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Our Client Appreciation Program Newsletter

Every month we send out a newletter to our best clients and friends ... each one of them provides information about a different, carefully chosen topic that is are always relevant and contain valuable information that can be used by everyone. We mail out the newsletters on a monthly basis to our clients and friends ... some by postal mail and some by e-mail (depending upon their preferences). You can be added to the mailing list if you Contact Us for any information about real estate in our market area or elsewhere.

Below are the Newsletters for the past twelve months (and sometimes even longer based on their relevance) ... in most instances, there is a companion piece to the main article. You can also look at all of the newsletters on a specific topic:

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August 2019

How many times have you found yourself wishing for a few extra hours in the day?  Sometimes it feels like there just isn’t enough time to get it all done.  When this happens, our health is typically the first thing to take a back seat -- then several others often follow suit.  During this busy season, work picks back up, the kids head back to school and the activities get into full swing.  To help you stay healthy and productive, We are providing a few strategies to cut time in the kitchen, save money and eat nutritiously.  It also includes a few tips on how to maximize that extra time you’ll receive when you weave these time-saving hacks into your daily routine.  

It's easy to say you want to meal prep, but it's tough to actually get started.  Here's all you need to know to cook your weekly meals in advance to save time and money and eat more nutrictious foow.  We have a guide for meal prepping, which is a time-saving tactic that can be difficult to fold into the routine at first.  With these tips, I hope you will find more productivity and an increased sense of accomplishment in your day-to-day. If you want to share your successes with us, we are always just a phone call or e-mail away!

July 2019

Whether you want to visit the Great Wall of China or start your own business, chances are you have got a dream in your life that you’d like to turn into a reality.  The hard part is figuring out how to make that happen!  With a little inspiration and some direction, it is possible to translate your dreams into achievable goals.  This month, we are sharing a road map to help you begin your journey.  You’ll find a few tips on how to turn your dreams into solid goals.  There are also guidelines to help you craft your bucket list … and a few words on why a bucket list shouldn’t just be created toward the end of your life.

One way of accomplishing your goals is by creating a vision board … it can be one of the most important steps on that journey.  Our information will walk you through how to do it.  Whether you are dreaming of homeownership or a family vacation to Europe, we believe that this can help you visualize those dreams as you translate them to goals and then reality.  It is our hope that this information will leave you hopeful and inspired.  Best of luck turning your dreams into goals, and goals into results! 

June 2019 Are you visiting somewhere fun this summer?  If your travel plans are taking you up in the air, make the trip more enjoyable by reducing the stress of your airport experience.  Before you embark on your big vacation, be sure to read the information we are sharing this month.  We will help you Travel Like a Pro This Summer.  You will find travel hacks that include some packing tips, a few apps to help track flight prices, ways to streamline your security experience and more.  Whether you’re a frequent flyer or taking your annual family vacation, I hope these tips will help you spend less time stressing about the journey and more time enjoying your destination.

If you are traveling to a foreign country, we also have information that will help you Travel Less Like a Tourist and More Like a Local.  This information could help you have a more authentic experience and a deeper appreciation for the culture in your destination.  Bon voyage! 

May 2019 How to Clean Your Home This Summer Naturally -- Consider swapping out harsh chemical cleaners for these natural alternatives as your summer cleaning gets into full swing.   This information gives you some natural, homemade alternatives for all-purpose cleaner, wood polisher, carpet cleaner, glass cleaner and toilet cleaner.  It’s a quick helpful bit of information that we are providing to help keep your health and wellness in mind.  We would love to hear about your results if you try any of these alternatives, and would like for you to Contact Us with any input you have so that we can pass the information on to others.

