KSEV Radio – 700 AM

You used to have a list of individuals you recommended. What happened toit? Is it somewhere else?

How does one contact you on your “day job”?
I went to the RBC Wealth Management site but the “person locator” didn’t know who you were?

Anybody ever heard of getting 8-10% on an insurance annuity (guaranteed) in todays market?

Hi Gene -Thanks for listening. You can reach me at 281-586-7786.
Best wishes!
Steve

No. Annuities are very complicated and sometimes hard to understand.
Any investment that guarantees 8% to 10% in today’s world, sounds too good to be true.
Steve

Hi Tom – We are working on getting it back up. If you need information, please call my office at 281-586-7786.
Thanks!
Steve

Hi Steve,

I called your show today about savings flexibility for an autistic child who may or may not go to college. I appreciate your response. It appears that if necessary, I can change the beneficiary of his Coverdale ESA so that my “normal” daughter can use the funds for college.

I love listening to your show, but normally I’m at work when it airs and cannot listen. Is there any way I can download episodes as a podcast so I can listen later?

Michael

Podcast will be highly appreciated!

Hello Steve:

Love your show. I am looking for someone to help me with the drafting of my will. I think the lady you had in the show today might be the one I would like to talk to but I did not get a chance to write down her name. Thank you so much

Lorena

Steve, love it when you have Dan Elliott with Sunbelt Business Brokers on the show.

Also, can you tell me the name of the home inspector that you mention on your show from time to time? (the P.E.)

We moved to Austin and miss your show terribly. Is there anyway to get your program here?

Karen,

You can listen online from anywhere in the world! Just click on the Listen Live button in the upper left hand column of each page.

Thanks for listening and good luck in Austin.

TRS employees work for the state but do not receive cost of living increases, so you can’t put us all in one big group. My income will be far behind social security recipients because I will not get cola increases, as a TRS recipient.

TRS employees work for the state but do not receive cost of living increases, so you can’t put us all in one big group. My income will be far behind social security recipients because I will not get cola increases, as a TRS recipient.

Did you say the avg person makes $2700 a year?

internet stream listen live

Would you, please, tell me the name and phone number of the Property Evaluator that you recommend?

Thanks.

Vee P.

Mr. Drake, What is the persons nane that performs the home inspections?

I heard your story yesterday about mailing the 48 lb parcel to Ft Worth. How appropriate it was for you to have to pay $300+ dollars for something you should have taken to the post office. You got caught up in capitalism at it’s best. Maybe next time you will take it to the PO. Oh by the way, 48lbs with $5000.00 ins would have cost you $87.70 Priority Mail.

Today you talked about a web site that tells you how much money you can get for college based on test scores, etc. I missed the site name. Can you post it please? Thanks!

Steve,

Looking for the person you used to administer the Birkman test for your kids. Need to do the same for my college bound daughter.

Thanks,
Joe

Who is the person you suggest using for mortgage loans, including refinancing?

Thanks.

Steve, over the past year, you have mentioned the name of a woman who
who does career/academic counseling with students. Do you have a name
and phone number to contact that person or business for help?
Thanks,
Gary

Hey Steve,
Several weeks ago you mentioned you strategy for Term Life Insurance. I believe you said you had three different policies of varying amounts and lengths of years. Could you share that info again please?

What is the name of the inspector de Steve Drake always recommend?

Does KSEV offers podcast for their shows?

Steve – you mentioned a dealership that sells tires at $5 over their cost. Is that Joe Myers?

Hi Steve! I’m a long time listener. First time I can remember hearing you was in about 1987 when I was going to U. of H. Keep up the great work.
Do you have contact information for that women who called your show yesterday, the one who consuls entering college students. She sounded like she really had it together.
Sincerely,
Southernpilot

If Steve Drake does not respond to our comments because obviously he is very busy, is there anyone at KSEV that will?

Here’s the link to the Harris County Clerk database search. I was able to find our property and it shows the release of lien.

http://www.cclerk.hctx.net/applications/websearch/RP.aspx

Linda

Kelly Malatesta Senior Loan Officer. Kelly Malatesta Benchmark Bank Senior Loan Officer Phone: 888-335-1909 or Kellytx.com

Edward Robinson
Professional Engineering Insp., Inc.
Houston, TX 77277
713-664-1264
http://www.profengineering.com

I think that’s right.

