Saving For Your New Home

Saving for your new home! Start today and Invest tomorrow!

There are many ways that you can save up for that new home you plan to purchase. The important thing is that you have a sound plan and follow through with action! You can own your own home in no time if you stay committed! Here are a few things that you can do to help you budget and plan for the home of your dreams!

First you must define your money-saving goals. By having a written plan, you’ll know what you are shooting for. Some questions to ask yourself are: How much money do you want to save, and over what period of time? How much do you think you'll need to put toward a house someday? It would be a good idea to set up a "housing fund" for yourself. This can be a separate savings account at the bank where you currently have an account. This is where you'll put a little extra money each month, to prepare for the home-buying expenses we talked about earlier. Also, you may even consider setting up an auto-transfer with the bank, so a pre-determined amount goes into your housing fund each payday. Most banks offer a service like this, and some employers will allow you to split your paycheck into two accounts.

The next thing is to create a budget for yourself. For some people, this can be a challenge but you have to do this in order to reach your goal of home ownership. You need to find out how much money you are spending each month, and where that money is going. There are two reasons for this. You need to know how much you can put aside each month, and you also want to spot any wasteful spending habits. This is really the hard part but if you stick to it, the reward of becoming a homeowner is so much greater!
Subtract all of your monthly expenses from your net monthly income (after taxes). The amount you have left over is what you can put toward your house fund each month. If it's a very small amount, then you need to find a way to cut down on your monthly expenses -- as a way of channeling more money into your house fund.

How often do you eat out? This is one of the first things you should address when saving money for anything. Dining out can be expensive, especially when you do it several times a week. If you can cut back in this area by eating in more often, you'll have a lot more money to put toward your house fund each month.

Last but not least…..

Only buy necessities! This seems like a simple money-saving tip, but you'd be surprised at just how powerful it is. Whenever you're about to make a purchase, ask yourself this question: "Do I really need this?" More often than not, the answer will be no. And the more you refrain from making unnecessary purchases, the more money you can put toward your future house.

To get professional advice and more information call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com

Annetta Powell
Queen of Real Estate

Secure Financing

Secure Financing!

Whether you are putting up your own resources, securing money from investors or working with a bank for a loan, make sure your financing is set up before anything else so you have the freedom to start the homebuying process.

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

House Hunting

House Hunting - Wear comfortable clothes and sturdy shoes!

Trying to find your perfect first home can be tiring. Wear comfortable clothes and sturdy shoes. There's no sense in torturing yourself or your feet unnecessarily!

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

What Type of Property Should I Invest In?

What type of property should I invest in!

Determine your investing strategy!

There are different types of real estate, and different ways to invest in them. Which way is best is for you to decide, according to your particular needs. Here are a few avenues to consider when starting your business.

Rental houses
One of the easiest ways to get started and good long term return on investment. At times, being a landlord can mean more hard work but if you are up for the challenge then go for it!

Rent-to-own houses
When you buy, then sell on a rent-to-own arrangement, you get higher rent, and the buyer is usually responsible for maintenance. The bookkeeping cab be tricky, and most tenants don’t complete the purchase (this can be an advantage too, but it does mean more work for you).

Fixer-uppers
Are a quick return on your investment, and it can be more creative work. Keep in mind that fixer uppers can be high risk (many unpredictables) and you can get taxed heavily on the gain.

Buy for cash, sell for terms
You get a high rate of return by paying cash to get a good price, and selling on easy terms to get a high price AND high interest.


Buy land, split it and sell it
It is simpler than most real estate investments, with the possibility of great profits. The down side to this is that it can take a long time, and you have expenses, but no cash flow while you wait.

Boarding houses
You can get a lot more cash flow renting a house by the room, especially in a college town. The downside is that you can get a lot more headaches renting a house by the room, especially in a college town.

Commercial real estate
Long term triple-net leases mean little management and high returns. Commercial Real Estate can be a tough market to break into, and you can lose income on vacant storefronts for a year at a time.

