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Is Buying Income Property A Smart Investment?

Posted on: October 22nd, 2018 | By Cliff Keith | Blog, Buyers Tips, Saturday Buyers Tips - Real Estate Know-How For Home Buyers | No Comments

Is Buying Income Property A Smart Investment?

Is Buying Income Property A Smart Investment?

Everyone seems to want a home they can call his or her own. Their homes come in an array of forms and styles. And the personal characteristic of a home is as vast as the imagination can possibly conjure up.

That being said there is also an other type of property that can bring a personal and financial benefit to its owner. And maybe more than the traditional Redwood City single-family home. That type of property is called income property or sometime referred as investment property. These properties come in many sizes, but for most individual investor of real estate they are; duplex, tri-plexes, and four-plexes.


Here are: Five Good Reasons For Buy Income Property.

  1. Today’s rapid real estate market makes it very difficult to purchase a single-family home (SFH) without stiff competition. However, buying income property like a duplex will produce a steady steam of monthly income for you.  Additionally, most people want a single-family home making the competition not as fierce when purchasing income property. There is a lack of people wanting to purchase income property over single-family homes. This in turn lowers your risk of over-paying for your new home. Likewise repair costs are less when you compare the costs of a single family home.  If you should lose income for any reason like loss of a job, you will still have income from rents you collect. Making it easier to pay your expenses.
  1. Income properties such as a duplex or triplex will eventually pay for its total expenses from rents collected.  It will pay principal, interest, taxes, insurance, utilities, advertising, landscaping, management costs, and more. A payment for the costs of ownership will not come from your personal bank accounts either; instead it will come from the income property account. You will have money coming in every month, year in and year out. Sure the empty unit will cause you loss of revenue, however, after time the rents increases will help off set any of your expenses.  So any losses will be minimized at worse. And the best part of income property is most expenses are a tax write-off! This is not true for single family home you live in.

Rewarding home-ownership:

  1. When you own multi-family residence they tend to be easier to manage and keep up. They are all in one location than say many single-family homes. Single family homes would be scattered in different directions from each other. Even if you build your own multi-family residence the costs are cheaper than the same number of individual single-family homes.
  1. If you offered features like washing machine and clothes dryers to your multi-family residence you would receive an another steam of income. (Only your imagination is holding you back from coming up with other steams of income.)
  1. Banks look favorably on multi-family residences because you will qualify for a loan and they will approve your loan quickly. Taking into consideration a portion of the rents as your qualification requirements banks view your ownership as a viable business which generates income. They know after time has passed the property will start repaying the debt by itself.

Is Buying Income Property A Smart Investment?
Low inventories and higher rents

As you may understand owning income producing property has many benefits. My favorite benefit is the passive income it gives. More importantly is this income shows up during the homeowner’s golden years of retirement. This is when you will need it more. Social Security may NOT be available to future Americans and passive income is a great work-around it that should come to be.

It you are having a difficult time finding a single-family home to purchase may I suggest you investigate the opportunities of owning income properties. You may find many other benefits that will help you. I think you will be glad you did.

 


#rentalproperty #investmentproperty #realestateinvestments #positiveincome

How the Californian Sun Can Boost Your Home’s Value


How the Californian Sun Can Boost Your Home’s Value

How the Californian Sun Can Boost Your Home’s Value
Painted Sisters

$18,324 is the average added value to a midsize Californian home, when a simple 3.1kW solar panel system is installed. By relying on the San Francisco sunlight, you can provide future residents with unlimited free energy. This will make their living costs cheaper and daily lives more convenient. Many house hunters want to reduce their carbon emissions, both for financial and environmental reasons. However, they don’t have the time or knowledge to install complicated systems themselves. Do this before you put your home up for sell…  help your property stand out against the competition.


Why is San Francisco Sun So Valuable?

