Newsletter Continued

SAHUARITA & GREEN VALLEY - NEWS, VIEWS, & Stories

 SOUTH AZ HOMES TIMES

What's in This Quarters Edition?

How much Credit is Too Much Credit?

What is HIHL?

I'll take Romaine!

Refereence Gathering Guidelines

Tips for a Safe Walk

What am I?

Careers for Creative Types

What's a Portable Clock?

Do You Know Your Teen's Friends?

 

Why You Should Choose to Use My Services Over My Competitors

 

Installing a water-saving toilet

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How Much Credit Is Enough Credit?

Having too many credit cards can also harm your finances in a number of ways, including:
You may be tempted to use all of your cards and, as a result, you may take on more debt than you can afford to repay.
A lot of open accounts, even if you owe little or nothing on them and have managed them well, will damage your credit record and lower your credit score since as long as they are open you could run up the balances on the accounts.
Every time you apply for a new credit card, it will show up in your credit history as an inquiry. The more credit-related inquires you have, the more you will damage your credit history and the lower your credit score will go. In fact, currently each inquiry reduces your credit score by four points.
Just a handful of inquiries can mean the difference between getting the credit you need and being denied credit
 
Things To Consider When Using Credit
 
 There are also some other things to consider when using credit:
You should avoid having a lot of outstanding loans, especially loans that you have secured with your home. If you can't pay those loans, you risk losing your home.
Most financial advisors say you should not be spending more than 10 percent of your net household income (after-tax income) servicing your debts, not including your mortgage, car loan, and your home equity loan. So, if your take-home pay is $2,000 a month, you should not be paying any more than $200/month on your credit card and other consumer debts.
No matter how much debt you have, you should be able to repay it within 12 to 18 months. If you can't, you owe too much. For example, if the combined outstanding balance on your two credit cards is $5,000 with an interest rate of 18 percent and you are paying $150 per month on that debt, it will take you more than three years and 11 months to repay it. In this case, you would need to increase your monthly payments substantially to pay the debt off within 12 to 18 months.

   Choosing A Credit Card

  When you are in the market for a credit card, your goal is to find a card with attractive terms. The federal Fair Credit and Charge Card Disclosure Act (FCCCDA) makes this relatively easy because it requires companies to provide you with specific information about the following terms, allowing you to compare offers:

Annual percentage rate (APR). This is the amount of interest you will pay annually on your credit card balance. The higher the APR, the more you will pay to use a card.
Periodic rate. This is the daily rate of interest you will pay on your outstanding card balance. It is calculated by dividing a card's APR by 12 months. For example, if a card has an APR of 18 percent, its periodic rate is 1.5 percent. Although when expressed as a periodic rate, a card's rate of interest may not seem high, if you maintain a balance on the card from month to month, the amount of interest you pay will really add up over time.
Grace period. This refers to the amount of time you have to pay your full credit card account balance before interest will start accruing. Some cards have no grace period. That means that even if you pay the card's full balance by the due date, you will still be charged interest.
 
 Other Information You Should Consider
  
  
      Other important credit card information you should look at is the card's balance calculation and fees. Both these terms are required by the FCCCDA and should be provided for you.
      Balance calculation. This is the method used to calculate the  amount of interest you will pay  on your account balance each month. There are six different methods and some of them will cost you more than others. From the least expensive to the most expensive balance calculation method, they are:
      Adjusted balance
      Average daily balance excluding new purchases
      Previous balance
      Average daily balance including new purchases
      Two cycle average daily balance excluding new purchases
      Two cycle average daily balance including new purchases
      Fees. Fees come in various increments and sorts, but regardless - they can cost you. Fees might include:
      An annual fee
      A late fee
      A fee for exceeding your credit limit
      A balance transfer fee
      A cash advance fee
      Making Your Decision
 
        To ensure that you get the best deal, take time to read and compare the terms of various credit offers. Don't rely on a credit card company's marketing flyer or letter, which are intended to point out a card's good points and gloss over its negatives.
        Remember, "The devil is in the details" and those details can be found in the fine print.
 
