Quickie: 7 Habits of Highly Successful People

Summer Soul Searching from the back porch:

On my never ending quest to do a little better today than I did yesterday,  I am reviewing the basics.

  1. Pray every morning. Read a quick devotional. 

Check 🙂

2. Drink my Green Juice (bottoms up)

Check  ;

3. Read something positive and motivating.

Check 😉

4. Exercise every day…   ;-0

umm, can we skip this one?

Regarding step 3, I am re-reading Stephen Covey’s Seven Habits of Highly Successful People. 

The reason it is a classic is because it holds timeless truths and I get something new out of it every time.

If you want to cheat and watch the “1 min cliff notes” version on video ,

Here is is :

 

Dinner and Movie, Enjoy!

Brian and I are LOVING our new subscription to Hello Fresh. We get a new box every Tuesday.  Inside is pre-packaged ingredients for 3 delicious gourmet meals with recipe cards.  Last night I made Summer Succotash Stuffed Peppers with Cracked Bulger with Lima Beans.   (see pic)

I don’t know what succotash is, or cracked bulger,  but I followed the directions and it was AWESOME!

YUM! Summer Succotash stuffed Peppers with Cracked Bulger

YUM! Summer Succotash stuffed Peppers with Cracked Bulger

If you want to try some new fun recipes, just use this COUPON CODE to get $40 off a box that  includes all the ingredients for 3 meals.  Go to HELLO FRESH.com  and use the coupon code JT8RZ9 

I hope you love cooking up something fun with your sweetie pie too.

How about a movie? This coupon expires in 7 days:   $5 for a Movie Ticket at Studio Movie Grill ($10.75 Value)

***If you want to talk about how to get into a new home with a credit score starting at 530 FICO, give us a call!

Learn-More

LEASE then Purchase Program Details

Min Requirements to Qualify: 
 Min 530 FICO
50K gross annual income.
Must verify income, 2 weeks paystubs
Must verify adequate funds for 2 month security deposit via bank statement
We will verify employment and  rent history.
TAKE  THE POP QUIZ TO SEE IF YOU QUALIFY NOW 

 

quiz-clipart-popquiz

1.  Apply. Application will include credit report, background check and $75 application fee

It usually takes 3 business days for the approval.  You will be notified via email of your approval and monthly rent you are qualified up to.

2.  Once approved, We go shop for your beautiful new home.  Our showing agent team member is assigned to work with you on shopping day.  You decide what homes to see and you select the home you want. You have been approved for a monthly rent amount. We will show you homes you qualify for.

3. After you select your home, the home is put under contract.   After we have a contract to purchase in place, you will contract to lease.  2 month Security deposit is required at this time.  Deposits will be sent to Stewart Title in Chicago Illinois.  Inspections and repairs are one at this time.

4. Move in day: You work with Property Management team to schedule move in day and take possession.     Home has been thoroughly inspected and all repairs done.

Remember: You have the right and first option to purchase later (or not) when you choose.

5. We work with you to improve your credit (if needed). Should you decide to purchase the home, we work with you get your mortgage ready, including improving your credit  if needed.

6. Option to Purchase details: Price includes  5%  appreciation,  initial acquisition cost, initial repair expense, and nominal closing costs.  Price is fixed at the beginning of the lease. Each subsequent year your price will increase 5% for 3 yrs per year.  We can help you qualify for your mortgage.  This home will not be owner-financed, you will obtain independent financing.

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Fun Flea Market Flips

We all want stylish and current looks for our homes. Especially the one you just bought or moved into.

Time to flex your DIY skills.

But even more fun (to me anyway) is finding something from a flea market or antique shop and spending some time with it to transform the piece into something awesome and unique.

Here are some photo’s to get the juices flowing:

FUN FLEA MARKET FLIPS

We just hung an amazing 8ft windmill in my home, and then added a 4ft antique hay rack too. LOOKS AMAZING!

I LOVE IT!!

Send me some pics of cool projects you have done in your new home?

