EASY KITCHEN UPGRADES

If you’re looking to spruce up your kitchen, but you’re not the handiest person in the world, you may feel as though you’re going to have to hire a professional to redesign your kitchen. But there are some easy things you can do that will upgrade your kitchen and make it look like you really put a lot of money into it.
One easy kitchen upgrade concerns your cabinets; all of your cabinets, both upper and lower. Other than the sink, it’s probably the first thing most people look at when they walk into your kitchen. There are three things you can do that are pretty easy, though one will sound hard.

The first thing is to change the handles or knobs on the cabinets. Basically, all you need is a screwdriver for handles, and just some elbow grease for knobs, which should twist off easily enough. Then go to the hardware store, find something that looks nice, and pop them on there. If you pick something fancy, instant glamour! While you’re at it, think about changing the handles or knobs on any drawers you have in the kitchen also.

The second thing, if the cabinets are painted, is to strip the paint off and bring them back to natural wood. If you have a heated paint stripper this is a snap, as it will lift the paint off without having to do any scraping. Natural looking wood finishes are in, so this will be impressive.
The third thing is to either stain, varnish or clear lacquer your cabinets. Any of these changes will make your entire cabinet stand out and look like new, and it’s also a very easy upgrade to make.
Next, take a look at your stove. The easiest upgrade is to change the pans that surround the burners, something that a lot of people rarely think about. Nice, shiny new tins can bring a whole new look to your stove.
And let me ask you a question; when is the last time you cleaned the inside of your stove? All modern stoves have a setting where it will literally clean itself, leaving you only a little bit of residue to clean up afterwards. And, if you clean up the inside window a bit, then clean up the outside window, and, while you’re at it, clean the rest of the stove up, it’ll look like new.
The next thing you can do that’s an easy kitchen upgrade is to add some throw rugs into the mix. If your floor is either totally wood or linoleum, adding a couple of rugs here and there can make it look nicer, no matter if it’s in good condition or not. Put one near the sink, one near the refrigerator, and if your kitchen leads to the garage, put one there also, so your family will be prompted to wipe their feet before coming in.

The final upgrade may be the most expensive, but it’s still easy. If your kitchen is large enough, think about putting a moveable island in the middle. They only come up about three feet, and a small one, around 26”x20”, is plenty enough. If you get one with a marble top, even better. It not only gives your kitchen another nice surface for whatever you wish, such as cutting or putting hot food onto, but it makes the kitchen look bigger and fancier than before you added.
These easy kitchen upgrades will spice up your kitchen and make it look more spectacular.

MINDSET TIPS

1. If you fall “off the wagon”, get right back on track! Immediately! Cut your losses and don’t worry about it.....It’s minor damage from which you can recoup.

2. It is not failure itself that holds you back; it is the fear of failure that paralyzes you.

3. If there is something you’ve been wanting to do, take at least one small step in that direction today. We've all heard trhe Chinese Proverb: 'The longest journey begins with one step'. Take the step!

PASSOVER

Passover 2011 begins at sundown on Monday, April 18. Passover lasts for eight days.

Passover commemorates the formative experience of the Jewish people: their transformation from scattered tribes indentured in Egypt to a nation on the road to redemption.

The Bible relates in the Book of Exodus, that after hundreds of years of slavery, God smote the hardhearted dictator Pharaoh with Ten Plagues until he finally acceded to the demand of the God as relayed by Moses:

Let My people go, that they may serve Me!

At the last minute, Pharaoh changed his mind and gave chase; God parted the Red Sea, allowing the Israelites to pass through on miraculously dry land while causing the pursuing Egyptians, along with their horses and chariots, to drown in the briny deep. And the Israelites were free!

Celebrate Freedom for All People!

Read more: http://www.answers.com/topic/passover#ixzz1JsHAytZH

WORKING OUT 'WORK-OUT' SORENESS

WHETHER A WEEKEND WARRIOR OR GYM RAT....
It's common for beginners to experience muscle soreness that lasts for a week or two, just as seasoned exercisers will be sore after a tough work out. I know the big question and the answer is YES, you should keep working out even though you are sore, but there is more to it than that.