May 2019 Get Your Home Ready for Summer -- Spring into action and complete maintenance work this spring, so once summer arrives, you can sit back, relax and enjoy a hot dog on the grill at your perfect barbecue.  Use this checklist to give your home a smooth transition with the change in seasons.  It doesn't matter whether you own or rent your current home ... we want you to be able to enjoy it during the summer season!  Once your home is fershened up, it's time to think of ways you can flaunt it!  Reference our guide as you plan your barbecue, bonfire or backyard party in the months ahead.

April 2019 Why Homeowners Are Actually Saving Money -- A mortgage may seem daunting at first, but it actually saves you money in the long run.  Committing to a mortgage payment is often cheaper than committing to monthly rent in most places.  We're providing information that will help you determine whether or not you would be better off owning a home and paying a monthly mortgage or renting and paying off someone else's mortgage.  If you have any quesitons about your specific situation and needs, feel free to Contact Us today.  We can arrange a referral for you, for your family or for your friends to one of the great lenders with whom we work so that we can help you review your options. 

April 2019 Getting the Mortgage Monkey Off Your Back -- Only 34% of Americans own their homes free and clear.  All other homeowners have a mortgage that they are chipping away at.  Some experts believe that the interest paid on home mortgages is "good" interest because it is deductible for tax purposes.  However, it may be an advantage to pay off your home mortgage early, so if you are one of those people you may want to consider paying it off early.  We're providing seven strategies to help you do just that!  These tips could also help you pay off other forms of debt more quickly, too ... and that could improve your credit score and help you increase your wealth.

March 2019 Make Your Money Work For You -- Once you have an automatic savings mechanism set up, what should you do next?  You may want to consider creating passive income to grow your money.  Investing is a major part of building wealth ,but it can be intimidating to start.  We are providing some information to keep in mind as you start your investment journey.  If you don't have someone to help you with your financial strategy, feel free to Contact Us so that we can arrange a referral for you, for your family or for your friends to one of the great financial advisers with whom we work.

March 2019 How to Build Wealth the Smart Way -- Make the right moves when it comes to managing your money.  Many entrepreneurs keep a copy of "The Richest Man in Babylon" by George S. Clason on their bookshelves.  In this classic, Clason offers timeless financial advice through several parables.  You can read this piece to see some of those valuable lessons.  We recommend that you get a copy of the book ... it is an easy read!

February 2019 The Truth About Auditing -- Did you ever wonder who gets audited and how you can avoid it?  The information that we are providing this month indicates that the IRS auditing process is totally random and that a statistical formula compares your tax return to those considered normal in your similar tax situation.  We're also providing some tips of things to watch out for when you're doing your taxes.

February 2019 The New Tax Law at a Glance -- Here are a few major changes to the Federal tax code that may affect your 2018 income tax returns.  We are providing this information as a service ONLY ... we are NOT tax preparers, tax accounts or tax attorneys, so if you have specific questions about how your taxes may be affected, you should contact a trusted source.  If you dont' know a good tax professional, Contact Us so that we can provide you with a few people you can speak with about your situation.

January 2019 Contact Me for All of Your Real Estate Needs! -- Whether you have questions about our local real estate market, are thinking of buying or selling or would like a referral to a service or trades professional in our area, we can help.  Through our Nationwide Agent Referral Network, we can connect you with qualified and well-trained real estate agents all over the County and Canada.  We also have contacts in most service and trades who can help you with anything you need.  Contact Us so that we can arrange a referral for you, for your family or for your friends.

January 2019 The U.S. Housing Market Outlook ... The National Market As We Begin 2019 -- Although it's impossible to predict the future, current trends and statistics create a picture of the market's health.  This information covers the entire United States as a whole.  Obviously, each State and even every Countyor City or Neighborhood could be different due to the local dynamics.  If you want to find out exactly what's going on in your neighborhood, be sure to Contact Us so that we can provide you with a FREE market analysis for your home or specific information about your neighborhood.  We have our fingers on the pulse of our real estate market!