Steve, do you have an Independent Insurance Agency that you recommend?

Like to get Steve’s office number for seeking his counsel.

Steve, I know you are always finding interesting things that people spend way to much money on. I found a website called sillymillions.com they have compiled all kinds of stuff like that.

Steve, please repeat the newspaper in which the article about dog-walking and exercise benefits appears. Thought you said the NYTimes, but I don’t see it there. Thanks so much!

Steve
What is Mike Harrington’s phone number? You said it too fast the other day.
Thanks much.
Paul

What is the address of the free credit report?

New government regulations dealing with mortgages (brokers) goes into effect April 1……how much will that cost the consumer?

Hey Steve,
I used Credit Karma to get a free credit score from Transunion. Maybe you can past that on to the listeners.

I missed the contact information for the attorney you had on the air this morning. Can you please send her contact information?

http://www.lawyerkaren.com/

You had a financial planner on today named Terri Gerst (spelling?) . What is her website?
Thanks.

Steve, most electric company quote the base rate, which may be cheap. When you get you monthly bill, there will several items added to the bill, which will drive the bill higher. So, to get the ‘mixed’ rate, divide the total bill amount (what is due) by Kilowatts. ie..($107.96 / 908 kw = 0.119 cents .This will give your ‘true’ rate. When you ever get a quote, ask them for the mixed or combined rate. Don’t settle for the base rate.

Steve,
Perhaps you have discussed this on your show but I don’t get to listen as ardently as I would like to, what is your “forecast” of the economic condition for the foreseeable future? I hear the “doom & gloom/Stansberry” types and it is disconcerting to say the least; then, I hear the “Little Mary Sunshine” types saying “don’t worry, be happy” and I don’t buy them either; what’s the real skinny?

Our financial advisor is suggesting an annuity for guaranteed income for retirement. You have always advised against annuities. Why? And what is the difference between A and B annuities?

Steve I purchased a variable annuity with a guranteed life income rider. I can select among 100 different investment accounts. My initial investment of 800,000 invested in 2009 is now worth 1,360,000. My initial income was $40,000 a year but has now increasted to 65,000 a year. Did I make a wise investment?

Hi Steve,
Please remind me who the contact is for saving on electricity bill.
Michelle

Mike Harrington’s phone number please and thanks.

Steve,

My electricity provider expires in June. What is the name of the person you recommend for advice. Most times when I hear you giving his name, I am driving.

Thanks and Have a Great Easter

Vee Puckett

RE: Tailgate thefts
Steve,

This is the note that our Security Coordinator gave us by email which came from one of our deputies: “Nothing is foolproof, but you may sugges that people go to the auto parts store and purchase an 1 1/2″ hose clamp, place and tighten it around the right side hinge pin on the tailgate. It may save the tailgate because it takes a little more time to remove the clamp, before taking the tailgate. These crooks count on the theft being quick. They may move on to the quick and easier target. Tailgate theft can happen in less than 10 minutes!”

Faye H.

Stop recommending Joe Wardell as insurance agent. I contacted him and he responded. after I sent him copies of my current insurance policies he was suppose to give me a quote. Never has called back and will not answer my call. If he is not interested he should at least say so.

What is the dealership from which you recommended purchasing tires? (I listen to you a lot, so I am sorry if you aren’t the host who recommended the dealership.)

On your show today, you mentioned our national debt and a dollar amount that translated to for each person in America. I’d love to hear a number comparing

our national debt versus national “income” to a person making, say, $100,000 per year and how much debt he would owe, using the same debt to earnings ratio as our government. Also– I don’t know if you are familiar with how Thomas Jefferson handled his own personal funds, but if not, you may be surprised to discover that one of our most beloved forefathers was quite cavalier when it came to personal finances. Perhaps that is a prerequisite for holding high office? I enjoy your show.

Suzanne Reynolds

Steve,

We would love to listen to you show in podcast, along with other listeners. Is that available? We live in Austin ana dmiss your show greatly!

