Life-Saving Numbers…

Do you know your numbers? You should know and track at least these three to save your life. Blood pressure. Normal is below 120/80. Some doctors say to aim for 115/76 or less. TV’s Dr. Oz adds that you can lower it by losing just 10 percent of any weight you’ve gained since you were 18. Cholesterol. Your total should be less than 200. HDL (good cholesterol) should be more than 40 for men and 50 for women. Optimal LDL (lousy cholesterol) is 100 or lower. Triglycerides should be less than 150. To help lower your cholesterol, add these to your diet: soy-based foods, almonds, grains and veggies. Blood sugar. Fasting blood sugar should be less than 100. One way to help keep yours stable is to switch to whole-wheat pasta. It also contains magnesium, which lowers the risk of diabetes. Know your numbers, and ask your doctor what you can do to improve them.

You are Fitter Than You Think

Blame the media, Photoshop, the feats of professional athletes, or your own unrealistic expectations, but the truth is you’re probably not that out of shape. In fact, you may just be fitter than you think – and I can prove it! You stand and sit. Active people feel the need to get up and move around throughout the day. Getting in and out of a car involves basic squat movements, and you should be able to do this without pain. You constantly carry stuff. Whether you’re picking up and carrying children or shouldering a massive bag to and from work, those pounds add up to a healthy dose of weightlifting! You recover quickly. Take a short jog, try a few squat exercises, or just walk at a steady pace for a while. Are you tired and worn out, or could you endure a bit more? A healthy recovery time is a good indicator of physical fitness. You do household chores. Carrying laundry down the stairs requires balance. Navigating several tasks in the kitchen while avoiding dropping, burning, or falling is proof of coordination and dexterity. You take the stairs. If you can walk or run up and down stairs without feeling lightheaded or out of breath, you’re probably in decent aerobic shape. You crave healthy habits. It’s a good sign if you seek out exercise simply because it makes you feel good. Ditto if you prefer to eat healthily as well just because you want to not because you feel guilty.

Take advantage of low rates - Even with a low down payment loan

Is it possible to purchase a home with a small down payment? Lenders have always offered government backed FHA programs which allow lower credit scores, higher income to debt ratios with 3.5% down aimed at first time buyers. More lenders are also offering a 5% down conventional product with mortgage insurance premiums. Other ways to buy a home with little down include using local or federal government programs, using a tax refund, and asking a relative or friend for a financial gift. Before you do any of the above, consult a professional REALTOR® about your options. A REALTOR® also will provide you with direction and connections to a lender and help you avoid costly traps and pitfalls in the home-buying process. For more information on down-payment options my lender John Porter at Mortgage Master is always available and willing to help at 206-954-8736 or john@mortgagemasterwa.com

Safer Night Driving

When the sun goes down, it’s harder to spot obstacles on the road and the likelihood of encountering a drunk or tired driver increases. It’s little surprise, then, that fatal car crashes are three times more likely to happen at night than during the day, according to the National Safety Council. Luckily, there are several night driving strategies that can help keep you safe.  Increase the distance between your car and the car in front of you. A three-second lead is suggested during the day; at night, you should double this number.  Use lights to your advantage. Turn on blinkers long before you need them and tap brakes as you slow down to alert drivers behind you.  Maintain your headlights. Change headlight bulbs when they are getting dim or have burnt out. Use low beams during fog, and keep headlights on from an hour before dusk to an hour after dawn.  Avoid glare. If a car with bright beams is blinding you, shift your gaze to the right side of the road until the car has passed.

Christmas Light Displays

Ravenna's Candy Cane Lane - Since 1949 twenty-three houses all in a row, adorned with lights, fancy blow ups, Christmas music, sleighs and reindeer are what you will find at this Seattle institution. These 1920's- era Tudors will transport you down memory lane. NE Park Rd at the cross street of 21st Ave NE - 4:00 - 9:30pm. Weekends until 11:00pm. Menashe Family Lights - West Seattleites have long loved visiting this display so iconic it is featured on national television. This year they have scaled it back so it will attract smaller crowds. You are encouraged to drive by and enjoy the display from your car. Next year they will be back bigger and better than ever. 5605 Beach Dr SW - Dusk to 10:00pm. Keener's Christmas Light Display - Award winning Keener's is a north end favorite. You drive through a towering arch and land in the middle of over 500,000 lights for a truly magical effect. They collect donations to support Strong Against Cancer and HopeLink. Drive thru only, no parking or walking. 16504 112th Pl NE Bothell - 6:00-10:00pm. Snoqualmie Winter Lights - The city of Snoqualmie has kicked off their 2nd Winter Lights Festival. Start at the Salish Lodge / Snoqualmie Falls and you will be dazzled by decorated trees and light displays. Be sure to stop in at the main gazebo in town. There are many safe family orientated activates. 5:00 - 11:30pm. ZooLights at Point Defiance - Enjoy the Zoolights tradition with over 700,000 lights and 3-D animal displays with new safety protocols in place. Do not miss the reimagined tunnel of lights and hunt for Sasquatch. Tickets cost $10-$14. 4:30-10:00pm Bellevue Snowflake Lane - Reimagined yet still memorable! They will be missing the parade and performers but stress this is the perfect way to celebrate the season in your car. Enjoy the lights timed to the music, and of course you are guaranteed it will magically snow. 5:00 - 9:00pm

Kind Words - Dale Carnegie

You have it easily in your power to increase the sum total of this world’s happiness now. How? By giving a few words of sincere appreciation to someone who is lonely or discouraged. Perhaps you will forget tomorrow the kind words you say today, but the recipient may cherish them over a lifetime. Dale Carnegie

Make Yourself Indispensable at Work

Did you know that how you dress, speak, work, and act might be sending a message to your boss saying, “When it’s time to cut someone, choose me?” You can make yourself indispensable by avoiding these mistakes, says Ronna Lichtenberg, author of It’s Not Business, It’s Personal: The 9 Relationship Principles That Power Your Career. Here are five tips that can make you indispensable at work: 1. Pitch in when others ask for help. You’ll make friends and allies at work. 2. Strive for excellence not perfection. Be willing to take on a new task. Also, if you make a mistake, admit it and find a solution. 3. Keep an eye on your appearance. Your boss may think your appearance is a reflection of your work. 4. Network with people at your level or people who are in a position to promote you. 5. Take things in stride. Your ideas may be passed over sometimes, but don’t take it personally.

What Your Desk May Reveal About You...

Are you uptight? Controlling? Or are you a free spirit? Your desk and office may reveal a bit about you! University of Texas at Austin researchers had people look at the offices of workers they had never met. Certain character traits emerged...as reported in Psychology Today: • A stylish, and unconventional office revealed someone open to new experiences. • A decorated and warm office indicated an extroverted personality. • Neat, clean, and uncluttered desks showed a conscientious type person. • A formal, undecorated, indistinctive, showed an emotionally stable personality.

Memory Boosters!

Have you misplaced your keys again? If you’re like most people, it’s an occasional annoyance. But if it’s happening more frequently than you’d like to admit, maybe it’s time for some memory boosters to help strengthen your mind. Here are five easy tips to improve your memory power: 1. Keep Items Where You’ll Need Them. Keep your keys by the front door; eye glasses in the same place everyday, and wallet/purse in the same location. 2. Keep A Notebook With A Calendar. Keep names, phone numbers, important dates, medical information, to do lists, and a notepad. Carry it with you (or carry a small notepad), so you can jot down information as needed. 3. Minimize Distractions. Focus on one thing at a time. Turn off the TV or radio when you need to focus your attention on a task. 4. Exercise Your Mind. Read, do crossword puzzles, play cards, chess, or a musical instrument to keep your mind active. Watch television shows like Jeopardy. 5. Take Care Of Your Body. Go for a walk, swim, or bicycle. It’ll clear your mind. And remember to eat a balanced diet and get enough rest!

Color Curiosities

Scientific studies have found that colors, especially in logos, evoke certain thoughts or emotions: • Blue improves performance on creative tasks and red improved performance on detail-oriented tasks. • Black and red are associated with strength. Grey and white are associated with weakness. • Brown and blue are associated with stable brands. • Green logos are associated with being masculine, rugged, or outdoorsy.

Dog-gone Facts

 Based on an average life span of 11 years, the cost of owning a dog is $13,350.  Dogs only sweat from the bottoms of their feet. The only way they can discharge heat is by panting. Dogs and wolves yawn as a sign of contentment.  Dogs have about 100 different facial expressions, most of them made with the ears. Unfortunately, the likes of bulldogs and pit bulls only have 10, due to their breeding. Therefore, these dogs easily are misinterpreted by other dogs and often get into fights.  One of the world’s oldest breeds of dog is the Saluki. It is thought to have been developed in ancient Mesopotamia around 3000 B.C.  “Three dog night” (attributed to Australian Aborigines) came about because on especially cold nights these nomadic people needed three dogs (Dingoes, actually) to keep from freezing.  Dogs see in color, although it’s not as vivid as the range that humans possess.

Safer Night Driving

When the sun goes down, it’s harder to spot obstacles on the road and the likelihood of encountering a drunk or tired driver increases. It’s little surprise, then, that fatal car crashes are three times more likely to happen at night than during the day, according to the National Safety Council. Luckily, there are several night driving strategies that can help keep you safe.  Increase the distance between your car and the car in front of you. A three-second lead is suggested during the day; at night, you should double this number.  Use lights to your advantage. Turn on blinkers long before you need them and tap brakes as you slow down to alert drivers behind you.  Maintain your headlights. Change headlight bulbs when they are getting dim or have burnt out. Use low beams during fog, and keep headlights on from an hour before dusk to an hour after dawn.  Avoid glare. If a car with bright beams is blinding you, shift your gaze to the right side of the road until the car has passed.

Got Burn-Out? Take These Steps

Are you bummed by job burn-out? If quitting your job isn’t an option, take these five steps to improve your situation. • Identify stress factors and learn how to manage them. Be proactive rather than passive about workplace issues. Know the difference between the “shoulds” and the “musts.” If you have too much work and too little time, talk to your supervisor. • Reconnect with your core work. Maybe you’ve strayed from what you were originally hired to do. Focus on the work you enjoy doing. • Take care of yourself. Take time off to recharge your batteries. • Build new relationships. Make friends with people who might have fresh ideas and perspectives. Do something different – open a Twitter account. • Plan your next move. Outline what you’d have to do to change careers and start taking action.

