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Lyn Trayte's...
Service For Life! ®
Inside This Issue...
Lyn Trayte Lyn Trayte
Russ Lyon Sotheby's International Real Estate
Phone: 602-739-0095
Dear Lyn...

The financial industry is a primary target of cybercrime, particularly in the form of data breaches and potential identity theft. In today’s Service For Life!® Free consumer newsletter, you’ll learn some important steps you can take to help protect your investment savings.

You’ll also learn how to make extra income by renting your home or a room to travelers, five things you shouldn't buy and some great garage sale tips – plus fun facts, a trivia challenge, and lots more.
Lyn Trayte
Lyn Trayte, REALTOR®
Russ Lyon Sotheby's International 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 you meet who were relocated and are looking to buy a home this summer. Tell them about my Free Consumer Report: "8 Secrets For Saving Thousands When Finding, Buying and Financing Your Next Home". Then give them my phone number - 602-739-0095. Or,
Today's Brain Teaser . . .

What belongs to you, but other people use it more than you?

(see answer below)
Are Your Investment Savings Protected From Cybercrime?

Cybercrime is everywhere, but the financial industry has been a primary target. The U.S. Securities and Exchange Commission is increasing its enforcement efforts, but here are steps you can take yourself to improve your protection.
  • Research the “online fraud policy” on your investment firm’s website. Or talk directly to an individual in the firm about their policies. Ask if they have “online security guarantees” and anything you might have to do to qualify.

  • Ask your investment firm if they offer any additional protection. For example, Charles Schwab will send you a free token that basically changes your password every time you log in.

  • Change your username, password and security questions every 6-12 months. Make them strong passwords, not the names of your children or pets. Don’t even give this info to your financial advisor.

  • Only check your accounts from your home computer. Make sure you have up-to-date anti-virus and firewall protection. Be aware of scams, like bogus emails from financial institutions.

  • Consider spreading your retirement savings between two or three different institutions.
Check to see if your institutions have a history of any hacks. Go to and click on “Data breaches timeline since 2005.” Enter the company’s name in the box “Search the entire database for a company or organization by name.”

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Save Thousands When Buying A Home...

Did you know there’s a free consumer report revealing ways to save time and money when buying a home? It’s called “8 Secrets For Saving Thousands When Finding and Buying Your Next Home,” and it’s great even if you’re not planning to buy soon.
Make Extra Income By Renting Your Home Or A Room

With thousands of hotel rooms available that offer the same amenities, many travelers now prefer a more personal experience – staying with a host by renting a room or an entire house through sites like,, and As a host, you can make significant extra income by renting your space. Here are key questions you should ask if you are considering hosting:
  • Is it safe? Check with the site you might list with for specifics. AirBnB provides hosts with insurance and “Verified ID,” which means they have verified guests’ information. It’s wise to speak with your guests on the phone before you book the reservation. Plus, guests and hosts are both subject to reviews from other guests/hosts on most sites.

  • How much can you earn? Hosts who rent out a room make anywhere from $70 per night on AirBnB in a city like Houston, to over $100 in San Francisco. The most profitable locations are places with beaches like Miami and San Diego, mountain towns, or cities with summer festivals. HomeAway reports that homeowners charge an average weekly rate of $1,520 for an entire home.

  • How much time does it take? Hosts who are more hands-on have higher occupancy rates. Cleanliness, an accurate description and pictures of your property, and developing a relationship with your guests will help you book more often, and get you better reviews. HomeAway says its hosts spend an average of 9 hours per week marketing and managing their properties.

  • Can I do it in my neighborhood? Understand the laws in your town. Call your local zoning/planning office to make sure it’s legal to rent a room to short-term renters.
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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 Things You Should Rent Instead of Buy . . .
  • Musical instruments for your kids – Don’t invest until your child is committed to an instrument.
  • RVs – See if you like this lifestyle first before you spend big bucks.
  • Medical equipment – Google “medical equipment rentals” for things like wheelchairs that you may only need temporarily.
  • Boats – It’s cheaper to charter.
  • Textbooks – Try or
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Great Garage Sale Tips . . .

Ready to get rid of clutter? Use these tips to hold the best garage sale ever:
  • Plan ahead and publicize everywhere. Use, word-of-mouth, emails to friends, and spend some time on legible signs that guide people to your home.

  • Get your kids to donate items and participate in the sale. Team up with neighbors so you’ll have more to offer.

  • Arrange items by category (books, clothes, etc.) and put some of your sure-to-sell items up front (in the driveway) to draw customers in.

  • Make sure every item is clean and reasonably priced. A rule of thumb is one-half to one-third of the original price, depending on the item. Be prepared to negotiate – everyone wants a bargain.

  • Get some music going (plus snacks) to keep things lively.
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Top Websites for Learning . . . – Learn a new language on this site or the app, the most downloaded app in the Education category on Google Play and iTunes. – Called “the largest school on planet Earth,” it offers free online courses on everything from math to art and economics. – Access more than 1,800 courses from top universities and organizations, including Duke, Stanford, and the Museum of Modern Art.

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Guess These Sounds...

Do you reminisce about the sound of dialing up the internet, playing PacMan, or tapping on typewriter keys? Me neither. But someone is preserving them for posterity. Go to and have fun asking your friends to guess what the sound is.

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Are You My Client Of The Month?

Every month I choose a very special Client Of The Month. It’s my way of acknowledging good friends and saying “thanks” to those who support me and my business with referrals, word of mouth and repeat business.

How wonderful to hear from Steve & Kim Johnson, clients I sold a home to 10 years ago and now are wanting to put it on the market for sale. It is rewarding to me to remain in contact with past clients and have them continue to use me and refer me for future business.

You might be my next Client Of The Month too! Watch for your name here in an upcoming month.
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: Wayne Bacon was the first person to correctly answer my quiz question.

What is Scotland’s national animal?
a) Red squirrel
b) Unicorn
c) Loch Ness Monster
d) Highland cattle
The answer is b) Unicorn. Let’s move on to this month’s trivia question.

Who is the most nominated male actor in Academy Award history?
a) Paul Newman
b) Jack Nicholson
c) Spencer Tracy
d) Laurence Olivier
And You Could Be One Of My Next Winners! Call Me At 602-739-0095 OR
Brain Teaser Answer:

Your name!
Real Estate Q & A . . .

Q.  I’m wasting money on rent and want to buy a home. How can I get help with a down payment?
A.   There are ways to get a down payment, including the following:
  • Look into local or federal government programs. They expire or change frequently, so ask your REALTOR® about any programs that may apply to your area and situation.
  • Have the seller finance you. Some sellers may be willing to help you buy their homes in something called a “seller take-back.”
  • Use a financial gift from a friend or relative. Tax law allows gifts of up to $14,000 a year to be given without tax consequences to the giver or recipient (see IRS publication 950). You can get a gift from each parent or two friends without them having to pay a gift-tax, which brings it up to $28,000.
For more information and tips on how to get a down payment to purchase a home, ask for my Free Consumer Report called “4 Quick Ways To Buy A Home With Little Down.”

Do you have a real estate question you want answered? Feel free to call me at 602-739-0095 or email me. 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) 2016 by Forte Communications, Inc.

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