Friday, October 19, 2012

$100,000 for an iPhone 5 Case?!


The $100,000 iPhone 5 Case You’ve Been Waiting For...?!

Wait, how much?! Yep, it's the price of a single family detached residence in Idaho or even better, a condo in sunny San Diego!
But no, it's the price of a iPhone 5 case, I bet Paris Hilton would be the one to want one of these, read below...

  

You ready for this? The world’s most expensive iPhone 5 case has been introduced by The Natural Sapphire Company. The company is based out of New York and specializes in untreated sapphires. The cost: $100,000.

Designed to make your excitement for iPhone 5 last forever, this made in America iPhone 5 case comes featured with natural sapphires and rubies. The case has been exquisitely crafted of 18kt white gold and set with a total of 2,830 natural blue Ceylon sapphires, totaling 169.8 carats. Further, the most recognizable and iconic Apple logo is set with 38 exceptionally colored natural rubies which totals 2.28 carats, and the Apple’s leaf comes in a single marquise cut natural green sapphire.
If you’re super wealthy, but you’d rather have a case than a completely remanufactured phone, this is probably the answer for you. Okay, seriously, who will buy this?

Joshua Howland

Joshua is a mobile application developer, entrepreneur, and technology enthusiast. His favorite posts to write compare companies and products. He loves sports and start ups and talks about them (along with tech) on Twitter (@jkhowland) and his blog (jkhowland.me).

Ok, back to earth, when you need a hard working Realtor® that is skilled and armed for bears, give me a call, I'm glad to help you buy, sell or relocate nationwide!
Till then, Happy Friday!

Thank you,

Sincerely,
Angélique Kenney
Realtor® for Professional AthletesCRS, GRI, e-Pro, SFR, ILHM member, SSR.


Prudential California Realty & SportStar Relocation San Diego
7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA

Visit my site for a FREE (MLS) home search at http://SDandOChomes.com

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Follow me online or just learn more"about me":
Facebook RE Ι Facebook Sport ★ Ι Twitter Ι LinkedIn Ι Yelp Ι Active Rain Ι YouTube Ι Blog
 Thank you for nominating me in the top 10 out of 6,000+ agents for the 2012's SAN DIEGO'S BEST REAL ESTATE AGENT!
My husband made the cut for his Cabinetry company as well with Blackwood Designs.
 20110201072216.gif*2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*


International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI


Friday, October 12, 2012

Is your Fico score healthy? My what?!

Ever wondered what's your fico score?
A what?! You might ask...
Well this is the very reason why you need to read this blog post then!

Here is what you will learn today:
1. So what is my Fico score?

2. When do you need the best scores?
3. I checked my score and it's awful!?!

4. Know your FICO® scores, improve your FICO scores, save money!




1. So what is my Fico score?
Most people don't really care about the health of their credit score until the very last minute when their scores needs to shine bright and to score high!
In a nut shell you have 3 major scores bureaux:
Equifax
TransUnion
Experian

By law, each one of these bureau can provide you with a free copy of your credit report once a year. BUT this is only your report, you don't get the score and you have to pay for the score.
(if you just want the 25% off coupon on dont want to read the end of the blog, click here)

A lot of companies offeres you to check your score, and this is good BUT they don't offer the FICO score, just another type of score, often called a Power Score or they are using other names.
Fico score are the king of the hill when it comes to what the banks are looking for.

Credit score are vital to remain as high as possible and healthy, so you can get the best rate which in terms will save you money.



2. When do you need the best scores?
In everyday life actually!

For example in real estate: whether you are looking to buy a homes in Carlsbad near Oceanside and Encinitassell you condo in downtown San Diego Metro cities (if you are looking to buy another home) or refinance your Del mar beach front estate, or perhaps leasing that single family detached home in Rancho Santa Fe during the off season, all of these steps requires you to show off your credit score. Ask you local lender for details.

For example in car shopping: whether you are looking to buy a new car in Carlsbad at the Car Mall, dreaming to own one of those exotic and fancy car sold in La Jolla or in order to refinance your work truck all, of these steps requires you to show off your credit score.Ask you local car dealer for details.

For example while clothes or show shopping at the mall or online: whether you are looking to buy a new dress for your cocktail party in Rancho Santa Fe or a new hat for the Del Mar horse Races in one of those flag store, most of them will offer you some rewards for using their store credit card, etc...Ask you local store for details.

