Live Positive, and Be Positive

I just came back from a four day convention and it was fantastic to be around people with a positive attitude. People that are positive and think positive thoughts seem to have a happier life and seem to have a great outlook at life. Even look at how much more healthier people that are positive seem to be, they are more relaxed, they do not get stressed out over little things, most dont have to take high blood pressure medication or any sort of anti-depressants.

The line of work I am in tends to put a large number of negative people in my life. When sitting back and watching these people I find that they are short tempered, they have a poor outlook on life, they are most likely on some sort of ant-depressant medication, and are terrible people to be around.
After spending these past four days with people that are positive I could actually feel my body take on a whole new feel to it. I was not stressed all the time, my muscles did not ache, my headaches were minimal, and I could feel my breathing was a lot more smooth. It is  amazing what stress can do to your health, and it is amazing how you feel when you are surrounded by positive thoughts and happy people.

In our day to day walk we are surrounded by negative people, they tend to prey on positive people trying to convert them to their way of being negative. We have to learn to stay positive and keep a positive outlook on life. A persons attitude is just a frame of mind that you have to keep control of and manage what you listen too and manage what you allow to go into your sub-consequence. The old adage, garbage in garbage out.

A good example of this would be, watching the 24 hour news and weather stations. One out of every one hundred news reports are always negative. Negative media sells! People thrive on watching these stations, you very rarely ever  hear a positive news article, all the breaking news is about shootings, death and murder, never about something positive that has happened. If a person was to sit and watch these news channels, that person would eventually live in a sense of fear.

Change your life and change your attitude.

Living in a positive environment can lead to a much more healthier outlook on life. Positive energy attracts positive people. this being the "Law of attraction". Studies have proven that goals in life are much easier achieved by having a positive outlook on life.

Here are some positive exercises to help you keep a positive and healthy life style.

Meditation - Setting some time daily even if it is just 15 minuets a day and focus on positive thoughts can change your life and make you a healthier person.

Calming music - The music that you listen to can affect your life and your thinking. Look at country music for an example, most of the songs focus on death, drinking, sex, and negative messages. Getto Rap music focuses on death, killing, sex and drugs. The Blues music focuses on being depressed and blue. Music can play a major role in your feelings, and your attitude on life. To think and a positive outlook you need to listen to music that calming and or energizing and promotes positive messages.

Exercise - Exercise is a great way to uplift your body, a great time to meditate. Exercise is a great time to spend time alone and think about positive thoughts.

Sleep - Sleep is getting harder and harder to come by in this materialistic world. Studies have shown that a body needs to have at least 8 good hours of quality sleep in order for the body to run at peak performance.

These are just a few of many ways for the body and mind to run at a positive rate. It is hard to be positive all the time, when you feel negativity coming into your thoughts, stop and take action to curb these negative influences out of your existence. Do some meditation, or listen to some positive uplifting music, do something,take some action and don't

allow negative energy back into your life.

Cash Back Rewards Credit Cards

Cash back reward credit cards are a wonderful thing, if you use the credit card wisely. It is a great to earn points that can be redeemed for cash, travel vouchers or others types of merchandise just for using your credit card.

Not all credit cards give back, so be careful and do your research and read the fine print on the credit card application. The cards that do offer cash back do not all give back the same amount, each card offers different incentives when rewarding the purchaser.

Here are some guidelines for choosing the best rewards credit card for you.

Credit Score

Each card company will have different qualifications for their cards. Know your credit score and check with the card company to see what their average approved credit score is for their rewards card. If you have a medium or low credit score then most likely you will have a hard time getting approved for a rewards credit card.

High Cash Back Rewards

Not all rewards cards offer the same cash back. Some credit cards only offer 1 percent cash back on purchases, while other card companies will offer a higher cash back reward. Again do your research and try to get approved for one that offers higher cash back rewards.

Unlimited Cash Back

Again not all cards are the same even when it comes to the amount of cash back they will award you. Some companies put a cap on the amount of money they will reward you, while others have no cap on their cash back rewards.

Sign Up Bonus

Several of the rewards cards offer great bonuses if you spend $500 dollars within the first 90 days of having the rewards credit card. This is a great way to maximize the cash back benefits right in the beginning. Some card companies offer different types of promotions from time to time, check with your card company and see what types of promotions they offer.

Annual Fee’s

Check around, you should be able to find a rewards card that does not have an annual fee tied to it. Some cards may have an annual fee but the cash back rewards outweigh the annual fee being charged so in this case the fee is worth it.

