July 2019 Serving All of Central MD

Inside This Issue…

• Page 1 - An Irreplaceable Summer

• Page 2 - Wilderness Survival Tips

• Page 3 - MDREPros Hot List!

• Page 4 - Work Towards Your Financial Independence!

• Page 4 - Help Children Gain Perspective

• Page 5 - Laughter Corner

• Page 5 - 4 Reasons To Sell This Summer

• Page 6 - Night Owls & early Birds

• Page 6 - Not Your Usual Safe Deposit Box

Maryland Real Estate Professionals…

Realtors With Exceptional Service For Life!

“Insider Tips For Healthy, Wealthy & Happy Living…”

An Irreplaceable Summer Daniel was a very clever boy who liked school well enough but was happy to be on summer vacation. With July half over, his mom reminded him that he was supposed to be reading every day. She suggested that he take the assigned summer book over to his Grandma’s house and read to her, thinking that it would benefit both of them. A week later, Daniel still had not started his reading. That night, at bedtime, his mother sat on the edge of his bed and asked him three questions: Who won the World Series thirteen years ago? Who is the wealthiest person in the world? Who has been given the Pulitzer Prize in the last five years? Daniel could not answer her. She then asked him a second set of questions: Who is your favorite teacher? What makes Ryan your best friend? What is the best thing about Dad? In answering those questions, Daniel ended up talking with his mom for almost an hour. As she finally tucked her son into bed, Daniel’s mom told him: “Applause dies, awards tarnish and celebrities come and go. However, the people who matter stay with us forever. Appreciate your teachers, love your friends and enjoy spending time with family while they are still around because those are the people who make you who and what you are— they are irreplaceable.” The next morning, Daniel grabbed his bike helmet and practically flew out of the driveway. That fall, when he was inevitably asked to write an essay about what he did on his summer vacation, he wrote about how he spent all of August talking with his Grandma. It was the best vacation of his life.

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Wilderness Survival Tips Could you survive being lost in the woods? People all over watched the news coverage in March 2019 when two sisters ages 5 and 8 survived almost 48 hours alone in the wilderness. According to the girls, who are both comfortable campers and hikers, they survived because they used the survival skills that they had learned from their local 4H club. As soon as they realized that they were lost, they found shelter from a fallen branch, started a fire and huddled together for warmth. They kept up a constant flurry of noise, singing nursery rhymes in the hopes that someone would hear them and stayed positive so that fear wouldn’t get the best of them. The girls followed the four basic tips you should follow if you find yourself lost in the woods. If you have a hiking or camping excursion planned, commit these tips to memory and make sure that any young children in your camping party know them as well: 1.Shelter in place. When you realize you are lost, stop and don’t go any further. Stay where you are and look for a tree, bush or brush that can be gathered to create a barrier against the elements or other areas of the landscape where you can take shelter. 2. Stay warm. It’s always best to have an idea of the terrain and climate you’ll be exploring so you can dress in the appropriate layers of clothing. When you venture outdoors you should be prepared for the elements and have protection in case the weather changes. 3. Be visible and audible. Wear bright clothing to set yourself apart from your surroundings. Carry a flashlight, mirror and other personal objects that you can use to create a signal or mark your location. Bring a whistle or some other item that can make noise and lead help to you. 4. Keep your wits about you. You’ll probably be scared, but don’t allow yourself to panic. Stay positive and mindful of your surroundings and believe that there are people out there looking for you, because someone probably is.

FINANCIAL FOCUS

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This article was written by Edward Jones for use by financial advisor Mat

Tiahrt, Hampstead, Maryland, 410-239-0859. mat.tiahrt@edwardjones.com

Work Toward Your Own Financial Independence Day

Once again, it’s time for fireworks, pic- nics and parades as the nation celebrates Independence Day. Collectively, we enjoy many liberties, but some freedoms can be elusive – and financial freedom is one of them. What actions can you take to help yourself eventually declare your own financial independence? For starters, you’ll want to determine what financial independence means to you. Is it the liberty to meet all your cash flow needs? The freedom to retire comfortably, at the age you choose? The ability to set up the kind of legacy you’d like to leave? If any or all of these things are important to you, consider the following suggestions:

• Liberate yourself from oppressive debts. The cost of living is cer-tainly not cheap, so it’s hardly surprising that so many people in-cur significant debt. Yet, the higher your debt load, the less you’ll have available to invest for the future. Debt might be one of the biggest barriers you face on the road to your financial independ-ence. To avoid piling on too much debt, live within your means. Take steps such as saving for a vacation, rather than putting it all on your credit card, and getting just one more year out of that old car. Look for bargains everywhere – and find out what you can live without. And if you have sizable debts, see if you can consoli-date them and lower your interest payments.

