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DID YOU KNOW?

	Even though buying a home after a recent foreclosure is possible, homebuyer should not apply for a mortgage blindly. Because of your current credit standing, many lenders are ready to take advantage of you. Your options are limited. Nonetheless, this does not mean you have to accept a terrible mortgage loan. Why Does a Foreclosure Occur? Homes are foreclosed when a homeowner is unable to repay the mortgage. On average, mortgage payments have to be three months late before a lender begins the pre-foreclosure process. If the homeowner is able to acquire funds, the lender will stop foreclosure. Many factors contribute to a homeowner's inability to repay a mortgage loan. For starters, living beyond one's means will make it harder to maintain regular monthly payments. Sadly, many people fall in love with a home they cannot afford. Furthermore, some homeowners do not take into consideration utilities and other expenses that come with owning a larger home. Acquiring excessive credit card debt may also result in less disposable income. The Disadvantages of Buying a Home after Foreclosure For the most part, many lenders will not approve a mortgage loan immediately following a bankruptcy. In their estimation, you are a risky applicant. If you were unable to make regular payments three months prior, the odds of a future loan defaulting are high. Naturally, circumstances do change for the better. For example, if loss of employment or illness contributed to a foreclosure, you may be in a better position to afford a mortgage six months after a foreclosure. Still, there are disadvantages to obtaining a home so soon. Mortgage interest rates following a foreclosure are outrageously high. Because most traditional mortgage companies will not approve your loan, you may be subjected to interest rates 3 or 4 percentage points above current rates. This will increase mortgage payments by a few hundred dollars. Best Approach for Purchasing a Home after Foreclosure If you are hoping to buy a home following a foreclosure, be patient. The key is to rebuild your credit. During the next 24 months, attempt to open new credit accounts, and maintain regular payments. Pay creditors on time and avoid missed payments. Next, shop smartly for a new mortgage. Prior to accepting a mortgage offer, contact several lenders for quotes. If using the internet, you may obtain instant quotes from several lenders in minutes.

Why am I doing this? I just feel like I can't focus today! I feel like I'm not enjoying my job like I used to. What's the matter with me?

I NEED A BREAK!!!!

When you are CEO, head nurse, mommy, head of janitorial services, and chief crafts coordinator, life can leave you a little weary sometimes. As a business owner YOU are your most valuable resource, so it makes sense to take care of yourself! When
you start to feel overwhelmed, it's important to know when to slow down and take a break. Below you'll find 10 tips to help you take a vacation pamper and renew.

1) SCHEDULE A DAY OFF: Often when we are the busiest is when we need a break the most. Write a day in your calendar just for you. Promise to enjoy your time off. Turn off the
computer, and don't answer the phone. Don't let guilt, or a list of impending deadlines steal your relaxation and enjoyment for the day.

2) MAKE TIME FOR THE SPECIAL RELATIONSHIPS IN YOUR LIFE: Go on a date with you're your husband. Enjoy a cup of gourmet coffee with a friend. Steal away on a mommy and daughter/son breakfast. Write a special note to a friend or spouse letting you know how
you feel about them. Give someone a long meaningful hug. Spend a little extra time cuddling with your children before bed.

3) TAKE TIME TO CELEBRATE: Make up a holiday. Invite a friend to a "just because" lunch. Order out for pizza. At our house, we have a tradition called "pajama party". When we want to celebrate, we all get into our pajamas extra early, get all our pillows and blankets, pull out the sofa bed, snuggle up,
watch a special movie, and tell each other stories. This is a special treat that the whole family REALLY looks forward to!

4) PAMPER YOURSELF: Indulge in a candle lit bubble bath. Listen to some soothing music. Read a juicy romance novel. Take a day at the spa. Soak up some sun at the beach. Sip a glass of wine and watch the sun set in your back yard. Why not buy yourself a bouquet of flowers?

5) NURTURE YOUR BODY: Treat yourself to plenty of sleep, eat balanced meals, drink lots of water, and take vitamins. If you've been neglecting a checkup, now's the time to schedule it! When you take care of your body, you'll have more energy and feel
happier.

6) GET OUT OF THAT CHAIR & EXCERCISE: Sitting in your office chair all day isn't exactly the ideal workout. Head to the gym, take a walk thru the park, or take a dip in the pool. Take in a game of golf, racquetball or tennis. Exercise is a proven stress reducer!

7) CATCH A RAY OF SUNSHINE: Remember the song "I'm walking on sunshine, well…and don't it feel good?" There's nothing more energizing then feeling the sun on your face and breathing in some fresh air. Spend time in your garden, play ball with the kids, or take a trip to the park. I enjoy taking a "nature
walk" right in my back yard. I walk slowly looking at each flower, and really taking each detail in again as if for the very first time.

8) BE A KID FOR A DAY: Forget your responsibilities for just one day. Put away your "to do list" and revel in all the things you'd like to do but shouldn't. Let your house be messy, sleep in, eat an ice-cream sundae for supper, and watch you're a funny movie. Make up a silly song. Put on your favorite CD and dance! Mix up a batch of monster size cookies! Let the little kid in your come out and play!

9) RENEW YOUR SPIRIT: Often in the busyness of life, we forget to take quiet time for ourselves. I encourage you to take time to journal, daydream, read the scriptures, and meditate. In stillness, you can tune-in to what really matters to you. Take time to listen to your heart, reflect and honor the quiet voice within.

10) GET A MAKEOVER: Do you feel pretty when you look in the mirror? If not, you deserve to! When you look good, you FEEL
good. Get a new haircut or a manicure. Spoil yourself and buy a new outfit. Try a new perfume.


MY PERSONAL CHALLENGE TO YOU:
All work and no play make Jack a dull boy! Don't wait until you are feeling burned out to take a break. I challenge you to take out your pen, flip thru your calendar, and schedule yourself a day off. When you are well rested, ou'll have a newfound energy, spark and passion to drive you forward to success!