BUSINESS & PROFESSIONAL
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
ROBERT Z. FELDSTEIN is:
• President of Robert Z. Feldstein, RC.,
Of Counsel to Kemp Klein Law Firm
• Fellow, American Academy
Take Your Checking
to a Higher LEVEL
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buying our dream home in 2009.
Yes, we sold two homes last year
(one in Arizona and one here in
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
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February 11 • 2010
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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
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.
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„,,, ,t,3 or Suit.
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• 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
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
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•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.
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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-
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
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The process has changed; but
when I say changed, I mean like the
and banking relationship
good credit scores over
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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
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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.