How you may be losing 19K per yr by renting:

Buying a home costs money. Lots of money. There’s the down payment and the monthly mortgage payment and the maintenance and taxes and the insurance and… Are you overwhelmed yet?

It might seem like so much that you just want to put off the house hunt and sign that yearlong lease with your landlord (even though he upped your rent 25% and will likely do the same next year).

But this is going to blow your mind: Even with all of those costs,you still stand to save more than $200,000 over the next 30 years if you buy right now.

“But that’s over the course of 30 years!” you say. “I’m thinking about my money right now!” you say.

Well, get this: Wait just one year, and you throw nearly $19,000 in savings down the drain. The penalties are so high because mortgage rates are forecast to increase and because home prices are rising quickly, according to our chief economist, Jonathan Smoke.

Yep, that’s right. There’s a financial benefit—and, similarly, a financial penalty—for every single day you pay your landlord instead of your mortgage company. At a national level, the 30-year financial benefit of owning today is $217,726, according to our economic data analysts, who crunched the numbers to determine the relative merits of buying vs. renting. (Their work doesn’t capture qualitative advantages such as more control over your living situation, flexibility with pets, and, generally, more options—all things many potential home buyers would argue are equally, if not more, important when deciding whether to take the plunge.)

Postpone for one year, and you’re losing out on an estimated $18,672 in savings. Delay for three years, and that figure jumps to $54,879.

“We’re at a critical juncture: Rents, home prices, and mortgage rates are all expected to rise significantly over the next several years,” Smoke says. “That means the cost of delaying homeownership will go up even more sharply, if you wait three years or even one. It’s much like the decision to start contributing to a 401(k). Delay contributing, and you lose out on the compounding returns.”

‘Financial calculus’ confirms it’s wise to buy ASAP

Smoke and his team used a lot of factors to come up with these estimates, and they made quite a few assumptions as well.* For instance, they assumed that any money saved by renters would be invested, and that the investment would enjoy a compound annual growth rate of 5% (that’s consistent with conservative long-term expected market returns).

We know—these are some pretty big assumptions. How many renters are actually saving and investing? But we’re telling you about these assumptions, because the bottom line is this: Our data team stacked the deck against owning and still came out with eye-popping figures in favor of buying.

“The financial calculus confirms it’s wise to buy—and buy as soon as possible,” Smoke says.

That’s because no matter how you slice it, you can’t deny a few key facts that make the case for buying: Nationally, it’s cheaper right now to buy than to rent, home prices are expected to appreciate, and, while renting is subject to inflation, homeownership costs are locked.

In some markets, financial ‘penalty’ is over $1M

But, as always, it depends on where you go.

For example, in Bismarck, ND, the financial benefit of buying is actually negative. That means you’d spend $12,350 more over the next 30 years to buy instead of rent. That’s because in places such as Bismarck, rents are low, and while home prices have risen dramatically over the past few years, they aren’t expected to rise much in the future. That seems like an incentive to buy, right? Not necessarily. Think about this in terms of home appreciation. Because home prices may have peaked for the foreseeable future, you don’t stand to gain much from owning a house here.

The following markets have the least financial benefit over the next 30 years:

1. Bismarck, ND: –$12,350
2. Dallas–Fort Worth, TX: $830
3. Grand Forks, ND–MN: $4,999
4. Kahului–Wailuku–Lahaina, HI: $7,965
5. Houston, TX: $8,951

But travel west to California and you’ll see an entirely different picture. In Santa Cruz, for instance, you stand to save more than $1 million over the next 30 years if you buy today.That’s because both rent and home prices are skyrocketing, thanks to strong economic drivers such as job growth, population growth, and household growth.

But it’s still hard to get a foot in the door: A median-income household in Santa Cruz could afford less than 10% of the homes available for sale there.

In order to realize a positive financial benefit from buying a house, owners have to wait for “break-even time periods”—when the transaction costs of buying and selling cancel out. Nationally, that wait time is just over three years. In markets that have higher home price to rent ratios, such as San Jose, CA, and New York City, owners normally need to wait longer—as long as six to seven years.

