Kirk and Terry Blog

Studies have shown that your income and wealth are directly related to the size and depth of your vocabulary.   Here is this month’s word, so you can impress your friends (and maybe even fatten your wallet!)…

adamantine  \ad-uh-MAN-teen\ (adj.)

Meaning:  unyielding or firm
 
Example Sentence:  Charles became an adamantine critic when he discussed politics and economics.

More Free Real Estate Tips! 

Find TONS of free information about our local Richmond real estate market. Visit my site at:

www.MarcsHomes.Com

Did you know that 85% of your ability to succeed at anything depends on your skills at positively influencing people?  Brian Tracy, author of The Power of Charm offers a few tips on how you can become more charming:

The key is to make others feel good about themselves.

• Greet everyone you meet as someone very special. Make people feel special by asking questions about them, and being enthusiastic.
• Find something to praise people about.  Everyone likes to be praised be it the grocery clerk, your accountant, or your boss.
• Show your appreciation. Tracy says, thank everyone you come into contact with for whatever you can think of…it boosts people’s confidence, and makes them feel good about themselves. It also makes you feel better about yourself.

More Free Real Estate Tips! 

Find TONS of free information about our local Richmond real estate market. Visit my site at:

www.MarcsHomes.Com

Alright, alright. Its a new year and we know a lot of you have made new Year's Resolutions to shed some pounds. But if you’re like most people, losing weight is tough.  So what do “skinny” people do that others don’t?  Of course there’s the obvious…they don’t eat as much.  But is there more to successfully managing a healthy weight?  Here are a few tips we've found helpful…

1) Take action. When slim people start to gain a few pounds, they do something about it. They don’t let a few pounds creep up to 10-20 pounds. They begin by exercising more and eating smaller portions.
2) Don’t skip meals, and eat a healthy breakfast.  Eating small amounts of healthy food regularly manages blood sugar levels better, and stops cravings and binging. 
3) Weigh yourself daily. Painful as it can be, nothing stops overeating like reality staring you in the face.
4) Get more sleep.  Researchers have found lack of sleep leads to an increase in cravings for more carbohydrates. Instead of reaching for food at night, close off the kitchen and turn in an hour earlier.  You’ll be more rested, enjoying more energy, and you’ll be looking a little slimmer too!

If loosing some weight is one of your resolutions for 2010, make a simple plan utilizing these tips and stick to it. You'll soon be seeing a healthier and happier you!

More Free Real Estate Tips! 

Find TONS of free information about our local Richmond real estate market. Visit my site at:

www.MarcsHomes.Com

Q. What are the new trends in home building? 

A. Every new home buyer has their own personal preferences, but according to a recent survey conducted by the National Association of Home Builders, there are some new trends in the new home building market.

Buyers surveyed wanted spacious garages with lots of storage, and many buyers wanted space for a workshop.  New home buyers want high-tech wiring for sound systems, computer networks, and entertainment.  One of biggest shifts is buyers are looking for fewer open floor plans, and preferred partial walls that separate areas.  Activity rooms were also important to new buyers.  This included space for a home office, game rooms, exercise areas, home entertainment areas, or a family room/den. 

Storage areas (kitchen pantry, walk-up attic, large closets, and special cabinets) were particularly important to new buyers.  New home buyers also wanted homes with lots of natural light.  Fewer buyers were interested in two story homes and preferred the master suite on the main floor with a walk-in shower stall. 

If you are buying or selling a home and need competent and caring representation, please call me, Marc Austin Highfill, at (804) 527-EXIT.

The human mind is an amazing thing, and the words we use in our day to day lives can be powerful tools for how we affect it. By changing the words you use, you can change your perception of yourself, those around you, and even how you look at situations, say psychologists. You be the judge. Does your mother (or someone else) call too often to check on you? Do you call it nagging? Here are just a few examples of how you can shift your perceptions:

• Nagging or Connecting?  So your mother calls too much.  Instead of calling it nagging, call it connecting…she wants to connect with you.  You call her first, make her feel good, and control the conversation.
• Pushy or Direct? You think a co-worker is pushy. Change the word to direct and you can react to the person in a straightforward manner.
• Impulsive or Spontaneous?  Are you irritated by your mate’s impulsive behavior?  Choose to admire his or her spontaneity.
• Moping or Coping? Moping is a way of coping when someone needs help rebuilding confidence after a difficult time. Give a helping hand.

Do you find yourself getting that urge to drop-into Open Houses, even when you’re busy?  You’re not alone.  Many homeowners visit open houses to get design ideas, or to see how their home compares in the neighborhood.

But if you find yourself attracted to Open Houses frequently, you might want to ask yourself “why.”   You might just find that, even though you’re happy with your current home, you might be subconsciously searching for your dream home.  Perhaps you want a bigger yard.  A quieter street.  A gourmet kitchen.

