September 2019 Serving All of Central MD

Inside This Issue…

• Page 1 - Lesson On The Path Of Life!

• Page 2 - Icy Hot News

• Page 2 - FREE Central Maryland Business Referrals!

• Page 3 - MDREPros Hot List!

• Page 4 - Financial Corner - Can “AI” Help Investors?

• Page 4 - Throw A Great Summer Bash!

• Page 5 - Laughter Corner

• Page 5 - Signs You’ve Out-grown Your Home

• Page 6 - Be Happy At Work

• Page 6 - Get Out Of A Slump!

Maryland Real Estate Professionals…

Realtors With Exceptional Service For Life!

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

Lesson on the Path of Life There once was a very wealthy king. Known for his

mischievous streak, the king would often stave off

his boredom with practical jokes. One day, he had

a huge boulder placed in the middle of a road.

Then, he hid nearby to see if anyone would try to

remove the gigantic rock from the road.

The first people to pass by were some of the king’s

wealthiest merchants and courtiers. Rather than

moving the boulder, they simply walked around it

and loudly proclaimed that the king must be up to

one of his tricks. A few merchants complained that someone ought to be

maintaining the roads. Many people just silently walked around the giant

rock. Not one of them tried to move the obstacle from the road.

Finally, a peasant came along, carrying a huge basket of flavored oils. He

had worked hard to infuse rosemary and sage into the oils, and he

planned to sell them to the royal cook. When he got near the boulder, the

peasant put down his heavy load and tried to move the stone to the side of

the road. It took a lot of effort but he finally succeeded in rolling it out of

the way so nobody would get hurt.

After the peasant hoisted his basket and was ready to go on his way, he

saw a pouch lying in the road where the boulder had been. He put the

basket back down and opened the pouch. It was stuffed full of gold coins.

Attached to the inside was a note from the king stating that the gold was a

reward for moving the boulder from the road.

The king showed the peasant what many of us never understand: every

obstacle presents an opportunity to improve our condition.

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Back to School The National Retail Foundation has been conducting its annual Back-to-School and Back- to-College sur-veys since 2003 and uncovered a few facts from math class: • More than half of all school supply consumers

plan their shopping around online sales. • Men spend $115 more on average than women

on back-to-college. • Shoppers spend more on back-to-school supplies

than on Mother’s Day, Father’s Day and Valen-tine’s Day combined.

• Teachers reported

spending $479 each on average and 7% report-ed spending more than $1,000.

• Back-to-college drives

the majority of spend-ing: an expected $55.3 billion for this year alone.

Icy Hot News

Making ice is easy, right? Just pour some water into a

tray, pop it into the freezer, and wait a few hours...

Actually, as an article on the Popular Mechanics web-

site points out, there are many different kinds of ice.

The ice we use in drinks is called Ice I. Other types of

ice— almost two dozen varieties— are created by

applying pressure to ordinary ice. Scientists at Law-

rence Livermore National Laboratory, hoping to cre-

ate an exotic new form of ice, conducted an experi-

ment: They trapped a droplet of water in a tight

space and then blasted it with six lasers.

The lasers heated the droplet to approximately 4,000

degrees Fahrenheit, which compressed it by creating

a pressure a million times higher than the Earth’s at-

mosphere. The result, Ice XVIII, isn’t found on Earth

outside of the lab, but scientists believe it could be

formed on icy worlds like Uranus and Neptune, wa-

tery planets whose size might be capable of produc-

ing the same heat and pressure sustained in the la-

boratory. If so, this new ice could help astronomers

better understand the worlds in our solar system and

across the galaxy.

FINANCIAL FOCUS

Get Free money-saving home tips at my web site: www.MDREpros.com

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

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

Can “AI” Help You Become a Better Investor

For the past several years, artificial intelligence - or AI – has increasingly found a place in many walks of life. Almost certainly, you use some form of AI, whether it’s your time on social media, your use of mobile banking, the navigation system you rely on for directions, or any of the many other AI - driven applications rele- vant to your daily life. But AI has also become a significant part of the financial services industry. So, you might wonder if AI can help you become a better investor. To begin with, what is AI? Essentially, it’s the ability of a computer program or machine to think or learn. Using complex algorithms (a set of rules, or steps), computers and machines can mimic many of the thought processes of human beings. But how can you use AI to invest? And should you? In the financial services world, many companies use AI to select investments for specific funds. On an individual level, you can work with an AI-powered “robo- advisor” to build an investment portfolio. These robo-advisors are typically quite affordable, and they generally follow proven investment principles, such as diversification, in making recommendations. Yet, you are more than just the sum of your answers to a robo-advisor’s online questionnaire. Investing is a highly per-sonal matter, which means that, in the following areas, you may well benefit from some human intelligence – and empathy: • Understanding of your risk tolerance – A robo-advisor will ask you to identify your tolerance for risk – low, medium, high – and will plug in your answers when constructing a portfolio. But only a human financial advisor – someone who truly knows you, your personality, can know how your sensitivity to risk might cause you to react to events such as sudden market declines. • Answers to qualitative questions – A robo-advisor can provide you with many key data points – rates of return, project ions of future accumulations, etc. But so can a personal financial advisor, who can also go beyond the numbers to help you answer qualitative, subjective questions: How can I save for college for my children and my own retirement at the same time? • Guidance for the “big picture” – Your investments are important, but they’re also connected to other areas of your life, including your taxes and your estate plans. And while a finan-cial advisor might not provide you with tax or legal advice, he or she may be able to connect you to other, appropriate profes-sionals, and work with them to help you put together your “big picture.” That’s not something a typical robo-advisor is equipped to do. Artificial intelligence will support many of your activities throughout your life. But when it comes to investing, a personal touch may never become obsolete.

