I received this e-newsletter today and certainly found it worthy of sharing with others. Financial goals are extremely important, especially with the market the way it is right now. It makes sense to re-evaluate your financial process in such a way that it leads to your success. Check out the five tips that David O’Brien from RE/MAX Mill Valley, and TransUnion.com, offer regarding monitoring your credit report: Tips for meeting your financial goals this year
(ARA) – As with any other goal, the key to achieving your financial goals is laying out a process that will ultimately lead you to success. If you’ve set yearly financial goals in the past, but have failed to achieve them, now is a great time to re-evaluate your process. And don’t let past failures discourage you, because you are not alone – only 12 percent of consumers reached their financial goals in 2011, according to a recent Zogby IBOPE survey commissioned by TransUnion, one of the three major credit reporting companies.“Now is the perfect time to appraise your current financial situation and make goals for where you want to be,” says Heather Battison, TransUnion’s senior director responsible for consumer education.
So what can you do to ensure financial success in the coming year? TransUnion offers five tips for planning and achieving your goals:
* Check your credit reports every three months. Monitoring your credit can help you recognize bad financial habits, like making late payments, which can affect credit score. Regularly checking your credit report is also a way to protect yourself against identity theft. If you ever run into a situation where you suspect identity theft, TransUnion provides a guide for what to do next.
* Check for accuracy. Make sure the information on your credit reports is up-to-date and reflects your current credit history. Give yourself at least 30 days to resolve any issues. Online dispute forms are available at TransUnion.com.
* Know your score. Your credit score helps determine your interest rates on credit purchases. A healthier credit score can help you receive the best interest rate, ultimately putting more money in your pocket as your work toward achieving your financial goals.
* Create a monthly spending plan and stick to it. Breaking down your spending habits into smaller and more manageable increments can help you achieve your financial goals. Through breaking it down by month, you can also set aside a fixed amount each month to deal with unexpected financial emergencies that may come up later in the year. If you don’t have to spend this reserve fund, you can treat it as a year-end bonus, or, even better – put it toward next year’s goals.
* Take additional measures to minimize your exposure to identity theft. In addition to frequently checking your credit, you can sign up for a credit monitoring service that will alert you whenever something changes in your report.Setting yourself up for a successful financial year means developing plans now that you can execute as the year goes on. Additional planning tools to help you understand your credit information, manage your debt load, protect your identity and help you achieve your financial goals can be found TransUnion.com.
David O’Brien is a RE/MAX Real Estate Agent in Mill Valley (and also the agent who helped me walk-through the purchase of my first home last year). There are more tips online for financial planning and/ or budgeting that I find very useful at FinanceManila.net and Mint.com–these tips can help both tenants and landlords alike!
Nikki Macias, Administrative Associate, is a Marin County native who grew up in Terra Linda and has been with PRANDI for over 10 years. She works directly with clients, focusing on protecting owner investments by managing property maintenance, and accommodating resident’s needs. She is actively working toward earning her Certified Support Specialist (CSSSM) designation through NARPM®.
Nikki is very family-oriented and has raised two amazing sons. She enjoys hiking Marin’s various outdoor trails, riding bikes and spending time in the sunshine. Nikki is our resident San Francisco Giant’s baseball expert and attends many games seasonally.
Christy is a Customer Relations Associate at PRANDI, where she works closely with all of the PRANDI Teams to answer initial customer inquiries in a timely manner. Christy helps schedule property showings, provides support to complete tenant applications, updates property insurance compliance and the PRANDI portfolio database. Christy is people oriented and has a strong customer service background, with nearly 15 years’ experience.
When she’s not working, Christy enjoys spending time with her husband and children. She enjoys taking mini family vacations to create lasting memories. Christy is also very creative and loves to design and make elaborate hair accessories for her daughter and school projects with her son.
Pam is an assistant property manager at PRANDI Property Management where she handles the day-to-day owner and tenant requests, including maintenance issues, tenant screening, leasing agreements and document preparation.
