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.
separated the list of past newsletters by topic ... Automotive, Buying
and Garden, Personal Development, Real
Estate Market, Selling
Your Home, and Technology.
Each month there is a new topic.
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.
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.
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.
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!
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
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.
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.
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!
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 alone3.
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!
Home Improvements that Save Money -- Did you know that a few easy home
improvements can help you save money on your
monthly utility bills? Its true. This
month's information utlines six simple home
improvements that you can make to help you save
money on your utility bills. Changing faucets to
low flow models, fixing leaks and sealing drafts
with weather stripping are a few small ways to
save resources, both natural and financial. It
also offers tips to help boost the value of your
you have basic improvements that are needed at
your home ... whether your own or are renting ...
you should Contact Us today so that we can have one of
our contractors visit and discuss the options
with you. Saving money at home is a good idea for
More for a Down Payment -- For many first-time
homebuyers, saving for a down payment can be
difficult. This information offers tips to help
you turn saving into a habit; one that will last
even after you have bought a house. If you are
considering buying a home, you should Contact Us today so that we can discuss your
options and help you get started. We have
relationships with some great financial
professionals who can give you some great advice
and point you in the right direction
Money This Holiday Season -- Don't break the bank on gifts
and decorations this holiday season! There are
many ways to save money while spreading holiday
cheer, not only on holiday gifts, but also for
decorations and entertainment.
Household Items Today! -- If you're like most
people, you probably have items in the attic,
basement, garage and closets that you don't need,
use and maybe even forgot that you had.
the Right Site to Sell Your Stuff Online --
While garge sales are an ideal way to get rid of
the stuff you don't want anymore, the Internet
may be the best place to sell valuable items that
you want to get rid of for top dollar. Here are a
few sites to help you get started.
Yourself from Identity Theft -- Becoming a victim of identify
theft can cost you more than just money. Here are
tips to make help you make your identity more
Achieve Financial Freedom -- There are several steps that
you can take to improve your finances and
alleviate the stress you feel every month when
you pay your bills.
We send out the
newsletters every month. If you would like to receive a
copy, be sure to Contact Us today and we will start
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.