Service For Life!

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Ginny Stopa's...
Service For Life! ®
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue...
  • Is It A Cold Or The Flu, And What Should You Do?...
  • How To Turn Unused Gift Cards Into Cash...
  • Fun Facts and Laughs: Take The Perfect Nap, Best Time To Drink Coffee, And More...
  • Trivia Challenge: Win $25 to Logan's Roadhouse
  • Real Estate Q&A: How Can I Net More Money Selling My Own Home?
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Ginny Stopa Ginny Stopa
RE/MAX By The Bay
Phone: 251-621-2588

Dear {FIRST_NAME|Friend}...

Have you heard the old adage to ‘starve a cold and feed a fever’ (or is it the other way around?). In this month’s Service For Life!® Free consumer newsletter I’ll give you symptoms to know if you have the cold or the flu, and what you should (and shouldn’t do) do if you get either one.

You’ll also learn how to turn unused gift cards into cash, the best time to drink coffee, and three helpful apps for first aid – plus fun facts, a trivia challenge, and lots more.

Ginny Stopa

Ginny Stopa, REALTOR®
RE/MAX By The Bay

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 looking to buy or refinance and you can tell them about my Free Consumer Report "7 Secrets For Saving Thousands When Financing Your Home." You'll be a hero because they'll learn 17 questions to ask any mortgage lender to get the right financing for their needs. To request a copy for a friend, simply email me by clicking here.
Today's Brain Teaser . . .
If nine-thousand nine-hundred and nine dollars
is written as $9,909, how should twelve-thousand
twelve-hundred and twelve dollars be written?

  (see answer below)
Is It A Cold Or The Flu?
You feel lousy. Does it matter whether it’s a cold or the flu? Yes. It’s important because the influenza virus can have very serious complications, such as pneumonia, and can be deadly. While both colds and the flu are caused by viruses that produce some of the same symptoms (sore throat, headache, nasal congestion), there are some definitive symptoms you should look for. Ask yourself these questions:

Do I have nasal congestion, a stuffy nose or frequent sneezing?
Do I have a runny nose with thick discharge?
Do I have a moist cough?

If your symptoms are from the “neck up” and come on gradually, it’s probably a cold, caused by the rhinovirus or more than 200 other viruses.

Do I have a high-grade fever (102 degrees or above)?
Do I have chills, extreme fatigue, muscle aches, and pains?
Do I have difficulty breathing or shortness of breath?

If your symptoms come on suddenly and your body feels weak and tired, it may be the flu.

What You Should (And Shouldn’t) Do...

If you have a cold:
  • Rest and drink water, juice, broth or warm lemon water with honey to loosen congestion and prevent dehydration. Avoid alcohol, coffee and caffeinated sodas, which are dehydrating.
  • Eat chicken soup. Even the Mayo Clinic says it might help by acting as an anti-inflammatory and speeding up the movement of mucus.
  • Gargle with salt water (1/4 to 1/2 teaspoon salt dissolved in an 8-ounce glass of warm water) to temporarily relieve a sore throat.
  • Try an over-the-counter medication to ease your symptoms, but read the labels to make sure you don’t overdose on acetaminophen (Tylenol).
  • Don’t take antibiotics (they attack bacteria, not viruses). If your symptoms don’t improve after a week, however, you may have a bacterial infection that could be treated with an antibiotic.
  • Use a saline nasal spray to rinse the virus out of your nasal passages.
  • Put a humidifier in your room. Cold viruses thrive in dry conditions (that’s why colds are more common in winter).
  • Consider herbal remedies like Echinacea, vitamin C and zinc (some people have great success), but talk to your doctor first.
  • Don’t believe the adage “starve a cold, feed a fever” or vice versa. There’s little scientific evidence either way works.

