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.