Prevent A Home Electrical Fire

According to the U.S. Fire Administration, home electrical problems cause more than 26,000 fires a year, half of which involve electrical wiring. Call an electrician if you have any of the following: • Problems with blowing fuses or tripping circuit breakers. • Discolored, cracked, or warm wall outlets or switches (if you see sparks, make the call as soon as possible). • A burning smell or rubbery odor from an appliance. • Flickering lights. Take these precautions: • Make sure your smoke detectors are working properly. • Replace old or damaged appliance cords immediately. • If buying a used appliance, ask if it has been tested for safety.

Composting 101

According to recent reports, almost 30-40% of the food supply is wasted, which is more than 20 pounds per person each month. Composting waste from your kitchen and yard is good way to help reduce this waste—and your garden plants will thank you. • Choose an outside compost container. Buy a plastic, metal, or wooden container for your yard (about 80 gallons is good). Check Lowes (Lowes.com) or Home Depot (HomeDepot.com) for options. • Collect kitchen scraps. Use a small, lidded container to collect organic matter such as eggshells, coffee grounds, leftover vegetables, and fruit peels as you prepare food. You’ll need to empty this frequently into the outside container. Additionally, twigs, dead leaves, paper plates, and torn-up newspaper can be added into the compost bin. • Turn the compost material. Mix it up a few times a month with a pitchfork or shovel to keep moisture and oxygen circulating. Keep it damp but not soggy (you shouldn’t see pools of water). In a few months, expect your compost to produce a healthy, dark soil, which can then be used for plants in your yard.

Parenting Truths!

• If you have trouble getting your children’s attention, just sit down and look comfortable. • Money isn’t everything, but it sure keeps the kids in touch. • Vacation is a time when parents realize that teachers are grossly underpaid. • The first sign of maturity is the discovery that the volume knob also turns to the left. • There would be fewer problems with children if they had to chop wood to keep the television set going. • Those who say they “sleep like a baby” don’t have one. • The best thing to spend on your children is time.

Cleaning Your Oven Door

Even with a self-cleaning oven, the glass in the oven door never sparkles. It’s easy to clean with baking soda and water. Simply spread baking soda over the inside of the glass with the door lying flat open and spray all over the baking soda with water. Let it sit for a minute or two (longer if the glass is really dirty) and wipe away with a damp cloth. Easy and chemical-free!

Stress Relieving Tips

When we’re stressed, we’re less able to focus and we’re doing damage to our overall health. Here are some science-based methods for de-stressing quickly. • Breathe – Stress makes us take short breaths. Concentrate on deep breaths through the nose, exhaling through the mouth, for several minutes to increase oxygen flow and reduce tension. • Pattern Reset – Forcing your brain to focus on something else, such as the repetitive task of doing dishes or knitting, can help get your mind off whatever’s bothering you. • Go for a Walk – Not only will a 10-minute walk physically remove you from any stressful situation, the exercise releases stress-relieving endorphins in your brain. Dancing to your favorite song works, too. • Take an e-Break – We love technology, but it can also cause a huge amount of stress. Turn off your phone or computer to increase your ability to relax, and don’t leave your email inbox open all day.

Be Kind To Your Teeth

Do you want to spend more time at the dentist’s office? Change these bad “teeth habits.” And see your dentist for regular checkups. Avoid: Chewing on ice. Ice cubes can chip or crack teeth. Fix: Drink ice-less beverages or drink through a straw. Chew sugarless gum instead if you need an alternate “chewing” activity. Avoid: Using teeth as tools. They’re meant for chewing, not opening small packages. Fix: Find the right tool to get the job done. Avoid: Nail-biting. It causes stress on your jaw from holding it in an unnatural position. Fix: Use bitter-tasting nail polishes and keep your hands busy. Avoid: Grinding or clenching teeth, which wears them down. Fix: Wear a mouth-guard to bed. Need a referral for an outstanding dentist?

Boost Your Chrisima

Can we develop charisma? Yes, you can, says, D.A. Benton, author of Executive Charisma. Here are five skills you can practice to improve your charisma quotient. 1. Be confident. When introducing yourself say your name and then tell something about yourself. This helps to draw a question from the other person, and can lead the person into a conversation with you. 2. Walk with purpose. Pause before entering a room and project confidence as you walk into the room. 3. Use the double hand shake. When you shake someone’s hand, use the two-handed grasp. While shaking with right hand, your left hand grasps the person’s arm at or below the elbow. 4. Focus on your goal. Charismatic people know what they want and are passionate about it. Focus on what you want and how to get there. 5. Be a good listener. Listen when other people talk. Value their opinions and make eye contact.

Things To Keep In Your Car

 Your owner’s manual. Become familiar with it.  A functional spare tire (if your car is equipped with one) and tire-changing equipment.  A First Aid kit, flashlight and batteries, jumper cables, multi-purpose utility tool, cable ties, emergency whistle and duct tape. You can buy these separately or purchase an AAA Road Assistance Kit from Amazon.com for $25-$60. Snacks and bottled water.  A charger for your mobile phone.  Road flares.  Fire extinguisher. Buy one specifically made for cars at a store like Home Depot or AutoZone.  Blankets and bottled water.  Emergency cash in small bills ($50).  A tire gauge.  Foam tire sealant. Check out: www.fixaflat.com

First-time Homebuyers Tips

The best advice is to learn from the mistakes of others. Here are two of the most common mistakes I see: • Not knowing what you can afford. Examine your budget, get a copy of your credit report, and sit down with a qualified lender to determine how much of a loan you can afford. Ask your REALTOR® for several lender recommendations and comparison shop for a mortgage before looking for a home. • Forgetting to consider the overall costs of home ownership. You can make the monthly payment, but remember to add in the cost for homeowners’ insurance, property taxes, utilities, plus maintenance.

Secrets to finding the right home at the right price

Lots of homebuyers waste time and money by not doing their homework before going home shopping. Here’s what you should do: • Analyze your NEEDS before you start looking. Make a list, including price range, size, general location, number of bedrooms, bathrooms, etc. • Know what you WANT in your next home. List the features you’d like to have and rank them in terms of importance. If you have a spouse, set your priorities as a couple. • Understand how much home you can afford. Become familiar with your “payment-to-income ratio” and your “debt-to-income ratio,” two guides bankers and mortgage lenders use to determine how much loan you can afford.

Thank you Bill Boeing!

William Boeing founded his aircraft manufacturing business in Seattle 100yrs ago. Even though they outsourced much of the 787 and moved the headquarters to Chicago I am proud to have their legacy represented in our great city! Let’s celebrate their contribution to the history of the United States as well. They opened plant 1 on the Duwamish to build seaplanes for WW I, built the plane that carried the 1st airmail, built the 1st sole intention passenger airplane, built the 1st pressurized-cabin passenger transport, built up to 350 B-17 & B-29 bombers per month during WW II, and ushered in the jet age with the incredibly successful 707. Even though Boeing is slowly pulling jobs from our region they still play an oversized role in our economy. I see a bright future with the 737 MAX, 777 X and the amazing 787. I have several friends who work for Boeing that earn living wages and can count on funded retirements. Go Boeing!

Cashing In On The Gold Rush

If you haven’t already taken advantage of the high price of gold, follow these tips to get the most money for your items. • Learn the lingo and shop around. Pure gold is measured by the troy ounce (just over 31 grams). Dealers often quote price per pennyweight (20 pennyweights equal a troy ounce), which sounds like they are paying more. Visit at least three legitimate gold buyers who are members of the Better Business Bureau, and don’t accept the first offer. • Stay clear of mail-in companies, which pay significantly less. If you use one, select one that offers free insured shipping you can track online. Remove jewels and photograph the item before you send it in. • If the piece is an antique or has fine craftsmanship, have it appraised and sell it as jewelry.

Healing Magic Of Cinnamon

Did you know that cinnamon offers more than just a great scent and taste? It has important health benefits too. A USDA scientist, Dr. Richard Anderson, recently found that cinnamon imitates the effect of insulin in the body. A study of Type-2 diabetics found that people who were given between 1-6 grams of cinnamon per day reduced their blood sugar by up to 29% depending on the amount of cinnamon they were given. In two other scientific studies, one that was published in Diabetes Research and Clinical Practice, rats were given cinnamon extract to see if it would improve how they metabolized glucose. These findings may help scientists understand the role of cinnamon on the body, and open the door to much needed research. Taken a step further, cinnamon may also help people reduce their chance of developing diabetes and improve the body’s ability to balance blood sugars.

Not Getting Enough Exercise...How to Get Back On Track

One of the best ways to stay fit is to have at least one athletic hobby: walking, swimming, bowling, tennis, golf, skiing, bicycling or even dancing. If you enjoy what you’re doing, you’ll stick with it. Second, a workout partner can make the time go by more quickly, and you can have fun at the same time. Whether it’s a family member, friend or co-worker, a workout partner will encourage you on the days you may want to slide. Third, hire a trainer if you have trouble maintaining an exercise program. A trainer can guide you through a program that works for you. Remember to vary your workouts. This prevents overworking certain muscle groups, and it will keep you motivated.

Coffee Is Good For You

Studies show that black coffee – in moderation (no more than 5 cups a day) – can be good for your health. Here are four benefits you probably haven’t considered: 1. Coffee contains nutrients and antioxidants such as riboflavin, pantothenic acid, manganese, potassium, magnesium and niacin. These are all things your body needs to function well. 2. It also contains caffeine. Caffeine speeds up your metabolism and aids in fat burning. Health.com says it may protect brain cells from damage that contributes to the development of Parkinson’s, dementia, and Alzheimer’s. Avoid it, however, at least four hours before bedtime, or if you have caffeine sensitivity. 3. Drinking one or two cups per day can reduce your risk of cardiovascular and liver disease, as well as lower your risk of developing type 2 diabetes. 4. Coffee may fight depression and make you happier. But, seriously, try to hold off on the venti white chocolate mocha lattes.

