Thursday, October 4, 2012
5 Great Quotes You May or May Not Have Heard
************
1. "The consequences of today are determined by the actions of the past. To change your future, alter your decisions today." ~ Anonymous
2. "There are only two ways to live your life. One is as though nothing is a miracle. The other is as though everything is a miracle." - Albert Einstein
3. "And in the end, it's not the years in your life that count. It's the life in your years." - Abraham Lincoln
4. "When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us." - Alexander Graham Bell
5. "Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma -- which is living with the results of other people's thinking. Don't let the noise of others' opinions drown out your own inner voice. And most importantly, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary." - Steve Jobs
For some great home buying or mortgage advice, call me at your convenience so we can make sure you have all the information you need and join me next week for your tip of the week!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
*****************
Monday, May 14, 2012
How Can I Get $5 Magazine Subscriptions?
******************
Here is a quick and easy tip for you! I love reading. I read
all the time and about all kinds of subjects.
I used to spend a ton of money on magazine subscriptions
because I need so many to ensure that I remain the expert you can trust.
Well, I found a great website that shows where we can get
the cheapest magazine subscriptions anywhere. I just looked and I can get Good
Housekeeping for only $5 per year. That's like 42 cents per issue!
Some of the magazines may have a "processing fee"
of around $5, but you are still getting the magazine delivered to your house
for less than $10 for an entire year. That is just crazy cheap. The website is
magazinepricesearch.com.
This is a great service that has saved us a lot of money. So
go and check it out. You know, I have a banner in my office that says rich
people have big libraries; poor people have big TV's.
So if you love to read, please do yourself a favor and check
out the website we just gave you and save yourself some money.
And would you please do us a favor? If you know of anybody
that is thinking about buying or selling a home, would you please share my name
with them?
Also, please feel free to call me anytime if you have any
questions or concerns about real estate. I'm always here to help you and your
family!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
*********************
Monday, May 7, 2012
World's Best BBQ?
*********************
I'm sure you love BBQs, so I wanted to have a little fun
with you this week, and give you a tip that will make you really shine!
As you know, I'm always here to watch your back, not only
with your housing needs, but in other areas too. So I'm going to give you a tip
today that is going to make you famous in the BBQ world! (Or at least with your
friends and family.)
I have personally tested dozens of recipes all claiming to
be "The Best Hamburger Recipe in the World" and have come up with a
clear winner! Make this easy recipe and you will be a hero to your hungry herd!
With this amazing recipe, you simply mix all the ingredients
together and then separate into 4-6 patties.
Then you put them on your hot grill for 5 minutes each side,
or until done to your taste. I promise this will produce the best hamburger you
have ever had!
Now I know some of you will say, yeah sure, I'll just make
them like I always do. Well you'll really be missing out!
I know I kind of stepped away from our normal topics with
this week's tip, but for those of you who actually try this, you'll understand
why. I am sure you will forward this recipe to all of your family and friends.
By the way, when you want to do your friends another favor,
let them know I am here to help anytime they are thinking about buying or
selling a home.
Just shoot me a quick email or give me a quick call with
their information and I will contact them to give them honest, helpful answers.
They will thank you for it, I promise you!
Oh, and let me know how you like this recipe after you've
tried it, even though I already know the answer.
Now go get your ingredients together and get ready to make
the world's best hamburger ever!!! You are going to love these. Have a great
BBQ!
World's Best Hamburger Recipe:
INGREDIENTS
- 1 1/2 pounds lean ground beef(or you can use ground
chicken or turkey)
- 1/2 onion, finely chopped
- 1/2 cup shredded Colby or Monterey Jack cheese
- 1 teaspoon soy sauce
- 1 teaspoon Worcestershire sauce
- 1 egg
- 1 (1 ounce) envelope dry onion soup mix
- 1 clove garlic, minced
- 1 tablespoon garlic powder
- 1 teaspoon dried parsley
- 1 teaspoon dried basil
- 1 teaspoon dried oregano
- 1/2 teaspoon crushed dried rosemary
- salt and pepper to taste
DIRECTIONS
1.Preheat a grill for high heat.
2.In a large bowl, mix together all ingredients. Form into
4-6 patties.
Grill patties for 5 minutes per side on the hot grill, or
until well done.
Serve on buns with your favorite condiments. Enjoy!
Sincerely,
Ken
951-760-3833
*********************
Saturday, April 28, 2012
Avoid Identity Theft!