Prior to working at PRANDI, Pam held several administrative and managing positions at several Marin-based businesses. Most recently, she worked at the Marin Community Map Book in account management. Her extensive background in administration is invaluable in her role at PRANDI.
Pam holds a bachelor’s degree in social work from The Ohio State University and has lived in Marin since 1993. In her spare time, Pam volunteers for the San Rafael Public Library and enjoys traveling, hiking and going to the movies.
Shirley Lopez-Cano, Client Account Associate, joined the PRANDI team in 2013. She stated started as front desk receptionist, answering phones and directing all incoming calls. She now works closely with the Accounting Department and is learning the role of Assistant Bookkeeper. Shirley oversees all invoices, owner billing, as well as making sure all vendor and property insurance details are in order. With her background in Customer Service and her associated skillsets, Shirley supports the team with anything else they may need. In the process, she is also increasing her knowledge of the leasing and property management industry on a daily basis.
Shirley started working when she was 15, and by 17 had a full-time position while still putting herself through school in Marin. She married her high school sweetheart, and they now have 2 wonderful boys. In her time outside of the office, Shirley enjoys running Marin trails, dancing, tutoring, reading and singing to her kids. “The smell of the early morning air is a great wakeup call when you have active boys like mine!” she says. Her family’s love of soccer keeps her on her toes, since both her oldest son and her husband play on local teams.
Stephanie is a great addition to the PRANDI Property Management team as Maintenance Coordinator. She has a degree in Multimedia Arts and has worked in the customer service industry for 9 years before moving on to working for the property management industry.
Stephanie’s main role is to coordinate maintenance service requests, work order follow-up and other arrays of tasks to make sure tenant’s maintenance requests are dealt to their satisfaction. Outside working hours, Stephanie loves reading, art journaling and playing video games.
Rose is a Maintenance Coordinator at PRANDI Property Management, where she works hand-in-hand with Tony Pinochi, PRANDI’s Maintenance Manager, to handle service requests, work orders and vendor compliance. Rose is a people person, as evidenced by her background as a registered nurse and ten-year experience in customer service, business development and office administration.
Purpose-driven and dedicated to her important role at PRANDI, Rose is committed to delivering excellent quality of service to our clients. She strives to learn something new every day to continue to grow and improve in her position.
When she’s not busy at work, Rose enjoys reading mystery novels, taking care of her succulent garden and cooking for her two sons. She and her husband are also known to binge-watch TV series on the weekends.
Tony Pinochi joined PRANDI Property Management as Maintenance Manager in 2016. Tony has an extensive background in project management, client and vendor relations and has more than seven years experience in property management.
Tony is in charge of handling the day-to-day operations of the PRANDI maintenance department which oversees more than 600 properties and receives some 50 daily service requests. Tony maintains PRANDI’s extensive preferred vendor network and oversees all PRANDI maintenance issues – from minor to major.
Tony relies on a staff of three, full-time and one, part-time assistants and numerous PRANDI-vetted contractors and sub-contractors including plumbers, electricians, HVAC specialists and countless other building and renovation specialists.
Previously, Tony had a 20-year career as a law enforcement officer with the Sonoma County Police force, a background that serves him well to handle the daily challenges of home maintenance and repairs and vendor relationships.
In his previous career, Tony managed crime scene and accidental death scenes and large-scale hoarder homes and property cleaning. His considerable human relations and problem-solving skills are invaluable skills for property management. He enjoys his role as Maintenance Manager because it has exciting challenges every day.
Tony has a daughter and two sons, all of whom live in Northern California. When he’s not working, Tony enjoys spending time with his family and friends.
Reidun Waage, joined the PRANDI staff over 10 years ago and has lived in Marin County for more than 15 years. With her degree in Business and Accounting, Reidun is the right employee for the job. She is an expert when it comes to working the financial side for both owners and tenants, managing their ledgers and balancing their accounts.
