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Omni Services S.A. de C.V. Gordon Herpst’s…

Service For Life! ®

Insider Tips for Healthy, Wealthy and Happy Living –

Inside This Issue…
  • Never Use Your Debit Card In These Places…
  • How To Easily Defuse An Angry Person…
  • Fun Facts and Laughs: 3 Popular Diet Myths, Yummy Secret Recipes, And More…
  • Trivia Challenge:
  • Real Estate Corner Q&A: What Landscaping Will Attract Buyers To My Home?..
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0ca02f2 Omni Services S.A. de C.V.
Gordon Herpst
Alvaro Obregon 460-C La Paz, B.C.S., 23000 Mexico
Phone: 52(612)123-4888 Email:,
June 2014

Dear Subscriber,

If you use your debit card for online purchases or when you pay-at-the-pump to buy gas, you’re putting your bank account at risk. You can learn where else you shouldn’t use your debit card and ways to protect yourself in this month’s Service For Life!®Free consumer newsletter. You’ll also learn how to easily defuse an angry person, some quick tips for saving money on a cruise – plus fun facts, a trivia challenge, and lots more.


Gordon Herpst
Omni Services S.A. de C.V.

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 who are retiring  this summer and want to buy a retirement or vacation home in Mexico. Help them out in a big way by giving them my email address and I can help them save time and money on their DREAM Home purchase.  email:

Today’s Brain Teaser . . .

Eskimos are very good hunters, but they never hunt penguins. Why not?   (see answer below)

3 Places To Never Use Your Debit Card

Debit cards help keep your spending in check because you can only spend as much as you have in your account, but they can also be risky to use. Here are three places where you shouldn’t use your debit card:

  • Online purchases. Your debit card number can be stolen at many points, and you may not know you’ve been hacked for weeks.
  • At pay-at-the-pump gas stations and ATM machines not operated by a bank. These terminals are vulnerable to being outfitted with illegal “skimming” devices that can capture your information.
  • On big-ticket items. Most credit cards offer extended warranties on merchandise if there’s something wrong after the manufacturer’s normal warranty period.

Credit cards can still be lost or stolen, but they have two main advantages over debit cards: First, credit cards have an extra layer of defense because the money isn’t taken directly out of your bank account. If someone steals your debit card, you may not be able to pay bills, which also can affect your credit score. But fraudulent charges on a credit card can be disputed before the money is taken out of your bank account. Second, under federal law, your losses from unauthorized charges on your credit card are limited to $50, without a time limit on reporting the problem. Many credit card issuers will waive the charge if you ask. If your debit card is missing and you call your bank within two business days, your losses from fraudulent charges are limited to $50. However, if you wait to tell your bank about a lost or stolen debit card, you could be responsible for up to $500. What’s more, if you don’t report the fraudulent withdrawal on your statement within 60 days, you’re liable for an unlimited amount. If you’d rather use a debit card, you should always review your bank statements and ask about your bank’s fraud liability protection program. Some banks (such as Bank of America) offer additional protection, including adding your photo to your debit card to prevent others from using it.

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I’ve learned….. That when your newly  born grandchild holds your little finger in his little fist,  that you’re hooked for life.

How To Easily Defuse An Angry Person

Have you ever been in a heated argument with a friend, coworker, or your spouse and didn’t know what to do? Use the following steps to resolve the conflict and end on a positive note: STEP 1: Make a conscious decision not to react. Instead of fighting back, be prepared to listen and understand their perspective. Don’t feed into their anger. They may want a fight. When they shout, stay silent. When they get closer, back away. When they speak fast, just listen, and speak calmly. Never point fingers, both literally and figuratively. Don’t get into a “what is right and what is wrong” match with them. Don’t make your goal to educate them on what you see is the right way to do things. STEP 2: Listen for the underlying issue. It may not be about you at all, but something you said or did triggered their emotions. Try not to take their words personally and try to understand what they’re really trying to communicate. STEP 3: Identify a reasonable solution. If you did do something wrong (such as taking credit for this person’s idea in a meeting), acknowledge your mistake and say what you’ll do to amend the situation (make it clear who should get the credit for the idea in the next meeting). If you weren’t at fault, suggest a reasonable solution that acknowledges you heard what they were telling you, and move on. Demonstrating respect for the other person is the key toward defusing a person’s rage quickly.