Muscle soreness has two primary causes. The first soreness you experience happens during your workout ("the burn") and should subside within a couple of hours. This is caused by lactic acid production. When you are training and your muscles are not getting enough oxygen (anaerobic glycolysis), lactic acid builds up. You can break down lactic acid by continuing to move and by doing light aerobic exercise (such as walking) after your workout. This is why cool-downs are so important, especially for beginners. The longer you cool down, the faster that lactic acid will leave the muscles (typically within an hour).

The type of muscle soreness you are experiencing, up to a day or two (and sometimes even three) after your workout is known as DOMS (Delayed Onset Muscle Soreness). DOMS is caused by microscopic tears inside the muscles, resulting from weight-training or fully exhausting the muscles during cardio. This is normal. Again, beginners will be more sore and usually for longer, but if you really worked as hard as you should have during a weight-lifting session, you should be somewhat sore for the next day or two.

This is where rest comes in. You absolutely must rest the muscles you worked for 1-2 days after a workout. Take at least one day off between strength training sessions, and if you are still very sore, take 2 days off. (This means from lifting, not from all exercise such as cardio). If you don't let your muscles recover and repair, they will continue to break down and you will actually get weaker.

To help prevent soreness in the future, and alleviate some of it now, be sure to:
1. Always warm-up for 5-10 minutes and cool-down for at least 5 minutes.
2. Stretch after a warm-up, during your workout, and after you are done. Only stretch when your muscles are already warm from some kind of light activity.
3. Stay active. The more your muscles move, the faster they will recover from exercise and soreness. If you choose to rest completely instead of "actively recovering" with light exercise, you'll probably be sore longer.

Soreness comes with the work but don't believe the:

"No Pain, No Gain"!      Sore - yes; Pain - No!

KEEP UP THE GOOD WORK!

5 THINGS BUYERS DO TO TURN OFF SELLERS ....... & KILL DEALS

written by Tara-Nichoelle Nelson and posted by Trulia

In today’s market, every savvy seller wants to know what turns buyers off, so they can get their homes sold as quickly as possible, for as much as possible.  But buyers, take note – there is a minefield of seller turn-offs you can trigger that hold the potential to keep you from getting the home you want at the best price and terms, or to unnecessarily complicate dealings with your home’s seller.

Lest you think all of today’s sellers are under the gun and will just put up with whatever behavior buyers dish out, be aware that there are still many multiple offer situations in which buyers have to compete with each other to get a home – buyers who trigger these turnoffs tend to lose in those scenarios.  Also, avoiding these seller turnoffs can create a transactional environment of cooperation and avoid things turning adversarial.  That, in turn, can empower you to score a better price, get extra items you want thrown into the deal, and even negotiate more flexibility around your escrow and move-in timelines – all perks that can make your life easier and your budget go further.

For sellers, these turnoffs pose the potential of irritating you out of an otherwise good deal – maybe even the only deal you have!

Here’s a few of the most common buyer-perpetuated seller turnoffs, with tips for sellers on how to keep an emotional (and economic) even keel, even if your home’s buyer makes some of these waves:

1. Trash-talking. Trash-talkers are the home buyers who think they’re going to negotiate the list price down by slamming the house, telling the sellers how little it is really worth, how the house across the street sold for nothing, why the school on the corner should make them desperate to give the place away, etc. This strategy never works; in fact, when you attack a seller and their home, you only cause them to be defensive, and think up all the reasons that (a) their home is not what you say it is, and (b) they shouldn’t sell their home to you! 

Sometimes this happens with buyers who actually love a house and just walk around it fantasizing about all the ways they would customize it to their tastes while a seller is there. 

Sellers: avoid being at home while your home is being shown.  Buyers: save your commentary for your agent; if you do encounter the seller in person keep your conversation respectful and avoid critiquing the house or the list price.

