Get Free money-saving home tips at my web site: BchRealEstate.com
Thanks For Thinking of Me!
Did you know I can help you or any of
your friends or family save time and
money when buying or selling a home?
Thanks for keeping me in mind with
your referrals…and spreading the word
about my services.
Brain Teaser Answer:
Meat!
Things Your Plumber Won’t
Tell You
Monday is a busy day – that’s when
wives call to get help repairing what
their husbands did over the weekend.
Loose toilet handles are an easy fix.
The part costs under $5. A plumber
will charge $100 just to show up.
If your garbage disposal jams, it is
easy to follow instructions in the
manual to reset it.
Useful Education Websites
www.scholaready.com
-- Learn how
to take your child to the next level.
www.time4learning.com
--
Help
your child with interactive lesson
demos.
www.kulsara.com
-- Check out the
math and science videos for kids.
THANK YOU
for reading my
Service For Life
!
®
personal newsletter.
I wanted to produce a newsletter that
has great content and is fun and
valuable to you. Your constructive
feedback is always welcome.
AND…
whether you’re thinking of
buying, selling or financing real estate,
or just want to stop by and say “Hi,” I’d
love to hear from you…
Florence Gadbois
Lic #01040021
RE/MAX Gold Coast
805-701-8410
florence@BchRealEstate.com
BchRealEstate.com
Disclaimer: The information contained in this letter is intended for
informational purposes. It should not substitute as legal,
accounting, investment, medical and other professional services
advice. Always seek a competent professional for answers to your
specific questions. This letter is not intended to solicit real estate
properties currently for sale.
Real Estate Corner…
Q. What homework should I do before I get a loan to buy a home?
A.
Here are three big tips many people don’t consider when buying a home:
Understand how much home you can afford
. Calculate the two
numbers bankers and mortgage lenders use to determine the how much
they will loan to you: payment-to-income ratio and debt-to-income ratio.
Understand the basics of home financing.
Your ability to afford a home
will be related to its price, your down payment (and the amount you’ll
finance), the interest rate and points of your loan, the term and the type of
your loan. Study these items and the relationship between them.
Save thousands by making your own mortgage acceleration payment
schedule.
Take your current monthly mortgage payment of principal and
interest and multiply that number by 13. Divide that total by 12 to get
your new “accelerated” monthly payment.
Want to learn more ways to save money? Ask for my Free Consumer
Report called
“7 Secrets For Saving Thousands When Financing Your
Home.”
Do you have a question you want answered related to real estate or home
ownership? Feel free to call me at 805-701-8410. Perhaps I’ll feature your
question in my next issue!
“Who Else Wants To Win
$75 Gift Certificate for The Italian
Job?”
Guess who won last month’s Trivia Question? I’m pleased to announce
the lucky winner of last month’s quiz. And the winner is…drum roll please:
Rich Little of The Colony was the first to correctly answer my quiz question.
What do the letters in Einstein’s formula E=mc
2
stand for?
a) E:energy, M:matter, C:calories b) E:electricity, M:matter, C:time
c) E:energy, M:mass, C:speed of light d) E:energy, M:mass, C:celsius
The answer is c)
In Albert Einstein's famous formula, it’s energy, mass
and speed of light
.
Don’t try to explain it – it’s impressive that you know
what the letters stand for!
So, let’s move on to
this
month’s trivia question.
What famous singer was told that he should “stick to driving a truck,
because you’ll never make it as a singer”?
a) Johnny Cash b) Elvis Presley c) Rod Stewart d) Brad Paisley
Call Me At 805-701-8410 OR Email Me At florence@BchRealEstate.com
And You Could Be One Of My Next Winners!