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Omni Services S.A. de C.V. Gordon Herpst’s…

Service For Life! ®

Insider Tips for Healthy, Wealthy and Happy Living

Inside This Issue…

 7 Major Financial Mistakes & How To Avoid Them.
Save Money On These Simple Home Repairs
Fun Facts and Laughs:
What To Do If Your E-mail Is Hacked
Great Travel-Planning Websites, And More
Trivia Challenge:
Real Estate Corner Q&A: My Home Didn’t Sell The First Time. What Should
I Do Now To Get It Sold?..

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 Gordon2  Gordon Herpst
Omni Services S.A. de C.V.
Alvaro Obregon 460-C
La Paz,B.C.S., 2300
Mexico
Phone: 52(612)123-4888
Email: omnilapaz@gmail.com,buildgreenmx@gmail.com

personalizedtravelagency.com

March 2014

Dear Subscriber

All it takes is one emergency to disrupt your short-term financial goals such as taking a vacation this year or even long-term plans for when you can retire. That’s why I want to share how to avoid seven major financial mistakes in this month’s Service For Life!® Free consumer newsletter.

You’ll also learn three do-it-yourself home repairs that will save you money, fast fixes if your e-mail is hacked, and great travel websites to plan your next trip – plus fun facts, a trivia challenge, and lots more.

 Gordon Herpst

Omni Services S.A. de C.V.

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?

They may be people wanting to retire this year, and you can tell them about my service here in La Paz.

 

Today’s Brain Teaser . . .

People are hired to get rid of me.
I’m often hiding under your bed.
In time, I’ll always return you see.
Bite me and you’re surely dead.
What am I?

(see answer below)

7 Major Financial Mistakes & How To Avoid Them

Watch out for these seven mistakes that could cost you big time:

  1. Not having an emergency fund. Keep at least three months’ worth of your expenses in an account so you’re not using credit cards to pay for unexpected events, such as a job loss or medical expense.

 

  1. Not having a budget. Take your income minus your fixed expenses, and the difference is what you can spend each month. Track your spending using tools like www.mint.com.

 

  1. Not saving for retirement. Be sure to take advantage of your employer’s retirement savings plan, and open your own retirement savings account.

 

  1. Not paying bills on time. Late payments affect your credit score. Sign up for a free service such as www.manilla.com, which lets you organize your bills in one place and sends you bill pay reminders.

 

  1. Not planning for your children’s education. Consider investing in a 529 education savings plan or look at a program such as www.Upromise.com, which lets you save money for college by purchasing from major online retailers. Also, research scholarship opportunities for your student at www.fastweb.com.

 

  1. Not monitoring your credit history. Get a free credit report every year from the three credit reporting companies by going to www.annualcreditreport.com. Check it for accuracy to ensure you’re not a victim of ID theft or fraud.

 

  1. Not paying down credit card debt before everything else. If your credit card interest is 20% and your mortgage interest is 5%, pay off the credit card debt to avoid paying more in interest over the long term. To learn how long it will take to pay off your credit card, use the www.bankrate.com under “credit card”.
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Learn How To Maximize The
Value Of Your Home!

Did you know that you can increase the value and salability of your home by painting, refurbishing your landscaping, throwing out all the trash and general clean up.  Gives the house much better curb appeal.

Save $$$ On Home Repairs

Sometimes you can just do-it-yourself. Here are three simple home repairs almost anyone can do:

Caulking. Save energy costs by using caulk to seal air and water leaks. Use 100% silicone caulk (available at a hardware store), because it’s waterproof and shrink-resistant. Remove old caulk with a razor blade, outline the area with masking tape, and use a caulk gun to apply new caulk. Smooth it with your finger and remove the tape.

Cleaning grout. If you’re tired of scrubbing, buy a grout color restorer at Home Depot or Lowes. Stone Care International’s Grout Ink, for example, comes in white, earth tone, or gray for about $8 a tube. Clean the surface, apply a coat and let dry. Do a second coat.

