Insider Tips For Healthy, Wealthy & Happy Living

Inside This Issue…

Web Apps That Can Save Your Life…

Page 1

Special Edition – Father’s Day.. Page 2

The Less You Need, The More You Have

How to Keep Kids Safe On The Net…

What is your Home Worth?.. Page 3

Secretly Do Yoga at Work..

Warning signs you’re way over in Debt.

Headline Goofs, Quotes to Live by.

Page 4

Seven Secrets To A Happier Marriage….

How to Battle Ants..

Disappearing Credit Card Rewards

Welcome Referrals with Rewards.. Page 5

Empty Nester: How to Sell Your Place..

Q & A Real Estate Corner:.

Legal Corner.. Page 6 & 7

Explore Government Grants and

Rebates... First Time Homebuyer Tips..

Page 8

JUNE 2015 ISSUE

Brain Teaser…

Name three consecutive days of

the week without using the words

Monday, Wednesday or Saturday. (See page 5 for the answer.)

Service For Life – Newsletter

ESTRELLA FLORES Your Friend and Realtor for Life

Web Apps That Can

Save Your Life

Can a good “app,” or web application you use on your computer,

smart phone, or iPad really save your life? Sounds far fetched until

you read what these apps can do to help you live better, longer and

stronger.

iTriage: This app helps you search for treatments and causes

related to your symptoms. It also can store your health

records and guide you to medical facilities in an emergency.

Go to www.itriagehealth.com and then click on Mobile

Apps.

Pocket First Aid & CPR: With both text and video, this app

walks you through the steps to take when someone is in crisis.

You’ll see what to do for things like bites, bleeding, bruises,

burns or even if the individual has stopped breathing. Type in

Pocket First Aid & CPR at www.heart.org.

Melanoma Self-Exams: Use the app at www.melapp.net to

take a picture of a questionable skin lesion. Within seconds

after tapping on “Check Risk,” the app will provide you with a

risk analysis.

Quit Smoking: Download an app called MyQuit Coach

from www.livestrong.com and quickly be on the path to

becoming a non-smoker. This program creates a personalized

plan to help you set goals, track your progress, and connect to

others who want to quit.

Brain Trainer: Neuroscientists have designed games to keep

your cognitive performance sharp, improve your mood, and

enhance your memory. A good one is called “Brain Trainer”

by www.Lumosity.com on iTunes. This can help prepare

you to think quickly in an emergency to save your life, or

someone else’s life.

The idea of a special day to honor fathers and celebrate fatherhood was introduced from the United States. A woman called Sonora Smart Dodd was inspired by the American Mother's Day celebrations and planned a day to honor

fathers early in the 20th century. The first Father's Day was celebrated in Spokane,

Washington on June 19, 1910. Father’s Day has become increasingly popular throughout North America and other parts of the world over the

years.

DID YOU KNOW? 1. George Washington, the celebrated

Father of Unites States of America, had no children of his own. Researchers believe that childhood illnesses may have rendered him sterile. He did adopt the two children from Martha Custis' first marriage

2. In the underwater world of the seahorse, it's the male that gets to carry the eggs and birth the babies.

3. The Stevie Wonder song "Isn't She Lovely" is about his newborn daughter, Aisha. If you listen closely, you can hear Aisha crying during the song.

4. Roses are the official flower for Father's Day. A red rose is worn in the lapel if your father is living, a white rose if he is deceased.

Any man can be a father, but it takes someone

special to be a dad.” --Anne Geddes

Enjoy your day!

If you are considering selling or simply would like to know your home's present value, I can provide you with a FREE

market evaluation of your home.

To book your "No Obligation" appointment, call me now!

The Less You Need, the

More You Have

The biggest mistake I’ve made in my adult life was convincing

myself that I needed a lot of things.

I convinced myself I needed the latest and greatest cell phone.

I convinced myself I needed to eat out regularly.

I convinced myself I needed new shoes all the time.

I convinced myself I needed nice clothes.