December 2018 Wealth-Building Financial Goals for Every Stage of Life -- The financial goals you set in your 20's will be different from the goals you set in your 50's.  This information suggests financial goals to set in each decade of life from your 20's to your 60's, to help you build wealth and create a financial legacy. 

December 2018 Achieve Your Financial Goals in 2019 -- With the new year right around the corner, it's time to start thinnking about what we would like to achieve in the coming year.  Many have goals pertaining to finances, whether it's to save for retirement or a down payment on a home, build wealth through investment or reduce debt.  We're providing you with information to help you set realistic goals that you can actually achieve.  If you think that speaking with a financial planner would be helpful to you, Contact Us and we will provide you with a couple of referrals of financial professionals in our database.

November 2018 Five Fun Facts About Thanksgiving -- Thanksgiving is a day full of family and friends, food, gratitude and timeless traditions.  We're sharing a few fun facts that you can share with everyone that you know.

November 2018 Purposefully Give Thanks -- Did you know that Thanksgiving wasn't celebrated regularly until President abraham Lincoln declared the fourth Thursday of November as a national holiday?  A little-known fact is that Sarah Josepha Hale campaigned to recognize the day for 17 years prior to it being made a Federal holiday. 

October 2018 Tips for Staging Your Kitchen -- The kitchen is often a home's main focal point and the room that entices potential buyers.  Although many sellers choose to complete a basic remodel before listing their home for sale or rent, a little paint, cleaning and properly placed dining items can make it look like new.  We are providing you with eight things that you can do to make your kitchen inviting to potential buyers or to make it more appealing and useful for your own use without paying for a costly renovation.  For a more information about possible changes to your kitchen, Contact Us and we will review ideas with you and connect you with a great contractor.

October 2018 Getting More ROI From Your Kitchen Renovation -- In addition to being one of the most popular renovations homeowners complete, the kitchen often nets the highest return on your investment (ROI) relative to other areas in your home.  While many homeowners give the kitchen a minor update to keep it modern, others choose a full remodel to improve the style and functions of the space, enjoy it more and make it more attractive to potential buyers.  If you don't own your home, some of these tips will help you make your kitchen more attractive and functional.  Don't hesitate to  Contact Us if you need help with updating your kitchen ... we can put you in contact with one of the licensed contractors we have in our database. 

September 2018 Retirement Worksheet -- We are providing you with a worksheet to help you estimate how much you will need to save for retirement.  Although it doesn't take into account any unforeseen setbacks, it does provide insight into how much you may need to save to retire according to your preferencdes.  For a more in-depth assessment of your retirement savings needs, Contact Us and we will connect you with a great financial planner.

September 2018 How to Retire Well -- Conventional wisdom suggests that we should save about 10 to 12 times our current income; however, many people approach retirement having saved much less.  So how much is enough?  The amount of money you should have saved before you retire depends on many personal factors and considerations.  Read through these and then Contact Us if you need help with working this out ... we can put you in contact with one of the financial experts in our database. 

August 2018 Good Financial Habits to Keep You Debt-Free -- A budget is a tool that allows you to plan your spending each month based on your income and current expenses.  Creating a budget is a good exercise that provides insight about your spending habits and may motivate you to make changes and provide guidance for future spending.  In addition to a budget, we are providing you with five other financial habits that can help you reduce your consumer debt load.

August 2018 Benefits of Reduced Debt -- If you have set a goal to pay down your debt this year, you're not alone.  According to a study by NerdWallet, more than 40% of Americans have this goal in sight.  Strategically reducing or paying off debt benefits your finances tremendously, but can positively impact other areas of your life as well.  This information is designed to get you started!

July 2018 Stay Organized and Clutter-Free -- Once you have simplified and organized yorur home using the "five-bin" approach, keep it in good shape with the tips we're providing here.  They will really help to simplify your life and your living spaces.

