*** OUT LOOKING BEFORE THE BIG GAME ***

##### CHINO HILLS 4BD/2 BATH: MY NEW LISTING: AVAILABLE FOR PRIVATE SHOWING AT 909-910-2481 Cj #####

The Two Things You Don’t Need to Hear from Your Listing Agent

***** HI FOLKS ***** You’ve decided to sell your house. You begin to interview potential real estate agents to help you through the process. You need someone you trust enough to: 1. Set the market value on possibly the largest asset your family owns (your home) 2. Set the time schedule for the successful liquidation of that asset 3. Set the fee for the services required to liquidate that asset An agent must be concerned first and foremost about you and your family in order to garner that degree of trust. Make sure this is the case. Be careful if the agent you are interviewing begins the interview by: • Bragging about their success • Bragging about their company’s success An agent’s success and the success of their company can be important considerations when deciding on the right real estate professional to represent you in the sale of the house. However, you first need to know they care about what you need and what you expect from the sale. If the agent is not interested in first establishing your needs, how successful they may seem is much less important. Look for someone with the ‘heart of a teacher’ who comes in prepared well enough to explain the current real estate market and patient enough to take the time to show how it may impact the sale of your home. Not someone only interested in trying to sell you on how great they are. You have many agents from which to choose. Pick someone who truly cares. The KCM Crew

BABY BOOMERS !!

HEY BABY BOOMERS .... HAVE YOU BEEN THINKING ABOUT WHAT YOU WANT TO DO AFTER RETIRING ???? DOES THAT INCLUDED SELLING TO DOWNSIZE??? OR SELLING TO MOVE TO YOUR LONG AWAITED RETIREMENT HOME HERE OR IN A SPECIAL STATE ???? NEED SOME ADVICE ON PREPARATION??? IT IS HERE AT 909.910.2481 Cj

$$$ ~ 5 Credit Habits to Break in 2015 ~ $$$

$$$$ HI FOLKS $$$$ Ready to win your financial resolutions? Find out how to succeed in 2015. If you’re identifying 2015 — or even 2016 — as the year you make a major housing change, you’ll want to confirm that your credit behaviors are at their best. Buying a house is probably the biggest expense most of us ever take on in life. Your credit plays an important role in affording you access to the best terms available from your lender. If credit is on your list of things to improve next year, there are many options to tune up the ways you think about and interact with your credit. Knowing the smart solutions to improve your credit habits can take you far in the new year — especially with a big purchase ahead. 1. Being disconnected Habit to break: Not checking your credit report Resolution to make: Check your credit report regularly to know where your credit stands, and to make sure you’re prepared when it comes time to buy a home. Consider your credit report the road map to all your credit behaviors: It’s important to know how your report will look to lenders and others when they see it for the first time. 2. Overspending Habit to break: Running up or maxing out your credit cards Resolution to make: To show others you’re using credit responsibly, keep your spending under control and in accordance with the budget you’ve set. Keeping tabs on your spending now will also help you benchmark how changes to your budgeting will affect how you spend after your home purchase. 3. Managing balances Habit to break: Just paying the minimum balances due on your accounts Resolution to make: Bring down the balances you’re carrying by upping your payment amounts above the minimum — this can also save you interest over the long term. You’ll want to keep that extra money in your pocket (and hopefully earning some interest) while you look for that dream property. 4. Seeking too much Habit to break: Applying for credit indiscriminately Resolution to make: Seek out and accept new credit sparingly, so your credit-utilization rate won’t be seen as too high when applying for credit during your homebuying process. Lenders can be wary of applicants they feel might be trying to amass excessive credit and overspend. 5. Getting behind Habit to break: Making late payments on your accounts Resolution to make: Stay on top of your accounts to keep all your payments on time, every month — it’s even more important in the months you’re considering a big purchase like a home. It may be the most basic but most important way to show you’re consistently being responsible with your credit obligations. Challenging yourself by making it your New Year’s resolution allows you to take advantage of the months before your new home search begins to kick bad credit habits to the curb for good. You’ll want the peace of mind of knowing that when you discover that perfect listing, your credit is already in tiptop shape. Becky Frost

~ CALIFORNIA ASSOCIATION OF REALTORS ~

!!!~ HI FOLKS ~!!! I am proud to be a member of the California Association of Realtors, who are celebrating 110 Years of uniting Realtors and maintaining a Standard of Practice, Ethics and promoting California Home Ownership ~!!! Thinking of Buying or Selling ... Use a Realtor ... Call me for help at 909+.91.2481 Cj

