Marion Cheney's Blog
Setting the moodAre you the type of person who works best in a well-lit room or do the lights need to be slightly dimmed? Depending on your preferences, you might want to choose a room that receives a lot of sunlight or convert part of your basement to an office. When it comes to wall and furniture colors, studies have shown that different colors can affect our mood. Depending on the atmosphere you're going for, you might choose white, light grey, or light blue wall colors. Bold colors will probably be too distracting and bright red colors can even be anxiety inducing. Try building a color palette online and deciding which color combinations you would enjoy for the walls of your office.
Avoiding distractionsYou want your office to be sparsely decorated and free of distractions like games, phones, food, etc. However, for some people an empty room is even more distracting than a cluttered one. A good way to fill up the room without adding distractions is to incorporate plants and simple artwork. When choosing plants for your office, consider the amount of sunlight the room receives. It's possible to incorporate plant life without having to worry about moving them to receive sunlight. Similarly, there are cacti, succulents, and terrariums that require little upkeep and watering. You don't want to give yourself excuses for not working by telling yourself you need to water the plants.
Setting up your deskBeing productive is all about having a routine. You want your desk to help you stick to that routine. That means it should have everything you need to work and little, if anything, else. Aside from encouraging you to focus on your work, having a cluttered desk can also make it difficult to find what you need like a lost pen or a certain important piece of paper. Once you have your desk set up with what you need, be it a laptop, power cord, lamp, etc., then it's your job to keep it that way and avoid any rubbish from building up.
Credit plays an important role in your ability to secure a home loan and to qualify for a low-interest mortgage. However, many first-time homebuyers aren’t aren’t sure about the exact relationship between credit scores and mortgages.
This doesn’t come as much of a surprise considering the many factors that go into your credit score and into your lender’s decision to approve you for a mortgage. So, in this article, we’re going to cover three commonly asked questions that homebuyers have about credit scores and how they’re used by mortgage lenders to determine your eligibility for a home loan.
Will my credit score go down if I check my credit report?
If you’re thinking of buying a home in the near future, one of the first things you’ll want to do is check your credit. However, if you’ve heard that some credit inquiries briefly lower your credit score you might be hesitant to find out.
This common misconception stems from the fact that taking out new lines of credit results in a temporary decrease in your credit score. The difference between checking your credit and a credit inquiry is simple: a credit check you can access for free online through a service like Credit Karma, whereas a credit inquiry is performed by a lender or creditor with whom you’ve applied for credit.
In short, checking your credit score online won’t affect your score. In fact, the major credit bureaus are required to allow you to check your credit for free once per year.
Can I get a loan with low credit?
Increasing your credit score is a lengthy process that requires careful financial management. Many people who have had difficulties paying off bills, loans, and credit cards will have to rebuild their credit. Or, if you’re young and don’t have a diverse history of credit payments, you’ll be starting from scratch to build your score.
If you’re hoping to get an FHA (first-time homeowner loan), the lowest your score can be is 580. However, that doesn’t mean you should always take a loan with a low credit score. When you don’t have a good credit history, lenders will seek other ways to guarantees their investment. This comes in the form of higher interest rates or PMI (private mortgage insurance) which you’ll have to pay on top of your monthly home insurance and mortgage payments.
Will applying for a home loan affect my credit?
Simply stated, yes. However, applying for a loan or get preapproved is considered a credit inquiry and won’t leave any lasting negative on your credit score. Making several inquiries within a short period of time, however, can significantly lower your score, so choose your inquiries wisely. And, be sure to monitor your credit score on a monthly basis so you have an idea of where you stand along the road to applying for a home loan.
When you close on a home, you’re sealing the deal with all of the agreements that you have made with the seller and your lender over the course of the home buying process. Since most people don’t pay cash for a home, your loan will also close at the same time as the ownership changes. If you are paying cash, the process may be slightly different. Closings can also be called “settlements” since everything is being signed and sealed at this time, essentially, “settling” the deal.