Tiny Dino

When you think of the Tyrannosaurus

rex, you probably imagine the giant pred-

ator reptile from the movie Jurassic Park

and its sequels. Scientists have discov-

ered an early cousin, though— one who

was barely three feet tall.

According to the U.S. News & World Re-

port website, the new species was uncov-

ered in New Mexico. Dubbed Suskityran-

nus hazelae, based on a Native American

word for “coyote,” it lived about 92 million

years ago, long before the 9-ton T. rex

The Veggie Crunch

Your parents probably told you to take

your vitamins, and TV ads tout the

benefits of supplements. However,

according to the USA Today website,

scientists at Tufts University say that

supplements may not be the best way to

get the nutrition your body needs. Other

studies USA Today reports, have also

called the value of supplements into

question.

They studied data collected from more

than 30,000 people 20 or older. The

results showed that the right amount of

magnesium and

vitamin K can lower the

risk of early death; and,

vitamins A, K, and zinc

can reduce the risk of

death from cardiovascular disease, but

only if they’re consumed in food, not

supplements.

Maryland Real Estate Professionals

w/REMAX Realty Plus 301-831-5600 - O 301-418-8640 - C

Mark@MDREPros.com www.MDREPros.com

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

Four Signs You’ve Outgrown

Your Current Home It’s not uncommon for couples with growing families to trade in their compact cars for something roomier, like a mini-van. The same thing happens with homes. Sometimes families simply outgrow them. How can you tell if that’s happening with your property? Here are some sure-fire signs:

1. You need more space. This is the most common reason people upgrade to a new home. They need more room. For any number of reasons, you might want an extra bedroom, a larger living room, a bigger backyard, or a more spacious kitchen. Rather than put up with feeling cramped, consider exploring the extra space a new home can provide.

2. A renovation won’t fix it. Sometimes, when a property doesn’t fit its owners’ needs anymore, they consider a reno-vation. For example, if they need more space for a home of-fice, they convert a spare room. However, a renovation doesn’t always fix the problem. For example, building a dou-ble, rather than single driveway and garage, may not be pos-sible given the constraints of your property. Only a new home can solve that problem.

3. You’re interested in a new neighborhood. The neighbor-hood may have been perfect for you at one time. But needs evolve. You may now be looking for something the area doesn’t provide - like closer access to a recreational activity your family enjoys, or a more convenient commute to work. If that’s the case, it might be time to look at other neighbor-hoods you’d like to consider, and see what types of homes are currently available there. 4. It’s time for a change. Sometimes you simply feel it’s time for a change. There’s nothing wrong with that. Don’t feel you need a practical rea-son to sell and find a new home. If this feels like the right time for you and your family to move, go for it.

Be sure and contact me, it you need help financing for a bigger home!

THANK YOU for reading my personal newsletter. I wanted to

produce a newsletter that has great content and is fun and valuable to you.

Your constructive feedback is always welcome.

AND…whether you’re thinking of buying, selling or

financing real estate, or just want to stop by and say

“Hi,” I’d love to hear from you…

LAUGHTER CORNER

I like work. It fascinates me. I sit and look at it for hours.

****************************** If flying is so safe, why do they call

the airport the terminal? ******************************

After a certain age, if you don't wake up aching in every joint, you are

probably dead. ******************************

An apple a day keeps the doctor away. An onion a day should take

care of everyone else. ******************************

With sufficient thrust, pigs fly just fine.

****************************** Never do today that which will be-

come someone else's responsibility tomorrow.

****************************** To be sure of hitting the target,

shoot first and call whatever you hit the target.

****************************** Behind every great man is a puzzled

woman. ******************************

If work was so good, the rich would have kept more of it for themselves

****************************** Artificial intelligence is no match for

natural stupidity.

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

How to Be Happy at Work

Most jobs aren’t perfect, but that doesn’t mean you have

to be miserable all day. Monster.com offers these tips for

making it through the day with a positive outlook:

• Keep personal problems at home. Concen-

trating on work will help you remember that

you’re capable and competent, which will im-

prove your mood throughout the day.

• Build a workplace nest. Decorate your office

or cubicle with some simple things that make you

happy like photos of your family, brochures for a

vacation you’d like to take, items that motivate

you, and the like.

• Create a workplace support system. Make

friends with co-workers who give off positive

vibes. Talk about what you enjoy and focus on

tasks that you look forward to completing.

