September, 2019 Cliff’s Notes on real estate…

Posted on: September 7th, 2019 | By Cliff Keith | Blog, Cliff's Notes on Real Estate |

May 2019

Dear Friend,

I hope you’re enjoying these beautiful days of September! The sun is still shining bright, but the evenings are feeling just a little bit cooler. This month’s newsletter should be hitting your mailbox right as you’re ready to sit down and enjoy a moment of bliss in the summer wind down.

When you open this month’s newsletter, you’ll see it has some interesting articles, including:

  •   How ice cubes can be made from lasers
  •   A recently discovered dinosaur
  •   Advice on how to be happier at work (who doesn’t need that..?)
  •   The interesting way that dogs find their way home
  •   And much more!

As summer winds down, you may also be thinking about selling a home before the holidays— and the houseguests— start arriving. If that’s so, give me a call (650) 346-7366, so we can talk about where to start. Talk with you soon.

Thanks, stay cool, and give me a call! Talk with you soon.

Your friend in the real estate business,




Cliff Keith

650-346-7366 Cell/Text

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For High-Income Professionals At

Inside This Issue

  • Lesson on the Path of Life
  • * Icy Hot News
  • Back to School
  • * The Veggie Crunch
  • Tiny Dino
  • * How to Be Happy at Wor*
  • Poochie Power
  • Interstellar What?
  • * Dig Deep to Find Success
  • Lofty Goals

The Milkshake

Lesson on the Path of Life

September, 2019 Cliff's Notes on real estate...

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. ~Cliff

Please don’t keep me a secret…

The next time you’re in a conversation with a friend from work, your neighborhood, church, your gym or country club and they mention that they are interested in selling their house or rental property please, don’t keep me a secret. Pick up your cell phone, look up my number, (hint: 650-346-7366) and call me immediately. When you call we can talk about what would be the best way for you to introduce them to me.

Back to School

September, 2019 Cliff's Notes on real estate...


The National Retail Foundation has been conducting its annual Back-to-School and Back- to-College surveys since 2003 and uncovered a few facts from math class:

  • More than half of all school supply consumers plan their shopping around online
  • 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 Valentine’s Day
  • Teachers reported spending $479 each on average and 7% reported spending more than $1,000.
  • Back-to-college drives the majority of spending: an expected $55.3 billion for this year alone.


Costs to Buy a Million Dollar Home…

Do you know what the your costs when you buy a one-million-dollar home with 20% Down? Including what your mortgage payments…

Escrow Fees:

Down Payment    (200,000.00)

Origination Fee       (8,000.00)

Title Insurance        (2,000.00)

Settlement Fee       (250.00)

Escrow Fees          (2,200.00)

Sub Escrow Fees   (125.00)

Loan Tie-In Fee      (100.00)

Recording Fee          (60.00)

Tax Service               (75.00)

Appraisal Report     (350.00)

Credit Report          (250.00)

Monthly Payments:

Mortgage Payment 3,819.32

Hazard Insurance $291.67

Property Taxes     $1,000

TOTAL           $5,110.99

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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 website 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 Lawrence Livermore National Laboratory, hoping to create an exotic new form of ice, conducted an experiment: 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 atmosphere. 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, watery planets whose size might be capable of producing the same heat and pressure sustained in the laboratory. If so, this new ice could help astronomers better understand the worlds in our solar system and across the galaxy.

How to Be Happy at Work

Most jobs aren’t perfect, but that doesn’t mean you have to be miserable all day. offers these tips for making it through the day with a positive outlook:

  • Keep personal problems at home. Concentrating on work will help you remember that you’re capable and competent, which will improve 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 improves 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. Minimize your contact with negative people and learn what makes your co-workers tick. You might make a friend for life!

Words of Wit…

The beautiful spring came; and when Nature resumes her loveliness, the human soul is apt to revive also. ~Harriet Ann Jacobs

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See page 7

Tiny Dino

September, 2019 Cliff's Notes on real estate...

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.

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.