July 2018 Declutter Your Living Spaces -- The average personal will spend a total of 3,680 hours, or 153 days of their life, searching for misplaced items, according to "Becoming Minimalist."   Typically, the only time many of us think about decluttering our homes is when we're getting ready to move.  Whether you're moving or just want to save time and space, we're providing information about the five-bin approach, because it's a great way to start simplifying your living environment.

June 2018 Why it Makes Sense to Hire a Pro -- Many homeowners weigh their options before beginning a home project, often considering its size and scope, their budget and their own technical abilities.  Hiring a professional will allow you to spend time doing other things on your to-do list.  If you'd like to hire a pro for your next renovation project ... big or small ... Contact Us and we will conntect you with reputable professionals in our network.

June 2018 Hire the Right Contractor -- Hiring a contractor can be stressful, especially if you're planning a major renovation or if something has happened at your home that was completely unexpected.  Use the guidelines we are providing here to help you hire the right person for your next home project.  These tips also apply if you're hiring a tradesperson or service professional to tackle any project around the home.  You can also always Contact Us to discuss your project so that we can recommend one of our pre-screned, licensed and insured contractors to you.

May 2018 Planning to Sell?  Think Like a Buyer -- Although the majority of homebuyers initially search on-line for the right home to purchase, more than 63 percent will walk through the home and nearly half will drive by it to get a vew of the exterior.  Photographs are great for first impresions,but driving by the property provides a different perspective that allows buyers to get an idea of the home's current status.  We're providing some ideas of how you can "think like a buyer" when you assess the condition of your home.  Don't hesitate to Contact Us if you have questions about the real estate market or the process of buying, selling, or renting a home.  Our highly-trained agents can answer all of your questions.

May 2018 Increase Your Home's Curb Appeal -- If you are thinking of selling your home this year, we would be very happy to help you decide which of the projects in this month's information would net the best value based on our experience.  We have some great contractors who work with us and they will be glad to discuss all of your options.  Feel free to Contact Us to discuss your plans ... we'll be glad to help!

April 2018 Boost Your Credit Score, Regardless of Your Age -- People are more conscious of their credit scores than ever before. Although more consumers are earning higher credit scores, younger consumers seem to be left in the cold. This information delves into why younger consumers have lower credit and offers tips to help them improve their scores.  If you think that you need additional help resolving credit issues, you should speak with a fully-licensed lender at a financial institution ... don't fall for quick "credit fix" scams.  If you don't have a trusted lender to speak with, feel free to Contact Us and we can recommend a couple of our preferred lenders who will be happy to assist.

April 2018 The Benefits of Great Credit ... and How to Boost Yours -- Whether you want a loan to make a large purchse or you're applying for a job, a high credit score may give you an advantage.  It not only helps you secure a lower interest rate and save money over the life of your loans, it also demonstrates to lenders and potential employers that you're financially repsonsible, and likely responsible in other areas of your life. 

March 2018 Three Online Tax Preparation Options -- Although it's always a good idea to consult a tax preparation professional, some people can use online options ... we are providing information about three of them for you.  If you don't know a qualified tax professional, feel free to Contact Us and we can recommend a couple of our preferred people who may be able to help you.

March 2018 Prepare You For Tax Time -- Tax Day (April 17, 2018) is right around the corner.  For many people, taxes are stressful.  Whether they plan to complete their tax returns themselves in a weekend or are pulling together information to give to their tax preparer, this information will help take some of the stress out of the process by giving you tips to get organized.

February 2018 How to Protect Your Information Online -- Prevent tech-savvy thieves from stealing personal information!  This information offers several strategies to help you protect your information when you go online, whether it's at home or at your computer or while you are out and about with your smartphone or tablet.  If this informaton actually helps you avert identity theft, we would love for you to Contact Us and relay your story.

February 2018 What to Do if Your Information Has Been Stolen -- Although the interconnectivity of the Web has made it more convenient for people to pay bills, shop and other tasks, it also makes it easier for tech-savvy thieves to steal people's personal information.  The information we have this month delves into the topic of identity theft and cyber data breaches.  It provides tips and information to help our clients and their relatives, friends and acquanintances protect their information and outlines what to do if you are impacted.