7 Tips to Release Stress in Your Life

Are you a harried mom? Overworked dad? Stressed out professional? Stress is considered one of the top three contributors to heart disease and other serious illnesses. Don’t let daily stress get the best of you. Here are seven steps you can take right now to reduce your stress level, and get back to feeling more balanced and energized in your daily life... 1. Master Your Thoughts. Stress and anxiety are actually a choice. You have the power to choose how you feel at any given moment. When you are feeling stressed out, take a moment to pause and close your eyes. Ask yourself, “Is there another choice I can make that will make me feel more at peace with myself or this situation?” 2. Breathe. It sounds so simple, but breathing has a tremendous affect on your mind, body, and your mood. Focus on your breathing when you find yourself feeling stress. If you put your finger on your belly button, you’ll begin to breathe from your belly and relax. 3. Exercise. Regular exercise can release stress and make you feel more in control of your life. Try a 30-minute brisk walk, bike ride, or play a game of tennis or racquetball. 4. Take Up A Hobby. Hobbies give our body and mind a place to relax. Whether it’s painting, woodworking, gardening, or playing a musical instrument, hobbies can give us that feeling of a vacation without having to go anywhere to get away. 5. Pace Yourself. Many of us have a tendency to over schedule ourselves or our family, and then become stressed when we can’t meet the demands. Prioritize your workload and concentrate on one task at a time. 6. Lighten Up And Take The Long View. If you’re feeling anxious and tense...take a moment and ask yourself, “will this really matter tomorrow, next week, or even five years from now?” 7. Strive For Peace of Mind. You can get more out of your life by actually doing less. Happiness comes not from the number of activities things we collect, but from the opportunity to enjoy our experiences. Doing less may actually make you happier...it’s your choice.

A good walk spoiled, I disagree. Walk your way to a long life!

I Love to Walk! According to Golf Digest the average golfer walks 6.18 miles on a typical course. Walkers also benefit from conversation with the whole group and have a much better feel for the upcoming shot. Most people don’t think golfers get much exercise but I disagree, especially courses like Chambers Bay – now that’s exercise!! Sometimes I even walk a second round!

6 Tips to Strengthen Your Family Bonds

Is the quality of your family life important to you? We sure don’t need to look very far to discover the challenges families are facing today. The good news is there are quick and easy ways to strengthen your family and promote each other’s personal growth. 1. Make Family Your First Priority. Strong families spend lots of quality time together. We’ve all heard the well-known quote, “How do kids spell love?” T-I-M-E! Strong families spend lots of positive time working on family projects and playing together. 2. Appreciate One Other. Strong families appreciate each other’s unique qualities and contributions and express their feelings openly. Make a commitment to compliment each other at least once each day. 3. Foster Communication. Strong families listen to each other, respect each other’s opinions, and avoid interrupting. One of the most valuable ways to foster communication is by having at least one meal together each day. Do your best to set an example by putting away your phone or computer during meal time. 4. Strengthen Commitment. Strong families work together to solve their problems. They may not always agree, but they are willing and able to bring things out into the open and to talk about them. 5. Create Traditions. Strong families stay connected – another reason for having at least one meal together each day. Also, give your children the gift of friendship with their cousins, aunts, and uncles by keeping in touch regularly. 6. Set Rules and Expectations. Strong families set and put into practice clear guidelines and limitations. Family members take responsibility for their actions. Give grace and grace will follow.

New World Handicap System 2020

It is fun to see the driving ranges and golf courses filling up again. Last year we had several major rule changes that simplified rules and speed up play. I think they did a great job getting the word out and the new rules all seem to be popular. This year we have a brand-new worldwide handicap system in place. Six different bodies came together to merge rules and get the world on the same system with the goal of making all rounds portable. The main changes include a net double bogie for everyone, daily revisions, fewer rounds used to calculate, highly recommended input the day of play so weather can be taken into account. If you have never had an official handicap you should jump on board!

Caddyshack Lines

My top ten quotes from one of my all-time favorite sports movies: 1. You’ll get nothing and like it. 2. My uncle says you’ve got a screw loose. Your uncle molests collies. 3. Last time I saw a mouth like that it had a hook in it. 4. You’re rather attractive for a beautiful girl with a great body. 5. I’ve sentenced boys younger than you to the gas chamber. Didn’t want to do it. I felt I owed it to them. 6. This is a hybrid. It is a cross of Bluegrass, Kentucky Bluegrass, Featherbed Bent and California Sensemila. 7. Just be the ball, be the ball Danny. 8. Two wrongs don’t make a right, but three rights make a left. 9. That’s a peach, hon! Oh, by golly…I’m hot today! 10. This is the worst-looking hat I ever saw! When you buy a hat like this I bet you get a free bowl of soup! Looks good on you though…

Be Kind To Your Teeth

Do you want to spend more time at the dentist’s office? Change these bad “teeth habits.” And see your dentist for regular checkups. Avoid: Chewing on ice. Ice cubes can chip or crack teeth. Fix: Drink ice-less beverages or drink through a straw. Chew sugarless gum instead if you need an alternate “chewing” activity. Avoid: Using teeth as tools. They’re meant for chewing, not opening small packages. Fix: Find the right tool to get the job done. Avoid: Nail-biting. It causes stress on your jaw from holding it in an unnatural position. Fix: Use bitter-tasting nail polishes and keep your hands busy. Avoid: Grinding or clenching teeth, which wears them down. Fix: Wear a mouth-guard to bed.

5 Foods That Fill You Up

If you’re watching your weight, you can eat more than salad for breakfast, lunch and dinner. These foods will help fill you up, not out: • Oatmeal (not instant). It’s a healthy carb with a high fiber content. • Eggs. Eat them for breakfast and you’ll have about 330 calories less than usual throughout the rest of the day. • Dark chocolate. Researchers say compounds in dark chocolate slow down digestion and make you feel full longer. But don’t eat the whole bar! • Soup. A Pennsylvania State study showed that people who had two servings of low-calorie soup daily lost 50 percent more weight than those who ate the same number of calories in snack foods. Choose broth or vegetables, not the creamy variety. • Pine nuts. They contain pinolenic acid, which stimulates hormones that suppress your appetite. Plus, your mouth likes the crunch.

Chocolate - The Magical Health Food

Halloween offers more temptation than normal but if you love chocolate, you don’t need to feel guilty anymore! Here’s why. Nutritionists at Penn State University have discovered that chocolate has powerful (and very healthy!) antioxidant properties. Chocolate (especially the very dark chocolates) have been found to have high levels of the antioxidant flavonoids called flavanols. Long-term studies have shown that people with high blood levels of flavonoids have a lower risk of heart disease, lung cancer, prostate cancer, asthma, and type-2 diabetes. Researchers found that Dove Dark Chocolate packed a walloping amount of the heart-healthy flavanols. It reduced bad LDL cholesterol, boosted antioxidant levels in the blood and raised good HDL cholesterol by 4 percent. In the lab, they discovered chocolate reduces blood clotting, and may stabilize arterial plaque, making it less likely to travel and cause stroke and heart attack. “The chocolate flavanol factor” also triggers production of nitric oxide, which maintains flexible arteries and increases blood flow – great for controlling high blood pressure! So the next time you unwrap a savory piece of dark chocolate and offer some to a friend, you can say, “To your health and long life!” Of course everything in moderation.

Don’t Pass The Salt!

Americans consume almost two times the recommended amount of salt everyday! Most salt is hidden inside common foods...spaghetti, soup, pizza, and especially frozen dinners. Too much salt can increase your blood pressure...and high blood pressure can wreak havoc on your heart, brain, and kidneys. The average person should eat no more than 2,400 mg. of sodium daily, which is the equivalent of one heaping teaspoon a day. The average American eats over 4,000 mg. a day, and 75 percent of it from processed food and restaurant meals, according to Dr. Stephen Havas, a researcher at the University of Maryland. So before you buy food at the store, check the nutrition labels. Ask yourself, how much sodium is in one serving. Remember restaurant food can have even more sodium, so watch what you order. Ask for low-sodium entrees, or select fresh salads, and avoid those French fries. Cutting salt could save your life!

How You Can Lower Your LDL...The Bad Cholesterol

Worried about your cholesterol? Researchers have found a way to easily reduce your LDL cholesterol by simply adding one key ingredient to your daily diet. What is this magic, secret ingredient that could change your life? WALNUTS! Yes, just by eating 8-11 walnuts every day, you’ll lower your “bad” LDL cholesterol by up to 11 percent. And you can further reduce your LDL significantly by eating more fruits, vegetables, and olive oil.

Detergent Secret…

Detergent makers recommend that consumers use more of their product than necessary. Here’s a quick tip: Use only half as much detergent in your laundry and dishwasher. You’ll save money and your clothes and dishes will be just as clean – maybe even cleaner!

Hobbies And Your Health

Doctors at Harvard Medical School found people who have hobbies are able to handle stress better. Hobbies like painting, wood working, knitting, or making pottery, have a calming effect on people and distract them from everyday worries. And they can give you a sense of satisfaction. Research suggests it strengthens your immunity, and studies show that men with hobbies were less likely to die of stroke or heart disease.

Advantages of using a REALTOR®

A skilled REALTOR® can save you thousands of dollars by serving as your “Buyer’s Representative,” who will help you write your offer and negotiate your deal. Here are four ways I can help you save time and money: 1. Help you analyze your needs and find the home you want at the right price. Coldwell Banker has been serving our community since 1906 and has a 24 point buyer service guarantee. 2. Give you direction and contacts to get pre-approved for a home loan. I suggest calling John Porter at Mortgage Masters. 206-954-8736 or email him at john@mortgagemasterwa.com 3. Help you avoid traps and pitfalls in negotiating the best deal with the sellers. I will share the recently sold comparable properties before suggesting an offer price. 4. Coordinate inspections, appraisals, escrow and title services with the best companies, ones I know and trust. Hiring the right inspection company is so important. You want to know what you are buying so there are no hidden surprises after you move in.

