Decisive is Always A Win!

It's amazing what happens when we take some risk. If anything, I have finally learned how to take calculated risk. In retrospect, there are some people that cross your path who are worth it. And, there are those that are simply worthy of bothering someone else with all of their problems, issues, dramas, whinings, complaints, and daily negative problem attitudes.

I have decreased my desire to "help" people who need to be helped. I finally accepted that my responsibilities do not lie in saving the world, just my own. And, anything or anyone that comes into my space to threaten stability does not belong in my universe.

Period.

Over time, I have had to learn to maintain my boundaries. And, I have had to learn to simply not tolerate mess. My life is beautiful.


I can agree when you know what you want.

It's shows up in your life.

Period.

No questions asked.

You make decisions.

And, move on.

Part of the journey through myself has been me finding me at the core of my being and honoring the most authentic part of my internal self.

Rebirth.
New Life.
New Meaning.
New Purpose.
New Authenticity.
New Love.
New Joy.
New Happiness.
New Peace.

It's a wonderful feeling to be in my own authentic space in the universe:).

$5,000.00 in Backyard Upgrades For 109 KRISTI PATH!!!

109 KRISTI PATH IS CLOSE TO DYESS AFB AND READY FOR IMMEDIATE MOVE IN!!!

$5,000.00 in CLOSING, 1 YR WARRANTY, and a 30 DAY LEASE PERIOD (If Needed)! KRISTI IS LIVING. CHARMING. DIFFERENTLY in this 4BD, 3BA 2257 SQFT with Custom Wood Panel Ceilings & Engineered Hardwood Floors! The Gourmet Kitchen has Floor to Ceiling Cabinets, Granite Countertops, a Beautiful Island, and a Decorative Tile Backsplash. The almost Acre Lot is Perfect to host Sports & Family Gatherings from the Outdoor Kitchen. 5 Minutes to Kirby Lake. Disclaimer: Furniture is Virtually Staged.

Contact Rashida at 214-471-5424 or rashidatherealtor1@gmail.com for a Showing appointment! 

COVID-19 MORTGAGE MARKET CHANGES

The past 45 Days have been a slow creeping nightmare that we all wish we could wake up from. COVID-19 has disrupted any sense of normalcy. And, it looks like the way we live now, will be our new normal. What does this mean for the Mortgage and Real Estate Markets? 

Well, let’s start with the facts first. As of today 5/3/20 the FHLMC 30 Yr Mortgage Prime Rate is still hovering at 3.23%! These are absolute historic low!! Throughout history, we, as a country, have never seen rates quite this low.. It’s UNPRECEDENTED, UNHEARD OF! Therefore, if you are in a position to buy a home, CEASE this opportunity!!!  The low rates are producing high volume for refinances, which means, that if you need a job and have any type of real estate finance or mortgage experience, guess what? Banks are hiring!! They’re begging people to come to work with such high demand. 

Second, this current market...it’s the new normal. Yup, you hear it right, there’s is No going back to the way things were. Who remembers the 2008 Mortgage Crisis Recession Crash?  Banks have had 12 Yrs  to learn from mistakes. They’ve spent this time making sure that their risk management practices were tough so that when a crisis like this hit, they’d survive. Bear Stearns and Lehman Brothers Anyone? Right, no one even remembers who they are anymore. The big banks aren’t sweating as much because they’ve spent all that time in the stance of  “in the unlikely case of” scenarios. 

Thirdly, Qualifying standards are tightening. On 4/11/20 JPMC announced that they would only approve loans with borrow who had a 700 Credit Score or Above. What does that mean for our Home Buyers? You will have to make sure your financial affairs are in line and order because the only way to get approval through this lender is having an A+ Credit Score.

 Does that mean Buyers who have credit scores under 700 can't get approved?  No, it just means they'll have to find a lender that services that market range.  

Finally, the Sellers have had to make some adjustments. As Realtors we’ve added a new COVID-19 Addendum to extend contracts in case the virus has had an impact of the closing date being pushed out. Will your house still sell? Absolutely! It may just take a little longer than planned considering the current circumstances. If you are considering selling & haven’t listed the property yet, you may want to consider your states guidelines on the Shelter-In-Place Policy. This will have an impact of your final outcome. Your home will still sell. You just may need to exercise some patience in the process. 

