Annuities can be excellent vehicles for delivering financial security and providing income for the rest of your life. If you are planning for retirement, you’re most likely crafting your retirement income plan, safeguarding your emergency nest egg, planning for healthcare costs, designating funds for large purchases, and making sure you’ve prepared for everything you’ll need. We will go over different types of annuities and how they work, as well as the pros and cons you’ll want to consider. You’ll get clarity on how annuities can enhance and complement the other pieces of your retirement puzzle. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=13043&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (858) 668-4024 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #annuities #annuity #understandingannuities #financialclass #retirement #retirementgoals #retirementplanning #retirementplan #financialliteracy #financialclass #lgcfinancial #poway #powayadultschool #powaycalifornia #powayca #lisaclaycomb #learnwithlisa
Annuities can be excellent vehicles for delivering financial security and providing income for the rest of your life. If you are planning for retirement, you’re most likely crafting your retirement income plan, safeguarding your emergency nest egg, planning for healthcare costs, designating funds for large purchases, and making sure you’ve prepared for everything you’ll need. We will go over different types of annuities and how they work, as well as the pros and cons you’ll want to consider. You’ll get clarity on how annuities can enhance and complement the other pieces of your retirement puzzle. Go to https://poway.augusoft.net/index.cfm... or call (858) 668-4024 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #annuities #annuity #understandingannuities #financialclass #retirement #retirementgoals #retirementplanning #retirementplan #financialliteracy #financialclass #lgcfinancial #poway #powayadultschool #powaycalifornia #powayca #lisaclaycomb #learnwithlisa
Join us on Zoom Thursday, April 25th from 10 - 11:30 AM by registering at https://bit.ly/AprilKeys or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate to put toward down payment assistance with the State of Nevada. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #StopRenting #GenerationalWealth #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockThePathtoYourDreamHome #GrabTheKeystoYourFuture #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #EXPRealEstate #CreditGoals #TrustTheProcess #Patton&Associates
Social Security retirement benefits are a key component to the retirement plans of many Americans. More than half of retirees count on it for the majority of their retirement income. We will discuss how Social Security fits into your overall retirement income plan, the different claiming strategies, and how to maximize your benefits. Learn about the basics, when and how to claim, COLAS, taxes, Medicare premiums, and more. This class will help you get clarity on your Social Security benefits. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=13042&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #SocialSecurity #SocialSecurityBenefits #SocialSecurityMonth #socialsecuritytips #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Join us on Zoom Thursday, April 25th from 10 - 11:30 AM by registering at https://bit.ly/AprilKeys or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate to put toward down payment assistance with the State of Nevada. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #StopRenting #GenerationalWealth #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockThePathtoYourDreamHome #GrabTheKeystoYourFuture #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #EXPRealEstate #CreditGoals #TrustTheProcess #Patton&Associates
Join us on Zoom Thursday, April 25th from 10 - 11:30 AM by registering at https://bit.ly/AprilKeys or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate to put toward down payment assistance with the State of Nevada. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #StopRenting #GenerationalWealth #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockThePathtoYourDreamHome #GrabTheKeystoYourFuture #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #EXPRealEstate #CreditGoals #TrustTheProcess #Patton&Associates
Join us on Zoom Thursday, April 25th from 10 - 11:30 AM by registering at https://bit.ly/AprilKeys or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate to put toward down payment assistance with the State of Nevada. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #StopRenting #GenerationalWealth #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockThePathtoYourDreamHome #GrabTheKeystoYourFuture #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #EXPRealEstate #CreditGoals #TrustTheProcess #Patton&Associates
Join us on Zoom Thursday, April 25th from 10 - 11:30 AM by registering at https://bit.ly/AprilKeys or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate to put toward down payment assistance with the State of Nevada. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #StopRenting #GenerationalWealth #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockThePathtoYourDreamHome #GrabTheKeystoYourFuture #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #EXPRealEstate #CreditGoals #TrustTheProcess #Patton&Associates
Hanging out with these cuties today! 🎨✨ Let their charm brighten your day. I used @glanzgraphics Instant Artist Brushset #illustrationfun #artisticadventure #learnwithlisa #whimsicaldrawing #cuteart #illustrationsforkids #funcharacters #childrensbookillustration
This workshop is designed to provide you with a list of the elements that go into a safe and secure retirement plan, offer useful design tools, and guide you through the planning process. You will learn what data and documents you need to gather and incorporate into your plan, what decisions you will need to make, and how risks, taxes and inflation can impact your future. Please join us for this hands-on Boot Camp and get on track for your impending retirement. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12693&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementplanningbootcamp #bootcamp #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
This workshop is designed to provide you with a list of the elements that go into a safe and secure retirement plan, offer useful design tools, and guide you through the planning process. You will learn what data and documents you need to gather and incorporate into your plan, what decisions you will need to make, and how risks, taxes and inflation can impact your future. Please join us for this hands-on Boot Camp and get on track for your impending retirement. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12693&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementplanningbootcamp #bootcamp #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Join Nevada Housing Division's Rhonda Tolbert, APM's Lisa J. Foster, and Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #HomeFirst #HomeisPossible #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Join Nevada Housing Division's Rhonda Tolbert, APM's Lisa J. Foster, and Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #HomeFirst #HomeisPossible #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Join Nevada Housing Division's Rhonda Tolbert, myself and Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed
Join Nevada Housing Division's Rhonda Tolbert, myself and with Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed
Join Nevada Housing Division's Rhonda Tolbert, APM's Lisa J. Foster, and Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #HomeFirst #HomeisPossible #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Join Nevada Housing Division's Rhonda Tolbert, myself and Realtor and home advocate, Shanta Patton-Golar on Zoom Wednesday, March 13th from 9:30 - 11 AM by registering at bit.ly/3P3SWSt or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! 🎯Reach your goals. 🎯Turn fear into motivation. 🎯Fuel your journey with confidence. 🎯Get strategies for your success. 🎯Overcome obstacles. 🎯Easily navigate the homebuying process. 🎯Recognize myths. 🎯Down payment assistance discussed
🌞Attention Nevada real estate agents- FREE CE Time! If you enjoyed last month's free CE with me, don't miss out on my Homes with Solar Energy CE class for 3 General Classroom Credits on Zoom 3/27/24 at 10:30 AM!💻️ 😎 Register here to get your Zoom link: https://apmortgage.zoom.us/meeting/register/tZckceypqDkqE9Ey-kKfTB16sPqkx3fO2u-j#/registration Open to all real estate agents licensed in Nevada. Don't miss out! #NVContinuingEducation #RealEstateAgents #SolarEnergy #RealEstateExperts #apmvegas #LisaJFosterHomeMortgageLoans #GeneralNVCE #NevadaCE #LearnWithLisa #LisaJFoster