 Copyright © 2010 Start Fresh IP, LLC

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What Is NIHL?
 
NIHL is noise-induced hearing loss, and men are at the greatest risk, according to a study of more than 5,000 people conducted by the University of California-Irvine Medical Center. The likely cause: greater recreational and occupational exposure to noise, along with higher rates of military service. But men and women suffer equally when their hearing deteriorates.
 
Pay attention to these symptoms of NIHL so you can seek treatment (or encourage someone you love to seek treatment):
  
·           Sounds seem muffled to you.
·           Ringing in the ears.
·           Sensation of pressure in your ears.
·           Others complain more frequently that your TV or music is too loud.
·           People feel you’re not paying attention to them.
·           Background noise makes understanding speech difficult.
·           You hear better with one ear than the other while speaking on the phone.
·           You have frequent earaches or ear infections.
 
Because hearing loss happens gradually over time, many people don’t realize they’re experiencing it. See a doctor and get your hearing tested if you have any of the warning signs listed above.
 
   

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I’ll Take Romaine
 
Thinking of putting a salad together? According to nutritionist Pat Brown, romaine lettuce has the most nutrients of any salad green; iceberg lettuce has the least. In general, regardless of variety, the darker the green color, the healthier and more vitamin-packed the lettuce is.

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Reference-Gathering Guidelines
Do you have a list of professional references? These are people who can be helpful in many different situations: when you want to move up in your company; when you’re applying for a job; when you want to join a professional association; when you want to speak at an industry conference or seminar. Here are some guidelines for your list:
1.          Pick coworkers and former coworkers who have an intimate knowledge of your work – and whom you can trust to say the right thing.
2.          Before you give out anyone’s name for a reference, make sure to ask that person if you may do so. No one should ever be surprised by a reference call. Even when you have permission, it’s a good idea to call your references and let them know when they might be contacted. The more warning they have, the better prepared they’ll be.
 
 
Brief your references. Suggest specific examples to talk about – situations where your
unique skills and traits contributed to the success of an overall project or effort.

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Tips For A Safe Walk

Walking is good exercise – unless you get hit by a car. The most common accidents between pedestrians and motor vehicles are caused by:
·           Darting out in front of a vehicle in the middle of the block.
·           Running rather than walking across intersections.
·           Vehicles turning without seeing pedestrians in their way.
·           Pedestrians crossing multi-lane streets.
·           Vehicles backing up.
Stay safe wherever you wander by following these safety practices:
Use the walkways. Stay on the sidewalk and cross at intersections with well-marked crosswalks.
Stand out. Make sure drivers can see you. Don’t dash out into traffic suddenly. Wear bright, noticeable colors, especially at night, and consider garments and shoes with reflecting fabrics for nighttime walking.
Follow the rules. Obey traffic signals. Be aware of stop signs at intersections without traffic lights.
Watch out for blind spots. Big trucks with wide loads may not see you when turning or backing up. Smaller cars, too, can have significant blind spots. Don’t assume any driver can see you just because you can see the vehicle.
Give cars time to stop. Don’t take chances with moving vehicles. If the driver doesn’t see you right away, or if you stumble, he or she may not be able to stop in time to avoid hitting you.
Be careful in parking lots. The traffic flow in a parking lot may not be obvious to either drivers or pedestrians, and visibility is more limited by the parked cars around you.
Walk facing traffic. If for some reason you must walk along the side of a road without sidewalks, walk toward the traffic so you can see and avoid cars better – and vice versa.
 

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What Am I?

1.          I’m where yesterday follows today and tomorrow’s in the middle. What am I?
2.          I go all around the world but stay in the corner. What am I?
3.          I have holes in the top and bottom, on the left and right, and in the middle, but I still hold water. What am I?
4.          I get wetter and wetter the more I dry. What am I?
 
