EXPERIENCE A W3 L!FESTYLE April 2011
Get it TOGETHER
Special product finds to help you get organized
The Good Life Ratio
Grass Fed Goodness
Apartment Living at it’s Best
or Won’t I
The game of goal achievement
Great buys to help improve your life
Meat from Pasture Fed Cattle is Different Kitchen Tricks Storage Tips and Healthy Recipes
A W3 LIFESTYLE MINIZINE
Upcoming Events Full Community Event listing coming soon!
COMMUNITY INFO - W3 LIFESTYLE 3 Letter from the Community Management Team Awarded a National Apartment Designation as a W3 Lifestyle Community Only a small percentage of apartment communities within a given market can hold the W3 Lifestyle designation. This National Apartment Designation represents Superior Resident Services and Superior Product Quality. Our community has achieved this great honor. In 2011 we have many exciting things coming up including some fantastic resident events as well as your continuing to receive this publication every month which will always be jam packed with useful information. We may even have a few other tricks up our sleeves! It is our goal to make sure your living experience here is the absolute best that it can be. YOU are what makes our community so special and we appreciate your desire to assist us with keeping it clean and making it a great place to live for not only yourself, but for your neighbors as well. Anytime you see anything that needs repaired on the community please feel free to let us know so that we can attend to it quickly.
Redcliffe at Kenton Place Community Manager Joanne Blank Assistant Community Manager Lisa Nickol Leasing Consultant Allison Barton Maintenance Supervisor Don Mobley Leasing Technician Jerome Burrell
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EXPERIENCE A W3 L!FESTYLE
Apartment Living at itâ€™s Best
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Five Tips for Your Better Financial Future What is the sign of a good decision?® It’s assessing and then addressing what is most important to your family and its financial future. If you are like many Americans, the recent economic downturn has thrown your family budget for a loop. Many have readjusted their spending habits to such an extent that there is now a new normal. For example, they no longer shop as much as or where they used to; they may indulge in a staycation, rather than a true getaway; and items that were previously considered to be necessities have been relegated to the “can’t afford” or “not needed” category. If you think these are temporary changes, think again. Many economic analysts feel that these new attitudes are here to stay. Your personal economy You probably know someone who has been laid off or personally impacted by these challenging economic times. And even if you have been fortunate enough to remain employed, you may have been affected by the fallout from declining retirement plan balances. And, similar to the changing financial attitudes that resulted from Great Depression, the difficult times resulting from what many now call the Great Recession have forced many families to take a step back and take a long, hard look at their finances—and where they want to be financially in the future. Tips to help improve your economic future Here are some tips to help you take stock of your overall economic picture, with actionable steps designed to help improve your long-term financial security.
Tip #1: Determine what is really important.
Take stock of what is really important to you and your family—is the newest electronic game system or cell phone more important than creating a secure financial future? Start by developing your family’s mission statement. This is easier than it sounds: Simply write out what is important to you as a group. Be sure to include what your long- and short-term goals are, and what you are willing to give up in order to make those goals a reality. Don’t forget that along the way, you may still want to decide what little luxuries your entire family can enjoy (like a video game system) that you want to keep in your budget – since these can help you feel less deprived and even save you money (by keeping you from going out to first-run movies, for example).
Tip #2: Cut back, even if it hurts (a little).
Figuring out what is most important to your family from a financial perspective is a smart move –and a good decision for your long-term financial security. Making even small sacrifices in your spending can help you meet your goals. Look carefully at how you and your family members spend your money so you can identify where you can make small changes to cut back on non-essential expenditures. And don’t overlook the bigger-ticket items you pay for every month, such as your cable TV/Internet subscriptions and car insurance. Making minor adjustments to these items can free up more dollars than you might imagine, and play a significant role in helping you fund your family’s long-term financial goals.
Tip #3: Become a dedicated saver. If you are like many families, trying to juggle financial priorities can make saving extremely difficult in tough economic times. Successful savers use the concept of paying themselves first whenever they receive a paycheck. Over time, adopting that one smart move can help you reach your financial goal of saving for a car, a vacation, or whatever is a priority for your family. It’s the sign of a good long-term decision. To help make it easier, check with your employer to see if you can have part of your pay automatically deposited into one or more savings accounts. It can make saving automatic—and nearly painless.
Tip #4: Run your numbers.
Do you know if you are on track with your current disability coverage, life insurance, and retirement savings plan(s)? In other words, will these important items provide you and your family with the amount of financial protection you’ll need – when needed? Don’t wait until it’s too late. Take a checkpoint now to assess their adequacy and make the appropriate adjustments. Taking the right steps today can help to ensure a better financial future for both you and your loved ones.
Tip #5: Get the help you need.
When it comes to Tips 1 through 4, you may feel you need some assistance. Whether you need help in just one area or all four, start looking at your future through a new lens – one that has your family’s financial goals in focus, with a plan to help you get there. Contact a financial professional to discuss ways they can help you put these tips into action—and your financial dreams on track. © 2010 Massachusetts Mutual Life Insurance Company, Springfield, MA CRN201205-133776 Provided by I. Scott Kallish, a financial representative with Financial Partners of Johns Creek, LLC, who represents MassMutual and other companies; courtesy of Massachusetts Mutual Life Insurance Company (MassMutual) He can be reached by telephone at 678-648-1448 or 770-296-0104 (cell), e-mail: skallish@financialguide. com and online: www.financialguide.com/Ira-Kallish.
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National Apartment Designation Some of the Criteria for Initial Designation: - Provide Superior Resident Services - Provide Superior Product Quality - Commit to Consistent Resident Events - Commit to Superior Resident Communication All Designated Communities are Monitered Monthly
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Spread The Word about W3 Lifestyle Designation ONLY The Best of The Best in Apartment Communities can hold the National Apartment Desigation as being a W3 Lifestyle designated Community. Community performance is then monitored on a monthly basis. Apartment Communities cannot â€œbuyâ€? their designation, they must earn it. As a third party who evaluates communities as our specialty, we have already done the leg work for apartment renters. Tell your friends and family when they are ready to lease their new apartment home - look for the designation of excellence, W3 Lifestyle. ONLY W3 Lifestyle designated communities are evaluated and then monitored monthly for excellence. Experience a W3 Lifestyle...