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All In One from CMG Financial pays off mortage faster, builds equity

In Business, Economy, finances, Local News, Uncategorized on July 7, 2014 at 12:43 pm

By Gery L. Deer

Business Editor

With interest rates at historic lows, American homeowners are constantly on the lookout for the best way to pay off a mortgage loan at the lowest cost and in the shortest time. CMG Financial has a loan solution, just made available in Ohio, specifically designed to help borrowers put idle money to work reducing mortgage debt.

CMG Financial was established in 1993 as a privately held, mortgage-banking firm based in San Ramon, California. The company is widely known for responsible lending practices, industry and consumer advocacy, operational efficiency and market innovation.  Among those innovations is what the company refers to as the All in One mortgage.

Joseph P. Beach is the Ohio Operations manager at the firm’s Dayton area office, opened in 2011, and a thirteen-year veteran of the mortgage industry. “The All in One mortgage has been offered in California since 2005, but is now available in Ohio and seven other Midwest states exclusively from CMG,” Beach says. “It’s designed to benefit the disciplined borrower who is interested in paying off their mortgage and growing the equity funds available as fast as possible.

According to CMG Financial, this type of mortgage option has been available in England, Canada and Australia, where interest regulations are different. Essentially, the All in One mortgage, “Puts lazy money to work.” That is, money that would normally just sit in a checking account doing nothing is used to lower the balance of the mortgage loan until the cash is needed elsewhere.  The idea is to lower the total interest expense over the term of the loan by paying down the balance right from the beginning using the idle cash in checking, certificates of deposit and other low interest-earning accounts.

Beach notes that there are some specific advantages to the All in One mortgage, unavailable under other products. “A borrower can significantly cut the total interest expense over the life of the loan, pay off your mortgage in as little as seven years with no change to your spending habits, and still be able to access home equity 24 hours a day, seven days a week, without refinancing.

Stein_CMG-CapturePopular economist and author Ben Stein has personally endorsed the CMG loan stating in a promotional video now available on YouTube, “I think it’s the greatest invention in personal finance in my lifetime.”

Of course, the All in One is not for everyone and certainly not a product for those in an upside down or problematic financial situation. Beach’s description of a “disciplined borrower” is very accurate. To qualify, borrowers require a credit score exceeding 700, are active savers and use funds that would normally be sitting in a checking account earning minimal interest.

For more information, contact Joe Beach at CMG Financial’s Dayton office by calling, (937) 937-723-8095 or email jbeach@cmgfi.com. The All in One was patent protected in 2009 and is a trademarked mortgage product of CMG Financial. Catch Joe Beach on WDTN-TV2’s “Living Dayton” program, 12-Noon, Thursday July 10.

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T-Willy’s Yogurt Emporium celebrates first anniversary with customer appreciation day

In Business, Children and Family, Dayton Ohio News, Economy, Entertainment, Food, Local News, Senior Lifestyle, sociology, Uncategorized on September 17, 2013 at 5:52 pm
T-Willy's owner Wendy Preiser

T-Willy’s owner Wendy Preiser – Click the photo to watch WDTN-TV2’s Living Dayton host Shaun Kraisman as he takes on the adventure of T-Willy’s!

CENTERVILLE / WASHINGTON TWP. – When Wendy Preiser opened T-Willy’s Yogurt Emporium last year she invited patrons to come and express their creative, adventurous side – and that they did. As her way of saying, “thanks,” Preiser will celebrate the store’s first anniversary with a customer appreciate day from 11:00 a.m. until 10:00 p.m., on Saturday, September 28. Visitors to the unique, frozen yogurt shop can enjoy spin art, win door prizes, get a temporary tattoo or even enter to win a year of free yogurt.

Located in Washington Square Shopping Center, T-Willy’s offers a rotating menu of specially blended frozen yogurt flavors including Lemon Pound Cake, Salted Caramel Pretzel, Peanut Butter, and Key Lime Pie. Of course chocolate and vanilla are available for those who want an old favorite. All of the yogurt and toppings are sold by the ounce, in cups.   Mixing and matching is highly encouraged. There are always options that have no sugar added and most are gluten free.

T-Willy’s Yogurt Emporium brought about a brand-new way of enjoying frozen soft-served yogurt. Inspiration can be found everywhere inside the store, from the adventurous mural on the wall to the huge, tree-trunk toppings table.

According to Preiser, T-Willy’s frozen soft serve offers one of the highest counts of live and active yogurt cultures. The average 4-ounce serving contains less than 0.5 grams of dairy butter fat. “Yogurt is such a great basis because it is healthy, tasty and fun,” Preiser says. “My philosophy on food is that we should pay more attention to what we put in our bodies and less about what we leave out.  If we eat consciously, the occasional treat can be good for us physically and especially emotionally.”