Answers: At the end of 3rd Quarter Newsletter

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Careers For Creative Types

You may consider yourself a creative person, an innovative thinker, an unconventional performer – but you’re not cut out to be a starving artist or wait tables while waiting for your big break. What are your options? Look into these careers:
 
 Teaching. Teachers at any level have to be quick and creative when it comes to keeping their students’ attention and presenting information in interesting ways.
 
Interior design. Helping people create the space where they’ll live and work calls for a wide range of talents and skills.
 
Catering. Any kind of event-planning career requires skill in selecting and balancing the right ingredients, from the spices in the food to the arrangement of the venue.
 
Graphic design. With the growth of the Internet, the ability to create visually appealing graphics that are well-organized and attractive is something employers are eagerly seeking.
 
Copywriting.  From advertising to in-depth Web content, words are still important. Putting together readable, useful copy is a valuable skill even in an age of multimedia.

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What’s A “Portable Clock”?
 
The portable clock – that is, the watch – was invented by Peter Henlein in Nuremberg, Germany, in 1504. He used a coiled mainspring with a ratchet, which, unlike the weights and pulleys that drove larger clocks, could be placed inside a much smaller space. The first watches were worn on a belt or on a chain around the neck, measured about four inches wide and three inches thick, and were called “Nuremberg Eggs” because of their oval shape. They had no minute hand and no protective glass over the face, a feature that didn’t appear for another 200 years.
 
The first person to wear a watch on his wrist was the French mathematician and philosopher Blaise Pascal, who, in the mid-1600s, attached his pocket watch to his wrist with string. True wristwatches – those attached with fabric or leather straps – didn’t become commonplace until the First World War.

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Do You Know Your Teen’s Friends?

Parents never stop worrying about their children. And it gets worse if your child starts keeping company with friends who don’t seem to be good influences. Before any problems begin, follow these tips:
 
1.          Be involved. Pay attention to your teen and what he or she is doing, but don’t be overbearing. There’s a difference between supporting your child’s interests and controlling his/her life.
 
2.          Set limits. Most teens want reasonable limits for their own security. Concentrate on doing your job as a parent first and foremost.
 
3.          Get to know their friends. Before you make any conclusions about friends, have them over a few times. Get to know what they value. And try to get to know their parents, too.
 
Provide direction. Find something your child feels passionate about, and direct him or her toward it. This allows your child to have another peer group outside of school. And when the peer pressure gets too high, your teen has other options and sources of support.

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Why Should You Choose to Use My Services Over those of
My Competitors?
 
 Hi, I’m Deborah Ferguson-Breslin. I’ve been in the Real Estate Industry for over 20 years now. Real Estate is quite different now than it was even just a couple of years ago. The market has and continues to change as this economy struggles to recover and move forward.
  During the past several years I’ve spent many weeks in classes that range from one to four days each acquiring knowledge regarding real estate and the marketing of real estate. All has been and is just to stay abreast of what is happening in our real estate market and to provide you, my friends and clients, with the best possible services and choices in this recessional economy.
  I was Ranked in the Top 25 Sales People in 2009 for all Tucson Home Sales with Realty Executives, Southern Arizona personally having over $3.1 million in homes sales and some 27 home sales during the last nine months of the year. Prior to that I sold eight homes with a total value of $1.2 million with HomeWay Realty before moving to Realty Execs. I am not saying this to impress you but rather to impress upon you the importance of both pricing and marketing in today’s recessional economy. I want you to understand that there are many real estate people to chose from when you are ready to either sell your home or to purchase your next home, but you want one who is successful and lives and works in the Sahuarita Green Valley area if your planning on moving to or leaving the Sahuarita or Green Valley area.
 Here is an example of what happened in a recent single month. I listed three homes in the first week and sold two of them within two weeks of listing them. The third did not sell as it was priced too high for the market though it was a beautiful home. I also helped four buyers find new homes that they made offers on and were accepted. Here again, I am not telling you this not to brag, but rather to point out how important price, marketing and negotiating of a home sale or purchase is in getting it sold or purchased quickly. The third home listed above did sell during the following month after the price was lowered, but only slightly. During that second month I helped three buyers find and purchase homes and I listed two more homes, and sold another home listed by another REALTOR. I have a unique market plan that I adapt and use for each home I sell and it encompasses some of your very fundamental reasons as to why you wish to sell or purchase a home.
  Marketing, value, and my service to you are the keys to selling homes in today’s real estate market. Understanding a buyer’s real needs and wants as well as what they can afford are the key to helping them find the home that they will love. If you are thinking of selling your home, or know someone who is, let us spend a few hours with you and give you a free evaluation of your or their home’s value and let you help us understand why you wish to sell your home. If you are thinking of purchasing a home, let us sit down with you before you start your search and let us understand what it is you are looking for in a home and where you would like to live (we can help you find a home anywhere in the USA or Canada). I very much look forward to working with you.
 We have several quite detailed reports about selling or purchasing a home that I would love to bring or send to you as my gift to you. Additionally, let me offer my and my team’s personal services to you in your home search or sale. Please call or send me, Deborah an email message at:
 