5.5.12, My Fabulous Mentors;-)!

Wow, here are some memories of us from 06-07 when I first met her and Staci, and Dee! I can't believe it's been this long since I have Seen them. I'm excited!

Be love,
Rashida

Dr. John Gray On Staying Love And The Importance of Dealing With Negative Emotions

3.7.12, Dr. John Gray On Negative Emotions Importance

Repost


Chopra Center Radio Interview with Dr. John Gray 8/11/11

"Negative emotions are a part of the authentic self also. But, they are messages that are starting to tell you that something is off. They are letting you know that your are losing connection with your soul. You are losing your authentic self. its the signal to let you know that something is wrong. So, you can take heed and get back in line with the authentic you. "be good feel good do good"....when we Start to fall off balance and you are believing something that is not true, that is the indicator which is what brings you back into balance. The awareness of negative emotions is always important.

There was the illusion that enlightenment would mean equanimity with no negative emotions. What enlightenment is, is an astute clear aware conscious of negative emotions so you can quickly bring yourself back into balance. Its kind of like walking on a tight rope, if the wind blows even a master will tip, but then he comes right back to balance. The key is to be able to know when your are tipping so you can come back into balance rather than to continue tipping and fall over.


what u can feel u can heal...how do u work through the emotional blocks that keep u from being a loving person. Working through the dark knight of the soul? once you are there people thinks that is it. No, That is the illusion. Now that you are there with consciousness a white screen every unresolved issue from childhood to adulthood begins to come forth. It does not eliminate your suffering it makes you aware of your suffering. Buddha talks abt the first step of enlightenment is higher conscious until you become 1 with the all and from that place you can no longer ignore that is inside….Going to the feelings is not just enough...but going through them and processing them, working through your feelings and reconciling them back to a place of greater insight hope, greater forgiveness, and greater love; Training the self to go through that process and get back to a state of true authenticity is where the treasure truly is. 

It was a journey that he had to go through so that finding the ability to love in relationships, which later allowed him to gain gender intelligence. Then seeing that the things we consider to be a snake is really just a stick. And, its a golden stick. Its a blessing its something that we can gain from."

xoxo

This Tim Sykes Guy...BS or No BS?!

ITS FAB FINANCE FRIDAYZ FOLKZ!!!

So I started studying markets a little over a yr ago when I took my 1st finance course at Harvard for my Master's. I found this guy in I want to say late January Early February, I've been watching him all year and paying attention to what he does and the jury is still out on whether or not using his strategy are the est approach to take...I'm a newbie so I'm in no rush to solidify a strategy quite yet. 

I will say that the guy upon first interactions (I.e. Watching his videos and things like that makes me think on Kanye West's Song Toast To The A** Holes lol). he rambles a lot so it's challenging to focus on The meat of his message, which is trying to figure out his Startegy or strategies so that you can understand it. On many occasions when trying to view his videos I ah e found myself saying, "Mannnn get to the Effin point" lol...and of he keeps on rambling I end up turning him off because it becomes kind of irritating. 

However, if you can get past the blatant rudeness of how he comes off and listen to him you'll realize he's pretty damn smart and half way knows what's he talking about. 

It took me a couple of months to get past the rude behavior I finally started to open up more around Julyish. Anyway, I wanted to repost a blog he wrote wednesday to give you and me both an idea of what he's talking about. 

You can become a challenge student, after looking around it cost like $5k not so sure I'm willing to spend $5,000 on someone I'm not so sure of that "might" have an ROI...I don't maybe my money lol 

I've been in The finance Game calculating risk way too long to make immature calls like that. So, I'll keep watching him and studying in my spare time and if I eventually believe he is 300% worth it I may do it. 

XOXO

see Post: 

http://www.timothysykes.com/2014/11/favorite-facebook-post-ever/

HAPPY VETERANS DAY!!!

HAPPY VETERANS DAY TO ALL THE MEN AND WOMEN WHO HAVE SERVE AND CONTINUE TO SERVE OUR COUNTRY! 

