Wednesday, October 17, 2012

The Quest for $85,000: Property Taxes

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If there has ever been a bill that I've had a difficult time paying, it would have to be our property tax bill.? Just as I could never pay the mortgage on time, so I have a problem paying the property taxes on time too.? For the record, I have paid our mortgage on time for the past 4 years and I have moved beyond the self destructive urge of always feeling like I had to 'live on the edge', of needing to feel beaten down every time a debt collector called to dun me for money.? Instead of getting a weird charge from having someone berate me for money they were never going to get, I now would hate to live like that and so don't.? I haven't received a call from a mortgage debt collector, any kind of debt collector, in 4 years.? Still, the property tax bill looms as the last bill I need to 'conquer' by paying it on time and I am just about at that point of being able to pay the bills on time, before they are overdue.? This year, I had to pay over $400 more than I would've had to pay had I paid the darn bill on time and I am not going to do that anymore.? Another property tax bill will be due in December and I am on track to pay that puppy on time. That will vanquish my final 'bill demon'.? I can truthfully say now that my personal finance management is A+++.

As is true everywhere here in the US, the more expensive the house, the higher the property taxes.? When we lived in the custom built home, I am going to admit ~ as stupid and ignorant as it sounds ~ that I never took into account the monthly bill that we would have to pay in property taxes alone for living there.? Never mind the homeowners insurance or the mortgage payment itself.? I just never thought about the financial impact of paying high property taxes too.? I know that sounds stupid, I know.? I hope it conveys the level of denial that I lived in when it came to handling our monthly finances.? Our property tax back then, by the way, was almost $8000 a year.? Our monthly bill for property taxes alone was over $600 per month.? Insane. Our financial lives back then were chaotic.? This proves it.

Anyway, back to the present day property tax bill.? I received our latest bill for 2012/2013 and, because I am financially organized these days, I was able to dig out last year's bill and compare the hikes.? Our property taxes have increased by $140 over last year.? A new sanitation levy was imposed which helped to drive the bill up, in addition to the fact that every single category listed on the bill has increased too.? Voted indebtedness for water, college, schools, public services ..... every single category shows an increase.

Is it worth even owning a house anymore here in California?? Especially if it's in a place one hates?? A friend of ours just purchased a house for $250,000 and, when he asked the agent about the property taxes, she told him to use a? '1.25% of purchase price rule-of-thumb.'? Well, sweetie, I am here to tell you that's erroneous information.? Based on my own calculations, the 'rule-of-thumb' is closer to 2% and THAT is what you should be telling your buyers. There's a big difference between 1.25% and almost 2% of purchase price.? Every single neighborhood around here has a voted indebtedness of some kind and that pushes the property taxes up and beyond the old standard 1.25% rule of yore.? By my reckoning, our friend will be paying close to $400 a month in property taxes ALONE.? Add that to the mortgage payment and homeowners insurance and you have a much larger monthly payment than bargained for, no doubt.? I would actually go a step further and ask the homeowners of any house that I was thinking of buying for a copy of their most recent property tax statement so that I can see for myself exactly what the annual tax bill consists of.? Add a couple of hundred bucks to compensate for the following year's taxes, which undoubtedly will increase, and there one has a clearer picture of expenses.? I have learned the hard way to never rely on some third party's ignorant verbal diarrhea when it comes to real estate.

Homeowners like us are carrying this burg.? Even if the spouse and I own this house outright, our monthly bill will still be around $300 thanks to property taxes and homeowners insurance.? I need to call our insurance company today to see if I can bring that monthly bill down a bit, perhaps with an increased deductible.

Considering that we have a main road full of pot holes that have been there since the last rainfall, I guess I need to get on and pay this bullshyte property tax bill (sarcasm).? That will be another chunk of change gone from the bank account.? It's all pay, pay, pay and, given our own unique set of financial circumstances, we really just can't get ahead right now.? Oh, and then there's the roof that needs replaced ....