520-488-7912 or 
 
deb@SouthArizonaHomes.com
 
 We look forward to meeting you and working for you, until then...
 
  Thank You   Deborah Ferguson-Breslin

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Installing a water-saving toilet

 
YOU MIGHT NOT REALIZE IT, but the biggest water user in the home is the toilet. Research finds that the average household uses 1S5 to 291 gallons of water per day, with 60 percent of a family's water bill going down the drain in the toilet and shower, 20 percent in the laundry and the remaining 20 percent in the kitchen.
Older toilets are particularly big water guzzlers, using 3 or more gallons per flush (gpf)-or more than 20 gallons per person per day. New toilets can reduce that consumption significantly. Replacing an older 3.5 gpf toilet from the 19S0s with a 1.6 gpf toilet could save more than 2 gallons per flush, for a total household savings of 12,000 gallons of water per year.
Even more water savings can be earned by installing the new dual-flush toilets. Dual-flush technology features two buttons: one for liquid waste, which uses a partial flush (O.S gallon) and the other for solid waste, using a full flush (1.6 gallons). In most cases the partial flush is sufficient for all waste. Depend­ing on the number of users in a home, a dual-flush toilet can save thousands of gallons of water while reducing the load on sewers and septic systems.
Installing a new water-saving toilet isn't very difficult for do-it-yourselfers.
You'll need a putty knife, a small wrench, a socket set, a flat-head screwdriver and a level. Having a scraper and a few old towels at the ready is a good idea. See the directions on the opposite page.
By the way, some municipalities offer rebates of up to $50 for purchasing a qualifying water-saving toilet. Toilets listed under "MaP" and "HET" are typi­cally eligible. Check your local government for details.

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Answers to What Am I?  

1. A dictionary. 2. A stamp. 3. A sponge. 4. A towel

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South Arizona Homes Times - News To Help You Save Time And Money - Second Quarter

New rules for your plastic

Credit- and debit-card issuers react to restrictions

Last reviewed: February 2010

For years Americans have paid billions in unexpected bank fees. Now the federal government is cracking down with an array of new rules for credit and debit cards. To help you keep track of the new regulations and deadlines, here's a summary of the changes.

For credit cards, last year's reform law requires up-front disclosures about how cardholders are charged and restricts how issuers can alter fees and interest rates after a customer has signed up for a card. Most of the rules kick in on Feb. 22, with a few to follow in August. Here's what the Credit Card Act of 2009 does:

  • Interest rates can't be raised during the first year of an account.
  • Issuers can't impose a processing fee for online or phone payments, nor can they charge fees if you go over your credit limit without your authorization.
  • Customers must be more than 60 days late on payments before their interest rate can be raised on balances. If the rate goes up, it must go back to the lower rate if the cardholder makes payments on time for six months in a row.
  • If your card has more than one interest rate on balances, your payments must be applied to the highest-rate balance first.