January 2018 Five Reasons to Give Me a Call Today! -- Did you know that we can do more than help you buy or sell a home?  In fact, we offer a variety of services to all of our great clients, regardless of whether we're currently working with them on a home purchase or sale.  Whether you need advice on making repairs to your home or on finding a creliable business to help you with whatever you need, Contact Us so that we can connect you with someone in our business network.

January 2018 Market Insights 2018 -- Do you know what's in store for the real estate market in 2018?  Probably not!  While it's impossible even fur us to know for sure, experts analyze current trends to predict what may happen.  We have a breakdown of what the believe will happen this year. Regardless of whether you want to buy a home, sell a home, or rent a home, Contact Us so that we can help you navigate through the process.

December 2017 Hosting Holiday Guests? Create a Great Experience for Everyone -- Hosting guests over the holidays can be as stressful as traveling.  There's often pressure to create a picture-perfect experience for your guests, whether they're staying overnight or for a week.  By planning ahead and keeping them informed, you'll reduce stress and create a fun, festive experiene for everyone.  These tips can actually be applied all year round ... whenever you have guests visiting.

December 2017 Holiday Travel Tips -- Since many people take time off to visit family and friends in other places, the holidays are the busiest time of year to travel.  It is also one of the most stressful times to travel, with people reporting it was as taxing as moving.  These tips will help you to take the stress out of holiday travel ... and most can be used anytime you travel.

November 2017 House Hunting Check-List -- We are providing this check-list to help take the stress out of throwing your next part.  Whether it's a party during the holidays or for any other occasion, most of the tips in this checklist will still apply.

November 2017 How to Throw a Party Without Going Broke -- The holiday season is rapidaly approaching, making now the time to start planning your holiday party.  Whether you host a holiday party every year or it's your first one, we're providing you with some tips to help you plan a party that is fun, festive and budget friendly.

October 2017 House Hunting Check-List -- The average home buyer views 10 homes before they find the one they want. When you view that many homes, it can be difficult to remember the details of each one. We are providing you with a check-list to help you remember the features of each home you visit and your impression of the home and surrounding neighborhood. Feel free to print out as many copies of this check-list as you need ... and be sure to Contact Us to help you with the home-buying process.

October 2017 The Buying Process -- Are you in the market for a home? If it is your first time attempting to purchase a home, you may wonder what to expect during the buying process. Even if you've purchased a home before, the process has many variables and may not be the same every time. If you are considering buying a home, Contact Us so that we can walk you through the process.

September 2017 Boost Your Home's Online Appeal -- One of the first steps buyers take when they begin their home search is to look online at properties for sale or for rent. In fact, more than 50% of buyers (and tenants) found the home they ultimately purchased in an online search. We're providing you with five keys to great listing photos.

September 2017 Home Selling 101 -- Selling a home may be a stressful experience, espeically for first-time sellers. One of the best ways to ease anxiety and reduce stress is to know what to expect. We outline the process for you here. If you are considering listing your home for sale, Contact Us so that we can walk you through the process. This is also valuable information if you plan to list your home for rent.

August 2017 How to Maintain Great Credit -- Once your credit is in great shape, make sure it stays that way. We're providing you with five steps to do just that.

August 2017 How to Repair Your Credit -- Do you feel that your credit stands in the way of getting approved for financing for a home or a new car? Having bad credit can do more than prevent you from getting approved for a loan; you may also have to pay more for insurance and provide a security deposit on utilities if you move. The good news is that you can begin to improve your credit immediately. This information will help you to get started.

July 2017 How to Hire a Moving Company -- Reduce the stress of the moving process by hiring a reliable moving company to transport your belongings to your new home. We are providing you with some tips for hiring a reputable company that fits your budget. If you have had a GREAT experience with a moving company, Contact Us and to tell us about them so we can add them to our business directory.

