Taxes

Done.
I have never been this late in preparing my taxes. I would be relieved if were not for having to mail the enormous check to the government so that they can spend it on ridiculous things and then act like I am rich because I have the self discipline to work and not need them.

Oh, well I know that this is a light and momentary trouble. A day will come when the only tax we will owe is that of praise and thanksgiving to the LORD; to whom we actually do need for our very breath.

So, now I am free for a bit. I can think about lead generating, customer building maybe even a bit of house decorating..
But first I am going to set aside time each day for the LORD.
I am going to work on getting off this extra 22 pounds that I have allowed back on my body. WHY!!
So if you need a person to pray for consider me.
Happy Resurrection Sunday.
Because He rose, so too shall we who believe.
 

My New Life

I have recently began a new life in the small town of San Antonio, Florida. I am working in a busy salon called Looking Good Salon and Spa. Everyone here is committed to doing a professional job in a great environment for both the client and fellow stylists. Our commitment is to keep this the best place you can go for hair services. The salon owner, Michele Connolly does a wonderful job as support staff for the stylists. I love it!!

I love being closer to my children. And THE grandchildren. They are so fascinating and wonderful and I get to let their parents worry about how they turn out. I can just have fun and laugh with them and hug them. Being Granny is the most delightful thing ever.

I found  two new to me products this week. They work so well I have to share.
For high humidity areas you must try "Humidity Blocker" finishing shield in Joico's Design Collection. It seriously aides in damp weather melt down.
The next one is in Kenra's Platinum line. The new Blow Dry Spray works as a protectant and actually assists in your hair drying more quickly without it drying out.

Of course my fave is still Healthy Sexy Soy Paste. Love it. It is much more user friendly than TIGI's Manipulator. Great for showing off the texture in that new cut. Much easier than most of this kind of competing product to get the job done and not get greasy.  

If you are in East Pasco you must call for an appointment.  I begin at 9 a.m.Tuesday through Saturday and work late appointments on Tuesday and Thursday.  Call me at 813 713 5372. If you mention you read my blog you get $5 off your Shampoo Cut and Style or higher service.    
  

The Sunny Florida

Last night Dan and I were sitting on the sofa with a quilt because it got so cold we had to admit that even though we were in Florida that we were cold. The heating unit is different so we could not quite get the hang of how it works. Finally today a coworker told me the secret so I am looking forward to a warm house this afternoon.Tomorrow we will be back at 70. Thank you Lord.

We love our new neighborhood and are working on the house. We figure we will get it done at some point. Suzee seems to be adjusting to being an orphan. I can relate. It is a bit of an adjustment.

I  found an adorable little salon.Now all I need is customers. I think I will go have lunch at a local sandwich shop and see if I can meet some people. I just need a few to get the ball rolling.

I need to go pick up a community paper today to see what is going on there.
I need to get the rest of my stuff put away at the house
I need to wash my car
I need to pass out real estate calendars
I need to do laundry
I need to .............................................................................................stop thinking.
  
 

Short Sale vs. Foreclosure?

Short Sale vs. Foreclosure?

You make the call!

I get the question from people all the time: short sale or foreclosure, which is the better option? My knee-jerk reaction is always “Are you kidding? Short sale, of course!” This has been mostly because I was always under the impression that a short sale, although still a ding on your credit, was gentler on the score than a foreclosure.

But according to a recent blog post by FICO Banking Analytics, there is no real difference in the affect a short sale or a foreclosure has on your credit score. Both the impact in points and the time to fully recover is about the same for both events.

This put me in a precarious situation. All this time I had lauded the short sale as vastly superior to foreclosure, largely because of its less adverse affects on credit. So I was forced to do further research into which was the better option. In doing so I learned about benefits of a short sale I wasn’t even aware of, and found that the FICO blog was way off.

Each borrower’s credit situation is different, and the way that a creditor reports a short sale to bureaus is different. The reality is that hundreds of thousands of distressed homeowners who have chosen a short sale have experienced a lesser impact on their credit than those who have chosen foreclosure.

In a short sale, a distressed homeowner may be able to obtain another mortgage sooner than someone who has a foreclosure on his or her record. Also, more and more employers pull credit before hiring a potential employee, and a foreclosure can keep you from getting a job. Some employers pull credit reports on existing employees, and a foreclosure may not bode well in certain industries.



These benefits stacked against the negatives of foreclosure, including the embarrassment of public announcement and literally being kicked out of your home, make, in my opinion, short sale the reigning champion.

Now you make the call!

I 'm still losing

I haven't blogged for a while. Too busy. But I have lost weight 2 weeks in a row. Not a ton but I am still losing and not gaining. Yea! I am at 132.8. A lot better that 146.6. Less of me to have more fun this summer.

Yea! I did it again. Down 1.6 This Week

I am now down a total of 12.4 pounds since January 13th.
That leaves only 14.2 to go. It seems like it can happen now. I am almost half way there!!
Now I will go shampoo my carpet in the living and one of the extra bedrooms.
That should help a mite. 134.2 you will be 120 very soon!

Lost.4 Better than Gaining

10 more pounds until I look like my picture!!!

- 1.8 #'s What most folks realize immediately, when they see me, is that I do not quite look like my picture. I was at 125 pounds then. But today I have made a major headway. I have lost 10.4 pounds since January 13th. I am so excited! Just 6.2 until I get to my 10% target goal. Just 11.2 more to get to the picture. AND just 16.2 until I am at my personal goal of 120!!! It is so getting there. Just whittling away a little at a time.
And I have a closing today. A wonderful seller and a wonderful buyer. Can't ask for more than that!

138 Today

Okay so it's not a lot. But it is down and not up. Down .8 pounds is better than being up 1.6 so I am happy. One can go down a hill fast or slow but at least they are on the way.
But it sure made me feel better to get my perfect listing under contract!
Gorgeous home. I know the new buyers will love it. I will miss the sellers though. Great people.

Pondering Life

I just read that Dr. Alan Day had a fatal motorcycle accident. I know a lot of folks will curse the perils of the sport of motorcycle riding. I grew up on a motorcycle so, I, like Dr. Day have a healthy respect, yet not terror of motorcycles. I remember the freedom and relaxation of those rides as a teen. Now I love scuba and water skiing. Of course any of these things can be fatal if just the right thing happens at just the right time. But I have often thought, "What a way to go!"
Imagine riding along with the breeze rushing across your face, and then you are suddenly face to face with Jesus. I can see myself swimming in the sea at fifty feet, among the most beautiful of God's creation and then in a moment; I am at the feet of Jesus!
The chief end of man is to glorify God and enjoy Him forever. So hats off to Dr. Day who like Elijah went to Jesus while fully enjoying the life he was given. I'll bet he was praying as he rode.