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!

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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.

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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.

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ACHIEVE YOUR FINANCIAL GOALS IN THE COMING YEAR

The New Year is less than a month away; however, the best time to set goals for 2019 is now. If you’re like many people, you may wish to create goals pertaining to your finances, whether you wish to keep more of what you earn or achieve financial freedom once and for all.

The excitement of the New Year prompts us to set ambitious goals; however, a month or two into the year, our goals have often long been forgotten. This month’s information is intended to encourage you to set realistic financial goals that you’re invested in achieving.  From identifying what you truly want to setting SMART goals and creating a reasonable action plan, these tips will help you end 2019 even more financially fit than you are now.

A financial professional can provide you with the advice you need to create sound financial goals and establish your legacy. If you’d like a referral to a reputable financial professional in our area, give me a call! Have a happy and healthy holiday season!

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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.

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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.

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HOW TO RETIRE WELL

How much money will you need to retire?

Are you ready to retire? Whether you plan to retire in the next few years or in a few decades, saving for retirement is likely a top priority. After all, many of us wish to maintain our lifestyles after we’ve stopped working.

This month’s information helps you figure out how much you may need to maintain your lifestyle in retirement. Although experts typically suggest saving up to 12 times your current income, the amount you’d like to save may be more or less, depending on the factors outlined on page one. For many people, the immediate demands of life and family prevent them from saving as much as they’d like. If that sounds like you, page two offers strategies to help get your retirement savings back on track.

Whether you’d like to save more for retirement or build funds for a down payment on a home, give me a call! I’ll connect you with a reputable financial professional in my network.

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BENEFITS OF REDUCED DEBT

Interested in reducing debt? You’re not alone.

According to recent studies, reducing debt is a goal for many Americans, regardless of how much they owe. Paying down debt not only makes good financial sense; it can have a wider impact as well.

The information this month outlines seven reasons to reduce debt. The reasons range from the reduction of your monthly expenses and improving your long-term financial security to minimizing stress and modeling good financial habits for children and others seeking debt-free lives. If you’re already debt-free, the piece will reinforce the tremendous benefits of maintaining your lifestyle. If you’d like to reach zero debt, page two provides several tips to help you on your journey toward your goal.

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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.

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THINKING OF RENOVATING?

Although many homeowners take on small renovation projects themselves, they often hire contractors to work on larger projects, including kitchen or bathroom overhauls and home additions. Regardless of the project, finding the right person for the job can be a challenge.

This month’s includes tips to help you hire the right contractor for your next home renovation project. In addition to offering tips intended to help you narrow down your list of contractors, the piece also provides several questions to ask the contractors you’re considering as well as the crucial details that should be included on the agreement with your selected contractor. Although the piece focuses on hiring a contractor, the tips provide a basic outline of things to consider if you’re hiring any type of building professional or tradesperson for a home project.

If you’re considering a home renovation, give me a call. I can refer you to reputable contractors and tradespeople in our local area or advise you on renovations that may increase your home’s value.

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