Identity theft is one of the most common crimes in the United States. However, there are steps you can take to prevent a thief from stealing your identity and wreaking havoc to your credit.

I’ve enclosed information to help you protect yourself and reduce a thief’s ability to steal your information. Page one outlines several easy ways to keep your information secure online and at home. Page two provides a list of action steps to take if you suspect that your identity has been stolen. Click on this link to see the information:

Protect your Identity!

Since identity theft can happen to anyone at any time, protect your family and friends by sharing this information with them.
For some additional information on how to protect your identity click on this link:

Helpful Tips

You can also search for property from this site, which you are welcome to do.
Also if you’d like to stay in touch please friend me on Facebook!

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

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!

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

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.

Hi All!

I though it would be fun to follow along and see the progress of our latest investment. Here are the initial photos of the place.

After the concrete pour, we have finished plumbing, electrical all windows are in and concrete has been poured. The patio has been framed (mostly) and the interior walls have mostly been removed. My wonderful contractor thinks we are only 3 weeks away!

Hernandez and Crew Construction! Contact Tony at 619-818-1458 for a quote for your jub! Let him know Frank sent you!

Here is what it is looking like today!

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

Summer is obviously on the horizon. That means hotter temperatures, sunscreen and family vacations. The annual summer vacation doesn’t have to break the bank; whether you rely on a travel agent or the Internet to make your travel plans, it’s easy to save money on airfare, hotels and more.

The information I’m including you this month is intended to help you save a few dollars on your travel plans. From social couponing websites, such as Groupon and LivingSocial, to discount travel websites to AAA and Costco, there have never been more ways to save money on your summer travel plans. Since you just have to get away at the last minute sometimes, page two offers tips to save money on last-minute travel. Feel free to share this great information with your family or friends. You can download the pdf here:

How to save money on your vacation

For you on-line readers, here is also a pdf on how to save money on flights:

Saving Money on Flights

Summer is also our traditional buying (and selling) season. If you know a friend or colleague who has a real estate need, or just advice, please let me know. Also please call me if you would like a market analysis of your home or more information about our local real estate market.

Hello and Happy Valentines Month.

Did you know that taxpayers spend over 3.5 billion hours each year preparing for and completing their tax forms?^* Given that the instructions for the forms seem to increase each year, this number is likely to increase. Even if you’re among the 3-in-5 Americans who pays a professional to complete their tax forms, there are ways to streamline the process and make it as painless as possible.^*

This month, I’m sending timely information designed to help you prepare for tax time. Page one offers tips to help you become organized, including things to keep in mind if you bought a home, got married or donated to a charity in 2011. Page two provides an overview of three of the most popular tax preparation software programs on the market. Feel free to share this pertinent information with your family or friends. You can download that pdf here:

Tax time

As a bonus for my on-line readers here is report showing some of the major benefits of home ownership:

Benefits of Home Ownership!

Please call me if you would like a referral to a tax preparer in our local area.

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.

* Source: President’s Advisory Panel on Federal Tax Reform

Hello and Happy New Year!

The feeling from the front lines of Real Estate is that the worst is behind us and 2012 is our ‘turn-around’ year! It is a GREAT time to be buying property now, whether for investment or to live!

Over 35% of American cell phone owners have a smart phone.* While the majority of smart phone owners use the device to access the Internet daily, one-in-four conduct most of their online activities on the device, which is expected to grow in the coming years.

Technology is being developed every day that allows us to carry our favorite photos, books, songs, videos and business and personal documents; organize our lives, and connect with loved ones and colleagues from a gadget that fits in the palms of our hands. This month, I’m sharing information about the latest smart phones, tablets and e-readers that are designed to entertain, streamline productivity and boost connectivity anywhere in the world. Feel free to share this useful information with your family or friends.

Top Devices for 2012

What to do with your old electronic device when you buy one of these new ones? Here is a brief overview for you to help protect the environment and future generations:

How to dispose of electronics

Changes for 2012 in my company are bold and I invite you to review those goals here:

Changes for 2012

Please let me know how I can help you achieve your goals.

Call me anytime and please don’t forget, I am never too busy for your referrals!

*Source: Wall Street Journal, July 11, 2011