** FRESH ON MARKET BY CJ ~ CHINO HILLS **

++++ Hi Folks ++++ Just Hit the Market *** Incredible Home, Single Story, 4 Bd/2 Bath, 1584 sf, Lot = 16,575 sf: Move in Condition; LISTED AT $550,000 *** Want a private viewing??? Call me at 909.910.2481 or email me at cjadvantage@verizon.net ***

2 Tips for Protecting Against Identity Theft During a Move

HI FOLKS .... A COUPLE OF TIPS FOR YOU .... ** Even when a move goes off without a hitch, it can still be one of life’s most stressful events. The last thing you want is to be caught off guard by a case of identity theft just as you’re settling into your new home. Unfortunately, moving can put a big target on your back for identity thieves. “Transporting documents and electronic devices that contain sensitive personal information, leaving a residence unoccupied and [losing] misdirected mail are all risks associated with moving,” said Stacey Vogler, managing director of insurance company Protect Your Bubble. If your stress levels are skyrocketing at the thought of having your identity stolen in the middle of your next move, take a deep breath and follow these five tips for protecting yourself against identity theft. 1. Choose a Reputable Moving Company.
While a great moving company can make your relocation easier and more efficient, dishonest movers can quickly turn the process into a nightmare. Don’t forget that moving professionals often have direct access to your private possessions and information, so you always should do research to make sure a company is trustworthy. Before you hire a mover, read customer reviews online and view a company’s rating with the Better Business Bureau, recommends Robert Siciliano, identity theft expert with BestIDTheftCompanys.com. 2. Keep Sensitive Documents Safe. 
If you’re holding on to a large number of old bills and financial records, reduce your risk by getting rid of sensitive documents you don’t need. “Sort through stored paperwork to determine what should be moved to the new location and what can be discarded,” Vogler said. Just make sure you’ve got a shredding machine handy to prevent identity thieves from combing through your trash or recycling bins for valuable information. Organize all the sensitive documents you want to keep and separate them from the belongings your movers will be handling. Vogler recommends storing your most important records—including passports, birth certificates and Social Security cards—in a locked safe that stays with you during the move. Anne Wynter, RISMedia

*** YEAR END 2014 ~ SUCCESSES FOR MY CLIENTS ***

#### FOLKS .... I CAN HELP YOU !~! ....BUY, SELL, LEASE AT 909.91.2481 Cj ####

GREAT EVENING AT KARL STRAUSS BREWING COMPANY

++++ HAD A GREAT TIME ... STARTED IN THE BAR WHILE WAITING FOR A DINNER TABLE AND SHARED A BAR TABLE WITH WHO I FOUND OUT LATER WERE 2 REALTORS ALSO.!!!! VERY NICE PEOPLE & A VERY SMALL WORLD .... THEN HAD A GREAT DINNER & WONDERFUL COMPANY !~! LOTS OF FUN !! ++++

*+* BEFORE & AFTER *+*

~~~ HI FOLKS ~~~ THIS IS A GOOD EXAMPLE OF MAKING A HOUSE, A HOME !! ~~~ TEMECULA SOLD HOME DECEMBER 22, 2014 ~~~ CALL CJ AT 909.910.2481 ~~~

COMING SOON !~!

#### HI FOLKS #### I HAVE 2 NEW LISTINGS #### BOTH ARE 4BD/ 2 & A 2.5 BATH HOMES #### ONE SINGLE STORY & ONE 2 STORY BOTH LOCATED IN CHINO HILLS #### MORE TO COME SOON #### CJ 909.910.2481 ####

MAKE YOUR DREAM COME TRUE

++++ Hi Folks ++++ Make it happen by calling 909.910.2481 Cj ++++

2 HELPFUL TIPS FOR 1ST TIME HOME BUYERS

*** Hi Folks ~ Here are a Couple of Tips for you *** Here are a few tips first-time buyers can take when trying to find their first home: Get clear on what you want – This is the most important part of your preparation. You are about to enter a shopping experience that is unlike any other. At times, it can be stressful and difficult. There is a lot of money on the line and a big commitment to be made, so prepare accordingly. Get clear on what you really want and what you are willing to compromise on. This will make your home shopping experience much more efficient and will give you a map to go off of should tensions run high. Take a look at this guide to buying your first home, which might help you narrow down your wants vs. needs. The better prepared you are, the better chance of having a smooth transaction. Do your research – Home shoppers today are more empowered than ever before. You have so much information at your fingertips. Go online and find the areas you want to live in. Narrow down the neighborhoods you want to consider to three or four, and focus on those. Learn about the cost of the things you really want and the cost of the things you can do without. The more knowledgeable you are the better you will be at negotiating a good deal. *** NEED SOME ADVISE ??? GET IT AT 909.901.2481 ~ Cj ***

ARE YOU THINKING ABOUT LOOKING ????