#FREEDOMISNTFREE 

#WESALUTEYOU 

#POW/MIA

Bankers vs Consultants=HILarious

This is one thing I know for sure about myself. My passion is Finance. My career Finance.....and even if working in a consulting capacity, the bottom underlining recurrent for me.....Finance. It's been ABSOLUTELY AMAZING to experience consultants try to implement finance processes, systems, and improvements.

Do I know the numbers?....meaning balance sheets, cap ratios, income & asset statements...Yup! My strength just tends to be in knowing financial laws naturally...don't ask me how...lol, I just do.

Anyway....Now, I see why there is the staunch difference in Financiers and Consultants in Bschool and the long history in the battle of who means more lol.

Finance people are about bottom lines. Period. End Result Figure. Consultants on the other hand......hmmmm how shall I say it, "How's the Air Up There?" Consultants have a view of creating value slowly over the long term and "eventually" seeing a return.....on the other hand Finance Geeks run screaming the Black Eyed Peas song, "Iiiiiii Waaaannnnt It Noooooow!"....lol, AT THE TOP OF OUR LUNGS! Lmbo

Hey, I guess that's why we end up working in the sector we do. And, add to it these huge the technology companies jumping into "Emerging Markets"....dude....I guarantee you it makes for an interesting mix that add Humor  24/7 lol...At least I don't Get the deer in the headlights look anymore when I am talking to the Consultants. I can at least act like I know what I am talking about and hit up a happy hour without stumbling all over myself lol.

Anyway....the "how's the air up there"...Is the constant pop up comic that comes into my head as I am trying to explain how maximizing my time means time value of money.....I tend to pause a lot while I am speaking to them and ask them, "Does That Make Sense?"

That is the main question I use day in and day out....lol means that they are very abstract, aloof, vague, and general. And, THEY CAN MAKE ONE HELL OF A POWERPOINT, LOL....everything that a Finance person is NOT.

See the Ever So Classic Video:

Damn It feels Good To Be A Banker:

Lmbo at the "dude, your blackberry is like 3yrs Old!" That's Like an Android to the IP6!!! Lmao....ROTFL!

Top 10 Websites 4 Finance Basics!

Next I wanted to talk about the TOP 10  Websites and Apps EVERY Single Hawt Mami should have saved in the bookmarks on their computer  and  phone! For the Kiddos there are only 7.  

First we will do the websites.

#1) www.suzeorman.com

#2) https://home.capitalone360.com/online-checking-account

#3) www.mint.com

#4) www.gogirlfinance.com

#5) www.learnvest.com

#6) www.motifinvesting.com

#7) www.googlefinance.com

#8) www.serve.com

#9) www.bluebirdchecking.com

#10) www.creditkarma.com

For the Kids

#1) http://www.handsonbanking.org/htdocs/en/k/

#2) www.401kkid.com

#3) https://www.wellsfargo.com/savings-cds/kids/

#4) http://www.richkidsmartkid.com/

#5) http://www.fantasystockexchange.biz/

#6) http://www.stockmarketgame.org/

#7) http://www.prongo.com/stock/index.pl

These are pretty self explanatory, take some time to check them out and do a little browsing! 

 You might find some pretty useful ones to use! 

XOXO

THE PASSIONS (Parenting And Finance)

There are 2 things that I love that are absolutely essential to life is my Love for Parenting and Finance!! Over the past few yrs of learning how to navigate the maze of single parenting, I learned eventually that the things that were important to me b4 becoming a Mami, were just as important to me after I became one.  The challenge was realizing that they were missing from my life as it slowly started to stack back up and feel like it was in order again.  

I love to dance to but, i wont be writing about it regularly. One of the things I was naturally born to do is Dance, I started taking Dance lessons very early on around 6/7 years old.  I can remember when Micheal Jackson's Thriller came out in the early 80s I had to be all of maybe 3/4, Friday nights in our house were dedicated to Music on the Record Player and Radio, and during his world preview, as the baby, I joined the rest of my family in the living room, shakin my little money maker and showin them what I was workin with lol.  And, since then, it has never parted from me, because we didn't dance teams I ended up expressing my love for music and dance through cheer leading well nto my college years.     

And, even now, after a became a Hawt Mami, I began sharing music with my child as soon as he could comprehend it. Then, once old enough to dance, of course I bestowed our classic "shake you booty" dance on the kid lol.  Music and dance is just as much a passion now that it was 30 years ago.  