Looking through this list of options should help you decide what avenue of Real Estate you’d like to pursue. Always do your homework! Take your time and figure out what’s best for you. Also, talk to an experienced Real Estate professional to sort out your options. When starting out in Real Estate, making huge decisions will require the help of someone who knows about the business.

Once you own your first property, you will want to add more advisors to your team including: attorney, accountant, and various contractors. Most of them should own investment property or at least have investment property clients. Sometimes the biggest obstacle to becoming a Real Estate Investor is simply taking that first step. If you have found the right advisors, that step can be much easier and less stressful. Now go get started!

To get professional advice and more information call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com.

Annetta Powell
Queen of Real Estate

Make a List!

Make a list!

Make sure that you and your spouse know what you want and need in a home. Sit down and make a list. It’s a good idea to zero in on the features you must have, would like to have, and definitely those that you don't want and would prefer not to have. Your goal is to find the right home for your family!

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Running with the Vision!

Real Estate Investing! Running with the Vision!

Becoming a Real Estate investor is one of the biggest decisions you’ll make in your life. It can mean the difference between getting up every morning and punching a clock (something that you hate) and getting up and selling an investment property and making a huge profit! The latter definitely sounds better! Now is the time to run with the Vision!

In order to reach you goals as a Real Estate investor, you must have a vision. Also, you must have drive and determination in order to run with that vision! Real Estate has its rewards but those rewards cannot be obtained without a sound strategy and the ability to execute. We all want financial prosperity. We all want the ability to pay our bills on time, get rid of our creditors and have some spare change in the bank. Sitting down and creating goals for yourself is the best way to create your vision!

Many will tell you that the Real Estate market is horrible right now. But for a Real Estate investor, this is the best time to create a financial empire! Don’t waste time on get rich quick schemes and investment scams that could put you deeper into the poor house. Putting your time and effort into building a stable and successful business will definitely pay off in the long run! So run with your vision!

One of the biggest challenges that people face when trying to become a Real Estate investor is the lack of cash. But this does not have to stop you from running with your vision. If you are already a home owner, you may have what you need to start your business. If you have owned your home for a few years, then you probably have some equity built up that you can access to get you started in Real Estate. There are a few options that you can exercise to help you run with your vision. Talk to an experienced Real Estate professional and find out how you can start investing and run with your vision today! Starting your Real Estate business will take time, patience and effort but don’t be discouraged!

Before starting your business, it would be in your best interests to find out what kind of Real Estate investor you want to be. Do you want to buy house to rehab and flip? Maybe you want to rehab and hold them. If you are uncertain, visit your local Real Estate Investing (REI) club meeting and talk with other investors. Read everything you can about real estate investing. Read and participate in on-line investor forums as place to ask questions and learn. Find a local investor, take him to lunch, and have him explain the business. This lunch may turn into a friendship and this person may become one of your real estate advisors. Reach out and do all you can! Run with your vision today!

To get professional advice and more information call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com.

Annetta Powell
Queen of Real Estate

Take Charge!

Take charge when buying a home!

If you approach the home buying process cool, calm and with confidence, you are much more likely to emerge with a house you'll be proud to call home.

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Are You Ready?

Home buying! Are you ready?!

Sit down with your spouse and even family members and weigh the pros and cons of buying your first home. You want to make sure that you are mentally and financially ready to make such a large purchase!

Visit www.visioninvestmentcorp.com for more information.

Annetta Powell
Queen of Real Estate

Attracting a Buyer for Your Home!

Attracting a Buyer for your Home!

If you are a Real Estate investor or a home owner in general, in today’s economy, you must be thinking of different strategies to sell your homes. It’s possible that you could have a property on your hands for a few months or longer but if you want to be efficient, quick and turn a profit, here are a few strategies for attracting buyers for your home!

