If you’re thinking about selling your home soon, request my Free Consumer Guide, “7 Insider Tips To Net More Money Selling Your Own Home.” Call me right now at 12032433820 for details…
November 2023
New Haven, CT
Rudolph Perkins Presents...
Rudy Perkins Realty Newsletter!
"Insider Tips For Healthy, Wealthy & Happy Living..."
When small everyday expenses become a habit, we stop noticing what they cost—and they add up quickly. The first step to cutting your monthly bills is to start tracking them—something you can do with a personal finance app (like Mint or You Need a Budget) on your phone.
Once you’ve got a sense of the big spending picture, then it’s time to figure out where you can save. Here are a few small ways to reduce monthly expenditures that, taken together, can add up quickly.
1. Audit subscriptions: You may have an auto-renewing membership to something you’ve forgotten about and no longer use—the gym, a streaming service, an online magazine, etc. Scan your credit card statements for memberships and subscriptions you can cancel.
2. Check out library perks: Public libraries offer far more than books, including things like tickets to local attractions and access to newspaper and magazine subscriptions to library cardholders. Some have a “Library of Things,” from which you can borrow, say, a food dehydrator, acoustic guitar, or weed whacker for free.
3. Shop second-hand first: Before you click the “buy” button on something brand new, see if you can get a used one first. Browse local thrift shops and set up search alerts on Craigslist and eBay for items you’re looking for but don’t need immediately. You may even have local options for getting used items for free in a “gift economy” group (see page three for some “gift economy” websites).
4. Ask for a better deal: Even if you’ve paid the same amount for a cable and internet package for years or you’ve had the same credit card interest rate since you signed up, it never hurts to ask for a better deal. Cable companies run promotions constantly, and while existing customers don’t hear about them, that doesn’t mean they can’t take advantage of them. And, if your payment history and credit score are good, your credit card company may be able to reduce your interest rate.
Check out even more ideas for cutting your monthly costs, including insurance bundling and debt consolidation, here:
nerdwallet.com/article/finance/how-to-lower-your-bills
www.rudyperkinsrealty.com
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. Get your free copy by emailing me at [email protected].
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!)…
meet-cute (pronounced MEET-kyoot) noun
Meaning: an adorably funny or sweet first meeting of people who become a couple
Sample Sentence: The groom shared the couple’s meet-cute at the reception—they literally bumped into one another trying to get to the last vacant seat on the subway.
Showerhead Rescue
If you have hard water, mineral deposits can clog your shower nozzle over time. Here’s how to get rid of them:
Dad Joke...Arrrghhh
How much do pirates pay for earrings?
A bucc-an-eer.
Quotes To Live By…
“Failures, repeated failures, are finger posts on the road to achievement. One fails forward toward success.”
– C. S. Lewis, Author
“After silence, that which comes nearest to expressing the inexpressible is music.”
– Aldous Huxley, Author
“I’m always making a comeback but nobody ever tells me where I’ve been.” – Billie Holiday, Musician
As more payment transactions happen with credit cards and touchscreens, tipping behavior has changed. Although 15% is still considered a traditional tip rate by many, consumers are seeing tip prompts for as much as 30%. This so-called "tip creep" is backfiring, with some—fewer diners at sit-down restaurants tipping today than they did five years ago.
In specific industries (restaurants and bars especially), wages are much less than minimum wage—the assumption is that tips will make up the difference. Increasingly, though, customers are being given the option to tip in places they never used to and where employees do earn minimum wage. At the outset of the pandemic, many people left tips where they never had before or rejected more significant recommendations than in previous years. What felt more like a gesture of kindness then feels to some like an expectation now, which has soured many consumers on tipping altogether.
There are generally situations in which you should tip—dining in a sit-down restaurant, getting food delivered, going to the hairdresser—and others in which you can skip the tip without guilt. No information is needed when getting lunch at a kiosk, for instance, or in a fast-food restaurant. And if the touchscreen tips start at 18% or higher, you can enter a different amount instead of choosing a prompted option.