“From a pure financial perspective, you have to be committed to staying longer term,” Smoke says about those high-cost markets. “That’s one of the reasons why rents are also high and getting higher.”

The 30-year financial benefit of owning in the following markets exceeds $500,000:

1. Santa Cruz–Watsonville, CA: $1,006,413
2. Santa Rosa, CA: $883,068
3. San Jose–Sunnyvale–Santa Clara, CA: $782,144
4. Urban Honolulu, HI: $714,748
5. Napa, CA: $712,192

So, in some places you win, in other places you lose. That kind of means it all balances out, right?

Nope, Smoke says: Nearly 90% of the markets (335 of ‘em) produce a financial benefit of at least $100,000 from owning over 30 years. In addition, almost a quarter of the nation’s markets reap a financial return greater than the national average.

We’re not exactly math majors, but we’re picking up what Smoke is putting down. It might feel challenging to come up with a down payment, but we never saw the savings spelled out in such plain language. So BRB—gotta go buy a house.

*Our data analysts used the following assumptions to calculate the relative merit of buying vs. renting:

They factored in a 20% down payment with a closing cost of 3%.Maintenance and annual improvement costs are 1%, and the opportunity cost of capital is 5% (average U.S. investors required return on equity investments).

They assumed a marginal tax of 25% and the cost of selling a house is 8% of the sale price. Capital gains tax is 15% beyond $500,000 (for married couples). Rent brokerage is 1% of first year’s rent and rent insurance is 1% of monthly rent.

SOURCE: REALTOR.COM

Chic DIY Bedroom Ideas:

GET INSPIRED THIS SPRING!

Here are some ideas to get the creative juices flowing. 

original_Brian-Flynn-bedroom-repurposed-art-beauty-Crop_s4x3.jpg.rend.hgtvcom.1280.960

 

 

Add a rustic-meets-industrial vibe to this bedroom with one-of-a-kind piece of art out of some salvaged wood. Designer Brian Flynn  mounted the charmingly distressed door directly to the wall, then framed it out with some scrap trim pieces to give it a custom built-in look.

 

Have you ever thought about turning an old suitcase into a bedside table? Start with a small table and suitcase that work well together dimension-wise — a hard shell suitcase works best. Prime and paint both the suitcase and table with your choice of paint. Set the open suitcase on the table and drill several pilot holes straight through to the wood below. Secure with screws, close the suitcase, and your new table is ready to be used! Head over to Songbird Blog for full instructions and photos on creating your own suitcase side table.

Have you ever thought about turning an old suitcase into a bedside table? Start with a small table and suitcase that work well together dimension-wise — a hard shell suitcase works best. Prime and paint both the suitcase and table with your choice of paint. Set the open suitcase on the table and drill several pilot holes straight through to the wood below. Secure with screws, close the suitcase, and your new table is ready to be used! Head over to Songbird Blog for full instructions and photos on creating your own suitcase side table.

To create this brass stencil lampshade, gather up one wire-framed lampshade and a hefty handful of vintage brass letter stencils. Rip off the fabric from the lampshade frame and wrap the top and base with grosgrain ribbon. Next, punch some holes in the brass stencils and start tying them onto the lampshade frame with string, fine twine or ribbon. Place the shade on a vintage lamp, add an industrial-chic Edison bulb, and you're done! See Amy Duncan's complete tutorial at Four Corners Design

To create this brass stencil lampshade, gather up one wire-framed lampshade and a hefty handful of vintage brass letter stencils. Rip off the fabric from the lampshade frame and wrap the top and base with grosgrain ribbon. Next, punch some holes in the brass stencils and start tying them onto the lampshade frame with string, fine twine or ribbon. Place the shade on a vintage lamp, add an industrial-chic Edison bulb, and you’re done! See Amy Duncan’s complete tutorial at Four Corners Design

Brass Stencil Lamp: COOL!

