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About Edward Rowles
Ed has been a New Castle County resident for over 30 years. He is a 1965 graduate of the Pennsylvania State University where he earned a Bachelor of Science degree in Electrical Engineering. After earning a Masters Degree in Business Administration from the University of Pittsburgh, Ed moved to Delaware in 1976 and worked in the Dupont company's Medical Products Department. In 1995, Ed founded his own company, Rowles Electronic Services, Inc., to service consumer electronic products for individuals and businesses.
While with the Dupont Company, Ed held several technical and administrative positions, including supervisory positions in Manufacturing Engineering and Quality Assurance, Supplier Relations and Purchasing assignments. In these assignments, Ed received extensive training and experience in interpersonal skills, negotiating, contract management and customer focus. During his time in Delaware, Ed has been active in purchasing real estate for both personal use and as investment properties. As a Coldwell Banker Preferred REALTORs sales associate, Ed now focuses his background in negotiating and facilitating contracts in the real estate profession. A husband and father of two daughters, Ed understands the importance of matching the right home to a family's individual needs and lifestyle.
When not busy with real estate, Ed enjoys golf, reading, computers and watching his daughters play volleyball, basketball and lacrosse for their school teams. Ed, and his wife Cindy, are also the owners of the Goddard School in Newark, Delaware, a developmentally based preschool, and they participate in local church activities.
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Real Estate Glossary Terms
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Savings And Loan Association
Financial institution that channels the savings of its depositors mostly into mortgage and home improvement loans. It concentrates on originating , servicing, and holding mortgage loans. Traditionally, they have been the largest supplier of single-family owner-occupied residential permanent financin ...
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Exclusions
Provision in an insurance policy that indicates what is denied coverage. For example, common exclusions are: hazards deemed so catastrophic in nature that they are uninsurable, such as war; wear and tear, since they are expected through the use of a product; property covered by other insurance, in o ...
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Net Investment Income
Total of interest, dividends, and other earnings derived from the insurance company's invested assets minus the expenses associated with these investments. Excluded from this income are capital gains or losses as the result of the sale of assets, as well as any unrealized capital gains or losses. ...
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Normal Retirement Age
Earliest age at which an employee can retire without a penalty reduction in pension benefits after having reached a minimum age and served a minimum number of years with an employer. Historically, this has been 65 years, but many private pension plans now envision earlier or later normal retirement ...
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Opportunity Cost
Value of a foregone opportunity, one rejected in favor of a presumably better opportunity. For example, investment of a sum into a mutual fund instead of a variable annuity with a comparable equities portfolio, thereby foregoing the tax deferred advantages of the investment build-up under the variab ...
Real Estate Advice
Homebuyer Tips
Living In Tucson Pros And Cons
If you want to experience the authentic feel of the Southwest then Tucson, AZ is the city for you. Located a mere hour away from the Mexican border, this metropolis has ranches and cattle drives to remind you of the beauty of the Old West, while resort hotels, restaurants and healing spas are setting new trends in the Tucson way of life. The people who live here seem to ...
Homebuyer Tips
Timeshare Units - Owning A Property Part-time Or Full Time
Timeshares have been a huge success in the US for a few decades, starting in 1965, when the first hotel-condominium was built in Hawaii. How did timeshares come into being? Well, real estate developers who wanted to speed up the sale of their condos invented partial ownership and thought of selling the right to live in their apartments for one week every year. The ...
Homebuyer Tips
Waterfront Properties For Sale In Pasadena, MD
There are many places where you can find the most amazing waterfront properties in the U.S. but let’s take a look at the options available in Maryland. Between the Patapsco and Magothy Rivers, you will find the small town of Pasadena, MD with its many estuaries that offer countless possibilities for properties down by the river, but not only. Looking for ...
Homebuyer Tips
When people start talking about Florida they mostly focus on Orlando, Miami, maybe Naples or The Villages if they are focused on places to retire, but most overlook Cape Coral, FL. There are many reasons why people do this as it isn’t a major city in Florida, but far more reasons why they shouldn’t. Located in Southwestern Florida, the city of Cape Coral, ...
Homebuyer Tips
Living In Charlotte, NC Pros And Cons
The most populous city of North Carolina, Charlotte is also the county seat for the county of Mecklenburg. The city is considered to be a relatively new city that is still developing as many of the people living in Charlotte, NC aren’t sure if that’s a pro or a con. Its population is still growing having surpassed 873,000 residents as of 2018 which is also ...
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