Although California is not the hottest state, it is rare for temperatures to drop below the mid-60s at any time of the year. this means that there is no shortage of sunlight from which to extract energy. While States outside of California may struggle to receive enough sunlight in the winter months, San Francisco doesn’t have this problem. This makes it one of the best places to introduce renewable energy to your property.
There is also present a sense of urgency surrounding the current climate change in the San Francisco Bay area. So homeowners are searching of way to make their homes so they have lower carbon emissions. 40% of Americans live in high-population-density coastal areas, where any rise in sea level can cause shoreline erosion, flooding and depleted storm protection. San Francisco is one of the key areas where homeowners are looking for environmentally friendly property solutions. Something that is pleasing to the eyes and easy on the pocket-book.
Furthermore, San Francisco is considered one of the most liberal cities in America, where belief in and concern for climate change is one of the highest in the nation. People here are forward thinking and they want their home to reflect that belief. Installing solar panels is not easy nor is it inexpensive. But homeowners will do the hard work it takes to have solar installed to improve their daily lives. A side benefit is future home-buyers will begin to demand solar powered homes in the future, which equates to higher selling price for home-sellers. 

How Much Value Does Solar Add?

There is no doubt that you will gain financially by switching to solar, but the exact amount will vary depending on the size and nature of your home. However, it is estimated that for every $1 you save on energy bills, you are adding $20 in value to your home. Larger homes tend receive a higher cash value to boost to their property value when solar panels are installed, but smaller homes will usually experience a greater increase in value in terms of percentages.
In order to get the most out of your environmentally friendly home, invest in the highest quality equipment. This will be the most efficient, meaning you get the most energy at the lowest price. It will also last longer and require less maintenance, which keeps future costs to a minimum.
I’ve installed a 6.1 KW solar system in my 2600 square foot home with a pool. Last month my PG&E Electric bill was $14.95. I have figured it will take 5.1 years to recoup my investment of $20K at the current rate. I have one year under my belt so there’s only 4.1 year left before I start making money off my 25-year solar system. What do you think is that a good Return On Investment (ROI)?
No San Francisco home is complete without energy efficient considerations. Putting solar panels on the roof of your property lets viewers know that this is a home that is not only inexpensive to run. It is also a place which is doing its bit for climate change. In a progressive area where there are San Francis Bay Homes, it demonstrates I care about the environment. By using the Californian sun to shine value on your property I have accomplished pride of ownership, social conscientiousness, and proper management of my investments. You can too.

Is Fatherhood Dead?

Posted on: June 15th, 2018 | By Cliff Keith | Holidays | No Comments

Is Fatherhood Dead?

Is Fatherhood Dead?
I love Dad

What breaks my heart today is how fathers are perceived by many people as being inconsequential. The press rarely speaks about fathers except in a negative light. Fathers aren’t presented as a necessary element to the family unit. Even though governmental studies have shown how important a father is to a family. Even parenting groups have many articles on the important role of fathers in a family.

If you see an ad about families on television, it usually depicts a woman with her children and the father is nowhere to be found in the ad. I understand that traditionally the mother is the anchor who spends the most time with the children. However, I am led to believe by these ads that fathers are rarely present. Implying to me that fathers don’t have concerns about the welfare of their children. It’s a crying shame. It’s a shame we have been conditioned to believe it really only “women’s work” when it comes to our children


Madison Avenue, But Once A Year for Dad

I understand that Madison Avenue targets mothers because they are the buyers of most products. Especially those ads geared towards children and family needs. But as obvious or subtle as these images without dads may be, I think they give us skewed views.  Father’s roles are importance in some cases that benefit the family.

When was the last time you saw a prime-time television ad with a father being represented as a competent part of his family?  Dads in commercials are typically portrayed as drinking beer, burning food on the barbecue, incapable of sorting laundry, making a mess in the kitchen. Then fathers are seen freaking out when the teenager asks for the car keys. Any household chore is viewed as turning a small fix-it project into a home disaster. And on TV sitcoms, Dad are almost always played as a doofus whom the rest of the family constantly make fun of him! Did you EVER do that to your Dad?


Even Book Covers

Is Fatherhood Dead?
Son with Dad

 

I was once asked to comment on a book cover that was supposed to depict a family and education. It had a colorful illustration that readily conveyed the image of a family. One thing was missing, there wasn’t any father on the cover – only a Mother and two children. My comment was, “Where is the father?” The publisher changed the cover to include a dad. However, the idea that it was acceptable to release a family education book without including a father is a sad commentary. Yet this is the common perception of the family unit by many.

