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Nancy Baxter's...
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue...

  • Use The New Hands-Only CPR To Save A Life...
  • How To Save Thousands On A College Education...
  • Buckingham Shores Project APPROVED!!
  • Deer Meadow Busy w/Construction.....Only 2 homes left!!
  • Morgan Residence ready for CO!
  • Overlook at Mariana opens Phase 2!
  • 12 Secrets to Restful Sleep
  • 5 Ways to Strengthen Your Immunity to Colds & Flu
  • Real Estate Q&A: How Do I Get The Best Home For The Lowest Price?
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Photo 2 Nancy Baxter

Phone: 970-231-7700

Dear Friend...

If someone collapsed in front of you, would you know what to do to save their life? The American Heart Association has come up with a new CPR that doesn’t require certification or mouth-to-mouth contact but can double the chances of survival. You can learn how to perform it in today's Service For Life!® Free consumer newsletter.

You’ll also learn five financial aid secrets to help you save thousands on college (especially important if you know someone with a high school senior this year), where to find a helpful downloadable booklet about how to keep your kids safe online and while using their phone…plus funny jokes, , and lots more.


Nancy Baxter, REALTOR®
Today's Brain Teaser . . .
What is the longest word in the English
language that does not use any vowels?

  (see answer below)
New Hands-Only CPR Is Easy,
Saves More Lives
An adult suddenly collapses in front of you. Will you feel helpless or know what to do to save his or her life? You’ll be glad to know that the American Heart Association has simplified things so anyone can save a life. This new CPR method doesn’t require certification or mouth-to-mouth contact but can double the chance of survival.*

Don’t worry about hurting the person. If they’ve stopped breathing, you can only help them. Good Samaritan laws protect you from legal risk. It’s better to break a rib than stand by in fear of not doing the right thing. Here’s how to use continuous chest compression CPR to save lives:
  1. Call 911. Tell them your location and that someone is not breathing. Lay the person on their back on a hard surface.

  2. Place the bottom your palm in the center of the person’s chest with your other palm on top of it.

  3. Lock your elbows and put your shoulders directly above your hands in the center of the person’s chest. Use your entire upper body to force the chest cavity downward.

  4. Push HARD in rapid repetitions. When you compress the chest with quick forceful motion, the recoil of the person’s body allows the heart to continue pumping blood. With blood circulating, the brain gets what it needs and your action can keep the person alive.

  5. Maintain the pumping action at a rate of 100 times per minute until paramedics arrive. It’s best to have a second person to take turns with you to keep up the pace. The beat from the song Staying Alive by the Bee Gees is about the speed you need.

  6. Do not stop to check for breath or a pulse. Keep compressing the chest until help arrives.
To watch a short video that demonstrates this easy method, go to the American Heart Association’s website at: *Conventional CPR (with your mouth) may be better than Hands-Only CPR for infants and children, or teens and adults whom you did not see collapse.
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Buckingham Shores Approved! 
3 lots reserved, only 5 left!  Watch video
Come by or call for details!

FDP RENDERING_11-8-12-COMPRESSED - Buck Shores (2)

View from new site....
Buckingham view 1

Final 2 Buildings Under way at Deer Meadow!

Dennis & Joyce Kinde Celebrate Groundbreaking for their home on Lot 2!!!

drilling 2
Drilling the caissons....

caissons 2 2

kinde dec1 2

  WOW!  That was FAST!!

lot 1 view 2

View from Lot 1.....3 BR, 2 bath, Gourmet kitchen, fireplace in lower level:  $465,000!!!  Make your own selections and move in April!

Bunks inspects new driveway at 5223 .....can you say "paw prints in new concrete"?  Many upgrades and "killer" mountain views:
$498,000......paw prints are included!
bunks on new driveway
Lot 1 getting stucco!!!
lot 14

Save Thousands On College With
These 5 Financial Aid Secrets
Do you have a senior in high school this year? If you do (or know someone who does), it’s time to start applying to colleges and seeking the financial aid and scholarships you’ll need to help pay for their education. Here are five secrets to pay less for higher education:

When parents’ income matters.  The year prior to the student’s high school graduation is the basis for financial aid calculations. When possible, shift income to this year before Spring graduation in the coming year. This may help you qualify for more financial aid.

Apply early or lose funding.  After January 1, complete and submit the Free Application For Student Aid (FAFSA) at, and apply for aid packages your school(s) of choice may require.

Cheaper college tuition may cost you more.  Private schools are often endowed with funds to offer up to 100% the cost of college. State schools may have lower tuition costs, but significantly less scholarship money. Apply to both types of schools and compare overall costs after scholarships are factored into the equation.

Do not “negotiate.”  Each school has different rules on how scholarship money is awarded. It doesn’t help to mention another school’s offer to the aid director. It won’t get you a better scholarship package. However, it is okay to ask a college to review a previous decision by saying: “What else can you find to make it possible for my child to go to school here?”