Remember these rewards cards are credit cards, so if you want the best from the rewards then you need to pay off the balance every month so you don’t start acquiring interest. Having interest charges on these cards negates the cash back rewards, Another thing to remember is just because you are getting cash back rewards does not mean you can go out and overspend and ruin your budget. It can be tempting to overspend and purchase items you really don’t need. These cash back rewards cards are great if used responsibly and used sensibly.

Home Real Estate Mortgages

Financing a home can be very tricky and confusing to many and can bring with it many risks that are difficult to see from the beginning. During the real estate boom I was a realtor and a mortgage consultant; many lenders were offering home buyers all sorts of mortgage programs with confusing term, they would do this to keep the purchaser confused just in hopes to entice the home buyer into getting their loan from them.  With all these weird mortgage deals it helped to cause the real estate melt down in 2008 Many people had no idea how their mortgage worked and all the crazy fees that were built into their mortgage, because of this many people walked away from their homes thus the

starting of the real estate meld down. This melt down caused the latest economic recession that we are still trying to come out of today. Back before the melt down lenders were giving away money on loans like it was candy. I went to a lot of mortgage closings as a mortgage closing agent and could not believe what people were signing, they had no idea what the terms of the loan were for, or they had no clue as to the thousands of dollars in closing fees that were rolled up into their loan. People would not read the documents, all they wanted to do was sign the forms and be done with the whole mortgage process.

Since the melt down lenders have gotten smarter and more conservative. Even today you need to be smart on finding a mortgage that works best for you and your family. You do not want to get yourself in over your head in debt in order to have that dream home you and your spouse has always wanted.  You want to be smart and get a home that is comfortable for you and your family to afford.

There are a lot of different types of mortgage programs out on the street even today after the melt down. Let’s take a look at some of the more common mortgage programs that you may want to consider when purchasing your dream home.

Fixed Interest Rate Plans

A fixed interest rate mortgage is a home loan that has an interest rate that does not go up or down during the life of the loan. The loan is amortized which means that the lender takes the total principle amount and adds in the interest that will accrue to give the lender a total figure. The lender then divides up the total amount into monthly payments usually 360 monthly payments if it is a 30 year loan.  The lender will front end load the interest which means that the majority of your early monthly payments go’s towards the interest that is due on the loan. Once a majority of the interest is paid then more of the portion of your monthly payment will be paid towards the principle. Your payments still remain the same from day one till the end of the mortgage.

Adjustable Interest Rate Mortgages

Adjustable interest rate mortgages sometimes called ARMs have interest rates that change from time to time. These mortgages can sound very complex and confusing but many homeowners find these mortgage plans very attractive. Fixed interest rate mortgages will have a little bit higher interest rate when signing the mortgage papers where ARMs will have a lesser interest rate in the beginning to intice home buyers to purchase them over a fixed rate loan.

Lenders create these loans based on an index number which is essentially a measure of money current value. The value of money goes up and down and these ARMs allow lenders to respond to this increase of decrease of the value of the money. If you are looking at an ARM take a look at the terms of the loan, lenders will have a low interest rate in the beginning of the loan, this rate will be locked in from three to five years. After this fixed rate of time has expired the rate of your loan may go up a few percentage points. But don’t get scared, these ARMs always have a cap which prevents rates from jumping to high.

Interest Only Mortgage Plans

These hybrid loans I do not care for. They are very confusing because the lender take parts of a fixed interest rate loan and parts of an adjustable rate mortgage to make these loans attractive. These loans are usually for home buyers on a tight budget. They allow the borrower to make payments towards the interest part of the loan for the first few years. This allows the purchaser to make lower monthly payments at first in order to adjust their budget to start making larger payments which will go towards the principle.

Assumable Mortgage

You may come across a property that has an assumable mortgage on it. This is where an owner of a property can sell you the property and you can take over his or her mortgage. There can be several issues with these loans so make sure that you have an attorney review and explain all details and drawbacks that you may inquire from these types of mortgages.

Conclusion

Mortgages and home financing can be difficult and time consuming. Knowing the basics before you get started can save you a lot of frustration and sleepless nights. Take a look at your budget  and your finances and know where you stand today and in the coming years and then take action and find a mortgage program that suits your family’s needs. Again don’t go overboard,  find a mortgage program that you and your family can comfortable afford.