The law doesn't bar issuers from charging annual fees, nor does it set a ceiling on interest rates. Issuers will still be able to slash your borrowing limit, cancel your account without notice, and raise your minimum monthly payment. And they don't have to notify you if your rate rises because of a hike in prevailing rates.

Issuers have been closing accounts and reducing credit limits for many customers, and raising unregulated fees. Chase increased its maximum balance-transfer and cash-advance fees to 5 percent. Bank of America boosted its balance-transfer fee to 4 percent, from 3 percent. Citibank hiked rates to as high as 29.9 percent, but will credit back 10 percent of the interest if payments are on time.

What you should do

If you don't like changes in your terms, take these steps:

Protect your credit score

The higher your score, the more negotiating power you'll have. You can buy your credit score at www.myfico.com for $15.95. You can also check your credit reports free at www.annualcreditreport.com and clean up any errors that might be dragging down your score. Don't cancel all your cards or suddenly take out five new ones to boost your available credit—those moves can hurt your score.

Shop for a card with better terms

BillShrink.com lists cards that already comply with the new rules. Also look to credit unions or small banks for better deals.

Debit and ATM cards

Federal Reserve rules will soon prevent banks from automatically enrolling you in overdraft-protection programs. Banks will have to get your permission before they can charge fees when debit- and ATM-card transactions trigger an overdraft. The rules, which take effect for new cards on July 1 and on Aug. 15 for existing accounts, don't cover overdrafts from checks or recurring transactions, like automatic bill payments. Until the rules kick in, banks can continue to levy overdraft fees, which average $35.

What you should do

You can protect against overdrafts by linking your checking account to a savings account; generally, that will cost you only $5 to $10 if you overdraw. Or you can opt out of overdraft programs. Bank of America customers can do so by calling 888-717-3999. Chase and Wells Fargo will soon allow you to opt out. Keep a close eye on your balance by signing up for e-mail or text-message alerts from your bank that warn you when your balance falls to a certain level.

This article appeared in Consumer Reports Money Adviser.

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An open letter to my friends and neighbors in   

Sahuarita, Green Valley, and all of Tucson

"To Share Something That Has Been On My Heart"

Deborah Ferguson- Your Life Time Realtor and Consultant

Dear Friends and Neighbors,

   As you know, for the past few years there has been a “major shift” in real estate market values. Additionally, experience shows more and more people are being caught off guard with the current economic difficulties you may know people who are in a situation, or in a dilemma like never before, and they don't know what to do, or perhaps you're in one of these types of situations yourself.

As you look at these 3 categories ask yourself, "Who do I know that is in one of these three situations?"

  1.  People who bought their homes within the past 6 years, or refinanced, or took out an equity line, and are now are finding their homes worth less than what they owe on it.

  2.  Homeowners facing financial difficulties such as: job loss, loss of a spouse, divorce, facing financial difficulties beyond their control, or perhaps even heading into home foreclosure.

  3.  Home sellers who wish they had sold a few years ago, but for whatever reason didn't. Now they feel trapped and don't know what to do.

   For the first time, these people need help, and they need it NOW!

   WE CAN HELP! We have solutions for these financial problems!

   The next time you're in a conversation with someone who is in any of these problem categories above—stop, pick up your phone, and call me immediately at  520-488-7912.

  You can count on me to be empathetic, to be there for them, to explore all options that we have available, and to treat them with utmost dignity and respect. More than ever before, WE NEED EACH OTHER and TOGETHER, WE CAN MAKE A DIFFERENCE!

You’re Friend In the Real Estate Business:

  Deborah Ferguson

 

Eight Mysteries Of Life
 
Take a few moments to ponder some of these wonderful mysteries of life:
 
1.          If swimming is so good for your figure, why are whales so fat?
2.          What should you do if you see an endangered animal eating an endangered plant?
3.          If Barbie is so popular, why do you have to buy her friends?
4.          When cheese gets its picture taken, what does it say?
5.          If it’s true that we’re here to help others, then what exactly are the others here for?
6.          What is a free gift? Aren’t all gifts free?
7.          How come you never hear about gruntled employees?
8.          Before the invention of drawing boards, what did people go back to?
 