Just one example of the favorite flavor creations is this months’s Oompa-Octoberfest.  It starts with swirls of vanilla yogurt and a squirt of peanut butter topping dusted with fresh coconut.  Then they throw on a scoop of chocolate covered pretzels and a dollop of cherry pie filling.  “Our store is about trying something new,” Preiser says. “There will always be something to intrigue and inspire our customers.”

T-Willy’s Frozen Yogurt Emporium is located at 6085 Far Hills Ave., across from Siebenthalers  and shares a parking lot with  Dorothy Lane Market. For more information go online to www.twillysyogurt.com or call 937-567-7818.

Washington Square Shopping Center Announces First Annual Dashapalooza, Saturday, June 22nd

In Children and Family, Entertainment, Food, Health, Local News, Senior Lifestyle, Uncategorized on June 11, 2013 at 2:28 pm

Smoked Ribs_WSQ_2011_0004Washington Twp.  –  The merchants and management of Washington Square Shopping Center are proud to announce the First Annual Dashapalooza – The Party Before the Dash, from noon until 4PM on Saturday, June 22nd in and around the WashingtonSquareShopping Center at Far Hills Ave. and Whipp Rd. in Centerville. The event is free and open to the public.

Dashapalooza is a one-day art and merchant festival on the eve of the 4th Annual Dorothy Lane Market DLM Dash 5K Run/Walk.  Along with sidewalk sales and special offerings from participating merchants at Washington Square, Dashapalooza will feature exciting physical and art-themed activities for all ages.

Participants can barrel down a giant, inflatable slide, express themselves on the monster mural, draw on the sidewalk for prizes in the sidewalk art “chalk off” or take the obstacle course challenge.  Because it is important to “keep it local”, community based artists have been invited to exhibit and sell their work throughout the shopping center as part of the event.

Plus a smoked pulled pork sandwich cookout will highlight just one of many food and refreshment options on hand. Throughout the day, visitors will be entertained by live music featuring the acoustic sounds of internationally recognized Blues Duo, Izzy and Chris.

According to Melissa DeHart, property manager at Washington Square, the majority of the stores are participating in what they hope to make a long-running partner event to extend the excitement and anticipation of the annual DLM Dash.

“Washington Square is dedicated to the community,” DeHart says. “Our neighborhood of merchants, offers some one-of-a-kind places to shop, enjoy great food and even join an exercise group.”

IMG_3128Wendy Preiser is the owner of T-Willy’s Frozen Yogurt Emporium and one of the center’s newest tenants. “Some of the shops are hosting a scavenger hunt where visitors can win some great gift baskets,” she says. “Special deals will be offered throughout the shopping center as well including 25-percent off boxed invitations at the Envelope, one free mini album to each family that visits Moto Photo, a book signing at Tropical Smoothie Café, $10 coupons toward the purchase of “Art to Wear” at Nettle Creek Interiors, and in honor of our runners, energy pops at T-Willy’s.”

Dashapalooza is sponsored in part by Dorothy Lane Market, Up and Running, Boston Stoker, The UPS Store, Montage – The Salon, T Willy’s Yogurt Emporium, Pizza Hut, Knapke Cabinets, Trophy Nut, Nettle Creek Interiors, The Envelope, Utopia Salon & Day Spa, Helms Shoe Repair, Universal 1 Credit Union, Clark’s Home Medical, Moto Photo, Fox Cleaners, and Tropical Smoothie Café. For more information contact Melissa DeHart by calling 937-535-5690 or go online to http://www.dashapalooza.com.

TWilly’s FrozenYogurt Café Offers An Adventure

In Business, Children and Family, Economy, Entertainment, Food, National News, Senior Lifestyle, State News, Uncategorized on September 21, 2012 at 7:00 am

T-Willy’s Yogurt Emporium owner, Wendy Preiser

WASHINGTON TWP. / CENTERVILLE – If you think you know what a Velvet Elvis might be, you could be wrong. Instead of a framed piece of retro artwork, imagine swirls of chocolate, soft-serve yogurt, add two slices of flamed bananas, a squirt of peanut butter topping and a generous sprinkling of maple sugar potato chips. How’s that for something “the King” might have had on his table?

That’s just a taste of what is available at T-Willy’s Yogurt Emporium, the newest tenant of Washington Square Shopping Center in Centerville. On Saturday, September 29, T-Willy’s invites everyone to join them in celebrating a brand-new way of enjoying frozen soft-served yogurt during a special, grand opening event.

