Selling Your Home Soon? You’ll need my Free Consumer Guide titled, “6 Steps For Selling Your Home For TOP DOLLAR.” Call me at
12032433820 to get a copy…
October 2021
New Haven, CT
Inside This Issue…
5 Symptoms Of Neglecting Self-Care…Page 1
Midnight Snacks That Are Actually Good For You…Page 2
Should You Lend Money To Family Members?…Page 3
Answer This Trivia Question and You Could Win $50.00 Gift Certificate...Page 4
What Experts Should I Talk To If My Home Is About To Go Into Foreclosure?…Page 4
Rudolph Perkins Presents...
Rudy Perkins Realty Newsletter!
"Insider Tips For Healthy, Wealthy & Happy Living..."
5 Signs You May Not Be Taking Care Of Yourself
Juggling the needs of work, family, and home often makes us forget our own essential needs. Rather than being selfish, self-care is critical. Without it, everything we’re juggling comes crashing down.
If you’re not taking adequate care of yourself, your body will let you know. You have to be paying attention to what it says! Here are a few signals your body can send that indicate it’s time to recharge your batteries. If you notice some of these symptoms, it’s best if you start by having a chat with your physician.
- Increased Forgetfulness: Forgetting occasional things might be expected, but walking around in a fog all day is a problem. This may be a sign of simply not getting enough sleep, but it’s good to consult your doctor if it’s a sign of a hormone imbalance.
- Constant Fatigue: Do you wake up in the morning feeling tired? That might be a sign of something like inadequate levels of iron or other vitamins or even sleep apnea.
- Skin Changes: Our largest organ, the skin, shows signs of ill health that are hard to ignore. If your skin is dehydrated, it might mean your diet needs more fatty acids. And sudden breakouts could also be a sign of stress or poor diet.
- Muscle Twitches: If you notice random twitches in your leg muscles even when you’re relaxing, it may not be so random. It may stem from a lack of magnesium in your system. A blood test by your doctor will be able to identify that.
- Mood Swings: If you’re more stressed or irritable than you think you should be, this can be a sign that your cortisol levels are too high. Your doctor can order a cortisol test, and regular exercise and proper sleep can help lower cortisol if it’s too high.
Many low hormones or vitamin levels stem directly from an unhealthy diet, which means some of the issues listed above can be addressed with changed eating habits. Talk to your doctor about what you should be eating more of and avoid to feel healthier.
www.rudyperkinsrealty.com
Thinking Of Buying A Home Soon?
If you’re planning to buy a home in the next 6 months, you’ll want a copy of my Free consumer guide, “7 Secrets For Saving Thousands When Financing Your Next Home.” My report will help you avoid frustrations and costly pitfalls when buying a home. Email me at [email protected] to get a free copy…
Word of the Month…
Studies have shown your income and wealth are directly related to the size and depth of your vocabulary. Here is this month’s word, so you can impress your friends (and maybe even fatten your wallet!)…
harbinger (pronounced HAR-bin-jer) noun
Meaning: someone or something that is a sign of what’s to come
Sample Sentence: My grandmother claims her aching knees predict the weather—when they start to hurt, she says, it’s a harbinger of rain.
Chew On This...
Travelers to Singapore have long known to leave the chewing gum at home. It’s been banned in the city-state since 1992 as part of an effort to keep the sidewalks clean. McDonald’s short-lived 2014 experiment in bubblegum-flavored broccoli (yes, really) might have been an interesting workaround, had it not been so universally detested.
Insulate Garage Doors?
There are arguments on both sides of whether it’s worth the time and money to insulate your garage door. What isn’t in dispute, though, is the effectiveness of insulating the rest of your garage. Consider insulating the garage ceiling if there’s living space above it, and any walls the garage shares with the rest of the house.
Have A Giggle...
Why does Humpty Dumpty love autumn?
Because he always has a great fall.
Quotes To Live By…
“Life shrinks or expands in proportion to one’s courage.”
– Anaïs Nin, Author
“However difficult life may seem, there is always something you can do and succeed at.”
– Stephen Hawking, Physicist
“Experience is something you don’t get until just after you need it.”