Have Your Checkbook Ready
The closing is where documents are exchanged, the keys are passed on, and all of the funds required to complete the transaction are paid. Closing costs include the down payment that you’re putting on the home, lawyer’s fees, taxes, commissions, assessments, and more. The seller may be writing a check too, paying off the old loan to their former home. You’ll need to verify the amount that needs to be paid at closing clearly before you reach the closing table. The money must be presented at the time of closing in order for the deed to be handed over.
Get A File Folder And Stretch Your Writing Hand
The settlement on a home requires quite a bit of paperwork. You’ll be handed a stack of papers to sign. Take the time to listen to your lawyer or realtor to understand exactly what you’re signing. There’s more papers to sign than you really can imagine! Finally, you’ll be handed copies of all the papers that you put your signature on. It’s important to keep everything for your records. These documents will include everything from proof of insurance to the deed on the property to your loan terms and documentation.
Where Will The Closing Be?
Depending on where you live, your closing will take place in either the lender’s office or the office of a lawyer who is representing the closing. Typically, it will be the loan company’s attorney who holds the event in this case. In some cases, closings can be what is known as “witness only.” This means that a notary or attorney will be present at the chosen closing location to provide documents. The drawback to this type of transaction is that nothing that you’re signing will be explained to you.
What Happens Following Closing?
When all the I’s are dotted and the T’s are crossed, congratulations! You’re the proud owner of a new property. Unless there has been a prior agreement made with the seller, you’ll be able to take possession of the property right away. Occasionally, there will be some post-closing agreements that involve transactions due to a repair that couldn’t be made or reimbursements for real estate property taxes that were paid on the part of the seller. Ideally, this will all be taken care of at the closing table, but at times other arrangements must be made.
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Obesity is at epidemic proportions in the United States. A number of factors contribute to the obesity problem in America. Larger food portions, sugary foods and beverages, fast food and a more sedentary lifestyle are a few major factors. Psychological issues like depression and anxiety can also cause obesity, especially as people look to food to lift their mood and serve as a source of comfort. If you’re not careful, your house could also help to make you fat.
What makes Americans fat
According to Public Health, some people confuse eating as an automatic link to nutrition. It doesn’t matter what is consumed. To some Americans, any food is seen as providing nutrition. The fact is that many foods, particularly processed and fast foods, don’t provide adequate nutrition. Yet, portion sizes might be large.
Lack of sleep and low quality sleep help to pack on pounds. Most jobs no longer require workers to move enough to receive even a moderate amount of exercise throughout the day. If a diet is high in calories, sitting all day can have short and long term negative effects.
Spending hours at a computer while you knock out one work at home project after another is a good way to gain weight. You’re busy and you certainly feel like you’re expending a lot of energy, but you’re sitting. A workaround for this challenge is to install a standing workstation at your home. Another option is to get up from your desk once an hour and do light to moderate cardio for 10 minutes. You could also do leg lifts at your desk. Simply raise and lift your legs while you’re sitting.
However, those steps only address one way that you could be using your house to make yourself fat. Colors, pictures, clutter and cleanliness at your house could dampen your mood. So too can lack of natural sunlight. To compensate for feeling down, you might eat bread, drink sugary beverages or snack throughout the day or night.
You could create a more positive home by painting the walls at your house light neutral colors. Add potted flowers, framed motivational slogans and upbeat pictures to your house. Also, stock your bookcases with inspirational and motivational books. As a tip, plants are great for keeping the energy and air inside your house balanced. When temperatures are mild or warm, open the windows, inviting cool, natural breezes inside your home.
Open your drapes, shades and curtains and let natural light steam inside your home. It may take discipline, but get into the habit of exercising for 45 minutes or longer each day. An easy way to exercise at home is to put a treadmill and exercise bike or rowing machine in your basement. But, don’t just install the exercise equipment, actually exercise five or more days a week.
Avoid using your house to make yourself fat by paying attention to what’s in your refrigerator. Toss sugary drinks, white bread, potato chips, cookies and other foods and beverages that are high on calories but low on nutrition. You may feel more energetic, balanced, connected and positive. You also might sleep better.