Estate Planning is simply the process of making it clearly known how you want your estate to be handled after you pass or if you’re incapacitated and unable to handle things on your own. Many people do not have basic estate planning documents, which include a Trust, a Will, Financial and Health Care Powers of Attorney, and an Advanced Health Care Directive. You will also learn how to sensitively and wisely make the best decisions for gifting your estate to those who mean the most to you. Let us help put you on the path to creating an estate plan that you can control. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12692&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #EstatePlanning #estateplan #estatemanagement #EstatePlanningSuccess #estateplanninggoals #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Estate Planning is simply the process of making it clearly known how you want your estate to be handled after you pass or if you’re incapacitated and unable to handle things on your own. Many people do not have basic estate planning documents, which include a Trust, a Will, Financial and Health Care Powers of Attorney, and an Advanced Health Care Directive. You will also learn how to sensitively and wisely make the best decisions for gifting your estate to those who mean the most to you. Let us help put you on the path to creating an estate plan that you can control. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12692&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #EstatePlanning #estateplan #estatemanagement #EstatePlanningSuccess #estateplanninggoals #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Join me for Mastering Mortgage Lending Basics. FREE Live CE (via Zoom) for 3 General Credit Hours Thursday, February 22, 2024 from 10:30 AM - 1:30 PM Register with the name on your real estate license at: https://apmortgage.zoom.us/meeting/register/tZUkcuurqT0oE9bjtT8WC4DLsNuR57ZO6FXT *Must be on camera to receive Zoom credit. Must have your name in your Zoom so we know who you are to give you credit. 🙂 Real estate agents can benefit significantly from having a good understanding of the basics of mortgages. Here are several advantages... Enhanced Client Service: A real estate agent with knowledge of mortgages can provide more comprehensive and valuable assistance to clients. Improved Communication: Agents who are well-versed in mortgage terminology can communicate more effectively with lenders, mortgage brokers, and other professionals involved in the transaction. Market Knowledge: Knowing about different mortgage products and interest rates can make a real estate agent more informed about the current market conditions. Competitive Edge: In a competitive real estate market, having a thorough understanding of mortgages can give an agent a competitive edge. Time Efficiency: Agents who understand the mortgage process can help clients focus on properties within their budget and guide them towards realistic options. Problem Resolution: Mortgage-related issues can arise during a real estate transaction. Agents who understand the basics of mortgages are better equipped to identify potential problems early on and work with their clients to find solutions. This can prevent delays and ensure a smoother closing process. Building Trust: Clients are more likely to trust an agent who demonstrates knowledge across various aspects of the real estate transaction, including financing. Networking Opportunities: Collaborating with mortgage professionals is a crucial aspect of the real estate business. Adaptability: The real estate market is dynamic, and mortgage trends can change. #ceclasses #nvceclasses #realestatece #freececlasses #learnwithlisa #lisajfoster
Mastering Mortgage Lending Basics FREE Live CE (via Zoom) for 3 General Credit Hours Thursday, February 22, 2024 from 10:30 AM - 1:30 PM Register with the name on your real estate license at: https://apmortgage.zoom.us/meeting/register/tZUkcuurqT0oE9bjtT8WC4DLsNuR57ZO6FXT *Must be on camera to receive Zoom credit. Must have your name in your Zoom so we know who you are to give you credit. 🙂 Real estate agents can benefit significantly from having a good understanding of the basics of mortgages. Here are several advantages... Enhanced Client Service: A real estate agent with knowledge of mortgages can provide more comprehensive and valuable assistance to clients. Understanding the mortgage process allows agents to guide clients through the complexities of financing, making the home buying process smoother. Improved Communication: Agents who are well-versed in mortgage terminology can communicate more effectively with lenders, mortgage brokers, and other professionals involved in the transaction. This helps to ensure that all parties are on the same page, reducing the likelihood of misunderstandings. Market Knowledge: Knowing about different mortgage products and interest rates can make a real estate agent more informed about the current market conditions. This knowledge enables agents to advise clients on the best financing options available, potentially influencing their buying decisions. Competitive Edge: In a competitive real estate market, having a thorough understanding of mortgages can give an agent a competitive edge. Clients may prefer to work with an agent who can not only find them a home but also provide guidance on securing the most favorable financing. #ceclasses #nvceclasses #realestatece #freececlasses #learnwithlisa #lisajfoster
Taxes are one very important component that a lot of people don’t factor into their retirement plan. We’re used to having taxes taken out of our paycheck before we get it, and that works just fine. But, taxes in retirement can be more complicated. Your retirement income will determine whether and to what extent your Social Security benefits will be taxed. It can increase the amount you will pay for Part B and Part D Medicare premiums. The tax classification can impact how long your money will last. Join us to learn how you can strategically plan to address your retirement tax burden. Go to https://poway.augusoft.net/index.cfm?method=ClassListing.ClassListingDisplay&int_category_id=7&int_sub_category_id=48&int_catalog_id= or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #taxseason #taxplanning #taxes2024 #taxes #taxpreparation #taxesdoneright #taxesmadeeasy #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Join us on Zoom Thursday, February 15th from 9:30 - 11 AM by registering at https://bit.ly/FEBHOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Join us on Zoom Thursday, February 15th from 9:30 - 11 AM by registering at https://bit.ly/FEBHOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Join me for Mastering Mortgage Lending Basics. FREE Live CE (via Zoom) for 3 General Credit Hours Thursday, February 22, 2024 from 10:30 AM - 1:30 PM Register with the name on your real estate license at: https://apmortgage.zoom.us/meeting/register/tZUkcuurqT0oE9bjtT8WC4DLsNuR57ZO6FXT *Must be on camera to receive Zoom credit. Must have your name in your Zoom so we know who you are to give you credit. 🙂 Real estate agents can benefit significantly from having a good understanding of the basics of mortgages. Here are several advantages... Enhanced Client Service: A real estate agent with knowledge of mortgages can provide more comprehensive and valuable assistance to clients. Improved Communication: Agents who are well-versed in mortgage terminology can communicate more effectively with lenders, mortgage brokers, and other professionals involved in the transaction. Market Knowledge: Knowing about different mortgage products and interest rates can make a real estate agent more informed about the current market conditions. Competitive Edge: In a competitive real estate market, having a thorough understanding of mortgages can give an agent a competitive edge. Time Efficiency: Agents who understand the mortgage process can help clients focus on properties within their budget and guide them towards realistic options. Problem Resolution: Mortgage-related issues can arise during a real estate transaction. Agents who understand the basics of mortgages are better equipped to identify potential problems early on and work with their clients to find solutions. This can prevent delays and ensure a smoother closing process. Building Trust: Clients are more likely to trust an agent who demonstrates knowledge across various aspects of the real estate transaction, including financing. Networking Opportunities: Collaborating with mortgage professionals is a crucial aspect of the real estate business. Adaptability: The real estate market is dynamic, and mortgage trends can change.
