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I'm going to spill the beans today!
As many of you know, I do a lot of reading. I typically read about 2 or 3 books a week. I do this to stay well informed for my benefit as well as yours.
I'm often asked how I do it. Where do I find time to do that much reading? Well, if the truth be told, about 90% of all the books are audio books. This allows me to listen during all those down times throughout the day. Like when I am driving, during my walks, waiting in the checkout line, getting my oil changed, and so much more!
About 5 years ago, I found this great website called Audible.com. They have thousands of books that I can download right off the internet, onto my computer.
From there, this easy to use program allows me to listen from my computer, burn to a disc so I can listen in my car, or download directly into my IPOD.
Most of the books I choose have to do with business and financing, however, they also have fiction novels, travel books, self help books, radio shows and periodicals, you name it. There are best sellers by top authors like Dean Koontz, James Patterson, Stephen King, Dan Brown and more. There are also audio magazines like Forbes and Scientific American; audio newspapers like The New York Times Audio Digest; and even radio shows like Car Talk and This American Life!
Listen on your commute, at the gym, or anywhere you go. It's a great way to learn, and be entertained at the same time. I find I listen to subjects that I normally wouldn't think about.
So now you know one of my best kept secrets about how to stay informed and educated. Statistics say that if you spend 1 hour a day reading in your field, in three to five years you will be a national expert. So I strongly recommend this service. The plan I use is about $23 dollars per month.
The amount of knowledge you will gain, the time you will save and the fun you'll have doing it will likely make this the best $20 purchase that you'll make each month.
Thanks for letting me share with you. Don't forget, whenever you have real estate questions, give me a call or shoot me a quick email. If I don't have the answer, I know where to find it. I stay informed, and will always give you honest answers. But then, you already knew that, didn't you.
I look forward to hearing from you soon!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
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Monday, October 17, 2011
Monday, October 10, 2011
How To Make A Grown Man Cry!
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Most of the time, the tips I provide are great FREE services that bring you HUGE benefits.
Today's tip could save you thousands of dollars and countless working hours, but will cost you only $2-$10/month.
A friend of mine just lost what seemed like his whole life, when his laptop fell in the water last week. He said he nearly cried!
We have all heard horror stories of computers crashing and people losing all of their data, hard work, not to mention perhaps all of your vacation pictures. This only has to happen to you once before you become a believer in this tip!
We all know we should back up our computers daily, but let's face it, it probably doesn't happen even once a month, much less daily.
Here is a great service that will back up your computer automatically for $2 per gigabyte. It stores the information on a secure online server via your internet connection every time you are away from your computer for more than 30 minutes or so.
I just signed up for this myself and it was so easy to set up. Just go to www.DataDepositBox.com.
Trust me; if you don't have something like this in place to protect you and your valuable information, you are taking a huge risk.
Thanks for joining me; I look forward to hearing from you soon!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
********************
Most of the time, the tips I provide are great FREE services that bring you HUGE benefits.
Today's tip could save you thousands of dollars and countless working hours, but will cost you only $2-$10/month.
A friend of mine just lost what seemed like his whole life, when his laptop fell in the water last week. He said he nearly cried!
We have all heard horror stories of computers crashing and people losing all of their data, hard work, not to mention perhaps all of your vacation pictures. This only has to happen to you once before you become a believer in this tip!
We all know we should back up our computers daily, but let's face it, it probably doesn't happen even once a month, much less daily.
Here is a great service that will back up your computer automatically for $2 per gigabyte. It stores the information on a secure online server via your internet connection every time you are away from your computer for more than 30 minutes or so.
I just signed up for this myself and it was so easy to set up. Just go to www.DataDepositBox.com.
Trust me; if you don't have something like this in place to protect you and your valuable information, you are taking a huge risk.
Thanks for joining me; I look forward to hearing from you soon!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
********************
Monday, October 3, 2011
Secrets To Raising Your Credit Score!