So, as you evolve in your parenting, know that yes there are certain aspects of yourself that you have to give up naturally.  However, there are also certain core things that you will never have to change and you can share them with your children as they grow and instill the importance for having passion in something.  I swear you will get so much job from watching your kid at Hip Hop Dance Festival Break Dancin' and think to your self, "Wow, i taught the first Pop Lock Combo to my kid...Pretty Amazing!"

So my question to you Mami, is what have you been passionate about previously?  Recognize those things and incorporate them into your parenting.  It will make both of you extremely happy:-)!

XOXO

SINGLE MAMI'S RULE: THE TOP 5 TIPS 4 NAVIGATING SINGLE MAMIHOOD!

Hunnie, we dont just create, but our Badd Azz's make the world go round!  #JKI mean seriously, from birth on it is the women who bears most of the responsibility for your child whether you are married or not.  And, Single Mami's do that much more because we lack the traditional household structure.  Does that mean that you cant thrive being a Single Mami? Absolutely not.

Here are the TOP 5 TIPS I learned over the Past 7 Years that work hands down to make your life easier.

Rule #1 Thou Shalt Recognize Life Will Never Be The Same!

You were HAWT AND FABULOUS B4 that Kid....I get it, I know....however, there will become a time, where you will realize that you ARE STILL HAWT AND FABULOUS WITH THE DAMN KID!  So, embrace that ISH!  lol, Your life and priorities are completely different know that you are providing for your little one on your own.  So, all the fabulous parties, social outings, and conferences, date nights, all that stuff will have to be put on hold while you restructure your life and focus on the needs of your kid.  When you become a HAWT Mami, you are no longer first, the needs of your child are.  So, focus on rebuilding your life around the two of you and then you will notice as time goes on life will become easier to manage.  The first year of life is so very important, so your focus should be giving your little all the love, nourishment, and support.  I relocated to a brand new city and stayed at home with my son the first year of his life even though I was strapped tight financially.  I had saved enough to last me several months considering the fact that I knew I may not want to return to work immediately.  In doing that, I was able to give him everything he needed while we adjusted to our new life in the new city. We ended up having more than enough until I was ready to return back to work.   I did have to pinch pennies.  And, I did eventually finish navigating through the courts for child support.  But, those first few months were tight.  And, we made it out just fine.  with that being said, this lead me to my next point.   

Rule #2 Thou Shalt Pinch A Damn Penny****COINS, HUNNIE COINS***

When you become a HAWT Mami every penny counts, because they have so many needs. You don't have to be cheap, however you have to be financially conscious of every penny that you have.  In the process of that you want to slowly build up an emergency fund for those unexpected occurrences that happen b/c trust me, there will ALWAYS be Something Unexpected (i.e. trips to the dr that may turn into a week long hospital stay, getting sick, etc.)


Rule #3 Thou Shalt Build a Support System!

Live close to a support system (i.e. family, friends, college alum, sorority sisters, church members etc).  I have traveled a great deal over the past 3 years with my career, and I have found the cities that were most memorable and worked best for my lifestyle were the ones who provides some type of support for my lifestyle.  Its very challenging to go to new cities constantly traveling for work, so I always made sure that I utilized my network and the opportunity to reconnect with family and friends I had loss touch with through the years.  It create new opportunities for revived relationships to grow and begin a new chapter.  Often times, most of my friends and family had started having little ones around the same time i did, so that made it even better because now there was a chance for the whole family to bond with my circle.  #WINNING

Rule #4 Thous Shalt Find a Bomb Azz Babysitter

Naaahhh, i'm not talkin about "bomb azz" in Modernista she "snatched" terms.  I'm talking about Bomb in the fact that this chic is reliable, available when you need her, has adequate transportation, is responsible, has several reference,  cooks, cleans, changes diapers, schedules play dates and takes your kids out (on approved basis of course) when you will be away for long periods of time, and has undergone your rigorous, 3 Interview, 3-4 Reference Check, and thorough background Checks.....Now That's a Bomb AZZ Babysitter!!! You have to give your terms and conditions up front and let them know what you are looking for.  I often times find sitters by referrals, other times, i find them when i am at parks and I am observing them interact with a child for an extended period of time, this specifically applies to when I am in affluent areas that are close by.  More often times than not, this will be a Mami's helper that watches the kids while she shops and runs errands etc. And, if I like them before they leave, i'll ask them if they are taking on new clients and get their info and put them through the regular screening process.  It may sound like a lot, but trust me, you will be OVER PROTECTIVE about who is around your child 24/24....literally.