Northwest Harvest

More Washingtonians are struggling with food insecurity in the troubled economy due to COVID-19. Northwest Harvest was founded as a non-profit in Seattle in 1967 and supports 370 food banks and meal programs in the state. Northwest Harvest provides meals to anyone in need without verification while respecting their dignity and promoting good health. Their mission is to help people make tough choices between essential needs like rent and medicine and feeding themselves a little easier. They distribute an average of two million meals each month through distribution centers in Kent, Yakima, and Spokane. They offer volunteer assignments at their distribution centers and collect nonperishable food around the holidays. northwestharvest.org

Soundproofing Tips

From loud electronics and kitchen equipment to noisy neighbors and street sounds, an otherwise serene home can easily become an unpleasant cacophony of disturbances. Keep the peace with a few simple soundproofing tips. • Install interior doors that aren’t hollow. Particleboard-core, composite-core, or solid-wood doors are all better options. • Add sound-dampening throw rugs and fill bookshelves in the most voluminous rooms. • Maintain appliances or invest in quieter ones when it’s time for replacements. • Keep external noise to a minimum by closing the garage door, installing triple-pane glass, and using curtains made from tightly woven fabric. • Add insulation to thin walls and ceilings. • Tighten squeaky floorboards. • Avoid inexpensive or poorly designed speaker systems.

Dreams May Help You Solve Problems

Did you know Paul McCartney composed “Yesterday” in a dream? Studies show that when you dream, you’re more open-minded and may see things from a different perspective. Here are two different approaches you might try to solve a problem or increase your creativity: 1. Clear your mind before you go to sleep. Read a book, talk about something else, go to sleep, and trust your subconscious. 2. Focus on the problem you want to resolve. Form it into a question (for example, “What should I say to have a successful meeting?”), write it down, and visualize a positive outcome. With either method, write down what you remember about your dreams when you wake up. They may be illogical, but the imagery or events could be a metaphor for a solution that relates to your problem. These techniques require a positive attitude and lots of practice, but they can help you! For further information, look up the work of dream psychologists, such as author Deirdre Barrett.

Northwest Harvest

More Washingtonians are struggling with food insecurity in the troubled economy due to COVID-19. Northwest Harvest was founded as a non-profit in Seattle in 1967 and supports 370 food banks and meal programs in the state. Northwest Harvest provides meals to anyone in need without verification while respecting their dignity and promoting good health. Their mission is to help people make tough choices between essential needs like rent and medicine and feeding themselves a little easier. They distribute an average of two million meals each month through distribution centers in Kent, Yakima, and Spokane. They offer volunteer assignments at their distribution centers and collect nonperishable food around the holidays. northwestharvest.org

Counterfeit Goods are Even Sold on Trusted Sites

Buyer Beware U.S. Customs seized $1.26 billion worth of counterfeit goods coming into the country last year. The classic is true, if it seems too good to be true it probably is. These were the top 6: 1. Handbags/wallets 2. Watches/jewelry 3. Wearing apparel/accessories 4. Consumer electronics 5. Footwear 6. Pharmaceuticals/personal care

Smart Grocery Shopping

You can read plenty of articles on the internet about how to save money on groceries, but do you really have a grocery shopping strategy? Here are some supermarket tips and secrets that will make you a savvy shopper.  Approach grocery shopping like a job. You need to have a plan (take a list) and a budget to make the best use of your time and money.  Stick to a time schedule. Shop for what you need and get out. It is said that if you’re in the store more than 30 minutes, you’ll spend an extra 50 cents to $1 per minute as you walk the aisles.  Shop alone. Real Simple Magazine says parents will spend 10-40 percent more if they take their kids along. It might be worth it to hire a babysitter!  Only buy “food” at a grocery store. Generally, you’re better off buying toiletries, cleaning supplies and pet food at a big-box discount store.  Know the floor plan. Shop the perimeter first for fresh fruits and vegetables, protein and milk. You’ll find some good buys in the center aisles, but you’ll also be tempted by items like frozen convenience foods.  Don’t assume everything on sale is a bargain. Stores often display “sale” items at the end of the aisles. Manufacturers pay to have their products put there so they aren’t necessarily a good deal.  Check “price per unit.” Sometimes it’s cheaper per unit to buy two smaller items than it is to buy one supersize package.  Look high and low. Stores often place higher-priced items at eye level (brands pay for the space). Check prices on the top and bottom shelves.  Pay attention at checkout. Shoppers lose up to $3 billion a year on scanner mistakes (current sale prices not reflected).

Head Coach Pete Carroll

Our Coach Pete Carroll - Go Hawks I am proud to be a Seahawks fan and proud to have Coach Carroll represents the Seahawks and our great city! He was born Sept 15th 1951 in San Francisco and began his coaching career in 1973. His playing days included multiple positions in high school and at Jr. College. After graduation he tried out for the World Football League but didn’t make the team. His only non-football job was selling roofing materials in the Bay Area; he decided that was not his calling. His smarts, energetic personality and positive outlook earned him his 1st coaching job and all these years later those attributes are his hallmark! He has been Head coach for 3 NFL teams and was Head coach for USC- winning 2 national championships. As Head coach he holds an impressive record of 232-118-1 including Super Bowl 48 win and Super Bowl 49 appearance. He recently signed a contract extension through 2021. I am thrilled to have him lead our Hawks!!

Natural Energy Boosters

Try these to boost your energy without caffeine:  Drink more water. Often your body tells you you’re tired when you’re just dehydrated.  Have a protein-rich snack, like an egg, mixed nuts, beans, or tofu.  Listen to the right music. Upbeat music that you love will keep you awake and mentally energized.  Tug your hair. Surprisingly, pulling your hair gently helps release tension (which can make you tired) and gets the blood flowing to your scalp.

Earnest Money is Important

I am saving money to buy a home, but I’m not totally clear on what the term “earnest money” means. What is earnest money? First, let me commend you on saving money for a home. Buying a house is probably the most important purchase you’ll make in your lifetime – and having cash available gives you more options with your purchase. Earnest money is an important factor when you’re making an offer on a house. When you make an offer to purchase a house, the “earnest money” is the deposit that shows the buyer you are serious about the purchase. The money opens the escrow and can be applied to the buyers’ down payment or closing costs. The earnest money amount is negotiable. It typically varies depending on the price of the house and strength of the market. Generally, it’s recommended that your earnest money deposit be about two percent of your offered price. And although earnest money is not required by law in most states, it’s standard practice in real estate transactions. When the seller accepts your offer and earnest money, the property is taken off the market. In a hot real estate market, a large deposit may impress a seller enough so they will accept your offer instead of someone else’s. However, buyer beware…it can also put you at significant financial risk if for some reason the transaction runs into trouble not covered by a contingency in your purchase agreement. The Standard Offer And Purchase Contract stipulates under what conditions your earnest money will be returned if the contract fails. If you are in the market for a home and need competent and caring representation, please call!

Tipping Tips…

Do you get a little nervous when it comes time to calculate the tip in a restaurant? While it varies by country, here are some tips about tipping in the U.S.: A common tip is 17 to 20 percent (depending on the restaurant, location, extra service provided etc.). Don’t tip under 10 percent. One method is to double the sales tax and add that as the tip. You don’t have to tip on the tax. When a gratuity is included for a large party, it’s added pre-tax. However, servers include the tax when they “cash-out” and determine what they share with busboys, runners, etc. so it does benefit more people if you do. You can leave a small tip due to bad service but you are more or less “punishing everyone” when it may be, for example, a kitchen problem. Leave some tip, but tell the manager that you didn’t have a good experience. Remember we are all human and make mistakes.

Local Ideas to Enjoy Our Beautiful Fall Colors

A trip to New England to take in their amazing fall colors is out of the question but there is no reason you can’t make memories right here in the Seattle area. Here are a few ideas to explore on a nice fall day! • Washington Park Arboretum – The Arboretum is a welcome oasis on the shores of Lake Washington jointly managed by Seattle Parks and the UW. 230 Acres of trees and plants found nowhere else in the NW. • Kubota Gardens – A work of art that will awaken a feeling of serenity, humility, and gratitude. Largest Japanese Garden in the region. 20 acres, 9 ponds, 2 red bridges and 140 maple varieties. • Lake Wilderness Park – Lake Wilderness Park is the crown jewel of Maple Valley. Enjoy their 117 acres with two creek systems, three wetlands, extensive wildlife and outstanding views of Maple Tree forests. • Discovery Park – 534 acre park in Magnolia with a lighthouse on the westernmost point. Amazing views and lots of native trees with a 11.8 mile trail system.

7 Important Money Strategies

We all want our kids to do well in life...and not make some of the mistakes we might have made. Here are seven important money strategies to teach your kids that will serve them well throughout their lives: 1) Don’t carry debt. Avoid credit card debt. It’s expensive money! In fact, about 30% of college graduates will enter the workforce with $10,000 to $25,000 in credit card debt and other loans. 2) Pay yourself first. Have your children open an investment account and regularly have them put away money for goals and emergencies. 3) Set up a budget and track your expenses. Help your children set up their own budget, and teach them how to track their income (from allowances, gifts, money earned) and expenses. 4) Don’t compare yourself with others. A friend may drive a fancy car and wear expensive clothing, but they actually may be deeply in debt. 5) Don’t trust anyone with your money. No one cares as much about your money as you do. 6) Invest in a Roth IRA, and/or a market index when you start earning money. To reach long-term goals investing is a must. 7) Money doesn’t buy happiness. Money can make life easier when you don’t have to struggle financially to make ends meet. But money can’t buy love or happiness.

Roadside Assistance

Being stranded on the side of the road with a flat tire or some other mechanical problem can happen to anyone at any time. A roadside assistance plan is the kind of purchase you hope you’ll never have to use, but having the right one when you need it most can save hundreds of dollars and a massive headache. Here’s what you need to know to choose the one right for you: • Many new cars (and some certified used cars) come bundled with assistance from auto manufacturers. Though they are often valid for the length of the warranty, check with the dealer when you purchase. • Popular roadside assistance carriers include AAA (aaa.com), Better World Club (betterworldclub.com), AARP Roadside Assistance (aarproadside.com), and Good Sam (goodsamroadside.com). However, add-on plans are also available from cell service carriers, credit card companies, and insurance providers, though the services they cover vary. Some may have restrictions on towing distance, the number of roadside assistance calls allowed each year, and out-of-pocket costs you may incur by using these services. • Because some coverage plans are for specific vehicles (such as those affiliated with a warranty), you may need additional plans for other family vehicles. However, other plans, such as cell phone-related assistance, cover certain people. In choosing coverage, make sure all relevant parties and vehicles in your family are appropriately protected.