~~~~ HI FOLKS ~~~~ HAS THE THOUGHT CROSSED YOUR MIND ??? THINKING OF BUYING ??? SELLING FOR A LARGER HOME ??? OR DOWN-SIZING ??? HELP IS AT THE END OF THE LINE ... 909-910-2481 .... Cj ~~~~

~~~~ OPEN HOUSE TODAY~!~! ~~~~

########### OPEN HOUSE TODAY ST 3417 ALTURA AVE., CHINO HILLS CA. 91709 ########## TIME: 1pm TO 3:30pm ########## COME & TAKE A LOOK ######## OR CALL WITH QUESTIONS TO CJ 909.910.2481 #############

~ OPEN TOMORROW ~ 3417 ALTURA AVE. ~

))) HI FOLKS ((( ~ OPEN HOUSE 1/10/15 at 3417 Altura Ave., Chino Hills from 1pm to 3:30pm .... Come on by to view this House ... expand to your hearts content ... so many possibilities to make this house YOUR HOME!~!~! Any questions call CJ @ 909.91.2481 ....

7 Helpful Tips for First-time Home Buyers

### HI FOLKS ### HERE IS SOME ADVICE #### NEED SOME PERSONAL ADVICE OR SUGGESTIONS ... GET IT AT 909.910.2481 #### Looking for a new home can be a pretty exciting task. With that much money on the line, it's worthwhile to read up on the process before you set out. Unnecessary mistakes can and should be avoided while trying to get the best deal for your money. As a first-time home buyer, proper guidance from seasoned professionals can make all the difference. Here are a few tips first-time buyers can take when trying to find their first home: Get clear on what you want – This is the most important part of your preparation. You are about to enter a shopping experience that is unlike any other. At times, it can be stressful and difficult. There is a lot of money on the line and a big commitment to be made, so prepare accordingly. Get clear on what you really want and what you are willing to compromise on. This will make your home shopping experience much more efficient and will give you a map to go off of should tensions run high. Take a look at this guide to buying your first home, which might help you narrow down your wants vs. needs. The better prepared you are, the better chance of having a smooth transaction. Do your research – Home shoppers today are more empowered than ever before. You have so much information at your fingertips. Go online and find the areas you want to live in. Narrow down the neighborhoods you want to consider to three or four, and focus on those. Learn about the cost of the things you really want and the cost of the things you can do without. The more knowledgeable you are the better you will be at negotiating a good deal. Talk to the bank – Preparing to get a mortgage in advance of your actual purchase will be super important. Before you start looking at houses you should have a discussion with your lender. The lender will be able to give you an honest assessment of what your finances look like, how much house you can afford and what your rates will be. You want to know all of this – what it will really cost you – before you start looking at homes you can't actually afford. Find out what your monthly payment will be at different amounts and determine what your personal limits are as well. Depending on your credit, the lender may be willing to give you far more than you need. Once you know the time is right to buy a home make sure you get pre-approved by a lender. Make sure you understand the difference between getting pre-approved and pre-qualified for a mortgage. Without a doubt you will want to get pre-approved as a pre-qualification letter is not worth much. A savvy REALTOR® representing a homeowner will pick up on this right away. If you are competing with other buyers and are not financially prepared, you could lose out on your dream home! Think about the future – Is this going to be a starter house that you will move out of in five years? Is it going to be a property that you fix up and flip? Is it going to be the home for your new family that you will be in for 10 or 20 years? Your long term plans will help dictate your purchasing choices. It is important to understand what you really want this home for before you go and sign any papers and spend any money. One of the biggest mistakes first-time home buyers make is not thinking about their long term plans. Find a good REALTOR®– A real estate agent can prove invaluable when shopping for a home. If you find one that is good – an agent that is finding people the homes they want at a price they are happy with – then much of the work will be done for you. The agent will talk about what you want, will run you through much of the above mentioned areas and will help you find the houses that are really what you are looking for. The agent will also be an effective negotiator, meaning that you will probably get more house for your money than if you went at it alone. Set a timeline – The situation you are in is uniquely your own. You want to set a timeline for when you will find and buy a home – a timeline that reflects your realities. If you have bad credit that needs to be cleaned up first, for instance, you will need to spend some time working on that before you actually start house hunting. If you need to move right now, that is another factor in your timeline. Give yourself some restrictions so you will be encouraged to move at a steady pace and get the job done. Hunting for a house can be quite stressful and it is not something that should be drawn out any more than necessary. Determine what you want, work with a REALTOR®, and get it as efficiently as possible. Understand your fiscal responsibility - Another problem that first-time home buyers don't always properly think through is the financial responsibility of owning a home. A large amount of buyers will think about making their mortgage payments and nothing else. If you have been renting for a while, or even living with mom and dad, it is easy to see why this can happen. Unfortunately, owning a home comes with quite a few more additional first-time home expenses that you may not have considered such as appliances, furniture, and even taxes and insurance. These are all important things to consider when putting together your homebuying budget. Use all of the above tips for finding your first home and you will be well on your way to enjoying your new life as a homeowner!

TODAY WAS HIS DAY ~ WON THE JACKPOT

**** MATT PULLED THE JOKER & won the Jackpot Totaling $2,900.00 ~ This was the 1st meeting at our New Office .... Congrats ..... He sprung for lunch for the Office .... Thanks Matt & ENJOY YOUR WINNINGS ****

OPEN HOUSE THIS WEEKEND !!!

**** OPEN HOUSE AT 3417 ALTURA AVE, CHINO HILLS (91709) **** There will be an Open House this weekend. Pencil in a stop to take a peek ... More information to come ........ Cj

~~ 2015 ~~ WE ARE IN !*! ~~

)) WELL FOLKS (( We are in our new office ... There are still fine tuning being done but I was able to get my office desk ready & organized for all the 2015 challenges to come. We are now located at *** 14611 RAMONA AVE., CHINO *** in the Home Depot & JC Pennys Shopping Center ... cross streets are Chino Hills Pkwy & Ramona Ave. ** Come on by & take a peek in or if you are ready for help ask for CJ ... Also can call me at 909.910.2481 *** BEST TO YOU IN 2015 ***

)) BACK TO THE FUTURE ~ YEH ((