Apartment living is looking better and better and I never thought I would say that.

Source: http://questfor85.blogspot.com/2012/10/property-taxes.html

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How to Apply the Law of Attraction - 4 Vital Steps | Healthy Lifestyle ...

Webmaster | October 17, 2012 (10 hours ago) | no comments



How to Apply the Law of Attraction - 4 Vital StepsAlmost everyone is talking about the Law of Attraction nowadays.

Since ?The Secret? was launched, people have been raving about the most powerful law that has existed since the dawn of civilization ? the Law of Attraction.

What exactly is the Law of Attraction?

It is a magnetic force that attracts to you whatever you focus your attention on majority of the time.

This universal power allows you to manifest your emotions and thoughts into its physical form.

The greatest people who have ever lived, as well as the most successful ones living today, have benefited greatly from applying the Law of Attraction.

Applying this universal law is simple; however, it does not only stand based on the premise of ?ask, believe, and receive.? To take advantage of its full power, you have to follow 4 vital steps:

1. Visualize in your mind the very thing you desire to be, do, or have. Believe without a doubt that it is already happening in your life. Feel the happiness or satisfaction of having achieved your dream in your whole body, mind, heart, and soul.

It is highly recommended that you create a vision board (a cardboard will do, with pictures of things that delight your heart). This will greatly boost your visual faculty.

2. Declare your intentions, believe that you are already receiving what you are asking for, and state your affirmations whenever you can. If you want to be a best-selling author, say, ?I am a best-selling author!? many times throughout the day with belief and emotion. It is highly recommended to go to a place alone to focus on your self-talk.

At any time of the day when you are about to say something negative like ?I can never do this!? or ?I?m so dumb!? hold your tongue and say ?Cancel! Cancel!? or ?Delete! Delete!? It is important to keep your inner dialogue absolutely positive and void from pessimistic poisons.

3. Take inspired action! The universe helps those who help themselves. If you?ve ever watched ?My Name is Earl,? you?ll probably know what karma is. It states that if you do something good, an equally good thing will come back to you. And if you do something bad, an equally bad thing will come back to you.

You reap what you sow. Therefore, if you just keep daydreaming and don?t do anything, the universe won?t do anything to help you either.

4. Receive openly. The Law of Attraction is more powerful if you open up and allow yourself to receive the abundance that the universe supplies to you. If you reject your blessings, you are stopping the flow of prosperity and decreasing your attracting force. Acknowledge even the smallest things in life.

Remember to always say ?Thank you.? Let the universe know how much you appreciate all the abundant gifts you are receiving. Show sincere gratitude, and the universe will respond appropriately by giving you more.

The Law of Attraction is working all the time. Understand it, know exactly how to use and maximize its potential to the fullest, and start applying its principles to manifest everything you?ve always dreamed of. You have the power within you! May the universal force bestow you with more success than ever!

?

Article by Michael Lee

About the Author :?Michael Lee has dramatically changed countless lives with his mind-altering self-help articles and advice. Get FREE access to his goldmine of self-improvement secrets at http://www.20daypersuasion.com/articlelist.html and unleash your true power now!

Share and Enjoy: These icons link to social bookmarking sites where readers can share and discover new web pages.

Tags: Attraction, Healthy Lifestyle Plus, Law of Attraction, Secret, Self-Help, Steps, Universe, Vision board, Vital, www.healthylifestyleplus.com

Category: Healthy Lifestyle

Source: http://www.healthylifestyleplus.com/lifestyle-2/how-to-apply-the-law-of-attraction-4-vital-steps/

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From Lemon Spinach to Broccoli Cheddar: 10 Vegetarian Soup ...

