MAKE YOUR MONEY WORK FOR YOU

“Winning at money is 80 percent behavior and 20 percent head knowledge.” 

– Dave Ramsey

Would you like to become wealthier and leave a financial legacy? Although there’s no proven way to get rich quick, there are three timeless principles you can follow to begin to build your fortune over time.

This month’s information outlines principles of wealth from a book displayed on every entrepreneur’s shelf: The Richest Man in Babylon by George S. Clason. This book offers practical advice to develop smart money habits. Also listed are some helpful books and podcasts to complement your financial journey.

Want a reputable financial pro to help keep you on track? Give me a call – I have a great referral!

(Click on image to enlarge)

NEW TAX LAW AT A GLANCE

Happy tax season! There is so much to think about as we dive into the 2018 returns. Last year’s Tax Cuts and Jobs Act (TCJA) introduced many new changes to the tax code. If your head starts to spin at the mention of the word taxes, take a deep breath – the enclosed piece will help make things clearer.

Here you’ll find a guide that breaks down the biggest changes to the tax code to help you figure out which ones might affect your 2018 returns. I’ve also got all the major deadlines listed so you won’t miss a beat.

If you’re considering hiring a tax pro to help make sense of it all, call me! I have a great referral and I can connect you.

(Click on image to enlarge)

SHOULD YOU BUY OR SELL IN 2019?

Happy New Year! Whether you’re thinking of buying, selling or are just curious about your home’s value, you may be wondering: What’s in store for the housing market in 2019?

Experts forecast their predictions based on past and current trends in the market. The information I’m sending this month outlines what to expect this year. Will the healthy national housing market continue or will an increase in interest rates throw a wrench in the works? Will houses continue to fly off the market? How will the new tax code impact housing? The piece addresses these questions and more.

Regardless of the state of the market, the best time to buy or sell a home is when you’re ready to do so. If you’re considering it, give me a call! Even if you’re not in the market now, give me a call for a free comparative market analysis to find out how much your home is worth.

(Click on image to enlarge)

THANK YOU

Thanksgiving is nearly here. In keeping with the spirit of the season, I’d like to say thank you for your business and referrals. Your continued trust in me drives my business.

Thanksgiving is the ideal time to think about what we’re most grateful for; however, our gratitude doesn’t stop there. The information for this month offers tips to improve every day, from keeping a gratitude journal to simply focusing on what you have.

It is an ongoing pleasure to serve you and I look forward to helping you meet your real estate needs in the future. Not thinking of buying or selling anytime soon? Take a look at page two to learn more about the other services I provide.

(Click on image to enlarge)

GET MORE ROI FROM YOUR KITCHEN RENOVATION

The kitchen is the hub of the home; the place where we gather to cook, eat and connect with our family and friends. Homeowners renovate their kitchens for many reasons—to update it before listing, to improve storage and functionality or just for a fresh look.

The information for this month includes tips and strategies to guide you through your kitchen renovation. Page one provides an overview of emerging kitchen trends and suggestions to make a small kitchen appear more spacious. Page two outlines things to consider before embarking on your renovation and offers the average costs involved in major and minor kitchen renovations.

Thinking of remodeling your kitchen? Give me a call and I’ll connect you with a reputable tradesperson in my network. If you’re thinking of selling your home soon, I can suggest the updates buyers are looking for to ensure it stands out in our market.

(Click on image to enlarge)

STAY ORGANIZED AND CLUTTER-FREE

“In character, in manner, in style, in all things, the supreme excellence is simplicity.”

-Henry Wadsworth Longfellow

Decluttering is not just something to do when you’re ready to move; it’s a process that will help you create more space and get organized. In short, you’ll simplify your life.

This month’s information intends to help you take control of your stuff, eliminate what you don’t need or use and appreciate the items you use and enjoy. While page one outlines the five‐ bin approach to clearing the clutter, page two offers useful tips to help you organize each room of your home. It also offers suggestions to help you sort through items that carry sentimental value.

When you reclaim your spaces from clutter, you may find you have more room than before. However, if you’re thinking of upgrading to a larger home, give me a call. I’m happy to help you find a home that meets your needs.

(Click on image to enlarge)

HOW DO YOU SECURE YOUR INFORMATION FOLLOWING THEFT?

As more people rely on the internet to shop, bank, file taxes and more, thieves are finding more ways to steal personal information. While many people take the necessary precautions to keep their details safe, thieves may still be able to attain personal information by hacking into the systems of larger businesses. How can you make sure you’re secure and what steps can you take if your information is stolen?

This month, I’m digging deeper into the topic of identity theft, specifically discussing the rise of data breaches. Sometimes, despite your best efforts to protect your identity, you may still be compromised—as the 143 million people impacted by the Equifax data breach learned. Page one outlines what to do if you learn you’re the victim of a data breach, from monitoring your credit reports and accounts to placing fraud alerts and freezes on your credit file to prevent thieves from using what was stolen. Page two outlines the specific steps to take if your banking and credit card information or driver’s license information has been stolen.

Although the thought of a thief having access to your online identity is frightening, this piece is intended to empower you to take control should you ever find yourself in the position where your information has been compromised.

(Click on image to enlarge)

Our tech gadgets have made paying bills, managing finances and online purchasing easier but increases the chance that a thief may steal our information without our knowledge.

THE HOLIDAYS ARE NEARLY HERE…

It’s almost time to celebrate the spirit of the season with parties and get-togethers to reconnect with our families and friends, especially those who live far away.

The information for this month will help you throw the perfect holiday party without breaking the bank. You’ll find several tips to help make the planning process fun, stress-free and budget friendly, from prioritizing where you’d like to spend most of your dollars to ordering food and coordinating entertainment your guests will love. Whether you’ve been planning your holiday party for months or you’ve just decided to throw one, you’ll find this information valuable.

I want to take a minute to thank you for your business. Your business and referrals drive my business and make it successful. Happy Thanksgiving to you and your family.

(Click on image to enlarge)

THE BUYING PROCESS

Thinking of buying a home? Here’s what you need to know.

If you’re a first-time buyer or if it’s been a few years since you’ve purchased a home, you may wonder what to expect during the homebuying process.

The information we have this month will give you the scoop on what to expect at every major step of the way, from home search to closing. The piece is intended to help you understand the process, think about what you want in a home, prepare for financing and answer some of the questions you may have. While every transaction is different, the steps outlined are typical in most transactions.

If you or someone you know is ready to buy, give us a call! We’ll be happy to walk you through the process and help you find the right home for your needs.

(Click on image to enlarge)

HOME SELLING 101

For many people, especially first-time sellers, the selling process may seem intimidating because they’re not sure what to expect. A sure way to ease any anxiety you may feel is to learn more about the process.

This month’s information provides an outline of what to expect during the selling process. From getting your home ready for its market debut to handling offers and the closing process, this piece helps you understand what may happen and offers tips to get your home ready. While the specifics of your sale may be different, the steps listed consistently occur in the majority of transactions.

When you’re ready to list your home, we’ll be there every step of the way to explain the process. Give us a call today to get the scoop on the selling process!

(Click on image to enlarge)