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Lyn Trayte's...
Service For Life! ®
 
Inside This Issue...
 
  • How To Stick To A Budget...
  • Stay Safe: Things To Keep In Your Car...
  • Fun Facts and Laughs: 5 Annoying Habits And How To Fix Them, What To Do If You're Getting A Cold, Websites To Protect Your Online Presence, And More...
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: Can I Use A Gift As A Down Payment When Buying A Home?
 
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Lyn Trayte Lyn Trayte
Dominic and Co Int'l Real Estate
Phone: 602-739-0095
Email: lyn.trayte@gmail.com
 

Dear Lyn...

Sticking to a budget takes time, motivation and discipline. In today’s Service For Life!® Free consumer newsletter, you’ll learn five basic tips to help you be a better money manager.

You’ll also learn how to deal with five annoying habits you, your spouse, or your friends or co-workers might have, a list of supplies you should carry in your car to be safe, and the first two things you should do if you feel a cold coming on – plus fun facts, a trivia challenge, and lots more.

Lyn Trayte

Lyn Trayte, REALTOR®
Dominic and Co Int'l Real Estate

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, and you can give them my phone number - 602-739-0095, or request a copy by clicking here.
 
Today's Brain Teaser . . .
I am so small, and sometimes missed.
I get misplaced, misused, and help you when you list.
People usually pause when they see me,
so tell me, what could I be?

  (see answer below)
How To Stick To A Budget
Having a budget is more important than ever before, but sticking to one takes time and discipline. Here are ways to help you become a better money manager.
 
  • Track your spending. Most people spend their money on food, housing and transportation, but there are many other categories, like household costs, debt payments and entertainment. Try this: Write down every dollar you spend in a two-week period and see what you can cut on the list. Doing this with your spouse and your family members will turn up even more surprises.
  •  
  • Account for your cash. Does it just "disappear" from your wallet? Try tracking where it is spent. Sometimes, using debit or credit cards for expenditures can help with accounting.
  •  
  • Understand your debt (mortgage, student loans, credit cards) and set goals to reduce it. Federal Reserve statistics say the average household owes $7,529 on their cards. For indebted households, the average is $16,140. This is a major undertaking, but check out sites like www.creditcards.com for ideas on how to deal with high debt (for example, negotiate lower interest rates).
  •  
  • Have a savings goal, including an emergency fund, as part of your budget. What if you need major car repairs or a new furnace? Start small and add to this category gradually or you'll have to fall back on those credit cards. For long-term planning, review your investments and consult an expert if you need one.
  •  
  • Use a tool like www.Mint.com, Quicken or Google Docs spreadsheets. They're inexpensive or free and make it easier to track and categorize your expenses, set budgets, create reports and more.
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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. To request your copy, email me by clicking here.
Things To Keep In Your Car
You never know what can happen on the road, so you need to be prepared. Here's a checklist of supplies you should carry in your car:
 
  • Your owner's manual. Become familiar with it.
  • A functional spare tire (if your car is equipped with one) and tire-changing equipment.
  • A First Aid kit, flashlight and batteries, jumper cables, multi-purpose utility tool, cable ties, emergency whistle and duct tape. You can buy these separately or purchase an AAA Road Assistance Kit from Amazon.com for $25-$60.
  • A charger for your mobile phone.
  • Road flares.
  • Fire extinguisher. Buy one specifically made for cars at a store like Home Depot or AutoZone.
  • Blankets and bottled water.
  • Emergency cash in small bills ($50).
  • A tire gauge.
  • Foam tire sealant. Check out www.fixaflat.com.
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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 602-739-0095 and I'll give you all the facts.
Fun Facts and Laughs

5 Annoying Habits And How To Fix Them . . .

We all have odd habits that may drive our families (particularly spouses), friends and co-workers crazy. Here are some common ones and how you might try to change your behavior:

Habit: Always looking at your cell phone or tablet.
Change: Whether it's email or Facebook, you may be a little addicted. Best advice is to acknowledge the problem and make an agreement with your spouse or friends to set limits on your online time. You probably already do this with your kids so maybe you can do this together.