Matzo_ball_rect540 Vegetarian Matzo Ball Soup Matzo_ball_square72Recipe-kale-and-potato-soup-166871_square72Soup-recipe-vegetarian-split-pea-soup-with-grilled-cheese-croutons-132464_square72Recipe-pumpkin-tortilla-soup-068259_square72Recipe-hot-and-sour-mushroom-cabbage-and-rice-soup-071441_square72Recipe-sweet-potato-soup-with-miso-and-ginger-019709_square722008_12_15-soup_square72Recipe-roasted-broccoli-cheddar-soup-159133_square72Recipe-minnesota-wild-rice-mushroom-soup-164295_square7220120227_thekitchnblackbeansweetpotatochilli-104_square72

Have you made your first hot soup of the season yet? If not, perhaps one of these filling, flavorful recipes will inspire you. And they're all vegetarian! From meatless split pea to sweet and sour mushroom cabbage, from pumpkin tortilla to sweet potato chili, this is fall in a pot, my friends.

TOP ROW
? 1 Vegetarian Matzo Ball Soup
? 2 Kale and Potato Soup
? 3 Vegetarian Split Pea Soup with Grilled Cheese Croutons
? 4 Pumpkin Tortilla Soup
? 5 Hot & Sour Mushroom, Cabbage, and Rice Soup

BOTTOM ROW
? 6 Sweet Potato Soup with Miso and Ginger
? 7 Spinach and Lemon Soup with Orzo
? 8 Roasted Broccoli and Cheddar Soup
? 9 Minnesota Wild Rice and Mushroom Soup
? 10 Black Bean, Sweet Potato, and Quinoa Chili

Related: One-Pot Meatless Meals: 10 Hearty Vegetarian Soups

(Images: see linked posts for full image credits)

Source: http://www.thekitchn.com/from-spinach-and-lentil-to-broccoli-cheddar-10-vegetarian-soup-recipes-for-fall-kitchn-recipe-roundu-178813

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FBI warns that Android phones are havens for malware

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Source: http://news.yahoo.com/fbi-warns-android-phones-havens-malware-181958059.html

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Pet Of The Week ? Durango | FOX2now.com ? St. Louis News ...

MARYLAND HEIGHTS, MO. (KTVI) ? Durango is this week?s Pet of the Week. He is a 4-month-old terrier mix.? He?s neutered, very sweet, playful and good with other dogs. He walks well on a leash and is very friendly. He?s up-to-date on his shots and heartworm.

If you want to adopt Durango, here?s the information you need:

Metro East Humane Society
8495 State Route 143
Edwardsville, IL 62025
Phone: (618) 656-4405
Fax: (618) 659-1613
E-mail: info@mehs.org
mehs.org

Is your pet lost? Try looking at stllostpets.org

Source: http://fox2now.com/2012/10/15/pet-of-the-week-durango/

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Breast Cancer Awareness: 10 Ways to be More Active | CaryCitizen

October 16, 2012 | Story by: Community Contributor | Categories: Featured, Fitness, Health

Story contributed by Troy Rininger, Manager of ?Fitness Together-Cary. Photo from Sean Dreilinger.

Cary, NC ? In honor and recognition of October being National Breast Cancer Awareness Month, it?s important to revisit the importance of being active and eating healthy in order to reduce the risk of diseases such as cancer, increase fitness levels, and promote healthy living and longevity.

Experts throughout the fitness community have long encouraged everyone to exercise more in order to live a healthy and fit lifestyle. Recently, the medical community has further supported the importance of encouraging adults to be more physically active, especially for individuals who have or are at high risk for life-threatening diseases such as hypertension, cardiovascular disease, cancer and diabetes.

More Than 190,000 Deaths Due to Poor Diet and Inactivity

According to the American Cancer Society (ACS), more than 572,000 Americans die of cancer each year, with 1/3 of the deaths linked to poor diet, physical inactivity and being overweight. The most important things you can do to help reduce cancer risk for you and your family include:

  • Establishing and maintaining a healthy weight.
  • Incorporating regular, consistent physical activity into your lifestyle.
  • Making healthy food choices with a focus on plant-based foods.