Landscaping!
Taking great care of the lawn is a great way to attract buyers. There is nothing like a beautiful landscaped home to grab a buyer’s attention. If the lawn is full of weeds, brown and yellow, it doesn’t make the rest of the house look so attractive, especially if you are the personal owner of the property. Having a green lawn free from weeds only reinforces to the home buyer that your house is well cared for. Remember: Overgrown shrubs and hedges hide the true value and size of your home. Prune all overgrown plants. Get them away from the siding. Plants push water onto the siding. This can cause water and rot damage. Hang colorful flower baskets on either side of your front entry. Trees and larger plants should be placed as either a focal point or a guiding path in the front yard to your front door. Also spruce up the planting beds with new bark-dust. Temporarily using a lawn service may be a good investment until your house is sold. Get it green!

Draw in your buyer!
Now that you have made a great impression with the landscaping and exterior of the home, now is the time to really impress your buyer with a clean front entry. The front entry should be repaired, crack and rot free, and freshly painted. New and bright entry lighting is the way to go. The front door should be free from dirt, newly painted and have a visual style that reflects the theme of your home. A new lockset, deadbolt and brass kick-guard is an inexpensive way to spruce up your front door.

Putting a price tag on your home!
With the downturn in the economy, you don’t want to overprice your home. Over-pricing when you sell a home reduces buyer interest, makes competing homes look like better values, and can lead to mortgage rejections once the appraisal is in. Over-pricing when selling a home is the single biggest reason why many "for sale by owner" home sellers don't sell their homes successfully. Remember: the home selling market dictates the price (not what you think it should be worth). One of the best ways to correctly price your house when selling is to find out how much other homes, similar to your own, recently sold for in your neighborhood. Talk to home sellers, buyers and check out the real estate listings in your local newspaper.

And last but certainly not least…

Marketing your home!

There are tons of ways to market your home. With the advance in technology, there are endless options to attracting a buyer for your home. The most popular has been using websites to post your home for sale and then adding pictures and virtual tours. This allows your buyer to get a good look at the home, inside and out! Newspaper ads won’t do the trick alone. People like to see visuals. It would be in your best interest to learn the latest computer technology so that you can post your home yourself or find a computer person that can do it for you.

These are just a few tips for attracting buyers for your home. Don’t be afraid to be creative and savvy. Remember, you want your clients to be happy as well as turn a profit!

To get professional advice and more information call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com

Annetta Powell
Queen of Real Estate

Calculate Your Income Vs. Debt!

Calculate your income vs. debt!

As you start to consider buying your first home, make sure that you sit down and calculate your income vs. debt. You don’t want to take on something as huge as buying a house and you are not financially able to do so!

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Establish Good Credit Habits!

Establish good credit habits!

Be sure to pay all your bills on time and try to develop good spending habits! Good spending habits and establishing good credit habits are key to being approved for a home loan.

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Tap Your Relatives for Advice!

Tap your Real Estate agent relatives for advice!

If you have family members in the real estate business or have been successful in home buying, give them a call and find out all you can!

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Pride in Property!

Pride in Property! Become a Homeowner today!

You can still become a homeowner today. Please believe that there is pride in property! There so many benefits to owning your own home so if you are up for the challenge then you can become a homeowner today! Pick up a newspaper! Turn on your television! Ride down the street! There is property everywhere! You will face many decisions when buying a home. For most people, buying a home is one of the most important decisions of their lives. The decision is not usually an easy one. But, trends in home prices and mortgage rates, combined with the tax advantages of home ownership, make this an excellent time to turn the home of your dreams into a reality. When you are thinking about buying a home, you may want to consider the many advantages to homeownership:

1. You enjoy being part of a community and a neighborhood.
2. Houses can increase in value over time, which means you increase your net worth.
3. As your home appreciates in value, you build equity in your home. This equity works for you if
you decide to take out a home improvement loan or home equity loan. Increasing equity also
increases the amount of cash you may receive if you sell your home in the future.
4. Real estate is an important part of a diversified financial portfolio.
5. The mortgage interest you pay on your affordable home mortgage is often tax deductible.
6. Homeownership offers more flexibility to make changes to your living space, such as painting
your walls or putting in new carpeting.

