I am a pretty happy person but it sure does sound exciting to be even happier!! Who doesn’t wish they could be happier? Sometimes I think we get into a habit of only letting ourselves shine so much, which in all reality we could adding a little slice of happiness to a person’s life everyday with something as simple as a smile. According to a study conducted in the United Kingdom these are 10 simple steps to becoming happier person.
1. Plant something and nurture it. Plant something, water it and see how much it grows.
2. Count your blessings- at least 5- at the end of every day. Write down 5 things you are thankful for every night.
3. Take time to talk- have an hour long conversation with a loved one each week. Call a family member and really take the time to talk and listen to them.
4. Phone a friend whom you have not spoken to for a while and arrange to meet up. Call a friend you haven’t spoken to in a while and plan a time to meet up.
5. Give yourself a treat every day and take the time to enjoy it. Reward yourself every day, and take the time to enjoy it!
6. Have a good laugh at least once a day. Laugh whenever you can, laughter is the best medicine.
7. Get physical- exercise for half an hour at least three times a week. Get in the habit of exercising at least 3 times a week.
8. Smile at and/or say hello to a stranger at least once each day. Smile and/or say hello to as many strangers as you can.
9. Cut your TV viewing by half. Stop watching so much TV.
10. Spread some kindness- do something good for someone every day. Make it a point to do something good for someone every day. Make their day because it will make yours!
Try to do all 10 of these steps. I challenge you, and I am going to do it too!
Good Luck, Kiley
Just a friendly reminder there is approximately 87 days until the 2009 Tax Credit is scheduled to end!
Buyers qualifying for the 2009 Tax Credit must close and fund on the mortgage loan by November 30, 2009.
Please let us know if you have any questions or are interested!
Work trips are usually not very exciting, but with Keller Williams it’s always fun and exciting! Terra and Kim brought me this year to Keller Williams Mega Camp in Austin, Texas. We all attended meetings and classes, but on top of that there was a Blood, Sweat, and Tears concert, huge exercise groups, dinners with fellow Keller Williams agents, and motivational speakers. All of the activities made us realize how blessed we really are and how being part of the 3rd largest real estate company in the world is awesome!
Three weeks ago Terra and Kim hired me to be their full time real estate assistant. Since then I have taken over a couple different duties to help make their life less stressful. Hopefully, I will keep taking over more so they can expand their business and assist their clients better. I attended a class that focused on all technologies that are available to help realtors reach out to the public. The explained how important it is to build relationships with strangers, not only to help them in the real estate world, but to add value to their lives in your own personal way.
I am very excited about this new adventure in my life! Hopefully I will learn fast and their business will grow to be even more successful.
How to Exercise in the Office
Are you too busy to make it to the gym? Do you not have time to exercise in between work, making dinner, cleaning up the kitchen, getting the kids ready for bed, making lunches for the next day, doing laundry and all your other activities? Here are 5 tips according to about.com for exercising while you are at your office.
1. Take the Stairs- Always use the stairs instead of taking the elevator or escalator. You can burn more calories and get your heart pumping for better circulation. You can apply this rule to your everyday life and be burning more calories everywhere you go!
2. Throw around Your Weights – Put a couple of five pound weights on the corner of your desk. While you are on the phone on or in between paperwork and emails lift the weights. Do a couple sets of 10 or 12 for a good toning exercise.
3. Walk it Off- On your lunch break take a 10 minute walk. Whether it is down the hall outside your office or down the block from your building, applying this 10 minute walk and it will rejuvenate you for the rest of the day.
4. Take it to the Mat- Having a mat in the corner of your office will remind you to roll it out and get to work on your body. Do some pushups, sit ups, or even leg lifts to tone your lower body. What better way to work off that carb filled lunch!
5. POP in a DVD with the Latest Exercise Craze-After your quick lunch or before you head home pop in an instructor led DVD and burn those calories, stretch those muscles, and release all that stress that has built up throughout the day.