• Free yourself from chaotic investing. The financial markets can be unpredictable – but that doesn’t mean your investment moves have to be chaotic. So, for example, instead of responding to a sudden plunge in stock prices by selling stocks that still may be fundamentally sound with strong growth potential, you might be much better off by holding your ground. And you’ll be in a better position to do nothing during periods of market volatility when you’ve already done something – namely, built an investment portfolio that reflects your goals, time horizon and risk tolerance. With this type of portfolio in place, you’ll be in a good position to overlook the day-to-day fluctuations in the market and keep your focus on your long-term goals.

• Unleash the potential in your re- tirement plan. Your 401(k) or similar employer-sponsored plan is a great way to save for retire-ment. You can contribute pre-tax dollars, so the more you put in, the lower your taxable income, and your earnings can grow tax deferred. (With a Roth 401(k), you put in after-tax dollars, but your withdrawals are tax-free, pro- vided you meet certain condi-tions.) But despite these tax advantages, your 401(k)’s full poten-tial won’t be realized unless you fund it adequately. Try to contrib-ute as much as you can afford each year and increase your con-tributions as your salary goes up. Another way to uncap your 401(k)’s potential is by choosing appropriate investments. Your 401(k) likely contains a dozen or more investment options, so you’ll want a mix that offers the greatest possibilities for growth within the context of your personal risk tolerance.

Gaining your financial independence requires time and commitment. But once you’ve achieved this freedom, you’ll know it was worth the effort. And who knows? You might even want to wave a sparkler or two to celebrate

How Early Farming Affected Language Scientists from the University of Zurich have a theory: the words we use today are heavily influenced by the rise of farming some 6,000 years ago. The scientists working on the study explain that when humans eat tough food, such as game meat, their jaws shift to remove an overbite as they grow up. When they chew softer foods, the overbite remains. Having that overbite allows us to make the “f” and “v” sounds, (called labiodentals) more easily. In other words, having access to softer foods changed how our jaw structure affects speech. Linguists studying the evolution of language have found that labiodentals began to increase around the world over the past 6,000–7,000 years, especially when milled and dairy products became more common due to farming. Computer simulations support the theory, showing that the shift from an edge-to-edge bite to a slight overbite makes it easier to

Help Children Gain

Perspective

Sometimes, a bit of perspective is all that someone needs to overcome conflict in their life. The next time you see a young person you care about struggling with conflict, see if talking it out can help them gain perspective and come up with solutions. Ask them the following and see what comes up in conversation: - Do you dislike the other person? - Do you distrust him or her? - Do you want to “win”? Answering “Yes” to any of these questions may be a signal that they’re overreacting to personal issues.

Maryland Real Estate Professionals

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Provided by: Dan Flavin, Sr. Mortgage Banker, Advisors Mortgage, NMLS 112267, 3545 Ellicott Mills Drive, Suite B, Ellicott City, MD 21043 Dan@1atmc.com 410-935-3528 https://dflavin.advisorsmortgage.com/prequalify

4 Reasons To Sell This Summer!

THANK YOU for reading 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…

LAUGHTER CORNER

Q. What did Rosemary say when Sage proposed to her?

A. It’s about Thyme! *********************************

Q. What is smarter than a talking dog?

A. A spelling bee. *********************************

I was so bored I spent an hour crushing cans.

It was soda pressing. *********************************

I've asked more than 100 women what type of soap they prefer in the shower. The most common answer

is, "How the heck did you get in here?"

********************************* You can tell an ant's gender by

putting it in water. If it sinks, girl ant.

If it floats,… Its a buoyant.

********************************* Alcohol is like a push-up bra

for your personality. *********************************

I considered being a stay-at-home mom until I realized the

kids would be there. *********************************

Q. How does NASA organize a party?

A. They just planet.

What’s Your Home Worth? Find Out Here - www.MDHomesValue.com

Not Your Usual Safe Deposit Box Looking for someplace to hide a precious heirloom? Try some of these quirky places:

• Bookcases. Many bookcases have a few extra inches of space beneath the bottom shelf, hidden behind some molding. Remove the molding and store valuables there.

• Ironing Boards. You can hide important documents between the board and the padding. Also, the hollow area inside the legs (pull off the rubber or plastic pads) can be used to store rolled-up cash or small items.

• Spice Jars. Pour the spice into a bowl, then coat the inside of the jar with glue. Refill the jar, then empty it again. Make sure the jar looks like it’s full of oregano (or whatever you used) and place money, credit cards, or other valuables inside.

• Trash Cans. Place important items at the bottom, then use a liner to conceal them.

• Vents. Your heating and air-conditioning vents can make useful hiding places.

