LA Beach Business Council

LA Beach Business Council Presents:

"Making the Most of the Mortgage Mess"
With Certified Mortgage Planning Specialist Joe Ruymen

Thursday July 24, 2008 - 6:30PM
3625 Del Amo Blvd. Suite 360 Torrance, CA 90503

Join us for this community town hall event:

• New Home Financing Options
• New FHA Guidelines that benefit buyers and sellers
• Down Payment Assistance Programs
• First Time Home Buyer Information Packets
• Tax Advantages
• Finding the best deals in our current real estate market
• How to get a list of REO and foreclosed properties
• Helping family and friends who could be facing difficulty with their mortgage payments

RSVP with: Nancy Franco | (310) 406-3515 | NFranco@RPM-MTG.com

For additional information about joining the LA Beach Business Council call: (310) 745-1600

Handling Market Volatility

Conventional wisdom says that what goes up, must come down. But even if you view market volatility as a normal occurrence, it can be tough to handle when it's your money at stake. Though there's no foolproof way to handle the ups and downs of the stock market, the following common sense tips can help.

Don't put your eggs all in one basket

Diversifying your investment portfolio is one of the key ways you can handle market volatility. Because asset classes typically perform differently under different market conditions, spreading your assets across a variety of investments such as stocks, bonds, and cash equivalents (e.g., money market funds, CDs, and other short-term instruments), has the potential to help reduce your overall risk. Ideally, a decline in one type of asset will be balanced out by a gain in another, but diversification can't eliminate the possibility of market loss.

Vitamins for Vitality

People often wonder about taking vitamins. Should I bother? Are they worth the money? Which ones should I take? In order, the answers are yes, yes, and take any brand with which you feel comfortable.

Why take vitamins at all? The purpose of supplementation is to cover all bases -- to make sure they're covered. How can you be sure your diet contains all the cofactors and trace minerals needed to make your metabolism work correctly? And what about all the antioxidants that fight free radical formation and the phyt­onutrients that seem to have so much benefit in cancer prevention?

Continue reading "Vitamins for Vitality" »

Rejection is good?

The Law of Probabilities
By Brian Tracy

When I started my selling career, I received the three-part sales training program, common to most companies in America: Here are your cards, here are your brochures, and there's the door!

Seventy percent of professional sales people have not been trained beyond product knowledge. Many people running businesses have not been in the sales trenches, and they do not appreciate how essential it is for sales people to be thoroughly trained in every aspect of the profession before they are sent out the first time.

Mortgage changes can save you money

The Economic Stimulus Package that was signed into law included an immediate increase in both the FHA and conforming loan limits to as high as $729,750 in our high cost LA Beach neighborhoods.

This means that the interest rates on many mortgages will go down because these loans are now eligible to be purchased by Fannie Mae and Freddie Mac or insured by the Federal Housing Administration (FHA). Previously, the FHA was only allowed to insure loans with balances lower than $200,160 - $362,790, depending on the county where the property was located.

What does all of this mean for you?

Homeowners Insurance: Do you have the right coverage?

There are different types of policies which provide protection to your home.  There are those that cover basic perils, but do not offer, for example, theft or Extended Replacement Cost for the dwelling.  Extended Replacement Cost is an additional amount of coverage, usually 125% or 150% of the dwelling amount.  It acts as a “buffer” in the event you need more than the dwelling amount specified on the policy at the time of a loss.  With this, you will not find yourself underinsured.

Health & Wellness: Back Pain - Am I At Risk?

Are there risk factors for back pain?  And, if there are, what can I do to keep myself healthy and well? Your chiropractor can help answer these questions and more.

One primary risk factor relates to exercise.  Everyone has heard, "if you don't use it, you lose it". If you're not exercising regularly, your back muscles are deconditioned and much more susceptible to injury - the strains and sprains we're accustomed to calling "back pain".

Read the full text of the article

The More You Do

By Brian Tracy

You have heard the old saying, "The more you do of what you are doing, the more you will get of what you've got."

Your goal should be to make 2008 your most productive and highest paid year so far, until 2009. To achieve this goal, you will have to do something different from what you are doing today.

There are only four ways that you can change your business and your life. Here they are:

1. You can do more of certain things. What are the things that you should do more of? Obviously you should do more of the things that are working the very best for you already.

The LA Beach Business Council: 2008

The LA Beach Business Council was formed to handle all of you health, home, & financial needs. 

Each Council member is a proven leader in their unique profession.  They all come together to serve you along our beautiful beach community.

When you think of professionalism along the LA Coastline think of the LA Beach Business Council.