The positive depiction of a family with a competent, caring father is missing from our culture today. Is that okay with you?  Maybe boycotting products and programs that depict fathers as irrelevant idiots would be the best gift for Father’s Day. I know I would appreciate it.  You may also conversely, support companies that get it right. IMHO if we insist on the portrayal of a responsible, nurturing father who has his family’s best interests at heart, possibly more families (and by extension, humanity) will be better served. Is Fatherhood Dead to you? Is it time to include Dad in our family? Yal I know some are saying, but dad is a jerk. And that may be true and will have to be dealt with on another post.

Happy Father’s Day!

 

Before You Sell Your Home Here Are 10-Top Secrets


Before You Sell Your Home Here Are 10-Top Secrets

Before You Sell Your Home Here Are 10-Top Secrets
Put your gloves on

Prepare before you sell your home.

Before you selling a home here are 10-Top Musts to insure more money, faster sale, and less headaches. You will want to make simple inexpensive improvements that will not only increase your ability to get a top price but make it sell quickly too. Your intentions are to make your home inviting to prospective home buyers so they can see themselves living in your home.

Listed here are 10-top inexpensive ways to fix-up and make your home “pop: to prospective buyers. These are the same Realtor secrets used before putting your home on the market for sale.  These 10-top inexpensive improvements to your home will pay you back 10 times over once an offer is accepted by you.

The 10-top inexpensive things to do:

  1. Paint the front of your house, especially your front door. 
  2. Trim the existing plants around your house, then plant bright eye-catching flowers.
  3. Select an interior paint, which is neutral colors.
  4. Your floors are important so, replace, repair, and make them shine.
  5. Go ahead and use property inspection reports to make the recommended major repairs like the roof or get rid of the recommended pest report’s section-1 items.
  6. Buy a Home Protection Plan (HPP) for your home and all major systems that will be in effect during the listing period.
  7. Make energy-efficient improvements where possible. As a side note you may be entitled to a tax credit.
  8. Replace light fixtures and install low energy bulbs
  9. Buy a new stove for the kitchen (make the buyer happy)
  10. Replace in the bathrooms: fixtures, shower heads, toilet seat.

What To Do Before You Selling A Home

It should go without saying the home shows the best if it has a thorough cleaning. Be sure to get rid of any dust, dirt, cobwebs, mold and smells that are pungent such as cooking odors, pet smells, or mildew.  Hire a maid service is one of the best use of your money. They will come in and do a “white tornado” in only a few hours. Buyers want to see the house as how it may look when they move in. This will save you time and money.

There is nothing like a bright, fresh open air feeling to bring buyers calling with an offer. Only warning is to do these before you allow any prospective buyers in your lovely home. You only have one chance to make a first impression. Make sure buyer’s first impression counts by making a positive one!

Now you’re in the driver’s seat

Once you have completed these 10-top inexpensive secrets to your home, you will be in the driver’s seat. These 10- top secrets will generate a higher sales price for your lovely home in the shortest period of time. More importantly, you will not have to experience the common painful hiccups many home sellers face when selling a home.

By taking a little time and money you’ll return a far greater yield. Usually, there will be fewer seller concessions on “terms” of the sale too. Selling a home is a process. It is not an event like the Super Bowl. That is why a homeowner is better off by following a step by step plan to make sure their home shines for prospective buyers who walks through the front door.

What to do now?

Before You Sell Your Home Here Are 10-Top Secrets
Call Cliff 650-346-7366

If you would like to discuss these secrets in more detail. Find  out how you can be ahead of the game prior to placing your home on the market for sale. Here are 3 easy steps to take, 1. take out your cell phone, 2. look up my number (hint 650-346-7366), and 3. call me immediately. Together we will figure out what is the optimal way for you to get the best advise available. That way you may make an intelligent decision how best to sell your home.


#SFBayHomes.com #SFBayHomes #San MateoCounties #Homesforsale #housessiliconvalley #secretstosellahome #smarthomeseller 

Memorial Day Celebration at Union Cemetery

Posted on: May 28th, 2018 | By Cliff Keith | Holidays, Redwood City History | No Comments

Tradition for families to start their summer.