Join us on Zoom Thursday, February 15th from 9:30 - 11 AM by registering at https://bit.ly/FEBHOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! #HomebuyingMadeEasy #LearnWithLisa #APMVegas #EXPRealty #ShantaPattonGolar #LisaJFoster #RhondaTolbert #UnlockYourDreamHome #AffordableMortgage #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #Patton&Associates
Taxes are one very important component that a lot of people don’t factor into their retirement plan. We’re used to having taxes taken out of our paycheck before we get it, and that works just fine. But, taxes in retirement can be more complicated. Your retirement income will determine whether and to what extent your Social Security benefits will be taxed. It can increase the amount you will pay for Part B and Part D Medicare premiums. The tax classification can impact how long your money will last. Join us to learn how you can strategically plan to address your retirement tax burden. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12691&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #taxes #taxseason2024 #taximpact #taxpreparation #taxesdoneright #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #LearnWithLisa
Mastering Mortgage Lending Basics FREE Live CE (via Zoom) for 3 General Credit Hours Thursday, February 22, 2024 from 10:30 AM - 1:30 PM Register with the name on your real estate license at: https://apmortgage.zoom.us/meeting/register/tZUkcuurqT0oE9bjtT8WC4DLsNuR57ZO6FXT *Must be on camera to receive Zoom credit. Must have your name in your Zoom so we know who you are to give you credit. 🙂 Real estate agents can benefit significantly from having a good understanding of the basics of mortgages. Here are several advantages... Enhanced Client Service: A real estate agent with knowledge of mortgages can provide more comprehensive and valuable assistance to clients. Understanding the mortgage process allows agents to guide clients through the complexities of financing, making the home buying process smoother. Improved Communication: Agents who are well-versed in mortgage terminology can communicate more effectively with lenders, mortgage brokers, and other professionals involved in the transaction. This helps to ensure that all parties are on the same page, reducing the likelihood of misunderstandings. Market Knowledge: Knowing about different mortgage products and interest rates can make a real estate agent more informed about the current market conditions. This knowledge enables agents to advise clients on the best financing options available, potentially influencing their buying decisions. Competitive Edge: In a competitive real estate market, having a thorough understanding of mortgages can give an agent a competitive edge. Clients may prefer to work with an agent who can not only find them a home but also provide guidance on securing the most favorable financing. #ceclasses #nvceclasses #realestatece #freececlasses #learnwithlisa #lisajfoster
Join us on Zoom Thursday, February 15th from 9:30 - 11 AM by registering at https://bit.ly/FEBHOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help!
Join me for Mastering Mortgage Lending Basics. FREE Live CE (via Zoom) for 3 General Credit Hours Thursday, February 22, 2024 from 10:30 AM - 1:30 PM Register with the name on your real estate license at: https://apmortgage.zoom.us/meeting/register/tZUkcuurqT0oE9bjtT8WC4DLsNuR57ZO6FXT *Must be on camera to receive Zoom credit. Must have your name in your Zoom so we know who you are to give you credit. 🙂 Real estate agents can benefit significantly from having a good understanding of the basics of mortgages. Here are several advantages... Enhanced Client Service: A real estate agent with knowledge of mortgages can provide more comprehensive and valuable assistance to clients. Improved Communication: Agents who are well-versed in mortgage terminology can communicate more effectively with lenders, mortgage brokers, and other professionals involved in the transaction. Market Knowledge: Knowing about different mortgage products and interest rates can make a real estate agent more informed about the current market conditions. Competitive Edge: In a competitive real estate market, having a thorough understanding of mortgages can give an agent a competitive edge. Time Efficiency: Agents who understand the mortgage process can help clients focus on properties within their budget and guide them towards realistic options. Problem Resolution: Mortgage-related issues can arise during a real estate transaction. Agents who understand the basics of mortgages are better equipped to identify potential problems early on and work with their clients to find solutions. This can prevent delays and ensure a smoother closing process. Building Trust: Clients are more likely to trust an agent who demonstrates knowledge across various aspects of the real estate transaction, including financing. Networking Opportunities: Collaborating with mortgage professionals is a crucial aspect of the real estate business. Adaptability: The real estate market is dynamic, and mortgage trends can change. #ceclasses #nvceclasses #realestatece #freececlasses #learnwithlisa #lisajfoster
Retirement planning is one of the most important financial goals for your future. Having an excellent financial retirement plan eliminates stress and allows you to accomplish your retirement goals with confidence. Failure to have a solid plan can cause anxiety, uncertainty, and worry that your plan can be derailed at any time. Join us and gain peace of mind so that you can retire comfortably knowing you won’t run out of money. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12689&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementmistakes #mistakestoavoid #planningmistakes #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #learnwithlisa
What's your biggest concern about retirement? Comment below. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementmistakes #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #learnwithlisa
Join us on Zoom Wednesday, January 24th from 9:30 - 11 AM by registering at https://bit.ly/JAN_HOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help!
