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Archive for May, 2008

A Success Building BLOG

May 31st, 2008 by Krayton M Davis | 2 Comments | Filed in Achieving Success

BLOG postings: (link to Achieving Success BLOG for all posts and PDF downloads)

Discipline to Success:

The Physical Temperance Attribute

We are not weak if we make a proper use of those means which the God of Nature has placed in our power . . . The battle, sir, is not to the strong alone; it is to the vigilant, the active, the brave.
Patrick Henry

continuation from BLOG post: part VIII.d

Physical Temperance:

Moderation or self-restraint in action, thought, or feeling. Habitual moderation in the indulgence of the physical appetites or passions; not excessive in degree.

continuation

The physical temperance is the control of physical appetites and passions. We can segment the physical temperance attribute into two areas:

You have been assigned to develop and strengthen your physical temperance character over the past two weeks.  Let’s see how you did:


Evaluate your progress for the last 14 days. You will now make two evaluations. First, evaluate your physical development progress. Second, evaluate your physical temperance progress. The following questions will help you with this evaluation.

1) Physical Development Evaluation:

Did you achieve your physical development goal for the last two weeks (11 or more days)?

Do you feel that you are strengthening your physical abilities?

Do you feel confident that you can continue strengthening your physical development goal for the next fourteen days?

If you answer “no” to any one of the above questions, evaluate why you are not accomplishing the physical development goal. You might not be allocating enough time or you may lack the initiative to achieve your goal. You need to return to our prior posting and develop the physical attribute before moving forward with the other attributes.

If you answered “yes” to all three questions, continue strengthening your physical development goal for a combined total of ten consecutive weeks. You might want to modify the goal to increase strength, endurance and ability.

The reason for developing each attribute for ten consecutive weeks is because this is the approximate amount of time you need to make this attribute development part of your character — in other words, a routine part of your life. You should become more self-disciplined after ten consecutive weeks.

For example, if you jog each morning as scheduled for ten weeks, you will increase discipline over time and decrease total energy to overcome the resistance not to jog. If you recall, internal energy is the force that moves you out of bed 30 minutes earlier in the morning and out into the cold air. You might remember how difficult it was to jog early in the morning on the first day. It was probably even more difficult on the second, third and fourth days. But with each passing day, after each run, the total amount of internal energy decreases. You will find yourself automatically jogging in the morning with less difficulty and inner persuasion. You are increasing self-discipline, which automates your action with less attentive energy.

Everyone obtains self-discipline at different stages. Some people can quickly build self-discipline while others may require a longer time. Be your own judge. If you are able to move forward and develop the other character attributes faster than what I am recommending, please do so. But remember, character development is not a race. Don’t become like the proverbial hare, who ran quickly only to tire and lose the race to the tortoise. Develop a scheduled plan that works similar to my suggestions.

2) Physical Temperance Goal Evaluation:

Did you achieve your physical temperance goal for 11 or more days?

Do you have more control over the habit or indulgence that you are trying to eliminate or moderate?

Do you feel confident that you can continue developing your physical temperance goal for the next fourteen days?

If you answered “no” to any of the three questions, return to Step (1) in this posting and complete the steps indicated. You will want to develop the physical temperance attribute before moving forward with the other character attributes.

If you answered “yes” to all three questions, and if you feel comfortable that you are making progress in your physical temperance development, you are ready to tackle the educational attribute in the next posting.

Before closing, let me leave you with some advice. Exercise temperance when developing your character and individual goals. Don’t become obsessive with your goals. Sometimes you can do more damage than good, particularly if we seek goals that sacrifice the needs of others and our moral standards. Be temperate in your action. Develop your character attribute and goals with moderation and wisdom.

Next week: we will tackle our education attribute.

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Should You Choose A Buyer’s Agent?

May 30th, 2008 by Matthew C. Keegan | 3 Comments | Filed in Home Buying

Searching for a home can be nerve wracking, especially if you aren’t sure if the home you want is worth the price being asked or if you really should go ahead with the deal. Your real estate agent could be pressuring you to make a decision, one that can have ramifications that will impact you for several years to come.

home sellSome buyers are skipping the usual home buying process and are dealing directly with the seller, particularly if the home is being sold FSBO. This method of home transaction has been growing rapidly especially as the internet proves to be an excellent source for bringing buyers and sellers together. Unfortunately, FSBO isn’t without some risks, particularly for the buyer or seller who doesn’t fully understand the legalities of a home transaction.

Another possibility for the home buyer is to choose a buyer’s agent. This agent isn’t working for the seller, rather she is working directly for you.