Memorial Day Celebration at Union Cemetery is celebrated annually. It is considered to be the end of the public school year. It’s viewed by many as the start of the summer season.  An educational activity on Memorial Day would be going to Union Cemetery. There you’ll be able to take part in this years celebration. All ages are welcome to this annual event.


Redwood City, CA:

Every Memorial Day at 10:00 AM, The Archives Committee of the Redwood City Public Library sponsors their annual Memorial Day celebrations. It is held at the Union Cemetery. Union Cemetery is located on Woodside Road by the El Camino Real over-pass. The Celebration honors the veterans who have fallen for their Country from all the past American Wars. It is the celebration for those who gave the ultimate sacrifice, their lives, so we could enjoy our freedom.

Additionally, this celebration will have honor guests, dignitaries, and noted speakers. If you want, docents give guided tours of the cemetery. Tours are done usually before the Celebration begins.


Memorial Day Celebration at Union Cemetery
Union Cemetery

One of the highlight of Union Cemetery is the bronze statue of a Union Soldier. During the 1970’s this bronze Union Soldier statue was damaged by vandals. If not, for those few concerned members of Redwood City’s Archives Committee, I fear Redwood City may have lost their Historical treasure. Thank you to the men and women who took part in this rescue.


The Archives Committee

The Archives Committee annually sponsors the Memorial Day celebration. It’s held in Redwood City at the Union Cemetery. This celebration is always well attended, so be sure to arrive early or bring a portable chair for yourself.  In recent years bleacher seating have been installed. However, they fill up fast so arrive early if you can.

Also available to purchase is an award winning book entitled, Union Cemetery, by John G. Edmonds. John G. Edmonds a well know Historian in Redwood City. He has attended many Memorial Day celebration at Union Cemetery since he was a child. John’s book is best utilized as a self guided tour for Union Cemetery. It sells for $20.00. A good value for all it’s content and insight about the history of Union Cemetery.

It’s amazing how many people make it to this annual celebration. Many journey to Union Cemetery on Memorial Day. This includes present and past Redwood City residents. Many others travel from miles afar for this annual event. Wouldn’t you like to see and experience Union Cemetery yourself? Show up to enjoy and learn about Redwood City’s Union Cemetery, which is on the National Registrar for Historical Places.


Tid-Bits

As a side note, Union Cemetery was established in 1859. The going rate, at the time, to buy a plot was $10. This included membership in the Union Cemetery Association.  Annie M. Douglass was the first grave site in Union Cemetery. She was moved to Union Cemetery from the city grave site. The City grave site for many years was located on the Southeast corner where Sequoia High School sits today. (The corner of El Camino Real and James Avenue.)

Union Cemetery is on Woodside Road at El Camino Real.  Crippen and Flynn’s parking lot next door. As a gesture of community support, Crippen and Flynn allows free parking to those who are attending the celebration. Cost is FREE and it’s an experience of a life-time!


#sfbayhomes #homes #house #redwoodcityca #redwoodcity

 

Memorial Day Celebration at Union Cemetery
USA in Union Cemetery

Cliff’s Notes on real estate… May 2018

Posted on: May 18th, 2018 | By Cliff Keith | Cliff's Notes on Real Estate | No Comments

Sunday Open Houses for San Mateo & Santa Clara Counties March 25, 2018
Cliff’s Notes on real estate…

May 2018

Dear Friend,

May is the gateway to summer. It’s on the cusp of vacation season and that means there are a flurry of plans to be made ahead of your coming adventures. As your May heats up and life get busier, I hope you’ll take a breather to enjoy this month’s newsletter.

This month starts off with a story reminding us how powerful a simple smile can be. That leads to a wide variety of fun information, including:
• Learn how to make perfect caramelized onions, a delicious garnish for homemade pizza, or your first barbecued burgers of the season. Yum!
• A method for tracking the balances on your gift cards.
• Find out how to improve the respect you get from others.
• And see, scientifically, why some colors just make sense together!
• This Month’s Quiz that will challenge the smartest brain! A correct answer could bring you $30 to use at any Starbuck’s.