2009 B State Bond Program coming out on the 25th of August. They are coming out with two different programs.
One is the standard program with 3.5% down payment assistance with a 6.10% rate on a 30 year term. It covers FHA, VA, USDA-Rural Development, & Section 184 Native American Loans.
The other is the Oklahoma Tax Advance Credit Loan which it is still a 6.10% rate on the First Mortgage with NO down payment assistance, but there is a 2nd Mortgage with a 2% rate and a 60 month term. The 2nd Mortgage is 6% of the First Mortgage Total Loan amount or $6000.00 which ever is less. THIS IS NOT AN ADVANCE OF THE TAX CREDIT SO THEY STILL HAVE THE AVAILABILITY OF GETTING THE TAX CREDIT AS LONG AS THE PROPERTY IS CLOSED BY 11/30/2009. This program is only available for FHA insured loans, and the customer must be a First Time Homebuyer even in a targeted area. The only advantage I see to this program is it gives you more assistance if you do not have a seller that is willing to contribute to paying some of the customers closing cost and prepaids. On a $121,500 sale price the 2nd Mortgage Payment is just over $105.00 additional per month, which definitely make it more difficult in qualifying for the over all First and 2nd Mortgage.
WR Starkey Mortgage
Although experts predict it will take time for the economy to fully recover, there has been a lot of encouraging news recently.
*The percentage of first-time buyers dipped to 29 percent as a result of more repeat buyers entering the market, suggesting signs of a return to a more balanced market.
*Americans have shifted into savings and are now putting away a larger portion of their income – so much that the U.S. savings rate has now surpassed that of Canada!
*Home prices edged up almost 4 percent between May and June of 2009, due to repeat buyers purchasing at higher price points, and distressed properties accounting for a smaller percentage of sales (33 percent of sales, compared to 45 percent the month before).
Information gathered from www.kw.com
Interested in bringing up the value of your home? Or are you just wanted to do a little work on your home and you are not sure what should come first? First, you should always make sure that the home has curb appeal. The paint on the exterior is important and if your home has siding on it, then it should be nice and clean. Secondly, lanscaping is important. Making sure there are no weeds in the flower beds and that there is color and perinials is always a great help when it comes to sale your home. Thirdly, on the interior of your home, the kitchen and master bathroom are the best place to start a remodel or update. These rooms are both very important rooms that buyers look deeply into when they are searching for the perfect home. Plumbing and light fixtures always add value and catch the buyers eye. And most of the time countertops do also. Midrange decks, siding, kitchen remodels, and windows for the most part, will pay off when you sale your home. Call us if you are thinking about doing some touch ups or a remodel and need some help deciding what is most important and what should be done first.
Hope you have a great weekend!
Open house at 1404 NW 179th Terrace this Sunday from 2-4PM.
Directions: West om 2nd St from Western to first Twin Oaks entrance. Take first right on 179th Terrace and follow to home.
Oxford Park will be open Sunday from 2-5PM.
Directions: East of Bryant on Memorial, turn North at the blinking light, Scott St, follow to entrance of Oxford Park, not Oxford Park Villas and you can view 8 new construction homes by Mark Abel
Continued from Sunday, the perfect time to buy is slipping away, plus why not buy in a definte, affordable area.
On July 14, 2009, Forbes.com ranked Oklahoma City, OK as one of the cheapest places to live in the West South Central Region. Tulsa, OK was also included in the top three in this region. They ranked cities by using cost-of-living data by using Moody’s Economy.com and home affordability figures from Wells Fargo and the National Association of Home Builders. From their they used other Bureaus and companies to rank each city.
Go to http://www.forbes.com/2009/07/13/cheap-cities-americas-lifestyle-real-estate-cities_land.html to view the entire article.
Homebuyers, first time home buyers in particular, are fixing to miss the best time to buy. In November, last year, there was an abundance of homes on the market and now in Oklahoma those numbers have gone way down. If you are planning to take advantage of the $8000.00 tax credit you need to have a contract and then close on the house before the end of November. Plus rates at the end of the week were right at 5% on a 30 year mortgage. Time is slipping away. Call today if you are thinking about buying or selling today.