Buyers: Why Green is Worth It
 
 For new and existing home buyers alike, the options to "green up" homes abound.
Green upgrades on homes offer two-fold benefits. They contribute to a healthier environment, both now and in the future, and they can save homeowners big when it comes to energy costs.
How much impact does a green home have on the environment, you ask? The government reports that Energy Star qualified homes built in 2009 are the equivalent of:
·          Eliminating emissions from 51,645 vehicles
·          Savings 312,399,672 lbs. of coals
·          Planting 85,372 acres of trees; and
·          Saving in the environment 612,678,574 pounds of CO2.
 Many homebuyers shy away from green construction and green upgrades because of the upfront cost. But while some estimates have put the construction cost difference at 17 percent, recent estimates from The World Business Council for Sustainable Development put the cost of green construction only 5 percent higher than traditional.
Green building means using recycled, renewable, and native building materials. It also means tapping into the energy sources that nature has to offer, including solar and wind.
Here are a few ideas of simple "going green" ideas to get you thinking.
 Energy Star Appliances: Appliances are an easy way to make a home more friendly to the environment. One of the fastest ways to explore your options is to visit www.energystar.gov. At this government site, you can find out more information on tax credits and rebates. As an example of Energy Star appliances and their efficiency, qualified washers that use 30 percent less energy and over 50 percent less water.
Toxin-free Paint: Also known as "zero-voc, low-voc, and natural" paint, this is a good option for families that have asthma sufferers. According to the EPA, "Paints, stains and varnishes release low level toxic emissions into the air for years after application."
Renewable Flooring: Looking for a beautiful way to incorporate wood flooring into your home? Consider bamboo flooring. How is bamboo a green option? It grows and renews itself quickly, unlike most woods, making it an ideal and cost effective option for green flooring.
   
   

Why Me?

    Here’s why you should consider my services to market your home:

 I have a full-time assistant, a full-time marketing specialist, a great office, three computers, cellular phones, three phone lines with voice-messaging hotlines, a dedicated fax, and 200 “toll free” information phone lines. 
     I’m not telling you these things to impress you, but to impress UPON YOU the difference between agents who simply “sell” real estate, and those who commit to whatever it takes to serve a client beyond their expectations!
 I’ve been in real estate as a consultant, paralegal and manager for over 20 years, and sold over $20 million of homes. I am intimately familiar with Sahuarita/Green Valley, and I specialize in selling homes in my neighborhood and the surrounding areas of beautiful Tucson.
 I am a full-time REALTOR®. I am well-educated. I have
several recognized awards, designations, and I continually
 educate myself to better serve my clients. I have a complete resume for your review, and make it a priority to educate YOU on every aspect of your transaction.
 I have a list of references, past clients, and professional associations whom you can call at any time to discuss the quality of service I have provided to other people just like YOU.
 I have developed an EXCLUSIVE pro-Active Marketing Plan that is unequalled by anyone in the business. I do this because my dedication to selling your home is also unsurpassed. There’s no other way I can live up to that expectation without extraordinary marketing capabilities.
 I have specifically designed marketing tracking systems for every home I sell. I also have specific update systems so you are fully aware of ALL activity and progress updates on your home on a weekly basis. You will never feel out of touch with me!
 I guarantee everything I do! If you’re not happy with me, you may fire me. This places the burden of risk to perform on ME, not you.
 Most importantly: I generate over 60% of my clients through referrals alone. I do little traditional marketing. Instead, I focus 110% of my efforts into providing such outstanding service; my clients are inclined to refer my services to family, friends, and acquaintances. 
 My membership and involvement in highly recognized and top producing marketing and internet agencies along with my expertise will expose your home to more than the normal means of media that will reach everyone in the U.S. Examples are www.realtor.com, By Referral Only, our web site at www.SouthArizonaHomes.com, The Tucson Association of Realtors, The Western Pinal Realtors Association, Green Valley Association of Realtors.
On the surface, it may seem there are many Realtors from which to choose. But just because there are many Realtors out there doesn’t mean they can all do the same job for you
 
