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Jay Schmidt's...
Service For Life! ®
Inside This Issue...
Jay Schmidt Jay Schmidt
RE/MAX Excel
Phone: 715-571-1248
Dear Shelly...

To get the most mileage out of your money, there are certain things you should be doing at different times of your life. In today's Service For Life! ® Free consumer newsletter, you'll learn tips on where to put your financial focus, regardless of your age.

You'll also learn how to clean single-serve coffee makers to prevent mold and bacteria, top tips for keeping your garage organized – plus fun facts, a trivia challenge, and lots more.
Jay Schmidt, REALTOR®
RE/MAX Excel

P.S.  When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?

They may be people looking to buy a home and you can mention my Free Consumer Report: "8 Secrets For Saving Thousands When Finding, Buying and Financing Your Next Home." They'll be so grateful for this help. To request a copy for a friend, simply email me by clicking here.
Today's Brain Teaser . . .

How far can a rabbit run into the forest?

(see answer below)
Top Money Tips At Any Age
We can't get through life without navigating money, but where your financial focus depends, in part, on where you are in your life. Here are some helpful financial management tips by decade:

20-30 years old:
  • Maintain a meticulous budget. Apps like can help you track expenses.
  • Set up an emergency savings account with 3-6 months' worth of living expenses.
  • Transfer credit card balances to a 0% card and focus on paying it off.
  • Begin paying down student loans and other debt.

30-40 years old:
  • Contribute to a retirement account. Maximize employer matching plans.
  • Actively build assets by investing in stocks, bonds, and real estate.
  • Keep a low credit card balance with an eye toward increasing your credit score.
  • Open college savings accounts for children.

40-50 years old:
  • Review and realign savings goals for your current lifestyle. Use a life expectancy calculator to help reach retirement goals.
  • Create a plan to pay off your mortgage by the time you retire.
  • Protect assets and earning power with supplemental life and disability insurance.

50-60 years old:
  • Track monthly spending. Make adjustments as needed to prepare for retirement.
  • Consider circumstances like geriatric parents who may need financial assistance.
  • Put extra effort toward eliminating debt. Pay off credit cards in full every month.

60+ years old:
  • Ensure all investments are in low-risk plans to protect assets.
  • Manage money meticulously and maintain access to credit so you're ready for unexpected expenses.
  • Downsize as appropriate and focus on investing in things you're truly passionate about, but avoid taking on new debt.

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Warning Before You Sell Your Home...

Don't put your home on the market without my Free Consumer Guide titled, "How To Avoid 7 Costly Mistakes When Selling Your Home." My exclusive report will give you all the facts for a fast, top dollar sale. Just call 715-571-1248 anytime, 24 hours, and I'll rush a copy out to you for free. Or,
Keep Your Garage Organized

As a part of the home that is often out of sight and mind, garages can quickly become disorganized. Here's how to maintain a sense of order in yours! Watch for the last topic of this series next month: the laundry room.
  • Maximize space. Hang items like shovels, hoses, and cords on the wall. During seasonal changes, hang bikes, skis, and surfboards from the ceiling. Hang a hammock to contain basketballs and other items that can roll away.
  • Choose appropriate shelving. Keep things off the floor by using shelving. Metal shelving withstands heat and humidity better than wood.
  • Use airtight containers. Holiday decorations and other infrequently used items should be stored in containers that can withstand humidity and extreme temperature fluctuations. Clearly label all containers.
  • Keep like items together. Separate everything in the garage into categories like sporting equipment and power tools, and store these items together.
  • Designate storage areas. Once everything is sorted by category, store these things in the garage where they make the most sense. Put cleaning materials near the door leading into the house. Garden equipment should go near the garage door.

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Would You Like To Know How Much Your Neighbor's Home Listed Or Sold For?

