January 2019

Florence’s…

Warning Before You Sell Your Home... Don’t put your home on the market without my Free Consumer Guide titled, “ How To Avoid 7 Costly Mistakes When Selling Your Home .” My exclusive report will give you all the facts for a fast, top dollar sale. Just call 805-701-8410 anytime, 24 hours, and I’ll rush a copy out to you for free or go to BchRealEstate.com. 60+ years old:  Ensure all investments are in low-risk plans to protect assets.  Manage money meticulously and maintain access to credit so you’re ready for unexpected expenses.  Downsize as appropriate and focus on investing in things you’re truly passionate about, but avoid taking on new debt. Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…” Top Money Tips At Any Age We can’t get through life without navigating money, but where your financial focus depends, in part, on where you are in your life. Here are some helpful financial management tips by decade: 20-30 years old:  Maintain a meticulous budget. Apps like Mint.com can help you track expenses.  Set up an emergency savings account with 3-6 months’ worth of living expenses.  Transfer credit card balances to a 0% card and focus on paying it off.  Begin paying down student loans and other debt. 30-40 years old:  Contribute to a retirement account. Maximize employer matching plans.  Actively build assets by investing in stocks, bonds, and real estate.  Keep a low credit card balance with an eye toward increasing your credit score.  Open college savings accounts for children. 40-50 years old:  Review and realign savings goals for your current lifestyle. Use a life expectancy calculator to help reach retirement goals.  Create a plan to pay off your mortgage by the time you retire.  Protect assets and earning power with supplemental life and disability insurance. 50-60 years old:  Track monthly spending. Make adjustments as needed to prepare for retirement.  Consider circumstances like geriatric parents who may need financial assistance.  Put extra effort toward eliminating debt. Pay off credit cards in full every month. 

Buying A Home Soon-for the first time? Get my Free Consumer Guide, “Top 10 First-Time Homebuyer Mistakes to Avoid.” Call me right now at 805-701- 8410 for details…or download from my web site.

January 2019 Oxnard, California

Inside This Issue…

Money Tips Throughout Your Life…Page 1

Mold and Bacteria in Your Coffee Maker?…Page 2

Garage Organization Tips…Page 2

Joy And Happiness As A Caretaker…Page 3

Answer This Trivia Question to be eligible to enter the drawing for $75 Gift Card for Lure Restaurant… Page 4

How Can I Be Sure I Have a Properly Written Contract?…Page 4

Delete this small text box, then click to select the cartoon. Right-click, choose “change picture” is easiest way to place right cartoon

Get Free money-saving home tips at my web site: BchRealEstate.com