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.

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

Road Trip!!

Gas prices have reached record levels over the past few years, impacting everything from your daily commute to your vacation travel choices. However, there are simple, common sense things you can do to improve your fuel efficiency and keep your money where it belongs—in your wallet. Besides buying a Hybrid or Electric car!

This month I’m sending along helpful tips to help you lessen the impact of increasing gas prices on your finances. While page one outlines six easy ways to improve your fuel efficiency, page two provides a worksheet to see how much your vehicle is costing you per mile.

You can Download that information here: Save Money on Gas

Only for readers of this blog is additional information on how to save money on a road trip.

Get that information here: Save Money on a Road Trip!

Elsewhere on this blog is information on a listing I just took in Point Loma. It’s a great deal; please tell your friends and colleagues!

If you have any questions or would like more information, feel free to call me.

Of course, please share this helpful information with family or friends to help them save money as well.

And as mentioned in the video and ONLY for my blog readers, here is the free drink from AM/PM. A free 22 oz soda or 20 oz coffee.

Print and take this to the store…mention my name!!

Enjoy!

AM PM Coupon

Don’t forget, I’m never too busy for your referrals and I am especially looking for listings right now. If you know someone, please refer them to me!

Thanks!

You can Run but you can’t hide…from technology!

If you have a smart phone or tablet, it may be difficult to remember what life was like before you were able to access the Internet from anywhere. In fact, nearly one-quarter of smart phone owners access the Internet via their phone instead of a desktop or laptop computer, a number that is sure to grow in the coming years.

This month’s information delves into the influence that mobile computing has had on our daily lives. Page one provides an overview of the impacts that mobile computing has on shopping, work and learning. Still not convinced that mobile technology is here to stay? Page two offers current statistics on smart phone and tablet ownership and usage in America.

You can download this pdf from this secure link: Mobile Device Details

Here is also some bonus material on how to protect yourselves especially from your mobile devices.Protect Your Mobile Devices

Also as mentioned in the video, here is the special coupon deal:

COUPON FOR BERTA”S!!

Please remember to refer me to any friends or colleagues who may need advice on their real estate needs.

Hello,

It’s that time of year again, when we begin to think about the future and what we’d like to accomplish in the New Year. Clearly defined goals are vital to creating the life that you imagine.

Setting goals can be an intimidating process for many. However, the information I’m sending you this month explains how to create feasible and measurable goals that will drive you forward and help you achieve your dreams. While the first page explains how to set SMART goals through visualization, page two offers suggestions to help you overcome the common obstacles to achieving your goals:
Goal Setting

As an extra gift to you this holiday season I am also including this piece on home ownership :

Own your own home

Have a wonderful holiday season and don’t forget I’m never too busy for your referrals.

Feel free to share this useful information with your family or friends

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.

Download the flyer I mentioned in the video here.

If you’re like millions of Americans, you dream of the day when you will be debt free. The
economic recession has prompted many families to restrict spending in order to
take control of their finances, pay down outstanding debt and make saving a
priority. In fact, the average household debt has fallen over 8.2% since its
peak in 2008.* For many people, eliminating household debt feels unattainable;
however, with the right tools, anyone can take control of their spending and
begin to build wealth.

This month, I’m sending tips to help you break the cycle of debt and achieve financial freedom.

Please click here to see page one and two of the article: How to Achieve Financial Freedom!

The first page outlines steps you can take to create a budget and save money.

Page two details a plan to eliminate debt from credit cards and loans in a fraction of the time
it would traditionally take. Feel free to share this information with your
family or friends who are looking to get out of debt and improve their
financial security.

As a special bonus to my blog readers I am also including an article on how to pay off your mortgage early:

Pay off your mortgage early!

If you have any questions or would like more information, feel free to call me.

Please don’t forget: If you know someone who needs help with any aspect of real estate, I am never too busy for your referrals!

Commencing January 1, 2012, the small claims court jurisdiction will generally increase from $7,500
to $10,000 for an action brought by a natural person.  For a claim of
bodily injury from a car accident, the increase to $10,000 will not occur until
2015.  The dollar limit in small claims court for an action brought by a
corporation or other entity will remain at $5,000.  Senate Bill 221.