• The Hamper. Nobody likes to dig through dirty laundry... not even thieves.

Night Owls & Early Birds

The early bird gets the worm... as well as other benefits, according to a story on the New York Post website. A survey of sleep habits involving 2,000 people found that self-identified early birds generally make more money, are more likely to work in an office setting, and describe themselves as happy. They’re also more likely to be married with children in their home.

On the other hand, night owls are typically shy and sarcastic, more likely to believe in ghosts and are more often single. Both groups actually sleep about the same amount - seven hours a night for early birds and six hours for night owls. However, early birds are light sleepers and they tend to feel more well-rested.

Special Order The general manager at a local drugstore overheard a seasoned employee tell a customer, “Hmm. We haven’t had any for quite some time. We probably won’t get any until the end of the month.” The customer thanked the clerk and was headed to the exit when the manager rushed to him and said: “Come back next week. We should be restocked by then. If not, we might be able to make a special order for you.” As the puzzled-looking customer left, the clerk dropped his head in embarrassment. The manager approached the employee. “How many times have I told you not to let anyone walk out of this door without having a reason to come back? Even if it is something we no longer sell, give them a reason to come back. Now what was this customer asking about?” The employee looked at his boss. “Rain.”

Unique Vacation Ideas

Thinking of taking a summer vacation? Check out these top trends for vacation plans! • Unique accommodations, including RVs, castles, luxury tents, islands and treehouses. • Hotels with unusual offerings such as art classes for

guests, outdoor showers and pet-friendly accommodations. • Food tours of a particular region or type of cuisine with personal instruction from a local chef so you can duplicate delicious dishes when you get back home. • Wellness vacations with limited access to technology, a focus on personal nutrition rather than indulgence and scheduled time with a personal trainer. • Packages that promise a new skill such as learning how to surf or a few weeks dedicated to a language immersion program.

What’s Your Home Worth? Find Out Here - www.MDHomesValue.com

The Thirsty Trio A man was wandering through the desert with his horse and his dog. After several hours under the heat of the sun, the dog sat down and said: “That’s it. I’m not taking another step until I get some water.” The man gasped and said: “I didn’t know dogs could talk.” The horse looked at the man and says, “Me neither.” Summer Pie

Nothing says summer like a berry pie! You might want to bake this in the cool hours of early evening and enjoy it warm as a late-night snack. Ingredients: Pie Crust: 2 1/2 cups all-purpose flour plus extra handful 1 teaspoon salt 2 tablespoons sugar 2 sticks unsalted butter 6-8 tablespoons ice water Pie Filling: 4 cups fresh berries 3/4 cup sugar 1/4 teaspoon salt 1/2 teaspoon cinnamon Directions: Preheat oven to 375 F or 190 C. Make pie crust by mixing all dry ingredients, then adding butter until the mixture resembles cornmeal. Slowly add ice water, one tablespoon at a time until just blended. Gather dough into a ball, roll out onto the extra handful of flour and form into a pie pan. Loosely mix all the ingredients for the pie filling, then pour into crust. Bake for about 50 minutes or

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 2019 Maryland Real Estate Professionals w/ REMAX Realty Plus. This information is solely advisory, and should not be substituted for medi-

cal, legal, financial or tax advice. Any and all decisions and actions must be done through the advice and counsel of a qualified physician, attorney, finan-

cial advisor and/or CPA. We cannot be held responsible for actions you may take without proper medical, financial, legal or tax advice.

What’s Your Home Worth? Find Out Here - www.MDHomesValue.com

Go to

www.mdrepros.weebly.com/funday-monday.html Or write Mark@MDREPros.com

And enter the correct answer for this months contest!

What unique luxury was afforded to the inmates of the maximum security prison

at Alcatraz?

A. Video Game Console B. A Pet Parakeet C. Steak Dinners D. Hot Showers

Look How Amazing Your Brain Is!

Here’s an interesting experiment in brain function, sometimes used to test if a person has mental deterioration. Warning: if English is not your native tongue, you may naturally have problems with this exercise. I cdnuolt blveiee that I cluod aulaclty uesdnatnrd what I was rdanieg. The phaonmneal pweor of the hmuan mnid, aoccdrnig to a rscheearch at Cmabrigde Uinervtisy, it dseno't mtaetr in what oerdr the ltteres in a word are, the olny iproamtnt tihng is that the frsit and last ltteer be in the rghit pclae. The rset can be a taotl mses and you can still raed it whotuit a pboerlm. This is bcuseae the huamn mnid deos not raed ervey lteter by istlef, but the word as a wlohe. Azanmig huh? Yaeh and I awlyas tghuhot slpeling was ipmorantt!

Why did the physics teacher break up with the biology teacher? There was no chemistry.