I convinced myself I needed anything beyond a minimal roof over

my head, minimal clothes on my back, water, and food.

Really, in the end, that’s all I need. Water, basic food, basic

clothing, and a roof to keep the rain and cold away for myself and

my family. Everything else beyond that is want.

When I finally realized that the things I actually needed were

incredibly minimal, I began to see how amazingly abundant my life

was. I had friends. I had a husband that loved me. I had reasonably

good health. I had wonderful children. I had a good sense of humor.

I had a solid work ethic. I had the ability to entertain myself. On top

of that, I had a staggering abundance of material things, from

decent clothes on my back to a decent used car in the driveway.

With all of this wealth in my life, why do I need more? Why do I

want more?

After some reflection, I think I would go even further than the

above statement. Simply put, the abundance mentality finds value

in what one already has, while ths scarcity mentality is always

seeking more. The more I look at my own life, the more I realize

that I don’t need very much at all. Then, when I look at all of the

things I do have, I’m stunned by all that I have in my life and I

don’t really feel a need to have any more. In fact, if anything, I feel

like having more would be almost overwhelming.

Some people see that statement as some sort of deprivation. There

is always more out there. Why not acquire it? My feeling is that

instead of just acquiring more, lately, I’m driven to maximize all of

the relationships, possessions, and other things my life already has

going for it. People. Things. Places. Memories. Ideas. Experiences.

Step back and look at your life. Remove just what you need from

that picture – water, basic food, a few changes of basic clothing,

minimal shelter. Look at all that’s left – all of the possessions,

relationships, experiences, thoughts, and other things. That’s an

abundance, one that can provide you with more than you can ever

explore and enjoy.

Source: Early to Rise

Who Wants To Win A

FREE Movie Pass for 2? You could be the winner -- if you can refer

me a name of someone who is thinking of

selling or buying – and after successful

transaction, you can even WIN a Major

Prize. Ask me for details.

How To Keep Kids Safe On The

Net . . .

Here is a downloadable book to teach

parents how to keep kids safe while

using today’s technology.

Go to www.onguardonline.gov and

search for Net Cetera: Chatting

With Kids About Being Online.

Here are a few things you will find

inside:

• Page 9 – Advice for parents of kids

at different ages.

• Page 18 – Safe screen names to

use.

• Page 20 – Cyberbullying and what

to do about it.

• Page 28 – Mobile phones: texting,

sexting, and GPS dangers.

• Page 35 – Free stuff can crash

computers.

• Page 42 – Privacy protection for

pre-teens.

AMAZING SCRABBLE - A Challenge

to Test your Eyes

DORMITORY:

When you rearrange the letters:

DIRTY ROOM

ASTRONOMER:

When you rearrange the letters:

MOON STARER

THE EYES:

When you rearrange the letters:

THEY SEE

AND FOR THE GRAND FINALE:

MOTHER-IN-LAW:

When you rearrange the letters:??

Woman Hitler

Quotes To Live By

… Real knowledge is to

know the extent of one’s ignorance.

–Confucius

Procrastination is the bad habit of

putting off until the day after tomorrow

what should have been done the day

before yesterday.

–Napoleon Hill

We are what we repeatedly do.

Excellence is not an act, but a habit.

–Aristotle

Are You My Client Of The

Month?

Every quarter, 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.

Our Client Of The Month is:

ROANNE RONDINA

Congratulations Roanne!

Appreciate your making me part of

your real estate goals this year.

Please contact me to redeem a

reward for your business!!

Secretly Do Yoga At Work A crazy day at the office may make you wish you

were at your favorite yoga studio.

Take some time to try this “Do Nothing Posture”…

1. Find a straight-backed chair in the quietest place you have

available.

2. Sit with feet and knees together and the soles of your feet flat.

3. Straighten your back against the back of the chair, with your

head in line with your spine.

4. Rest the palms of your hands gently on your thighs just above

your knees.

5. Sit tall, but relaxed, not rigid.

6. Close your eyes or focus on a spot in front of you with your

head erect.

