About cstevensphx

International business expert specializing in business process and support functions, contact centers, information systems and management consulting. Over 25 years experience developing managed service solutions using technology and business process services as critical elements in solving business needs on six continents including North America, SE Asia, China, India, The Philippines, Europe, Latin America, EMEA, and Australia. Focuses on maximizing profitability, decreasing risk, reducing time and expense for project launches as well as creating/running direct and channel based sales, marketing, support and infrastructure required to drive profitable business ventures. Core beliefs are hope is not a strategy, a failure to plan and communicate is a plan to fail, having a “can do” attitude and willing to take on any challenge. Detailed industry expertise and insight on programs such as market entry, market growth, localization of global offerings, streamlining operations and value-add initiatives, This experience is for both core and supportive business elements to maximize potential in local and international markets. Experienced in on-shore, near-shore, and off-shore services and the primary issues associated with outsourcing, managed service and staff augmentation structures. Graduate of Bentley University with a Bachelor of Science in Computer Information Systems and an Associate of Science in Management hence a Double Falcon Society member. Actively involved on several boards at Arizona State University and other organizations.


It ain’ t over ’till it’s over – Yogi Berra

His life on earth may be over, but he will be remembered and loved forever…RIP Yogi


Phoenix ranks No. 8 among big cities for affordable homes


Metro Phoenix’s calling card to new residents has long been its affordable home prices.

Valley home prices are steadily climbing, but the region’s houses are still bargains compared to much of California, Seattle, Denver, Chicago and even Las Vegas.

Metro Phoenix is the eighth most affordable big U.S. city to buy a house now, according to a new ranking from a reputable financial research firm.

Cleveland, Pittsburgh, Cincinnati, St. Louis, Detroit, Atlanta and Tampa are the only cities (in that order) to rank above Phoenix for the ease of someone making the area’s average salary being able to afford an average-priced house.

In metro Phoenix, a homebuyer needs to earn at least $43,100 to be able to buy one of the region’s median-priced houses for $217,900, according to HSH.com.

Since the Valley’s household income is hovering around $50,000, it would appear more than half the area’s residents, families or households could afford to buy instead of rent.

Down payments are one of the biggest hurdles for many homebuyers now, particularly first timers. Tougher lending standards imposed by banks after the housing crash have made 20 percent down payments the new norm for many homebuyers.

But first-time buyers do have a few more options in the Valley, particularly as the federal government and local groups have stepped up to help this group that had little to nothing to do with the bad loans that caused the housing crash.

President Barack Obama announced in Phoenix early this year that the insurance premium on Federal Housing Administration-back mortgages, used mostly by first-time buyers, would be cut in half. Also, several programs allow buyers to put as little as 3 percent down on these government loans.

The Arizona Housing Department has a program that gives eligible buyers $5,000 or more in down payment help on FHA loans that require less money upfront.

Finding a house priced below $220,000 in a good area that at least five other buyers haven’t already made an offer can be tougher.

Originally written by Catherine Reagor The Republic | azcentral.com September 3, 2015