July 2017 Make Moving Easier -- Spring and summer are busy times in teh real estate market. Although many people look forward to having a fresh start in a new place, they may be anxious about the moving process itself. We are providing you with information and tips to help make it easier. If you are thinking about selling your current home, buying a home or renting a home, don't try to do it yourself, Contact Us and we will help you get the process started and be with you every step of the way!

June 2017 Color Made Easy -- For many people, the most difficult part of a home painting project is choosing the right color. The information in this edition of our newsletter makes this process easier by offering tips and apps to help you pick the right shade or color scheme that reflects your style. If you are looking to paint your home, but don't want to do it yourself, Contact Us and we will provide you with a referral to a great contractor!

June 2017 Spruce Up Your Space with New Paint -- Did you know that the easiest and cheapest way to refresh your home’s interiors is with a coat or two of paint? This edition of our newsletter gives you a crash course in painting … from choosing the best finish to finding the right color. If you are thinking about painting your home, but don't want to do it yourself, Contact Us and we will provide you with a referral to a great contractor!

May 2017 Five Steps for Personal Development -- You can commit to personal growth today once you read this information. From setting goals to keeping a journal, these tips are sure to help you create successful habits for continual personal growth.

May 2017 Seven Ways to Invest in Yourself -- One of the best investments you can make is the investment in yourself. Personal development inclues activities that help you improve your hard and soft skills, cultibate your talents and tap into your potential so that you can improve your overall quality of life.

April 2017 How to Pay for Your Home Renovation -- If you are thinking of starting a home improvement project soon, then this information will be very helpful to you. It outlines several ways to pay for the project, including several lending options. We know what renovations and improvements will give you the most “bang for your buck” and also have a large number of very qualified (licensed and insured) contractors that are available to help you with the process, too. Contact Us if you would like to schedule a meeting to discuss your options.

April 2017 Seven Features That May Sell Your Home Faster -- If you are thinking about putting your home on the market this spring, then this information will help you to get started with the process. It outlines seven features that make a home more attractive to potential buyers, including energy-efficient windows and appliances and hardwood floors. Contact Us so that we can discuss the process of listing your home for sale so that you can get the highest value possible.

March 2017 Are You Ready to Buy in 2017? -- With various factors to consider, the decision to buy a home is difficult for most people. This information asks you five questions that will help you guide your decision and youre readiness to buy a home. Even if you aren't ready to buy right now, we urge you to review this information so that you will know what will be needed when the time is right for you!

March 2017 What's in Store for the Market in 2017? -- We are sharing expert predictions for the year and statistics and projections to back them up about what should happen in the real estate market this year. Contact Us so that we can discuss the local Maryland market with you and address your specific needs and concerns.

February 2017 Get Organized for Taxes -- One of the most stressful parts of doing taxes is tracking down all of the paperwork involved, especially if you plan to itemize. This information provides a checklist to help you track down the documents that you will need to fill out and file your 2016 taxes.

February 2017 It’s Not Too Early to Start Thinking about Taxes -- Many of us wait until the last minute to file our taxes. Doing so, however, often means that we miss taking all of the money-saving deductions that we may qualify for. This information outlines several deductions that may be very beneficial to you and also helps you to get organized for tax season by providing a list of tasks to tackle now. If you know a good tax preparation expert or software package, Contact Us so that we can share it with our clients and customers.

January 2017 Five Tips for Navigating the Real Estate Transaction -- For many buyers and sellers, especially first-timers, the real estate process can be overwhelming. This report is designed to help ease your mind about the process and offers five tips to prepare to list your home for sale or buy a new one. If you need specific information about our market in Maryland or your specific neighborhood, Contact Us and we'll help you begin the research.