Throughout National Mentoring Month, communities, organizations, and individuals come together to recognize mentorship's profound impact and encourage more people to get involved in this meaningful endeavor. What Is National Mentoring Month? National Mentoring Month is an annual observance dedicated to raising awareness about the profound impact that mentoring can have on individuals and communities. National Mentoring Month celebrates countless mentors who selflessly invest time and expertise in helping others achieve their potential. Why Mentoring Matters Mentoring has a profound impact on individuals and the broader community. Here are just a few ways mentorship matters: It encourages personal and professional growth. It helps build community. It reduces at-risk behavior. It helps students perform better in school. It enhances self-esteem. It encourages people to contribute to society. National Mentoring Month is an opportunity to reflect on the extraordinary impact of mentorship and to encourage more individuals to become involved. Mentorship is not just about guidance. It's also about investing in the future of individuals and, thus, our communities and society. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #NationalMentoringMonth #mentor #mentorship #MentorshipMatters #mentorshipmonth #NationalMentorMonth #mentoringmatters #mentoring #MentoringMonth #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Retirement planning is one of the most important financial goals for your future. Having an excellent financial retirement plan eliminates stress and allows you to accomplish your retirement goals with confidence. Failure to have a solid plan can cause anxiety, uncertainty, and worry that your plan can be derailed at any time. Join us and gain peace of mind so that you can retire comfortably knowing you won’t run out of money. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12689&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementmistakes #mistakestoavoid #planningmistakes #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #learnwithlisa
Join us on Zoom Wednesday, January 24th from 9:30 - 11 AM by registering at https://bit.ly/JAN_HOME or scan the QR code. 🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your first home. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help!
The new year is here, and now is the time to create financial goals to help you set yourself up for a more financially stable future. Sometimes, getting your finances organized can be a daunting task, but setting a few yearly goals can be easier than you think. Start the year off right by getting started on the five financial goals listed below. 1. Draft a Monthly Budget Even though this may seem like an obvious goal, many people find it hard to draft a budget each month and stick to it. A monthly budget is the beginning of gaining better control over your finances, and the more detailed it is, the better. 2. Take Control of Your Debt Debt can be one of the primary factors that can hold you back from financial success. Make a reasonable plan to reduce your debt and stick to it. 3. Make an Emergency Fund a Priority Medical costs, major vehicle repairs, job layoffs, and house maintenance can quickly derail a budget. Make sure that you have a fund set up specifically to handle these unforeseen expenses so that you don’t have to alter your monthly budget to accommodate. 4. Prioritize Retirement Savings Saving for retirement is something often put on the back burner until it is too late. The sooner you begin saving for retirement, the more time these savings will have to grow and the better return you will have on your investment. 5. Create a Long-Term Financial Plan Goals can be more difficult to set if you have difficulty envisioning the rewards that come with financial stability. Consider any long-term financial goals you may have, such as buying a house or retirement. Make this the year that you take control of your finances and get on the right track to achieve your goals. Consider the five financial goals listed above to help you get started. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #financialgoals #financialgoals2024 #goals #goals2024 #GoalsFor2024 #FinancialWellnessMonth #financialwellness #FinancialWellnessJourney #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
🏡 Grab the keys to your future in 2024! It's time to unlock the path to your dream home. Join our FREE Homebuyer's Education Workshop, where you'll access the keys to owning your home. Join us on Zoom Wednesday, January 24th from 9:30 - 11 AM by registering at https://bit.ly/JAN_HOME or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help!
January is Financial Wellness Month, which means it’s a good time to remind people to plan and update their financial strategy. Thinking about financial wellness is often a matter of setting goals for what you can accomplish now and what you can work on to make it a part of your larger financial strategy. For now, consider taking these actions: 1. Have a values-based conversation with the decision-makers in your household, meaning any tax-paying adult who contributes income and shares responsibility for the bills. 2. Consider automating payments, especially for regular items, including student loans, credit cards, and other installment payments. 3. Create an emergency fund reflecting 3–6 months of household expenses to establish a stable foundation going forward. 4. Make regular contributions to your retirement accounts. Take advantage of any matching contributions you might get from your employer. 5. Make long-term financial goals. If you are thinking in terms of buying a house, for instance, let that guide your overall financial strategy. 6. Is becoming totally debt-free an achievable goal? It can be, if you make it a priority. These are, of course, not hard and fast rules. As mentioned above, every individual has their own specific definition of financial wellness. Having your financial strategy in place can mean not only a great deal to you in the long term but may also provide you some comfort in the short term. Schedule a time to discuss this with your trusted financial professional today. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #FinancialWellness #FinancialWellnessMonth #FinancialWellnessJourney #FinancialWellnessMatters #financialempowerment #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Retirement planning is one of the most important financial goals for your future. Having an excellent financial retirement plan eliminates stress and allows you to accomplish your retirement goals with confidence. Failure to have a solid plan can cause anxiety, uncertainty, and worry that your plan can be derailed at any time. Join us and gain peace of mind so that you can retire comfortably knowing you won’t run out of money. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12689&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementmistakes #mistakestoavoid #planningmistakes #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #learnwithlisa