The pre-summer buying and selling season is also upon us. If you’re planning to buy or sell a house in 2018, then let’s find a few minutes to talk soon. It’ll help you get your plans ready. Just call/email/text so we can get together and make a plan.

Thank you. Don’t forget to enter This Month’s Quiz and give me a call!
Your friend in the real estate business,

Cliff Keith
650-346-7366 Cell/Text
Cliff@SFBayHomes.com

A Mask Of Happiness

There once lived a man who was disliked by everyone in his village. He was surly and bad tempered. Passersby avoided him on the street. He had no friends and lived alone. One day the man visited the village elder to complain about how people treated him.
“I have a solution for all your problems,” the elder said, and he went to a shell and pulled out a common germ mask to cover the mouth. On the mask was printed a smiling face. “This mask may look silly, but it will have a magic effect on people who see it and it will transform your life.” The man sneered, but the elder continued. “All you need to do is wear the mask for one week. Nothing else.”
The man grudgingly agreed. He put on the mask and began the walk back to his home. Along the way, people smiled at him. Some greeted him with a friendly nod. Occasionally someone inquired about his day. At first, he just grunted at them. Then he started to say hello back. At his house, he had a pleasant exchange with his neighbor.

As the days passed, the man grew more astonished by the effect the mask had on others. Because of the mask, the man began to initiate greetings. The neighbor invited him to dinner. For the first time ever, he was making friends.
He returned to the elder to give back the mask. “I have been invited to my neighbor’s house for dinner and I’m worried. I will have to remove my mask and he will see my real face.”
“Tell me, what happens to your real face under the mask when people say hello, and wave, and stop to speak with you?”
The man thought and said, “I smile.”
“How do you feel when you smile?”
“I feel great!”
“Remember this fact when you have dinner with your new friend, and all will be well.”
~ Cliff

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INSIDE THIS ISSUE:

  •  A Mask Of Happiness
     Be Wary Of Travel Scams
     DNA—A New Fad?
     Scientists Track Thoughts Through The Brain
     Perfect Caramelized Onions
     Energy From Temperature
     Keep Track Of Gift Cards
     “Can’t Get No Respect”
     Confirmed: Mess Causes Stress
     70 Is the New 30
     Some Colors Make Sense Together

Scientists Track Thoughts Through The Brain

How does a thought travel through the brain? If you’ve ever wondered that, neuroscientists think they have an answer for you, as reported on the Sci-News website. A team of researchers at the University of California-Berkeley recorded the electrical activity of neurons from the surface of the brain in response to a simple task like repeating a word. They found that the brain’s visual and auditory cortexes were first to react to the word, and then the prefrontal cortex interprets it and supplies its meaning. The prefrontal cortex then coordinates all the other areas of the brain involved in the response.

For a harder task, such as supplying the antonym of a word, the brain takes several seconds to reply, with the prefrontal cortex using other areas of the brain like memory networks. The researchers noted that the brain appears to prepare its motor areas to respond very quickly—even before it knows what the response will be—possibly explaining why people sometimes speak before they think.

May Quiz Question

Q: What is special about this series of numbers: 8591730
Everyone who texts, emails or calls in the correct answer by the last day of this month will be entered a drawing for a $30 gift certificate to Starbucks ______________________

April Question

Q: Which character is the first to speak in the original “Star Wars” movie?
A: C3PO.

Be Wary Of Travel Scams

If you’re planning your summer vacation, here’s some advice about how to avoid travel scams that will waste your money and ruin your holiday:

• Beware of offers that are too good to be true. Be leery of “free” trips or ridiculously cheap prices. If offered a “two-for-one” deal, a “free stay,” or such, make sure to find out what the deal really involves.
• Ask, and ask again. Get as many details as you can about each travel offer. Be sure you fully understand all the terms before agreeing to buy. Ask for specific names of airlines, hotels, restaurants, tour providers, or any other vendor mentioned as part of the package. Ask whether there’s a cancellation policy.
• Get all promises in writing. Consider trip insurance for additional protection, too.
• If you’re asked to pay in advance, ask to pay a deposit instead. Using a credit card is safest because of your right to dispute the charges if the services were misrepresented or never delivered.