Self-Care Tips

In order to remain productive, focused, and able to care for others, it’s important to care for yourself first. 1. Stay hydrated. Even mild dehydration can be detrimental to mood and mental cognition, according to University of Connecticut’s Human Performance Laboratory researchers. Drink about a half gallon of water a day. 2. Care for plants. Being around plants can increase memory retention up to 20%, according to a University of Michigan study. 3. Get enough sleep. Adequate sleep enhances learning and problem-solving skills, and helps you pay attention and make decisions. The average adult needs 7-8 hours per day.

Lower Your Cholesterol Naturally!

A recent study published in the Journal of the American Medical Association (JAMA), found that people who ate a lot of plant sterols and fiber naturally lowered their cholesterol by 29%. What are plant sterols? They are foods that many of us like to eat: avocados, walnuts, almonds, olives, eggplant, olive oil, and flaxseed. The researchers found that people on the drug, Lovastatin, lowered their cholesterol by 30%, and people who ate a low-fat diet reduced cholesterol levels by 8%. What’s interesting about these findings is they show that a diet rich in plant sterols can be as effective as one of the most frequently prescribed cholesterol-lowering drugs—and without some of the side effects associated with prescription drugs. Adding these important foods can help raise your good cholesterol (HDL) while lowering your bad cholesterol (LDL). Note: If you’re on a cholesterol reducing medication, talk with your physician before making any changes.

Walk Your Way To Weight Loss!

Would you like to get more exercise, but just can’t find the time? The America on the Move (AOM) program at the University of Colorado Health Sciences Center says there’s an easy way to get moving. You can lose weight, and increase your energy by wearing a pedometer. A pedometer helps you monitor how much exercise you’re getting each day. More exercise adds up to weight loss and an increase in your energy. Just by adding about 2,000 steps a day to your daily activities and eating 100 calories less, (about what’s in a slice of bread), you’ll begin to see results. Every step counts and you can see them adding up. You’ll be more likely to park farther away from work or the store in the parking lot. You could take a short walk after dinner in the evening. And it’s EASY...no trips to the gym, no exercise equipment to buy, and you can monitor how much exercise you’re getting during the day.

Reduce Your Risk of Colon Cancer

You can reduce your risk of colorectal cancer by 15 percent just by drinking one glass of milk a day! Researchers at Harvard Medical School found that by drinking milk and taking calcium supplements (1,000 mg) daily you can reduce your risk of colon cancer by 24%. The study analyzed the calcium intake of over 500,000 men and women, and colorectal cancer and was published by the Journal of the National Cancer Institute. Researchers recommended eating lots of fruits, vegetables and whole grain, while reducing your fat intake. They also recommended exercising regularly and getting a regular colon-screening test to reduce your risk of colon cancer.

Teaching Kids Life Skills

Teaching kids how to approach and solve life’s challenges is one of the biggest jobs parents face. Here are a few tips to help your children (or grandchildren) grow into self-sufficient and responsible adults: • Teach Kids To Look For Solutions. When kids are faced with a problem, have them identify several options and solutions. Then you can help them choose which solution works best. • Teach Kids Responsibility: Let kids know they are responsible for their actions. They have to do their homework, but you can offer them two “positive choice” options: Do you want to do it in 15 minutes or 30 minutes? Teach them how to organize, and give them the tools to stay organized (calendar, palm pilot, notebook). • Teach Kids How To Make Good Choices. Giving kids choices empowers them to make their own decisions. Have them weigh the pros and cons of their choice, and let them make the decisions. • Teach Kids How To Deal with Failure. Teach your children that failure is not personal, permanent, or pervasive (i.e. losing a soccer game doesn’t mean you’re bad at other things as well). Developing a positive explanatory style early in life will help your children live a happier, healthier and more successful adult life.

Seattle Fall Colors

Guessing none of us will be making a trip to New England to take in their famous fall colors. We can still get some summer like days this time of year so pick a nice one and enjoy OUR fall colors. See if you can hit all four in one day! The Arboretum - Officially the Washington Park Arboretum is a joint project of the University of Washington and Seattle Parks Dept. that is nestled between Union Bay, Montlake and Madison Valley. Known for a unique variety of trees and a 3.5 acre Japanese Garden which is one of the oldest in North America. Discovery Park - Seattle's largest park with 534 acres and nearly 12 miles of walking trails. Bluff views of the city and surrounding islands will blow you away! The Seattle Audubon Society has compiled a list of 270 bird species found in the park. Kubota Garden - 20acre Japanese Garden started by Fujitaro Kubota in 1927 and worked until his death in 1973; it has been maintained by Seattle Parks since 1987. 9 ponds, 2 red bridges, 140 maple varieties and 30 hydrangea varieties. A poetic landscape for refuge and meditation. Kerry Park - 1.6 acre park on the slopes of Queen Anne Hill was donated to the city in 1927 "so that all that stop here may enjoy its view." Iconic city and Mount Rainier views! On a fall day you will enjoy the beautiful view of changing colors too.

Strengthen Your Immunity Against Colds & Flu

Don’t let a COLD or FLU get to YOU this season. The human body has many ways to naturally fight infection, but you need to give it all the help you can. Here’s how to boost your immunity and fight off those nasty germs:  Eat healthy food. Load up on fresh fruits and veggies like leafy greens. Avoid sugar because it can interfere with the enzymes you need to boost your immune system.  Supercharge your body. Your body can naturally kill a virus. So spring into action during the first 24 hours to combat illness. Once you feel a few symptoms, start drinking filtered water, broths, and soups with lots of garlic, onions, and spices. Take supplements like echinacea, vitamin C, and elderberry.  Breathe clean air. Avoid smoking, air pollutants, indoor dust, and ash from fireplaces that can irritate the lining of your nose and throat.  Avoid sick people. It sounds obvious, right? But it’s easy to forget. Try not to be in the same room, breathing the same air as someone ill for long. Wash your hands frequently and disinfect everything they touch.  Get a flu shot. The Centers For Disease Control & Prevention recommends that everyone who is at least 6 months old get the seasonal flu vaccine. It protects against 3 flu viruses that research indicates will be most common during the upcoming season.

Three-Minute Meditation

One extremely refreshing getaway is meditation – and best of all, you don't have to pack for it. Research from the University of California, Davis, suggests that regular mindfulness meditation may slow the rate of cellular aging – potentially giving you more precious time than you ever dreamed of. Here’s how to mediate in 3-minutes: 1. Find a peaceful place where you won’t be interrupted. 2. Gently rest your palm over your heart. Concentrate on a person, place, song, or memory you cherish. The idea is to feel love and to concentrate it as energy in your mid-chest. 3. Visualize any thoughts as clouds drifting in the sky. Let them float by and out of your awareness. 4. Observe the sensations in your heart area: heat, coolness, bliss, compassion, release of pressure, vibration. Over time and with practice, you’ll feel the positive energy in your chest that will flow into your body.

Makeover your living space with these simple decorating tips

1. Change your color palette. You can choose neutral and earth tones, such as whites, tans, beiges, and golds. A room of monotone decors appears more spacious. And you can dress up a room with white walls, a white sofa, and white or glass coffee tables with accented throw pillows, colorful table runners and placements, and decorative rugs. 2. Soften the lighting. Lighting adds warmth and drama to any room. A lamp or sconce lighting will provide more warmth and mood than overhead lighting. In your rooms, place your lamps and lighting arrangements so that they form a triangle of light in the room. 3. Rearrange the furniture. Try moving your sofas away from the wall. You can place two sofas in “V” formation with tables behind them. Or you can arrange the sofas so that they’re parallel to each other. Placing a rug between them creates a conversation area. 4. Create a focal point. Select a special focal point in your room: a piano, piece of art, picture, or floral arrangement. Make sure to hang your art and pictures at eye level. (Many people hang them too high.) 5. Create warmth. You can transform your dining room by adding lamps on each side of the buffet. Be sure to choose tall, sleek lamps to add drama to your dining area. 6. Experiment with ideas. Don’t be afraid to experiment with light, color, and furnishings. Use your own personality and charm to create the living space you’ll enjoy entertaining and spending time with your family.

Exercise... How to Get Back On Track

One of the best ways to stay fit is to have at least one athletic hobby: walking, swimming, bowling, tennis, golf, skiing, bicycling or even dancing. If you enjoy what you’re doing, you’ll stick with it. Second, a workout partner can make the time go by more quickly, and you can have fun at the same time. Whether it’s a family member, friend or co-worker, a workout partner will encourage you on the days you may want to slide. Third, hire a trainer if you have trouble maintaining an exercise program. A trainer can guide you through a program that works for you. Remember to vary your workouts. This prevents overworking certain muscle groups, and it will keep you motivated.

Can Optimism Make You Healthy?

In a study of first year law students at the University of California at Los Angeles, psychologists discovered students with positive attitudes and expectations had stronger immune systems and overall good health. Researchers drew blood from “declared optimists” and a control group. They then measured levels of key immune cells at the beginning of the semester. At that time there was no difference, but well into the stress-filled semester the optimists showed significantly higher levels of key immune cell activity than their less-than-positive counterparts. Keep smiling—you’ll live longer!

Local Ideas to Enjoy Our Beautiful Fall Colors

A trip to New England to take in their amazing fall colors is out of the question but there is no reason you can’t make memories right here in the Seattle area. Here are a few ideas to explore on a nice fall day! • Washington Park Arboretum – The Arboretum is a welcome oasis on the shores of Lake Washington jointly managed by Seattle Parks and the UW. 230 Acres of trees and plants found nowhere else in the NW. • Kubota Gardens – A work of art that will awaken a feeling of serenity, humility, and gratitude. Largest Japanese Garden in the region. 20 acres, 9 ponds, 2 red bridges and 140 maple varieties. • Lake Wilderness Park – Lake Wilderness Park is the crown jewel of Maple Valley. Enjoy their 117 acres with two creek systems, three wetlands, extensive wildlife and outstanding views of Maple Trees. • Discovery Park – 534 acre park in Magnolia with a lighthouse on the westernmost point. Amazing views and lots of trees with a 2.8 mile trail system.

Don’t Put These In The Drain

Plumbers will tell you to avoid putting these items down your kitchen sink drain – they’re the biggest causes of drain blockages that can cost you hundreds of dollars (or more) per professional visit to remedy: 1. Coffee grounds. Granular waste combines with other items to form a clog. 2. Grease/oils will stick to the inside of drains and pipes and can contribute to sewer overflows (yuck!) 3. Fibrous materials like onion skins or corn husks. These can get snarled in your disposal blades.