*****************
As you know, identity theft is a growing problem in this
country. At the end of this report, I'm going to give you a great tool to help
you fight against this nightmare.
Just to show you how big identity theft is, listen to this
statistic that will put it in numbers that you can relate to. Begin by
picturing the population of the states of Georgia, North Carolina, South
Carolina, Florida, and Alabama.
The entire population of all these states combined is just
under 45 million. This is the number of people who had their private
information given out to the public by mistake recently by some credit card
companies and banks!
There have been 18 million cases of identity theft with
losses totaling over $52.6 billion dollars. That's enough money to buy General
Motors, Ford, and Nordstrom's!
Afterwards, you would still have over $11 billion leftover
to go shopping!
Identity theft costs the average victim nearly $4,000 and more
importantly, over 175 hours of personal time to straighten out their problems
and their credit.
These figures don't even take into account the potential
increases in interest rates from creditors and insurance companies, which can
lead to even more costs to you if problems are left undetected and your credit
score is trashed.
A government study showed that it takes an average of 12
months for most consumers to even realize a problem exists.
You see, when a company pulls your credit, their name gets
stamped on the bottom of your credit report; this is something that cannot be
avoided.
Now don't be deceived, the offer's online of free reports,
aren't as good as they sound. They offer the credit report for
"free", but what they don't tell you is there is a sizeable fee to
get your credit "score".
Give me a call and I will get you connected with a great
courtesy service that will keep you from losing big! I am also here to help
your friend's and co-worker's who are looking for new home's. Just forward them
my name and number, I know they will be glad you did!
Thanks for letting me help, and remember that I'm on your
team!
Sincerely,
Ken
951-760-3833
******************
Friday, March 9, 2012
Do You Know The Universal Default Clause?
******************
Credit card companies do a great job disclosing all of their terms and conditions; even though it's in a hard to read font and very technical language. But failing to understand those terms can be costly.
Most people know that when your bill arrives, it needs to be paid on time or you'll be hit with a hefty late fee; however, many don't know that paying late entitles the credit card company to raise your interest rate immediately and significantly!
And worse yet, paying late on one of your credit cards entitles all your other credit card companies to raise the rates you are paying them as well.
This is called the "Universal Default Clause", and it basically means that if you're late on one credit card account, all your other credit card companies can increase their interest rates too. This can happen even if you have paid your other accounts on time!!!
But the plot thickens, this extends way beyond late payments on credit cards. If your credit card company has the Universal Default Clause noted in their fine print, they can increase your interest rate if a late payment is reported by ANY other creditor, including utility bills, car loans, and home loans!
You better believe they are just waiting for the opportunity to increase your interest rate. This is why they continually monitor your credit report.
And just when you thought it couldn't get any worse, it's not just late payments that trigger the Universal Default Clause. Interest rates can be increased if a consumer exceeds their credit limit, bounces a check, or applies for additional credit. All of these factors are signs to the credit card company that a consumer may be turning "high risk." And the penalty? You guessed it, a higher interest rate.
Any time you have questions about credit, credit scores, or the credit reporting agencies, don't hesitate to give me a call. If I don't know the answer, I know where to find it.
If you have friends or family members that are credit challenged, there is absolutely hope available!
You do not have to have perfect credit to accomplish your dream of owning a home. I know alot of insider secrets. Let my knowledge and experience work for you.
Also, many of you forward these tips to your friends, co-workers and family members. If you will provide me with their e-mail addresses, I will be glad to add them directly to this valuable subscription. This will save you time and make sure they don't miss some important information.
Thanks for letting me help you & your family; I'm looking forward to talking with you soon!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
www.KenHallProperties.com
*********************
Credit card companies do a great job disclosing all of their terms and conditions; even though it's in a hard to read font and very technical language. But failing to understand those terms can be costly.
Most people know that when your bill arrives, it needs to be paid on time or you'll be hit with a hefty late fee; however, many don't know that paying late entitles the credit card company to raise your interest rate immediately and significantly!
And worse yet, paying late on one of your credit cards entitles all your other credit card companies to raise the rates you are paying them as well.
This is called the "Universal Default Clause", and it basically means that if you're late on one credit card account, all your other credit card companies can increase their interest rates too. This can happen even if you have paid your other accounts on time!!!
