

• Gash Rack Gift Cards • Grocery Coupons
• Up to 50% Savings on Brand Name Products by
Phone or Online
•Travel Savings and Vacation Packages

sense! If everyone had
done this all along, we

the relationship. I hear
people say, "Can you

cent down; you worked and saved to
make sure you did exactly that.



put money down, etc. All
of this is good business

would not be in this eco-
nomic mess. We looked
at more than 200 homes;

the days when the interest rate for
a mortgage was 15-16 percent and
lenders absolutely wanted 20 per-

$11 A

old days: You need to be
able to support the loan,
have reasonable credit,

less and less, but that
change need not negate

750?" Well, yes and why not? I recall

With Level One Rewards Checking; You Get.

• Identity Theft 911'
• 24-Hour Accidental Death & Dismemberment
insurance and Common Carrier Coverage
• Travel .Assistance Services
• Living Family Journal

The process has changed; but
when I say changed, I mean like the

and banking relationship
also matters.

good credit scores over

With Rewards Checking
At Level One Bank

• Prescription Drug Discounts
• Prescription Eyowear DiLq,,atints

via e-mail. He was nice and helpful;
he e-mailed and called often to keep
the process going. He also spear-
headed the process so he made sure
it worked — and it did. We got our 5
percent loan. We closed on time.

we always sat face-to-
face with our banker;
today, that is occurring

201 W BIG BEAVER RD # 600, TROY, MI 248,689.3800


good attorney and a good financial
adviser (we use Mike Alioto's UBS
team in Birmingham).
Having a good bank

approved by the toughest." This is
where the real truth comes into play.
I met Dan Higley at Bank of America

Early in my career,

of Matrimonial Lawyers

• Combined Relationship Balance"
• C-ertifirAte of Deposit Rates
• Earn a High Rate of Interest
• $250 Discount on Mortgage Closing Costs
• Preferred Rate on New Consumer Loans
• Free Permalized Checks
• Fee-Free 24 Hour Banking
• Free Online Ranking I Bill Pay
• Free Cashier's Checks
• Free Traveler's Checks
• 24 Hour Phone Teller
• Combined Account Statements

n my last column last month,
we discussed the need for

getting good financial advice
and support and building the
team around you — having a good
CPA (my family uses Mellen, Smith
and Pivoz of Bingham Farms), a

peer-review publication in the legal profession


Right Move, Right
Team, Right Time

was tough — the toughest — so
we thought, "Okay! Then let's get

F Kevin Browett is chief operating officer

of Jewish Renaissance Media, parent

company of the Detroit Jewish News. He

is a former executive with Kmart Corp.

The first part of this Executive Tips ran

on Dec. 10.

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