8 Resolutions for Retirement Savers This Year by Greg & Lisa Doyle, J. Rockcliff Realtors

#1 Rebalance with an eye toward your job and tax efficiency.

#2 Consider a Roth IRA converstion.

#3 Contribute the maximum amount in your 401k plan.

#4 Set up installment plans for your Roth IRA if you can’t pay all up front.

#5 Keep track of all of your accounts.

#6 Review your Summary Plan Description.

#7 Look into in-service distributions.

#8 Check your beneficiary designations.

Heed these 8 tips to keep your retirement plan on track for the year ahead.  If you are in an employer-sponsored plan, stay informed.  Anyone participating in an employer’s plan should take advantage of any investment information provided for the plan- investment seminars or just information sessions.  You can not have too much information about how your retirement assets are invested.

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM- REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON

Great East Bay Summer Camps By Greg & Lisa Doyle, J. Rockcliff Realtors

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM– REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON

Adventure Day Camp (swimming, archery, sailing, kayaking, climbing, science, horseback riding, skateboarding, music, tennis, art, sports, drama, biking, camping, hiking, canoeing and dance).  www.adventuredaycamp.com , Ages 2-14,  925-937-6500

Devil Mountain Summer Camp, June 13-August 5, 925-837-5375

Creative Learning Center Summer Camp, June 21-July 15 and, July 18-August 12, 2.5 years old- entering 1st grade, www.clcalamo.com, 925-837-4044

Roughing It Day Camp, Ages 4-16 years, Lafayette Lakefront Site, www.Roughingit.com, 925-283-3795

Steve & Kate’s Camp, www.SteveAndKate.com, 415-389-KIDS, From filmmaking to culinary arts.  From sewing to soccer.  From bungy trampolines to water slides, kids follow their bliss.

Galileo Summer Camp, www.galileo-learning.com, 800-854-3684

Gaels Sports Summer Camp, Ages 6 to 18 years, www.smcgaels.com, 925-631-4386

Kids’ Country, www.kidscountry.org, 925-743-9108

California Adventure Camps, www.caladventurecamps.org, 925-952-4450, Ages 5-12 years

The Growing Room, www.thegrowingroom.com, 925-837-4392, Ages 5-12 years

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM– REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON

Downside of Defaults & Foreclosures by Greg & Lisa Doyle, J. Rockcliff Realtors

* Your credit score may go down 200-300 points and may stay on your report for up to 7 years.

* You may find it difficult to buy a car, rent an apartment,etc.

* You may owe the bank the difference if they sell your home at foreclosure for less than that amount.

Here are some alternatives:

* Short Sale

* Talk to your lender to see if you can refinance

* Sell your home if you are not underwater

* Budget

* Get some financial counseling

* Refinance or do a loan modification if you can qualify

For any other questions, call us anytime.  We are so happy to help you!  925-855-4046

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM– REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON

Working With Garden Colors By Greg & Lisa Doyle, J. Rockcliff Realtors

Green- Use 2/3 green to 1/3 color.  It’s the given color in the garden.

Blue & Purple- This color should be used close to walks and entries where it can be seen, because it recedes.

Yellow- Perfect color for drawing people in.

Orange- Mix peach and apricot shades with pale blue for a stunning pot combination.

White- It can overpower other colors.  It looks best with blue.

Pink- It doesn’t get along well with other colors (like red).  Try using shades of pink with gray foliage plants for a sophisticated look.

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM– REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON

TO SELL OR NOT TO SELL BY GREG & LISA DOYLE, J. ROCKCLIFF REALTORS, WWW.THEDOYLETEAM.COM

Deciding whether or not to sell your home can be challenging.  You wonder if it’s the best time or if you’ll make money.  Many other thoughts cross your mind.  Consider these few factors to consider prior to making a move:

1)      Can you afford to make a move?

2)      Do you have money saved for down payments and closing costs, as well as an 8 month emergency fund incase you get laid off?

3)      If you have children, will you be in the same school district? 

4)      What about the climate?  Are you moving for your health?

Call us anytime you are considering selling your home or buying a new one.  925-855-4046

GREG & LISA DOYLE- GREG DOYLE- LISA DOYLE- WWW.THEDOYLETEAM.COM– REAL ESTATE IN SAN RAMON- HOMES FOR SALE IN SAN RAMON- SHORT SALE IN SAN RAMON