But the plot thickens, this extends way beyond late payments on credit cards. If your credit card company has the Universal Default Clause noted in their fine print, they can increase your interest rate if a late payment is reported by ANY other creditor, including utility bills, car loans, and home loans!
You better believe they are just waiting for the opportunity to increase your interest rate. This is why they continually monitor your credit report.
And just when you thought it couldn't get any worse, it's not just late payments that trigger the Universal Default Clause. Interest rates can be increased if a consumer exceeds their credit limit, bounces a check, or applies for additional credit. All of these factors are signs to the credit card company that a consumer may be turning "high risk." And the penalty? You guessed it, a higher interest rate.
Any time you have questions about credit, credit scores, or the credit reporting agencies, don't hesitate to give me a call. If I don't know the answer, I know where to find it.
If you have friends or family members that are credit challenged, there is absolutely hope available!
You do not have to have perfect credit to accomplish your dream of owning a home. I know alot of insider secrets. Let my knowledge and experience work for you.
Also, many of you forward these tips to your friends, co-workers and family members. If you will provide me with their e-mail addresses, I will be glad to add them directly to this valuable subscription. This will save you time and make sure they don't miss some important information.
Thanks for letting me help you & your family; I'm looking forward to talking with you soon!
Sincerely,
Ken
951-760-3833
CA DRE License #01418440
www.KenHallProperties.com
*********************
Friday, March 2, 2012
You Never Know How Long Your "Dash" Is
********************
I want to do something a little different today. A couple of week's ago, I was in a cemetery where I saw a grave marker that reminded me of one of my favorite poems.
Sometimes we rush through life so fast, we forget what's important. I just want to slow down for a minute and read something to you. I hope this speaks to you like it did me. Here goes; it is called:
THE DASH
I read of a man who stood to speak at the funeral of a friend.
He referred to the date on the tombstone from the beginning, until the end.
He noted that first came the date of birth; the second date, he noted with tears.
But he said that what matters most of all, was the dash between the years.
For that "dash" represented all the time spent alive on the face of the earth.
Now only the loved ones left behind knew what that little line was worth.
For it matters not how much we own, the cars, the house, the cash.
What really matters is how we live and love and how we spend our "dash".
So think about this long and hard, are there things you'd like to change?
For you never know how much time is left, you could be at "dash" mid-range.
Should you be less quick to anger and show appreciation more?
Should you love the people in your life, like you've never loved before?
Should you treat others with more respect and more often wear a smile?
Remember that your special "dash" might only last a little while.
So when your eulogy is being read, your life's actions to rehash, will you be pleased with what they have to say about how you spent your "dash"?
Thanks for joining me today. I think I'm going to go call a friend I haven't spoke to in awhile and see if he's got time to go have a cup of coffee.
Sincerely,
Ken
www.KenHallFinancialGroup.com
951-760-3833
********************
I want to do something a little different today. A couple of week's ago, I was in a cemetery where I saw a grave marker that reminded me of one of my favorite poems.
Sometimes we rush through life so fast, we forget what's important. I just want to slow down for a minute and read something to you. I hope this speaks to you like it did me. Here goes; it is called:
THE DASH
I read of a man who stood to speak at the funeral of a friend.
He referred to the date on the tombstone from the beginning, until the end.
He noted that first came the date of birth; the second date, he noted with tears.
But he said that what matters most of all, was the dash between the years.
For that "dash" represented all the time spent alive on the face of the earth.
Now only the loved ones left behind knew what that little line was worth.
For it matters not how much we own, the cars, the house, the cash.
What really matters is how we live and love and how we spend our "dash".
So think about this long and hard, are there things you'd like to change?
For you never know how much time is left, you could be at "dash" mid-range.
Should you be less quick to anger and show appreciation more?
Should you love the people in your life, like you've never loved before?
Should you treat others with more respect and more often wear a smile?
Remember that your special "dash" might only last a little while.
So when your eulogy is being read, your life's actions to rehash, will you be pleased with what they have to say about how you spent your "dash"?
Thanks for joining me today. I think I'm going to go call a friend I haven't spoke to in awhile and see if he's got time to go have a cup of coffee.
Sincerely,
Ken
www.KenHallFinancialGroup.com
951-760-3833
********************
Friday, February 10, 2012
Are You Paying 50 to 500% Interest On Your Taxes?
********************
During tax time I see all kinds of companies that advertise about paying you in advance for your income tax refund check. It seems like these are OK deals until you get out your trusty old calculator.