DNA—A New Fad?

The number of people who have had their DNA analyzed with direct-to-consumer genetic genealogy tests more than doubled during 2017 and now exceeds 12 million, according to industry estimates.

Genealogy services use DNA to tell people what continents their ancestors are from and to locate family members, including distant cousins.
Last week, the genealogy company Ancestry.com, which is based in Utah, announced that it has tested more than seven million people. The company’s customer rolls exceed those of all competitors combined. The second-largest player, 23andMe, has tested more than three million, followed by FamilyTreeDNA and MyHeritage.

Most of those tested are in the US, suggesting that around 1 in 25 American adults now have access to personal genetic data—-a figure that could spur a range of new genetic analysis services, as DNA becomes a commodity.
For example, the sheer number of people who possess their own genetic data could spur growth in websites that offer to reanalyze it. Companies like Habit and Promethease will use the files to provide a breakdown of people’s diet or health risks–frequently with little oversight from regulators. There’s even a Harvard University lab scheme to link consumers’ genomes to a new cryptocurrency.

Perfect Caramelized Onions

Ah, ever-elusive perfect caramelized onions. Just last year, editors at Food52.com set out to investigate the mythic beast. As they said, it’s not that caramelized onions are hard to come by, it’s just that making the perfect ones at home can prove challenging.

But to see how long caramelizing really takes—and what they look like along the way—the editors caramelized three onions (in 1 tablespoon of butter and stainless steel pans) for 15, 30, and 60 minutes over medium-high heat. Whenever the fond (those caramelized sugars that stick to the bottom) started to build up, they deglazed with a tablespoon of water, scraped up all of the flavorful bits, and started the whole process again.

As they cooked, the onion volume reduced dramatically (after 60 minutes, three onions had turned into about 1/2 cup of deeply caramelized onion goo); the color changed from yellowish orange to a deep auburn; and what was once-astringent and watery turned candy-sweet and butter-soft. With this method, there was no defying time (and no outsmarting patience). But then again, some cooks might consider the 30-minute pan to be caramelized to perfection.

The task of leadership is not to put greatness into humanity, but to elicit it, for the greatness is already there. —John Buchan

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Life grants nothing to us mortals without hard work. — Horace

Energy From Temperature

A team at MIT has created a device that produces energy by exploiting temperature swings between day and night.

Known as a thermal resonator, it uses a hybrid of materials that produce both high heat conduction and capacity. Effectively, one side of the device is always capturing heat while the other is storing it—you just have to harvest that energy with conventional techniques.

The initial device is tiny, and only produces 1.3 milliwatts of power. That’s enough for basic sensors. The device can also be changed to produce energy from other temperature cycles, like those in a refrigerator or a factory.

There are more than a few potential uses, especially if researchers can increase the power output. MIT has envisioned planetary rovers that can keep running for years. Thermal resonators could serve as backups for existing renewable energy: if a solar panel goes down, the grid could still have enough power to broadcast a request for help. It wouldn’t be an infinite source of power by any means, but it would be trustworthy enough that you could leave a device alone knowing that it always has at least some kind of electricity on tap.

“One of the most important universal truths is that to speed up effectively
you must learn to slow down.” ~Michael Gelb

Keep Track Of Gift Cards

Gift cards seem to have become the choice of many gift givers. They’re nice to get, but they can be hard to track. How much money have you spent? How long do you have to use it? Try keeping a gift card log, advises Sound Money Matters website. It can be as simple as a sheet of paper with four columns, listing the store, the amount originally on the card, the amount remaining after one purchase, and the expiration date (if any). For example:

Store Full amount After purchase Expiration
Joe’s Coffee Shoppe $10 $5.25 12/10
Jane’s Books $25 $17.58 Never

Each time you use a card, cross it out and start a new entry in your log until it’s finished. Now you’ve got an easy way to keep track of which cards are still good and how much you can still buy with them.