Reidun also enjoys gardening, and is an enthusiastic antique-collector and jewelry-maker. A volunteer for three Marin County organizations (Ross Art and Garden Center, the Northgate Group and the San Anselmo Antique Dealers Association), Reidun is always interacting with our local communities and knows how to network a room!
Crystal Martinez has worked in real estate for the past two years and is in the process of obtaining her California real estate license. As an Assistant Property Manager, Crystal helps ensure that all of her clients receive unparalleled service. Her attention to detail and excellent communication skills make her an invaluable asset to the PRANDI Team. Crystal resides in Terra Linda and obtained her Business Administration degree from Dominican University of California in San Rafael.
In her free time, Crystal enjoys hanging out with her family. She’s her son’s biggest fan at his baseball games, and she and her husband play on a local softball league. Crystal is also very active in serving Marin — she sits on the executive board of the Marin Women’s Commission, board of Marin Court Appointed Special Advocates and the board of San Rafael Evening Rotary Club. She also spends her summers volunteering with the Jr. Giants in the Canal District of San Rafael.
I grew up in Marin County and attended Redwood High School and College of Marin receiving my real estate property management certification.
I enjoy spending time with my family, traveling, camping and being outdoors. I have a passion for animals and nature, and love taking my dogs on hikes and discovering new trails throughout Marin County or relaxing on the beach & playing in the waves.
I have over 10 years experience in the service industry and am always eager to find new avenues and solutions, which has coached me with a strong ability to solve problems. I also love to cook and enjoy finding challenging new recipes, especially foods from other countries, to share with my family and friends.
Tara Page joined PRANDI Property Management as Assistant to the President. She is currently working closely with Melissa on the oversight of a Portfolio of single family homes, condos and apartment buildings. Tara comes to us with a wealth of knowledge from the commercial and residential property management industry. She is a Marin local, and mother of two active girls.
Vice President of Operations
PRANDI Property Management, Inc., CRMC®
Christine Goodin has been with PRANDI Property Management, Inc., CRMC® for almost 20 years. She was born in San Francisco but has called Marin County home for the majority of her life. A California Licensed Real Estate Agent since 2004, Christine loves to be challenged in the residential leasing and property management industry. The ever-present challenges create an environment that keeps her growing and moving forward on a daily basis.
Christine has earned her RMP ® and MPM ® designations through the National Association of Residential Property Managers (NARPM®). She is one of only two MPM®’s (Master Property Mangers) in Marin County; Melissa Prandi also carries this designation. Christine was a key contributor to our company becoming a CRMC (Certified Residential Management Company) and in addition to her years of practical experience, her involvement in obtaining this designation for our company has given her the exposure and understanding of the complete picture of residential property management.
Christine’s role as Vice President of Operations includes mentoring and support of our property management teams practices and processes, company policies and procedures management, company software management, owner & resident relations, client/lease negotiations, internal employee training, and perhaps most important of all, she is in charge of making sure PRANDI has enough “Friday-Funday’s” each year!
Christine has dedicated many years to serving the NARPM Marin/Sonoma Chapter, as well as a few years on the CAL NARPM state board of directors. Her service to this association for so many years has not only been educational, but so gratifying as well. She is a Past President of the Rotary Club of Terra Linda. Christine is a graduate of Leadership Novato and was most recently recognized as Property Manager of the Year for 2020 at the annual Property Management Mastermind Conference.
Matt Prandi Borries, was literally born into the business. Vice President of PRANDI Property Management, and son of Melissa Prandi, he earned his California Real Estate License in 2007 and has since earned his Broker’s License. He works closely with the rest of the PRANDI staff, managing a diverse portfolio throughout all of Marin County.
Also an avid photographer, our marketing department utilizes Matt’s professional wide-angle camera equipment to highlight the highly sought-after features each of our properties offer. Many of Matt’s images have graced the walls of galleries around the county, and he is the talent behind all of our property marketing photos. Matt also enjoys meeting new people and loves to surf.
