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.
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
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
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.
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
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
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.
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!
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.
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
Us so that we can provide you with a few people you
can speak with about your situation.
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.
Us so that we can arrange a referral for you, for
your family or for your friends.
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
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
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.
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,
Us and we will provide you with a couple of
referrals of financial professionals in our database.
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.
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
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,
Us and we will review ideas with you and connect you with a great
Getting More ROI From Your Kitchen Renovation -- In addition to being one of the most
popular renovations homeowners complete, the kitchen often nets
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
Us if you need help with updating your
... we can put you in contact with one of the licensed
contractors we have
in our database.
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,
Us and we will connect you with a great
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
Us if you need help with working this out
... we can put you in contact with one of the financial experts
in our database.
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
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!
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.
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.
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 ...
Us and we will conntect you with reputable
professionals in our network.
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
Us to discuss your project so that we can recommend
one of our pre-screned, licensed and insured contractors to you.
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
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.
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
Us to discuss your plans ... we'll be glad to help!
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
feel free to
Us and we can recommend a couple of our preferred
lenders who will be happy to assist.
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.
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
Us and we can recommend a couple of our preferred
people who may be able to help you.
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.
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
Us and relay your story.
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
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,
Us so that we can connect you with someone in our
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,
Us so that we can help you navigate through the
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.
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.
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.
How to Throw a Party Without Going
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.
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
help you with the home-buying process.
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
that we can walk you through the process.
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.
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
that we can walk you through the process. This is
also valuable information if you plan to list
your home for rent.
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.
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.
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
to tell us about them so we can add them to our
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
we will help you get the process started and be
with you every step of the way!
-- 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
we will provide you with a referral to a great
Up Your Space with New Paint -- Did you know that the easiest and
cheapest way to refresh your homes
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
we will provide you with a referral to a great
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.
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.
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
you would like to schedule a meeting to discuss
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.
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!
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.
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.
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.
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
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.
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,
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.
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!
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 homes current value,
or need a referral to a reputable contractor. Contact
Us about all of our real
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.
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.
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.
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.
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!
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.
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
more information about any of these articles or about our Client
Appreciation Program and the special benefits we offer.
information contained on this site is maintained by DMS
Properties, LLC ... Residential Real Estate Services.
We attempt to keep it current, but some delays may occur.
To verify the most current information, contact us.