Shirley Kosiancic's... Service For Life! ®

Insider Tips for Healthy, Wealthy and Happy Living – View in browser

Shirley Kosiancic's...
Service For Life! ®
Inside This Issue...
  • Save $$$ By Lowering Your Winter Power Bill...
  • What To Do If Someone Is Following You...
  • Fun Facts and Laughs: 4 Ways To Happier Holidays, Homemade Flu Fighter, Websites For Medical Advice, And More...
  • Fun Trivia Challenge: Can You Do It Without Google?
  • Real Estate Q&A: What Do I Need To Know About Negotiating When Selling My Home?
If you're not already a subscriber to my free e–newsletter email me to sign–up
Shirley Kosiancic Shirley Kosiancic
Century 21 Mountainview Realty
Phone: (250) 265-8040

Dear Friend...

I am commited to keeping you current about the latest real estate updates, tips and tricks for your home, new listings and other industry news through electronic newsletters, email notices, and other electronic initiatives. I hope you enjoy receiving them. You may withdraw your consent at any time by unsubscribing at the end of this news letter, however, please note I may still continue to communicate with you electronically in relation to your current or pending transactions, inquiries or requests. I want to keep you connected! And now the newsletter...

Did you know that helping our environment can also save you money? If you’re like most people, you want to save money. According to the U. S. National Resources Defense Council, the two biggest offenders of global warming are cars and coal-burning power plants.  What can you do about it? In today’s Service For Life® Free consumer newsletter, you’ll learn 10 easy things you can do to save money on your energy bill. 

You’ll also learn four ideas for happier holidays, how your electronic devices are affecting your health, what to do if you’re being followed, how to get the designer look for less with eyeglasses – plus fun facts, a fun trivia challenge, and lots more.

I truly appreciate your friendship and referrals.  Like me on Facebook to get updates on blogs and other great real estate info Enjoy your issue!

Shirley Kosiancic

Shirley Kosiancic, REALTOR®
Century 21 Mountainview Realty

P.S. When you notice people talking about real estate in the next few weeks, can you tell them about the free consumer information I provide?

They may be people with a growing family and they need more room. You can help them buy their dream home for a lower payment than they might think is possible by mentioning my Free Consumer Report "7 Secrets For Saving Thousands When Financing Your Home." To request a copy for a friend, simply email me by clicking here.
Today's Brain Teaser . . .
I can sizzle like bacon, I am made with an egg. I have plenty of backbone, but lack a good leg. I peel layers like onions, but still remain whole. I can be long like a flagpole, yet fit in a hole.
What am I?

  (see answer below)
10 Ways To Save BIG On Your Energy Bill 
Did you know that helping our environment can also save you money?  According to the National Resources Defense Council, the two biggest offenders of global warming are cars and coal-burning power plants.  What can you do about it?  Here are 10 easy things you can do to save money on your energy bill and help reduce global warming:
  1. Turn Off The Power. Turn of your lights, computer, stereo, and TV equipment when you’re not using them. You’ll begin saving money immediately.
  2. Recycle. When you recycle your bottles, cans, newspapers and cardboard, you reduce CO2 emissions by up to 850 lbs. per year.
  3. Drive A Fuel Efficient Car.  
  4. Walk, Bike, or Carpool. You’ll save money on fuel, improve your health, and help reduce CO2 emissions.
  5. Use “Low-e” Thermal Windows and Doors. Consider these if you’re remodeling.  They cost slightly more, but save a bundle in the long run.
  6. Insulate Your Water Heater. Water heaters consume 20% of a home’s energy bill. Plus, lower your heater’s thermostat to 120F, and you’ll save 6% a year on your home energy bill and cut carbon dioxide emissions.
  7. Replace Old, Inefficient Appliances. You’ll save money by buying high efficiency appliances – reducing CO2 emissions.
  8. Make Your Home Energy Smart. You’ll save money on your home heating and cooling bills when you insulate, caulk, and weather strip your doors and windows. This also will significantly reduce CO2 emissions.
  9. Use A Low-Energy, Low Water Use Washing Machine.Using warm and cold water will help you save money and reduce CO2 emissions.
  10. Tire inflation. Under-inflated tires waste 5% of a car’s fuel cost. Keep tires properly inflated and make sure your car is well maintained. This will extend the life of your car, save fuel, and reduce CO2 emissions.
Forward this to a friend