President & CEO
PRANDI Property Management, Inc. CRMC®
Melissa Prandi, has been expertly matching quality tenants with quality homes with her professional PRANDI Team for over 40 years and exclusively living in Marin County for over 59 years.
Melissa is proud to work closely with her son Matt Prandi Borries; together they are
Family Owned and Community Focused.
Melissa is a past president of the National Association of Residential Property Managers and is proud of her company’s elite CRMC® (Certified Residential Management Company) status. This title has been earned by fewer than fifty companies throughout the United States and only three in California. Actively involved and committed to the community, Melissa has served on several non-profit boards.
Melissa works tirelessly with her team of committed long term employees to ensure that their client’s residential investment properties run safely and smoothly while in their care. Because her company does not buy or sell real estate, property management is the sole focus. Melissa and her enthusiastic staff concentrate on minimizing expenses and maximizing profits for property owners while taking care of tenant needs.
Current dedication and commitments
President of Rotary Club of Mission San Rafael, 2019 – 2020
National Association of Residential Property Managers (NARPM) Master Instructor
Keynote speaker and instructor at local, state and national property management conferences
Women Leadership Philanthropic Council (WLPC) with Dominican University
Marin Women at Work
Women of Industry—San Rafael Chamber of Commerce (one female recipient annually)
Small Business of the Year Award—San Rafael Chamber of Commerce
President’s Award—NARPM (awarded twice in ten years)
“Unsung Hero Award”—Fair Housing of Marin for her dedication to equal housing opportunities for all
Small Business of the Year Award—Corte Madera Chamber of Commerce
Past dedication and commitments
Rotary District 5150 Membership Chair
Bank of Marin Board of Director and Member of Central Advisory Board
San Rafael Chamber of Commerce Board of Directors (served six years)
Corte Madera Chamber of Commerce Board of Directors (served twelve years; two years as President)
Yvonne Espinoza joined the PRANDI Team in November of 2019. She earned her Bachelor’s Degree in Finance, a minor in International Relations, and a Real Estate Certificate sponsored by BOMA at San Francisco State University.
Yvonne works as an assistant property manager with 3 years of experience in property management and over 7 years working in customer service, and working in Marin.
She joined PRANDI to support Team 3 Property Manager with tenant relations, property showings/ applications, and day to day operations.
As a San Francisco native, Yvonne and her newly fiance, enjoy exploring new places to eat in the city, but will head out of the city when possible! Yvonne loves hiking around the bay area with her dog and fiance, and loves spending time with family and friends.
Ann is a third-generation Marin County California resident. Ann graduated with a degree in Mathematics from University of California, Santa Barbara, Ann taught High School Math for over 10 years. She moved into administrative roles (office manager and business manager) in private schools to be able to work closer with parents, students, vendors, and administrative teams. As a Parish Coordinator in Ross Ann handled all aspects of running a vibrant local church. Her love of maintaining the 100-year-old building, with continued reconstruction and addressing deferred maintenance issues, has given her the knowledge, background, and local resources to be able to offer assistance to the PRANDI Property maintenance team.
Ann and her husband are thrilled to not only have been born and raised in Marin but have been able to raise their three children here. Ann has been an active board member in numerous schools, charities, and local organizations. She is currently an auxiliary Board member for St. Vincent de Paul Conference (San Rafael), Marin Charitable member and member of the Novato Chamber of Commerce.
Ann works tirelessly and with a sense of humor to assist the PRANDI maintenance manager, the business development manager and each of the PRANDI Property Management teams to help ensure residential investment properties run safely and smoothly.
In her spare time, Ann enjoys walking ½ marathons, reconstructing new properties and spending time with her family, friends, and dog.
Evangeline is a Client Account Assistant at PRANDI, where she works with the Accounting Department learning how to deal with invoices, billing, and auditing. Evangeline has worked in customer service and technical support, always willing to help and go above and beyond the call of duty. Her background in data management and report generation is a wonderful addition to the Accounting Department.
