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Dear Friend, November
We hardly need another reason to have a furry or feathered (or scaly!) member of the family, but did you know they could actually make us healthier? In today’s Service For Life! ® Free consumer newsletter, you’ll learn how your best friend might be more than a companion.
You’ll also learn how to de-code your health insurance coverage, how to deal with malware on your computer, and some tips for de-cluttering the bathroom— plus fun facts, helpful info, and lots more. But first .... one of our readers asked us about renting vs. owning, which was best? Glad you asked!
So if you, or anyone you know, would like to build wealth through real estate, call us with their name and phone number, so we can help them get started! They'll be glad you did! We truly appreciate your friendship and referrals.
Enjoy your issue!
Austin & Lynn
P.S. When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information we provide? They may be people with a growing family and they need more room, or even a first time buyer. You can help them buy their dream home for a lower payment than they might think possible by ordering our Free Special Report “7 Secrets For Saving Thousands When Financing Your Home” -- call our recorded hotline "24/7" (844) 311-4598 and select ID# 7014.
How many of each species did Moses take on the ark with him?
(See page 4 for the answer.)
How Pets Make Us Healthier
Almost 70% of U.S. homes have a pet member of the family, and with that large percentage it’s good to know there are reasons other than unconditional love to have furry (or scaled or feathered!) friends. Pets can actually improve our health, too!
- People with dogs have reduced risk for heart disease, and may even live longer. The American Heart Association says it could be due to the increased activity since dog owners are out walking and exercising. Petting and cuddling with dogs can also lower stress levels and increase the calming endorphin oxytocin.
- Having a pet can lower blood pressure and cholesterol levels. Some studies also suggest that cat owners are less likely to have a heart attack or a stroke, which could be due to their calming presence.
- Children with ADHD and autism both seem to benefit greatly from working with and around animals. Animals help them pay attention, learn discipline and caring for others, and build self-esteem. Pets like to play, too, and help kids burn energy.
- Children raised around animals seem to have fewer allergies. While it’s not the case for all people, especially those with specific animal allergies, early exposure to pets may help kids build immunity and reduce likelihood of allergies and asthma.
- Companionship and connection makes people healthier. Dogs especially are very focused on their humans, and that attention and connection can help comfort people in pain or distress. This is why therapy dogs are on the rise in hospital settings. Taking your dog out with you to dog parks and dog-friendly events can help you create human connections, too. Connection can reduce loneliness and the effects of depression.
Are you looking to add a pet to the family? Check out petfinder.com or visit your local animal shelter and maybe even save a life. Who knows, your new friend could even improve your health!
Thinking of Selling Your Home?
Don’t sell your home without first reading our Free Special Report, “How to Get the Price You Want And Need!" To order this FREE Special Report and hear a brief recorded message call "24/7" toll-free 1-844-311-4598 and enter 7016.
Find Out What's Covered Under Your
Many people don’t really have a clear understanding of what is, and isn’t, covered under health insurance plans. And unfortunately, it’s easy to run into a health issue and be surprised at the wrong time.
Learn more about your policy BEFORE you need it!
1. Make a list of a few procedures that you may need, now or in the future, and call your insurance provider (Medicare, too). Ask if each is covered, and what will be your out-of-pocket cost.
2. Read through your “summary of benefits and coverage,” a document your provider must have available and written in ‘plain English.’ You can find it online in your account, or can ask that it be mailed or emailed to you.
3. Considering an expensive procedure? Your insurance provider should provide a “coverage agreement” that may be hundreds of pages long. You can read it online, and search through it for the name of the procedure (use your browser’s FIND function to find it quickly on the page).
Don't Pay Another $$ in Rent ...
...until You Read this FREE Special Report entitled "How to Stop Paying Rent and Own Your Own Home." To order your FREE Special Report, or to hear a brief recorded message “24/7” call toll-free 1-844-4598 and enter 1001. Stop wasting $$ on rent!
Has your computer suddenly gotten super slow? Do you have a new toolbar on your browser that you don’t remember adding? Or, maybe your search and home pages have changed. Odd pop-ups appearing? You could be experiencing malware symptoms!
Malware is hidden in your computer, unlike a virus, because the designers want their program running unnoticed in the background.
What should you do?
- If you notice these symptoms, assume it’s malware and that it’s already gotten past your antivirus (you DO have an antivirus program, right?). Run something else, like ESET’s Free Online Scanner for Windows computers (eset.com/us/home/online-scanner), which doesn’t require installation, or try Malwarebytes’ free version (malwarebytes.com) for either PC or Mac.
- Run the scanner (follow instructions provided by the program) in Windows Safe Mode if you’re on a PC. Search support.microsoft.com for “start in safe mode” for instructions for your version of Windows.