~~~ HI FOLKS ~~~ Well, Santa brought me the "BACK TO THE FUTURE" Set for Christmas. On New Years Eve, we went for a nice early dinner & then came home to watch the 1st Back to the Future flick. It Really is a FUN SERIES! I watched them so many times with my son when he was young. He loved them *** Remember that Marty travels to 2015!!! Speaking of 2015 .... BUYING, SELLING OR NEED A NEW LEASE ** CALL CJ IN 2015 AT 909.910.2481 **** I'll take BACK TO THE FUTURE !~!~! TEE HEE ***

*** FEELING A LITTLE CRAMPED ?? ***

~~~ GETTING ORGANIZED IN THE NEW YEAR ~~~ The New Year compels all of us to relinquish the past and change our circumstances for the better. Hoping to literally wipe the slate clean? Look no further than your household. How many times have you vowed to keep things organized, only to discover that by mid-January, the clutter culprits are back in full force? Nothing kills New Year’s motivation faster than setting a goal beyond realistic reach, and if you don’t have a knack for organization, tackling your entire home will be impossible. Rather than organizing every nook and cranny, carry out a small-scale purge instead. 1. Stock up on storage. Unloading more stuff at home seems completely counterproductive, but those bins and baskets will create order out of chaos. Place them at drop points around your house, such as near your main entrance, on your kitchen counter or coffee table, or in your home office. No need for a meticulous system – mail, coupons, takeout menus, instruction pamphlets and more can go in whichever catch-all is most convenient. 2. Gift yourself a paper shredder. Papers tend to accumulate quickly at home, and sensitive documents can be a gateway to identity theft if not handled properly. And trust me – there’s nothing more exciting than watching your cross-cutting machine lay waste to piles of paperwork. Round up junk mail, bank statements, non-active membership documents, and any private information you’re not required to keep and get shredding. 3. Pare down duplicates. Two isn’t always better than one. Consider donating multiples of common household items you haven’t had a need for in a year or more. 4. Get smart about space. Who has time for a closet overhaul? If your closets are bursting, don’t try to cram more into them. Instead, work within the parameters of the space. Vacuum seal items that are not in season, and use this space-saving trick for bed linens: store folded fitted and flat sheets and one pillowcase inside the accompanying pillowcase. For clothes, utilize the hanger strategy: flip your hanging garments so that the opening of the hanger faces you. Whenever you wear an item, put it back on the hanger and turn it to face away from you. After a few weeks, donate, toss or sell items on hangers still facing you. 5. Cut computer clutter. Having too many files not only makes documents harder to find, but can slow down your computer’s processing speed and sap precious battery power from laptops. Remove programs that haven’t been used in six months or more, delete photos that aren’t album-worthy, and reserve space on your desktop for the applications you visit most frequently.(Suzanne De Vita)*** NOW YOU WILL BE READY FOR A MOVE~!~! GIVE ME A CALL FOR HELP AT 909.9102481