Dear Friends & Clients,

I am thrilled to announce that I have recently joined the Pellegrini Group with Russ Lyon Sotheby’s International Real Estate, who are #1 in sales in the Fountain Hills area and a top producing team in the Russ Lyon family.  I am thrilled to work with Susan Pellegrini and her family and know that my association with them will enhance the experience and benefits I can give my clients.  Please know that I will still be accessible through my gmail and current phone number and will continue the personalized service you have all come to recognize and appreciate throughout the years.

Please enjoy the newest edition of my "Insider" Newsletter

 Tips for Healthy, Wealthy and Happy Living – View in browser

Lyn Trayte's...
Service For Life! ®
 
Inside This Issue...
 
  • How To Save Money On Car Insurance...
  • What To Do If Your Email Is Hacked...
  • Fun Facts and Laughs: Pet Owners: How To Keep Your House Clean, Money Management Websites, And More...
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Questions Should I Ask a Mortgage Lender?
 
If you're not already a subscriber to my free e–newsletter email me to sign–up
 
Lyn Trayte Lyn Trayte
Pellegrini Group/Russ Lyon Sotheby's Int'l Real Estate
Phone: 602-739-0095
Email: lyn.trayte@gmail.com
 

Dear Lyn...

Car insurance quotes can vary wildly from company to company. In today’s Service For Life!® Free consumer newsletter, you’ll learn how to save money on car insurance next time you are in the market.

You’ll also learn how to clean up your email if you’ve been hacked, strategies for pet owners on how to keep a house clean – plus fun facts, a trivia challenge, and lots more.

Lyn Trayte

Lyn Trayte, REALTOR®
Pellegrini Group/Russ Lyon Sotheby's 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 with a graduating senior and they want to buy an investment property while their child is in college. You can mention my Free Consumer Report: "8 Secrets For Saving Thousands When Finding, Buying and Financing Your Next Home" with my phone number when sending them a Graduation Card or when talking to them at a Graduation Party - 602-739-0095. Or, request a copy for a friend by clicking here.
 
Today's Brain Teaser . . .
What is a 10-letter word in the English language that can be typed using only the top row of letters on a keyboard?

  (see answer below)
How To Save Money On Car Insurance
Having car insurance is required in almost every state, and is undeniably helpful in case of an accident even if you aren’t required to have it. But, it can still be pricey.

Get the most bang for your car insurance buck with these shopping tips:
  • Know what you need: Beyond your state’s minimum requirements, think about what you really need coverage for. Generally, everyone should have liability and injury coverage. If you don’t have the money to repair or replace your car after an accident, consider getting collision and comprehensive coverage as well, but if the value of your car is minimal, it may not be necessary.
  • Compare prices: Rates vary across companies, so get quotes from a few before deciding (or use a site like thezebra.com, which does the hard work for you by comparing several insurance companies’ rates at once).
  • Increase the deductible: Doing so means the premium will drop. Of course, that means you’ll pay more out of pocket for damages. Decide how much you could afford if you were in an accident.
  • Ask about discounts: Discounts are commonly given for driving cars with safety features, being a good student, being married, serving in the military, and coupling car insurance with other types of insurance policies. Always inquire about what is available.
  • Maintain a good driving record: Car accidents and moving violations increase your insurance rates, so avoid them at all costs.
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Thinking Of Selling Your Home Soon?
Don’t attempt to sell your home without my Free Consumer Guide, “6 Steps For Selling Your Home For Top Dollar.” My exclusive report will give you all the facts for a fast, top dollar sale. To request your copy, email me by clicking here.
What To Do If Your Email Is Hacked
Despite your very best intentions at protecting your email account, you may receive a message from a friend letting you know your email is sending spam. That’s a sign you’ve become a victim of hacking or computer hijacking. Take these steps to reclaim your email and ensure it doesn’t happen again.
  1. Change your password. Make sure you use a strong password (a mix of letters, numbers, and symbols).
  2. Download and/or run anti-virus malware-removal software. There are numerous programs available; Norton (us.Norton.com) and McAfee (home.McAfee.com) are among the best known. Make sure you keep your anti-virus software updated to avoid future attacks.
  3. Avoid clicking on scareware. If a pop-up claims your computer has been infected by a virus and offers to sell you corrective software, don’t click on anything. Instead, disconnect your computer from the internet and run a full-system scan with the anti-virus program.
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Here’s A Free, Valuable Resource...
Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling At www.LynTrayte.com
Fun Facts and Laughs

Pet Owners: How To Keep Your House Clean . . .