2. Being unqualified for mortgage financing. When a seller signs a buyer’s offer, most often the seller agrees to effectively pull the home off the market, forgoing other buyers who might be interested.  As such, the only thing worse than getting no offers on your home is getting an offer, getting into contract, then having the whole thing fall apart when the buyer’s loan falls through – especially if that could have been predicted or avoided up front.

Sellers: Work with your agent to vet your home’s buyers’ qualifications, including their loan approval, down payment and earnest money deposit – before you sign a contract.  It’s not overkill for your agent to call the buyers’ mortgage pro before you sign the contract and get a level of comfort for how robust their qualifications are.  Buyers:  Get pre-approved.  Seriously.  And make sure that you don’t buy a car, quit your job, deposit lottery winnings or do any other financial twitchery between the time you get loan approval and the time you close escrow on your home.

3. Making unjustified lowball offers. No one likes to feel like they are being taken advantage of.  And sellers generally know the ballpark amount that their home is worth, as well as what they need to sell it for to get their mortgage paid off.  Yes – the price you pay for a home should be driven by its fair market value, rather than the seller’s financial needs, and deals are more available in a market like the current one, in which supply so vastly outpaces demand. But just throwing uber-lowball offers out at sellers hoping one will hit the spot is not generally a successful strategy, especially if you really, really want a given property.

Sellers:  Don’t get overly emotional about receiving a lowball offer; counter at the price you and your agent decide makes sense based on the total circumstances, including your motivation level, recent comps and the interest/activity level your listing is receiving. Buyers:  Work through the similar, nearby homes that have recently sold (a/k/a comparables) before you make an offer to factor the home’s fair market value into your offer price – also factor in how much you want the place, too.  Don’t be amazed if you make an offer far below asking, and don’t get a response.

4. Renegotiating mid-stream. Sellers plan their finances, moves and  - to some extent – their lives around the purchase price a buyer agrees to pay for their home.  If you get into contract to buy a home, find out during inspections that costly repairs need to be made, then propose a lower sale price, repair credit or even actual repairs to the seller, that’s sensible and fair.  But if you were aware that the property needed a lot of work before you made an offer on it, then you come back asking for beaucoup bucks’ worth of credit or price reductions midstream, expect the seller to cry foul.  And holding the seller up two weeks into the transaction because you caught a case of buyer's remorse? Not cool, and not likely to foster the spirit of cooperation you may need to get your deal closed.

Sellers: avoid mid-stream price renegotiations by having a full set of inspection reports and repair bids at hand when you list your home. Buyers: try to avoid renegotiating the entire deal unless you get some major surprises at your inspections or inflating small repairs to try to justify a major price cut.

5. Misleading or setting the seller up.  Remember when we talked about buyer turn-offs?  Being misled by listing photos or very fluffy property descriptions was high on the list.  The same goes for sellers.Offering way over asking with the plan to hammer the seller for a reduction when the house doesn’t appraise at the purchase price?  #LAME  Making an as-is offer planning the whole time to come back and ask for every penny ante repair called out by the inspectors?  Lame squared.

Sellers:  If you get multiple offers and are tempted to take a sky-high one or one that claims to be all cash, consider requesting proof that the buyer has sufficient funds to make up the difference between what you think the home will appraise for and the actual sale price, and statements showing the cash truly exists.  Buyers: Don’t be lame. I’m not saying you have to tell the seller exactly what your top dollar is, but making offers with terms designed to intentionally mislead is really, really bad form – and can result in losing the home entirely if and when your bluff gets called.

TOP 5 HEALTHIEST FOODS

SALMON

Hands down! It is a good source of protein and omega 3 fatty acids - which has been shown to decrease LDL cholesterol and raise HDL cholesterol. In 2002, the American Heart Association recommended eating at least 2 servings of fish a week, particularly fatty fish such as salmon. With increasing public concerns over farmed salmon, choose wild salmon. Most canned salmon are wild

SOY
Soy products are great substitutes for animal products. Soy beans contain high amounts of protein which comprise of all essential amino acids (the only such vegetable source to do so). Soy beans are also a rich source of calcium, iron, zinc, phosphorus, magnesium, B vitamins, omega 3 fatty acids and fiber. Numerous scientific studies demonstrated that a diet containing significant soy protein may benefit heart health. In addition, more and more studies are being published suggesting other health benefits of soy such as the prevention of prostate & breast cancer as well as osteoporosis.


