Tuesday, August 9, 2011

Apple or pear: Which one are you?


Well guess what? this doesn’t matter anymore!  comparing womens bodies this way turns out to be an

unfruitful predictor of heart risk, researchers have recently reviewed 58 studies representing over

220,000 people  contrary to the belief that if your carrying extra tummy pudge is worse than having

hefty hips, they found that all excess fat wherever its deposited is dangerous.  in fact the analysis which

linked specific risk factors to future cardiovascular health, body-shape measures, such as waist circumference

and waist-to-hip ratio, were relatively poor forecasters, but obestity itself did matter.  it can set you up

for some of the leading risk factors, such as high blood pressure, abnormal cholesterol and diabetes!  the

good news for apple and pears, being overweight is something one can change, with good healty diet and

good excerise routein. here are some fat burning mistakes that women generally make:



Mistake 1 Skipping Breakfast and Not Eating Protein in the Morning
Do not skip breakfast thinking you'll save calories or you are too busy. The worst reason for skipping breakfast is that you are not hungry. You are looking at maximum fat loss, improving your energy, health and quality of life here. You have to eat food to stimulate your metabolic rate. Plus, protein is necessary for hormonal balance and maintaining balanced blood chemistry. Protein will keep your muscles full and tight, instead of stringy and saggy.
You need a paradigm shift. You need to put your physical body first. Skipping breakfast triggers ravenous hunger later in the day and slows down your metabolism. A study in the Journal of Obesity Research shows that eating breakfast, which contains equal protein to lowglycemic wholegrain carbohydrate ratios every single day is a key strategy among people who average  60 pound weight loss and have kept it off for six years. 

Mistake 2 Starving Yourself
Slashing too many calories too fast hoping to lose more fat is a total mistake unless you are eating 4,500+ calories like a male bodybuilder who eats to grow. Cutting your calories down to a starving rate; under 1,000, pushes the body to conserve fat rather than burn it.
It literally shuts down your metabolism, which is your body's natural primary calorie and fatburning system. In many cases it forces your body to use healthy muscle tissue for survival fuel.
Work on eating four mini balanced meals a day to keep your metabolism fired up and your energy constant. You will see greater results faster this way, plus you will have healthier digestion that is crucial for fat loss. Get that food in and keep it moving out! Don’t let it settle in your colon creating bloating, parasites and poor weight loss results
.  remember key to fat loss is consume your daily if not just a little more of your calories, remember this allows your body to shift to metabolic.  metabolic = fat loss. and fat loss = healthy life style!

Monday, August 1, 2011

Renting vs. Buying

CALLING ALL RENTERS. Tired of paying out money every month with nothing to show for it. Maybe you should consider that now is the perfect time to buy a home. Why you ask. Home prices and interest rates are at a record low. Depressed home prices have created great buying opportunities.

There are many advantages to home ownership. These are just a few of them.

1. Tax deductions - Did you know that you can deduct mortgage interest payments and property tax payments from your taxes.
 
2. Building Equity - Buying a home lets you build equity over the years you own your home.

Let’s look at what you can save just by purchasing a home. Average purchase price of home at $100,000 and interest of 4.5% over a 30 year period with your down payment . Your monthly payment would be $488.95. If you are renting doesn’t this sound good. Get off the fence and give me a call. I’m waiting to hear from you.

Wednesday, July 20, 2011

LOOKING TO GET IN SHAPE?

A local company in town, Habitat Fitness and Health, has a boot camp program that definitely works.

Everyday is a whole new workout program, so your body never knows what to expect. The workouts are on 45 minutes per session and with the nutrition plan provided to you, it just puts you one step closer to your goal.

It’s like having your own personal trainer that motivates you every step of the way.

Definitely a fitness program that focuses on your health and wellbeing.

Monday, July 11, 2011

When In Doubt Throw It Out

Do you ever have the feeling your being over run by clutter? I know the feeling. Most of us don’t know where to start. Hopefully this system will work for you without buying all the fancy organizing tools, shelves and gadgets. Take one hour and you will find out you can become organized!


Things you will need to declutter: 3 boxes or large trash bags, sticky labels, & black sharpie marker.


First, start out with a room and focus on only that room. We can easily get side tracked and create a monster.


Label your boxes or bags. Mark them with KEEP, GIVE AWAY and THROW AWAY.


Next only empty out as much as you can sort through in an hour. Don’t overwhelm yourself.


Then, start with large items that will help you feel like you are accomplishing organizing your room. Look at each item and say “Do I need this” “Are you functional?” “Do I display you?” If not, pitch it or give it away.


