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Todd Wardle's...

Service For Life! ® Insider Tips for Healthy, Wealthy and Happy Living

Inside This Issue... Learn How To Organize And Get Things Done... New Protections Make Gift Cards Better... Fun Facts and Laughs:  Most Expensive Zip Codes,      Free "Smartness" Quiz, And More... Trivia Challenge: Win Free Movie Tickets For Two Real Estate Q&A: How do I know if my home is underinsured?

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Todd Wardle Phone: (208) 322-8638 Email: Todd@FindIdahoHomes.com www.FindIdahoHomes.com

Dear Friend... Are you overwhelmed by everything you have to do, especially around the holidays? Today's Service For Life! ® Free consumer newsletter features a time management system from "Getting Things Done" – a best-selling book by productivity expert David Allen that will help you get organized and be more efficient. Plus, you'll learn why gift cards are now better to give and to receive, along with a trivia challenge, jokes, and lots more. Enjoy your issue, and please feel free to call me whenever a friend, family member or neighbor needs a caring, competent real estate professional to help with buying or selling. To health, success and laughter in your life! Todd Wardle Todd Wardle, REALTOR® PS.  If you're thinking of selling your home soon, and you'd like important tips and strategies for getting a fast, top dollar sale, be sure to ask for my Free Consumer Report called "Secrets For Selling Your Home For Top Dollar". To get your copy, send me an email at Todd@FindIdahoHomes.com, or call me at: (208) 322-8638

Today's Brain Teaser . . . Which of these metals is the best conductor of heat and electricity:   titanium, gold, silver or platinum?   (answer below)

Learn How To Organize And Get Things Done . . . Do you feel like you're always working to keep up, but don't really get anything done, especially around holidays? In his best-selling book Getting Things Done, David Allen gives you an effective time management system to help you organize your stuff, your work activities and your personal life. Allen's key idea is to start with a "mind sweep" – get everything out of your head and down on paper (or other written form). Once your mind is cleared, your productivity goes up and you can focus on creative action. His five basic stages of mastering your personal or professional "workflow" are: Collect. Capture anything and everything that is on your mind. Process. Decide what each thing means. Is it something you should do? Do it now or later? Can you delegate it (and track on a "Waiting For" list)? Organize. Place the items in categories, such as Projects, Calendar, Next Actions and Waiting For, and sub-categories of your choice. (To help you visualize this, he includes a diagram for navigating through the processing and organizing phases of your workflow.) Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current. Do. Make choices about your actions based on what you can do, how much time and energy you have and your priorities. Another one of his most popular methods is the "two minute rule." If any task can be completed in less than two minutes (for example, a quick email response), do it immediately. Stop putting those little things off. Allen says Getting Things Done is "just advanced common sense." But once you learn how to get everything under control, real change begins. Millions of people around the world have found that his methods work. To preview the contents of "Getting Things Done" or order the book, go to: www.amazon.com.

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Feeling Scrunched In Your Current Home? Maybe you just had a child and you need more space. Or have that nagging claustrophobic feeling. Or maybe you just need a positive change in your environment. Either way, I can help. My service programs can help you find the perfect home. It's easier than you think. Just send me an email by clicking here, or call me at: (208) 322-8638. My promise: there's never any pressure or hassle – I'm here to help!

New Protections Make Gift Cards Better... You may have hesitated to give gift cards last year because of the confusion over fees and expiration dates. Now they're better to give – and receive – because new protections went into effect in the U.S. in August. Here's what you should know: The gift card must be good for at least five years from the date of purchase. Money added must be good for five more years. If the card expires and there's unspent money, you can request a replacement card at no cost. Fees are limited and must be disclosed on the card or its packaging. Note: You can be charged a fee if you haven't used it for at least a year. Rules affect store gift cards and cards with a MasterCard, Visa, American Express or Discover logo. Some other types of prepaid cards aren't included. New rules don't apply to cards purchased before August 2010. So if you have some sitting in a drawer, be sure to read the documentation that came with them. Look for fees for "dormancy," "inactivity" or "maintenance." To make the most of a gift card, use it right away. If you aren't going to use it, give it to a friend or swap it on a web site like www.plasticjungle.com.

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Here's A Free, Valuable Resource... If you'd like to receive a Free List of gorgeous homes, personally researched to meet your individual requirements (with no obligation whatsoever), please call me at (208) 322-8638.

Fun Facts and Laughs . . . What Are The Most Expensive Zip Codes To Live? . . . Forget 90210, Forbes says America's most expensive zip code is 91008, Duarte, CA, a suburb northeast of downtown Los Angeles. The median cost of a house there is $4,276,462, making it the most expensive housing market in the country. Number 2 is 94027, Atherton, CA, followed by 90274, Rolling Hills, CA, and 07620, Alpine, NJ. Think You're Smart? Try This Free Quiz . . . You might want to join Mensa, the international high IQ society with members from over 100 countries. Membership is open to people who score within the upper 2 percent of the general population on an approved intelligence test. Take a practice quiz at www.mensa.org Have A Laugh . . . Long ago, when people cursed and beat the ground with sticks, it was called witchcraft. Today it's called golf!

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!

Trivia Challenge for the Month... "Who Else Wants To Win Movie Tickets For Two?" Last month's Trivia Question? . Who is the richest person in the world a) Warren Buffet   b) Bill Gates    c) Carlos Slim Helu   d) Mukesh Ambani The answer is c) Carlos Slim Helu. According to the 2010 Forbes list of world's billionaires, the Mexican tycoon, who owns a huge stake in American Movil, has a $53.5 billion fortune. That puts him ahead of Bill Gates, who comes in at $53.0 billion. So, let's move on to this month's trivia question. Who was the first baseball player featured on a U.S. stamp (in 1982)? a. Babe Ruth b. Roberto Clemente c. Lou Gehrig d. Jackie Robinson EMAIL ME AT: Todd@FindIdahoHomes.com  OR Call Me At (208) 322-8638 And You Could Be One Of My Next Winners!

Brain Teaser Answer: Silver is the best metal conductor of heat and electricity!   But because it's expensive, it's used primarily in the manufacture of mirrors, jewelry and coins.

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 do I know if my home is underinsured? A.  The Insurance Information Institute recommends the following: It's a good idea to insure your home for the cost of rebuilding it. Check your homeowners' policy to see the maximum amount your insurance company would pay if it had to be rebuilt. Find out what it would cost to rebuild your home. Your insurance agent can calculate rebuilding costs for you or you can hire an appraiser (call or email me for references). Make sure your insurance agent knows about all improvements you've made, such as a deck or larger kitchen. Make sure the value of your policy is keeping up with increases in local building costs. Many policies include an inflation guard... if yours doesn't, consider purchasing one. Find out if you have a "replacement cost" policy for your house. If you own an older home, you may have a "modified replacement cost" policy. For the contents of your home – find out whether you have "replacement cost" or "actual cash value" insurance. Check the limits on certain personal possessions, such as jewelry. Consider buying an "endorsement" to insure valuables separately. If you have any questions, or need capable and trustworthy representation, please email me at Todd@FindIdahoHomes.com.

THANK YOU... for reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them...

You received this email because you requested it, are on the mailing list as {EMAIL_ADDRESS}, or a friend forwarded it to you. Disclaimer:  The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical and 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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Copyright (c) 2010 by Todd Wardle