Rule #5 Thou Shalt Realize Shopping Will Never Be The Same!

Giiiiiiirrrrrllll, if you are used to spending money on Loubous, Jimmy Choos, Steve Madden's, Michael Kors, And J's....i'm here to tell you nothing will hit your wallet like the beautiful joy off bring life into this world! Lol, You know that spectacular effortlessly maintained wardrobe and shoe collection you keep as a young Modernista?  Hunnie, wave bye bye to those random shopping sprees jus to look good and cause u feel like it....hunnie BYE!  Those days are long gone....you will never again step into a store and think about yourself first. I hate to be the bearer of bad news its just the truth.  And, even when you make a shopping trip, purposely, for the sole point of buying yourself clothes you still will be unable to do it.....that whole saying"put yourself first"  goes completely out of the door and you will have to remind yourself that you are here to buy clothes for YOU! And, in that moment, you'll walk by something cute, and be like, OMG he/she would look so cute in that...i'm gonna go in here just 4 a sec....and i'm not buying anything, just looking."  30 mins later you come out with bags of stuff thinking how much money you saved and what a great deal that was lol....hunnie BYE! 

XOXO

Harvard Business Review on Leadership: The Discipline Of BuildingCharacter

"What is the difference between a type of ethical decision and a defining moment? and ethical decision typically involves choosing between two options one we know to be right and another we know to be wrong the defining moment however challenged us challenges us in a deeper way by asking us to choose between two or more ideals in which we deeply believe such challenges rarely have a correct response. Rather, their situation is created by circumstances that ask us to step forward and in the words of the American philosopher John Dewey "form or reveal ourselves".

We form our character in defining moments because we commit to irreversible courses of action that shape our personal and professional identities. we reveal something new about us to ourselves and others because defining moment uncover something that had been hidden or crystallize something that had been only partially know and we test ourselves because we discover whether we will live up to our personal ideals for only pay them lip service.

Specifically they are able to take time out from the chain of managerial tasks that consumes their time and undertake a process of probing self in query a process that is more often carried out on the run rather than in quiet seclusion. they're able to look below the busy surface of their daily lives and we focus on their core values and principles. once uncovered those values and principles renew their sense of purpose at work and act as a springboard for shrewd pragmatic politically astute action.

By repeating this process again and again throughout their work lives these executives are able to craft an authentic and strong identity based on their own rather than someone else's understanding of what is right and in this way they begin to make the transition from being a manager to becoming a leader.

Who am I? defining moments for individuals.

The most basic type of defining moment demands that managers resolve an urgent issue of personal identity that has serious implications for their careers two "rights" present themselves each one representing a possible and usually attractive life choice and there in lies the challenge there is no one right answer right is set against right."

Page 91-93

♥The Road Less Traveled...& Beyond!♥

I may have taken the road less traveled and beyond....I may have made unconvential choices to get me there....the lesson in this journey is that I got here....on my own.....with noone holding my hand and telling me its where I had to go.....the road less traveled is, indeed, the road that is beyond....I have created an exsistence that works for us....and in that creation....I have pushed myself, made tough decisions when I had to and made constant choices along the road when necessary....after all that is what being is a leader is.....its the ablity to decide day in and day out knowing that there are many solutions.....and you have to make the choice about the one that you believe is the best possible solution.....yes, I go on the road alone....yet in company with so many others unseen....I travel the most uncommon route that leads to a life of aristocracy...opposed to medicority....i travel the road less taken....and I travel it beyond my fears....i travel it beyond my comfort zone....i travel it to the land of greatness....where many have gone....and more look to come...yes, this is the road less traveled and beyond. 