Also, there are added responsibilities that come with homeownership:

1. You are responsible for fixing and maintaining the exterior, such as roofing, windows, and
landscaping; and the interior, such as carpeting, plumbing, and painting.
2. You may need to purchase basic household items such as a lawn mower, garden tools, and
major appliances.
3. Upkeep on a house can be time consuming and costly.

Remember, there is pride in property!

Whether you’re buying solo, with a spouse, or with a group of friends, here are some things to think about when deciding on a house!

• creating a realistic budget
• picking a great real estate agent, mortgage broker, home inspector, and other professionals
• choosing a mortgage
• borrowing a down payment from family and friends
• doing a thorough property inspection
• making an offer and closing the deal

To get professional advice and more information on purchasing a home call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com.

Annetta Powell
Queen of Real Estate

Research Where You'd Like to Live!

Research where you’d like to live!

This is the first step in home ownership. Finding the perfect neighborhood for you and your family is very important.

Visit www.visioninvestmentcorp.com for more information!

Annetta Powell
Queen of Real Estate

Pave the Road to Your First Home!

Pave the Road to your first home!

Buying a home is one of the most important decisions you will ever make. It will take time, money and lots of energy. Before you get started, there are some things you will need to learn and do before making that huge purchase. One of the keys to paving the road to your first home is great planning. The first question you answer should be why do you want to buy? You also need to decide if you are ready. Most couples dream of owning their own home and being able to raise a family in it for years to come. The first thing you and your spouse should do is sit down and decide if you both are ready for this huge commitment. Sometimes it’s not always about the money, it’s about the energy it will take and the process you will have to go through. If you and your spouse intend to have children then buying a home is a great investment.

Another key to paving the road to your first home is finances, meaning do you have the money?
Homes and financing are closely intertwined. You will be happy to know that over the years new and innovative loan programs have evolved which require a 5 percent down payment or less. In fact, a number of programs now allow purchasers to buy real estate with nothing down. In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but also underwrite closing costs. Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so most home buyers choose to buy with some cash up front. Those great loans with little or nothing down are not available to everyone: You need to have decent credit, which generally means a 580 or above.

Another component is making sure that your financial house is in order! In the excitement of searching for homes and thinking about how you are going to decorate, there is something important that every couple needs to be sure of and that’s taking care of bills and debt before attempting to purchase a home. Start now by paying all of your bills on time. For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time. If you have a steady job and a reasonable credit history, there is a good chance that you can find a home lender who will lend you most of the purchase price of your new house. Home loans are also called "mortgages," I have discovered that this word comes from a Latin phrase meaning "pledge unto death." Lenders expect to get paid on time and it’s important to make sure that you are financially capable of assuming such a large amount of debt.

Don’t let the hard work and pressure of buying a home get to you. Buying a home will be fun and exciting, as well as time consuming. These are just a few of the things you will need to think about to pave your way to your first home!

To get professional advice and more information on purchasing a home call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com

Annetta Powell
Queen of Real Estate

Vision Tip of the Week: Plan Ahead!

Plan Ahead!

When purchasing your first home be sure to have a sound plan. Do your research and find out what you need to do in advance!

Visit www.visioninvstmentcorp.com for more information!

Annetta Powell

Homebuying 101!

Need Help! Read all about it in Homebuying 101!

If you are ready to purchase your first home, I have compiled a few things that you should know before making that big purchase. Owning your own home is great but there are lots of things you will need to consider. Here is your guide to home ownership!

1. Can you commit!
If you can't commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. Make sure that you are ready to settle down. If you are married or single, you can purchase a home. You just need to make sure that you are ready financially and mentally.

2. Pay off your debt!
Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. Be sure to obtain copies of your credit report. Make sure the facts are correct, and fix any problems you discover. This could be the difference between you owning and renting.