Beginning with the official ribbon cutting for invited guests at 10 a.m., T-Willy’s will open from 11 a.m. until 10 p.m. for an exciting day of door prizes, samplers and much more. According to shop owner, Wendy Preiser, T-Willy’s Yogurt Emporium is not just another soft serve yogurt café. It’s also about exploring your creative, adventurous side.

“Our store is about trying something new,” Preiser says. “There will always be something to intrigue and inspire our customers.”

Inspiration can certainly be found everywhere in the shop, from the adventurous mural on the wall to the gigantic, tree-trunk toppings table. There’s even an antique, manual typewriter, complete with post cards, all set to take down your special story. If the atmosphere isn’t enough, the myriad of yogurt and sorbet flavors is sure to turn a head or two.

T-Willy’s offers a rotating menu of specially blended frozen yogurt flavors including Blueberry Burst, New York Cheesecake, White Chocolate Macadamia and Tart Cranberry Hibiscus. Of course chocolate and vanilla are available for those who want an old favorite. All of the yogurt and toppings are sold by the ounce, in cups.   Mixing and matching is highly encouraged. There are always options that have no sugar added and most are gluten free.

Originally from Chicago, Preiser completed her undergraduate education at Northwestern University and received a Master of Business Administration from the Kellogg School of Management. After years working in new product development with food companies like Sara Lee Bakery, Nestle Chocolate and Birds Eye Foods, Preiser set out in her new business venture with the knowledge that today’s families are always on the lookout for great-tasting, healthier choices.

T-Willy’s frozen soft serve offers one of the highest counts of live and active yogurt cultures. The average 4-ounce serving contains less than 0.5 grams of dairy butter fat. “Yogurt is such a great basis because it is healthy, tasty and fun,” Preiser says. “My philosophy on food is that we should pay more attention to what we put in our bodies and less about what we leave out.  If we eat consciously, the occasional treat can be good for us physically and especially emotionally.”

T-Willy’s Frozen Yogurt Emporium is located at 6085 Far Hills Ave., near Boston Stoker and just across the parking lot from Dorothy Lane Market. To learn more about T-Willy’s Yogurt Emporium, including the incredible tale of T-Willy, go online to www.twillysyogurt.com or call 937-567-7818. T-Willy’s is open daily during the summer from 11 a.m. until 10 p.m. and until 8 p.m. from October through April.

CENTERVILLE COIN & JEWELRY CONNECTION TO HOST TRIESTE CORDOVA OF NE’QWA ART FOR GLASS-PAINTING CLASS

In Business, Entertainment, Local News, Senior Lifestyle, Uncategorized on November 16, 2011 at 1:56 pm

CENTERVILLE, OH – Centerville Coin & Jewelry Connection will host a personal appearance on December 1, 2011, by

Ne’Qwa Art National Director and demonstration artist Trieste Cordova

Art National Director and demonstration artist Trieste Cordova.

As a representative for Ne’Qwa Art, Cordova travels to stores throughout the year demonstrating reverse painting on glass, a centuries-old art technique that is practiced only by a very few, highly skilled painters. She will be traveling to more than twenty stores this fall answering questions about Ne’Qwa Art and its line of mouth-blown glass decorative accessories.

Cordova will first meet with collectors at a luncheon from 12 – 1 p.m., then will teach the art of reverse-painting on glass in a workshop from 1 – 3 p.m. The luncheon and workshop will be held at Savona Restaurant, 79 W. Main St., Centerville.

Later in the day from 4 – 7 p.m., Cordova will sign ornamental Ne’Qwa pieces at Centerville Coin & Jewelry Connection, 38 W. Franklin St, Centerville, OH.

Centerville Coin & Jewelry Connection is one of a selected few retailers in the United States to host this signature event. All Ne’Qwa ornaments purchased at the event, or pre-purchased through Centerville Coin & Jewelry Connection may be signed, and clients will be allowed a signature on one piece brought from home.

After nearly four decades and four generations, Centerville Coin & Jewelry Connection has become the largest coin shop in the Dayton area with more than 4,000 square feet of coins, gifts, jewelry and collectibles.

The family operated shop offers design and repair, customized engraving services, watch battery replacement and refurbishment, personal shopper and corporate gift giving services, school and community fund-raising. Appraisal services are also available.

A fine source of unique gifts, the store offers something for everyone and every occasion. Some of their popular product lines include Lula Bell Art & Designs, Swarovski, Chamilia, Robeez, Kameleon, Stephanie Dawn, Ugly Dolls, Ne’Qwa, Willow Tree, Ne’Qwa, Spartina 449, Poo~Pourri, Lolita and Root Candles.

Admission to the signing is free and open to the public. For more information contact Leslie Marsh, Centerville Coin & Jewelry Connection, 38 W. Franklin St, Centerville, OH, 937-436-3003.