Do You Know Your Number?

Spring is here! (Did it ever leave us in San Diego?)

Your credit score can mean the difference between securing a historic low interest rate on a loan and being stuck in a higher tier. Great credit scores are the result of one thing—a stellar credit history.

More than 18% of consumers have near perfect FICO scores (800-850).* While it may seem difficult to reach this level, especially for the 15% of consumers in the lowest FICO range (300-549), it’s not impossible. The information I’m sending this month details the steps to take to begin improving your credit now. Page one gives the facts about credit, including the information that comprises your credit score. Page two offers three tips that will help you to improve your credit.

You can access that information in a pdf by clicking this link:

Facts About Your Credit

Please see below for more information on how to improve your credit score.

How To Improve Your Credit!

Share this information with family and friends who wish to improve or protect their credit.

Please don’t forget, I am never busy for your referrals! It’s a real seller’s market out there! This is a great time to sell!

Are you a chocoholic?

Happy Valentines Day!!

If you’re like most Americans you have a sweet tooth for chocolate. But did you know that our favorite sweet treat began in Mexico and Central America as a bitter drink that symbolized life and fertility?

To celebrate Valentine’s Day, a holiday synonymous with chocolate, I’m sending along some fun facts about it. The first page provides a brief history of chocolate, from its beginnings as “bitter water” through its evolution as a delicious treat enjoyed by all. Page two describes the health benefits of chocolate.

You can read the information here:

Chocolate Information

Also as an added bonus please see this info for more facts about Chocolate…Yum!

Chocofacts!

Share this information with your chocolate-loving family and friends.

Sincerely,

Frank

Oh, by the way®… if you know of someone who would appreciate the level of service I provide, please call me with their name and business number.  I’ll be happy to follow up and take great care of them.

 

DRE License #:976344

What Will 2013 Hold for the Housing Market?

Many people are curious about what the housing market will look like in 2013. Since housing is seen as a leading indicator of economic recovery, even people who aren’t looking to enter the market are anxious to see if this will be the year that the market fully recovers.

This month, I’m including information to help you understand the status of both the national and local housing markets. The first page offers predictions and projections for the national housing market this year. Page two provides three reasons why it’s important to pay attention to what’s going on in your local market. Although the national market can give you an idea of the overall state of housing, only the local market directly impacts you and your home.

To see the full report please click on this link:

2013 Real Estate Information

Many buyers and those wanting to refinance are curious about the Mortgage industry. I have included a little more information on that industry here:

Mortgage Information

If you want to learn more about the local market, or are thinking of buying or selling your home, contact me for more information.

And of course: … if you know of someone who would appreciate the level of service I provide, please call me with their name and business number.  I’ll be happy to follow up and take great care of them.

Have a GREAT 2013!!!

“Let gratitude be the pillow upon which you kneel to say your nightly prayer.” -Maya Angelou

Thanksgiving is a time to reflect and express gratitude to those who have impacted our lives. Your support as an advocate for my business has been vital to my success as a real estate professional. I am truly grateful to have the opportunity to serve you. Being your trusted real estate professional is an honor and a privilege and I hope to strengthen our relationship and take care of your home- and community-related needs in the future.

What are you grateful for in your life? Follow the tips outlined in this month’s information to help you cultivate an attitude of gratitude and express thanks to those who are important to you and your success.

You can see the details on this months Item of Value here:

Be Grateful

Also this month for my on-line visitors here are some ways to give back!:

Ideas to Give Back

Also if you journal, here is an outline which you can print multiple copies of, as needed, place into a binder and use to create a “Journal of Thanks”. This is my nightly prayer: “What was good about today? What am I grateful for? What made me smile or feel happy?” Write these down and read them whenever you are feeling stressed out or down!

Today I give thanks for:

Once again, THANK YOU!!

Oh, by the way … if you know of someone who would appreciate the level of service I provide, please call me with their name and business number. I’ll be happy to follow up and take great care of them.

Stay Illness-free This Winter

Although it’s only October, it’s time to prepare for cold and flu season.  No one likes to be ill; however, there are steps that you can take to keep yourself and your family healthy when the weather cools.

The information I’m sending this month includes good habits to prevent you from catching a cold or the flu, or at least shortening the duration of your illness. Page one outlines several tips to build your immunity and keep germs and viruses at bay. Since you and your loved ones will be spending more time indoors this winter, page two provides tips to improve your indoor air quality.

Download the Item of Value here:

Keep Healty this Winter!

Bolster your immune system and stay healthy this cold and flu season. Keep your family and friends healthy, too, and share this information with them.

As a bonus for my on-line followers, please download the information below on how to minimize allergies!

Minimize Allergies!!

For the Facebook page of the pharmacy mentioned in the video click here:

http://www.facebook.com/?ref=tn_tnmn#!/pages/Point-Loma-Cabrillo-Drug/249070315122589

Oh, by the way … if you know of someone who would appreciate the level of service I provide, please call me with their name and business number.  I’ll be happy to follow up and take great care of them.

“If you would be wealthy, think of saving as well as getting.” (Benjamin Franklin)

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Although money is easy to spend, it’s often difficult to save. However, it’s never too late to develop the habits necessary to begin building a strong financial foundation for a more secure future.

The information I’m sending this month is intended to encourage you or a loved one to begin building wealth. Page one provides seven essential strategies to help you improve your financial habits and take charge of your finances. Page two outlines the five common situations where having an emergency fund to draw from is necessary to prevent debt and financial ruin.

You can read and review the document by clicking here:

Financial Advice!

Even if you’re an expert saver, this information will provide the added incentive to save. Share it with family and friends who may need extra help or guidance with this important topic.

As a bonus for my on-line followers, please see this document for “Four Ways to Increase your Income”

Make Extra Money!

And here is the free Dave Ramsey Class!

Ramsey Free Class

Oh, by the way … if you know of someone who would appreciate the level of service I provide, please call me with their name and business number.  I’ll be happy to follow up and take great care of them.

Sincerely,

Frank

Rockford Remodel Update as at August 13th!`

Well it seems to be getting worse before it gets better. There is a large barrier at the location where the bi-fold door is going so it looks strange. But the kitchen is in and this week we get Bathrooms installed, Stucco color coated, light fixtures installed granite in flooring installed and so by next week we should be almost ready to move. Watch this space!