Faites un message sympa à vos clients

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Faites un message Sympa à vos clients
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Tél: 02.48.58.59.15 de 09h00 à 12h00 et 14h00 à 18h00 email: contact@bigprintart.com Site: www.bigprintart.com Désabonnement de la liste de difusion bigprintart.com sur le site conformément à la loi informatique et libertés Nous respectons vos données personnelles. Si vous ne souhaitez plus recevoir d'e-mails de notre part,[Cliquez ici] Un délai de 10 jours peut être nécessaire à la prise en compte de ces modifications.

Faites un message sympa à vos clients

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Faites un message Sympa à vos clients
Un moyen économique pour présenter vos voeux
auprès de vos clients
POUR VOUS AIDER A CHOISIR
	«  Paiement
Kakémono 200x80cm + kit de fixation. Utilisation : intérieur, facile d'accrocher.
	sécurisé
Applications : évènementiel, animation commerciale, spectacle, manifestations sportives,
	«  Livraison en =
expositions, manifestations culturelles, signalétique, événementiel, promotion ...
	24/48 heures
Totem 200x80cm + sac de transport
	«  À votre écoute
Utilisation : intérieur, très économique et aussi très facile pour changer le décor
Applications : évènementiel, animation commerciale, spectacle, manifestations	33(0)2.48.58.59.15
sportives, expositions, manifestations culturelles, signalétique, événementiel, promotion .
Tél: 02.48.58.59.15 de 09h00 à 12h00 et 14h00 à 18h00 email: contact@bigprintart.com Site: www.bigprintart.com Désabonnement de la liste de difusion bigprintart.com sur le site conformément à la loi informatique et libertés Nous respectons vos données personnelles. Si vous ne souhaitez plus recevoir d'e-mails de notre part,[Cliquez ici] Un délai de 10 jours peut être nécessaire à la prise en compte de ces modifications.

Decore su auto y destaquese de su competencia

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Tél: 02.48.58.59.15 de 09h00 à 12h00 et 14h00 à 18h00 email: contact@bigprintart.com Site: www.bigprintart.com Désabonnement de la liste de difusion bigprintart.com sur le site conformément à la loi informatique et libertés Nous respectons vos données personnelles. Si vous ne souhaitez plus recevoir d'e-mails de notre part,[Cliquez ici] Un délai de 10 jours peut être nécessaire à la prise en compte de ces modifications.

How to Make Your New House a Home

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How to Make Your New House a Home

One of the most exciting moments of anyone’s life is buying their first home. However, after you wind down from the whirlwind of closing and cross that threshold for the first time, reality often sets in. For many new homeowners, it can be challenging to make a house feel like a home and, in an effort to quickly do so, many spend too much money unnecessarily.

With a little advance planning, you can make your new house a home without breaking the bank. Here, a few important tips to follow:

Furniture
Many first-time home buyers are coming into homeownership without suitable furniture—leftovers from their college dorm or parents’ basement won’t cut it in their first home. According to a study from the National Association of Home Builders, furnishings represent a substantial investment, with home buyers spending about $5,300 on furnishings during the first year after buying a home. Space out your home furnishing purchases—you don’t need to choose it all at once—and focus on the most necessary pieces first, such as a bed, living room sofa and dining room table.

Windows
If this is your first home, chances are you suddenly have a lot more windows to worry about…and ultimately enjoy! Again, don’t feel pressured to choose window treatments for every window in every room all at once. First, choose the areas where privacy is a must and work down the list from there over the coming months. In the meantime, enjoy the light and openness from uncovered windows and take your time deciding what type of window treatment will truly work best for each room.

Yard
This may also be your first experience in having a yard you are responsible for. Invest in a few key garden tools, such as hedge trimmers, a sprinkler, and possibly a lawn mower. Or check with your new neighbors to see if there is a resident teenager who will mow your lawn for a nominal fee. No need to invest big money in expensive landscaping services at first. Just focus on keeping your yard uncluttered and neat.

Appliances
While your first instinct might be to go out and get that huge flat screen TV you finally have room for, pause a moment to consider what other appliances need to take priority, such as a refrigerator, stove, or washer/dryer. While many existing homes usually come with appliances, a home buyer needs to take inventory as to whether or not they will need to purchase these big ticket items.

Tools
There is no more landlord to call when a home maintenance issue arises, so make sure you’re equipped to handle minor issues on your own. Otherwise, you’ll wind up spending unnecessary dollars on service providers. Many home improvement stores have tool sets you can purchase, but make sure it includes a hammer, screw drivers, pliers, wrenches, a tape measure and a staple gun.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi bcorsi@rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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6 Tips to Successfully Manage Money as a Couple

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6 Tips to Successfully Manage Money as a Couple

While discussions regarding finances don’t make their way to the top of the to-do list as often as they should, it’s more important than ever that couples take the time to sit down and discuss their finances and financial goals. Whether you already have a money management system in place—or you need help getting started—there’s no better time than the present. Not only will a well thought-out plan keep both of you moving in the same direction toward your goals, it will also help to open the lines of communication so that you and your partner can talk more freely about financial problems, concerns and decisions.