– Steven Wright, Comedian
Healthy Snacks For Late-Night Cravings
It turns out that having a snack long after dinner isn’t inherently wrong for you. What can be harmful, however, is eating the bad things just before bed. A general rule of thumb is to choose snacks that are higher in protein or fiber rather than sugar and carbohydrates. Beyond that, though, we need something tasty and satisfying—or we’ll keep snacking.
Here are a few healthier alternatives to what you might be craving late at night.
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Instead of: |
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Potato chips or pretzels |
Pistachios, roasted pumpkin seeds: Salty and crunchy, and also packed with protein
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Chewy candies |
Goji berries, tart cherries: Chewy and sweet, and also nutritious superfoods
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Ice cream |
Greek yogurt, protein smoothie: Cold and sweet, and also has probiotics or protein.
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Sandwich |
Whole wheat toast with peanut butter, carrots with hummus: Savory and filling, and also fiber- and protein-rich
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Chocolate |
Almond butter with banana or dates: Rich and sweet, and also has fiber and healthy fats. |
You know your tastes best, so let your palate be your guide for the healthy goodies to keep handy in your kitchen.
www.rudyperkinsrealty.com
Thank You! Thank You! Thank You! Thank You!
Thanks to my clients and friends who support my practice and graciously referred me to your friends and neighbors. Rather than pester people with unwanted calls and visits, I build my business based on positive comments and referrals from people just like you. I couldn't do it without you!
Brain Teaser
Henry is a six-foot-tall assistant at the local butcher shop and he wears size 10 shoes. What does he weigh?
(See page 4 for the answer.)
What's My Home Worth?
If you want to know your home’s current value, I will gladly conduct a Maximum Value Home Audit. Request this “no charge” in-depth home value analysis by calling me at:
12032433820.
“The Other Dream Team”
The US basketball team at the 1992 Olympics wasn’t the only story worth telling that year. Lithuania’s Olympic basketball squad made headlines both for their performance on the court and their bright tie-dyed uniforms. Why tie-dye? Because the team had an unlikely sponsor—The Grateful Dead. The 2012 film “The Other Dream Team” tells the team’s tale, in which the colorful kit is only one of the fascinating storylines.
Apps To Identify
Flora & Fauna
Getting away from the barrage of technology interruptions in nature is great, but your phone can also help you learn what’s around you.
iNaturalist: inaturalist.org/ The database behind the iNaturalist website and mobile app contains roughly 300,000 species of plants and animals, so it’s one-stop-identifying for most trips outdoors. Plus, it works even when you’re out of cellular and wifi range (free, Android and iOS)
BirdNet: birdnet.cornell.edu/ The BirdNet app was built by the Cornell Lab of Ornithology and uses the mic on your phone to help identify birds by their calls—so you don’t even have to see a bird to find out what it is (free, Android and iOS)
iTrack Wildlife: naturetracking.com/itrack-wildlife/ The “pro” version of iTrack Wildlife includes more than 800 photographs of animal tracks to help you figure out what critters are in the vicinity ($14.99, Android and iOS).
Nearly everyone has probably borrowed money from a family member at one time or another, but getting $20 to fill the gas tank is a far cry from asking for a loan to start a business or put a down payment on a house. Lending more considerable sums of money to a family member can be incredibly helpful to the borrower. Still, a defaulted loan has the potential to ruin relationships, so it's wise to tread carefully when it comes to money and family.
These are a few things to keep in mind when you're considering lending money to a loved one.
- Don't Skip the Paperwork: Creating a loan agreement is still an excellent idea even though you're not a bank. There are loan contract templates online to get you started, but some basics to include are the amount lent, interest rate, and repayment terms.
- Not Building Credit: Young adults often need to borrow from their parents for significant expenses (like buying a first home). It's essential to keep in mind, though, that while the interest rate on a family loan is likely to be low (or zero), it's a loan that won't help you establish or rebuild good credit.
- Tax Implications: The IRS has based minimum interest rates, even on family loans. If you don't charge any interest, the IRS considers that a gift—and monetary gifts are taxed differently. To avoid complications later, make sure you're using the current federal loan rate and documenting the loan properly.
