HotelDel DownTown Sunset

T.G.I.F. from Jennifer Ross -  Realtor
Mary Cono!
Mary has won the iPod Nano 8GB - congratulations, Mary.
The next drawing will be in a few weeks.
How to Save Money On Health Care  
As health care costs continue to rise, here are some ways to save money.
  1. Cost comparison Web sites. A few states, such as Massachusetts and New Hampshire, have cost comparison sites. Go to your state department of health site to find out whether your state offers cost comparisons. These sites give prices for specific procedures at specific facilities. Find links for the health departments of all 50 states at this U.S. Centers for Disease Control and Prevention page.
  2. Insurance companies often can compare costs for you at different facilities. Go to your insurance company's Web site.
  3. Benefits departments, especially at large employers, can sometimes help compare costs. They can also sometimes help if your insurance company is giving you a hard time about paying its share of doctor's bills.
  4. The wisdom of crowds. Ask other people who've had your procedure how much they paid for it. The most efficient way to do this is to go to Web sites where people talk about their medical experiences. Here are a few, such as Steadyhealth and's health chat.
  5. Call around. Call hospitals and doctors' offices and ask what they'll charge for a certain kind of procedure. This can be very frustrating and hard to do because the office can't always give you a straightforward answer, but it's worth a try because it can save you thousands of dollars
 Courtesy of CNN.
Buying a Home 
How much could you lose by waiting?
Besides the loss of the $8,000 tax credit, the biggest game-changer facing buyers is a potential jump in mortgage rates. If the Fed moves ahead with its plan to stop buying mortgage-backed securities at the end of March, the rate on a 30-year fixed mortgage is expected to increase nearly a percentage point from today's 5.18% to 6.1% by the end of 2010, according to the Mortgage Bankers Association. On a $300,000 fixed-rate mortgage, that's an extra $174 per month.
Other tips and tricks for buying a home can be found here on my website.
  • Women who are very optimistic have a 9 percent lower risk of developing heart disease and a 14 percent lower risk of dying from all causes than women who score lowest for optimism.
  • People who were optimists at age 25 are significantly healthier at ages 45 and 60 than those who were pessimists.
  • People with a high degree of hostility and cynicism are 16 percent more likely to die than those who score low for those traits.
  • When studying angioplasty patients, researchers found that pessimists were three times more likely than optimists to have heart attacks or require repeat angioplasties.
  • Genuine, voiced laughter boosts energy consumption and heart rate by 10 to 20 percent, which translates to about 40 calories burned for every 15 minutes of belly laughing.
 Source: Women's Health Initiative and Psychology Health and Medicine
Selling Your Home  
You know that your house needs regular upkeep in order to stay in good condition. Not only can little maintenance issues become expensive and turn into major repairs, but nowadays problems that boom-time buyers might have overlooked can be huge liabilities when it comes time to sell, says James Carey, author of "Home Maintenance for Dummies." Good thing that most crucial maintenance tasks can be done just once a year at a certain time. Read A Seasonal Guide To Home Maintenance for the right dates to mark in your calendar.
Other tips and tricks for selling your home can be found here on my website.
Website of the Week
This is the largest and most complete aggregator of financial rate information that I've seen on the Web. The site constantly surveys 4800 financial institutions in all 50 states to provide real-time rates on around 300 financial instruments - mortgages, credit cards, car loans, money market accounts, and certificates of deposit - so you can find the best rates and save money.


Jennifer Ross

Experience Counts!
Over 21 years in
Real Estate sales
Serving all of San Diego
Office: 800.913.7677
Direct: 619.985.7340
Famous Quotes 
"The world is full of abundance and opportunity, but far too many people come to the fountain of life with a teaspoon instead of a steam shovel. They expect little and as a result they get little."

Ben Sweetland, Author

Kids are smart!
Girl Cartoon 
When your mother is mad and asks you "Do I look stupid?", it's best not to answer her.
Meghann, Age 13
You shouldn't stand in a bucket of water and touch an electric fence just because your brother tells you to.
Melissa, Age 13
If mom's not happy, nobody's happy.
Neely, Age 13
My grandmother can say more in a sentence than a college professor can say in an hour and a half.
Angela, Age 14
When you mom is mad at your dad, don't let her brush your hair.
Morgan, Age 11

 As always, feel free to give me a call 800-913-7677 with your real estate needs.  Coldwell Banker logoI appreciate your referrals!
- Jennifer