Layla Palmer of The Lettered Cottage thriftily found new purpose for some unfinished shutters and ended up creating a gorgeous and unique headboard with a coastal cottage style. The shutters were painted, lightly distressed, then anchored securely to the wall. The look is simple, cozy and creates the perfect focal point for this neutral bedroom.

Layla Palmer of The Lettered Cottage thriftily found new purpose for some unfinished shutters and ended up creating a gorgeous and unique headboard with a coastal cottage style. The shutters were painted, lightly distressed, then anchored securely to the wall. The look is simple, cozy and creates the perfect focal point for this neutral bedroom.

Love it!

Say goodbye to traditional memo boards; an old mattress spring works just as well. Take a vintage crib mattress spring and scrub it with a wire brush to knock off any rust that could discolor walls. Leave as-is for a distressed look, or spray-paint it a glossy hue. Secure it to the wall with a screw at each corner. Use vintage clothespins, clips and rings to hang whatever items you'd like to display. See Melissa Urban's full project, with complete instructions and pictures, over at Shabby Love.

Say goodbye to traditional memo boards; an old mattress spring works just as well. Take a vintage crib mattress spring and scrub it with a wire brush to knock off any rust that could discolor walls. Leave as-is for a distressed look, or spray-paint it a glossy hue. Secure it to the wall with a screw at each corner. Use vintage clothespins, clips and rings to hang whatever items you’d like to display. See Melissa Urban’s full project, with complete instructions and pictures, over at Shabby Love.

got old sweaters? jeans?

Give an old sweater a new lease on life by creating a decorative sweater pillow. First, turn the sweater inside out. Place your pillow form onto your sweater and measure around the pillow leaving a small margin to sew. Mark and cut the sweater. Sew the two pieces together, leaving a space to slip the pillow form in. Cut away the excess sweater and turn right side out. Slip the pillow form in, and hand-stitch the opening closed. Head over to Brassy Apple to see Megan Pyrah's full instructions and pictures.

Give an old sweater a new lease on life by creating a decorative sweater pillow. First, turn the sweater inside out. Place your pillow form onto your sweater and measure around the pillow leaving a small margin to sew. Mark and cut the sweater. Sew the two pieces together, leaving a space to slip the pillow form in. Cut away the excess sweater and turn right side out. Slip the pillow form in, and hand-stitch the opening closed. Head over to Brassy Apple to see Megan Pyrah’s full instructions and pictures.

I think this idea works better white washed or even sepia stained:

Designer Brian Patrick Flynn of Decor Demon hit the books — well, the Atlas, at least — to create this high-impact gallery wall on the cheap. An oversized map was cut into six equal pieces, then tucked into sleek, metallic modern frames

Designer Brian Patrick Flynn of Decor Demon hit the books — well, the Atlas, at least — to create this high-impact gallery wall on the cheap. An oversized map was cut into six equal pieces, then tucked into sleek, metallic modern frames

Rework the dresser to serve as a desk.  Love the black walls!  Maybe Chalk board paint?

Rework the dresser to serve as a desk. Love the black walls! Maybe Chalk board paint?

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Spray adhesive + burlap = AWESOME!

Dallas |Fort Worth|New Homes for Sale or Lease|Bad Credit OK

​GOOD NEWS! I​f you are discouraged about being able to be approved for a mortgage due to credit issues,

You can qualify for our Home Partners Program (view brochure) 

 You can move into a brand NEW home with a credit score starting at 530.  

 

 ​This is a lease then purchase (if you choose to buy later)  program.

It works like this: 

2.  You and I go shop for a beautiful new home. You select a home, Home Partners buys it. 
3. Home Partners leases the home back to you. You purchase later (or not) when you are able. 
*when and if you decide to purchase the home, we will write the mortgage and sale price is guaranteed to not appreciate more than 5% year.
 