♥Real Estate for $200-300k #IJS♥Beautiful♥

♥4.12.13, Weight Training Update♥

I am at the point in training, where we are seeing small results a little at a time.  And,  I am just ready to be there.  Yup, there goes My Patience again, lol.  I did  Full Body Lifting last Night.  I am super proud of my Self.  I am up to 90 Pounds on the Leg Press 3 Sets of 15, My Quads are definitely Popping & Defining.  My Barbell Squats are doing good, 20 Pounds each side and the bar is 45 Pounds, so about 85 Pounds, 3 Sets of 15.  Inner Outer Thighs up to about 75 Pounds 6 Sets of 15.  And, Last night, I used 15 Pound Free Weights doing 3 Sets of 10 Shoulder Press.  So, I am getting there.  My Strength has increased.  My stamina is super up.  And, my energy levels are steady.

This is just the part of the journey where I am frustrated because I am wanting to see more results sooner.  Well, I need to be more patient with myself.  I am literally working on transforming my body. And, defining muscle groups I have never seen before.  My Arms are Ripped!  Lol, anyway....its a journey.  I seriously started lifting about 1 month ago.  Thus, I am pretty satisfied with what I am seeing so far.  I am just ready to take it to the next level and see the stubborn body fat come off.

I keep here other athletes say, the goal is to be better than you were the day before and push your self.  And, for me, this is the final culmination of transforming my physical body into the woman I want to be.  This has been a goal of mines since I was 15 Years Old, so I am definitely working over time to get there.  I just didn't realize the challenge that it would entail after having a child.  Even with all the working out I have done since he was born, my body is still having to shift through some major hurdles to get that Pre Pregnancy Body Completely back.  Its doable and being done.   know so many Mami's who have done it, and are doing it...at first my goal was always to maintain my fit physique.  It takes on a different meaning, when you are talking about parading on a stage in 3 inc heels in a 2 Piece Bikini.

4.9.13, iFinance: So U Wanna Buy A House? Part 2

Good morning All, This is So you want to buy a house part 2. and today we're about to talk about Assets.

1) you are required to submit at least 30-60 Days of asset statements....meaning your bank account statement and your 401(k) and investment accounts.

2) You have to have at least two months reserves of your PITIA payments meaning (principal, interest, taxes, insurance, association fees).

3) you are required to explain any ins unusual large deposits that are 25% higher than your normal monthly income in a letter of explanation.

4) You have to have a established a normal, consistent banking relationship that shows your behavior with money...(meaning, if you constantly overdraw your account, it will show in the bank statements and no bank is going to lend money$100k+ to buy a home to someone who can't manage the $5k Gross income they make a month).

5) You will be required to put some skin in the game (i.e. put money down). For FHA loans, the required amount is 3.5% of the purchase price, for Conventional loans it's 20% of the purchase price). So, if you want to buy conventional or FHA, I suggest you get to saving those assets.

4.8.13, iFinancial Fitness: So U Wanna Buy A Home ? Pt 1

Credit

Here's a few tips to consider if you are wanting to buy a house. I get several questions about what can I do if I have challenging credit and I want to buy a house. So, I put together these five tips that is a quick read that you can take into account as you work towards your goal of homeownership.

1) You need at least three credit tradeline on your credit report that has been have been established over the period of the last two years i.e. furniture your car note and a credit card that's a good mix of trade lines

2) Also those trayliners need to show a 24 month history of no late payments if there are late payments if you are required to submit a letter of explanation explaining why your payment was late if it was due to a hardship financial difficulties or things like.

3) Any derogatory credit will have to be explained in a letter of exclamation in addition to the fact that any collections, judgments, bankruptcies, and late payment I should be resolved by the time you apply for a mortgage.

4) Any student loan payments that are listed on your credit report are considered in your debt to income calculations for the mortgage so if you have 25 separate student loan payments I would highly encourage you to seek loan consolidation for your educational debt.

5) Ideally you need a minimum 620 credit score in order to be considered for a mortgage so use the following steps mentioned above to work on your credit if you have some challenges.

