SLV Talk’s March Edition


Michael Sherard’s…header-michael-2012
SLV Talk’s
Insider Tips for Healthy, Wealthy and Happy Living
Inside This Issue…
  • Top 10 First Aid Mistakes & What You Should Do Instead…
  • Financial Tips If You’re Planning On Having Children Soon…
  • Fun Facts and Laughs: Things Your Plumber Won’t Tell You,Useful Education Websites, And More…
  • Trivia Challenge: How smart are you? 
  • Real Estate Q&A: What Homework Should I Do  Before I Get A Loan To Buy A Home?…
 “The optimist sees opportunity in every danger; the pessimist sees danger in every opportunity.”  
 …Do you think you’d know what to do in an emergency? You may be doing the wrong thing and making the injury worse. That’s why, in this month’s  SLV Talk’s Free consumer newsletter, I want to share the top 10 first-aid mistakes and the correct response to each situation according to the Red Cross.You’ll also learn three important financial tips if you’re planning to have children soon…plus fun facts, a trivia challenge, and lots more.

Michael Sherard
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 wanting to move this year, and you can tell them about my Free Consumer Report: “How To Avoid 7 Costly Mistakes When Selling Your Home”. You’ll give them a huge boost in confidence because this guide shows how to net the most money from a home sale in the least amount of time. To request a copy for a friend, simply email me at or call me at: 864-443-2221.
Today’s Brain Teaser . . .

A butcher stands 5 feet, 11 inches tall and wears size 11 shoes. What does he weigh? (see answer below)

Top 10 First Aid Mistakes& The
Correct Response

According to the Red Cross, these are the 10 most common first aid mistakes and what to do for each situation. By knowing the correct response in an emergency you can help someone survive until help arrives, and make recovering from personal injuries faster. Mistake #1: Putting butter or ice on burns. Do This Instead: You should rinse the area with cool water and cover with a raw egg. The egg will seal it from oxygen and stop the burning process. Then use a sterile dressing so you don’t damage the skin tissue. If the burn is severe, see a doctor. Mistake #2: Inducing vomiting with your finger or by taking “syrup of ipecac” when a poisonous substance is swallowed. Do This Instead: Call the Poison Control Center at 1-800-222-1222 or your doctor. Inducing vomiting can be even more harmful. Don’t eat or drink anything unless directed by a medical professional. Mistake #3: Treating a bleeding limb by applying a tourniquet. Do This Instead: Pad the wound with sterile gauze, apply direct pressure and wrap the wound securely. Get medical help if the bleeding doesn’t stop, the wound is deep, or is caused by an animal bite. Mistake #4: Applying heat to a sprain, strain, or fracture. Do This Instead: Put an ice bag on the injury for 20 minutes to reduce swelling, and use a barrier between the ice and skin. Mistake #5: Moving a car accident victim away from the scene. Do This Instead: Leave the injured person in place until paramedics arrive – unless the car is on fire, in an unsafe location, or the person is not breathing and you have to perform CPR on a flat surface. Mistake #6: Rubbing when there’s a foreign substance in your eye. Do This Instead: Rinse the eye with tap water. Rubbing it could scratch the eye. Mistake #7: Using hot water to thaw a cold extremity. Do This Instead: Gradually warm the extremity by soaking it in lukewarm water. Drastic temperature change can cause further damage. Mistake #8: Rubbing alcohol on the skin to reduce a fever. Do This Instead: Lower the fever by giving ibuprofen. If a high fever continues for several days, see a physician or go to the ER. Using alcohol may cause alcohol poisoning, especially in young children. Mistake #9: Treating an allergic reaction to bee stings at home. Do This Instead: Call an ambulance if the victim has breathing problems, tight throat, or swollen tongue. Delaying professional treatment for a respiratory reaction could be fatal. Mistake #10: Applying ointment to a cut or scrape, then covering it with a bandage, and leaving it untended to heal for a few days. Do This Instead: First, wash the wound with soap and water. Bandage it and change the dressing twice a day. Since fresh air allows the wound to heal, it’s best not to use ointment, which can keep the wound moist. Use a looser dressing at bedtime so the wound can get air.