Де я проводжу заняття? Для себе і своїх студентів я обрала платформу miro. Детальніше те, як ми її використовуємо, буду показувати в stories. Чому саме miro? - Можливість тримати все в одному місці. Для мене порядок зовні завжди зводиться до порядку всередині, тобто, до порядку в голові. Як уроки, так і домашні завдання, - все створюється та розробляється там. - Візуал. Мої студенти зазвичай сприймають інформацію візуально, тому інтерактивна дошка сприяє ефективнішому сприйняттю інформації і звісно робить процес набагато приємнішим завдяки гарній картинці. - Безліч можливостей. Тут не обходиться без додаткових ресурсів та матеріалів, проте miro дозволяє адаптувати їх під себе. Можливість створювати різні типи занять, додавати посилання і зручно їх використовувати, дивитись відео з будь-якого ресурсу прямо на дошці, додавати різні таблиці та адаптувати їх під свої цілі, робити нотатки протягом уроку та ще багато чого корисного. Коли учень виконує домашні завдання на окремо створеній дошці, я також можу легко відслідкувати процес та результат його виконання. #викладачанглійської #викладачі #англійськаонлайн #LearnWithLisa
Формат моїх занять Маю досвід як з груповими, так і з індивідуальними заняттями, проте наразі відкрита для співпраці з новими студентами лише в індивідуальному форматі 📝 - Який рівень? Не працюю з початковим рівнем, тому рівні стартують від А2 до В2 включно (📍розповсюджується на підлітків і дорослих, з дітками - на будь-якому рівні). Мої студенти абсолютно різного віку, але, щодо дітей, то вік стартує від восьми років. Працюю з General English, а також IT English. Урок індивідуального формату триває 60 хв. Окрім часу, відведеного на уроки, я постійно на звʼязку зі своїми студентами. Година уроку включає в себе всі етапи, тож він є структурованим. - Warm-up - Lead-in - Reading | Listening | Video zone - Vocabulary - Grammar 1. Controlled Practice 2. Freer Practice Лексичну частину також поділяю на controlled та freer practice. Детальніше про це буду розповідати пізніше. Така структура є базою, на яку я завжди орієнтуюсь, але не забуваємо про запити студентів, адже якщо на початку виявляються слабкі сторони студента, котрі співпадають з його запитами, то структура уроку звісно коригується та адаптується під фокус на найважливіші аспекти індивідуально під учня. Застосовую методики відповідно до запитів учня, використовую інтерактивні платформи, структурую уроки та надаю перевагу перевіреним матеріалам. Але, окрім базових матеріалів, завжди беру до уваги інтереси учня і створюю відповідно до них уроки самостійно. Всю найважливішу інформацію щодо цього можна зручно переглянути в актуальному “формат занять”. #викладачанглійської #викладачі #англійськаонлайн #LearnWithLisa
👋🏻 Привіт, мене звати Ліза і я викладачка англійської з трирічним досвідом роботи у цій сфері. Працюю з учнями абсолютно різного віку (діти, підлітки, дорослі) за рівнем від А2 до В2, переважно в індивідуальному форматі. Наразі відкрита для співпраці з новими студентами саме в індивідуальному форматі, проте окрім цього маю досвід роботи з груповими заняттями. А також: - корпоративна англійська - IT English 👩🏻💻 Навчаюсь на останньому курсі факультету іноземної філології, але розпочала шлях у викладанні три роки тому. Наразі мій рівень - С1. Вступила до університету я вже з високим рівнем, так як з дитинства люблю англійську і знала, що повʼяжу життя з нею. Я починала як репетитор і проводила заняття офлайн. Поширювала інформацію про свої послуги на всім відомих репетиторських сайтах. Доволі швидко спробувала викладати онлайн у одній з відомих онлайн-шкіл англійської, де здобула цінні знання від менторів, проте не продовжила співпрацю, тому що не погоджувалась з регламентом школи. Тому, вирішила продовжувати шлях самостійно зі здобутими знаннями, але розпочалась війна і знаходячись закордоном знову викладала англійську офлайн також в індивідуальному форматі, а також багато, дуже багато, спілкувалась англійською. Невдовзі повернулась додому, але на невеликий проміжок часу залишила викладання і пішла працювати до англомовної компанії, а під час роботи там отримала пропозицію від школи англійської, котра відгукнулась на моє резюме. Продовжувала поєднувати дві роботи, але, в певний момент зрозуміла, що серце тягнеться до викладання і залишила першу роботу. Поступово почала пробувати себе у груповому форматі, а також у форматі корпоративної англійської. Наразі працюю з англійською для IT, до чого прийшла доволі неочікувано для себе, і звісно General English в індивідуальному форматі. - Я за комфортну англійську, де студент і викладач відкриті один перед одним, а формат є гнучким. Мої учні - це справжня окрема сімʼя, яка готова зростати, тож запис на індивідуальні заняття є відкритим 🫶🏻 #викладачанглійської #англійськаонлайн #LearnWithLisa
Чому саме ‘’FlexiSpeak’’? Найголовніша риса, яку я ціную як в особистих, так і в робочих відносинах, це flexibility, отже саме цей сенс і був укладений в назву. Щодо принципів, то за три роки викладання я зробила найголовніший для себе висновок - відповідати запитам студентів. Жодні теоретичні знання не стануть у нагоді, якщо їхня можливість бути застосовуваними в роботі з учнями зводиться до мінімуму. Відштовхуючись від запитів, аналізуючи запити студента, до гри вступають методики. Які методики та підходи я обираю? - Комунікативна (ймовірно, найбільш очікувана в цьому списку). Хоч вона і є для мене основною, підійде далеко не всім учням. - Test-teach-test Саме те, що є необхідним, коли ми згадуємо про аналіз запитів студентів. - Лексичний підхід - Task-based learning. Застосовую для більш конкретних цілей у вивченні (наприклад, English for IT), а не General English. - Аудіолінгвальний метод, зокрема для більш початкових рівнів. Про кожну з методик я буду говорити пізніше, але все буде зводитися до одного - аналізу запитів студентів. Викладач має навчатись все життя і поки ми навчаємо студентів, студенти навчають нас своїми кейсами. Підсумок: ✅ головна цінність, котрої я дотримуюсь - аналізувати запити студентів і, відштовхуючись від них, підбирати методики. Саме тут і відкривається та сама гнучкість, про яку писалось на початку. #англійськаонлайн #викладачанглійської #викладачі #LearnWithLisa
Join Lisa Klein, PT, IMT.C for exclusive classes on Comprehensive Manual Therapy Techniques. Each course is certified by the Maryland Board of Physical Therapy for 0.8 CEU credits. Secure your place by completing your registration on our website or by sending an email to: [email protected] #ManualTherapy #ContinuingEducation #LearnWithLisa #IMT #KleinClinical #TherapyJourney #TherapyJourney #ManualTherapy #KleinClinicalAdventures #LearningAcrossBorders #manualtherapy #physicaltherapytips #chronicpain #UnleashingPotential #manualtherapytechniques #physicaltherapy #physicaltherapyusa #kleinclinical #venezuela #fisioterapeutasvenezolanos #zoomclasses #dmvphysicaltherapy
