Last year I sent out a couple emails that started:

“Over the past two weeks, I have had so much I have wanted to say that I can’t seem to say anything at all.”

Well since I got so much positive feedback from the prior emails (and of course a year later I now have even more to say) I have decided it’s time for a sixth installment (yes, there will probably be a seventh and eighth as well)!

Maybe Volume 6 is your first volume, if so here’s how it works:

There are a lot of bullet points to read, a lot of links to follow (All in blue), and if you’re not careful, you might learn something before it’s done.

*Are you sick of junk mail? : I don’t know about you, but I am sick of credit card and mortgage pre-approvals. The junk mail continues to pile up. Well, now there is a way to put an end to unwanted junk mail! If you decide that you don’t want to receive prescreened offers of credit and insurance, you have two choices; you can opt out of receiving them for five years or opt out of receiving them permanently. Simply call toll free 1-888-5-OPTOUT (1.888.567.8688) or visit for details. The telephone number and website are operated by the major consumer reporting companies. When you call or visit the website, you’ll be asked to provide certain personal information, including your home telephone number, name, Social Security number, and date of birth. The information you provide is confidential and will be used only to process your request to opt out.

Reminder: If you have joint credit relationships, like a mortgage or a car loan with a spouse, partner, or other adult, you may continue to receive some prescreened solicitations until both of you exercise your opt-out right.

*Don’t go off the VERY deep end! :
If you fancy a dip in this pool, you’ll need a head for heights – it’s 55 stories up. But swimming to the edge won’t be quite as risky as it looks. While the water in the infinity pool seems to end in a sheer drop, it actually spills into a catchment area where it is pumped back into the main pool. At three times the length of an Olympic pool and 650ft up, it is the largest outdoor pool in the world at that height. It features an impressive, boat-shaped ‘Sky Park’ perched atop the three towers that make up the world’s most expensive hotel; the Marina Bay Sands development in Singapore.

*Isn’t the internet great? : Real Estate Internet Marketing is gaining much importance nowadays, as it is highly important for those who are engaged in selling real estate online. According to a survey conducted by a top-rated magazine, more than 75% of people lean on the internet in purchasing their dream home. Well, I have been giving my realtor partners a leg up on the competition by supplying them with a customized website for each and every listing! That’s correct; each listing has its own web address. It also posts to “craigslist” along with 10 other real estate centric websites. Imagine what that does for search engine optimization! Are you or someone you know trying to sell a house? I will gladly do a website for you. And the best part is that it’s free! Want to see one? Check this one out, and then send me an email.

*The internet isn’t always great: The internet is a great tool for a lot of things. All too often, though, we use the internet instead of trusting an expert. The internet becomes our “trusted advisor.” I have saved a ton of money over the past couple years listening to my “trusted advisors” and I am in no way, referring to the Internet. I’m referring to my financial planner, my accountant, my insurance agent, my realtor and of course my mortgage advisor (yes me!). A good, trusted advisor looks out for all your interests – not just those that fall in their fields of expertise. If you are in need of a good, trusting, honest advisor in any category, please send me an email.

*Americas Most Expensive Zip Code: The value of a home is based on the basic economic principle of Supply and Demand. When the number of buyers exceeds the number of sellers, home prices rise. Conversely, when sellers outnumber buyers, home prices fall. There’s always an opening price point for negotiation and that figure often factors in specifics like square footage, finishes, amenities and number of rooms. Location matters, too.

On a ZIP code-by-ZIP code basis, prices can vary wildly and it’s tiny 91008 – located in Duarte, California – that tops the 2010 Forbes list of America’s Most Expensive ZIP Codes. Home to fewer than 1,400 residents of Los Angeles County, the ZIP code’s median home cost is $4,276,462.
*Can you believe it? The Refinance Boom Has Outlasted Baseball Season! :
It’s been a long time since mortgage rates went up. We have to go back to late-March for that; just before the start of baseball season. During these last 23 weeks (the time it took the San Francisco Giants to win the 2010 World Series), conforming mortgage rates have dropped by nearly 90 basis points, or 0.90%.

Did you know that a homeowner who refinanced his mortgage in April could do another refinance today and make big savings? The monthly payment would be about 10% lower today versus April 2010. Because rates keep sliding, there’s double-dippers in this Refi Boom. Can’t blame them, either.

Remember: You don’t have to drop your rate by 1% to have a refi make sense. You only have to have your monthly savings dwarf your loan costs. To see if refinancing is a good idea for you send me an email.

*Money Saving Tip – Cut the Cable Cord: Have you looked at your cable bill recently? I know they tell you that having the “Triple Play” package saves you money, but do I need to spend the savings by upgrading to the “gold” cable package? With the internet these days, who needs 500 channels anyway? Try going “Basic” – you could save $30-$50 a month. Then check out the suggestions in this article for sources of free or super cheap programming and movies.

*Push to Walk and We-Care: Many of you know that I have joined the board of a local Not for profit called Push to Walk. We’ve recently partnered with to offer the We-Care Reminder. It allows us to receive a donation whenever you shop online at hundreds of participating merchants — at no extra cost to you. Whenever you visit a participating merchant, you’ll be given the opportunity to have a donation made. The Reminder is a browser extension for Internet Explorer and Firefox. It took me less than a minute to install on my own computer. It was a breeze to download, and it works great! Please help us out:

*Why do I need a mortgage advisor? If you had a mortgage advisor, you would already know if a refinance would be a good option for you. I am sure you get all kinds of mail telling you that you should refinance (see “Aren’t you sick of junk mail” above). Mortgage brokers make money by convincing people to refinance. Mortgage advisors make money by building long term relationships and referrals! Just because you qualify and it’s a lower rate, doesn’t mean you should refinance. Ask your mortgage broker how many qualified borrowers they turned away this year! Looking for a new advisor? It costs nothing – just email me about it.

*What is going on with rates? Mortgage rates have remained steady over the last couple months. If you haven’t discussed a refinance with anyone yet, what are you waiting for? Although it is impossible to guess when it will happen, rates will go up. Don’t miss out on saving a lot of money. I know you’re busy, but 30 minutes of your time could be worth thousands of $$$. Isn’t that worth making the time? Send me an email – I’ll make it easy on you!

*Building a referral Business: Sometimes you just have to ask for what you want. Many clients will be willing to refer you to friends or colleagues, but they may not even think about it unless you bring it up. Remind customers that referrals are a big part of your business, and ask them if they know of anyone that could benefit from your services. If you have done an exceptional job for them – as I strive to do for each and every one of my customers – chances are they will make an effort to help you in this way. So if you know anybody – please send me an email.