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Today's tip will help you whether you are buying a new house, a new car, a cell phone, or applying for homeowners insurance!
With the rapidly changing conditions we've seen in the real estate and mortgage industries, it's critical to keep your credit score as high as possible.
Some employers pull credit reports on job applicants, so it will even help there.
These quick tips will help increase your overall credit score.
First, never cancel a credit card that is more than 2 years old. Having a "seasoned" account, one that is more than 2 years old is a big plus for you.
Next, increase your maximum allowable credit limit. In other words, if you have a credit card that is close to its maximum balance, call the credit card company and ask them to increase the credit limit.
The credit bureaus don't like to see "maxed out" credit. Tell them you would like them to do this without pulling your credit.
In addition to this, spread out your balances among your cards trying to keep the ratio between card balances and credit limit to 30% or less.
For example, let's say you have 3 credit cards and $3,000 in credit card debt. If all the cards have limits of say $4,000, it would be best to put $1,000 on each of the cards than to have just 1 of those cards with the full $3000 balance.
Finally, be sure to pay your bills on time. The number one reason for a low credit score is late payments.
And here's a scary fact. Studies show that 79% of all credit reports have errors on them. 79%!!! That's almost 8 out of every 10 reports. That almost sounds criminal, but it's true.
If you are even considering buying a new home or refinancing, let's take a look and see if we need to do some "homework" to build your credit score up to its highest possible point. Since lower scores mean higher interest rates, even a few lost points on your credit score could cost you tens of thousands of dollars in wasted interest payments.
Don't wait, give me a call soon to talk about your options.
You see, our relationship doesn't end when I help you find a beautiful home for your family; that's really just the beginning. Although I am here to make sure you get to the closing table with no surprises, I also want to help improve the quality of your life and to save you some of your hard earned money. And when your family grow's, or you decide to invest in another property, I want to be there to help you then too!
Thanks again for letting me enter your world each week and thanks for the referrals of your friends and family members. I appreciate it and so do they, I promise you that!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
*********************
Today's tip will help you whether you are buying a new house, a new car, a cell phone, or applying for homeowners insurance!
With the rapidly changing conditions we've seen in the real estate and mortgage industries, it's critical to keep your credit score as high as possible.
Some employers pull credit reports on job applicants, so it will even help there.
These quick tips will help increase your overall credit score.
First, never cancel a credit card that is more than 2 years old. Having a "seasoned" account, one that is more than 2 years old is a big plus for you.
Next, increase your maximum allowable credit limit. In other words, if you have a credit card that is close to its maximum balance, call the credit card company and ask them to increase the credit limit.
The credit bureaus don't like to see "maxed out" credit. Tell them you would like them to do this without pulling your credit.
In addition to this, spread out your balances among your cards trying to keep the ratio between card balances and credit limit to 30% or less.
For example, let's say you have 3 credit cards and $3,000 in credit card debt. If all the cards have limits of say $4,000, it would be best to put $1,000 on each of the cards than to have just 1 of those cards with the full $3000 balance.
Finally, be sure to pay your bills on time. The number one reason for a low credit score is late payments.
And here's a scary fact. Studies show that 79% of all credit reports have errors on them. 79%!!! That's almost 8 out of every 10 reports. That almost sounds criminal, but it's true.
If you are even considering buying a new home or refinancing, let's take a look and see if we need to do some "homework" to build your credit score up to its highest possible point. Since lower scores mean higher interest rates, even a few lost points on your credit score could cost you tens of thousands of dollars in wasted interest payments.
Don't wait, give me a call soon to talk about your options.
You see, our relationship doesn't end when I help you find a beautiful home for your family; that's really just the beginning. Although I am here to make sure you get to the closing table with no surprises, I also want to help improve the quality of your life and to save you some of your hard earned money. And when your family grow's, or you decide to invest in another property, I want to be there to help you then too!
Thanks again for letting me enter your world each week and thanks for the referrals of your friends and family members. I appreciate it and so do they, I promise you that!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
*********************
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