We live in a society exquisitely dependent on science and technology, in which hardly anyone knows anything about science and technology. —Carl Sagan

Fast Skillet Brussels Sprouts

These days when people think Brussels sprouts, they think about roasting. But what if you don’t want to wait 30 minutes for your sprouts to roast? Here’s a trick to cut the time by two-thirds. Try it tonight! (And by the way, it really is Brussels sprouts, as in “Brussels, Belgium.”)

Use smallish sprouts and start them in a cold non-stick pan. Forget about preheating your pan. Why? Because if you add the Brussels sprouts to a hot pan with hot oil, the outsides will crisp too quickly and the insides will never cook through. When you start them in a cold pan, however, the searing process takes longer and the veggies have more time to get tender. Here’s how you do it:

Add an even layer of halved Brussels sprouts to a nonstick skillet, cut sides down. Drizzle them all over with olive oil, cover the skillet, and place over medium-high heat. Cook until the sprouts are bright green (about 5 minutes), then uncover and continue to cook until the cut sides are deeply golden (about 2 more minutes). Season them off heat and voila! All that’s left to do is eat them. Done in under 10 minutes instead of 30.

Stop Your Phone from Draining Data

Phones can chew through data without you realizing it. Here’s how to reduce data usage:

1. Turn off “push notifications.” Go to Settings > Apps > Open each app and check/uncheck the box that says Show (or Allow) Notifications.

2. Change your Wi-Fi settings. Make sure some services run only over Wi-Fi. Go to Settings > Data Usage > Open each app and check the box that restricts app background data to Wi-Fi only.

3. Turn off video auto-play. Change your settings in individual apps like Facebook and Instagram so videos do not automatically start playing.

4. Data-based text services. If you are not connected to Wi-Fi, try not to use apps like WhatsApp, as it uses data to send text messages.

5. Beware of “free” apps. Free apps can often use up more data than the premium (paid) version, as they generally have more advertisements.

6. Manually close apps. Pressing the Back or Home button to exit apps does not fully close them. Make sure apps that use GPS (maps) and streaming (YouTube, Apple Music, Spotify) are fully closed. Each phone has a different process for this.

One of the most important universal truths is that to speed up effectively you must learn to slow down. — Michael Gelb

“Can’t Get No Respect”

According to Erika Andersen, contributor to Forbes.com, if you want people to respect you, don’t do these things:

Make it all about you: Some people seem to think that if they try to make the conversation revolve around them, others will see them as important and worthy of respect. This is not true and it actually has the opposite effect.

Make it not about you at all: On the other hand, being overly self-effacing doesn’t help, either. Avoid saying things like, “This probably won’t work, but…” or “We might not want to try this, but…” Instead, say “How about if we try…”, or “I wonder if it would be good to…” These sentence starters signal positive willingness, rather than uninspiring pessimism.

Dismiss other people’s ideas: By focusing only on the limits of someone else’s ideas–or how you can improve on their ideas, you’ll drive them away. They’ll avoid asking your opinion or respecting your decisions. No one wants to be constantly critiqued…even if the flaws are glaring or the improvements obvious.

Point out your invisible mistakes: Calling attention to your own flaws because your nervous that they stand out only makes them stand out. You can certainly grimace internally, but keep a calm straight face on the outside.

Send negative messages with your body: This is old news, but your posture conveys your sense of self-respect. If you don’t hold your head up, shoulders back, and look people in the eye, you’re demonstrating not only that you don’t respect them, but that you don’t respect yourself.

Expect respect without striving for it.  Avoid hiding out because of your own insecurities. As hard as it may be, if you back yourself into a corner, no one will invite you out again. You have to participate (while finding the balance between being too much and too little “you” centric) and contribute to gain respect.

Confirmed: Mess Causes Stress

A study carried out at the University of California measured stress hormone levels in 30 couples. Women who described their home environment as chaotic or messy had higher levels of cortisol, when measured at various points throughout the day. Interestingly, men seemed to be less affected by a messy, cluttered home.

Imagine me as your real estate consultant…

What I do for you is invest my time consulting, negotiating, and organizing the details of your transaction because I want you to have a superb experience that will cause you to want to introduce me to the people you care about most.