GREENS
Green vegetables such as kale, chard, collard greens, bok choy, broccoli, asparagus, green beans, etc... are packed with vitamins A and C, iron, calcium and phytonutrients. They are very filling, high in fiber and low in calories. Cook them or eat them raw - toss them into your salad and reap the nutritional benefits!


BERRIES
They are loaded with Vitamin C, folate, fiber and phytonutrients. Fresh berries are some of the most powerful disease-fighting foods available as they top the ORAC score chart (a method of measuring antioxidant activity).


WHOLE GRAINS
Whole grains have some valuable antioxidants not found in fruits and vegetables. They also contain B vitamins, vitamin E, magnesium, iron and fiber. Dietary Guidelines for Americans recommend that all adults eat half their grains as whole grains - that's 3 to 5 servings of whole grains a day. To include more servings of whole grains in your diet, use whole-wheat flour in your recipes instead of white flour. Look for the word "whole" when purchasing packaged foods such as cereals, biscuits, pasta and breads. In addition, try adding wild rice, brown rice, quinoa or barley in your soup to increase whole grain intake. (Quinoa is my favorite!)

EAT WELL - BE FIT - LIVE LONG !!!!

FRIDAY FUNNIES - FITNESS

LOL

• It is well documented that for every minute that you exercise, you add one minute to your life. This enables you at 85 years old to spend an additional 5 months in a nursing home at $5000 per month.
• My grandmother started walking five miles a day when she was 60. Now she's 97 years old and we don't know where she is.
• The only reason I would take up exercising is so that I could hear heavy breathing again.
• I joined a health club last year, spent about 400 bucks. Haven't lost a pound. Apparently you have to show up.
• I have to exercise early in the morning before my brain figures out what I'm doing.
• I like long walks, especially when they are taken by people who annoy me.
• I have flabby thighs, but fortunately my stomach covers them.
• The advantage of exercising every day is that you die healthier.
• If you are going to try cross-country skiing, start with a small country.
• And last but not least: I don't exercise because it makes the ice jump right out of my glass

BE A WEEKEND WARRIOR!