Thinking Of Selling Your Home Soon?
Don’t attempt to sell your home without my Free Consumer Guide, “6 Steps For Selling Your Home For Top Dollar.” My exclusive report will give you all the facts for a fast, top dollar sale. To request your copy, email me by clicking here.
What To Do If Someone Is Following You
The feeling that someone might be following you is terrifying. Though it’s not likely, what would you do if the feeling became reality? Being aware of your surroundings is the best way to tell if someone is actually following you. Whether you’re on foot or in a vehicle, here’s how to know if someone’s tailing you and then how to handle the situation:

How to Tell
  • Try not to act as if you’re looking for the person following you. Keep walking or driving at the same speed, and try not to look over your shoulder.
  • Notice small details. Is the car behind you taking all of the same turns? Does the suspicious person take a turn away from you but re-appear minutes later?
  • Walk or drive more slowly. If you’re in a car, move to the right lane and drive a few miles under the speed limit. If you’re walking, stop for a moment and notice if people around you stop as well.

What to Do
  1. Stay calm. Don’t speed or panic because you’ll be more likely to cause an accident.
  2. Be confusing. Change your route, stop, retrace your steps, take a quick exit or enter a store unexpectedly.
  3. Call the police. It’s better to let the professionals handle the situation. Let them know exactly where you are and describe the suspect person or vehicle in detail.
  4. If you’re being followed, don’t drive home in case it’s a criminal with bad intentions. You don’t want them to know where you live. Instead, drive to the nearest police station or busy public area.
Forward this to a friend

Here’s A Free, Valuable Resource...
Now You Can Search The Home Market, Get Helpful Community Information, AND Receive Important Resources For Saving Time And Money When Buying Or Selling
Fun Facts and Laughs

4 Ways To Happier Holidays . . .

The holidays can get stressful in a hurry. Try these simple methods for celebrating the season – and make it easier for you and your family.
  1. Focus on the act of giving, not the presents themselves.Buy gifts for the kids, but get your kids involved in giving homemade gifts (cookies, picture books) to other family members.

  2. Start a family gift exchange. One idea: have family members put books they’d enjoy on an wish list. Share those lists and choose the books you want to give them.

  3. Participate in (or donate to) a charitable activity. Check out a site like, but start looking early to make sure you are matched with the organization you want. On a smaller scale, bake something special and deliver it to a fire station or senior citizens’ home.

  4. To ease your own stress, remember to plan ahead. Use a calendar to set aside days for exercise and rest, and learn to say no if you have too many commitments.

    Nov 2015 2
Forward this to a friend

Cash Facts
  • Bat hair has been used as money!
  • There are giant gold coins in Canada worth $1 million Canadian $790,000/US (as big as pizzas and about 200 lbs!)
  • More Monopoly money ($30 billion) is printed each year in the US than real money.
  • Bob Marley’s son says his father's last words were “Money can’t buy life.”
Quotes To Live By…
I believe things cannot make themselves impossible.
–Stephen Hawking
If you haven’t seen your wife smile at a traffic cop, you haven’t seen her smile her prettiest.
–Kin Hubbard
Life is a journey. When we stop, things don’t go right.
–Pope Francis
Business Card Tip
If you lose business cards that people hand you, here’s a tip:  Use an app such as CC – camcard, to take a photo of the card with your smartphone, which saves to a “Business Cards” folder on your device, to your contacts, and to cloud storage. You’ll never lose another important contact.

Homemade Flu Fighter. . .