(A note from the editor: Deborah was Ranked in the Top 25 Sales People in 2009 for all Tucson Home Sales with Realty Executives, Southern Arizona personally having over $3.1 million in homes sales and some 27 home sales during the last nine months of the year. Prior to that she sold eight homes with a total value of $1.2 million with HomeWay Realty before moving to Realty Execs. She recently said, “There are many real estate people to chose from, but you want one who is successful and lives and works in that area if your planning on moving to or leaving that area.)

 How To Help Your Child Learn

Asking your kids about their school day is a good idea. Why? Researchers who study how kids learn already knew that children learn best with their parents or a peer, but it wasn’t clear whether this was because the children were getting feedback and help, or merely because they were explaining their solutions to someone. In a recent study, researchers had mothers simply listen to their children without providing any assistance.
 They learned that it’s really effective to get kids to explain things themselves instead of just telling them the answer. Explaining their reasoning – to a parent, peer, or other people they know – helps kids understand the problem and apply what they’ve learned to other situations.
 
Get Your Dreams On Board
 
If you have a goal that you want to make into a dream-come-true, take some time to make a treasure map, says personal growth expert and author Shakti Gawain in her book Creative Visualization. A treasure map of what? Your dream! Here’s what Gawain says to do to get yourself focused on bringing your life in line with your dreams.
Whether you call it a “treasure map,” a “dream board” or a “visioning board,” start with a piece of light cardboard and decide how big you want it to be. Do you want to carry it around with you? Or do you want to hang it on a wall? Whatever your choice, focus on a goal in one area of your life. For instance, if you want to travel the world, decide on where you want to go first, then draw or cut out pictures from magazines or print pictures from the Internet of the destination you have in mind. Then include a picture of yourself doing what you’ve always dreamed of doing when you travel to your dream destination. Look at your treasure map every day so it has a chance to make a strong impact on your consciousness, Gawain says. For an even stronger impact, write a daily affirmation: “Here I am in Tahiti, staying in a luxury hotel with plenty of money to do what I want."

 Childbirth at 65

  With all the new technology regarding fertility recently, a 65-year-old friend of mine was
able to give birth. When she was discharged from the hospital and went home, I went to visit.
 ‘May I see the new baby?' I asked
 ‘Not yet,” she said, 'I'll make coffee and we can visit for a while first.”
 Thirty minutes had passed, and I asked, 'May I see the new baby now?'
 'No, not yet,' She said.

 
After another few minutes had elapsed, I asked again, 'May I see the baby now?'
 'No, not yet,' replied my friend.
 Growing very impatient, I asked, 'Well, when can I see the baby?'
 'WHEN HE CRIES!' she told me.

   Here is an Exercise For Everyone

  Here is an exercise recommended by a doctor. You can do this standing or sitting down. Do it front of a mirror, or better still, with someone. Here’s how:
Raise the corners of your mouth an inch, take a deep breath and hold it for 10seconds. You are now smiling. If people are watching you, they’ll probably start smiling too. Now release your breath in short exhalations. You are now laughing. Unless those with are curmudgeons, they’ll undoubtedly start laughing too.
 
 This simple muscular action of inhaling, raising the corners of the mouth, then exhaling in rhythmic, short bursts causes the diaphragm to bounce up and down, pats the liver on the back, and pleasantly vibrates the stomach. The heart, which rests above the diaphragm , begins to pump at a slightly higher rate, sending blood coursing throughout the body.
 
 The effect is a general feeling of well-being. More important than this , however, is the effect on others who observe you going through this exercise. They feel better too. This triggers happy emotions within you ,and sets the stage for any number of pleasant personal and business relationships. 
 All this from one little exercise.
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South Arizona Homes, LLC
PO Box 1268 • Sahuarita, AZ 85629
Deb 520-488-7912 • Tim 520-979-2823
Office Fax: 520-398-6571


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