Plan Fitness for the Weekend!
Don't let the weekend jeopardize your fitness plan. Weekends are a much-needed respite from your cranky boss, hectic commute and 10-hour stretches in front of a computer. But if you spend two full days partying until dawn, guzzling down drinks, and giving up on your diet, you'll feel like you were run over by a truck come Sunday night. Learn how to use the weekend to focus on fitness and nutrition, recharge and rejuvenate without sacrificing fun.
Weekend Fitness Tip:
Shop on Saturday
By the end of the work week, your fridge probably contains a whole lot of nothing. Rather than eating string cheese from last May (that never ends well), do your grocery shopping on Saturday so you can stock up for the rest of the weekend and work week ahead. Ordering in or dining out from Friday to Sunday can be expensive and unhealthy since you may not know how things are prepared.
Weekend Fitness Tip:
Plan Your Meals for the Week
Don't just aimlessly pile up your cart at the supermarket. (Turkey, gummy bears and an onion does not add up to dinner!) Planning ahead saves time and money. Making a list of what you'll need for complete meals and snacks helps you get in, get out and get back to your weekend! If you need some cooking inspiration, peruse your favorite food websites for healthy meal ideas and trade recipes with your friends.
Weekend Fitness Tip:
Don't Try to Catch up on Sleep
But weekends were invented for sleeping in, right? Not exactly. Recent studies prove that sleeping until noon on a Sunday morning will not make up for the minimal amount of shut-eye you got last week. Michael Braus, Ph.D., author of 'Beauty Sleep: Look Younger, Lose Weight, and Feel Great Through Better Sleep', recommends trying to keep within 30-60 minutes of your regular bedtime and wake time. Sticking to a schedule promotes better quality sleep, which can have a lasting impact on beauty, weight, sex, health and more.
"Use weekends to prepare for a long work week rather than trying to make up for them," Breus adds. Find for more sleeping tips from Dr. Breus.
Weekend Fitness Tip:
Do a "Fast Food" Makeover
Finally - two blissful days where you can whip up a nice breakfast instead of eating cereal out of a plastic bag at your desk. If you crave an egg and cheese sandwich on Sunday mornings, give your favorite fast food a healthy makeover with these simple swaps:
Bacon: Try Canadian Bacon
Biscuit: Try English Muffin or Whole Wheat Toast
Eggs: Try Egg Whites or Egg Substitute
Cheese: Try Slice of low fat or spreadable cheese
Sausage: Try Vegetarian sausage
Weekend Fitness Tip:
Create a Weekend Workout Schedule
Weekends are the perfect time to invest in your long-term fitness and nutrition goals (especially because you don't have to fight anyone for an elliptical). Follow a weekend workout schedule so you can plan your day accordingly. If you have a set time and a game plan, you're less likely to skip out on your workout. Tip: go before you start tackling your to-do list for the day. This also frees up your late afternoons for a reality-TV marathon of your choice. Yes!
Weekend Fitness Tip:
Have a Better Brunch
After a few too many Bellinis and slices of bacon, you can say goodbye to all the hard work you put in at the gym. Your best brunch bet is a protein packed omelet (egg whites if you like), filled with your favorite veggies and light on the cheese. Choose wheat or whole grain toast instead of a roll or white bread. Pass on the potatoes and ask for a side salad or sliced tomatoes instead. Keep your breakfast booze to a minimum.
Weekend Fitness Tip:
Don't Drink your Calories
From coffee to cocktails, high-calorie drinks can really sabotage your diet. Steer clear of fattening specialty coffee drinks and go for a small skim latte with cinnamon sprinkled on top. When you're out on the town, anything frozen and/or topped with an umbrella (think daiquiris and margaritas) is probably loaded with calories. Opt for light beer (100 calories a bottle or less) or one shot of hard alcohol mixed with a zero-calorie soda and lime. Avoid high-calorie sodas or juices. Be sure to order a water or club soda in between drinks to rehydrate.
Weekend Fitness Tip:
Dine Right
If you're going out for dinner, start with a salad or vegetable-based soup as an appetizer. Choose fresh fish or lean meat entrees rather than pasta in heavy cream sauce. Don't be afraid to ask for substitutions. If you're craving something that's a bit of a splurge, order the appetizer portion with a salad to keep portion control in check.
Weekend Fitness Tip:
Have a Power Walking Powwow
Spending time with friends usually revolves around food and drinks. Why not catch up over a long walk around the neighborhood? Not only will brisk power walking burn calories, but it will get you outside for some fresh air—and keep you away from the fridge and FaceBook! :-) Exercising with friends is a great way to stay motivated and keep each other on track.
Weekend Fitness Tip:
Channel Grandma
Spend some time in the kitchen preparing a few meals that can easily freeze, like chili or pot of homemade chicken soup. You'll be so glad you planned ahead after a long, stressful day when you have zero motivation to chop, dice or bake.

What's your weekend fitness schedule? Does power walking work for you? Share your weekend fitness and nutrition goals with me!

TIPS FOR INVESTING A TAX REFUND IN YOUR HOME

HouseLogic talks to financial planner Alan D. Kahn, who offers tips for investing a tax refund in your home based on where you are in life—and with your home. He says it sometimes makes sense to invest in home improvement projects, depending on your age and financial situation.

Paying income taxes is never fun, but there’s a silver lining when you get money back. The average tax refund fluctuates from year to year, but lately it’s been in the neighborhood of $2,500. That’s a nice neighborhood.

An extra $2,500 from the IRS can do a lot of good around the house, from insulating an attic to sprucing up a dated bathroom. It can also pay down high-interest debt, or help you get ahead on mortgage payments. How do you decide?