Grateful

We would all rather be happy if given the choice. In some cases, our state of happiness can be a conscious choice we make to focus on the positive things in our lives. Learning to be grateful in your daily life is a surprisingly effective way to improve your health and overall happiness. The benefits of being grateful can be huge. Studies show that people who are more grateful sleep better, feel healthier, have higher self-esteem, have more energy, and experience less stress. Staying grateful isn’t always easy, but with all these physical and mental benefits it’s absolutely worth the investment of your time. Here are some easy ways to practice gratitude on a regular basis. Try out a few of them to see which suits you best. •Keep a “gratitude journal” to jot down 1-2 things you’re grateful for daily. •Actively work on cultivating positivity by looking for a bright side to negative situations. •Pay someone an unexpected complement each day. •Talk about 2-3 positive moments from the day during nightly dinner conversation. •Offer a heartfelt – not routine – “thank you” for a mundane task, such as someone holding a door open for you at the store. •Say out loud what you’re grateful for, even if you’re talking to yourself. •Put a picture of your family, or whatever you’re most thankful for, somewhere you’ll see it multiple times a day. •Donate your time to a favorite cause. Monetary donations are great, but donating your time is even more effective at making you feel grateful.

Be Prepared for Fire

Would you and your family be prepared if you had a fire in your home? Go to www.homefiredrill.org and learn how to plan and practice a home fire drill.

Easy Ways To Add Curb Appeal

The first impression of your house is from the street. If you want to sell or just add some new style, try these ideas: Focus on your front door with a new color, updated light fixtures and easy-to-read house numbers. For more charm, add window flower boxes or shutters around the windows. Learn to build a window box on YouTube.com. Clean out the clutter, and trim the overgrown bushes and trees (this also makes your home safer). For quick color, add container gardens. You can buy them pre-planted. Add lighting accents to trees or to illuminate the pathway (another safety feature). You can go solar to eliminate wires. Pressure-wash the exterior. If it doesn’t look better, consider new paint or siding. Don’t forget the garage door. Repair it, paint it or replace it to make your house look like new.

Safer Night Driving

When the sun goes down, it’s harder to spot obstacles on the road and the likelihood of encountering a drunk or tired driver increases. It’s little surprise, then, that fatal car crashes are three times more likely to happen at night than during the day, according to the National Safety Council. Luckily, there are several night driving strategies that can help keep you safe.  Increase the distance between your car and the car in front of you. A three-second lead is suggested during the day; at night, you should double this number.  Use lights to your advantage. Turn on blinkers long before you need them and tap brakes as you slow down to alert drivers behind you.  Maintain your headlights. Change headlight bulbs when they are getting dim or have burnt out. Use low beams during fog, and keep headlights on from an hour before dusk to an hour after dawn.  Avoid glare. If a car with bright beams is blinding you, shift your gaze to the right side of the road until the car has passed.

HAPPY Labor Day Weekend!

The United States Congress has the sole power to designate and recognize federal holidays. Labor Day was added in 1894 and is celebrated on the first Monday of September. They picked that day for nice weather since the intension was to give workers a day off for family picnics. By the end of the industrial revolution in the 1840's workers were broadly pushing for more rights and better treatment. Sweatshops were rampant and accepted; they offered unsafe working conditions, long hours, and low pay. Exploitation of child labor was surprisingly high; close to 25% of children left school by the age of 14 to enter the workforce. The common work week was sunup to sundown 6 days per week. There was no such thing as Unemployment Insurance, Medicaid, Medicare or Social Security Assistance. In 1911 negative public perceptions were galvanized by the Triangle Shirtwaist Factory fire leading to the end of sweatshops and stronger protections for laborer's. The first minimum wages laws were enacted in 1896 and became federal law in 1938. Unemployment Insurance is a cornerstone of our safety net today and was enacted in 1935. Non-farm child labor was strictly regulated in the Fair Labor Standards Act of 1938. The 40hr workweek was also in the 1938 Fair Labor Act requiring time-and-a-half for over 40hrs per week. Government provided healthcare was greatly expanded with Medicare and Medicaid when L.B.J. signed two additional titles into the Social Security Act in 1965. "The miracle is not that we do this work, but that we are happy to do it." - Mother Teresa "Genius begins great works. Labor alone finishes them." - Joseph Joubert "All labor that uplifts humanity has dignity." - Martin Luther King Jr.

Schmitz Preserve

Find a Hidden Gem at Schmitz Preserve Park Have you ever wondered what the Seattle forests looked like? Well the last of our untouched old growth forest is located in West Seattle! Former parks commissioner Ferdinand Schmitz was watching our forest rapidly disappear and decided to act. His 1908 donation allowed a small piece of it to remain as nature intended. Enjoy!

Summer Weather in Seattle

Did you know we have the best summer weather in the whole country? I think the word is getting out; we are a fast growing city and experiencing a boom time for tourism. As the northern most big city in America (farther north than Toronto, Ottawa, and Montreal) we have 16hrs of daylight at the summer solstice. You can tee off before 5:00am and play until almost 10:00pm! While most of the country is baking or sweltering we enjoy an average summer high of only 74 degrees and average low of 54 degrees. Open those windows at night and close them in the day and you will not need air-conditioning! We get above 90 degrees only 3 times a year on average and have hit 100 degrees or above only three times. 103 degrees is our all-time record high temperature - 7/29/2009. How about all the Seattle rain?!? We get on average only 3.15 inches of rain in the summer months while most of the country gets afternoon thunderstorms and seasonal monsoon weather. ENJOY!!!

Color Curiosities

Scientific studies have found that colors, especially in logos, evoke certain thoughts or emotions: • Blue improves performance on creative tasks and red improved performance on detail-oriented tasks. • Black and red are associated with strength. Grey and white are associated with weakness. • Brown and blue are associated with stable brands. • Green logos are associated with being masculine, rugged, or outdoorsy.

Don’t Read This Sitting Down

Don’t Read This Sitting Down Do you sit at a desk all day and become a couch potato on the weekends? Recent studies have shown that those who sit most of the day have an increased risk of obesity, diabetes, heart problems and other diseases. That’s because the enzymes that burn fat shut down, slowing your metabolism and possibly lowering your beneficial cholesterol. Even if you do exercise regularly, you need to move your muscles frequently (called non-exercise activity) throughout the day. Follow these tips: Try to get 30 minutes of moderate exercise a day. When you’re not exercising, don’t remain sedentary for long. Get up and move, whether that means walking to someone’s office (instead of sending an e-mail) or going to the copy machine. Even standing burns calories since you tense your leg muscles and shift your weight from one leg to the other. Turn off the TV. You’ll burn more calories doing almost anything else, such as playing games with the kids, cleaning the house or walking the dog. When you do watch TV, change your seating. Watch it in a rocking chair (yes, it burns energy!), sitting on a therapy ball or riding an exercise bike. Move around during commercials, which can take up 20 minutes each hour.

Effective Time Management

Do you feel like you’re always working to keep up, but don’t really get anything done? 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: 1.Collect. Capture anything and everything that is on your mind. 2.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)? 3.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.) 4.Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current. 5.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 success with his principles. Get organized 4 success!

SUNCADIA RESORT

I love Suncadia! 6,000 acre resort backing up to a 2.2 million acre National Forest just 90 minutes from Seattle. 3 golf course, swimming, spa, winery, great restaurants, miles of hiking/biking trails and so much more. If you haven’t been up go check it out, you will be glad you did! Explore Roslyn and Ronald too!

Make the world a better place

You have it easily in your power to increase the sum total of this world’s happiness now. How? By giving a few words of sincere appreciation to someone who is lonely or discouraged. Perhaps you will forget tomorrow the kind words you say today, but the recipient may cherish them over a lifetime. Dale Carnegie

Fall is an excellent time to sell a home in Seattle

Home prices continued to rise in a brisk market over the summer months. Inventory remains a problem in many neighborhoods! Total listings are down and there is just over 1 month supply of available homes for sale. Experts forecast the market to eventually cool with the major economic damage done by the virus but right now demand is outstripping supply which brings higher prices. There is no reason to think things will change overnight so if you have considered selling a property this fall could be an outstanding opportunity to sell in favorable market conditions.

Getting Organized

Do you feel like you’re always working to keep up, but don’t really get anything done? 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: 1) Collect. Capture anything and everything that is on your mind. 2) 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)? 3) 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.) 4) Review. Go over Calendar and Action lists daily and do a weekly customized review to get clean and current. 5) 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 order the book, search for “Getting Things Done” at www.amazon.com.

Lower Cholesterol

Worried about your cholesterol? Researchers have found a way to easily reduce your LDL cholesterol by simply adding one key ingredient to your daily diet. What is this magic, secret ingredient that could change your life? WALNUTS! Yes, just by eating 8-11 walnuts every day, you’ll lower your “bad” LDL cholesterol by up to 11 percent. And you can further reduce your LDL significantly by eating more fruits, vegetables, and olive oil.

College Savings Errors to Avoid

Saving for your kids’ college education can be confusing, but it doesn’t have to be a daunting task. Learning the best ways to save can help you avoid costly mistakes – and increase your yield. Mistake #1 – Choosing a plain old savings account When you’re concerned about losing money on an investment, a standard savings account might feel safer. The interest on that account, however, won’t even keep up with inflation, let alone the rapidly rising cost of college.  The Fix – If an aggressive investment isn’t right for you, at least choose a 529 plan, specifically designed for college expenses. Money in a 529 plan grows tax-free until your child uses it to pay for school. And if you’re lucky enough to get lots of grants and scholarships, you can transfer a 529 to another child. Mistake #2 – Believing savings count against you Some parents choose not to save for their children to go to college because they (erroneously) believe a robust savings will hinder their ability to get financial aid.  The Fix – The truth is that it’s primarily what you’re earning – not saving – that colleges take into consideration when granting financial aid, so save away. Mistake #3 – Setting and forgetting it Everyone’s financial situation changes over time, as do tax laws and investment options. But too many people set up savings plans once and never revisit them.  The Fix – It’s important to review your investments on a regular basis, and that’s especially true if your goals are in the shorter term. College investments that get more conservative over time are preferable, as they reduce risk as the child gets closer to college age.