If you’re trying to recover from the flu or a cold, doctors say to get plenty of fluids and electrolytes. Store-bought sports drinks contain processed sugar and artificial ingredients, though, so why not try making your own? This recipe is much healthier.

In a blender, combine:
2 cups of filtered water...
1/2 cup of fresh orange juice...
1/2 cup of fresh lemon juice...
1/8 teaspoon of sea salt...
and 2 – 4 Tbsp. of organic raw honey.

Forward this to a friend

Websites for Medical Advice . . .

These websites can help you do some research before a visit to your doctor. – Find credible, timely information from an award-winning site: helpful medical and health information, online support communities, and expert commentary. – The non-profit, number-one-rated hospital has detailed information about healthy lifestyle, drugs and supplements, and tests and procedures. – 24/7 Health Advice You Can Trust. Call 8-1-1 from anywhere in British Columbia to speak with a nurse any time of the day or night.

Forward this to a friend

Have A Laugh – Boat Tales. . .

A riverboat captain was bragging to his passengers about how long he’d been captaining boats. “I’ve been on this river for so many years, I know each and every sandbar personally!”

Just then the boat rammed into a sandbar so hard, the entire boat and all its passengers were shaken violently.

“Look, there’s one of them now!” shouted the captain.

Forward this to a friend

Thank You!  Thank You!  Thank You! 
Thank You! Thank You!

Thanks to all of my clients and friends who support my practice and graciously referred me to your friends and neighbors. Rather than pester people with unwanted calls and visits, I build my business based on the positive comments and referrals from people just like you. I couldn't do it without you!

Trivia Challenge for the Month...

“Who Can Answer Without Google?”

  What famous skateboarder was the first person to perform a trick called the 900. which is 2.5 rotations in the air? 

 a) Tony Alva    b) Ryan Sheckler   c) Shaun White    d) Tony Hawk

       The answer is d) Tony Hawk – nicknamed The Birdman, he is
one of the most successful pro skateboarders in history. He has even skated at the White House – with permission! Now let’s move on to this month’s trivia question.


 What ancient city and UNESCO site is carved into a sandstone cliff? 
a) Ur   b) Petra   c)  Palmyra   d)  Carthage
 Stay Tuned To Next Month’s Service For Life News Letter For The answer, Or Ask Google, If You Have A Need To Know. Have An Interesting piece of Trivia To Share? Email me or call me at (250)265-8040 and You May See It Here Next Month!
Brain Teaser Answer:
A snake
Thanks For Thinking of Me!

Did you know I can help you or any of your friends or family save time and money when buying or selling a home? Thanks for keeping me in mind with your referrals...and spreading the word about my services.
Real Estate Q & A . . .
Q.  What do I need to know about negotiating when I sell my home?
A.   Revealing too much information to buyers when you’re negotiating the sale is a common, costly mistake. To get the most for your home:
  • Work with a professional REALTOR® who knows questions to ask potential buyers that determine their motivation for buying and what price they can afford.
  • Don’t mention the “appraisal” value of your home at a showing to try to persuade a buyer to pay more for it. An appraisal may not be accurate and is not the best indicator of the value of a home.
  • Don’t tell a buyer why you’re selling (especially if you need to sell it quickly). Just say your housing needs have changed.
You can learn about six more costly mistakes in my Free Consumer Report called “How To Avoid 7 Costly Mistakes When Selling Your Home.” Call me and I’ll send a copy right over to you.

Do you have a real estate question you want answered? Feel free to call me at (250) 265-8040 or email me by clicking here. Perhaps I’ll feature it in my next issue!
Forward this to a friend

THANK YOU... for reading my Service For Life!® personal newsletter.  I wanted to produce a newsletter that has great content and is fun and valuable to you.  Help your friends get more out of life by forwarding this email to them...
Share this issue with family and friends --- Forward To A Friend
Shirley Kosiancic

Shirley Kosiancic

CENTURY 21 Mountainview Realty Ltd.
Contact Me