A buyer’s agent can still receive a commission from the seller of the home, but you can also pay the agent a fee for their services. This takes the pressure off of the agent who really must sell homes in order to make a living — if you don’t buy or aren’t rushed into making a decision, your fee will cover some of their expenses while allowing you to carefully weigh all options.

Though a buyer’s agent can work on your behalf, she isn’t all-powerful or all-knowledgeable. She cannot:

  • Help you find a bargain, but she can help you get a fair price.
  • Advise you on a mortgage or your personal finances even if trained in that area — you’re still responsible for getting the mortgage that is right for you and making monthly payments.

What a buyer’s agent can do is help you find a home at a fair price in the neighborhood you want. This may sound like an easy task, but if she must serve two masters — the buyer and the seller — then matters are complicated considerably.


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Enjoying The Outdoors, One Patio At A Time

May 29th, 2008 by Matthew C. Keegan | 3 Comments | Filed in Home Tips

Once the month of June rolls around, homeowners are able to spend more time outside of their homes than inside. Sure, hot days, rain, bugs, and other petty annoyances can nix those plans, but when conditions are favorable chaise loungethere isn’t anything better to do than being able to sit outside, reading a book while relaxing on your comfortable patio furniture.

Outdoor furniture has certainly become more sophisticated over the years as people want to bring indoor comfort outside. No web folding chairs for the outdoor enthusiast, rather a chaise lounge, outdoor bars, and even patio heaters to ward off nighttime chill are some of the favorite fixtures for decks, patios, and other outdoor gathering spots.

When shopping for outdoor furniture, there are some things you’ll want to keep in mind:

1. How much furniture and where to put it? If you have an area in mind where you want your furniture to be placed, then lay out the number of seats you need for entertaining. A mix/match of chairs and couches will do, furniture which can be easily moved around and doesn’t need to be covered when it rains.

2. What kind of care and what type of warranty is included? Will your furniture have to be covered in the event that it rains or will simply bringing in the cushions be all that you need to do? Water resistance is the key; also consider how your furniture will hold up down through the years from direct sunlight.

3. What style furniture do you want? Wicker has remained popular through the years, while wrought iron and wood have their place too. Many homeowners prefer durable polymer furniture, finding these pieces to be especially weather resistant and easier to move.

4. Where will you shop for furniture? Lots of stores have outdoor furniture on display this time of year, but not all furniture is created equally nor priced similarly. Find the style of furniture you want and then shop for the best price. Consider customer service too — if a piece breaks will the store accept your return or will you have to deal with the manufacturer directly?

The best buys for outdoor furniture are toward the end of the season which is usually any time after July 4th. Though there is plenty of summer weather left, stores begin to slash prices in a bid to move inventory to make way for Fall items. If you are looking to save additional money, consider an “eclectic” look of mix and match pieces — you’ll save money while still enjoying what you own.


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Is It A Fixer Upper Or A Money Pit?

May 28th, 2008 by Matthew C. Keegan | 2 Comments | Filed in Home Buying, Home Improvement

fixer upper

Before the current housing bubble popped, investors were scouring the marketplace for homes needing a makeover with the intention of fixing them up for a quick flip. Savvy investors were able to buy a house, make improvements within a few weeks or months, and turn around and sell the renovated home for profit.

It wasn’t unheard of for investors to come away from their deals with profits exceeding 20K, 50K, even $100,000 or more. Indeed, a television series, Flip This House, popularized this trend.

Today, much has changed as the number of homes available on the marketplace has increased sharply. True, it is a buyer’s market and wonderful deals can be had, but the profiting from a real estate flip has all but dried up as well.

Four Factors To Consider When Buying A Fixer Upper

When purchasing a home that you expect to turn around and sell there are four factors to consider:

  1. Purchase Price — The lower price you pay, the more room you have for profit later.
  2. Renovation Expenses – You need a ballpark figure to understand what the “fix up” costs will be. Allow for surprises such as termite damage, a wall that must be removed, exterior changes, and more.
  3. Carrying Costs — The longer you own the home, the higher your costs for utilities, mortgage, taxes, and insurance will be.
  4. Anticipated Resell Price — How much will your home fetch once it is ready to be resold? Is the market stable enough to come up with a reasonable price? A real estate agent can help you “guess” the price, but you won’t know what the market will bear until you put the home on the market.

Finally, if the market isn’t strong once your fixer upper goes back on the market, will you be able hold onto your investment or will you be forced to slash prices in order to sell?

No one wants to be stuck with a money pit, so do your homework and hope for the best.

Resources

5-Step Home Remodeling Plan

Home Remodeling Checklist


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