 

 APPLY HERE​

 

Be prepared to answer these questions on application:

  • Everyone living in home, Name/ages/relationship 
  • Employment History,  Contact info of Employer
  • Total Household Annual Income
  • Rental History, contact info 
  • Declarations ( no drug/criminal/sexual offenders) 
  • Sufficient Cash Available for Deposit  (HP requires 2 months Security Deposit and first mo rent) 
  • PLEASE NOTE Min credit score 520 FICO, min total household annual income $50,000 for approval 

*remember to fill in me as your Realtor, EDIE WEBBER, where it asks on the form.​  My email: ediewebber @ gmail.com 

NEXT:  After your application is complete and you are approved, we go look for a new home together.

You may choose from any home for sale up to approved limit  in these approved locations only.

HOME PARTNER APPROVED LOCATIONS. 

Once a home is selected, I write the contract and HOME PARTNERS buys the home and leases it back to you at market rent. 

They set the rent payment, you will be notified during the application process what range your rent will be in. 

NEXT: YOU MOVE IN YOUR NEW HOME! 🙂 

First-time-home-buyers

 

 

 

 

 

 

 

 

**Note: Make sure your home location choice attends these APPROVED HIGH SCHOOLS

#homeloan approval  #badcredithome   #homepartners #texasbadcredit

 

Why I am RICH

I was recently reminded about this blog post about how rich I am.  If you need reminding too, then I hope this helps you to see the riches around you.

I am cooing “Santa baby” in my best sultry come- hither Marilyn Monroe voice. Loudly purring for a sable, ring, yacht, house, etc as I unload my very full Santa truck, heavily stocked with Christmas presents from my day-long buying binge.

Next comes the sorting and wrapping. My mind meanders right past the gifts and straight to riches, the song piquing my curiosity about what kind of gifts I would give and receive if I was really  really wealthy.
Maybe get the Lexus with the bow on top like the commercial advertises?

And then off to the races goes my imagination. A sailboat, no , JET SKIs!   Go bigger, a cool boat for the hubby. A convertible for me, or a new Grand Prix horse?

I sort the actual gifts and make piles of who gets what.

My husband gets the cologne and fuzzy pjs with the fish on them…I think of how good he smells. Of how he makes me smile as I lay next to him at night and listen to the rhythm of soft snores. I love our warm bed and howhappy feet the moonlight streams through the tall windows across the white comforter turning everything a dreamy shade of deep blue.

 
The cool remote control helicopters, operated from your phone, are for the boys. They are all grown up, but all men are just taller boys. I love the sound of the upstairs floor creaking at as they move around during the night. It’s so good to hear that again, even if it’s only for just a few days. They have added wealth beyond measure to my life.

 
The awesome lantern candles, way cute yoga outfit, faux fur blankets, funky jewelry, chocolates, candles, bath and spa goodies, separated out for brothers, sister, new daughter in law, sister in law, girlfriends, nieces, mother, friends.

 

I smile as I think of each of them, but also sharply feel  the missing gaps in our tapestry. For the piles I am not making this year. I have lost my father, and my grandmother who lived with me.

My dogs. Maximus, the huge Great Dane tries to climb into the fireplace at night. So he gets a new Christmas sweater, the only Christmas sweater I am giving.

Bear, the big Akita, gets a new bed (his current one is skunked, literally). I love the way the dogs sit down and look up at me, they make me feel adored. How awesome is that? Small pile for the dogs, to the side. Not wrapping that stuff.
I sit back on my heels, surveying my horde. I can’t help but think of my riches. And I allow Christmas to really sink in.

How it forever separated time into “before” and “after”. I am a child of the Most High King that came to earth to introduce himself to humanity, so we could touch him, know him. I know that nothing is mine, yet everything is. I am the temple of God, He chooses to live with me, in me, and through me. I am an expression of His love. When there are no more Christmases for me here, new experiences await.
I couldn’t possibly be richer. There is no way to add to “full”. I enjoy a healthy body, wonderful family and friends. I begin to start cutting the tags off and trying to wrap odd sized things. But now I am singing “Joy to the World” instead of “Santa Baby”.
I pray that you are filled with joy, gratitude, and love this Christmas and you offer this light to the world.

Edie Webber

#i am rich  #edie webber

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