If you have the flu:
  • Try to avoid it in the first place by getting a flu shot. The U.S. Centers For Disease Control recommends that everyone over six months of age be vaccinated annually.
  • Get to a doctor fast. He or she can take a nasal or throat swab to see if you test positive for the flu. Prescription anti-viral medications like Tamiflu and Relenza, which shorten the length and severity of the illness, should be taken within 48 hours of the onset of the symptoms.
  • Don’t take antibiotics -- unless you have a complication. If you’re coughing up green phlegm spotted with blood, you may have a bacterial infection and antibiotics could be appropriate.
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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 exclusive report will help you avoid frustrations and costly pitfalls when buying a home. Just call 251-621-2588 anytime, or simply email me by clicking here, and I’ll rush a copy out to you.
Turn Unused Gift Cards Into Cash
If you recently received a gift card as a present, here’s some good advice: Use it as soon as possible. Why? More than $1 billion on gift cards goes unredeemed annually. Gift cards make great presents, but you may receive some you aren’t excited about. If you don’t want the card, you can sell or exchange it at websites like:
    • Sell gift cards worth at least $25 for approved merchants for a percentage of the face value. Receive your funds through PayPal, by check, or in the form of an gift card.

    • Use this worldwide exchange to sell your gift cards for cash and earn up to 92 percent cash back.

  • Choose your own price rather than relying on the website to tell you what percent of the face value you can earn. Review the marketplace to see prices for similar cards.
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Thank You! Thank You! Thank You!
Thank You! Thank You!
Thanks to all of 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 the positive comments and referrals from people just like you. I couldn't do it without you!

Lois & Robert Pote, Tommy & Sharon Cain, Lee & Angela Gayle, Teresa Lyons, Bob Allsman, Shannon Lane
Fun Facts and Laughs

Take The Perfect Nap . . .

To sleep during the day without feeling groggy, time your nap one of three ways:

1. For improved alertness and performance, take a 10 to 20 minute power nap, ideally between 1-4 p.m.

2. If you find yourself sleeping longer than 20 minutes, try to go for a 90-minute nap. This will take you through a full sleep cycle, which aids creativity and procedural memory.

3. Try to sleep less than 45 minutes or more than 90 minutes because if you wake up during the middle of a slow-wave cycle you may feel more tired.

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Best Time To Drink Coffee . . .

Do you have a cup of coffee to wake you up first thing in the morning? Turns out your cortisol levels naturally peak between 8 a.m. and 9 a.m. So have your coffee between 9:30 a.m. and 11:30 a.m., which should give you an energy jolt before your body’s next natural energy spike at noon.

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Useful First-Aid Apps For Apple & Android Devices . . .

Pocket First Aid & CPR – Updated with CPR info from the American Heart Association and includes 34 helpful videos. ($1.99)

First Aid-American Red Cross – Expert advice for everyday emergencies plus you don’t need Wi-Fi to access it. (Free)

GotoAID – First aid for you and your pets plus disaster preparedness ($4.99 for advanced version).

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Have A Laugh . . .

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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 251-621-2588 and I’ll give you all the facts.
Trivia Challenge for the Month...
“Who Else Wants To Win $25 to Logan's Roadhouse?”
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: Lee & Angela Gayle was the first person to correctly answer my quiz question.

What beverage was originally known as “Brad’s Drink”?
a) Coca-Cola   b) Mountain Dew   c) Pepsi   d) Dr Pepper

The answer is c) Pepsi. Caleb Bradford, a North Carolina pharmacist, invented the drink made of carbonated water, sugar, vanilla, rare oils, pepsin and kola nuts at his soda fountain in 1893. He renamed it Pepsi Cola a few years later after the digestive enzyme pepsin and kola nuts used in the recipe. So, let's move on to this month's trivia question.

Which of these contenders did the Oxford Dictionaries choose as the Word Of The Year for 2013?

a) Binge-watch
b) Selfie
c) Bitcoin
d) Twerk

EMAIL ME BY: Clicking Here OR Call Me At 251-621-2588 And You Could Be One Of My Next Winners!
Brain Teaser Answer:
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.  How can I net more money selling my own home?
A.  Here are three important tips:
  • Set the right price from the start. Homes that sell for the most money are priced right when they go on the market.
  • Create a comprehensive plan to market your home. You can target buyers though flyers and open houses, but your home should be listed in the official MLS database by a REALTOR® so more buyers see it and you get a price closer to what you’re asking.
  • Hire an experienced Home Marketing Expert. A REALTOR® who knows how to effectively market your home can net you more money. Plus, they can save you time by assisting you with every aspect of the sale, from pricing your home to coordinating the closing process.
You can learn about these tips and more in my Free Consumer Report called “7 Insider Tips To Net More Money Selling Your Own Home.” Ask me for a copy 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 251-621-2588 or email me by clicking here. Perhaps I'll feature your question in my next issue!
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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.
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