Now that I am working with a team of financial advisors and experts, I learn more each day. Financial strategies can keep a business with less expenses, adding more money in their pocket and doctors with less income taxes. Financial strategies can help a new home owner be at peace with the mortgage. For the self employed and enterpreneurs, financial strategies can help their money work harder for them with guaranteed returns and liquidity.

There are many ways we can leverage time and money. Surround yourself with successful people and financial advisors to save your from loses and taxes.  Reducing taxes should be number one in our goal.

Contact Connie Dello Buono to have a 30min chat with a financial advisor at 408-854-1883 and email at 

Mike, my mortgage broker sends me this email letter today:

The Real Estate and Mortgage world continues healthy. Yet a few interesting statistics will help underscorethis month’s Good, Bad and Ugly. Of particular interest, is the current trend in interest rates and what is called, money supply.

Worldwide: As our Federal Reserves plans on reducing its printing of money, China talks of easing its money supply while the EU is expected to follow suit. One wonders if there is a growing fear ofdeflation in the short-run.

US: Federal Reserve policy of printing money has kept rates low these last four years. And with China and the EU considering adding more money, rates could likely remain low and stable. This may help prevent a stall in the growth of investment credit. Add to this the lowest wage growth in 50 years, and one knows the ‘why’ behind the recent nation-wide slow down in new home growth.

Local: Though job growth shows signs of slowing, income growth over the last few years remainsincreasingly higher for the Bay-area economy. We remain unique.

Now onto the Good, the Bad and the Ugly:

THE GOOD: Our interest rates and pace of lending remains the bright star this month. Even better, money availability is improving with more and more people able to quality. If you have been waiting, wait no more as credit fears are easing and low down payments are back.

The challenge is rising demand may cause a jump in the affordability index. Good news and bad.

THE BAD: Real inflation (food, energy, insurance, etc.) is essentially doubling every 6 to 8 years, with family income barely keeping pace. Lending is no longer the restrictive factor as we have enjoyed thesignificant savings of far lower interest rates. Yet the knowledge of our cost to get out of bed and go to work,can be frustrating. We need to encourage strong jobs growth, a jump in small business activity, along with the business freedom to be inventive and innovative.

However, let us not forget that for many on fixed income, low interest rates hurt them financially. Such is sad for those who believe in the discipline of saving. Unfortunately many lack the financial planning skills toplot a more diversified approach to meeting their needs. I would love to help.

THE UGLY: PG&E was fined $1.4 Billion for the Belmont gas explosion, findings of over 23,000 errors! Irresponsible? Yes. Yet one must wonders who will actually pay the fine and the money needed to fix decades of oversight? Can you say higher rates are coming? With this, one must wonder: Do leaders at PG&E get fired? Are those with oversight at the PUC and those in Sacramento charged with the job, going to be fired? My answer: They should be. Why? “Gross Negligence of Duty.”