3. Find a house within your price range!
The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you'll do better if you use a mortgage calculator. You can find them online. If you input the information, it will tell you exactly how much house you can afford for your salary.

4. Qualifying for a loan!
There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a down payment as small as 5 percent of the purchase price.

5. Search wisely!
Be sure that you find a great area that has everything you need nearby. If you are a parent, make sure you find an area with great schools. It would be wise to go online and do research about the area you are looking into. As a parent, this is a very important component in searching for the perfect home.

6. Seek the help of a professional!
Even though the Internet gives buyers unprecedented access to home listings, most new buyer, you can also use a professional agent. Start to ask friends and family for great leads on someone you would be able to trust to help you out. Look for an exclusive buyer agent, if possible, who will have your interests at heart and can help you with strategies during the bidding process.

7. Choosing a mortgage!
When picking a mortgage, you usually have the option of paying additional points -- a portion of the interest that you pay at closing -- in exchange for a lower interest rate. If you stay in the house for a long time -- say three to five years or more -- it's usually a better deal to take the points. The lower interest rate will save you more in the long run.

8. Get pre-approved!
Getting pre-approved will you save yourself the grief of looking at houses you can't afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

To get professional advice and more information on purchasing a home call Vision Investment Corporation at 877-799-0820! Feel Free to visit the website at www.visioninvestmentcorp.com

Annetta Powell

Buy Don't Rent!

Buy! Don’t Rent!

Buying a home is one of the most important decisions you will ever make in your life. There are many factors that come into play when deciding to buy your first home. Some questions that may pop into your head are “Can I afford a house?”, “How much house can I afford?”, “What are the advantages and disadvantages?” Every one has thought about home ownership at some point and time or another. To rent or not to rent is usually the question.

By owning a home, you will find yourself in control of your immediate surroundings. You can change things and decorate. You do not have to seek someone else’s approval if you decide to remodel or alter the landscaping. As the saying goes, “Your home is your castle”. In owning your home, with each mortgage payment, you are "buying" something tangible, building up equity. The longer you own your own home, the larger your equity.

There are many financial and personal reasons why you should own your own home rather than rent. The obvious reasons include pride of ownership, building your own equity instead of someone else’s, no more landlords, and of course the tax benefits you reap. There are a multitude of other reasons why owning your own home can make your life better.

When considering buying your own home, you need to answer some pertinent questions:

How much can I afford to pay in terms of monthly mortgage?
Will paying utilities such as gas, phone and electric fit within my budget?
How much will closing costs be, considering fees, points paid, etc?
Do I have enough money for a down payment, and other expenses, such as new
furniture?

If you determine that you can safely handle these extra expenses, then you’re almost there. Careful planning and crunching numbers should give you an idea of whether or not you can afford to own your own home.

Owning a home is a big decision for anyone. Once you are into your dream home, you have to plan on staying for a certain number of years to realize any profit from selling. Do not buy a home that will end up hating. Do your homework and make the right decision for you and your family!

If you are ready to make the first move in becoming a home owner and would like to speak with someone who has a proven track record of success, call Vision Investment Corporation Today! Let us handle all of your real estate needs. Call 1.877.799.0820 now to schedule a free appointment with a Vision Investment Corporation representative.

Annetta Powell

Be a Winner! Be a Homeowner!

Be a Winner! Be a Homeowner!

You have probably thought to yourself that you will never be able to own your own home. Lots of people have doubts about being able to own a home due to credit issues and lack of cash on hand. Owning a home is a big decision and it requires a lot of thought and careful planning. Don’t allow the above mentioned personal issues to keep you from purchasing a home. Be a Winner! Be a Homeowner!

If you are concerned about the lack of knowledge you face when getting ready to purchase a home, there are plenty of resources out there for first time home buyers. You don’t have to make your decision alone. The first thing is to get educated and know what you’re getting into. This is your money and your happiness on the line. Don’t be afraid to ask questions before making your decision. Talk to friends and family members that you trust and have become homeowners. They may be able to offer you some insight about the journey to home ownership you are about to embark on. The idea is to stay positive. Be a Winner! Be a Homeowner!