Evangeline is a very positive person, and will always share a smile. When not at work she loves playing old school Role Playing and Strategy games, but will always find time to enjoy a cup of coffee while relaxing with her cats.
Tara Sorber joined PRANDI in August 2020 as an Assistant Property Manager. Tara has 22 years of customer service experience in retail as well as management positions. Tara has worked in accounts payable and office administration for 18 years, with a dedicated focus on customer relations. She has spent the last 14 years successfully managing a family-owned San Rafael business. Tara brings to her position at PRANDI: attention to detail, a high level of organizational skills, and positive customer relation and communication skills.
Tara has been a Marin local since 1997, graduating from Terra Linda High School and College of Marin with 2 Associates Degrees. Tara loves spending time with her husband and three children, relaxing at home and exploring the outdoors and local beaches in Marin and Sonoma Counties. Some of Tara’s favorite activities are baking, cooking, hiking, spending time with family and friends, volunteering for her children’s schools and activities, and reading.
I joined PRANDI in June 2021 as a Maintenance Coordinator. I’m the newest addition to the team. I have a degree in Journalism and previously worked as a Quality Analyst. I was in the customer service industry for six years. My job is to make sure that the tenants are happy and satisfied by dealing with their maintenance requests efficiently and effectively.
I have a positive attitude towards my work in general and I’m always ready to take on challenges. Outside of work, I love to watch fantasy series and documentaries, play with my furry friends, and play video games.
Delightful to be a part of PRANDI onset August 2021. I have been in the “people-first” business providing upbeat customer service for almost 10 years, making sure our customers’ needs are met in a manner that reflects positively on the company-Consistently and Compassionately. During time off, my daughter and I are volunteers to our church congregation in different activities and fellowships.
I am currently the newest addition to Prandi who just joined in January of 2022 as a maintenance coordinator and prior to that I have been working in the customer service industry for more than 4 years.
I am currently working as a maintenance coordinator who manages maintenance requests from tenants and to make sure that their stay is as comfortable as they can be. When I’m not working I do enjoy watching movies, sitting by the beach to enjoy the breeze, and enjoying night skies rather than sunsets.
My main belief in life is that “Kindness is free” and to never let anyone take your kindness away from you.
I joined the PRANDI team in November 2021 as a Maintenance Coordinator. Before joining PRANDI, I have been working in the contact center industry for almost 10 years and am now an expert in customer service, upselling and data reporting. I primarily handle profiles in Telecommunications, Banking and Finance as an account manager and a sales expert.
I am consistent, trustworthy, reliable and can easily follow through with instructions. I am curious and have an eagerness to learn new things. I always make sure to deliver quality work promptly.
If not working, I spend my time taking care of my son and at the same time, I do buy and sell sneakers online. I am a huge fan of footwear, in fact, I own more than 50 pairs.
Ashley is a Customer Service Associate at PRANDI, where she works with all the teams within the company, in addition to the maintenance department. She is the newest hire on the PRANDI team, and has helped do move in inspections, internal property evaluations, and several other tasks to help everyone in the office out when needed. Ashley has several years of customer experience and is eager to learn all the aspects related to property management and the real estate industry. Ashley has a heart for service and ensures that owners, tenants, and vendors remain satisfied and happy.
Ashley recently graduated from Dominican University of California with honors (Cum Laude), earning a B.A in Communication/Media Studies while minoring in Business Administration. She was also a member of the women’s basketball team. She is also a member of the Women’s Leadership Philanthropic Council (WLPC), under Dominican’s umbrella. She hopes to begin taking classes to earn her Real Estate License within the next year.
Ashley is a Southern California native and is enjoying her free time learning everything she can about Marin County and Northern California. While not at work, she enjoys going to the gym, spending time with family, and watching the beautiful Bay Area sunsets.