7. Breathe through your nose with deep, slow, even breaths.

8. Stay in this position as long as you can. 20 minutes is ideal; 5

minutes is realistic. Just one minute can still help calm the

madness.

HEADLINE GOOFS

• Include Your Children When Baking

• Teacher Dies; Board Accepts His Resignation

• Meeting On Open Meetings Is Closed

• Statistics Show Teen Pregnancy Drops Off After Age 25

• County To Pay $250,000 To Advertise

• Lack Of Funds

In Debt? Five Warning Signs You’re

In Over Your Head

Most of us carry some type of debt: mortgage, car

payments, credit cards, or educational loans. How do you know when

you’re carrying too much debt? Most people fall into debt trouble with

impulse buying. Here are five warning signs that you may be in

dangerous debt trouble, and what you can do about it:

• You’re unable to pay more than the minimum payments on your

credit cards.

• You have more than three major credit cards and they’re near the

credit limit.

• You use your credit cards to pay other bills.

• You hide your bills from your spouse.

• You don’t have a savings account.

If you answered “yes” to any of the above warning signs you may

want examine your debt load and set up a realistic budget. If you are

carrying credit card debt, begin by paying down the highest interest

credit cards bills first. Resolve to not use credit cards unless you have

the cash to pay your bill off when the bill arrives; otherwise, the first

step to financial health is to remove the temptation and cut up your

credit cards

************

Marriage is a union. A union of heart, a

union of soul, a union of minds, but wait till

you have to pay those union dues.

Q. Why is marriage like a violin?

A. After all the beautiful music is over, the

strings are still attached.

The success of marriage comes not in finding

the “right” person, but in the ability of both

partners to adjust to the real person they

inevitably realize they married.

Join the Referral Reward Club

HELP Someone You Know Thinking of Buying or Selling their Home by

Introducing Them to My Services. YOU and your Referral will earn

REWARDS!

EARN UP TO $250 WHEN YOU REFER

A FRIEND OR COLLEAGUE,

THAT BECOMES A CLIENT!

Ah...marital bliss...if only it were true. You’re

not married? Don’t stop reading! There’s

valuable information ahead for having healthy

and happy love relationships. This applies

whether you’re the spouse, the boyfriend, the

girlfriend, the dad, the mom, the child, or the

grandparents.

Seven Secrets To A Happier

Marriage

Research shows it’s not the conflict that’s important in relationships,

it’s how you manage the conflict. Here are seven secrets to improving

your marriage...or any relationship that you want to enrich:

Keep Things Positive. If you want a happy relationship, researchers

say you must be good-natured and friendly to your partner. Criticism

and nit-picking are poison to good relationship building.

Follow The 1:5 Ratio. For every negative thing you say or do to your

partner, you must balance it out by saying or doing five positive

things.

Be Considerate and Respectful. Happy marriages and relationships

are based on friendship and respect. Couples who like each other’s

company and respect each other are more likely to stay together.

Don’t Try To Resolve The Irresolvable. There are times in a

relationship that certain issues may not be resolvable. The key is to

accept it and go forward.

Honor Differences. Couples who understand and accept each other’s

quirks and idiosyncrasies are more likely to stay together.

Sometimes It’s Not What You Say, But How You Say It. Ninety

percent of the friction of daily life is caused by the wrong tone of

voice and word choice. Think before you speak. (If necessary, discuss

conflicts while on the telephone, rather than face-to-face.)

Practice Relationship-Building Skills. Many couples think that, for

things to improve, big changes must take place. Actually, making

small changes in ourselves (acts of thoughtful kindness, compliments)

can effect big, positive changes in your relationships.

Remember that marriage is like a bank account—you get out what

you put in...with interest!

Battling Ants? Feed Them

Cornmeal .

Try this poison-free method of

getting rid of ants.

Place uncooked cornmeal or

Cream of Wheat on the ant

pile. The ants will eat it

because it tastes good. Their

bellies will expand and it will

kill them. You're saving a call

to the exterminator and using

a safer method.

