6 Ways to Thrive after 40 Meet the new middle age, as personified by those who are extending the prime of life -- with all its rich emotional, intellectual and spiritual potential -- way beyond the short horizons that defined their parents’ middle years. Are you among them? Here are the building blocks of the new middle age, and how to imbue your second act with more personal contentment, joy, and vibrancy than you ever thought possible. 1. A strong heart It’s the engine that drives an active lifestyle, essential to your ability to maintain healthy muscles and bones, a sharp mind, and even an upbeat attitude. During your parents' middle age, it was all about cholesterol. If it was normal, they’d ignore it. If it was high, they’d control it with a low-fat diet. But even those with normal... 08/18/2014

The healthy approach to home buying and a home loan starts with the financing. For healthy resolutions in life, how about developing some of these habits? Get more sleep- Committing to 8 hours a night is an effortless way to feel healthy. Researchers report sleeping burns fat, decreases stress, and boosts your immune system, mood, and alertness. Spend time outside- Get some fresh air every day. Experts say being outdoors relaxes the mind. Take a walk before work or at lunch. Find a spot you like in your yard or a park and spend some time there. Stop staring at screens- Turn off the TV, tablet, computer, and smart phone, and start enjoying the moment. These technological wonders also create obesity, sleep disorders, and emotional and focus problems. Top multi tasking- Instead, pay attent... 08/18/2014

A budget can help you meet all your financial needs. A budget lets you fine tune spending to meet all needs; short term monthly bills and groceries, mid-term vacations and long term, home down payment, college, and retirement. A budget shows the expenses you can't avoid like utility bills and those you can postpone (another dinner out), so you can cut short term spending to meet long term goals. Cut waste. You can cut 75% of the grocery bills with coffee from home, soda and sports drinks from the supermarket, and a refillable water bottle. Without a budget, you don't know what you're spending, so you can't find the waste. Hit goals. To reach a financial goal; set a time frame, but you need a budget to "find" that extra money. A budget also keeps you motivated. You won't mind cutting out... 08/18/2014

The real estate industry and home loans have long been an entrepreneur's playground. Knowing how to get started and acquiring the needed skills to start your own business are essential, but the basics will only take you so far. If you want to maximize your rate of success, you need to be able to evolve with the home loans industry and capitalize on new advances in marketing and technology. Good listening and follow up are critical to success. Providing clients with the best possible service should be top priority. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Inv... 08/18/2014

Outdoor Living areas Extra bedroom with its own bathroom Home Office/Family computer room Everyday dining in or near the kitchen Better bathrooms Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts.   08/10/2014

Your reputation is your integrity. Don't compromise either one for a shorter path to success. Your reputation is the only thing you can take with you throughout your career, and maintaining business integrity allows you to cultivate that reputation. Far too many people are willing to sacrifice their integrity for a quick dose of success. The truth is there is no real shortcut to success in life or business. It requires a lot of hard work, dedication,and transparency.  If you are unwilling to commit to those things, you might as well throw in the towel now. Great leadership requires a lot of skills and capabilities. But above and beyond anything else, it requires integrity. At the end of the day, your reputation is the only thing that you can take with you throughout your career. It is w... 08/10/2014

Paint problems on the house that could use a little fixing up. Weeding, clipping, raking, & mowing to spruce up the yard's street appeal. Updating wallpaper & paneling in the home or painting if necessary. Getting rid of mirrored walls that just are out of date in today's world. Replacing or fixing closet doors. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts. 08/10/2014

As the housing recovery presses onward, a new generation of buyers is leading the way; millennials. Not only is this younger generation full of fresh enthusiasm for home ownership, but they have a fresh idea of what homes should like. As the economy recovers and young people who had to live with their parents start moving forward with their lives and achieve their dreams of home ownership, home builders are delivering homes that cater to the floor plans, features, and affordability that this generation desires. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Invest... 08/10/2014

If currrent legislation that creates a path to legalization for 11 million undocumented immigrants is passed, the nation's Hispanic real estate leaders estimate that it would create a new pool of 3 million homeowners and pump more than $500 billion in sales, income and spending into the U.S. housing economy. The National Association of Hispanic Real Estate Professionals calculate that as many as 6 million undocumented immigrants are likely to pursue legalization and possibly citizenship under the bill and up to 3 million would pursue home ownership based on the patterns of naturalized Latinos. Foreign born householders have a high value and strong desire for homeownership. Homeownership is an integral part of the American Dream in the undocumented immigrant community. Our estimates in 2... 08/10/2014

Only do business dealings with people of character and integrity. No matter what, never let yourself break that rule. It will never be worth it. Contracts- The inevitable result of entering into a contract with a person lacking integrity is being forced to pay out huge sums of money to attorneys in order to hold the other person accountable to keep their word. When you come across people that are ego driven, RUN AWAY FAST! That type of association will only bring you down. When people in leadership positions show a lack of appreciation and respect for the people they lead, steer clear. Companies cannot survive without GOOD people and leaders who esteem themselves to be better than, or above the people they lead, will NEVER be able to retain great employees. Instead they will quickly cr... 08/04/2014