I bet you thought loan sharking was illegal didn't you? Well, I thought so too until I did the math on something that so many people fall for.
Several of the well-known income tax preparation services offer these advance loans, so they seem legitimate. However, the amount of cash charged to receive your loan back a few days sooner is outrageous and should be criminal!
According to a report by the National Consumer Law Center, refund loans cost the average person using them anywhere from 50 to 500 percent interest!
To receive a loan on a refund; the average consumer will pay a refund account fee and a bank fee, as well as a fee for the tax preparation. Because most of these tax filings are simple, taxpayers could e-file and use the additional $70-$150 themselves.
But either way, to pay a 500% interest rate on those funds, when just waiting a few weeks would eliminate this highway robbery, is probably not in your best interest. If somebody you know is getting ready to do this, let them know what you know now.
I am always looking to do what is in your best interest. Anytime you need some honest answers, or accurate information, just give me a call or drop me an email.
Oh, by the way, many of you have been thinking about the buyer's market out there; don't wait too long to get a piece of the pie! Now really is the time to take a look at it.
If the price of your home falls, you lose your option to even think about doing it. Let's at least just see what your options are. It will cost you nothing to review your options, and options are a wonderful thing!
I look forward to talking with you soon!
Sincerely,
Ken
951-760-3833
www.KenHallFinancialGroup.com
*********************
During tax time I see all kinds of companies that advertise about paying you in advance for your income tax refund check. It seems like these are OK deals until you get out your trusty old calculator.
I bet you thought loan sharking was illegal didn't you? Well, I thought so too until I did the math on something that so many people fall for.
Several of the well-known income tax preparation services offer these advance loans, so they seem legitimate. However, the amount of cash charged to receive your loan back a few days sooner is outrageous and should be criminal!
According to a report by the National Consumer Law Center, refund loans cost the average person using them anywhere from 50 to 500 percent interest!
To receive a loan on a refund; the average consumer will pay a refund account fee and a bank fee, as well as a fee for the tax preparation. Because most of these tax filings are simple, taxpayers could e-file and use the additional $70-$150 themselves.
But either way, to pay a 500% interest rate on those funds, when just waiting a few weeks would eliminate this highway robbery, is probably not in your best interest. If somebody you know is getting ready to do this, let them know what you know now.
I am always looking to do what is in your best interest. Anytime you need some honest answers, or accurate information, just give me a call or drop me an email.
Oh, by the way, many of you have been thinking about the buyer's market out there; don't wait too long to get a piece of the pie! Now really is the time to take a look at it.
If the price of your home falls, you lose your option to even think about doing it. Let's at least just see what your options are. It will cost you nothing to review your options, and options are a wonderful thing!
I look forward to talking with you soon!
Sincerely,
Ken
951-760-3833
www.KenHallFinancialGroup.com
*********************
Friday, January 20, 2012
How to receive a larger IRS Tax Refund!
*******************
I’ve been in the mortgage and real estate industry for more than 20 years. Wow! How time flies!
Perhaps the greatest benefit of my profession is I get to deal with clients from every profession and occupation imaginable and many of these good folks prove themselves to be not just competent, but absolutely great at what they do for their livelihood.
So with tax season fast approaching, I would like to give you another valuable gift … The Best Tax Preparation Service I’ve ever used: Hazboun Tax Service.
Here’s the deal. Clients are always asking me for advice regarding … well, you name it: tile installer, carpet installer, attorney, plumber, handyman, dentist, etc. And I’m always happy to oblige because I almost always know someone I know personally and am proud to recommend.
So with Tax Season approaching I thought I should be proactive.
I realized over the last few years I’ve been asked by several clients if I knew of a good tax preparer I could recommend. I gladly recommended Al and Rima of Hazboun Tax Service and didn’t give it a second thought.
But an interesting thing happened. Each and every time, the client I referred called me back later and thanked me for it!
Why?
Because they received either a larger tax refund or larger tax savings than they had ever received before! … or they successfully resolved a problem or dispute they were having with the I.R.S.
Put simply, Al and Rima are the best! You can call them at 951-246-0497, or email at Hhzbntax@yahoo.com.
And by the way, I don’t just recommend them, I also use them for my own individual and business tax preparation.
Hope your new year is off to a great start!
Sincerely,
Ken
951-760-3833
www.KenHallProperties.com
**************************
I’ve been in the mortgage and real estate industry for more than 20 years. Wow! How time flies!