Thanks,

Karen

Steve,

For your show with the softball coach and scholarships, here’s some prep material for you.  http://www.fastpitchrecruiting.com/

Steve: What was the name of the company that helped with college applications and essays.   Thanks Bob Parker 

Gary– For the past 8 years, I have also been helping kids with their college apps, essays, resumes, etc.,  in the Memorial/I-10 West and Katy areas (as well as most other areas in Houston). My students’ success rate at getting into colleges is quite phenomenal, and the clients I continue to get from past students’ siblings and recommendations to friends has been very rewarding. So, even though I wasn’t the person on Steve’s radio show yesterday, I’d be delighted to talk to you.  My rate is also $50 per hour and I work with most kids two to three times. The important thing is to start early; I’m already scheduling for rising seniors who will be starting their
college applications in June.  Suzanne
suzr21@yahoo.com

Can you tell me anything about Quiken Loans?

I need the name of the coupon website mentioned last week. Driving and could not write it down.

We are excited to see your “Building a Texas Cottage” ideas website that  you mentioned a few months ago. You have gotten many good ideas from your builder. We are planning a downsized, retirement cottage in a few more months in East Texas.

DearSteve:Met you when Jan Glenn was hosting on channel 13.
My friends iPhone saved his life during the recent tornado outbreak.
Unconscious ,a first responder pickup his iPhone up and upon turning it on saw a white cross with emergency on the tool bar .Family contact information came up with an urgent issue message advising he had a
Blood clot and required emergency treatment due to blood thinner.
Get this app and put it on all your family members iPhones .It’s
Called Savsmylife .Long time listener .Jim Harp.

I am probably your biggest fan in California. Go Steve.

Mr. Drake,
We own a small amount of acreage and use part of the property to grow and sell hay.  We have tried to refinance and cannot find a lender that will loan on property with an ag exemption and/or produces a crop for profit.  We get no further in the process after telling them this information up front (the hay production)  Do you have any advice in a situation such as this?

Hello Steve, I have been involved in a investment over the last year that will allow me to come into a large sum of immediate wealth. I was hoping you could recommend  a tax attorney that could advise me on long/short term tax implications.

Steve,
My wife and I would like to schedule a sit-down meeting with you to discuss inheritance made up of some cash, some muni bonds, some real estate. We have never sought out an advisor but feel we now need to talk to someone who doesn’t “have a dog in the hunt” so to speak and can give us reliable advice. We have listend to you over the years and now feel it’s our turn to ask you some questions. How do we arrange this?

Andrew

Do you implement 401(k) or simplified 401(k) plans for small businesses – 6 employees including owner?

Steve,
My home electricity plan expires in July.  Can you give me information on the gentleman that can assist me in comparing/selecting providers!

Gerald

Hi steve. Who is the home inspector you recommend?

Yes it is.

We are interested in securing money for an investment house. Can you guide us to someone you recommend that can help us get a loan for the investment house? Thanks. Has anyone had any luck finding investment property money? mary.cash@juno.com

steve, what is the name and contatc info for your insurance guy you reccomend?

A while ago, you talked about a “dress for success” consultant on your show, stating you had enlisted this person to help your daughter as she was searching for jobs. What is the name of the consultant you mentioned?

Thank you!

Robin Human

A while ago, you talked about a “dress for success” consultant on your show, stating you had enlisted this person to help your daughter as she was searching for jobs. What is the name of the consultant you mentioned?

Thank you!

Robin Human

Does Two Sketch Home Planners have a website?

Steve,

A short time ago, you referenced a “dress for success” consultant you hired to help your daughter(s) select appropriate business wear as they ventured into the job market. What is the name of that consultant? 

Thanks,
Robin

I really wish I had your question

Hi Steve, please send me the “career assessment” test(s) you recommend. Thanks in advance, Kim

Steve, Can you send the “career assessment” test(s) you were discusing yesterday?

Thank you!
-Lisa

Steve,
You have mentioned a home builder in the hill country that you had a good experience with. Can you give me his contact information?
Thanks,
Gus

I want to podcast your show. Please make your show available in a podcast.

Steve,My electricity provider expires in June. What is the name of the person you recommend for advice.