Real Estate Corner

Q. How do I make my home stand out in the market without

spending much money?

A. If you want to get offers from buyers, make a great first impression

by improving these potential turn-offs:

Messy Landscaping: Buyers are looking for curb appeal. Take

the time to clean up an overgrown yard.

Nasty Odors: You may not smell some odors in your home

because you’ve become desensitized to them. Ask your

REALTOR® if there are odors (smoke, pet odors) and how you

can get rid of them.

Too Much Clutter: Pack away any items like excess furniture,

personal pictures and nick-knacks. They make your rooms look

smaller and distract the buyer from really seeing the house itself.

Old Paint: A fresh coat of neutral-colored paint is a low-cost

way to make your rooms look new and fresh.

`

Are you an "Empty Nester" who needs a

home for the future? Is it time to

downsize or to move into another home

more suitable for your glorious

retirement years?

Like thousands of others, you may be

discovering that after years of non-stop

child traffic in and out of your doors, toys

on the floor, music floating throughout,

suddenly you can hear a pin drop over

the quiet hum of the refrigerator. Your

rooms are filled with pictures and

memories of this wonderful time of your

life, but there are many empty rooms

gathering dust now that your children

have moved on. The freer years ahead are

exciting ones to look forward to, and it's

time for you to move on as well. If you

find yourself in this situation, you're in

vast and good company. And what that

means is that there are many wonderful

opportunities for you to create this new

chapter in your life . . . if you know

what it takes to get the most out of the

equity you've built up in your current

home.

To help you understand the issues

involved in making such a move, and

how to avoid the 7 most common and

costly mistakes most Empty Nesters

make, a new report called "Empty

Nester: How to Sell the Place You Call

Home" has been prepared which

identifies these issues, and shows you

how to steer clear of the mistakes that

could cost you literally thousands of

dollars.

Whether to move up or

downsize, is complex and

one of the largest financial

transactions you'll make in

your lifetime. It can be

stressful and a lot of

hardwork, but can be an

exciting adventure once

you have a plan for

success.

Call me if you need help,

guidance or assistance!

You can learn more about these and

40 more tips in my Free Consumer

Report called “44 Money Making Tips

For Preparing Your Home To Sell.”

Just ask me for a copy for yourself or a

friend, and I’ll send it right over.

Do you have a question you want answered related to

real estate or home ownership? Feel free to call me at

(905) 949-0070 . Perhaps I’ll feature your question in

my next issue!

Inspecting your home on a

regular basis and following good

maintenance practices are the best

way to protect your investment in

your home. A regular schedule of

seasonal maintenance can put a

stop to the most common — and

costly — problems, before they

occur. Contact me to get a FREE

Guide of Annual Home

Maintenance Schedule.

Time to examine and spruce

up your house.

Empty Nester: How to Sell the Place You Call Home.

Avoid the Mistakes

That Could Cost You

Thousands of Dollars

Non-Driving Car Dangers

DANGER #1:

Trunk Entrapment.

In summer months, children can die if

they are trapped inside the car trunk.

When you leave your car, lock the doors

so kids can’t pop the trunk or get in

through the fold-down seats. Since 2001,

car manufacturers have included an

emergency trunk release. Older cars can

be retrofitted with an inexpensive kit at:

www.aablelocksmiths.com.

DANGER #2:

Service Station Fires.

Static electricity mixed with gasoline

vapors can ignite a fire. The Petroleum

Equipment Institute warns that starting to

pump gas, followed by getting in and out

of the car, and then touching the gas

nozzle is a common way to ignite a fire.

See a video at: www.pei.org/static.

If you get in and out of the car while the

gas is pumping, touch metal on the

outside of your car to discharge any

potential static electricity. If a fire starts

while fueling, don’t try to remove the

nozzle. Call for help. …

Legal help for everyone!