January 2017 Nine Reasons You Need an Agent to Help You with the Real Estate Process -- It doesn't matter if you are buying or selling your first home or if you've bought and sold a few during your lifetime. The one thing that you need for any real estate transaction is a well-trained, licensed real estate agent like us at DMS Properties, LLC ... Residential Real Estate Services. Contact Us so that we can help you with whatever real estate transaction you are considering ... and remember that we're never to busy to help your family, friends and co-workers, too!

December 2016 The Scoop on Solar -- Homeowners who want to go a step further to reduce their energy consumption may want to look into generating their own electricity. This information will provide you with the pro's and con's of installing a solar energy system at your house.

December 2016 Save Money on Home Energy This Winter -- For many of us, November and December may be when we see the highest energy bills all winter. As the days get shorter and temperaturs drop, we begin to use more energy to light and hat our homes. The tips contained in this information may be very useful for many of us. If you or someone you know wants to investigate some of these solutions and need help with it, Contact Us so that we can hook you up with one of our great contractors!

November 2016 Thank You for Being Our Client -- Because much of our business comes from referrals, your business and referrals are essential to our continued success. Remember that we at DMS Properties, LLC … Residential Real Estate Services are always here to serve you, whether you have questions about your home’s current value, or need a referral to a reputable contractor. Contact Us about all of our real estate needs.

November 2016 Nine Ways to Say Thanks -- There are many ways to show appreciation and improve relationships with your family, friends and anyone that you associate with each day. When someone goes above and beyond to help you out, acknowledge their efforts and show your appreciation with one of the thoughtful suggestions in this month's piece.

October 2016 Stage Your Home to Sell -- If you want your home to sell faster, then you may want to consider Staging it. We're providing tips that you can apply throughout the house and in each room. When you're thinking about selling, Contact Us so that we can discuss your home and help you get it ready for listing.

October 2016 Advice for Today's Home Seller -- Selling a home is an emotional process for many sellers, especially first-time sellers and those who have lived in their homes for a long time. People sell homes for many reasons, but whatever your reason it, we're providing you with information to help you handle it. Be sure to Contact Us so that we can discuss your home buying options and provide you with additional information and support.

September 2016 How to Save for Big Events -- There are certain “big ticket” things that most people will save for: an emergency fund, a down payment on a home, college and retirement. This piece outlines specific ways for people to plan and save for these big events without biting into their wallets or budgets.

September 2016 How to Achieve Financial Freedom -- Financial freedom is a goal that many people have for their families, but they may be too overwhelmed to put a plan into action that would help them achieve it. This information provides an overview of strategies to help you save more of what you earn and get out of debt ... two essential steps of achieving financial freedom. We have relationships with some great financial people (bankers, lenders, financial planners, etc.) that can help you ... let us know if you'd like a referral!

August 2016 Can Thieves Crack Your Code? -- Many of us use our smartphones for more than answering emails, sending texts and connecting with friends on social media; we may also use them to manage bank accounts, pay bills and apply for jobs. While having them makes it easier to manage our lives, it also makes our information more vulnerable to thieves and hackers. We're providing tips to help you keep your smartphone as safe as possible.

August 2016 Protect Your Information from Thieves -- More than 17.6 million Americans were victims of identity theft in 2014 alone. Most victims discovered their information had been compromised when their banks contacted them about suspicious activity. Identity thieves can strike at any time. While the majority of people take steps to prevent thieves from stealing their identities, there are situations where it may be difficult to prevent. We're providing you with several ways that thieves can steal your information, from ATM skimming to email and phone scams. We hope you find it helpful!

Each month there is a new topic. We are working on adding the entire library of newsletters from the past three years. Some of the entries, though, are time-sensitive and will be removed when they are no longer relevant. We hear from many of our clients about how this information has helped them in one way or another ... we would love to hear which of these articles you find useful. You can Contact Us for more information about any of these articles or about our Client Appreciation Program and the special benefits we offer.

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