4.5.13, DRINK UP…10 REASONS WHY LEMON WATER IS GOOD FOR YOUR BODY AND SOUL~ClaireCharters

Posted on October 17, 2012 by Guest Contributor

This article was written by guest author Claire Charters, www.amodernzengirl.com

“When life gives you lemons… slice them, squeeze them, mix them in a cup of water and drink first thing in the morning for radiant health”

Oh how I love waking up to the simple luxury of a glass of lemon water, if it is a hot summer morning I will have a glass of water, the juice of half a lemon over some ice and garnished with a few slices of lemon. If it is in winter I warm up with a mug of hot water, which contains the juice from half a lemon.

Lemons are jam packed with natural vitamins and minerals that are key to your inner and outer beauty. For a radiant glow and optimum health greet your morning with a glass of lemon water. If you’re still not convinced then read my top ten reasons on how lemon water can benefit you today

It’s a natural energiser

A hot cup of water with a few slices of lemon will hydrate your body leaving you feeling revitalised and refreshed

Boosts you’re immune system

Lemons are high in Vitamin C and potassium.

It gives you a clear and glowing complexion

Lemon helps to remove toxins from the blood which clears your skin and gives you a natural glow. The vitamin C helps repair wrinkles and blemishes and the water hydrates, nourishes and plumps out your skin leaving you with a fresh youthful complexion.

It helps remove toxins

Drinking lemon water is cleansing for your body, the citric acid in lemons helps regulate the enzymes in your body, allowing your body to flush out toxins much more effectively.

Is a natural antiseptic

Great for fighting colds and relieving a sore throat. It also helps with respiratory problems and breathing problems such as asthma.

It is good for your Soul

Drinking lemon water nourishes your body, by taking the time to honour your health you are looking after your overall wellbeing.

Balances pH

Believe it or not….Lemons alkalise your body and an alkaline body is a healthy body

Helps with weight loss

The pectin fibre in lemons help ward off hunger cravings. Also it has been proven that if you have a higher alkaline diet you will lose weight easier

Helps digestion

Warm lemon water stimulates digestion, making it easier to remove toxins from the body.

Acts as a gentle, natural diuretic

Drinking lemon water helps flush out unwanted toxins by increasing the rate of urination in your body.

Online media personality, holistic lifestyle coach, author and entrepreneur Claire Charters founded the holistic lifestyle blog Serene Wellness. Claire works hard to create a wholesome path to wellness through her writing along with her unique tours and retreats. Her articles on health, wellness and spirituality can be found on various sites. She has a growing community of people following her on her blog, Facebook and twitter. She also run’s free courses which are designed to inspire people to start living their best holistic life. Read more about Claire..

Finance....School....School...School.........

So, here we go.  It has been a very loonnnnnnnnggg 8 weeks since I started my 1st Master's Program in Finance.  Half way through...light bulbs have started to go off signaling that I felt like I was going against the grain.  And, I am learning NPV, M1, 2, & 3....and Bond Pricing and I am sitting up here thinking to myself....how does this relate to my profession now?  And, more importantly  is investment finance really what I want to spend the rest of my life doing.

Because, in this class, it almost feels unnatural and like I am trying to hard to comprehend the theories. Now, I know I love finance.  And, lately, I have been thinking, perhaps I should tailor the course I take to my strengths and add maybe one to 2 investment courses on the back end.   am more interested in alternative assets, opposed to equities and derivatives. Alternative meaning Real Estate and because I already invested so much time energy and effort into those aspects of my career, it makes sense that I would cater my curriculum to helping me build those strengths.

The other day when I mentioned that I was interested in investment banking when I was speaking with a Senior Recruiter from JP Morgan & Chase; he asked me if  I had already sat for my Series 7 & 63?   I answered no.  then said I had my licenses are Real Estate & Mortgage Finance.  At that moment, I realized that I did not want to sit for those licenses, which also indicated and reiterated that I had no desire to learn a whole new language in regards to investment finance.....real estate investment finance, yes......just investments....I dont think so.  The beauty in it is that I am realizing this early on.....my friend Richard Battle-Baxter just posted a video about his MBA Journey at Cornell C/O 2014.

You can check it out here:  http://www.mba.com/why-b-school/typical-mba-candidates/richard-battle-baxter.aspx.

Its so funny, I have been feeling like this for the last 4 weeks.  And, I was not sure if I was ready to accept that what I thought I wanted when I began this journey had changed.  And, THAT IS OK! After watching his video, it just reiterates that life happens and things change.  And, what we thought we may have wanted at first may not necessarily be what we want now.  Its cool.

