When peer-to-peer payment (P2P) apps and mobile wallets make it so easy to spend cash in a flash, it’s good to have a roadmap you can follow to stay on top of your expenses. This information provides some strategies to help you account for cashless means of spending in your budget. Get tips on how to spend responsibly when it comes to P2P apps and other contactless methods of payment. Plus, check out a few great budgeting apps to keep you on track along the way. So whenever you tap your phone or card to pay, you’ll know exactly how that fits into your budget — even if it didn’t actually feel like spending!

As we come through the impact of COVID-19, contactless forms of payment have become more common over the past several months and, going forward, will be important in everyday life. Contactless payment tech is easy to use and healthier than exchanging cash, making it an attractive option for consumers looking for safety and convenience at the grocery store, takeout counter or in some cases, the gas pump.
 
As this technology continues to catch on in your community, and across the world, we wanted to send you a quick guide to how it all works. The information we are sending this month explains the various forms of contactless payment and where you can use it, plus some security tips for paying with your phone. You’ll learn more about popular peer-to-peer payment apps that allow you to pay someone back without handing off cash.
 
Our society isn’t going totally cashless anytime soon, but contactless payment is proving to be a secure, cleaner option at the checkout counter. Hope this helps you out next time you’re on a grocery run!

Did you know that sleep is a huge part of any self-care routine? It’s an easy thing to overlook, especially if stress has you tossing and turning or spending late nights on Netflix. To truly reset and refocus after a difficult time, you need to physically refresh with some quality shuteye. Below is some information to help you understand how sleep works and some tips on how to adjust your routine for better night’s rest. You’ll start feeling more refreshed and re-centered in no time! 

The events of the past few months have been unparalleled. Now more than ever, it is important to stay on your A-game and keep your spirits lifted. Be sure to spend some time taking care of yourself!
 
As you continue to navigate your personal situation, we want to share some tips for focusing on your own well-being. The information we're sending this month includes ways to reset your goals and to reboot your routine so that you feel recharged and ready to support your family, friends and community. You’ll also learn a few helpful ways to practice self-care, so that your emotional wellness remains in great shape.
 
While we can’t control what happens to us, we can control how we view those situations. We hope this information helps you and your family stay strong, hopeful and encouraged as you move through your daily lives. If we can help in anyway, please do not hesitate to call!

​Social distancing doesn’t have to pause your social interaction! Fortunately, the digital world has made it easier than ever to stay connected with friends and family from afar. In the eReport below, you’ll find everything you need to know to plan the perfect online gathering. Learn what video platforms to use, how to send invites and even ways to play games or watch movies at the same time — but not in the same place. Enjoy! 

Recently, we have been receiving much information regarding COVID-19.  As we continue to navigate uncertainty together, it is important to remember that THIS TOO SHALL PASS. That’s why this month, we want to share information to help you prepare for life after these trying times.
 
Credit is one subject that will always be important, which is why this Item of Value is helping separate credit facts from fiction. No matter what your current financial situation is, you can use this information to become a credit master and strengthen your own score down the line.

There is also a breakdown of the different scoring models to highlight habits that will help you achieve credit success.
Even though the world seems to be on pause right now, the situation will pass. When it does, you will be ready to view your credit situation with fresh eyes and come out stronger, no matter where you started. In the meantime, please know that we are here for you and your family during these challenging times. If there’s anything we can do to help, do not hesitate to call. Stay healthy!

​Spending a day without leaving the house may have sounded like fun three months ago, but now that it’s our new normal, it’s a different story. By now, you and your family might be feeling a bit jumpy at home all day. If that’s the case, check out the information below — you’ll find five ways to liven up your time social distancing with games, crafts and cooking. These outside-of-the-box ideas will keep you and your family entertained at home, and even lead to a few positive memories. 

It can be a little scary to check the markets right now, wouldn’t you agree? But before you start to stress, we want to encourage you to take a step back. Now more than ever, it’s important to cut through the noise and seek out wisdom from industry experts whose research explains exactly what is going on with our economy. Check out the attached fact sheet — in an exclusive interview on The Brian Buffini Show podcast, real estate leader Brian Buffini spoke with Dr. Lawrence Yun, Chief Economist and Senior Vice President of Research at the National Association of REALTORS®, to separate market fact from fiction during these unusual times. The state of the market is constantly changing, but we hope this gives you some peace-of-mind as you navigate it. This too shall pass!

​Listen to the full interview, HERE!

We are living in unprecedented times!  Far more people are working from home than ever before. And many kids are spending far more time online with the rise in online education programs and (let's be honest) entertainment to curb those hours stuck at home with limited access to outdoor activities. 

With all this added online activity, it is more important than ever to be focused on cyber security!  Check out these tips below to help keep your business and family safe online while you follow the states protocol on physical distancing.

​As always, if there is anything we can do to help you, please give us a call!

To invest or not to invest, that is the question! An investment in real estate, if done responsibly, can significantly build your financial portfolio. It can be difficult to know where to start, but once you dive in, the return on investment can be quite lucrative.

This month, we're sending you information to help you understand investment properties — the things to know before you decide to buy. Get insights on choosing the right property, understanding the costs and working with tenants. You will also learn about the benefits of owning an investment home and the wonders it can work for your equity.

If you’re considering buying a second property in the near future, give us a call! We're happy to discuss what that process would look like for you, and offer some potential places to look into so that you make the smartest possible investment.

To hear about how the current  COVID 19 situation is affecting the local market, Click Here to see Rick's message.