Thanks, José

Are the rates of Old Security Financial Group too good to be true?  Is this a reputable company?  My Mom is thinking about doing a 10 Year Single Premium MYG Deferred Annuity…

Thank!  Gary

I catch a little bit of your show pretty often when I get out for lunch.  I am not approaching retirement, but would love some pre-retirement advice.  Let me know if we can get together so I can get an hour’s worth of advice. Thanks!

I  can’t get the show over the internet anymore.  Is it still available?  I’m in Austin, so out of AM radio range.  Mark

Steve,

      I heard you discuss fixed annuities (not variable) numerous times.  I am considering this vehicle as part of my retirement plan.   Would you ever consider a fixed annuity for yourself or your clients?

Chill78809 

Let’s quit pointing fingers and fix the problem.  Everything doesn’t have to hurt the American people – so let’s start there.
We got into WWII to get out of the Great Depression.  Let’s use the same logic now.  We’re spending billions on wars, so let’s use that as the stimulus.  My proposal is that EVERYTHING used by the US military be made in America by 2020.  It’s good for national security and for the economy.  It will put people to work now and for the long run.
My challenge to ALL talk radio, television commentators, Congress and the public in general is to drop the politics and focus on the problem.  I know the American people have good ideas that would work.  Come on – let everyone know yours.

Several months ago you had an electricity consultant on your show.  I wrote down the name but cannot find it now.  Can you get me the name?

Good morning Steve,

I am not sure that I heard it on your show so please forgive me if I didn’t…

I understand there is a document that parents can have their adult child execute that allows them to decide medical issues for their college child in the event of a serious, incapacitating event. Do you know anything about this?

Thanks,

Jim

Steve,

I have a mobile home…where can I go to refinance @ these low interest rates. I have checked around and most banks will not refi mobile homes. Thank you for your time.

amh34@embarqmail.com

Steve, who was the lady you just had on talking mortgages? I didn’t catch her name or her company’s name. Thanks, Jim

I am new in the area and I heard your recent caller getting a NOO loan with 5% down.  Is that available in this region?

Steve,

  What was the name of the government act you mentioned on your show yesterday for kids of veternans & getting free help? Some guy called in & talked about it & I had never heard of it & neither had you.

Hey Steve!  Regarding finding the cheapest energy prices out there check out www.shopmypower.com   Powertochoose is too complictaed.  http://www.shopmypower.com  is the easiest site I have found to search for the lowest rate in someone’s area.  Put in your zip code, select what is important to you (fixed, variable, green etc…) and presto!  All available plans pop up. Easy!

- Jeff Schneider

You mentioned a re-finance person on today 09/06/11..Kellie >??? please repeat that info.. thanks

i would like to know who steve recommends also.  do you know?

Steve
Getting a Home Loan and / or Refinancing is very very difficult.  What percentage of applicants actually get approved?  Ask Kelly the next time she’s on your show.  How can she make money with all the paperwork…and so many applicants who don’t get approed.  

Steve
Getting a Home Loan and / or Refinancing is very very difficult.  What percentage of applicants actually get approved?  Ask Kelly the next time she’s on your show.  How can she make money with all the paperwork…and so many applicants who don’t get approed.  

How might I make an apt with you. Please give me your number so I might schedule an appointment. Thank you, G. W. Reyes 713-203-4423

How might I make an apt with you. Please give me your number so I might schedule an appointment. Thank you, G. W. Reyes 713-203-4423

I”m 31 yrs old and have never invested. I want to learn to invest. Is there a financial advisor that you recommend?

The State of Texas has a website that allows you to put in your zip code and get a list of current charges (no pun intended) from all the electric companies available in your area. The link is http://www.powertochose.org/. 

Steve,
Your program was prerecorded today, Oct. 6, and a man called in on how you can consolidate you emails it was Roam__.com. I tried to catch it but was unable to. I would greatly appreciate that information.
You helped my husband and I several month ago and we need to schedule another appt. with you.
Thanks for the daily program and all the ways it has helped us.
Be blessed,
Carol Hennessee
281 693 0571

You mentioned on your show today a book about houses. The author’s first name (I think) was Susan. Something about “thinking small” when building or buying a home.  Thanks  Pat

Steve my mother has a companion that is almost 18 yrs younger than she is she sold her old home, they both put about $100,00.00 down on a larger new home, so they won’t have any house payment. She is 85, and I asked if she made a new will, she said no.She wants him to be able to stay in the new home if she passes away, my question is what does she need to put in her will, so that her heirs get their 1/2 of her share of the house when she dies and he can stay in the house. Does he have to buy out her share so it can go to her heirs?
Thanks, Adrian
PS Please don’t use my name on the air, if you answer on the air can you tell me when so I can listen.

