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Market Watch

Mike Frahm

Dec. 2010 1-920-993-7242 Free Real Estate Information www.foxvalleyhomesearch.com

Coldwell Banker,

The Real Estate Group, Inc.

Stop Paying Your Landlord's Mortgage and Learn How to Own Your Own Home. Fox Valley: If you're like most renters you feel trapped within the walls of a house or apartment that doesn't feel like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your own home. Well don't feel trapped any more! A new FREE Special Report entitled "How To Stop Paying Rent and Own Your Own Home" has already helped dozens of local renters get out from under their landlords finger, and move into a wonderful home they can truly call their own. You can make this move too by discovering the important steps detailed in this Free Special Report. It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. With the help of this report, it will become suddenly clear to you how you really can save for the down payment and stop wasting thousands of dollars on rent. To get your FREE copy today Call

1-877-599-6555 ID# 5009

“I love You” Money This month, I want to share a new budgeting idea that my husband and I came up with for couples. It's great to have a little bit of "fun money" to spend however you please each month, but we both also like being able to buy some little things to surprise each other. One of Jeff's top love languages is gifts, so he really likes getting and giving them. But until recently, we didn't really have money set aside for things like that. Jeff would surprise me with flowers, and while I was delighted and appreciated the gesture, I couldn't help but wonder, What fund is this going to come out of? And while I liked getting small gifts for him while I was out and about, sometimes it would end up coming out of the grocery money, leaving us with less than we needed for food! It wasn't really a problem, per se—it just took away from what we knew could work better. So, we came up with this solution: I Love You money. Now, we have added a specific category in the budget for I Love You money. Mine to spend on him and his to spend on me are separate line items. We shuffled things around to find the extra cash, and it was definitely worth it! It's not much—just $10 or $15 for each of us depending on the month's other expenses, but we've enjoyed it so much! Some of Jeff's favorite things are bottled sodas and T-shirts. Being able to pick up something like that on my way home on Friday afternoon sets a fun tone for the weekend for both of us. Plus, we now pay more attention to the little things we each like to receive. Here are some I Love You money ideas for those who are single: Set aside $10 or $15 in a category to spend on people you love—a neighbor, friend, family member or coworker. It doesn't have to be the same person every time. While you probably have a "giving" fund and a "gifts" fund, this would be different—just money for little surprise treats for people you care about. It creates a new way to experience the joy of giving and helps you to be more aware of what says "I love you" best to people in your life. So, I hope you'll consider giving I Love You money a try! It's a little thing that's made a big difference for us. Article From www.daveramsey.com

THE HASSLE FREE REFERRAL PROGRAM Mike, I think these people could use your trusted advice and counsel about Buying a home Name:

Simply call me at 993-7242 or go to

Selling a home

Getting a mortgage Phone/Email:

mikefrahm.com and fill out the refer form Thanks


House Not Selling?? Fox Valley: If your home has just come off the market and hasn't sold, don't be discouraged. The reason your home did not sell may have nothing to do with your home or the market. In reality, your home may have been one of the more desirable properties for sale. So Why Didn't Your Home Sell? Last year almost half of the homes listed for sale never sold at all, and many sellers found that there was a tremendous amount a homeowner needed to be educated on to sell their home for top dollar in the shortest time period. Don't risk making the wrong choices and losing both time and money on your investment. Before you hire a realtor, know the right questions to ask to save you time and money. Industry experts have prepared a free special report called "How to Sell a House that Didn't Sell" which educates you on the issues involved.

To get your FREE copy today visit: www.foxvalleyexpired.com or call 428-7709.

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Avoid Paying To Much When Buying A Home. How to avoid 9 common TRAPS when buying a Home

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Newsletter Dec. 2010