A deeper connection within your tribe can be found with your "satellite". This concept is discussed in the book "Succeeding When You're Supposed to Fail" by Rom Brafman. A satellite is someone who is consistently available when needed. Satellites are there as a point of strength. You gain security knowing someone is always rooting for you. Having someone you can turn to whenever you need help makes enduring life's tough times a lot easier. A satellite gives "unconditional positive regard", support and acceptance with no strings attached. A strong satellite is there no matter what without a selfish motive.You are comforted knowing someone is out there who cares for you...someone you can talk to about anything...someone who won't judge you...someone who is honest and direct while also being caring and respectful.
Ask yourself..."Who influences my ability to overcome adversity"? "Who brings out the best in me"? "Who is truly looking out for me"? "Who can I trust unconditionally"?
The right satellite can awaken new potential and possibilities in your life and help you achieve your goals. Strive to be a satellite too! Be someone who brings out the best in people. Be someone who people can trust. Be someone people can depend on. Be with your tribe! Find your satellite and cherish them! http://www.navalightnow.com/
Mortgage 101
Not only do you have to understand what type of mortgage to choose, you must understand the costs associated with your mortgage. All of these costs will be paid upon closing your mortgage.
Purchase Points: Purchase points, also known as a "buy-down" or "discount points", are an up-front fee paid to the lender at closing to buy-down or lower your interest rate over the life of the loan. Each point is equal to one percent of your total loan amount. The more points you buy, the lower your interest rate, but the more money you'll need at closing.
Interest Rate: When you get a mortgage, you are charged an interest rate. This is the rate which the lender charges you for using their money to buy a home. It determines how much your monthly payments will be. Generally speaking, the higher the interest rate, the higher your monthly payment.
Fees: There are always fees associated with getting a mortgage. These fees cover the cost of processing and underwriting the loan. These fees can include charges for ensuring the title to the home is free and clear, paying for a land survey, or paying for a home appraisal which gives you the estimated value of the property (lenders require an appraisal to close on your mortgage).
Deciding which mortgage to get may depend on what each lender does because different lenders may charge different amounts. Before it comes time to close, do your homework, make sure there are no hidden fees, and ask your lender lots of questions so you understand all the costs involved with your mortgage.
*Courtesy of Yahoo Real Estate
Mortgage Loan Type This Week Last Week
15 Year Fixed 3.442% 3.458%
30 Year Fixed 4.151% 4.180%
1 Year ARM 3.193% 3.192%
5/1 Year ARM 3.181% 3.219%
Where in the World...Washington, DC
DC is not part of any US state; it was formed from land donated by Maryland. The population was approximately 617,996 in 2011, however, population rises to over one million during the workweek due to commuters from Maryland and Virginia.
All three branches of the federal government are located in DC, as are many of our nation's best known monuments and museums. DC also serves as the headquarters of the World Bank, the International Monetary Fund (IMF) and is host to 176 foreign embassies.
Each year, the National Cherry Blossom Festival celebrates spring in DC. The trees were a gift from Tokyo, Japan. For a century now, visitors and residents have been enjoying the beautiful pink blossoms. This year's National Cherry Blossom Festival will be held March 20 - April 27, 2012.
Need ideas for planning a trip to Washington, DC? Let us know. We are happy to help!
Data through 1/31/2012
Median List Price $400,000
1-Year Change +1.7%
Median Sale Price $426,700
Homes Sold in Jan '12 430
Ave Property Taxes $3,186
Zillow Value Index $363,700
Median Home Size 1288 sqft
Ave Year Built 1936
PLACES TO GO | EVENTS | THINGS TO SEE
Mar 20 to Apr 27 | National Cherry Blossom Festival, Washington, DC www.nationalcherryblossomfestival.org
Apr 1 | Hartford Bridal Expo, XL Center, Hartford, CT www.xlcenter.com
Apr 14 | The Fray (in concert), Foxwoods Resort & Casino, Mashantucket, CT www.foxwoods.com
Apr 22 | Poetry Party, 3:00 pm, Hillstead Museum, Farmington, CT www.hillstead.org
Apr 22 | Earth Day! Check around your local community to see how you can make a difference.
Apr 27 to 29 | Daffodil Festival, Nantucket, MA www.nantucketchamber.org
Apr 28 to 29 | Day Out with Thomas, Essex Steam Train, Essex, CT www.essexsteamtrain.com
Apr 28 to 29 | CT Vegetarian & Healthy Living Festival, CT Convention Ctr, Hartford, CT www.ctconventions.com
Apr 28 to 29 | New England Regional Chili Cook Off, Somers, ,CT www.chilict.com
Closing Congratulations: Jimmy Magriplis and Rita Halkias, Nancy Kalmin and Tom Catucci
Referral Thanks: Josh Scherer, Janet Mundle, Matt & Julia Forneris, Jeremy Fedorchick, Vincent, Greg Gorski, Shawn Kruse, Laurel Beloin, Diane & Dennis Soucy and Susan
* Thanks for making CRE #3 in contracted sales and #4 in contracted volume for February in the Keller Williams New England Region, comprised of 2365 agents *
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