For example while hunting down a deal at your local hardware store: whether you are looking to buy some paint to get your nursery ready or your son is now off to college and you want to turn his bedroom into your ultimate at home office, most large store such as Lowes or the Home Depot of them will offer you some rewards for using their store credit card, even 6mo to 18mo with no interest on large purchases or large projects. I opened a project card several years ago and it turn out very handy anytime we need it. Ask you local store for details.

You even need it for opening a gas or electric bill, even a water bill in some states.

And don't forget in today's economy that you can even be turned down for a job based on your credit history so you get my point, check your credit (I have a free promo code below to offer you 25% OFF), cultivate your credit and pull those bad weeds out and watch it bloom for a healthy score and in turn, lesser money out of your pocket and more in your bank for you to keep!






3. I checked my score and it's awful!?!
Ok this stinks, but this is not the end of the world, you're score constantly flactuate and can improve.
Check some tips here to pump up your Fico score to new hights: Fico tips.



4. Know your FICO® scores, improve your FICO scores, save money!


FICO Score Report Display
Click to see larger image


FICO Score Report Display
Click to see larger image
Whether you’re buying a home, a car or applying for a credit card – lenders want to know the risk they’re taking by lending your money. FICO scores are the credit scores that most lenders use to determine your credit risk. Your FICO credit scores (you have 1 score from each of the 3 major credit bureaus) can affect how much money a lender will lend you and at what terms (interest rate). So, taking steps to improve your FICO scores can often help you qualify for better rates from lenders – which can save you money!
Take a look at the example FICO score report and you can see that it shows your FICO score in big bold numbers as well as a general indication of how your score relates to other U.S. consumers (bad to great). FICO scores range from 300-850 – higher is better. You can also see that your FICO score looks at several major categories as shown by the key ingredients on the right side of the sample report. For more information about these general categories, see the What's in your score page.
Your FICO score is calculated using the information in your credit reports. These reports contain all of the information that each credit bureau has on file about you. This sample credit report shows a few examples of the types of information that the credit bureaus collect, such as your credit accounts, how many times lenders have requested information about your credit (Inquiries), and how many times lenders have turned your account over to a collection agency (Collections).


Tuesday, October 2, 2012

Be Happier: 10 Things to Stop Doing Right Now


Happy Tuesday, 

I have been so busy lately that I enjoy reading online a little bit of info here and there and while researching the internet, I came across this pretty cool article that give a little bit of wisdom to all.

In my real estate business in Carlsbad, CA (a coastal city north of the greater San Diego area), I run into so many different and difficult situation, people and what not so this made me smile, hope it does for you too!



Be Happier: 10 Things to Stop Doing Right Now

Sometimes the route to happiness depends more on what you don't do.