Is your money giving you a 8-12% return?
Information on earning 8-12%!
How to make 8% -12% secured with local real estate.

How to buy your home Before it hits the open market.
Don’t stand in line be one of the first to know about a home you can afford to purchase


How sellers price their homes and why.


Cliff's Notes on real estate... May 2019
Cat playing guitar

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.



Dig Deep to Find Success

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 advice, but to make it work, you’ve got to ask yourself what you want. The first few answers will be superficial: “I want more 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 moments 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 consider 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
  • Examine your 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.

Mistaken Identity…

Even Queen Elizabeth II sometimes goes unrecognized. A story from the Hello magazine website tells of a time when the queen’s car drove up to the Royal Windsor Horse Show in 1991. A guard walked up and told her, “Sorry, love, you can’t come in without a sticker.”

Unfazed, her majesty answered, “I think if you check, I will be allowed to come in.”

He did, and she was.

Poochie Power

September, 2019 Cliff's Notes on real estate...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.

Food for Thought!

We must respect the past, and mistrust the present, if we wish to provide for the safety of the future. —Joseph Joubert

Our insignificance is often the cause of our safety. —Aesop

As a job seeker, remember this: You only lack experience if they want it done the same old way. —Robert Brault

Don’t worry about people stealing your ideas. If your ideas are any good, you’ll have to ram them down people’s throats. —Howard Aiken

Free Reports!

September, 2019 Cliff's Notes on real estate...

How sellers price their homes and why.
Information on earning 8-12% with your money!
How to make 8% -12% secured with local real estate.
How to buy your home Before it hits the open market.
Don’t stand in line be one of the first to know about a home you can afford to purchase


Imagine me as your real estate consultant. What I do for you is invest my time consulting, negotiating, and organizing the details of your transaction because I want you to have a superb experience that will cause you to want to introduce me to the people you care about most.The purpose of my business is referrals, which means I must bring the type of value that makes you feel comfortable introducing me to the people you know that need my help.
After all, a referral is sending someone you care about to someone you trust. Cliff Keith

Best Deal for a Home in South San Francisco Today!

September, 2019 Cliff's Notes on real estate...

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 rebuild 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 movie 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.

September, 2019 Cliff's Notes on real estate...


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’?”


“We’ve all heard that a million monkeys banging on a million typewriters will eventually reproduce the entire works of Shakespeare. Now, thanks to the Internet, we know this is not true.” ~Robert Wilensky

Is a Reverse Mortgage Right for You Or Someone You Know?

I wrote a great article on Is a Reverse Mortgage Right for You Or Someone You Know? Here’s the answer you have been asking yourself or in a conversation with a friend, For the answer to most questions people may have. Please let me know and I’ll pass it on to you so you can read it or  give it to them.

The 10 Do’s and Don’ts on Credit…


A Great Politician

Mark Twain once told the story of a Missouri farmer who ran five times for the state legislature without winning. He practiced his campaign talks every day while milking his cow. He filled his speeches with wordy expressions, referring to himself as “my humble aspirant” and his audiences as “my enlightened constituents.” He talked of “obtaining a mandate” for his “legislative mission.”

Then one day the cow kicked him in the teeth. With his front teeth knocked out, the farmer could speak only words of one syllable. The result? He won his next election and got re-elected many times after that. Who knows if it’s true or not?

Consumers Prefer A Human TouchSeptember, 2019 Cliff's Notes on real estate...

Electronic self-service may be the wave of the future for many organizations, but lots of consumers are bucking the trend. The CRM Buyer website reports that researchers surveyed more than 24,000 consumers in 12 countries about customer interactions, and here’s what they found:

  • 80% prefer customer service from a human instead of an automated system.
  • 83% say that interacting with a customer service rep is important on the phone or in a store.
  • 68% believe they’re more likely to get a better deal when negotiating in person instead of online.
  • 18% say they would renew products or services because of good personal customer service, even if they were more expensive.

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September, 2019 Cliff's Notes on real estate...
Cliff’s Notes….

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