Thought of the Month
"The price of anything is the amount of life you exchange for it."
- Henry David Thoreau

Common Mortgage Pre-Approval Requirements

Whether you're buying your first home or moving up, a mortgage pre–approval is a valuable tool to have in your negotiating arsenal. Because pre–approved homebuyers have already had their income, debt and credit history investigated by a lender, home sellers see them as a safer bet—and treat their offers accordingly. Make a bid on a home with a pre–approval letter in hand and you may even score a lower purchase price or get the upper hand when asking for concessions... more

Car Emergency Kit Essentials

We spend a lot of time in our cars these days; commuting to work, school, extracurricular activities and day to day errands. Although space inside your car is at a premium, these items can be very important should you find yourself in a situation that requires some extra supplies. Take some time to put together a tote with the items below to make sure you're prepared for any emergencies that may arise... more

Two Less-Obvious Reasons for a Falling FICO Score

Two Less-Obvious Reasons for a Falling FICO Score

Whether you're preparing to buy a home or refinance a loan, few things are as disconcerting as a credit report showing an unexpected drop in your FICO score—especially if you've been paying all your bills on time. While delinquencies are perhaps the most common cause of score reduction, one of these less obvious factors may be at work... more

Is Your Perspective Affecting Your Health?

Do you tend to see the glass as half full or half empty? If you answered with the latter—indicating a negative perspective on life—you're likely to experience stressful emotions such as fear, anxiety, anger, jealousy and disappointment more often than someone who views the world through a more positive lens does... more

How to Hire a Mover

Whether your family is moving up or your kids are moving out, the services of a professional moving company can make a stressful process easier. Consider these tips to help you find the right one... more

Are You a Gambler or an Investor?

According to, gambling is defined as both "The activity or practice of playing at a game of chance for money or other stakes" and "The act or practice of risking the loss of something important by taking a chance or acting recklessly." They define investing, on the other hand, as "To put money to use, by purchase or expenditure, in something offering potential profitable returns, as interest, income, or appreciation in value."... more

Understanding Malware

Apple, Facebook, the Los Angeles Times—malware has infected the computers of numerous businesses. Home computer users are not immune to malware's dangers. Data collected revealed that malware infected 13 percent of home networks in North America... more

Fab French Onion Soup

A hot bowl of soup on a cool day can make your home feel cozy and inviting... more

This Newsletter Is Compliments Of:
Marlene Schell
Diana Wood
Janet Thompson
Lisa Davis
(714) 891-1936 - (562) 594-9721