Perhaps the greatest benefit of my profession is I get to deal with clients from every profession and occupation imaginable and many of these good folks prove themselves to be not just competent, but absolutely great at what they do for their livelihood.
So with tax season fast approaching, I would like to give you another valuable gift … The Best Tax Preparation Service I’ve ever used: Hazboun Tax Service.
Here’s the deal. Clients are always asking me for advice regarding … well, you name it: tile installer, carpet installer, attorney, plumber, handyman, dentist, etc. And I’m always happy to oblige because I almost always know someone I know personally and am proud to recommend.
So with Tax Season approaching I thought I should be proactive.
I realized over the last few years I’ve been asked by several clients if I knew of a good tax preparer I could recommend. I gladly recommended Al and Rima of Hazboun Tax Service and didn’t give it a second thought.
But an interesting thing happened. Each and every time, the client I referred called me back later and thanked me for it!
Why?
Because they received either a larger tax refund or larger tax savings than they had ever received before! … or they successfully resolved a problem or dispute they were having with the I.R.S.
Put simply, Al and Rima are the best! You can call them at 951-246-0497, or email at Hhzbntax@yahoo.com.
And by the way, I don’t just recommend them, I also use them for my own individual and business tax preparation.
Hope your new year is off to a great start!
Sincerely,
Ken
951-760-3833
www.KenHallProperties.com
**************************
Why some credit cards shouldn't be "in your wallet"!
******************
As I have shared in the past, your credit score effects how much you pay for car insurance and homeowners insurance, and it determines the interest rate you will have for your car payment, your mortgage, credit cards and the list goes on and on.
As you can see, having a great credit score can save you money in so many ways. So any secrets that teach you how to optimize your credit score are certainly good secrets to know.
Did you know that if you are "maxed out" on your credit cards it hammers your credit score almost as much as if you had a late payment? (Maxed out is when your credit limit and credit balance are real close to being the same.)
Did you know that some credit card companies do not report to the credit bureaus what your maximum credit limit is? Now you may think that's a good thing, but it's not. You see, if there is no maximum credit limit reported, the credit bureaus assume that you are "maxed out" and this mis-information hits your credit score almost as much as a late payment does.
So a key strategy for raising your credit score is to make sure that your credit card company publishes your maximum allowable credit limit to the credit bureaus so that you don't get falsely accused of having reached your limit.
If you need help figuring out which companies may be using this or other dirty little secrets against you, give me a call and I'll be happy to help!
Now I have a quick favor to ask of you. Would you please be my ears for me? If you hear that any of your friends, family members or co-workers are even thinking of buying or selling, their home, would you please share my information with them so that I can help them too? I promise to take great care of them. Thanks so much, I appreciate and honor your trust.
Feel free to forward this tip to your friends so that they can take advantage of this key service also. I look forward to hearing from you soon!
Sincerely,
Ken
951-760-3833
www.KenHallProperties.com
*************************
As I have shared in the past, your credit score effects how much you pay for car insurance and homeowners insurance, and it determines the interest rate you will have for your car payment, your mortgage, credit cards and the list goes on and on.
As you can see, having a great credit score can save you money in so many ways. So any secrets that teach you how to optimize your credit score are certainly good secrets to know.
Did you know that if you are "maxed out" on your credit cards it hammers your credit score almost as much as if you had a late payment? (Maxed out is when your credit limit and credit balance are real close to being the same.)
Did you know that some credit card companies do not report to the credit bureaus what your maximum credit limit is? Now you may think that's a good thing, but it's not. You see, if there is no maximum credit limit reported, the credit bureaus assume that you are "maxed out" and this mis-information hits your credit score almost as much as a late payment does.
So a key strategy for raising your credit score is to make sure that your credit card company publishes your maximum allowable credit limit to the credit bureaus so that you don't get falsely accused of having reached your limit.
If you need help figuring out which companies may be using this or other dirty little secrets against you, give me a call and I'll be happy to help!
Now I have a quick favor to ask of you. Would you please be my ears for me? If you hear that any of your friends, family members or co-workers are even thinking of buying or selling, their home, would you please share my information with them so that I can help them too? I promise to take great care of them. Thanks so much, I appreciate and honor your trust.
Feel free to forward this tip to your friends so that they can take advantage of this key service also. I look forward to hearing from you soon!
Sincerely,
Ken
951-760-3833
www.KenHallProperties.com
*************************
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