Misc News

If your're a home owner in need of money, and have accumulated equity in your property, you may be able to convert this equity into cash. People choose to draw on their home equity because loan rates are significantly lower than othe types of borrowing, like personal loans or credit cards. There are also tax advantages associated with home equity loans, because the interest may be tax deductible within certain limitations(see your tax advisor). Another reason that home equity loans are appealing is that closing costs are relatively low. Home equity loans are also known as second mortgages because they are subordinate to your primary mortgage. If you can't afford to make your morgage payments and subsequently defualt, the first mortgage gets paid off first from any proceeds of a sale.

The two driving forces behind higher rates right now are the improving economy (lower unemployment rate,better corporate profits and general confidence in the markets) and the Federal Reserve starting to hint it will pull out of QE3. This to me seems inevitable, if you understand the Fed is buying $85, Billion in mortage backed securities and treasuries to artificially keep rates low. We have to recognize they will have to pull out eventually and as unemployment falls, the economy shows signs of recovery, rates have to increase. Home prices continue to increase from 2012 to 2013 According to Zillow: Salt Lake City up 17% Los Angeles up 21% Las Vegas up 29% and Phoenix up 33%.

We know that laughter doesn't just make life fun, it keeps us healthy, releases endorphins and it can even cure disease! On of the most famous laughers of all times is Norman Cousins. Cousins was a magazine editor who go a bad diagnosis in 1964. Doctors found that the connective tissue in his spine was deteriorating. One of those doctors, a close friend, told himthat his chance of survival was approximately 1 in 500. Realizing that death was a very real probability, Cousins took action. He took three radical steps against his doctors' advice.

Time management is key to running your home based business, as there often does not seem to be enough hours in the day to do all the things you want to do. However, if you focus your energy and know how to prioritize, you will find that your business will run more smoothly, and you will get more done in less time.

One of the most important steps you can take toward achieving your greatest potential in life is to learn to monitor your attitude and its impact on your work performance, relationships and everyone around you.

What attitude did you bring into this day. Often, this brings puzzled looks. In truth, people generally don’t have a high level of attitude awareness. They’ll know if they are hungry or if their feet hurt, but they usually don’t have a good handle on their attitude. That is a mistake because attitude is everything. It governs the way you perceive the world and the way the world perceives you.

But, I always had a drive inside of me that said I am better than working some crummy 8 T0 5 job, getting home exhausted and and beat up! I saw how it affected my family and myself working and working, for what, to make someone else rich! Possibly, I was being selfish, but I wanted better for my loved ones and I had this strong feeling that I was worth a lot more than I was paid per hour.

Procrastination, the habit of putting tasks off to the last possible minute, can be a major problem in both your career and your personal life. Side effects include missed opportunities, frenzied work hours, stress, overwhelm, resentment, and guilt. This article will explore the root causes of procrastination and give you several practical tools to overcome it.

The behavior pattern of procrastination can be triggered in many different ways, so you won't always procrastinate for the same reason. Sometimes you'll procrastinate because you're overwhelmed with too much on your plate, and procrastination gives you an escape. Other times you'll feel tired and lazy, and you just can't get going.

1. Stress

If you have your heallth you have everything. but the words in reverse of that is If you lose your health, you lose everything.It doesn't matter how rich you are. If your health fails and you feel lousy, your're not going to enjoy it.
Your health is your wealth. So, what can you do to protect this important asset? Get in shape! It's one of the most positive moves you can make.

According to Zig Ziglar "The more you recongnize and express gratitude for the tings you have, the more things you will have to express gratitude for." Oprah Winfrey urge viewers to keep a Gratituide Journal. You could list your mother and father brother and sisters friends your home your job You can quickly list about 30 or more things and then notice that you have a lot to be thankful for,but suddenly you will be in a terrific mood.

Anxiety begets anxiety. I even worried that I worried too much!Ulcers might develop. My health could fail. My finances could be depleted to pay the hospital bils.
A comedian once said, "I tried to drown my worries with gin, but my worries are equiped with flotation devices." While not a drinker,k I certainly could idetify! My worries could swim, jump and pole vault!