Four-legged friends are part of the family, but wouldn’t it be nice if they also did their part in keeping the house clean? Luckily, there’s plenty you can do to keep fur, fluff, and dander at bay.

Contain the fur. Encourage pets to lay on old towels or sheets placed on the floor or furniture. Thoroughly and frequently vacuum. Use lint rollers to pick up stray hair at a moment’s notice.

Keep paws clean. Before pets come in from outside, dip paws in room temperature water and dry them off.

Stay stain free. If a pet throws up or urinates on the floor, clean it up quickly. Blot stains, absorbing as much liquid as possible; do not rub. Apply a solution of 1/4 teaspoon of clear dishwashing liquid mixed with one cup of tepid water. Rinse by blotting as well.

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When Not To Buy These Items . . .

Sometimes the day of the week can make all the difference in the price you pay for certain items. For example:
  • Airline tickets are most expensive on the weekend. Wait until Wednesday to buy.
  • If you order fish at a restaurant or purchase flowers on a Monday, they are probably four or five days old. Mid-week orders serve up the freshest fish and flowers.
  • Car shoppers on Mondays and Tuesdays are considered need-based shoppers and won’t receive as many incentives as weekend buyers. The last third of the month is the best time to buy for incentives, according to analysts.
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Money Management Websites . . .

Make it easy to keep track of your finances.

www.mint.com – An automatic spending tracker and budgeting tool.

www.expensify.com – Helpful for tracking money spent in several different ways. Also creates expense reports for easy analysis.

finance.yahoo.com – Keep track of stocks and investments.

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What You Can Buy For $1 Around The World. . .
  • A bottle of wine in Hungary
  • A package of Ramen in Norway
  • One-and-a-half bottles of beer in Czech Republic
  • Three empanadas in Colombia
  • A bowl of pho in Vietnam
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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!

I am continually grateful for people like Mary Lange who consistently thinks to refer me to her friends and colleagues for their Real Estate needs. She also is quick to recognize me on Social Media and is a frequent winner of my Trivia Questions. Clients like Mary are a blessing and I am truly grateful.
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: Linda Byerle-Dennis was the first person to correctly answer my quiz question.

Mountain Boomer, Sheepnose, and Tickled Pink are names of what?

a) Roses
b) Apples
c) Cruise Ships
d) Islands

The answer is b) Apples. Let’s move on to this month’s trivia question.

What is the sum of all the numbers on a roulette wheel?

a) 444
b) 555
c) 666
d) 777

EMAIL ME BY: Clicking Here OR Call Me At 602-739-0095 And You Could Be One Of My Next Winners!
 
Brain Teaser Answer:
Typewriter
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.  I’m seeking financing to purchase a home. What questions should I ask a mortgage lender to get the best deal on a home loan?
 
A.   Before you meet with the lender, learn important financing terms such as origination fee, discount points, and lock period. This way you’ll be prepared to ask relevant questions. Here are some examples:
  • Will I be charged an origination fee? If so, how much?
  • Will I be charged separate discount points? If so, how much?
  • Will I be charged any of these separate fees: processing, document preparation, underwriting, tax service, or flood certification?
  • Will there be additional fees at closing?
  • Is there a lock period with this loan? If so, how long?
  • Are there any penalties if I pay off the note early?
  • What is the interest rate I’ll be charged, and is it fixed or variable?
  • What term (length) of loan provides the best payment for my budget?
For definitions of these terms and more financing tips, ask for my Free Consumer Report called “7 Secrets For Saving Thousands When Financing Your Home.” 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.
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Lyn Trayte
10607 N. Hayden Rd. #100
Scottsdale, Arizona 85260
US