Do You Just Renew Your Insurance Policies Each Year?

Dear Friends & Clients;
 
If you’re like most people, you do – and you’re probably paying too much.  In today’s Service For Life! ® Free consumer newsletter, you’ll learn what discounts to ask for to lower your auto and home insurance policy costs.
 
You’ll also learn three ideas for happier holidays, how your electronic devices are affecting your health, what to do if you’re being followed, how to get the designer look for less with eyeglasses – plus fun facts, a trivia challenge, and lots more.  But first…
 
            Here’s what’s happening in the Valley Real Estate:  Although the average price per square foot for monthly sales has been moving higher as predicted, the pending listing average price per square foot has moved lower at the same time. This means there is only a small amount of upward momentum left for the market as a whole. Most of this momentum is concentrated in homes that are priced below $300,000. Even here it is the areas closer to the center of the valley that are moving up strongly while interest in the outer regions declines.
           New homes are starting to take more market share in Greater Phoenix. In September they represented 13.9% of single family sales and the total of 934 recorded deeds was the highest since December 2008. Buyers like new homes and modern amenities. Even in the resale market we are seeing older homes that have not been modernized take much longer to sell than recently built or refurbished properties. Investors don't mind properties that need a lot of work if they can buy them at the right (low) price. However there is a widening gap between average asking prices and average sales prices which suggests too many sellers are over-optimistic when they first list their home. This is confirmed by the number of downward price changes which is growing again. This is another signal of a cooling market.
           Zillow probably should take the blame for some of this. Many of their Zestimates are hopelessly optimistic and far above the valuations calculated by licensed appraisers, obtained by realistic market comparisons by real estate professionals, and most other automated valuation tools (AVMs). Too many sellers assume Zillow has some special mechanism to come up with their Zestimates, but in my humble opinion, their valuation tool is well below average quality. My research suggests that while some Zestimates are too low, the majority in Greater Phoenix are well above the present market value. Very few are close to the right number.
 
            Finally, I want you to know that you may call me for any reason.  And please let me know if a friend, family member or neighbor needs a caring, competent real estate professional to help in buying or selling. 
 
            I truly appreciate your friendship and referrals.  Enjoy your issue!
 
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Lyn Trayte's...
Service For Life! ®
 
Inside This Issue...
 
  • Save Hundreds On Home And Auto Insurance...
  • What To Do If Someone Is Following You...
  • Fun Facts and Laughs: 3 Ideas For Happier Holidays, Homemade Flu Fighter, Websites For Medical Advice, And More...
  • Trivia Challenge: Win Two Free Movie Tickets
  • Real Estate Q&A: What Do I Need To Know About Negotiating When Selling My Home?
 
If you're not already a subscriber to my free e–newsletter email me to sign–up
 
Lyn Trayte Lyn Trayte
Dominic and Co Int'l Real Estate
Phone: 602-739-0095
Email: lyn.trayte@gmail.com
 

Dear Lyn...

If you’re like most people, you do – and you’re probably paying too much. In today’s Service For Life!® Free consumer newsletter, you’ll learn what discounts to ask for to lower your auto and home insurance policy costs.

You’ll also learn three ideas for happier holidays, how your electronic devices are affecting your health, what to do if you’re being followed, how to get the designer look for less with eyeglasses – 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 with a growing family and they need more room. You can help them buy their dream home for a lower payment than they might think is possible by mentioning my Free Consumer Report "7 Secrets For Saving Thousands When Financing Your Home." To request a copy for a friend, simply email me by clicking here.
 
Today's Brain Teaser . . .
I can sizzle like bacon, I am made with an egg. I have plenty of backbone, but lack a good leg. I peel layers like onions, but still remain whole. I can be long like a flagpole, yet fit in a hole.
What am I?

  (see answer below)
How To Save On Home And Auto Insurance
If you just renew insurance policies each year rather than taking the time to review your coverage and discounts, you’re likely paying too much. Shop around annually (set a date in your calendar to help you remember) to see if you’re getting the best deal. You can contact a broker, or use sites like Insure.com or QuoteWizard.com. Ask your provider if they offer the following deals.
 
  • Vehicle Insurance
  • Safety devices: Providers like State Farm and Geico offer a discount for daytime running lights, while Liberty Mutual and Travelers offer a discount for anti-lock brakes.
  • Young drivers: Drivers under 25 in your household can mean your rates skyrocket, but good students usually warrant a discount because they’re often safer drivers. Insurance companies may want to see proof of a B average in school.
  • Home Insurance
  • Multiple plans: If you buy auto and home insurance from the same company, you can often get 5 to 15% off your rate.
  • Land value: Don’t mistakenly buy coverage for the price of your land in your homeowner’s policy – only include coverage for the price of the home. Land is not at risk of theft or fire, which is what you’re protecting from.
  • Modernizing/disaster prep: Ask your insurer – You may be able to add storm shutters, better roofing material, or modernize your electrical or plumbing systems to help lower premiums.
Consider ways to get lower rates as soon as you purchase a new home or vehicle (homes in areas with lower crime rates or a professional fire department generally have lower rates. Vehicles with certain features like anti-theft devices can usually get a discount from auto insurers).
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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 Someone Is Following You
The feeling that someone might be following you is terrifying. Though it’s not likely, what would you do if the feeling became reality? Being aware of your surroundings is the best way to tell if someone is actually following you. Whether you’re on foot or in a vehicle, here’s how to know if someone’s tailing you and then how to handle the situation:

