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

  • Learn How To Organize And Get Things Done...
  • New Protections Make Gift Cards Better...
  • Bunker's New Christmas Endeavor!
  • Fun Facts and Laughs:  Most Expensive Zip Codes,
         Free "Smartness" Quiz, And More...
  • Real Estate Q&A: How do I know if my home is underinsured?
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Nancy Baxter

Phone: 970-231-7700

Dear Friend...

Are you overwhelmed by everything you have to do, especially around the holidays?

Today's Service For Life! ® Free consumer newsletter features a time management system from "Getting Things Done" – a best-selling book by productivity expert David Allen that will help you get organized and be more efficient.

Plus, you'll learn why gift cards are now better to give and to receive, along with a trivia challenge, jokes, and lots more.

Bunker's had quite a year running things around Deer Meadow Ridge and the Overlook at Mariana.  He's excited about a chance to do a little "moonlighting" for extra cash, working for Santa!

Enjoy your issue, and please feel free to call me whenever a friend, family member or neighbor needs a caring, competent real estate professional to help with buying or selling.

To health, success and laughter in your life!


Nancy Baxter, REALTOR®
Today's Brain Teaser . . .
Which of these metals is the best conductor of heat and electricity:   titanium, gold, silver or platinum?   (answer below)
Learn How To Organize And Get Things Done . . .
Do you feel like you're always working to keep up, but don't really get anything done, especially around holidays? In his best-selling book Getting Things Done, David Allen gives you an effective time management system to help you organize your stuff, your work activities and your personal life.

Allen's key idea is to start with a "mind sweep" – get everything out of your head and down on paper (or other written form). Once your mind is cleared, your productivity goes up and you can focus on creative action. His five basic stages of mastering your personal or professional "workflow" are:
  1. Collect. Capture anything and everything that is on your mind.
  2. Process. Decide what each thing means. Is it something you should do? Do it now or later? Can you delegate it (and track on a "Waiting For" list)?
  3. Organize. Place the items in categories, such as Projects, Calendar, Next Actions and Waiting For, and sub-categories of your choice. (To help you visualize this, he includes a diagram for navigating through the processing and organizing phases of your workflow.)
  4. Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current.
  5. Do. Make choices about your actions based on what you can do, how much time and energy you have and your priorities.
Another one of his most popular methods is the "two minute rule." If any task can be completed in less than two minutes (for example, a quick email response), do it immediately. Stop putting those little things off.

Allen says Getting Things Done is "just advanced common sense." But once you learn how to get everything under control, real change begins.

Millions of people around the world have found that his methods work. To preview the contents of "Getting Things Done" or order the book, go to:

Bunks, getting into the Christmas spirit at the site!DSC02147.JPG  



"Warming Up" and "on the lookout" for his new "Boss"!

DSC02155.JPG DSC02157.JPG

Disappointed when Santa is a "no Show"

DSC02152.JPGEven DOGS struggle with waiting for Santa!  (Don't worry, Christmas eve will come and Bunks will be off on his new "gig"!) 

Enjoy your holidays and watch for the January newsletter to include the Mariana Butte real estate forecast and new construction update for 2011!


New Protections Make Gift Cards Better...
You may have hesitated to give gift cards last year because of the confusion over fees and expiration dates. Now they're better to give – and receive – because new protections went into effect in the U.S. in August. Here's what you should know:

The gift card must be good for at least five years from the date of purchase. Money added must be good for five more years. If the card expires and there's unspent money, you can request a replacement card at no cost.

Fees are limited and must be disclosed on the card or its packaging. Note: You can be charged a fee if you haven't used it for at least a year.

Rules affect store gift cards and cards with a MasterCard, Visa, American Express or Discover logo. Some other types of prepaid cards aren't included.

New rules don't apply to cards purchased before August 2010. So if you have some sitting in a drawer, be sure to read the documentation that came with them. Look for fees for "dormancy," "inactivity" or "maintenance."

To make the most of a gift card, use it right away. If you aren't going to use it, give it to a friend or swap it on a web site like
Here's A Free, Valuable Resource...
If you'd like to receive a Free List of gorgeous homes, personally researched to meet your individual requirements (with no obligation whatsoever), please call me at 970-231-7700
Fun Facts and Laughs . . .

What Are The Most Expensive Zip Codes To Live? . . .

Forget 90210, Forbes says America's most expensive zip code is 91008, Duarte, CA, a suburb northeast of downtown Los Angeles. The median cost of a house there is $4,276,462, making it the most expensive housing market in the country. Number 2 is 94027, Atherton, CA, followed by 90274, Rolling Hills, CA, and 07620, Alpine, NJ.

Think You're Smart? Try This Free Quiz . . .

You might want to join Mensa, the international high IQ society with members from over 100 countries. Membership is open to people who score within the upper 2 percent of the general population on an approved intelligence test. Take a practice quiz at

Have A Laugh . . .

Long ago, when people cursed and beat the ground with sticks, it was called witchcraft.

Today it's called golf!
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!
Brain Teaser Answer:
Silver is the best metal conductor of heat and electricity!   But because it's expensive, it's used primarily in the manufacture of mirrors, jewelry and coins.

Real Estate Q & A . . .

Q.  How do I know if my home is underinsured?

A.  The Insurance Information Institute recommends the following:
  • It's a good idea to insure your home for the cost of rebuilding it. Check your homeowners' policy to see the maximum amount your insurance company would pay if it had to be rebuilt.

  • Find out what it would cost to rebuild your home. Your insurance agent can calculate rebuilding costs for you or you can hire an appraiser (call or email me for references). Make sure your insurance agent knows about all improvements you've made, such as a deck or larger kitchen.

  • Make sure the value of your policy is keeping up with increases in local building costs. Many policies include an inflation guard... if yours doesn't, consider purchasing one.

  • Find out if you have a "replacement cost" policy for your house. If you own an older home, you may have a "modified replacement cost" policy.

  • For the contents of your home – find out whether you have "replacement cost" or "actual cash value" insurance.

  • Check the limits on certain personal possessions, such as jewelry. Consider buying an "endorsement" to insure valuables separately.

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... I'm planning to post an archive of 2010 Newsletters to my website (New Year's Resolution!)
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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.
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Nancy Baxter
5290 Deer Meadow Court
Loveland, Colorado 80537