Legal Line exists solely to

give you the legal answers

you need and help people

make informed decisions. By

knowing the law, you have the

tools to help you work-

through life's real issues.

Millions of Canadians have

already benefitted from the

information contained on this

website, from books and

through the Legalline 24 hour

telephone information line.

Legal Line is kept current by

over 400 lawyers, judges and

other professionals.

It is Globe and Mail’s

consumer’s Choice for

Best Legal Resource.

`

Go to www.youtube.com and type in

“askthebuilder” for how-to videos on

simple procedures, like replacing a

faucet or a light fixture and many

more.

Check their website here.

http://legalline.ca

When you acquire a property or land, you

pay land transfer tax to the province

when the transaction closes. Land

transfer tax is normally based on the

amount paid for the land, in addition to

the amount remaining on any mortgage or

debt assumed as part of the arrangement to

buy the land.

Online Video Tutorials For

Home DIY Projects.

JUST FOR FUN!

Need help Moving?

Consider these!

Value of Consideration Percentage

$55,000.00 or less - 0.5% of the purchase price

Over $55,000.0 - 1% of the purchase price, less $275.00

Over $250,000.0 - 1.5% of the purchase price, less $1,525.00

Over $400,000.0 - 2.0% of the purchase price, less $3,525.00

If the subject property being purchased is in the City of Toronto, there is

an additional Land Transfer Tax payable to the City of Toronto.

Do you have any legal questions about anything (not just real estate but

also about Family Law, Consumer, Criminal, Legal Aid etc. But these

questions remain un-answered because you do not want to spend on

lawyer cost? Look no further! There is a website called Legal Line.

Legal Corner

How do I calculate Land Transfer Tax?

Ontario Land Transfer Tax is payable at the time of registration of your

transfer and is based on the consideration paid for your property. Ontario

Land Transfer Tax is calculated as follows:

THANK YOU for reading my Service For Life!® personal newsletter. I hope you will find these series of

messages both informative and beneficial. Please do not hesitate to contact me anytime should you need my assistance in achieving your real estate goals.

AND…whether you know of someone thinking of buying, selling or financing real estate, I’d love to hear from

you…Thanks for keeping me in mind with your referrals… and spreading the word about my services.

DID YOU KNOW…….

That in my goal to service my wide variety of clients, I can help you not only with Resale

Houses, but I have now added in my real estate portfolio to include:

•New Homes and Condos •Commercial & Investments

•Relocation and New Immigrants •Green Real Estate Program

•Landlord, Tenant & Senior Housing •Guaranteed Sale Program

I would be happy to assist and guide anyone wishing representation in the above category.

Please feel free to contact me when you are ready!

FOR A LIMITED TIME OFFER,

When you BUY & SELLL or INVEST with me,

GET A FREE CRUISE FOR 2 TO BAHAMAS!

Start packing for your Dream Vacation! Contact me for details.

Government of Canada programs

for Buyers

There is a onetime Federal Tax credit for

first time buyers called the Home Buyer

Tax Credit (HBTC) which is a $5,000 tax

credit brought in during 2009.

There are other programs worth checking

out at the Federal level like below:

•The Emergency Repairs program

•The Home Adaptation for Senior

Independence Program

•The Residential Rehabilitation

Assistance Program for persons with

disabilities.

Links to these programs can be found

at my website so be sure to visit it now.

www.estrellafloresrealestate.com

Email me at leistar@homeuown.com

4312 Village Center Centre Court, Mississauga,ON L4Z 1S2

Visit my website for more info www.estrellafloresrealestate.com

Call or Text me Anytime! Bus: (905) 949-0070 Cell: (647) 993-2350

If you’re planning to buy a home

in the next 6 months, you’ll want

a copy of my FREE BUYER

REPORTS consumer guide, with

tips on how to get financing, low

downpayment, etc.. My exclusive

report will help you avoid

frustrations and costly pitfalls

when buying a home. To get a

copy, simply call me at.

ESTRELLA FLORES Your Friend and Realtor for Life