November 2018

Florence’s…

Service For Life ! “Insider Tips For Healthy, Wealthy & Happy Living…”



If you’re thinking about selling your home soon, request my Free Consumer Guide, “7 Insider Tips To Net More Money Selling Your Own Home.” Call me right now at 805-701-8410 for details…

Credit Union Or Bank: Which Is Best For You?

Thinking Of Selling Your Home Soon? Don’t attempt to sell your home without my Free Consumer Guide, “ 6 Steps For Selling Your Home For Top Dollar .” 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 the web site: click on For Sellers Financial and other benefits: Credit unions often pass on the savings from their non-profit status to customers. This means customers generally get higher rates on savings accounts and lower rates on loans and credit cards. However, banks tend to have credit card affiliations with sign-up bonuses and rewards programs for responsible card holders. There are essentially two options when it comes to storing your money: credit unions and banks. Credit unions are non-profit organizations that exist to serve a certain community whereas banks are for-profit enterprises that are generally more physically accessible. Both have pros and cons, and it’s important to consider your specific situation when deciding which to use. Customer service: Credit unions are owned by their members, and personal engagement is emphasized. As non-profit organizations, credit unions tend to be more focused on their community members versus banks. However, banks may be more likely to have 24/7/365 phone support. Convenience: The localized nature of credit unions means there are fewer branches. However, a CO-OP network among credit unions offers almost 30,000 surcharge-free ATMs across the United States, but your credit union needs to be a part of this network in order to take advantage of it. In general, national banks have a wide network of branches and ATMs, though regional banks may not have as many branches. Eligibility: Just about anyone can walk into a bank and open an account. Not so with credit unions, which cater to specific demographics or affiliations such as certain geographic areas, employee groups, or social groups. However, banks also typically have higher minimum balance requirements, making them less accessible for some people.

November 2018 Oxnard, California

Inside This Issue…

Should You Use A Credit Union Or Bank?…Page 1

Night Owl Vs. Early Bird…Page 2

Keep Rodents Out Of Your Car…Page 2

Bedroom Organization: A Checklist…Page 3

Answer This Trivia Question and You Could Win $75 Gift Certificate for Lure Restaurant...Page 4 Note: you have until the 10 th of the month to submit your answer Will I Net More Money If I Sell My Home Myself or Should I Hire a REALTOR® to Do It?…Page 4

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