Every year, retirees flock to warmer or colder climates as they seek balmy weather and seasonal entertainment. There's even a colorful name for these intrepid travelers: snowbirds. Depending on where you live, you may have heard this term before. What is a "Snowbird?" Snowbirds are typically retired—or are close to retirement—and have made the decision to spend the winter in a state other than where they normally live. No matter where you decide to spend part of your year as a winter guest, it may be helpful to think of your new endeavor as a lifestyle you're creating. This mindset can encourage you to think about the financial and emotional aspects of seasonal living in a more objective way. Who knows? Maybe your new lifestyle will be closer to your dream vacation than you think. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #wintering #wintertime #wintering101 #winterbreak #WinterSeason2023 #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Retirement planning is one of the most important financial goals for your future. Having an excellent financial retirement plan eliminates stress and allows you to accomplish your retirement goals with confidence. Failure to have a solid plan can cause anxiety, uncertainty, and worry that your plan can be derailed at any time. Join us and gain peace of mind so that you can retire comfortably knowing you won’t run out of money. Go to https://poway.augusoft.net/index.cfm?method=ClassInfo.ClassInformation&int_class_id=12689&int_category_id=7&int_sub_category_id=48&int_catalog_id=0 or call (619) 881-6262 to register. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #retirementmistakes #mistakestoavoid #planningmistakes #retirementplan #retirementplanning #retirementclass #financialclass #financialplanning #financialstrategy #planning #retirementlife #retirementgoals #goals #powaycalifornia #lamesa #lamesaca #poway #powayadultschool #powayca #lgcfinancial #lisaclaycomb #learnwithlisa
As another year comes to a close, it’s time to look back on your 2023 financial journey. Did you achieve the goals you set out to accomplish at the beginning of the year? Did you experience unexpected financial challenges? Were there areas where you excelled and others where you fell short? Let’s go over some steps to take as you evaluate your 2023 financial goals. 1. Review Your Initial Goals 2. Assess Your Progress 3. Consider Unexpected Financial Events 4. Analyze Your Budget 5. Ask Yourself the Tough Questions To effectively judge your financial performance over the past year, ask yourself these important questions: Did I increase my net worth this year? Did I reduce my debt, if applicable? Did I save and invest according to my financial plan? Did I achieve my short-term and long-term financial goals? Did I maintain an emergency fund? Did I contribute to my retirement accounts? Did I manage to stay within my budget and control my spending? Did I make progress toward achieving financial independence? 6. Quantify Your Achievements 7. Reflect on Non-Monetary Achievements Set goals for 2024 so you can kick the new year off right! 1. Identify Your Priorities 2. Make SMART Goals 3. Create a Detailed Plan 4. Adjust Your Budget 5. Monitor and Adapt Reflecting on your financial journey in 2023 and setting goals for 2024 is a valuable exercise in personal finance. It allows you to take control of your financial destiny, learn from past experiences, and make informed decisions for the future. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #AnnualFinancialGoals #financialgoals #financialgoals2024 #financialgoalsachieved #financialjourney #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
The holiday season is a time for joy, family gatherings, and travel. Many of us look forward to visiting loved ones or embarking on a well-deserved vacation during this time. However, it’s important to keep your house safe while you’re away. According to a 2022 study, there isn’t a significant tick in the number of burglaries during the holiday season, but they are costlier. The average value of stolen items is 5% higher in December than other months. Protecting your house from potential threats, whether burglaries, accidents, or weather-related issues, is essential for peace of mind during your holiday travels. In this blog, we’ll explore some valuable tips to keep your house safe when traveling for the holidays. 1. Lock All Doors and Windows 2. Invest in a Security System 3. Notify a Trusted Neighbor or Friend 4. Secure Valuables 5. Adjust Your Thermostat 6. Utilize Smart Home Technology 7. Don't Broadcast Your Absence Protecting your home during the holidays while you’re away doesn’t have to be stressful. By taking a few simple precautions and investing in security measures, you can peacefully enjoy your travels. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #holiday #holidaytravel #HolidayTravelTip #travel #BeSecured #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
December is Identity Theft Protection Awareness Month and we’re taking this month to share some ways you can help keep your identity safe. In 2022 alone, the Federal Trade Commission received 1.1 million reports of identity theft.1 Identity theft can happen in a number of ways: in-person, online, through email or over the phone. However it occurs, identity theft affects a large number of people per year. Let’s learn about how you can protect your identity and sensitive information online and in-person. Tip #1: Don’t Assume Your Identity Will Never Get Stolen Tip #2: Use a VPN When Using Wi-Fi to Increase Data Protection Tip #3: Don’t Share Your Passwords or Use the Same Password for Multiple Sites Tip #4: Sign Up for 2-Factor Authentication Tip #5: Be Careful About How Much Personal Information You Share on Social Media We live in a very connected world, and it’s more important than ever to protect your information and your family’s information. Staying safe online and practicing these tips will help prevent you from falling victim to increasing identity theft scams. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #IdentityTheft #identitytheftprotection #protectyourself #SecureDataHandling #SecureYourData #SecureYourIdentity #BeSecured #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
The holiday season is a time of joy, celebration, and giving. However, with all of the holiday excitement comes the need for careful financial planning. Setting a budget for the holidays is essential to ensure that your celebrations are both enjoyable and financially responsible. Here, we'll explore how to craft a holiday budget that fits your needs, allowing you to revel in the holiday spirit while still watching your wallet. 1. Reflect on Your Values and Priorities Before diving into budgeting details, take a moment to reflect on your values and priorities for the holiday season. 2. Determine Your Total Holiday Budget Once you've clarified your holiday priorities, establish an overall budget for the season. 3. Include a Contingency Fund Even the most meticulously planned budgets can encounter unexpected expenses. To account for any surprises, set aside a contingency fund within your holiday budget. 4. Account for Charitable Giving The holiday season is a time for generosity and giving back to those in need. Consider allocating a meaningful portion of your budget to charitable donations or philanthropic initiatives. 5. Monitor and Adjust as Needed Once your budget is in place, monitor your spending throughout the holiday season. Keep track of expenses, review your budget regularly, and be prepared to make adjustments if necessary. Crafting (and sticking to) a budget is a thoughtful and responsible approach to the holiday season. By reflecting on your values, prioritizing spending categories, and adjusting as needed, you can create a holiday experience that is enjoyable and aligned with your financial goals. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #HolidayGifts #HolidayBudgeting #holidaybudget #budgetingtips #holidayshopping #HolidaySeason2023 #BudgetFriendly #budgeting #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Open enrollment (the annual period when you can enroll in major medical health insurance plans), begins November 1, 2023, and will remain open until January 15, 2024. You will need to enroll by December 15, 2023 for coverage that begins January 1, 2024. For someone looking to change or add coverage, this offers a short window of time to decide on and select your health insurance plan. Below we’ve rounded up our top tips for choosing the right health insurance plan for you and your family’s needs. Who Should Utilize Open Enrollment? The Open Enrollment Period (or OEP) is for anyone looking to make a change to their health insurance coverage, whether through their workplace or the federal market. Tip #1: Assess Your Current Costs Tip #2: Choose Your Marketplace Tip #3: Decipher Your Available Plan Types Tip #4: Account For Your Current Providers Every plan type either requires you to visit in-network providers or offers lower out-of-pocket costs for visiting an in-network specialist. If you already have preferred providers on your current plan, switching plans could jeopardize your ability to visit them in the future (or cost you more to do so). Picking the right health insurance plan for you and your family can feel daunting, confusing and rushed. With some time left before open enrollment, do yourself a favor and create your plan of action now. Prepare now by determining what type of plan may be right for you, what coverage you know you’ll need and what marketplace you’ll be buying from. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #openenrollment #OpenEnrollment2024 #openenrollmentperiod #openenrollmentseason #healthinsurance #HealthInsuranceMatters #healthinsuranceplan #medicalplan #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
🖤 Shop our Cyber Monday Sale! ⠀ ⠀ Learn with Lisa is a series of online classes via zoom where you will learn various techniques to apply to your current project. ⠀ ⠀ Sign up for the yearly pass and receive 20% off through 11/28. ⠀ ⠀ 📆 View topics and dates in the link in our bio! ⠀ ⠀ #blackfriday #learnwithlisa #needlepoint #onlineclasses #zoomclass #sale⠀
🖤 Shop our Black Friday & Cyber Monday Sale! ⠀ ⠀ Learn with Lisa is a series of online classes via zoom where you will learn various techniques to apply to your current project. ⠀ ⠀ Sign up for the yearly pass and receive 20% off through 11/28. ⠀ ⠀ 📆 View topics and dates in the link in our bio! ⠀ ⠀ #blackfriday #learnwithlisa #needlepoint #onlineclasses #zoomclass #sale⠀
November is National Family Caregiver Month, an opportunity to honor the physical, mental and emotional effort caregivers put into their role every day. When looking after a loved one, it’s important to understand the financial challenges this life milestone can create. Here are a few things to consider if you find yourself leaving the workforce to care for a loved one. 1. Understand Your Resources 2. Have an Income Plan 3. Consider Your Future 4. Plan for the Emotional Changes, Too There’s a lot to consider when becoming a caregiver, especially if you plan to retire early to focus on your new role. Be sure to consider all your available resources to help close any income gaps and account for the financial and emotional changes you’ll likely undergo, from income planning to finding a support system. And remember, your financial professional is here to help with life’s big transitions. If there’s anything we can do to support you, please reach out. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #NationalCaregiverMonth #familycaregivers #FamilyCaregiversMonth #familycaregiving #familycaregiversupport #caregiver #caregiving #CaregiverSupport #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #LearnWithLisa
Credit cards have revolutionized the way we manage our finances. However, this convenience comes with its own set of risks, including credit card fraud. As technology advances, so do the tactics employed by cybercriminals to steal sensitive financial information. According to Bankrate, in 2021, the FTC dealt with nearly 390,000 reports of credit card fraud, with US losses projected to reach $165.1 billion in the next decade. What is Credit Card Fraud? Credit card fraud encompasses a range of illicit activities aimed at unauthorized access to your credit card information. This includes unauthorized transactions, identity theft, account takeover, card-not-present fraud, and more. Cybercriminals use tactics like phishing, skimming, data breaches, and malware attacks to access your sensitive information. Here are some important tips for protecting yourself from credit card fraud: 1. Regularly Monitor Your Accounts 2. Enable Account Alerts 3. Secure Personal Information 4. Use Strong Passwords 5. Embrace Two-Factor Authentication (2FA) 6. Be Wary of Phishing Attempts 7. Protect Your Devices 8. Check for Secure Websites 9. Use Virtual Credit Cards 10. Regularly Check Your Credit Reports By understanding the tactics employed by cybercriminals and following these tips, you can significantly reduce the risk of falling victim to credit card fraud. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #creditcardtips #creditcardfraud #creditcardpayments #creditcard #fraudprevention #FraudAwareness #FraudAlert #FraudProtection #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Check out our upcoming November schedule for Learn with Lisa! 📅 Wednesdays at 2 PM AZ time 💻 The class will be hosted by Zoom Sign up today to learn various techniques to apply to your current WIP. #onlineclass #learnonline #zoom #needlepointclass #bestitched #learnwithlisa
As the holiday season draws near, most people are thinking about their finances over the next few months and budgeting for how they can celebrate the most wonderful time of the year. Which is perfect timing because October is National Financial Planning Month! 1. Create a Budget The first step in understanding and taking control of your finances is creating a budget and sticking to it. Everyone’s budget will look a little bit different, but the 50/30/20 rule is a good place to start. 2. Be Smart With Your Debt Not all debt is created equal, meaning debt isn’t always a “bad” thing if you are smart with it. For example, taking on a car loan and making all the payments on time can help you afford a car if you don’t have enough money to pay cash and can help you build up your credit score. 3. Understand Interest Rates Speaking of interest rates, it’s important to understand how they impact your finances and debt. Depending on the current market and your credit score, mortgage rates generally hover between 3% and 6%. In addition, understanding interest rates can help you make strategic financial planning decisions. 4. Get Covered by Insurance Lastly, another thing you can do to celebrate Financial Planning Month is to ensure that you are properly covered with the right insurance. If you have dependents or people relying on your income, life insurance is a must-have. Life insurance can ensure that the people you love will be taken care of if something were to happen to you. There are lots of things you can do to take control of your finances for National Financial Planning Month, and these are just a few. Kick off the holiday season by strengthening your financial fitness. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #october #October2023 #financialplanningawarenessmonth #FinancialPlanningMonth #FinancialWisdom #FinancialWisdom #financialfitness #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Medicare’s open enrollment period happens once a year between October 15 and December 7. During this time, current Medicare beneficiaries have the option to adjust their coverage for the coming year. This can be a useful option for those who may have recently changed medication, underutilized their current coverage or found they could use additional benefits. Can Anyone Make Changes During the Open Enrollment Period? Medicare’s Open Enrollment Period is only for those who are already existing Medicare beneficiaries. Are Changes Made During Open-Enrollment Effective Immediately? No, the changes you elect to make during Medicare’s open enrollment period will not go into effect until January 1, 2024. What Changes Can Be Made During Medicare’s Open Enrollment? During the open enrollment period, you are eligible to change your Medicare coverage, and you also have the option to switch between different Medicare plans. Medicare Advantage Medicare Advantage (or Part C) is a type of healthcare plan offered by private companies contracted through Medicare. It’s designed to combine Part A (hospital insurance) and Part B (medical insurance) as well as, in some instances, offer a prescription drug plan or other additional coverage. Medical expenses can add up quickly, especially if your current coverage is not tailored to address your needs. Use this time to shop around for any changes that could be beneficial for the upcoming year. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #Medicare #medicareadvantage #MedicareForAll #MedicareOpenEnrollment #Medicare2024 #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
What is the Fed? “The Fed” stands for the Federal Reserve System, the USA’s central banking system. It was established by Congress in 1913 and is an independent entity that was designed to bring stability and integrity to the country’s monetary and financial system. The Fed has five general functions, including: 1. Conducts the nation’s monetary policy 2. Promotes the stability of the financial system 3. Promotes the safety and soundness of individual financial institutions 4. Fosters a safe and efficient payment and settlement system 5. Promotes consumer protection and community development When the Fed lowers interest rates, borrowing becomes cheaper, which can lead to increased spending by consumers and businesses. This surge in demand can boost the economy and potentially lead to higher stock prices. However, lower interest rates mean savers and investors earn less on their money, which can push them to look for higher returns for their investments. Conversely, when the Fed raises interest rates, borrowing becomes more expensive, which can slow economic activity. This can lead to lower stock prices, as businesses might see their revenue decrease, and consumers may cut back on spending. However, savers and bond investors can benefit from higher interest rates as they earn more on their investments. The Fed plays an instrumental role in steering the economic course of the nation. Its decisions affect not only big businesses and banks but also the average American and their financial future. By understanding the workings of the Fed and its influence on the economy, individual investors can make more informed decisions about their investments. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #Federal #FederalReserve #FederalReserveSystem #federalreserveinsights #federalreservebank #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #learnwithlisa
Life insurance is an insurance policy that provides cash to your family or loved ones after your death. This "death benefit" helps replace your income and supports your loved ones in the event of your passing. Your family can use this payment for funeral expenses, mortgage payments, college tuition, and other bills. There are two main types of life insurance: term life insurance and permanent life insurance. Term life insurance policies cover the insured for a specific period, usually between 5 and 30 years, depending on your policy. Permanent life insurance policies cover the holder for their entire life. Some of these policies also carry savings or investment components. A simple way to calculate how much life insurance you need is to consider all your immediate, ongoing, and future expenses, as well as the financial resources that your loved ones already have. This is how you may need to make up with a life insurance policy. Forbes lays out the DIME method: debt, income, mortgage, and education. 📲 Contact us at (760) 604-6610 or visit our website https://lgcfinancial.com/ #LifeInsuranceAwarenessMonth #LifeInsurance #lifeinsuranceawareness #lifeinsurancematters #insurance #BeInsured #InsurancePolicy #FinancialStrategy #financialliteracy #financialplanningtips #financialplanning #financialawareness #financialadvisor #lgcfinancial #lisaclaycomb #LearnWithLisa
Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer certificate. #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision
Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer certificate. #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision
Calling all homebuying dreamers! 🏡 Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! . #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #UnlockYourDreamHome #AffordableMortgage #OwnYourHome #RealEstateExpert #InvestmentStrategy #InvestSmart #Passivelncome #HousingMarket #Mortgage #Lender #Broker #LasVegasRealEstate #Realtor #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #lisafoster
Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer certificate. #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision
🧵✂️ Learn with Lisa's September/October schedule 📆 WHEN: Wednesdays at 2 PM AZ time 💻 WHERE: Online Zoom Class Upcoming Schedule: 👇 ✨ Beginners Flower Class - September 20th ✨ Ribbon Work - September 27th ✨ Beginners Foliage Class - October 4th ✨ Knot Variations - October 18th ✨ Intermediate/Advanced Beading Class - October 25th 🔗 Head to our website to register! #needlepointzoomclass #onlineclass #bestitched #learnwithlisa
Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer certificate. #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision
Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Thursday, September 21st from 9:30 - 11 AM by registering at https://shorturl.at/yLPW8 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer certificate. #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #OwnYourHome #LasVegasRealEstate #HomeGoals #nevadahousingdivision
Calling all homebuying dreamers! 🏡 Join our FREE Homebuyer's Blueprint- Road to Home: Education Workshop, where you'll access the keys to owning your first home. Join us on Zoom Friday, September 8th from 9:30 - 11 AM by registering at https://shorturl.at/yMPR1 or scan the QR code. You'll leave with great insight, knowledge, and a homebuyer education certificate. This is an event you cannot miss if you've ever thought of owning a home. We're here to help! . #HomebuyingMadeEasy #LearnWithLisa #apmvegas #exprealty #shantapattongolar #lisafoster #rhondatolbert #UnlockYourDreamHome #AffordableMortgage #OwnYourHome #RealEstateExpert #InvestmentStrategy #InvestSmart #Passivelncome #HousingMarket #Mortgage #Lender #Broker #LasVegasRealEstate #Realtor #HomeGoals #nevadahousingdivision #CreditGoals #TrustTheProcess #lisafoster