- Finish up with a full computer scan with your antivirus program and deal with any threats found. Remember to keep programs up-to-date, and scan and clean your computer regularly.
Websites to Manage Passwords
Have you counted how many passwords you’re managing for all your online accounts? The number may astound you! You can save them all in one secure password manager, so you only need to remember ONE password.
www.lastpass.com – There’s a free version and an inexpensive upgrade that comes with larger storage and tech support.
www.keepersecurity.com – This inexpensive option also has face ID and fingerprint login, with unlimited storage.
www.dashlane.com – Highly-rated Dashlane is free (you can upgrade to a Business version), and you can download the app to take it everywhere on all your devices.
Want a tidier house? We’re going room-by-room, clearing out the clutter. This month: it’s all about the bathroom.
This room is one of our most used, and often one of the most cluttered. That’s especially true when multiple people need to use it. How can you make sure your bathroom is functional AND beautiful? Let’s get started!
- First, set up an area to help you organize items. Have a “trash” and “remove from bathroom” bin set up, and a large clear space where you can set everything out and take stock.
- Tackle any countertops and visible areas first. Put away anything that doesn’t need to be out. Keep things close to where they’re used – put hand soap, and toothbrushes and toothpaste near the sink. It’s much easier to keep cleared spaces clean and sanitary.
- Throw away old items, and products that have expired.
- Once all items are out, wipe all the cabinets and surfaces down, dust, and clean areas you normally can’t get to.
- Plan to put everything away by how often you use it. Back-ups and spares? Put those in the back of the cabinets.
- Put things away according to how they’re used. Morning skin care products should go together, in the order they’re used.
- Don’t let your drawers become catch-alls. Add organizers and small boxes to keep things tidy.
- Small bathroom? Buy vertical organizers that go over the toilet or shelves that sit higher in the room.
Does it look better now? Stick with it and make it a habit to keep it that way. Set aside a few minutes every time you get ready in the morning to put each item you use back in its spot.
Next issue: our final article in this series: de-clutter the garage.
Empty Nesters: 9 Costly Mistakes to Avoid
When Downsizing Your Home
Are you an "Empty Nester" who needs a home more suitable for your needs? Have your children moved on? Is it time for you to “right size” your home? If so, you will want to avoid the 9 most common and costly mistakes most Empty Nesters make, when moving to more suitable housing.
To hear a brief recorded message, or order your copy of this FREE Special Report, called "Empty Nesters: How to Sell the Place You Call Home" and avoid 9 mistakes that could cost you literally thousands of dollars, call toll-free 1-844-311-4598 and enter 7013. You can call any time, 24 hours a day, 7 days a week! You'll be glad you did!
11 Critical Home Inspection Traps to be Aware of Weeks Before Listing Your Home for Sale
According to industry experts, there are over 33 physical problems that will come under scrutiny during a home inspection when your home is for sale.
These same industry experts have prepared a new Special Report which identifies the 11 most common of these problems, and what you should know about them before you list your home for sale. If not identified and dealt with before your home goes on the market, any of these 11 items could turn away buyers, could become costly repairs, or worse, could cost you the sale of your home. You don't need that!
That's why it's critical that you read this FREE Special Report well before you list your home for sale. In most cases, you can make a reasonable pre-inspection yourself if you know what you're looking for, so you can prevent little problems from growing into costly and unmanageable ones.
Where can you get this report? Glad you asked! To hear a brief pre-recorded message, or to order your FREE copy of the Special Report entitled, "11 Things You Need to Know to Pass Your Home Inspection" call toll-free “24/7” to 1-844-311-4598, and enter 7003. Your wallet will thank you!
Brain Teaser Answer:
It was Noah's Ark!
Real Estate Corner…
Q: One of our subscribers asked, "What key steps should I take to make my home show like a model home?"
A: Look at your home through a potential buyer’s eyes. Here are three essential steps:
- Clean and repair. Your buyer’s first impression is from the street. Clean up the yard, the landscaping and check your exterior paint job. On the inside, shampoo the carpets, scrub the floors and clear off all the counters. Remove old wallpaper and paint the walls a neutral color. Fix things that need fixing, like squeaky doors, broken tiles etc.
- De-Clutter. Get rid of all that “stuff” you’ve accumulated in the garage, the backyard and the basement. And don’t forget the closets!
- “Stage” it to look like a model home. Put away your personal items and remove large pieces of furniture. Ask your REALTOR® for ways to “dress up” your home (candles, new linens etc.) to maximize your selling potential.
For more tips, call us at (480) 734-8781 for our Free Consumer Report called “Make Your Home Show Like A Model Without Breaking the Bank.” We’ll send a copy right over to you.
Do you have a real estate question you want answered? Call us at (480) 734-8781. Perhaps we’ll feature your question in our next issue!