Once you have decided to become a home owner, there are talented professionals that can help you make your home buying experience a swift and happy one. There are many resources available to you in your community and online that can aid you in your quest for a home. Owning a home is a very rewarding and phenomenal feeling. It means being able to do certain things that you are unable to do when you’re renting or living with someone else. It is truly great to be able to have something that you can call your own! Be A Winner! Be A Homeowner!

The ins and outs of purchasing your first home can be challenging but the benefits are surely worthwhile. Home ownership represents a sense of stability and commitment. Also, the pride that you feel once you have purchased your first home is priceless. You have proven to yourself that you can achieve your goals and that you are able to provide your family with the security it needs. Once you have built up equity in your first home, you can leverage your equity to purchase a nicer home later.

Working with a full-time professional real estate agent is a must. Ask questions of your agent. Find out how knowledgeable he or she is about houses currently for sale in your price range and also of houses that have recently sold. Can your agent recommend a good lender that has the reputation of excellent customer service and low rates? Does your agent ask questions of you to have a full understanding of what you are looking for to help you get the most home for the money?

If you are ready to make the first move in becoming a homeowner and would like to speak with someone who has a proven track record of success, call Vision Investment Corporation Today! Let us handle all of your real estate needs. Call 1.877.799.0820 now to schedule a free appointment with a Vision Investment Corporation representative.

Be A Winner! Be a Homeowner!

Annetta Powell

Vision Investment Corp.

April Week 1 Vision Investment Corp Tip: Watch your Credit Score!

This is important if you want to become a homeowner! Make sure your credit score is at least around a 620 or above.

Get more great tips for your real estate investments atVisionInvestmentCorp.com!
Click the link above will not take you away from this site.

Annetta Powell
Queen of Real Estate

Do your homework first!

Make sure you have done your research before talking with sellers. Know the property values in your area, so when a seller tells you their price, you will know if it’s reasonable for you to purchase.

Annetta Powell
Queen of Real Estate
Click here for more tips and information

Clicking link will not take you away from this site

Buy! Don't Rent!

Buying a home is one of the most important decisions you will ever make in your life. There are many factors that come into play when deciding to buy your first home. Some questions that may pop into your head are “Can I afford a house?”, “How much house can I afford?”, “What are the advantages and disadvantages?”. Every one has thought about home ownership at some point and time or another. To rent or not to rent is usually the question.

By owning a home, you will find yourself in control of your immediate surroundings. You can change things and decorate. You do not have to seek someone else’s approval if you decide to remodel or alter the landscaping. As the saying goes, “Your home is your castle”. In owning your home, with each mortgage payment, you are "buying" something tangible, building up equity. The longer you own your own home, the larger your equity.

There are many financial and personal reasons why you should own your own home rather than rent. The obvious reasons include pride of ownership, building your own equity instead of someone else’s, no more landlords, and of course the tax benefits you reap. There are a multitude of other reasons why owning your own home can make your life better.

When considering buying your own home, you need to answer some pertinent questions:

How much can I afford to pay in terms of monthly mortgage?
Will paying utilities such as gas, phone and electric fit within my budget?
How much will closing costs be, considering fees, points paid, etc?
Do I have enough money for a down payment, and other expenses, such as new furniture?

If you determine that you can safely handle these extra expenses, then you’re almost there. Careful planning and crunching numbers should give you an idea of whether or not you can afford to own your own home.
Owning a home is a big decision for anyone. Once you are into your dream home, you have to plan on staying for a certain number of years to realize any profit from selling. Do not buy a home that will end up hating. Do your homework and make the right decision for you and your family!
If you are ready to make the first move in becoming a home owner and would like to speak with someone who has a proven track record of success, call Vision Investment Corporation Today! Let us handle all of your real estate needs. Call 1.877.799.0820 now to schedule a free appointment with a Vision Investment Corporation representative.