According to Jane Honeck, CPA and author of The Problem With Money? It’s Not About Money! offers the following money managing tips.

1. Talk, Talk, Talk. Money is still a taboo topic and we often don’t have a clear idea about how our partner thinks or feels when it comes to spending versus saving. Talking about your goals with your partner is a simple way to make sure you’re both on the same page when it comes to your finances.

2. Find Balance: Balance power around money. One person making all the decisions and having all the control when it comes to finances is often a recipe for disaster. Find ways for you both to be equally engaged in all money decisions.

3. Define Your System: Have a clearly defined money management system that covers everything from who handles the mail to who sends out the checks. Without a well thought-out plan in place, it’s more likely that things will fall through the cracks.

4. Address Problems: When problems arise, address them immediately (no secrets allowed). Avoiding the issue only makes it more toxic and drives a wedge in the relationship.

5. Perform Checkups: Schedule an annual money checkup. Things change and just like our physical health, money management needs an annual checkup to keep it healthy and relevant. Set aside time to sit down with each other and evaluate what’s working, what needs to be fixed and address any questions or concerns that either of you may have.

6. Keep the Lines of Communication Open. The most important thing to keep in mind when dealing with your finances is to continue to communicate with no blame or shame. We all have hang-ups around money, so it’s important to treat your partner with compassion when it comes to your finances.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi bcorsi@rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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Spécial banderole discount pour foires et exposiotions

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Safe Shopping Strategies for the Holidays

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Safe Shopping Strategies for the Holidays

In today’s financially challenging climate, identity theft and credit card fraud are crimes to be very aware of, especially as the holiday shopping season descends upon us. While many now have a heightened awareness regarding online shopping security, identity theft occurs offline as well. In fact, according to a February 2009 study by Javelin Strategy & Research, of the 9.9 million identity-theft cases reported in 2008, online theft accounted for only 11% of incidents. Stolen wallets, checkbooks, and credit and debit cards made up almost half.

Adhering to the following guidelines can help prevent this devastating type of crime—so important in a day and age when a good credit rating is of the utmost importance.

• Don’t carry your Social Security card in your wallet. Your Social Security number is the key to unlocking most everything about you. Make sure your Social Security number isn’t apparent on other items you may carry as well, such as your health insurance card.
• When you head out shopping, take only the credit and ATM cards you really need with you. Most of us carry around every card we own in our wallets on a daily basis, whereas if you only carried a couple of cards, you’d be in monumentally better shape should your wallet be stolen.
• We’ve all heard horror stories about ATM crimes. Try to use ATMs that are within a bank’s foyer, protected by a locked outside door, and/or in busy, well-lighted areas. If you’re using your ATM to buy goods at a store, make sure no one is invading the personal space behind you when entering your PIN.
• Be sure to select a non-obvious PIN, one that combines upper and lowercase letters and numbers—and NEVER write your PIN on a card or anywhere else—commit it to memory.
• People ask all sorts of questions these days, usually aimed at future marketing efforts. Before you give a store clerk your telephone number or a business caller your address, make sure you know who you are talking to and why they are asking for the information. You are usually under no obligation to provide this information, by the way.
• When shopping online, stick to businesses you trust and enter personal information only on secure Web pages with “http” in the address bar and a padlock symbol at the bottom of the browser window. Unless you shop very frequently at a particular vendor, avoid having your credit card and personal information stored in an account.
• Choose the credit cards you use online wisely. Try to use cards with smaller limits as opposed to your American Express card or checking account ATM. In the unfortunate event that your card information is stolen, a low credit limit will prevent thieves from doing much damage.
• Avoid even remotely suspicious emails and click-through links all together. Only bogus websites will contact you first and ask for account numbers or personal information. If the information is truly important, the sender will find another way to contact you. Unsubscribe to any “junk” email to help keep your inbox free and clear.
• Police your bills and checking account information on a regular basis. According to the U.S. Department of Justice, someone who gets your credit card number and expiration date doesn't need the actual card to charge purchases to your account. As soon as you see unauthorized charges on your statement, contact the credit card company immediately to report them; if you wait too long, you might not have any recourse.
• Properly dispose of all receipts, mail, and any papers you no longer need that may carry your personal information. Home office-sized paper shredders are available at reasonable rates.

As a Member of the Top 5 in Real Estate Network®, I have a wealth of real estate and homeownership information that may be of help to you. Feel free to contact me any time to learn more about this important information, and be sure to forward this article on to any friends or family that may be interested as well.