As a homeowner, you always want to be prepared.  Here are five home safety devices you should have:  Fire extinguishers Upstairs escape ladders Wireless water alarms Automatic shutoff valve for water heater Sump pump alarm If a disaster hits, here are 10 key items for a home emergency kit: Battery operated lantern. Radio/phone charger Multi-tool Mylar blanket Nylon rope Fishing line Duct tape Vinyl tablecloth Baby wipes Work gloves Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We ... 08/04/2014

Most of us were raised by parents who had depression era scarcity beliefs about money and working harder. Some of these beliefs may be instilled in our subconscious. Do any of the following sound familiar? I have to work long hours. I have to sacrifice. I have to give up my personal time too much. I have to be everything to everyone. Others needs come before my own. If you answered yes to any of these, then you may be running around trying to please people and make sure everyone is happy. This is a sure way to have too much on your plate and have a scarcity of time. If you want to kick this habit, the first step is replacing these old beliefs with new empowering ones. New empowering beliefs like: Success means I work smarter, not harder. I easily create success with ease.  As I am succe... 08/04/2014

7 Tips to Make Sure They Find and Follow Your Blog: Optimize for search engines Add multimedia to your content Post regularly Invite comments Promote your posts Turn a post into a press release Keep up with the technology Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts.   08/04/2014

As the market continues to shift, one industry trend seems to be making continuous waves: vacation home. With mortgage rates still low and prices relatively low in most parts of the country, affluent buyers are making their move and purchasing second homes in exotic locations to be used as vacation getaways. According to NAR (National Association of REALTORS), sales of investment and vacation homes jumped in 2011, with the combined market share the largest since 2005. People are getting away again, and as the economy stabilizes, many are looking for a standing vacation spot.  What does this market look like? In 2011, 42 percent of vacation home buyers paid in cash, and 39 percent purchased distressed properties. Purchased vacation homes were located a median of 35 miles from the buyer's... 08/04/2014

Born in the mid-1980's and later, generation Y legal professionals are in their 20s and are just entering the workforce. With numbers estimated as high as 70 million, generation Y (also known as the Millennials) is the fastest growing segment of today's workforce.  As law firms compete for available talent, employers cannot ignore the needs, desires, and attitudes of this vast generation. Below are a few common traits that define Generation Y: Tech-Savvy: Generation Y grew up with technology and rely on it to perform their jobs better. Armed with Blackberrys, laptops, cellphones and other gadgets, Generation Y is plugged in 24 hours a day, 7 days a week. This generation prefers to communicate through e-mail and text messaging rather than face to face contact and prefers webinars and onl... 08/04/2014

You never really know how much the people around you are hurting. You could be standing next to someone who is completely broken inside and you wouldn't even know it. So never deprive someone of hope. It might be all they have.. The most important trip you will likely take in life is meeting others half way. You will achieve far more by working with people, rather than against them. Giving someone else a voice, and showing them that their ideas matter, will have a long lasting, positive impact on both of you. Relationships don't create happiness, they reflect it. Relationships are simply the mirrors of your happiness; they reflect it and help you celebrate it. They are mirrors because they are a perfect reflection of your thoughts and beliefs. To reflect means to encourage you when you ... 08/04/2014

Freddie Mac recently released the U.S. Economic and Housing Market Outlook through March showing that as we head into the spring home buying season, continued low home loan mortgage rates, increasing house prices, and gradually improving consumer confidence will help support increased home sales and home loans. Compared to 2013, expect home sales to be up 8 to 10 percent for 2014. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts. 08/04/2014

Home buyers need to look beyond the initial sale sprice when considering whether to buy new construction or an existing home.  The higher costs of operating an older home can often mean buying a new home with more energy efficiency. This will allow them to spend more on a new home as the annual operating costs are less. While mortgage payments will be greater with the higher purchase price of a newly built home, the lower operating costs mean the home buyer will have annual costs that are about the same as if they'd bought a lesser priced older home with a smaller mortgage payment and higher operating costs. Other benefits of new homes include open space floor plans, creative storage options and entertainment resources that cater to modern lifestyles, as well as the safety consideration... 08/04/2014

If you want to be resilient-an essential characteristic of a leader-you have to boost your brain's reserve and have very specific stress management practices.  Try focusing on these five principles: 1. Claim personal control. You're in charge. Stop blaming other people for how your life is turning out. 2. Nurture your relationships, because you become like the people you spend time with. 3. Focus on what you like about your life more than what you don't like. 4. Be goal-oriented, but remain flexible to change. 5. Counter the negative thoughts that can flood your brain. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, I... 07/25/2014

It's been a grueling six years. On the global stage, we've seen bailouts, rampant unemployment, sluggish consumer confidence, declining home values and rising prices. For those lucky enough to be employed, all this doom and gloom has manifested as insecurity, fear, stress and overwork. We may be technically in recovery, but at this point, employees are over it. Let's be honest: as a leader, you're as burned out as they are. You know in your heart that the only way you'll ever make it in the global economy is to get people engaged, motivated and passionate about their work. The old ways of leadership, the old rules, might as well be hieroglyphics on a cave wall. The future belongs to those that have the mojo not to just withstand change but to actually change in their favor, and hopefull... 07/25/2014