With the proliferation of smart doorbells, it’s easier than ever to keep your home safe and secure. The number of doorbells with video capabilities has grown significantly, so options have expanded and you can choose based on your needs. Here are a few of the top-rated intelligent doorbell makers.
Arlo (arlo.com/en-us/doorbell) is a favorite among some reviewers for its ability to tell the difference between people, vehicles, package deliveries, and animals. This does require a $3 per month subscription, though.
- Eufy (us.eufylife.com/collections/video-doorbell) makes both wired and wireless models and distinguishes between people and animals with no monthly subscription fee. Video storage longer than 30 days does come with a $3 per month charge, however.
- Ring (ring.com/doorbell-camera) has multiple models (including one for apartment peepholes) with wired and wireless options. Saving footage longer than 60 days requires a $3 per month subscription fee.
If video monitoring at your front door doesn’t feel like enough home security, note that most intelligent doorbell companies also make other devices that can all link together for a complete in-home system. Devices range from cameras that you can install anywhere, security lights, a smart switch that will turn a light on indoors when motion is detected, to door locks you control with your phone.
www.rudyperkinsrealty.com
Would You Like To Know How Much Your Neighbor's Home was Listed Or Sold For?
Maybe you're just curious. Or perhaps you want to know how much your home is worth. Either way, I can help with no "sales pitches" or run-arounds. Please email me at [email protected], and I'll give you the facts.
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.
Brain Teaser Answer:
Meat!
The Wonders Of WD-40
If you only use WD-40 to keep hinges from squeaking, you’ll be thrilled to know about other creative ways to use this household staple.
- Gum Remover: The lubricant makes it much easier to remove gum from almost any surface (including hair).
- Stainless Steel Cleaner: Stains disappear with soap and water after they get a spray of WD-40.
- Grout & Tile Cleaner: Spray WD-40 on dirty tile areas, leave it for a few minutes, and wipe clean with soap and water.
Deeply Funny
What sits at the bottom of the sea and twitches?
A nervous wreck.
THANK YOU for reading Rudy Perkins Realty my
personal newsletter. I wanted to produce a newsletter that has great content and is fun and valuable to you. Your constructive feedback is always welcome.
AND…whether you’re thinking of buying, selling or financing real estate, or just want to stop by and say “Hi,” I’d love to hear from you…
RUDOLPH PERKINS
Rudy Perkins Realty
12032433820
Disclaimer: The information contained in this letter 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 letter is not intended to solicit real estate properties currently for sale.
Q. What experts should I talk to if my home is about to go into foreclosure?
A: Avoid scammers, and talk to one or more of these professionals:
- Your REALTOR® will help you review your options.
- A Foreclosure Counselor will help you evaluate your current financial situation and serve as an advocate with your bank, free of charge.
- A Tax Expert will advise you if you do a short sale or deed-in-lieu of foreclosure since debt forgiveness may be considered taxable income.
- A Credit Counselor can help you develop a plan to avoid future financial difficulty and help you repair your credit score.
- An attorney can help you if your lender has filed a foreclosure lawsuit.
For more information on avoiding foreclosure, call and ask for my Free Consumer Report called “Options To Avoid Foreclosure.” I’ll be glad to send a copy over to you.
Do you have a real estate question you would like answered? Feel free to email me at [email protected]. Perhaps I’ll feature your question in my next issue!
www.rudyperkinsrealty.com
"Who Wants To Win $50.00 Gift Certificate?
Then be the first person to answer this month's Trivia Question correctly?
Last month's Trivia.
Which of these famous cookies is the most popular?
a) Girl Scout Thin Mints b) Oreo c) Little Debbie d) Chips Ahoy!
The answer is b) Oreo. According to the consumer data company Statistics, Oreo outsells all the others. So let's move on to this month's trivia question.
Two famous Italian artists bore the first name of Michelangelo.
What were their last names?
a) Bellini and Caravaggio b) Buonarroti and Caravaggio
c) Botticelli and Caravaggio d) Buonarroti and Brunelleschi
Email Me At [email protected] And You Could Be One Of My Next Winners!