sad and happy smiley face cupcakes


Happiness--in your business life and your personal life--is often a matter of subtraction, not addition.
Consider, for example, what happens when you stop doing the following 10 things:
1. Blaming.
People make mistakes. Employees don't meet your expectations. Vendors don't deliver on time.
So you blame them for your problems.
But you're also to blame. Maybe you didn't provide enough training. Maybe you didn't build in enough of a buffer. Maybe you asked too much, too soon.
Taking responsibility when things go wrong instead of blaming others isn't masochistic, it's empowering--because then you focus on doing things better or smarter next time.
And when you get better or smarter, you also get happier.
2. Impressing.
No one likes you for your clothes, your car, your possessions, your title, or your accomplishments. Those are all "things." People may like your things--but that doesn't mean they like you.
Sure, superficially they might seem to, but superficial is also insubstantial, and a relationship that is not based on substance is not a real relationship.
Genuine relationships make you happier, and you'll only form genuine relationships when you stop trying to impress and start trying to just be yourself.
3. Clinging.
When you're afraid or insecure, you hold on tightly to what you know, even if what you know isn't particularly good for you.
An absence of fear or insecurity isn't happiness: It's just an absence of fear or insecurity.
Holding on to what you think you need won't make you happier; letting go so you can reach for and try to earn what you want will.
Even if you don't succeed in earning what you want, the act of trying alone will make you feel better about yourself.
4. Interrupting.
Interrupting isn't just rude. When you interrupt someone, what you're really saying is, "I'm not listening to you so I can understand what you're saying; I'm listening to you so I can decide what I want to say."
Want people to like you? Listen to what they say. Focus on what they say. Ask questions to make sure you understand what they say.
They'll love you for it--and you'll love how that makes you feel.
5. Whining.
Your words have power, especially over you. Whining about your problems makes you feel worse, not better.
If something is wrong, don't waste time complaining. Put that effort into making the situation better. Unless you want to whine about it forever, eventually you'll have to do that. So why waste time? Fix it now.
Don't talk about what's wrong. Talk about how you'll make things better, even if that conversation is only with yourself.
And do the same with your friends or colleagues. Don't just be the shoulder they cry on.
Friends don't let friends whine--friends help friends make their lives better.
6. Controlling.
Yeah, you're the boss. Yeah, you're the titan of industry. Yeah, you're the small tail that wags a huge dog.
Still, the only thing you really control is you. If you find yourself trying hard to control other people, you've decided that you, your goals, your dreams, or even just your opinions are more important than theirs.
Plus, control is short term at best, because it often requires force, or fear, or authority, or some form of pressure--none of those let you feel good about yourself.
Find people who want to go where you're going. They'll work harder, have more fun, and create better business and personal relationships.
And all of you will be happier.
7. Criticizing.
Yeah, you're more educated. Yeah, you're more experienced. Yeah, you've been around more blocks and climbed more mountains and slayed more dragons.
That doesn't make you smarter, or better, or more insightful.
That just makes you you: unique, matchless, one of a kind, but in the end, just you.
Just like everyone else--including your employees.
Everyone is different: not better, not worse, just different. Appreciate the differences instead of the shortcomings and you'll see people--and yourself--in a better light.
8. Preaching.
Criticizing has a brother. His name is Preaching. They share the same father: Judging.
The higher you rise and the more you accomplish, the more likely you are to think you know everything--and to tell people everything you think you know.
When you speak with more finality than foundation, people may hear you but they don't listen. Few things are sadder and leave you feeling less happy.
9. Dwelling.
The past is valuable. Learn from your mistakes. Learn from the mistakes of others.
Then let it go.
Easier said than done? It depends on your focus. When something bad happens to you, see that as a chance to learn something you didn't know. When another person makes a mistake, see that as an opportunity to be kind, forgiving, and understanding.
The past is just training; it doesn't define you. Think about what went wrong, but only in terms of how you will make sure that, next time, you and the people around you will know how to make sure it goes right.
10. Fearing.
We're all afraid: of what might or might not happen, of what we can't change, or what we won't be able to do, or how other people might perceive us.
So it's easier to hesitate, to wait for the right moment, to decide we need to think a little longer or do some more research or explore a few more alternatives.
Meanwhile days, weeks, months, and even years pass us by.
And so do our dreams.
Don't let your fears hold you back. Whatever you've been planning, whatever you've imagined, whatever you've dreamed of, get started on it today.
If you want to start a business, take the first step. If you want to change careers, take the first step. If you want to expand or enter a new market or offer new products or services, take the first step.
Put your fears aside and get started. Do something. Do anything.
Otherwise, today is gone. Once tomorrow comes, today is lost forever.
Today is the most precious asset you own--and is the one thing you should truly fear wasting.



Thank you for reading,

Sincerely,

Angélique Kenney | Realtor® for Professional AthletesCRSGRIe-ProSFRILHM member, SSR (click links to learn more on the meaning of my designations)

+1.760.282.4663 (Last 4 Spells "HOME") | Fax +1.866.422.0641 | angeliquekenney@gmail.com | 

Register Now for FREE on http://SDandOChomes.com

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  • Save search criteria and listings
  • Track neighborhood price trends


Follow me online or just learn more"about me":
Facebook RE Ι Facebook Sport ★ Ι Twitter Ι LinkedIn Ι Yelp Ι Active Rain Ι YouTube Ι Blog
 Thank you for nominating me in the top 10 out of 6,000+ agents for the 2012's SAN DIEGO'S BEST REAL ESTATE AGENT!
My husband made the cut for his Cabinetry company as well with Blackwood Designs.
 20110201072216.gif*2011 PRUDENTIAL HONOR SOCIETY AWARD WINNER*


International Properties | Luxury Estates Certified | Corporate, Athletes & Military Relocation Specialist  | Fluent in French | CA DRE#01846783, ID, HI
Prudential California Realty 7030 Avenida Encinas | Suite 100 | Carlsbad, CA, 92011 | USA



Article found on: http://www.inc.com/jeff-haden/how-to-be-happier-work-10-things-stop-doing.html