Outside awards may help, but only slightly.  Awards from community organizations may range from $100 to $1,000 and are a great source of pride. Keep in mind that these cash awards are considered a resource by the IRS and may lower your ability for federal funding. Your best option is to apply for as many scholarships offered directly from the college before spending too much time on outside funding.
 Morgan Family moves to the Overlook at Mariana this week!!
DSC01347 2

Thank You! Thank You! Thank You!
Thank You! Thank You!
Thanks to all of my clients and friends who support my practice and graciously referred me to your friends and neighbors! Rather than pester people with unwanted calls and visits, I build my business based on the positive comments and referrals from people just like you. I couldn't do it without you!
wine cellar

Showing Houses Can Be FUN!!
Fun Facts and Laughs
Funny Things Heard From Elementary School Children . . .

  • You can’t hide a piece of broccoli in a glass of milk.
  • Don’t ever trust your dog to watch your food.
  • If someone is cutting your hair, don’t sneeze.

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How To Keep Kids Safe On The Net . . .

The Federal Trade Commission has published a downloadable book to teach parents how to keep kids safe while using today’s technology. Go to and search for Net Cetera: Chatting With Kids About Being Online. Here are a few things you will find inside:
  • Page 9 – Advice for parents of kids at different ages.
  • Page 18 – Safe screen names to use.
  • Page 20 – Cyberbullying and what to do about it.
  • Page 28 – Mobile phones: texting, sexting, and GPS dangers.
  • Page 35 – Free stuff can crash computers.
  • Page 42 – Privacy protection for pre-teens.

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Overlook at Mariana Phase 2 lots are permit ready!!!  Talk to John about building your custom home on one of these view lots!!!  Come to our sales office and let's walk the site! 

12 Secrets To More Restful Sleep
If you lie awake at night thinking about all the things you have to do, you’re not alone. Polls show that a growing percentage of people are getting less than six hours of sleep and the number of people who get eight or more hours is dwindling. Here are the secrets to help you get a good night’s rest:

Prepare your bedroom:
  • Create a sleep sanctuary by eliminating noises, TV, and computers.
  • Limit your bed to only two things – sleep and sex.
  • Indulge in some type of bedtime ritual. It can be a warm bath, light snack, or time on your favorite quiet hobby like reading.
  • Invest in a good bed. You are in it about 1/3 of your life and the cost of a good mattress is much cheaper than poor health.
Prepare your body:
  • Avoid foods containing tyramine in the evening. Some of those are bananas, chocolate, liver, avocado, cheese, beer, and wine.
  • Eat alkaline foods like apricots, figs, almonds, turnips, or spinach. They enhance sleep’s anabolic process.
  • Avoid caffeine, nicotine, and limit alcohol before bedtime.
  • Exercise, but not within two hours of bedtime. Some people like to exercise in the early evening. But a morning routine will give you the energy to work all day. You’ll then be ready to slow down to rest at night.
  • Use aromatherapy with herbs such as lavender or valerian.
Prepare your mind:
  • Try meditation. Focus your brain on a single thought (or nothing at all) as you listen to your body with eyes closed.
  • Unwind with deep breathing. Breathe in with your abdomen expanding. Hold for 3 seconds and release air slowly to expel as much air as possible. Practice for 10 minutes before retiring to sleep.
  • Change your expectations and empower your ability to sleep. If you’ve been struggling with sleep for some time, you may have attitudes that defeat you. Don’t let your mind worry about how long it will take to get to sleep or how tired you might feel tomorrow. Expect to sleep well.
Don't forget that I list other homes and building sites!!!

mariana springs  Two lots at nearby Mariana Springs, priced very reasonably at $39K and $69K

4581 Foothills Dr Loveland 158_stitch

Patio Home built by Charter Homes, watch the deer from your deck......back on the market at $368K!

pink view 
Great light from our deck at Deer Meadow Ridge!

Brain Teaser Answer:
Thanks For Thinking of Me!

Did you know I can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping me in mind with your referrals...and spreading the word about my services.
Real Estate Q & A . . .
Q.  How do I get the best home for the lowest price?

A.  Price is only one of several factors to consider when you purchase a home.

Preferences: Make two lists with one outlining your needs and the other a list of your wants. Compare lists with other members of your family so you are agree on what’s important before you start looking.

Budget: Get pre-approved by a qualified loan officer before your search to find out what monthly mortgage payment is possible given your debt and income.

Location: The “best” price is usually not the cheapest price. Desirable locations demand higher prices. But communities with higher prices also often retain their value the best.

Negotiation: Inexperienced buyers sometimes want to “lowball” their initial offer. Too often they end up disappointed for a variety of reasons such as competition with other buyers, a negative reaction from the seller, and the need to start all over again if negotiations fail.

Do you have a real estate question you want answered? Feel free to call me at 970-231-7700 or email me by clicking here. Perhaps I’ll feature your question in my next issue!
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thanksgiving sunrise

Thankful to be in this wonderful place, and the opportunity to work with folks like YOU........(taken at sunrise Thanksgiving morning at Buckingham Lake)
THANK YOU... for reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them...
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Disclaimer:  The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical and other professional services advice.  Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.
Copyright (c) 2012 by Forte Communications, Inc.

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Nancy Baxter
5290 Deer Meadow Court
Loveland, Colorado 80537