Habit: Clearing your throat all the time.
Change: You may not even know you do this. The problem, however, may be medical (allergies, acid reflux). Try an over-the-counter cough suppressant or talk to your doctor.

Habit: Selective listening.
Change: Maybe you just tune people out when you're thinking about something else. Try this: Pick a code word (not "HELLO! - that's annoying) for your spouse/kids/friends to use when they really want your attention.

Habit: Being a back-seat driver.
Change: Focus on something else (a conversation on another subject, something you did that day), not on what the driver is doing.

Habit: Interrupting conversations.
Change: If you're interrupting, learn to be more patient and listen. If someone is interrupting you, perhaps you are rambling and should get to the point. Or, just ask the interrupter to let you finish your thought.

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What To Do If You’re Getting A Cold . . .

Here are the first two things you should do:

Drink water consistently. That means a tall glass every 1-2 hours. You want to keep the mucus production (ick) flowing.

Sleep a couple of hours more than usual. That lets your body focus energy on supporting your immune system.

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Websites To Protect Your Online Presence . . .

StaySafeOnline.org - Read updated information on everything you can do to protect yourself online, including securing your accounts to preventing malware, ID theft and fraud.

JustDelete.me - Links you to the cancellation pages for a big list of social media sites, retailers and other businesses that might have data on you.

MailDrop.cc - Allows you to create a free email address that disappears 24 hours after it's used. Great for one-time deals or downloads.

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Have A Laugh – A Future Doctor. . .

On the way to pre-school, the doctor let his daughter look at his stethoscope. She picked it up and began playing with it. This thrilled the father as he thought, "Perhaps one day she will follow in my footsteps and become a doctor."

Then he heard her speak into the stethoscope "Welcome to McDonald's. May I take your order?"

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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!

So exciting to be helping the Corrigans with the sale of their wonderful property in Cave Creek. I've helped Pam with two purchases & sales in the past and sold both Keith's & Pam's parents homes. I am blessed to have such loyal clients.
Trivia Challenge for the Month...
“Who Else Wants To Win Two Free Movie Tickets?”
Guess who won last month's Trivia Question? I'm pleased to announce the lucky winner of last month's quiz. And the winner is, drum roll please: Mary Sorkin was the first person to correctly answer my quiz question.

What was the first item ever sold on eBay?

a) A Superman lunchbox
b) A Toyota Tercel
c) A broken laser pointer
d) The original Hollywood sign

The answer is c) a broken laser pointer. In 1995 Founder Pierre Omidyar listed the laser pointer to test his new site "AuctionWeb." He listed it for $1 and sold it for $14.83. The other answers were also sold on eBay but were not the first. Let’s move on to this month’s trivia question.

Who was the world's highest paid celebrity in 2015?

a) Floyd Mayweather
b) Robert Downey Jr.
c) Katy Perry
d) Roger Federer

EMAIL ME BY: Clicking Here OR Call Me At 602-739-0095 And You Could Be One Of My Next Winners!
 
Brain Teaser Answer:
A comma!
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.  Can I use a financial gift from a friend or relative as a down payment when buying a home?
 
A.   Yes. In fact, 1 out of 4 first-time homebuyers uses a gift to make the down payment. Tax law allows gifts of up to $14,000 a year without tax consequences to the giver or recipient. (The amount is adjusted annually so check IRS.gov publication 950 for the current figure.)

You could get a gift from two parents or two friends (for $28,000) without the givers paying a gift tax. Using a gift for a down payment helps you buy a home even if it's not Federal Housing Administration (FHA)-approved. The best advice is to contact a knowledgeable REALTOR® and discuss this subject before you start looking for homes.

For more information, ask for my Free Consumer Report called "4 Quick Ways To Buy A Home With Little Down." I'll send a copy right to you.

Do you have a real estate question you want answered? Feel free to call me at 602-739-0095 or email me by clicking here. Perhaps I’ll feature it 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) 2015 by Forte Communications, Inc.




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Lyn Trayte
10607 N. Hayden Rd. #100
Scottsdale, Arizona 85260
US