Find Reputable Contractors

We’re getting ready to remodel our home. What’s the best way to find a reputable contractor without being taken to the cleaners? Complaints about home improvement contractors are one of the most frequent grievances received by the Better Business Bureau and the office of state attorneys general. So you are wise to ask this question. Here are five ways you can improve your chances of finding a reputable contractor: 1. Get referrals from other building professionals. Ask professionals who you know. For example, ask your plumber, roofer, painter for recommendations. Since they work with other contractors on other jobs, they know who’s good and who is not. 2. Get references. Get three customer references from the contractor for similar projects that were completed in the past two years. Check these references carefully, and maybe even see the work that was done. Ask them if they would hire the contractor again. 3. Check the contractor’s license, insurance, and permits. Make sure they are in order. Contact the Registrar of Contractors in your area. 4. Get a written cost estimate with specific details, schedule, and the projected completion date. This is one of the most important aspects, just remember if you request changes when the work is being completed it will cost more and you should get those changes in writing as well.

Seattle Seahawks Football

The Hawks have their deepest roster since the 2013 team so expectations are extremely high! Team leader Russell Wilson is entering his ninth season in the NFL with a 101.2 passer rating which is the second highest in the history of the league. Veteran linebacker Bobby Wagner had another amazing season leading the league in tackles. Expect to see Wagner added to the Ring of Honor and join the NFL Hall of Fame when his playing days are over. Last year we overachieved with a young team winning 11 regular season and 1 playoff game. With more experience young stars like D.K. Metcalf and Jacob Hollister we will be super exciting to watch! We added some amazing talent in the off-season with Jamal Adams, Quinton Dunbar and veteran tight end Greg Olsen. We added additional talent on the defensive side by picking Butkus Award finalist Jordyn Brooks in the first round of the draft. Jordyn was a standout linebacker for Texas Tech and is expected to play a factor this year. The Seahawks should be a much stronger defensive team in 2020! We understand no fans will be allowed but I am excited and hopeful for a return to the Superbowl – Go Hawks

Outdoor Living Tips

Making the most of your outdoor living space gives you more space for relaxing and entertaining. Here are some ideas to create your own welcoming areas for outdoor living this summer and fall. ◾Add visual interest to an outdoor space with brightly-painted planters or colorful throw pillows. They’re easy to update when your favorite color changes, and small enough to add more whenever you like. ◾Dual-purpose furniture is useful in a small outdoor space. For instance, bench seating that’s also storage and a table that has a planter underneath reduce the furniture footprint without sacrificing utility. ◾Walkways invite exploration into a larger yard, and keep guests from accidentally stepping on seedlings. Curving walkways through trees or bushes can also create more intimate spaces for entertaining without overcrowding in one spot. ◾Your indoor fireplace is probably a focal point, so why not give your backyard a similar treatment? Digging a fire pit into your lawn is an inexpensive option. If you don’t want to give up that space in your yard permanently, there are also movable fire pit units you can buy, allowing you to store them when they’re not in use. Electric or natural gas radiant heat will greatly extend outdoor living in the fall. ◾Creative outdoor lighting not only provides a warm glow, it also means you can use your outdoor space into the night. Simple DIY solutions include strings of outdoor globe string lights around the porch, small white fairy lights wrapped around tree trunks, or candles in Mason jars twinkling on tables. For an even bigger “wow” factor, wire a chandelier over an outdoor dining table. ◾Combine outdoor lighting and pest control in one. Fill mason jars with fresh rosemary sprigs, slices of limes or lemons, and about 10 drops of lavender essential oil. Add water and a floating candle to the top. Mosquitos don’t like the smell, but you will.

Improve Your Vision With Berries!

The Human Nutrition Research Center on Aging at Tufts University has discovered that the humble blueberry and its European cousin, the bilberry are a uniquely rich source of the powerful antioxidant, anthocyanin. Anthocyanin gives grapes, blackberries, and blueberries their deep blue-violet coloring. Bilberry extract has been used in Europe and Japan as a natural vision-enhancer for years. Beta-carotene combined with 400 mgs. of bilberry have been shown to significantly improve the ability to see in dim light, especially at night. Bilberry extract appears to strengthen the tiny blood vessels behind the eye and prevent macular degeneration. There is strong research-backed evidence that anthocyanin may protect the brain cells from the wear and tear of extended life. They shield the neurotransmitters from age-related changes in the brain. The antioxidants in blueberries could help preserve our memory, as we get older. The Nutrition Research Center suggests eating fresh blueberries for the maximum benefit, or substitute a good bilberry extract from the health food store.

Estate Planning Myths

Just getting started thinking about estate planning? Putting a little thought and effort into estate planning now helps to ensure your final wishes are fulfilled problem-free. Belief: If you don’t have a will, the government takes everything you own. Truth: Without a will or trust, the laws of your most recent home state dictate who receives your assets. Plan: Depending on state laws, your surviving spouse, children, or parents are likely to inherit what you leave behind if you don’t have a will. However, live-in partners, step-children, and other kin will be left out. To ensure your specific assets go to the people you want to receive them, you should outline your wishes in a will or trust. Belief: You have to update your will every time there is a life change. Truth: Some parts of a will “self-adjust” due to life changes. Plan: When putting together an estate plan, discuss possible upcoming life changes, such as adopting a child or buying a home, with your lawyer. He or she can advise under what conditions an update needs to be made to the plan. Belief: The court-supervised probate process of gathering and distributing assets to creditors and inheritors is unavoidable. Truth: Assigning a beneficiary to certain assets helps avoid probate. Plan: If you can assign a beneficiary, such as in the case of a life insurance policy and tax-deferred account, do it. But assets like houses and standard bank accounts don’t allow for named beneficiaries. Creating a revocable trust instead of a last will may help your relatives avoid probate, but make sure everything is actually transferred to the trust. Belief: I’ve created an estate plan, so everything is taken care of. Truth: You should review your estate plan every three to five years to make sure it’s up-to-date and appropriate for your current situation. Plan: Some estate planning documents “self-adjust” due to particular life circumstances, but it’s always a good idea to revisit and close any loopholes. For example, if you recently adopted pets, you’ll want to designate what should happen to them if you die, and if your trustee is no longer an appropriate choice, name someone else in his or her place.

Buyer Beware

U.S. Customs seized $1.26 billion worth of counterfeit goods coming into the country last year. These were the top 6: 1. Handbags/wallets 2. Watches/jewelry 3. Wearing apparel/accessories 4. Consumer electronics 5. Footwear 6. Pharmaceuticals/personal care

Woodinville Wine Country

Wine country is a lot closer than you think! Woodinville has been on the map for many years with Chateau Ste. Michelle. Ste. Michelle is Washington States oldest winery founded in 1954. Their Chateau is on 87 acres of land with mature trees formerly owned by lumber baron Frederick Stimson who used it as a hunting retreat. Ste. Michelle has launched many prominent winemakers careers. They now produce over 2 million cases of wine yearly. Washington is the 2nd largest wine producer in the country with more than 800 wineries. Over 100 are represented in Woodinville! The Woodinville wineries have more 90+ rated vintages than any wine region in the world! When I was a kid my parents loved to take us to Ste. Michelle for the tour and picnic lunch. It was out in the country in those days! In the past ten years Woodinville has exploded in popularity and is now a major tourist destination. Artisan distillers are also a big draw now. Washington State is home to more than 100 distilleries. Woodinville Whiskey Co. is one of the best and offers a tour showcasing their 1,320 gallon handmade pot still making 7 barrels of whiskey per day. They were recently awarded Craft Whiskey of the Year by the American Distilling Institute.

Buying my first home

Buying your first home is a big step, and making mistakes can cost you thousands of dollars. Here are three you should avoid: • Not having a professional home inspection. Review the report carefully so you don’t buy a home with serious issues, such as pests, mold, or water damage. • Not doing a “walk-through” before closing. Visit the property after all the furnishings have been removed so you won’t have any surprises later. • Not understanding the contract. A REALTOR® who serves as your “Buyer’s Representative” will help you understand your responsibilities and guide you through the process.

Stickman Leather

Shawn Bettinger has been hand crafting high quality leather goods since 1995. Each item is designed, cut, and sewn in his Renton studio utilizing the finest #1 grade American leather. They offer a wide selection of bags, belts, cases, backpacks and totes. It feels so good to support our local artisans! shawn@stickmanleather.com / www.stickmanleather.com

What homework should I do before I get a loan to buy a home?

Here are three big things many people don’t consider when buying a home: • Understand how much home you can afford. Calculate the two numbers bankers and mortgage lenders use to determine how much they will loan to you: payment-to-income ratio and debt-to-income ratio (visit Bankrate.com and click “Calculators” at the top for examples). • Understand the basics of home financing. Your ability to afford a home will be related to its price, your down payment (and the amount you’ll finance), the interest rate and points of your loan, the term and the type of your loan. Study these items and the relationship between them. • Save thousands by making your own mortgage acceleration payment schedule. Take your current monthly mortgage payment of principal and interest and multiply that number by 13. Divide that total by 12 to get your new “accelerated” monthly payment. Find a lender who you know is looking after you and your best interests like John Porter at Mortgage Masters 206-954-8736.

Home Office Trend

The value of quality housing has never been clearer. With more employers reluctant to bring their workers back into a busy office environment we will see more and more buyers focused on having additional living space to accommodate working from home. We are seeing increased demand from move up buyers who understand this trend will continue past 2021. Many employers will realize they don’t need large offices as workers embrace new technology. Buyers who need to work from home want more bedrooms and less open space. Buyers who need more breathing room will focus on purchases outside the city core where additional square footage is less expensive. I assume builders will begin to accommodate this new reality into building plans in the coming years. Buyers need home offices! Low interest rates have helped fuel the market and are forecast to remain near historic lows. Housing Wire, a news portal indicated we recently hit the lowest rate Freddie Mac reported since 1971! Buyers feel confident in this market knowing they will lock into a low interest rate loan. Both buyers and sellers will benefit from gaining insight into our local markets. The Frasch Team can be invaluable in this process. Whether buying or selling it is critical to get a Realtor who knows the market and has a proven track record. The Frasch Team has been serving our local community for over 20 years, and would love to go to work for you today.

