<br /><br /><br />Willow Creek Estates : Monthly Newsletter
Folsom Real Estate e-Newsletter
exclusively for Folsom Residents
November 2015
Featured Article
Neighborhood News
Folsom Real Estate

Brought to you by:

June Balazs, Realtor®
McKiernan Realty

E-Mail Me
Visit My Website

49 Natoma Street, Ste. A
Folsom, CA 95630

Happy Thanksgiving

Welcome to your November Newsletter!

Thanksgiving will be here soon and I would like to wish you a wonderful Thanksgiving shared with family and friends!

I would like to invite you to take a few minutes to check out all of the information that is available to you in this newsletter.  Please enter the monthly drawing!  I feature a business of the month so if you or someone you know has a business in Folsom I will be happy to add it on a rotating basis. 

Please feel free to contact me with suggestions or if you have any questions.


June Balazs

Your Referrals Are Always Appreciated



 Featured Article  
The current interest rate for a 30 year fixed rate is at about 3.76% and 2.98% for a 15 year fixed rate.
There is a strong possibility that the Fed will decide to raise the interest rate when they meet in December.

Below is the latest TrendGraphix for single family homes in Folsom


Folsom Named Best Place in California for Families

The City of Folsom was recently named the best place in California to raise a family, according to personal finance site WalletHub.com. WalletHub compared 240 California cities across 22 key metrics. Folsom landed the top spot thanks to quality housing, parks and neighborhoods, public safety and family recreational opportunities.  

 Neighborhood News  

 November Monthly Drawing 

Please enter below for a chance to win:

Gift Basket!

Click Here to enter the drawing!

Please include your name, address and phone number. 
You must live in Folsom to be entered to win.
Last day to enter drawing is November 30th

October Drawing Winner is:  Sonja Shipley

She won a $10.00 Peet's Coffee & Tea Gift Card

Featured Business of the Month


Best Ways to Boost Creditworthiness :
Source – Take Charge America

1. Limit the Number of Cards

People are bombarded with dazzling credit card offers, but applying for too many can negatively impact credit while also increasing the risk of deep debt.

2. Avoid Fees

Credit card companies charge fees for late payments—even when it’s just a day or two—and for exceeding card limits, even if it’s only a few dollars. Worse, exceeding limits or making late payments may trigger a higher interest rate and show up on your credit report.

3. Pay Off Balances Every Month

Many people fall into the trap of making just the minimum payment, but paying off balances ensures consumers aren’t wasting money on interest.

4. Never Get a Cash Advance

The prospect of quick cash is tempting, but advances almost always come with hefty fees and high interest.

5. Don’t Close Old Accounts…

While this may seem counterintuitive, closing a card may negatively impact your credit because it reduces credit-to-debt ratio and credit history, both major factors credit bureaus use to calculate scores.

6. …Unless There Is a Steep Annual Fee

In this case, the benefits of closing the account may outweigh the potential effect on credit.

7. Review Statements Each Month

It’s important to check your account statements monthly to ensure they are accurate and that you understand the terms.

8. Opt-Out of Prescreening

Minimize the temptation to open new cards by opting out of pre-screened offers at optoutprescreen.com.

9. Use the Perks

Credit cards offer perks beyond travel rewards and cash back, but many don’t know about them. Agreements spell out all of the benefits, from buyer protection and car rental discounts to extended warranties and free airport lounge access.

10. Use Cards Online

With identity theft on the rise, use credit when making purchases online. If your number is stolen, you will not be out any money while the card company investigates. With debit cards, the money may be inaccessible while the situation is being resolved.

 Folsom Real Estate  

Listed For Sale:

Click Here to view a list of Homes FOR SALE in Folsom
Updated 11/02/2015

Pending Listings:

Click Here to view a list of Homes PENDING in Folsom
Updated 11/02/2015

Recently Sold:

Click Here to view a list of recently SOLD Homes in Folsom
Updated 11/02/2015

Let me know if you have any ideas or suggestions you would like to see in future newsletters.

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