I have found that I am very good at improving processes and systems for companies.  I also have found that there is a market for Real Estate Consulting that has evolved over the last few years.  So, it is easy now for me to slowly build what I am looking for in my career and ultimately make a decision on what will fit my needs the best.  Now,  the focus is to just get through this program successfully

and cater my courses to my interest and not waste money, time, energy, and effort on stuff that is not a good fit for me.   Especially, since I pay for it out of pocket.

Thus, after this course is over.,  My curriculum will be centered heavily around real estate & management. And, I am at peace with that!  Amen!

♥Modified internal rate of return♥iMeMarch♥

From Wikipedia, the free encyclopedia

  (Redirected from Modified Internal Rate of Return)

The Modified Internal Rate of Return (MIRR) is a financial measure of an investment's attractiveness.^[1][2] It is used in capital budgeting to rank alternative investments of equal size. As the name implies, MIRR is a modification of the internal rate of return (IRR) and as such aims to resolve some problems with the IRR.

Contents   [hide]  1 Problems with the IRR 2 Calculation of the MIRR 2.1 Example 3 Comparing projects of different sizes 4 References

[edit]Problems with the IRR

While there are several problems with the IRR, MIRR resolves two of them.

Firstly, IRR assumes that interim positive cash flows are reinvested at the same rate of return as that of the project that generated them.^[3] This is usually an unrealistic scenario and a more likely situation is that the funds will be reinvested at a rate closer to the firm's cost of capital. The IRR therefore often gives an unduly optimistic picture of the projects under study. Generally for comparing projects more fairly, the weighted average cost of capital should be used for reinvesting the interim cash flows.

Secondly, more than one IRR can be found for projects with alternating positive and negative cash flows, which leads to confusion and ambiguity. MIRR finds only one value.

[edit]Calculation of the MIRR

MIRR is calculated as follows:

,

where n is the number of equal periods at the end of which the cash flows occur (not the number of cash flows), PV is present value (at the beginning of the first period), FV is future value (at the end of the last period).

The formula adds up the negative cash flows after discounting them to time zero using the external cost of capital, adds up the positive cash flows including the proceeds of reinvestment at the external reinvestment rate to the final period, and then works out what rate of return would cause the magnitude of the discounted negative cash flows at time zero to be equivalent to the future value of the positive cash flows at the final time period.

Spreadsheet applications, such as Microsoft Excel, have inbuilt functions to calculate the MIRR. In Microsoft Excel this function is "=MIRR".

[edit]Example

If an investment project is described by the sequence of cash flows:

Year	Cash flow
0	-1000
1	-4000
2	5000
3	2000

then the IRR  is given by

.

In this case, the answer is 25.48% (the other solutions to this equation are -593.16% and -132.32%, but they will not be considered meaningful IRRs).

To calculate the MIRR, we will assume a finance rate of 10% and a reinvestment rate of 12%. First, we calculate the present value of the negative cash flows (discounted at the finance rate):

.

Second, we calculate the future value of the positive cash flows (reinvested at the reinvestment rate):

.

Third, we find the MIRR:

.

The calculated MIRR (17.91%) is significantly different from the IRR (25.48%).

[edit]Comparing projects of different sizes

Like the internal rate of return, the modified internal rate of return cannot be validly used to rank-order projects of different sizes, because a larger project with a smaller modified internal rate of return may have a higher present value. However, there exist variants of the modified internal rate of return which can be used for such comparisons.^[4][5]

[edit]References

1. ^ Lin, S. A. Y., "The modified internal rate of return and investment criterion," The Engineering Economist 21(4), 1976, 237-247.
2. ^ Beaves, R. G., "Net present value and the rate of return: Implicit and explicit reinvestment assumptions," The Engineering Economist 33, 1988, 275-302.
3. ^ Internal Rate of Return: A Cautionary Tale
4. ^ Shull, D. M., "Efficient capital project selection through a yield-based capital budgeting technique," The Engineering Economist 38(1), 1992, 1-18.
5. ^ Hajdasinski, M., "Remarks in the context of 'The case for the generalized net present value formula'," The Engineering Economist 40(2), 1995, 201-210.