Hurricane Ridge Viewpoint

Located 18 miles from Port Angeles in the Olympic National Park you can drive to the visitor center at an elevation of 5,242 feet. A 1.6 mile paved trail is perfect for non-hikers. Hikers have moderate to severe trials that descend to subalpine lakes. The visitor center has a gift-shop, snack bar, picnic areas and visitor tips. The mountain views along with views of Victoria and Mount Baker will astound you! Be prepared for strong winds (hence the name) and the possibility of snow even in the summer. It is rare to have a well maintained road lead this high into the mountains. Enjoy!

NW Blackberry Season

Here we are in the middle of summer and the start of free fruit season. Walkout your front door and find a sunny bramble and go for it! You can purchase local berries at PCC or farmers markets but major grocery chains don’t feature them because they have such a short shelf life. I hope I inspired you to get out and harvest some luscious berries before they are gone. Pro Tip- Off the vine on Vanilla Ice-cream.

Rent And Save Money

People accumulate a lot of stuff throughout their lives, but they may only need certain things periodically. When that’s the case, rent instead of buying to save money and help the environment!  Lawn and power equipment: Rent tillers, concrete saws, carpet cleaners, and more at your local home supply store. Most rentals are for a minimum of four hours.  Formal clothing: If you need to dress up for one black-tie event, check out renttherunway.com or lendingluxury.com. Choose the perfect outfit for the night, and return it once it’s over. Rental prices are about one-third the retail price.  Party supplies: Throw the event of the year, but don’t stress too much over all the things you need to purchase. Party equipment vendors can supply dishes, décor, and furniture, all delivered right to your door.  Recreational equipment: Thinking of taking up golf or going camping? If you only participate in an activity occasionally, rent from local sports outfitters and save hundreds of dollars on gear that would otherwise collect dust in your garage.

Schmitz Park - West Seattle Gem

Find a Hidden Gem at Schmitz Preserve Park Have you ever wondered what the Seattle forests looked like? Well the last of our untouched old growth forest is located in West Seattle! Former parks commissioner Ferdinand Schmitz was watching our forest rapidly disappear and decided to act. His 1908 donation allowed a small piece of it to remain as nature intended. Enjoy!

Budget Tips

Having a budget is more important than ever before, but sticking to one takes time and discipline. Here are ways to help you become a better money manager. •Track your spending. Most people spend their money on food, housing and transportation, but there are many other categories, like household costs, debt payments and entertainment. Try this: Write down every dollar you spend in a two-week period and see what you can cut on the list. Doing this with your spouse and your family members will turn up even more surprises. •Account for your cash. Does it just “disappear” from your wallet? Try tracking where it is spent. Sometimes, using debit or credit cards for expenditures can help with accounting. •Understand your debt (mortgage, student loans, credit cards) and set goals to reduce it. Federal Reserve statistics say the average household owes $7,529 on their cards. For indebted households, the average is $16,140. This is a major undertaking, but check out sites like www.creditcards.com for ideas on how to deal with high debt (for example, negotiate lower interest rates). •Have a savings goal, including an emergency fund, as part of your budget. What if you need major car repairs or a new furnace? Start small and add to this category gradually or you’ll have to fall back on those credit cards. For long-term planning, review your investments and consult an expert if you need one. •Use a tool like Quicken or Google Docs spreadsheets. They’re inexpensive or free and make it easier to track and categorize your expenses, set budgets, create reports and more.

Dangers of Common Cleaning Products

You’d like to think that the cleaning products you use are making your house cleaner, and therefore safer – but many common cleaning supplies can be dangerous to your health. According to the Environmental Working Group, one of the world’s leading toxic research organizations, here are four you should replace now, along with safer alternatives: • Simple Green All-Purpose Cleaner. This cleaner is one of the worst because the manufacturer advertises it as “non-toxic.” Some of its ingredients are banned in Europe! A solvent it contains can also damage your blood cells. Try: Make a solution of one part white distilled vinegar/nine parts water for a cheap and safe cleaner. • Scrubbing Bubbles (Antibacterial Bathroom Cleaner and Extend-a-Clean Mega Shower Foamer). Both of these products contain another substance banned at high concentrations in Europe: the solvent DEGBE, which can irritate your lungs. Try: Baking soda works amazingly well when scrubbing the bathroom, tub, and shower. It also won’t inflame your lungs. Try mixing it with a little salt and water to make a paste. • Mop and Glo Multi-Surface Floor Cleaner. This also contains the chemical DEGBE at a concentration (15%) far beyond what’s allowed in Europe (3%). Try: Make your own floor cleaner with a mixture of 50/50 vinegar and water, or 1/2 cup vinegar and 1 tsp. vegetable oil for wood floors. Also try Branch Basics at branchbasics.com or Mrs. Meyers Clean Day products at mrsmeyers.com. • Drano Professional Strength Kitchen Crystals Clog Remover. This product can cause blindness or even death if ingested. It can stay in the drain after use, and become even more hazardous when mixed with other chemicals. Try: Use a toilet plunger or drain snake when faced with clogs and skip the chemicals. You can check other products you have in your home at: ewg.org

first-time homebuyer tips

The best advice is to learn from the mistakes of others. Here are two of the most common mistakes I see: • Not knowing what you can afford. Examine your budget, get a copy of your credit report, and sit down with a qualified lender to determine how much of a loan you can afford. Ask your REALTOR® for several lender recommendations and comparison shop for a mortgage before looking for a home. • Forgetting to consider the overall costs of home ownership. You can make the monthly payment, but remember to add in the cost for homeowners’ insurance, property taxes, utilities, plus maintenance.

7 Steps to Happiness

Albert Schweitzer once wrote, “Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.” Here are seven steps you can take today to achieve more happiness and success in your life: 1. Believe In Yourself. Identify your natural talents and abilities. Do what you enjoy and what you do best. Truly successful and happy people find joy in their working lives. Invest your time in what you do best. Focus on your strengths and not your weaknesses. 2. Develop a Vision. First, define your path and start working your plan. Write down a vision for yourself and your life. Be specific. What do you want to accomplish? What do you want your life to look like in 5 years, 10 years? 3. Develop Good Habits. Happy and successful people choose good habits. If you’re watching too much TV, chronically late, or eating poorly, make a commitment to change your bad habits into habits consistent with your goals. 4. Show Gratitude. The happiest people are also the most grateful people. Count your blessings frequently and you’ll quickly start seeing a change in yourself and the world around you. 5. Take A Chance. Seize opportunities! Success and happiness does not come to those who sit and wait for it to be brought to them. 6. Give to Others. Studies reveal that the happiest people are also the most generous. Do, say, or give something nice to another and see how your own life improves. 7. Take Responsibility. You hold the key to your future. Take responsibility for your actions. Choose the work you like to do, and do it well. Ultimately, you are the master of your fate. You choose your own future by the decisions you make and the actions you take.

West Seattle Golf Course

West Seattle Golf Course is the pride of our city’s courses! Designed by H. Chandler Egan two time winner of the U.S. Amateur and The Gold Medal at the 1904 Summer Olympics. Besides designing WSGC he built Eastmoreland, Waverly CC, Indian Canyon and partnered with Alister MacKenzie to redesign Pebble Beach as we know it today. PGA of America Head Pro Colin Gants has won two national PGA President Council Awards and has been the steward of WSGC since graduating from the UW in 1990. Colin will once again oversee the final round our city’s premiere amateur tournament – The 85th Seattle Amateur Championship this July. Playing WS requires all of the shots and tons of strategy to stay below pins on the steep greens. You need to learn to hit off uneven lies and work the ball to find correct spots in the fairways. The views of Mt. Rainier and downtown Seattle are spectacular! The course is in outstanding condition! 4600 35th Ave SW 206-935-5187 premiergc.com

Player Profile – Phil Mickelson

I will be rooting for Phil Mickelson to win his fourth Green Jacket and become the oldest player to win the Masters! Phil has won 42 PGA events including 5 Majors. He is the last player to win on Tour as an amateur; he won the Tucson Open in 1991 while attending ASU. By winning as an amateur he received a 2-year exemption and was able to skip Q-School. Phil has had an amazing run in the top 50 world ranking! He broke into the top 50 in 1993 and has never left. With top 10 finishes already this year he is sure to stay in the top 50 for quite a while. Never finding the coveted world number one (ask-Tiger) he has spent 270 weeks in the second spot. Phil also holds a record that he doesn’t want; he has been runner up at the US Open six times. Part of the reason I am a fan is because he has emulated Arnold Palmer’s playing style and gallery recognition. Go Phil!

Got Clutter?

Got Clutter? Author Peter Walsh says do the trash bag tango! Have your family go around the house with two trash bags in hand. Place items to throw away in one and items to donate in the other. Do this often and you’ll clean up in no time!

Life’s Truisms…

• Money doesn’t bring you happiness, but it enables you to look for it in more places. • Your conscience may not keep you from doing wrong, but it sure keeps you from enjoying it. • The trouble with bucket seats is that not everybody has the same size bucket. • A closed mouth gathers no feet. • Money isn’t everything...there’s credit cards, money orders, and travelers checks. • A modern pioneer is a woman who can get through a rainy Saturday with a television on the blink. • Misers aren’t much fun to live with, but they make great ancestors.

West Seattle Will Thrive!

You might be worried about living in West Seattle sans bridge but Westseattleites are not easily scared away. West Seattle was incorporated as a city in 1902 and annexed into Seattle along with the City of Ballard in 1907. If you are worried about the detraction of home values just wait until the new bridge is built or the current one is repaired. You have all you need and much more! Alki has 135 acres of public space and a sandy beach with views of downtown, shipping lanes, and the Olympic Mountains. This is paradise right in the city and with the bridge out it should be less crowded and more relaxing for those living in West Seattle. Lincoln Park is a nature lovers gem with old growth forest, miles of walkways, tennis courts, ball fields and a saltwater swimming pool. It is a great place to birdwatch for Bald Eagles and watch the ferry traffic. West Seattle Golf course was designed by U.S. Amateur Champion H.Chandler Egan in 1940. Incredible layout makes you hit a wide variety of shots; most from uneven lies. The final round host of the Seattle Amateur Championship is a stern test for all skill levels.