Fixing squeaky doors. Shut the door and pull out the center pin from one hinge. Clean the pin with a scrubbing pad and coat it with petroleum jelly. Put the pin back in and open and close the door a few times. Repeat with other hinges if necessary.

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ROONEYISMS

I’ve  learned…. That when  you harbor bitterness, happiness will dock elsewhere.  

Fun Facts and Laughs

Great Travel-Planning Websites . . .

www.tripit.com – Create a detailed itinerary of car rentals, restaurants & hotels, and even keep up with the weather.

www.lonelyplanet.com – Follow the discussions of those who have just come back from your travel destinations.

www.plnnr.com – Create free automatic travel itineraries for major cities in the U.S. and Europe.

http://personalizedtravelagency.com
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What To Do If Your E-mail Is Hacked . . .

If your friends and family say they got a spam message from you, your email may have been hacked. Try these fixes:

Change your e-mail account password. Use phrases, upper/lower case letters, numbers, and symbols. Don’t use your birthday!

E-mail your contacts immediately. Tell them your account was hacked and they shouldn’t open your e-mails containing suspicious links or requests for money.

Check your security levels. Firewalls usually block hackers. Do an anti-virus update and run a scan on your system.

Don’t click on anything in suspicious e-mails. That’s probably how your e-mail got hacked in the first place.

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Remember These Classic Candies? . . .

• Bit-O-Honey — Honey-flavored taffy guaranteed to remove your fillings.

• Bubble-gum cigars & cigarettes — Yes, they sold these to kids!

• Little Wax Bottles filled with a sugary liquid — you can still find them out there!

• Clark’s Teaberry Gum — It even had its own song called The Teaberry Shuffle.

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GREAT PROPERTIES AVAILABLE 
IN THE LA PAZ AREA

Check our  local MLS to search for your lot, dream home or condo on my web site.  Go to http://osmx.com and click on the Baja MLS link

 

Trivia Challenge for the Month…

Last month’s Trivia Question? 
What was the highest grossing movie of the 1990s?

a) Titanic   b) The Lion King   c) Jurassic Park   d) Men In Black

The answer is a) Titanic, which had $658 million in ticket sales. So, let’s move on to this month’s trivia question.

Who holds the record for the most consecutive victories on the PGA Tour?
a) Jack Nicklaus
b) Tiger Woods
c) Byron Nelson
d) Arnold Palmer

 

 

Brain Teaser Answer:

Dust

Thanks For Thinking of Me!

Did you know I can help you or any of your friends or family save time and money when buying or selling a home  in the La Paz area? Thanks for keeping me in mind with your referrals…and spreading the word about my services.

Real Estate Corner Q & A . . .

Q.  I just took my home off the market because it didn’t sell. What can I do now to try to sell it again?

 

A.  The biggest things to consider are the home’s price and its condition.

You may have set the price too high, keeping buyers and real estate agents away. If you lowered your price in increments, it may have been too late since it was already viewed as an “overpriced” home. Also, look at your home’s condition from a buyer’s perspective. Is there more you can do to make it stand out from other homes for sale?

It may be time to hire not just a REALTOR®, but a Home Marketing Expert. This is an agent who understands your needs and can use their expertise to re-evaluate the price plus share easy ways to make your home appear more attractive to buyers.

Do you have a question you want answered related to real estate or home ownership in Mexico? Feel free to email me at omnilapaz@gmail.com Perhaps I’ll feature your question in my next issue!

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THANK YOU… for reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them…
You received this email because you requested it, are on the mailing list, or a friend forwarded it to you.

Disclaimer:  The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical or other professional services advice.  Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.

Copyright (c) 2014 by Forte Communications, Inc.

 


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Omni Services S.A. de C.V.
Alvaro Obregon 460-C
La Paz, Baja California Sur 23000
MX