• Get organized. Eliminate clutter and plan your

day so you can succeed and feel good about it.

• Move around! Get up often for a walk around

the workplace to get your blood flowing and say

a quick hello to co-workers along the way. Take

a walk at lunch for some fresh air. Exercise im-

proves your mood as well as your health.

• Eat right and drink lots of water. Pack

lunches that are high in fruits, vegetables and

protein. Drink plenty of water to stay hydrated

throughout the day.

• Don’t try to change your co-workers. Mini-

mize your contact with negative people and learn

what makes your co-workers tick. You might

make a friend for life!

Tiny Dino When you think of the Tyrannosaurus rex, you probably imagine the giant predator reptile from the movie Jurassic Park and its sequels. Scientists have discovered an early cousin, though— one who was barely three feet tall. According to the U.S. News & World Report website, the new species was uncovered in New Mexico. Dubbed Suskityrannus hazelae, based on a Native American word for “coyote,” it lived about 92 million years ago, long before the 9-ton T. rex appeared on the scene, and weighed about 90 pounds. Other remains of T. rex’s ancestors are even smaller, but the recent find offers a fresh example of how these smaller dinosaurs evolved into the towering thunder lizards depicted in movies.

Poochie Power

It’s a happy day when a lost dog finds its

way home, but how does it get back? A

New York Times article offers two

explanations:

It could be that a dog’s hypersensitive

sense of smell allows them to create a

map of scents around their

neighborhood, using gardens or grocery

stores and human aroma as markers.

Or, it could be that they are sensitive to magnetic

orientation. One study of dozens of canines

observed that dogs tend to adopt a north-south

orientation when they relieve themselves outside

in an open area, but that preference vanished

when the magnetic field around them was

disturbed.

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Interstellar What?

The latest movie previews may feature a flick about

the world being struck by an object from deep space,

but scientists believe it’s already happened— just five

years ago. The CNN website reports that two Harvard

researchers think a meteor that entered Earth’s

atmosphere in January 2014 may have come from

interstellar space.

The meteor, no bigger than a yard across, burned up

over Papua New Guinea after hitting the atmosphere

at 37 miles per second. The science team calculated

the meteor’s trajectory based on its speed and

concluded that it originated outside our solar system,

perhaps a long time ago in a galaxy far, far away.

Most of the advice for success you find is familiar and

predictable: work hard, be persistent, network, never

stop learning and so forth. Here’s some counsel from

the Ladders website that may surprise you:

• Know what you want. This is seemingly simple ad-

vice, but to make it work, you’ve got to ask yourself

what you want. The first few answers will be superficial:

“I want more money. I want a new car. I want a better

job…” Dig deep to get to what you’re really looking for:

“I want to serve others. I want to make a difference in

the world. I want to help people find their inner

strength.” Follow that goal.

• Look at your crossroads. We all remember mo-

ments when we made a crucial decision that shaped

the rest of our lives. Go back to one and explore it.

Write down the decision in a few paragraphs, then con-

sider the factors, emotions, events, and concerns that

led to that choice. Would you make the same decision

today? Why or why not? This will help you make better

career and life decisions in the future.

• Examine your history. Take a long view of your

past. How did you end up where you are now? Who

helped you? What activities consumed most of your

time and attention? How have your dreams changed?

A thorough understanding of where you came from will

help guide you on your path to future success.

Dig Deep to Find Success

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

This newsletter is intended for entertainment purposes only. Credit is given to the authors of various articles that are reprinted when the original author is

known. Any omission of credit to an author is purely unintentional and should not be construed as plagiarism or literary theft.

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

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

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

Go to

www.MDREPros.com/Funday-Monday.html Or write Mark@MDREPros.com

And enter the correct answer for this months contest!

Q. Since 2001, Canadian money has been made of recyclable synthetic polymer, but what are United States dollars made of?

A. Tea leaves

B. Plastic

C. Wood fiber paper

D. Cotton & linen

The Milkshake

A grasshopper walks into a diner and takes a seat.

The server says,

“Did you know we have a milkshake

named after you?”

The grasshopper looks at him and replies

“Why would you name a drink ‘Steve’?”

Lofty Goals

A helicopter crash left Kirstie Ennis with spinal

damage, a traumatic brain injury and a shattered left

leg that would eventually be amputated above the

knee.

However, Ennis refers to the day of her accident

in June 2012 as her Alive Day because, though her life

would change in many ways, she was still here to enjoy

it. As she recovered from her injuries and began to re-

build her life, she found comfort and purpose in all the

things she loved and could do.

She has since snowboarded in the Paralympics,

walked across the U.K. in honor of wounded and fallen

soldiers and even worked as a stuntwoman in the mov-

ie Patriot Day. She then set her sights much higher.

Ennis plans to be the first woman with a knee

amputation to summit the highest mountain of each of

the seven continents. Since 2017, she has conquered

Kilimanjaro in Africa, Carstenz in Oceania, Iliniza Norte

in Ecuador and came close to finishing Everest but had

to turn back due to a shortage of oxygen.

Ennis believes that you are the only person who

can determine your abilities and disabilities