Alan D. Kahn, a financial planner in Syosset, N.Y., offers tips for investing a tax refund in your home. Depending on your life stage and financial circumstances, sometimes it makes sense to invest the money in home-related projects. Other times, the best investment you can make in your home is not investing in it at all.

HouseLogic: What should be your priority if you get a $2,500 refund?

Alan Kahn: No matter what your situation, first and foremost, if you have credit card debt, pay it down. That’s the one item that’s creating financial havoc throughout the country. In fact, the enormous interest payments may ultimately affect your ability to meet mortgage payments.

Although you may be tempted to put a refund in a retirement account, and just continue paying the credit card minimum each month, retirement accounts may not be earning much. However, your credit card company may be charging 15% or more. The best thing to do is get rid of that noose.

HL: What’s the next priority?

AK: Use the refund to create, or add to, an emergency fund, to cover something like a new hot water heater or leaky roof. You need a liquid account you can access quickly.

After that, it all depends on where you are in your life and with your home. If you have children, a 529 college savings plan is a good idea. You may get a state income tax break if you invest in your state’s 529 plan. If college is not an issue, add to your retirement plan.

Also, some may think, “Now I can afford the life or home insurance I knew I should have,” but this is poor reasoning: You should have that anyway, not wait for an IRS windfall.

HL: What about settling non-credit card debt, such as getting ahead on mortgage payments?

AK: This is a little trickier. If you’re fairly young and have many years ahead at a low fixed rate, in the 4% to 5% range, don’t bother with early repayments. But if you’re older and the end is in sight, it can be nice to own your house outright. It gives you a future pool for a loan you may need later, or a reverse mortgage. Some may say you shouldn’t have money tied up in your house, but I say, “Don’t feel this is bad!” You can get more liquidity later, if you need it.

HL: What about HELOCs?

AK: Many homeowners have taken out home equity lines of credit or similar second-mortgage products. These usually give you a tax break and tend to have a low interest rate, so again, you probably don’t need to use a refund to pay these down, unless they’re very high.

HL: How about using the refund to improve your house and make it more valuable?

AK: If you’re thinking of selling your house in the near future, you can use a refund to help with a remodeling job that you may get back later in the form of a higher selling price. An extra bathroom may make a house more saleable in a tough market.

But don’t think too much in the long term. If you’re planning to spend many years in your home, it’s too early to think about the future [sale of it]. Of course, you can still make a home improvement, but it should be something that makes you happy, not some far-distant buyer.

Selling a Home in a Buyer’s Market

The title of this really should read ‘Buying and Selling a Home Simultaneously in a Buyer’s Market’.
In my daily life as a Realtor, I come across lots of folks who do not sell their home even though they want to. The thought process is that they have bought sometime over the last five years or so and know if they put their home on the market they will be taking a loss.
In the our area the peak of the Real Estate market was in the Spring of 2007, so if you purchased a home after that there is no question you will be taking a loss on that home if you sell today . In Central and Upper Bucks, depending on the exact location and the type of property, the peak in values could be down anywhere from 20%-30%.
When people think about the concept of selling their home, many can not get past the fact that they will take a loss on their current home. They fail to see the ‘Bigger Real Estate Picture’. If you are going to stay local, selling your home in a buyer’s market is not an issue because you are going to be purchasing a home under the same market conditions! Evenif you are moving out of the area, the same conditions exist virtually everywhere else.
……………………….
Here is a simple Real Estate concept to grasp. You bought your home for $500,000 and using a figure of 20% it has dropped in value to $400,000. You have lost $100,000 on paper! This is where the thought process ends for many people. It is easy to get caught up thinking about the loss and forget that, when you are moving up in the market, what used to be an $700,000 home is now worth $560,000 using the same 20% drop in value.
If values had remained flat and there wasn’t a Real Estate correction you would be going from a home valued at $500,000 up to a home worth $700,000. A difference of $200,000. In the present buyers market scenario the difference is $400,000 to $560,000 or a spread of $160,000. If you are moving up you saved yourself $40,000.
What if you are stepping down in the market? Let’s turn the above example around. You owned a $700,000 home that is now worth $560,000. It is too large for your needs and has become expensive to heat, maintain and pay taxes on. You desire something more manageable and affordable.
Well guess what the home that you planned on buying five years ago for $700,000 is now only going to cost you $560,000. So what has happened is you have lost $40,000 in buying power. A 20% loss on 700k = $140,000. A 20% loss on $500,000 = $100,000. $140,000 – $100,000 = $40,000
So moving down isn’t ideal as moving up but a loss of $40,000 is certainly much different than taking a paper loss of $160,000 especially if it is going to make your payments and cost to maintain the home much more reasonable.