Thinking Of Selling Your Home Soon?

Don’t attempt to sell your home without my Free consumer guide, “44 Money-making Tips For Preparing Your Home To Sell.” My exclusive report will give you all the facts for a fast, top dollar sale. Just call 864-443-2221, or simply email me anytime, click here 24 hours, and I’ll rush a copy out to you.

Smart Financial Moves For Soon To
Be Parents Or Grandparents

About to add to your family? Here are insurance and savings tips:

    • Review your health insurance before you get pregnant (if possible). Most group health plans must cover maternity care, but 87 percent of individual plans do not. Under health care reform, in 2014, maternity and newborn services must be covered by all new plans sold to individuals and small businesses and by plans sold on state-based insurance exchanges. If you don’t have insurance for the child, see options at
      • Purchase adequate life insurance. Experts suggest you want to have around $250,000 of life insurance per child. Estimate how much you’ll need at
      • Invest in a 529 savings plan for your child’s education. A “moderate” college budget for an in-state public college is between $15,000 and $20,000 per year, while a moderate budget at a private college can be up to $45,000 each year. Learn about 529 plans and use the college cost calculator at
      The Master’s will Be Here Soon.
      Savannah Lakes Village has a great golfing opportunity for this week. Golfer can play either course, cart included plus a meal for $100. Want to play two courses in the same day, just add $25.
      Fun Facts and Laughs

      Things Your Plumber Won’t Tell You . . . •  Monday is a busy day – that’s when wives call to get help repairing what their husbands did over the weekend. •  Loose toilet handles are an easy fix. The part costs under $5. A plumber will charge $100 just to show up. •  If your garbage disposal jams, it is easy to follow instructions in the manual to reset it. Useful Education Websites . . . • — Learn how to take your child to the next level. • — Help your child with interactive lesson demos. • — Check out the math and science videos for kids Have A Laugh — “Odd Interview Questions” . . . reports that companies are getting creative in asking job interview questions. Prepare yourself in case you get asked something like this: •  “If you were to get rid of one U.S state, which would it be and why?” Forester Research •  “How many cows are in Canada?” Google •  “How many quarters would you need to reach the height of the Empire State Building?” Jet Blue •  “What songs best describe your work ethic?” Dell 

      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 At

      Trivia Challenge for the Month…
      How Smart Are You?
      last month’s Trivia Question Answer is!  

      a) E:energy, M:matter, C:calories    b) E:electricity, M:matter, C:time
      c) E:energy, M:mass, C:speed of light    d) E:energy, M:mass, C:celsius The answer is c) In Albert Einstein’s famous formula, it’s energy, mass and speed of light. Don’t try to explain it – it’s impressive that you know what the letters stand for! So, let’s move on to this month’s trivia question. What famous singer was told that he should “stick to driving a truck, because you’ll never make it as a singer”?

      a) Johnny Cash b) Elvis Presley c) Rod Stewart d) Brad Paisley

      Tune in next month for the answer…..

                                         Brain Teaser Answer:                               Meat!
      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 homework should I do before I get a loan to buy a home?
      A.  Here are three big tips 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 the how much they will loan to you: payment-to-income ratio and debt-to-income ratio.
          • 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.

          Want to learn more ways to save money? Ask for my Free Consumer Report called “7 Secrets For Saving Thousands When Financing Your Home.” Do you have a question you want answered related to real estate or home ownership? Feel free to call me at 864-443-2221 or email me by clicking here. Perhaps I’ll feature your question in my next issue!

          THANK YOU… for reading my SLV Talk’s! 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 emailing their email address at
           The information contained in this email is intended for informational purposes.  It should not substitute as legal, accounting, investment, medical and other professional services advice.  Always seek a competent professional for answers to your specific questions. This email is not intended to solicit real estate properties currently for sale.


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