How to Tell
  • Try not to act as if you’re looking for the person following you. Keep walking or driving at the same speed, and try not to look over your shoulder.
  • Notice small details. Is the car behind you taking all of the same turns? Does the suspicious person take a turn away from you but re-appear minutes later?
  • Walk or drive more slowly. If you’re in a car, move to the right lane and drive a few miles under the speed limit. If you’re walking, stop for a moment and notice if people around you stop as well.


What to Do
  1. Stay calm. Don’t speed or panic because you’ll be more likely to cause an accident.
  2. Be confusing. Change your route, stop, retrace your steps, take a quick exit or enter a store unexpectedly.
  3. Call the police. It’s better to let the professionals handle the situation. Let them know exactly where you are and describe the suspect person or vehicle in detail.
  4. If you’re being followed, don’t drive home in case it’s a criminal with bad intentions. You don’t want them to know where you live. Instead, drive to the nearest police station or busy public area.
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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

3 Ideas For Happier Holidays . . .

The holidays can get stressful in a hurry. Try these simple methods for celebrating the season – and make it easier for you and your family.
 
  1. Focus on the act of giving, not the presents themselves. Buy gifts for the kids, but get your kids involved in giving homemade gifts (cookies, picture books) to other family members.

  2. Start a family gift exchange. One idea: have family members put books they’d enjoy on an Amazon.com wish list. Share those lists and choose the books you want to give them.

  3. Participate in (or donate to) a charitable activity. Check out a site like www.volunteermatch.org, but start looking early to make sure you are matched with the organization you want. On a smaller scale, bake something special and deliver it to a fire station or senior citizens’ home.

  4. To ease your own stress, remember to plan ahead. Use a calendar to set aside days for exercise and rest, and learn to say no if you have too many commitments.
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Homemade Flu Fighter. . .

If you’re trying to recover from the flu or a cold, doctors say to get plenty of fluids and electrolytes. Store-bought sports drinks contain processed sugar and artificial ingredients, though, so why not try making your own? This recipe is much healthier.

In a blender, combine:
2 cups of filtered water...
1/2 cup of fresh orange juice...
1/2 cup of fresh lemon juice...
1/8 teaspoon of sea salt...
and 2 – 4 Tbsp. of organic raw honey.

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Websites for Medical Advice . . .

These websites can help you do some research before a visit to your doctor.

www.webmd.com – Find credible, timely information from an award-winning site: helpful medical and health information, online support communities, and expert commentary.

www.mayoclinic.com – The non-profit, number-one-rated hospital has detailed information about healthy lifestyle, drugs and supplements, and tests and procedures.

www.nlm.nih.gov/medlineplus – The National Institutes of Health provide health reliable information for patients and family in understandable language.

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Have A Laugh – Boat Tales. . .

A riverboat captain was bragging to his passengers about how long he’d been captaining boats. “I’ve been on this river for so many years, I know each and every sandbar personally!”

Just then the boat rammed into a sandbar so hard, the entire boat and all its passengers were shaken violently.

“Look, there’s one of them now!” shouted the captain.

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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.

This month’s Client Of The Month is A huge Thank You to Pam & Keith Corrigan for their continued support & confidence. I sold both their parents homes in Anthem and helped with Keith's home sale in Gilbert & am now working with them to sell their wonderful home in Cave Creek..

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: Peter Boxlighter was the first person to correctly answer my quiz question.

What famous skateboarder was the first person to perform a trick called the 900, which is 2.5 rotations in the air?

a) Tony Alva   b) Ryan Sheckler   c) Shaun White   d) Tony Hawk

The answer is d) Tony Hawk – nicknamed The Birdman, he is one of the most successful pro skateboarders in history. He has even skated at the White House – with permission! Let’s move on to this month’s trivia question.

What ancient city and UNESCO site is carved into a sandstone cliff?

a) Ur
b) Petra
c) Palmyra
d) Carthage

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 snake
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.  What do I need to know about negotiating when I sell my home?
 
A.   Revealing too much information to buyers when you’re negotiating the sale is a common, costly mistake. To get the most for your home:
 
  • Work with a professional REALTOR® who knows questions to ask potential buyers that determine their motivation for buying and what price they can afford.
  • Don’t mention the “appraisal” value of your home at a showing to try to persuade a buyer to pay more for it. An appraisal may not be accurate and is not the best indicator of the value of a home.
  • Don’t tell a buyer why you’re selling (especially if you need to sell it quickly). Just say your housing needs have changed.
You can learn about six more costly mistakes in my Free Consumer Report called “How To Avoid 7 Costly Mistakes When Selling Your Home.” Call me and I’ll send a copy right over 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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Lyn Trayte
10607 N. Hayden Rd. #100
Scottsdale, Arizona 85260
US