The biggest differentiating factor in looking at whether or not it makes sense to move is often times just about what you are trying to accomplish. Is it a lifestyle change, looking to get into better schools for the kids, having a shorter commuting time, etc. What are your desired goals?
One of the biggest factors that should never be overlooked in your decision making process is the present cost of money compared to what you are paying right now. In other words what does the current interest rate environment look like in today’s environment? If you can get an even better interest rate than you currently have on your present home it could be the perfect time to find a new home. Even if the rate is close to the same it may be the best time for you.
Once you have made up your mind to sell your property there are three things that can ensure you will be successful:

·         Price your home properly.

• Pick the right Realtor with whom to work.
• Make your home as presentable and easy to show as possible.

If you do these three things you can be successful in a buyer’s or seller’s market. There are plenty of Bucks County properties selling! The common denominator of all of my sales are those three items.
If you’re in the planning stages of making a move, or even just considering it…..  Make an appointment with me part of your thinking process. Given the facts about your property in today’s market will give you the information that you need to make your decisions. I’m happy to meet with you with no obligation – just information.

TOP 25 FITTEST & FATTEST CITIES

Top 25 Fittest Cities according to Men Fitness Magazine
1. Baltimore, MD

2. Honolulu, HI
3. Virginia Beach, VA
4. Tucson, AZ
5. Milwaukee, WI  
6. Colorado Springs, CO
7. San Francisco, CA  
8. Seattle, WA (1)
9. Louisville-Jefferson, KY
10. Boston, MA
11. Sacramento
12. Nashville-Davidson, TN
13. Albuquerque, NM   
14. Tulsa, OK  
15. Phoenix, AZ  
16. Atlanta, GA  
17. Portland, OR  
18. Washington D.C.  
19. Oakland, CA  
20. Denver, CO  
21. Minneapolis  
22. Arlington, TX
23. Austin, TX  
24. Jacksonville, FL
25. Omaha, NE

  Top 25 Fattest Cities according to Men Fitness Magazine
1. Chicago, IL
2. Las Vegas, NV
3. Los Angeles, CA
4. Dallas, TX
5. Houston, TX
6. Memphis, TN
7. Long Beach, CA
8. El Paso, TX
9. Kansas City, MO
10. Mesa, AZ
11. Indianapolis, IN
12. San Antonio, TX
13. Fort Worth, TX
14. Miami, FL
15. Detroit, MI
16. Columbus, OH
17. Oklahoma City, OK
18. Cleveland, OH
19. Wichita, KS
20. Charlotte, NC
21. San Diego, CA
22. Fresno, CA
23. Philadelphia, PA
24. San Jose, CA
25. New York, NY

 

FRIDAY FUNNIES (LOL)

"I have to have a raise in my commission," the agent said to his manager. "There are three other companies after me."
"Is that so?" asked the manager. "What other companies are after you?"
"The electric company, the telephone company, and the gas company."
..............

A client bought a new home and the broker wanted to send flowers for the occasion.
They arrived at the home and the owner read the card; it said "Rest in Peace".

The owner was angry and called the florist to complain. After he had told the florist of the obvious mistake and how angry he was, the florist said. "Sir, I'm really sorry for the mistake, but rather than getting angry you should imagine this: somewhere there is a funeral taking place today, and they have flowers with a note saying, "Congratulations on your new home".

HAVE A GREAT WEEKEND!