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 Consumer Help Is Just A Click Away!

Get valuable help for saving thousands and avoiding costly mistakes when buying, building or selling  a home in Mexico.  Email me at or

Fun Facts and Laughs

3 Popular Diet Myths . . . You may be depriving your body of the energy and nutrients you need because you believe these diet myths: Myth #1: Cut back on the meat in your sandwiches. The problem isn’t the protein – it’s the carbs. Try eating one slice of bread (or no bread) and adding vegetables to the meat to cut carbs and calories. Myth #2: The less fat you eat the better. Your body needs fats, but eat them in the form of nuts, seeds, and fish. Limit or avoid saturated and trans fats found in butter, high-fat dairy, and processed foods. Myth #3: To lose weight, just cut calories. The best way to lose weight is to cut calories while still eating the same amount of nutritious food and increasing physical activity. Eat foods that fill you up with fiber and protein instead of calories. For example, substitute higher-calorie ingredients (such as noodles) with lower-calorie fruits and vegetables
(like a cup of broccoli).

  Save On Your Next Cruise . . . Cruises are a great way to see the world on a budget, and here are a few tips to save you even more money:

  • Limit shore excursions offered by the cruise line. Booking excursions directly can save you 20% or more. Research ports of call in advance for sightseeing and “non touristy” shopping.
  • Don’t sign up for onboard internet. Use an internet cafe at a port of call that is either free or only charges you for the few minutes you spend online. Besides, it’s a vacation, isn’t it?
  • Check your medical coverage before you go. If you’re not covered for medical care overseas, consider buying travel insurance to avoid a large emergency medical bill.
  • Consider buying beverage packages. Go to and search “cruise ship drink packages are they worth it.” Some cruise lines let you bring your own water or soft drinks onboard.

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Yummy Secret Recipes . . .  Do you want to make a “Bloomin’ Onion” from Outback Steakhouse or a barbecue chicken pizza inspired by California Pizza Kitchen? Restaurants won’t share their recipes but you can find delicious imitations at Search for “secret restaurant recipes.”
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Have A Laugh . . . 

Did you hear about the senior citizen driving on the highway? His wife called him on his cell phone and in a worried voice said, “Herman, be careful! I just heard on the radio that there is a madman driving the wrong way on Route 280!” Herman replied, “I know, but there isn’t just one, there are hundreds!”
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Still  some great buys available in great locations .

The summer season is here and the weather is getting warmer, the snow birds are returning to the North.  Now is a good time to take your summer vacation and enjoy La Paz while you look for your retirement or vacation home.  We have some great properties available.  So come on down.

Trivia Challenge for the Month…

Last month’s Trivia Question?  Leonardo da Vinci envisioned many ideas before the technology to build them existed. Which of the following did he not “invent”? 

a) helicopter   b) parachute   c) printing press   d) scuba gear
The answer is c) printing press. Johannes Gutenberg is credited with inventing the movable-type printing press in 1450. So, let’s move on to this month’s trivia question. Model and television personality Tyra Banks is allergic to which of the following:

a) Chocolate b) Dogs c) Cats d) All of these

Brain Teaser Answer:

Eskimos live at the North Pole, penguins live at the South Pole.

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 Corner Q & A . . .

Q.  What landscaping will attract buyers to my home?
A. Here are some ideas to get more offers on your property.

  • Consider a low-maintenance landscaping concept. Having little or no natural grass and rock gardens is perfect for busy professionals and retirees looking at your home. Also, consider using native plants because they are colorful, require little fertilizer, and need no additional water or special attention.
  • Keep your foundation plants pruned. Make sure plants are low enough against the windows and railings. This keeps a well- maintained appearance and makes your home look more secure.
  • If you are short on time, hire a professional. A professional landscaper can rid your yard of weeds and dead spots. This ensures a healthy-looking yard.

Do you have a question you want answered related to real estate or home ownership in Mexico? Feel free to email me by at  Perhaps I’ll feature your question in my next issue!

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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…
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Omni Services S.A. de C.V. RFC:OSE950629351 Alvaro Obregon 460-C RFC: OSE950629351 La Paz, Baja California Sur 23000 MX