?150 Minutes/ Week

The latest recommendations from the ACS in regard to healthy physical activity levels for adults include 150 minutes of moderate intensity or 75 minutes of vigorous intensity activities each week. Moderate activity would be equivalent to prolonged brisk walking, biking and hiking, while vigorous activities include sweat drenching, muscle pumping workouts.

That?s five days a week for a half hour a day. Or 3 days at 50 minutes. It?s not that much.

In addition to adding regular workout sessions into your daily schedule that motivate, encourage and support living a healthy lifestyle, you also can begin incorporating more active habits into your normal daily routine. Starting today, try incorporating as many of the following approaches (suggested by ACS) as possible to support an active and healthy lifestyle.

10 Easy Ways To Be More Active

  1. Use the stairs instead of the elevator.
  2. Walk or bike to your destination.
  3. Be active at lunch with your co-workers, family, or friends.
  4. Take a 20-minute activity break at work to stretch, or take a quick walk.
  5. Walk to visit co-workers instead of sending an e-mail message.
  6. Go dancing with your spouse or friends.
  7. Plan active vacations, rather than driving trips.
  8. Wear a pedometer every day to increase your number of daily steps.
  9. Join a sports or recreation team.
  10. Use a stationary bicycle or treadmill while watching TV

Don?t try to do everything all at once. It took years to develop your inactive lifestyle, it can?t be changed over night. Plan your activity routine to slowly increase the days per week and minutes per session. In a few months time, you will be surprised how little steps can add up to big changes.

Breast cancer is a deadly disease that continues to take the lives of too many mothers, sisters, wives, grandmothers, aunts and best friends in our community every year. Our studio is dedicated to helping you incorporate healthy habits into your daily routine to support an active and fit lifestyle that can help to reduce the risk of this life-threatening disease. During Breast Cancer Awareness Month this October, make it your goals to look better, feel better and perform better!

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Fitness Together Studio?in?Cary is a personal training studio located in Preston Walk on Darrington Drive. They work individually with clients to develop goals and create a program specifically tailored to their needs.?Troy Rininger holds an MS in Sports Science.?

Source: http://carycitizen.com/2012/10/16/breast-cancer-awareness-10-ways-to-be-more-active/

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Exterior Lighting

Exterior lighting can add beautiful illumination to any outdoor setting in your garden and provide excellent security lighting. Outdoor lighting can also extend your living areas if you have a deck or covered patio at the back or front of your home them some exterior lighting can mean more space for you even after dark. If you are thinking of using exterior lighting in this way then it is best to plan and know exactly which type of lighting you require and for what purpose.
If you need the lighting to create a relaxing atmosphere then ambient lighting should be chosen. If you only require exterior lighting for security then you need to use bright lighting that illuminates when the movement sensors are activated. If you have a feature in your garden or on your patio and you would like to light it up then some accent lighting should be chosen to make your feature the focus of the area.
If you are looking for exterior lighting in your local area then a good place to start is in your local newspapers and local trade directories. Both of these publications usually carry advertisements from companies that need to promote their services and products in the local area. Local trade directories will also have a list of companies trading in your local area. Take a look through some of the advertisements and contact some of the companies to see if they have the type of exterior lighting to suit your needs.
Another great place to start looking for exterior lighting is online via the internet. Many companies have a website where they can showcase their services and products to the world. Many lighting companies will have a website and have all their products and images of them listed on their website. It is easy to find these companies online all you need to do is go to an online search engine and type in the words 'exterior lighting' and it will return a list of relevant websites. If you are looking for a company that is specifically in your local area just add your locality to the end of the search and it will return just companies in your local area.

About the Author:
If you are looking for the most eye catching and attractive exterior lighting which is readily available on the market then gcdesigns.co.uk has it all. Our contemporary exterior lighting is modern and appealing.

Source: http://www.articlesnatch.com/Article/Exterior-Lighting/4215206

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