• Videos

    Face The Fear Coffee Chat #1

    Welcome to our first Face The Fear Coffee Chat! Nicole and I are now both working from home, so we decided to try a new “podcast” format. Join us as we chat about how life has changed over the last couple weeks and how we can stay mentally, physically, and financially healthy during our #selfquarantine. #StayHealthy #StayHappy #StayAtHome

    P.S. We apologize for the sound issues – we’ll get those fixed for the next Coffee Chat! Stay tuned for our next Coffee Chat! We’ll host a Zoom meeting for anyone to join. 🙂

    Small Businesses we LOVE:

    -Moxie Mavens Accessories – moxiemavensco.etsy.com

    -Kaula Marie Photography (Central Illinois) – www.kaulamarie.biz Kaula is a photographer who will be shooting Kaitlyn’s wedding in August! She has e-gift cards at 40% off available for purchase on her Facebook page! (www.facebook.com/pg/kaulamariephoto/posts/?ref=page_internal) Buy an e-gift card now and use it for family photos, engagement photos, wedding photos at any time (they never expire)!

    -Pollen and Pastry (Central Illinois) – https://www.pollenandpastry.com

    – Sassie Cakes (Fort Wayne, IN) – http://www.sassiecakes.com

    – HT2 Cocktails (Fort Wayne, IN) – www.ht2fw.com

    – Mi Pueblo (Fort Wayne, IN) – https://mipueblofortwayne.com

    – Col’s Place (Madison Heights, MI) – https://www.colsplace.com

    – The Office Coffee Shop (Royal Oak, MI) – https://www.theofficecoffeeshop.com

    Please share your favorite small businesses in the comments below so we can support them, too!

    Also, please comment below with your ideas of how to stay busy, have fun, and be happy while we #StayAtHome!

    Contact Us: facethefearfw@gmail.com

  • Videos,  Wedding

    Wedding Planning 101: Tips & Tricks to Slay your Special Day

    Join me (Kaitlyn) on the journey to planning our wedding! In this video, I share a few of the tips & tricks I’ve learned so far about how to find the best deals, reduce stress, and save time. Don’t forget to like & subscribe! Leave a comment down below if you want to see a part 2!

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    Podcast: Face the Fear (on Apple Podcasts, Stitcher, Spotify, and Google Play)

    Contact Us: facethefearfw@gmail.com

  • Videos,  Wedding

    Our Story Q&A! We’re ENGAGED!

    Join us on our 22 hour road trip from Texas to Michigan! We answer all your questions about how we met, what challenges we have in our relationship, and how we’ll handle our finances as a newlywed couple.

    (Public Service Announcement: This video is LONG. So long, in fact, that we almost ran out of gas in the middle of nowhere Arkansas because we didn’t realize how long it would be. Miraculously, we made it to a gas station on fumes & somehow filled my 14-gallon tank with 16 gallons of fuel. We also conveniently grabbed lunch from the gas station Subway, where the lady, as she prepared our sandwiches, explained in graphic detail how she’d recently castrated her goat. All that to say, THANK YOU for watching this video. Our followers make it all worth it.)

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    Podcast: Face the Fear (on Apple Podcasts, Stitcher, Spotify, and Google Play)

    Contact Us: facethefearfw@gmail.com

  • Videos,  Wedding

    How To Talk Money with Your Future Honey

    Let’s talk money, honey! (How To Build A Budget with Your Babe)

    Planning a wedding is overwhelming, and often, building & sticking to a budget can be the most stressful part. For many couples, creating a wedding budget may be the first time they’ve seriously talked about finances together. It’s so important to build a solid financial foundation before entering into your newlywed life. Here’s a few tips for talking money with your future honey so planning a budget will be a piece of (wedding) cake!

    According to The Knot’s 2018 Real Weddings Study, the national average cost of a wedding is $33,931. YIKES! How do you plan a wedding without going broke? How do you talk to your parents, fiancé, and future-in-laws about a wedding budget? How do you start your marriage with a solid financial foundation?

    Our Face The Fear Bridal Series is here to tackle all of these questions AND MORE! Thank you for watching this video!

    Contact Us: facethefearfw@gmail.com

  • Videos,  Wedding

    How to Plan A Wedding Without Going Broke

    #FaceTheFear Wedding Series

    According to The Knot’s 2018 Real Weddings Study, the national average cost of a wedding is $33,931. YIKES!

    How do you plan a wedding without going broke? How do you talk to your parents, fiancé, and future-in-laws about a wedding budget? How do you start your marriage with a solid financial foundation?

    Our Face The Fear Bridal Series is here to tackle all of these questions AND MORE!

    Thank you for watching this video! Don’t forget to like and subscribe!

    Instagram: https://www.instagram.com/face.the.fear/

    Twitter: https://twitter.com/Face_The_Fear

    Podcast: Face the Fear (on iTunes, Stitcher, Spotify, and Google Play)

    Contact Us: facethefearfw@gmail.com

    The Knot’s 2019 Real Wedding Study

  • Videos

    Estate Planning: Put To The Test

    Does financial planning really work? Abby Sullivan, Guest Contributor and Associate Account Executive at Allego, puts Estate Planning to the test! Inspired by our Face The Fear podcast about Estate Planning with Matt Erpelding, Abby decides to apply our content to her own life. Abby describes the process of creating a will, choosing a health care proxy, and designating a power of attorney. Let us know your thoughts in the comments below!