Whether your RV is only out in summer or you’ve moved to full-time RV life, there are dozens of ways to trick out an RV that make it more pleasant to use. Here are just a few to get you started.
www.rudyperkinsrealty.com
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.RudyPerkinsRealty.com.
Brain Teaser…
A woman leaves the room with two legs. When she comes back, she has six. What happened?
(See page 4 for the answer.)
Real Estate Question?
Maybe you want to know how much your home is worth. Or perhaps you need a recommendation for a handyman, carpet cleaner, or plumber…Either way, I love hearing from all my good friends and clients. And I’m happy to help answer questions you might have about anything relating to real estate or home ownership. If you have a question, tip, or idea, email me at [email protected]. I’m here to help!
The Hole Truth
Swiss cheese is recognizable thanks to its holes. But how do holes get inside a solid block of cheese? Turning milk into cheese requires certain bacteria, which give off carbon dioxide as they do their work. Some of the resulting air bubbles get trapped in the cheese. The longer Swiss cheese ages, the bigger the holes are likely to be.
'Gift Economy' Websites
We all love a deal, and it doesn't get much better than free. There's a growing number of neighborhood free exchange apps and websites out there, which are helpful whether you're looking for stuff or getting rid of it.
Practicing mindfulness can benefit many aspects of life, including our relationship with food. For some, mindful eating may help with overall health and fitness goals. For others, it may contribute to more eco-conscious food choices. Mindful eating can make everything from grocery shopping to cooking to eating a more satisfying experience.
Here are some aspects of mindful eating that you may find helpful. Keep in mind that this practice is about paying attention to our body’s relationship with food but not about judging or criticizing ourselves for that relationship.
Adoption of mindful eating practices may be challenging for anyone who has ever struggled with diets or eating disorders, so it’s essential to keep in mind that some people may need professional help incorporating mindfulness into their healthy lifestyle. If you or someone you know struggles with an eating disorder, the phone number for the National Eating Disorders Association Helpline is 1-800-931-2237.
www.rudyperkinsrealty.com
Please Welcome New Clients And Good Friends Into Our Real Estate Family...
I want to take a moment to welcome 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!
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:
She brought a chair back with her.
Armchair Travel Quiz
If you love to travel, here’s a guessing game to test your global knowledge.
The City Guesser quiz (virtualvacation.us/guess) features video clips taken in places worldwide—street scenes, monuments, and more—and your job is to guess the location by clicking on a map.
Clues might be obvious (legs of the Eiffel Tower in the background, for instance) or more challenging. The game suggests you watch license plates, shop names, and road signs. You can change the speed as the video moves through a scene, rewind a few seconds to get a better look or restart the video entirely.
Once you guess, the site tells you how close (or far away!) you are.
THANK YOU for reading Rudy Perkins Realty, my 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: My home isn’t selling. What should I change about my marketing tactics?
A: Homes may not sell for various reasons, including your asking price, your home’s condition, and the timing of when you put your home on the market. If you’ve taken it off the market and are looking to try again, interview several different REALTORS® and choose a new one who shares your goals and stands out as a Home Marketing Expert. As a Home Marketing Expert, your REALTOR® should provide you with a dynamic new marketing plan beyond holding open houses and sending out flyers. It should include:
To learn more about how to sell your home the second time, email me at [email protected] and ask for my Free Consumer Report called “4 Tips To Guarantee Your Home Sells The Second Time.” 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 (203) 243-3820. Perhaps I’ll feature it in my next issue!
www.rudyperkinsrealty.com
A $50.00 Gift Certificate?"
Then, be the first person to answer correctly this month's Guess Trivia Question.
Last Month's Trivia Question:
The most common first name among U.S. presidents is James—there have been six. But how many presidents
Had no middle name at all?
a) 3 b) 8 c) 11 d) 16
The answer is d) 16. The first one was the first president, George Washington...
So, let's move on to this month's trivia question.
There are two gems, each synonymous with their color, that both happen to be the same mineral. What are they?
a) Amethyst and Ruby b) Sapphire and Ruby
c) Emerald and Sapphire d) Emerald and Amethyst
Email Me At [email protected] And You Could Be One Of My Next Winners!