Remember don’t keep things out of guilt and clothes that don’t fit thinking you will get in that size again. The local thrift store would love to have all your old treasures!

Friday, July 8, 2011

FHA 203(k) RENOVATION MORTGAGE

Are you interested in buying a fixer-upper, but don't have the cash to remodel it? Or maybe you have saved money for remodeling and you've found your diamond in the rough, but your lender won't allow you to buy it because the house isn't considered habitable without toilets.
There are several properties on the market right now that weren't maintained by former owners, were treated poorly by renters or were foreclosed homes that were deliberately destroyed by their previous owners . Shouldn't there be a way for someone like you to fix up these neighborhood eyesores, bring them back to life, and make it your dream home all at the same time?

There is, and it's brought to you by the federal government. The Federal Housing Administration's rehab loan product, the FHA 203(k) loan, was designed for individuals who want to rehabilitate or repair a damaged home so they can live in it as their primary residence. These loans are endorsed by the government to encourage lenders to offer what would otherwise be considered a risky loan product. The 203(k) loan allows you to buy and renovate your home with one loan by spreading the cost of the renovation ($5,000 minimum; $35,000 maximum) throughout the entire mortgage term.

Homeowners can use renovation-mortgage money for allowable purposes that improves the property. This may include fundamental improvements that make the home safer, such as a new roof, plumbing or electrical work or repairing a foundation. You can also use the funds to invest in energy efficiency, installing more insulation and energy-saving appliances and fixtures. Also, you can use the loan to improve the appearance of your home through landscaping, siding, exterior lighting, kitchen and bath improvements, and cosmetic upgrades such as new flooring.

This loan follows the standard FHA guidelines and qualifications, so if you think that this product sounds like something you would be interested in, contact THE BUTLER TEAM today.

Let us help you, along with one of our preferred Lenders, find that "diamond in the rough"

Penny Jungers-Gilmore

BUYERS SPECAILIST

THE BUTLER TEAM

Wednesday, June 29, 2011

Pet Lovers Dilemma

Being in the real estate business for over 18 years, I thought this would be a great topic to write about.  The dreaded pet odors in a home. No matter how well trained a pet, there are times when they may not have total control over itself resulting in an accident.  While the accident can be easily cleaned up, sometimes the smell of urine remains in the carpet of flooring. Here are the four best pet odor removal options to help homeowners.

Get a good bacterial digester from your local janitorial supply store. Once sprayed on the flooring, the enzyme starts to eat at the bacteria and you do not have to rinse.  The use of bleach is great on concrete or tile.  Spray on and rinse but it is not advisable to leave on too long.  Boric acid is another great cleaner.  Make a paste, coat on area that your pet has soiled, allow to stand for a few minutes and then use a scrub brush to clean and rinse.  Lastly the old fashion remedy of cider vinegar.  Vinegar is a great neutralizer and bactericide.  It can be used in concentrated from, however it is best used mixed with water.

While it may seem like a tough job to eliminate pet odors, it can be done.  So enjoy your pets and happy house selling!

Tomi Miller-Troupe
Buyers Specialist
The Butler Team

Wednesday, June 15, 2011

We think we are ready to buy…everyone tells us the time is right!

So, you “think” it might be the right time to realize your family’s dream and throw those rental receipts to the wind. You have worked hard to build your credit, saved for a down payment and you are ready to take advantage of today’s market and enticing interest rates. YOU are in the driver’s seat! Yeah…..

Okay, let’s get in, buckle up and hold on for the ride. You and hubby make a concerted effort at every opportunity to surf the net, scan your local home magazines and even ride the roads checking out your favorite neighborhoods. Hubby is up for the challenge and is a master at spotting the real estate AND for sale by owner signs. From a mile away, he can spot them and zoom in on them in record time. You pride yourself in your organizational skills and make intricate notes of every home on the market within a 15 mile radius (when hubby will slow down long enough for you to get the address). You know the location, you research the net and find the price and particulars. Call the owner…or Realtor….and wait. You leave countless messages and wait for return calls. What? Is everyone on vacation, too busy to return my call? Yes, success at last! A week later, an agent calls me. Which property was that? Oh drat! Sold, pending, withdrawn, multiple offers…what is a short sale!?! Well, can you…will you help me to…am I pre-approved….well, how do I…...hello, hello….?

There is a better way. You were right, this IS the right time to realize your family’s dream. You need only find a Realtor committed to you. What works for you may not work for everyone, but your loyalty to the right Realtor can mean all the difference. Choose a seasoned Realtor, make the call and be committed . I can assure you, the true professional will welcome your questions and assist you in realizing your dream….from start to finish! Give us a call and realize your dream.

Karel Cain/Renee Butler Team