    Contact Us: facethefearfw@gmail.com

  • Real Estate,  Videos

    First Time Home Buyer? What You NEED To Know!

    This week, the DeVisser Real Estate Group is our special guest on Face The Fear! Brendin DeVisser, a Millennial real estate agent, answers some of your most common questions about the home-buying process. Don’t forget to like, subscribe, and leave a comment! The DeVisser Group with Five Star Lakeshore is a hardworking team of real estate agents in West Michigan who work hard to inform and educate people on the home buying process, especially when it’s their first time buying a home! From credit scores to pre-approval, we can help you better understand these big transactions that can change your life. With helpful guidance and preparation, you’re on your way to owning your own property! If you have any questions, you can find us on social media (links below) or give us a call!

    DeVisser Group:

    Website: http://brendin.seewestmichiganhomes.com

    Facebook: https://www.facebook.com/brendinfives…

    Instagram: https://www.instagram.com/bd5starreal…

    Twitter: https://twitter.com/bdevissfivestar?l…

    LinkedIn: https://www.linkedin.com/in/brendin-d…

    Snapchat: @bdvrealestate

  • Real Estate

    First Time Home Buyer? What You NEED To Know!

    Feel free to watch the video here!

    Hey guys! For those of you who don’t know me, I’m Brendin DeVisser, a real estate agent in West Michigan! I’m 25 and I’m the founder of The DeVisser Group with Five Star Lakeshore which consists of other real estate agents and my marketer.

    My goal here is to quickly and simply, help you through the process of buying your first home! I know it can sound intimidating and stressful, however, if you surround yourself with professionals you can trust, that stress and intimidation will disappear

    I was 19 when I first invested in real estate. Crazy right? Was I scared? Nah. I’m a big tough man and I can handle all this stressful money stuff. I’m kidding. Of course, I was scared!I was putting a lot of money into something that would eventually be mine, but right now felt like it was burning a hole in my wallet. However, with the right guidance from experts I trusted, I was able to purchase a duplex, rent it out and start paying it off. 

    You’re buying your first home, or you’re thinking about it. Well, now is the time to do it! The real estate market is still hot but it won’t be forever. Interest rates will rise and so will the prices of homes. 

    So, where do you start? 

    You contact someone like us. A real estate team you can trust to guide you and prepare you for what is ahead. If they’re anything like us, they will be there to answer any questions you have, anytime. You want to prevent as many conflicts from arising as possible and that is the agent’s job. 

    They can refer you to a bank or lender they rely on to check your credit score to see if you’re capable of getting a loan and eventually approval to buy a home. 

    What’s a credit score?

    Ahh, the dreaded credit score. If you’re afraid of it, it’s for one of three reasons.

    1. You don’t know what it is, therefore you’re afraid of the unknown. 
    2. You don’t have one.
    3. You have a bad one.

     First of all, what is a credit score?

    Simply put, a credit score is something you receive and earn by making a payment on time and for a period of time. (Examples: Phone, car, rent etc.)

    Secondly, how do I improve my credit score?

    • Increase your points by paying in full and on time
    • 850 is a perfect score 
    • Earning a perfect score gives you the best possible interest rate for purchasing your home 
    • Accomplishing this proves to a lender/bank you’re responsible
    • If you have zero credit it will be very difficult in most instances to get an approved loan for a home
    • This process is similar to a car loan if you’ve had one, but we are generally talking a bigger loan, which means more requirements. 
    • Consistent payments for at least 6 months is what lenders are looking for

    Keeping this up and being responsible with your money and payments will offer an easier time buying a home later on.

    Do you have to be Pre-Approved to buy a home?

    Yes, unless you’re paying in cash. 

    The preapproval letter tells us you are ready to buy a home

    To Rent or to Buy? 

    This is the question I get all the time.

    If you plan on staying where you are for a short period of time, renting could be your best option. However, if you plan on settling down in the area for several years, investing in a home, in my opinion, is the best way to go. Then you can add equity (or real property value) instead of paying rent for something you don’t (and won’t) own.

     It’s different for everyone, so make sure you’re talking to a professional you trust to figure out what’s best for you and your situation!

    Some Challenges I Ran Into Buying My First Home

    As I mentioned before, I was 19 when I first bought my duplex. I was taught to use cash for everything so, if you were paying attention, you know what that means. My credit score was NOT perfect, which made it difficult to take out a loan and buy my first home. Learn from my uneducated 19-year-old self and start working on that credit score! Find people you trust and search for a worthy investment!

    These simple steps are crucial as a first time home buyer! I hope this was helpful and if you have any questions feel free to contact us. You can find us on almost every social media platform to learn more about real estate.

    Article Contributed By: Brendin DeVisser

    DeVisser Group:
    Website: http://brendin.seewestmichiganhomes.com
    Facebook: https://www.facebook.com/brendinfivestarealestate/?ref=settings
    Instagram: https://www.instagram.com/bd5starrealtor/
    Twitter: https://twitter.com/bdevissfivestar?lang=en
    LinkedIn: https://www.linkedin.com/in/brendin-devisser-877a09118/
    Snapchat: @bdvrealestate