The purpose of my business is referrals, which means I must bring the type of value that makes you feel comfortable introducing me to the people you know that need my help.
I thank you sincerely, and so will the people you introduce to me.

Cliff Keith

Logic will get you from A to Z; imagination will get you everywhere. —Albert Einstein

70 Is the New 30

As people age into their sixties and seventies, there is an impression that they should have “made it by now.”

Yet there is ample evidence that people may not achieve their life goals until well into their upper years. For instance, “Colonel” Harlan Sanders was 65 when he began trying to license his chicken recipe, launching what would become Kentucky Fried Chicken.

These days, seniors often think less in terms of retirement and more in terms of “what else can I do?”

They’re starting businesses, writing first novels, and building empires—acting much more like tricenarians than septuagenarians.

“Life isn’t about finding yourself. Life is about creating yourself.” — George Bernard Shaw

Some Colors Make Sense Together

Both science and and conventional color wisdom say that colors on opposite sides of a color wheel—complementary colors—look good together in your home decor.

The most common sets of complementary colors are red and green, yellow and purple, and orange and blue, derived from the Red-Yellow-Blue color model. If you use a different color model, you’ll have different sets of complementary colors. For instance, in the additive color model, the complements are green and magenta, red and cyan, and blue and yellow (IKEA, anyone?).

Complementary colors work because different types of cones (photoreceptor cells in your eye) perceive different colors of light. If you stare at a block of color and then quickly look at a white wall, you’ll see a light afterimage in the complementary color. For instance, if you stare at a blue square, after a while the cells in your eye that process blue light will become fatigued, making the signal they send to your brain weaker. Since that part of the visual spectrum is suppressed, when you look at a white wall after staring at the blue square, you’ll see a faint orange afterimage—the complimentary color.

So what does this mean for your decor? It means that combinations of primary and complementary colors are dynamic together. Choose a color model to start with, then pick one of the complementary pairs to decorate with.

When given an opportunity, deliver excellence and never quit. —Robert Rodríguez

Sleep? There’s An App For That

We use apps on our smartphones for all sorts of things, and there are some that will track sleep patterns. In a survey of 934 mobile phone users by the NYU School of Medicine, 28 percent of participants reported that they use a health app to monitor how long they sleep, what time they go to bed, and whether they wake-up in the middle of the night, as well as whether they snore, have breathing problems while asleep, or change positions.

Thirty-five percent of men and 20 percent of women reported tracking their sleep, and the average age of sleep trackers was 34. The most popular apps (of 24 named in the survey) were Fitbit (10 percent), Lose It (3.5 percent), and Apple Health (2.6 percent).

Use Social Media Responsibly

Here are some tips for both parents and children to follow to help create an atmosphere of positive citizenry on social media channels:

• Pause before you press “enter.” You leave a permanent footprint on everything you post, creating the likelihood it can resurface at any time and call your character into question later. Resist the urge to be impulsive, spread gossip, or promote hate.

• Apply the Golden Rule. You are what you post, retweet, and share. Ask yourself these three questions of anything you feel inspired to post: Is it true? Will it cause anyone harm? What is my motivation for posting this?

• Get/Give permission. Before sharing someone else’s photos or content, make sure you have their OK and ask the same of your contacts.

• Review your privacy settings. They are there for a reason—to limit who can access your information and how they can use it. You have locks on the doors and windows of your home to keep unwanted guests out; do the same for your social media profiles and feeds.

• Police the content that appears on your page. Not everyone is mindful of the content they post. Occasionally, that inappropriate material will make its way onto your social media feed, where it can be viewed by your contacts and misinterpreted as something you favor. Don’t hesitate to block contacts and remove posts from your feed if they are offensive.

This newsletter is intended for entertainment purposes only. Credit is given to the authors of various articles that are reprinted when the original author is known. Any omission of credit to an author is purely unintentional and should not be construed as plagiarism or literary theft.

Copyright 2017 Cliff Keith dba SF Bay Homes with Today | Sotheby’s International Realty. This information is solely advisory, and should not be substituted for medical, legal, financial or tax advice. Any and all decisions and actions must be done through the advice and counsel of a qualified physician, attorney, financial advisor

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