I have approximately $500,000.00 that I want to put into 1 yr CDs for my mom.  My teacher’s credit union is offering 1.20 which is much higher than banks.  Is it safe to put into a credit union?   I know it is insured, but don’t want to lose my mom’s money.

We love you program .keep up the good job!

Steve,
Owners of the company I work for started another company and moved several people into the new company. The new company started their 401k.
Can I roll my old 401k out and into a Roth IRA?

I have a question about good part time jobs for my soon-to-be college aged kids.  I was thinking that it would be good if they got some kind of a certificate from the local community college in computer/secretarial, machinist, veternarian assistant or something else skilled so that they would have a better shot at a good part time job during college, better than waiting tables like I did.  Is that even feasible?  They are 15 and 13 now, so they could do it over the course of a few summers or a home-schooled type of situation.  Any advice would be appreciated.  I love your show! 

Steve,
I listen often, rarely have a chance to call in…silly thing like work, you know, or driving.

My bank has offered an extrodinary offer!
If I deposit a mimimun of $10,000.00 They will pay me $100.00!
Wow!  How can I afford to pass this up!

Well, where would I get ten large?
What disruption of other investments-had I any worthwhile- would I rob?
And I have to leave the ten for six months.
At an interest rate that I am not sure of!

I’m sorrry, this “check” will have to go to the shredder.

[I know you won’t say the name of this bank…much like the horses running in the steeplech…….

Thanks, Paul

Steve,
I listen often, rarely have a chance to call in…silly thing like work, you know, or driving.

My bank has offered an extrodinary offer!
If I deposit a mimimun of $10,000.00 They will pay me $100.00!
Wow!  How can I afford to pass this up!

Well, where would I get ten large?
What disruption of other investments-had I any worthwhile- would I rob?
And I have to leave the ten for six months.
At an interest rate that I am not sure of!

I’m sorrry, this “check” will have to go to the shredder.

[I know you won’t say the name of this bank…much like the horses running in the steeplech…….

Thanks, Paul

Why does KSEV not provide podcasts of your most wonderful show?

Is it Joe Meyers Ford that you highly recommend? We have friends that need to buy 2 vehicles and are looking at Fiestas.

Steve,

You have mentioned a vacation location in Arkansas that you family enjoyed.  What was the name of that lodge?

I live in Austin also and listen over the internet.  See http://ksevradio.com/

HI Steve.  you had a business broker on your show last year, and you and he discussed book that is vital to the management of business.  Can you give me the title please, and any other pertinent books related to an exit plan.  Thanks

That’s awesome story about the lady, thats why you are Blessed! My grandfather told me if I help 10 people and only one was really in need, I still did good.

Steve,  I’m trying to get my mortgage refinanced and want to know if using a Mortgage Broker is a good idea?  I have a fixed 30 year conforming loan and I am 2 years into it.  I would like to lower my interest rate and hence my monthly payment.

First, I enjoy your show, lots of useful info.
But I’m writing to ask a question on our area electric choice, in Walker County we have Entergy, their service territory covers 28 counties with more than 400,000 customers
 “Residential 356,999 – Commercial 44,080 – Industrial 4,815 – Governmental 2,213 “  
They are also in Arkansas, Louisiana & Mississippi.
We don’t have a choice to change our electric provider? 
If one of our elected state official would like to make a difference to the people they server I would think they would look into this. 
Your thoughts?

Can you recommend an area within 2 hours of Houston with up-side potential for building $300~400,000 vacation home?  Lake Conroe with pending XOM move to Woodlands?  Brenham area, where you’ve mentioned?  Are there any rural “developments” with utilities/amenities/streets if I didn’t want to have multiple acres to take care of?   Thanks, Mark

Hi John – You are not “on the Texas grid” where you can shop for electricty. The good news is that your provider has rates that are often on the low end of the price range.

Do you recommend a book we can study before we make decisions about retirement income? We know there are many products….