Maybe you're just curious. Or maybe you want to know how much your home is worth. Either way, I can help...with no "sales pitches" or run-arounds. Call me at 715-571-1248 and I'll give you all the facts.
Fun Facts and Laughs

Bacteria and Mold in Coffee Makers?. . .
Recent statistics show 26% of American coffee drinkers use single-serving coffee-brewing machines like those made by Keurig. If you own one of these machines, here's what you can do to keep your machine clean and in good working order. If you don't clean it regularly, it can harbor bacteria and mold.
  • Routinely wipe down the outside of the machine, especially the handle.
  • Fill the water reservoir with pure, white vinegar.
  • Run the machine without a pod. Repeat the process until all the vinegar runs through the machine.
  • Let the machine sit for at least four hours.
  • After this waiting period, fill the reservoir with water and run it until it empties completely.
  • Repeat this process every three to six months.
Bonus tip! Use a reusable filter in order to create less waste and increase your selection of coffee flavors and strength (make sure to clean it).
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Mutual Fund Websites. . .
Learn what companies are included in your mutual fund holdings. – Search the fund's ticker symbol. The "Top Holdings" section shows the top 10 most valuable holdings. – Hook your account into the site for a full review of what it contains, including cheaper, alternative funds. – In addition to breaking down a mutual fund, this site explains if your portfolio is well-balanced.
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Easily Amused. . .
While I was watching a dog chase its tail, I thought "dogs are easily amused." Then I realized I was watching a dog chase its tail.
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House Guest Preparation. . .
Welcome guests into your home with a checklist consisting of this information:

•Wi-fi network and password.
•Where extra toilet paper and plunger can be found.
•Which toiletries they can use.
•Procedure for locking up the home in case they come back late.
•Quirky features they should know like handles requiring jiggling, strange noises, or auto-locking doors.
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Please Welcome New Clients And Good Friends Into Our Real Estate Family...

I'd like to take a moment to personally introduce and welcome a few of my newest clients and good friends who have supported my business over the years. And special thanks to everyone who thought of me with your referrals!
Jeff & Renee Heiliger, William & Erin Korbisch, Travis Tooker, Scott Peterson, Shawn & Shelley Kage & Sherry & Roger Nordquist.
Trivia Challenge for the Month...
"Who Else Wants To Win Sams Pizza?"

Guess who won the last Trivia Question? I'm pleased to announce the lucky winners of the last quiz. And the winners are, drumroll please: Sue Bolf, Mari Calmes & Katie Mattice were the first people to correctly answer my quiz question.

One of the largest diamonds ever found in North America was found in what U.S. state, which also names diamonds as its official state gem?
a) Georgia
b) Iowa
c) Alabama
d) Arkansas

The answer is d) Arkasas. Let's move on to this month's trivia question.

Why is the Dominican Republic's flag unusual?
a) It has a bible on it.
b) It is the world's oldest flag.
c) It has plant life on it.
d) It was designed by a woman.
You Could Be One Of My Next Winners! Call Me At 715-571-1248 OR
Brain Teaser Answer:

Halfway. After that, the rabbit is running out of the forest.
Real Estate Q & A . . .

Q. I'm selling my home. How can I be sure I have a properly written contract?
A. The best way to protect yourself is to work with a skilled REALTOR® who will help you with the contract and walk you through the closing process. He or she will also ensure that you comply with specific disclosure rules that may apply in your state. To work together effectively, make sure to:
  • Become familiar with contract language, such as terms, contingencies and inspections.
  • Know what repairs and closing costs you are responsible for. A contract is a legally binding agreement and you will be held to it.
  • Review your title to make sure your property is not in conflict with local restrictions or laws.
To learn more about how to sell your home, call and ask for my FREE consumer report called "How to Avoid 7 Costly Mistakes When Selling Your Home." I'll send a copy right to you.

Do you have a question related to real estate or home ownership? Please call me at 715-571-1248. Perhaps I'll feature your question in my next issue!
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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 or 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) 2018 by Agent Inner Circle

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Jay Schmidt
3544 Stewart Avenue
Wausau, Wisconsin 54401