Sincerely,

Barbara Corsi bcorsi@rockcliff.com J. Rockcliff Realtors Office: 925-253-7045 Mobile: 925-788-7589 http://www.BarbaraCorsi.com

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As Mortgage Rates Dip Lower, Homeowners Should Consider Refinancing

Hello, Valued Member! Top 5 in Real Estate Network® Members are dedicated to providing you with the most up-to-date, helpful real estate information. This monthly newsletter, "Real Estate Matters," offers articles on a range of topics that will inform you in your real estate pursuits. Having trouble seeing this email? Click to view it as a web page. Add newsletter@rismedia-enews.com to your address book to ensure email delivery. Buying Selling Owning Financing Home Improvement My Website My Listings Barbara Corsi GRI, SRES Realtor J. Rockcliff Realtors My Website Member, Top 5 in Real Estate Phone: 925-253-7045 Mobile: 925-788-7589 Fax: 925-402-8022 bcorsi@rockcliff.com Top 5 Members are uniquely qualified to not only help you get educated on important information related to your real estate interests and pursuits, but make them as effortless as possible. Only Top 5 Members can provide you with the kind of exclusive information found here in Real Estate Matters - a monthly look at what's really happening in the housing market. It's a privilege to provide you with this important information. Enjoy this monthly e-newsletter, and as always, your feedback is welcomed - call or email any time! This Month's Top Story As Mortgage Rates Dip Lower, Homeowners Should Consider Refinancing RISMEDIA, Wednesday, November 02, 2011—Rates were already low at the start of the quarter, but following the Fed's recent announcement , the national average rate on a traditional 30-year, fixed-rate mortgage has inched lower. Informa Research Services, a subsidiary of Informa plc (LSE: INF), encourages qualified homeowners to take advantage of low interest rates and look to refinancing their current home loan. More Top Stories Experts' Forecast for 2011 Prices Improves RISMEDIA, Wednesday, November 02, 2011—The home price picture for this year is shaping up to be a little better than it looked in June, according to the September 2011 home price expectations survey of 111 leading housing economists and experts sponsored by MacroMarkets LLC.  How to Predict Local Home Prices RISMEDIA, Wednesday, November 02, 2011—You’re about to put an offer on a home, but you’re worried that prices will sink and you won’t get the best deal. You’re putting your home on the market and you want to get the most you can for it but you can’t wait forever to sell it. You’ve found a great deal on a foreclosure that looks like a great investment, but how will you know what will it be worth a year from now?  Is the Mortgage Debt Relief Act Safe? RISMEDIA, Wednesday, November 02, 2011—Homeowners, who go past 2012 with no loan mod and have to short sale, could have a huge tax bill. Some short sales take a year. Homeowners who wait until 2012 may have a short sale close in 2013 and face a huge tax bill.  Neighborhood Info in High Demand RISMEDIA, Wednesday, November 02, 2011—When people are looking for a new place to live, they usually want to know some key facts beyond cost and number of rooms: Most notably, they are curious about what is in the neighborhood and what their commute would be like. In fact, over three quarters of home shoppers rate being within a 30-minute commute to work as important, and two thirds of home shoppers rate being within an easy walk to grocery stores and restaurants as a key factor in deciding where to live.  Have You Heard About The Top 5 Real Estate Social Networking SystemSM? Sign up to receive my free, weekly e-Articles - brief, compelling, home-related informational articles that you or your family and friends will find helpful in pursuing your real estate goals! Here are some article samples recently sent out to my Real Estate Social Network: 5 Important Steps for First-Time Home Buyers 6 Ways to Navigate Health Insurance Decisions Considering a Home Equity Line? What You Need to Know Saving for College? How Much You Should Budget Email me for more information. * This monthly newsletter is brought to you by your Top 5 in Real Estate Network® Member Agent and is intended as educational information only. RISMedia's Top 5 Real Estate Network® is a network created by, for, and of "leading real estate professionals" who are dedicated to providing "leading real estate information to consumers." The RISMedia Top 5 in Real Estate Network is backed by the commitment and resources of RISMedia. Top 5 was created to fill a profound void in how high-impact consumer relevant information was presented by leading real estate industry members to increasingly sophisticated, discerning, and demanding consumers, in order to both sustain and elevate the ongoing viability and appeal of the industry's leading professionals. For more information, visit www.top5inrealestate.com RISMedia, publisher of Real Estate magazine, is dedicated to providing real estate professionals with the most up-to-date news, information and business development resources in the industry. To submit questions, comments, suggestion, press releases or story ideas, please e-mail realestatemagazinefeedback@rismedia.com. RISMedia, Inc./Top 5 in Real Estate Network® 69 East Avenue, Norwalk, Connecticut 06851 P (203) 855-1234 F(203) 852-7208 www.top5inrealestate.com © 2010. RISMedia, Inc. All Rights Reserved. This email is intended for: bcorsi3.lizzie17@blogger.com. If you wish to edit your subscription or unsubscribe from Real Estate Matters, please click here.