Whatever the reason, there are sophisticated tools that can help. A computerized “Home Search” system can scour the market finding the exact home you want – automatically. It can get you daily updates on the newest homes on the market, and since it is a computerized system there’s never any pressure from working with a person, just great service.  Even if you’re just “thinking” and want to know what’s “out there,” consider giving it a try. Feel free to go to my website and sign up at http://www.marcshomes.com or call (804) 527-3948.

Would you like to live a happier, more fulfilled life?  I don't know a single person who would answer "No." I recently came across an article that had some simple ideas about how we can all achieve greater happiness in our lives... just by following a ver simple formula.

 
In a recent study by Professor Ed Diener, psychologist at the University of Illinois, people rated how happy they were based on a number of questions.  Diener compared the answers across the spectrum of age, sex, marital status, income, and health.  Strong evidence showed that happiness leads to better health and a longer life – no surprise there.

But what did come as a surprise is that levels of happiness changed based on age and social involvement. Here are a few of the specific factors researchers found that made people feel happier:

• Family and Friends. The better and more fulfilling the relationships with family and friends, the happier people felt.  Having friendships was shown to have a protective element against illness.  Researchers found that friendship actually had a bigger effect on the average person’s happiness than a person’s income.
• Marriage.  Being married also seemed important.  Marriage added an average seven years to a man’s life, and four years for women.
• Meaning in Life.  People who felt there was a larger purpose to their life - religion, philosophy, or spirituality were happier.
• Goals.  Happier people had pleasing long-term goals they worked toward and enjoyed achieving.

In several supporting studies, Dr. Martin Seligman, professor at the University of Pennsylvania, found that practicing simple exercises can increase a person’s level of happiness and decrease depression.  Dr. Seligman has designed “Happiness Building Exercises” to increase people’s happiness and well-being. You can find out more information about these exercises at www.reflectivehappiness.com

The news came Tuesday afternoon that Bank of America will repay the $45 billion it received as part of the U.S. government's Troubled Asset Relief Program. BOA's move might be a good sign for the recovering housing market and the overall economy.

First, it signals that the nation's largest mortgage lender has gotten itself back into decent shape. Whether that means more lending to home buyers remains to be seen, but it stands to reason that a healthier bank is in a better position to lend money.

Think of it this way: Would you rather have the nation's largest mortgage lender able to repay $45 billion or have it buckling under the weight of its acquisition of Merrill Lynch, which was in such bad shape that BOA hinted at backing out of the merger.

Although it's true that the move HAS to have something to do with its search for a CEO to replace out-going chief Ken Lewis -- the repayment will get BOA out from under the government's restrictions on CEO compensation -- the move is also good news for a couple of other obvious reasons.

First, the bank plans to raise capital to help pay for the repayment. This means selling stocks, which means it's counting on investors to be confident enough to pony up. And investors, as the bank probably hoped, are showing confidence already. Shares of BOA stock went up 2.2 percent after the announcement. Shares are around $16 after having hit a low of little more than $3 in March.

The second part of good news is that it would appear the government's moves to shore up the financial industry last year were the right ones. By helping to prop up BOA, which acquired Merrill and Countrywide Financial, the government helped the financial sector avert further meltdown. Yes, the $700 billion TARP was painful spending of taxpayers' dollars, but in hindsight, it appears to have been vital to the economy's overall health.

"We appreciate the critical role that the U.S. government played last fall in helping to stabilize financial markets," Lewis remarked in a BOA news release.

Now, some critics will argue that this repayment will be bad for consumers -- that the repayment will lift some restrictions on the company imposed by the government on banks that received TARP money. True, it will again let BOA decide on its own executive pay and bonuses -- topics that got big banks in hot water -- but the repayment will leave in place an element that is probably more important.

BOA, even in repayment, will have to maintain higher capital levels required by the government of all institutions receiving TARP money. Not having enough capital on hand -- banks were much less restricted earlier this decade -- is what got financial institutions in trouble when the credit crunch hit. And not-good-enough capital levels are blows to a bank's ability to lend money.

That the country's biggest mortgage bank is strong enough to repay its TARP money, is able to raise the money to do it and that it will be able to maintain healthy capital levels are good signs for the tight credit market.

Most of the team members here on the Marc Austin Highfill Team are parents. We all love our families, but its not always easy to know if we're doing a good job. Helping kids grow up successfully is every parent’s goal, especially with such a bright and amazing future ahead of them.  Here are 7 valuable tips we found to help parents prepare their children to reach their fullest potential and enjoy that future:

• Let your child work things out without your help. At an early age, let your child find solutions to challenges he or she may face.
• Support your child’s interests and passions.  Praise your child for who he/she is becoming…not what you want them to be.
• Teach your child how to manage money. Teach them about saving (start with piggy banks and savings accounts), allowances, and earning money from doing household jobs.
• Let your child learn how to deal with disappointment.  Playing sports and board games teach kids how to handle disappointment.
• Teach your child how to negotiate conflicts. Teach your kids how to negotiate using words and how to resolve conflicts.
• Encourage your child’s dreams.  Be supportive of your child’s dreams, but help them set achievable goals along the way.
• Support their independence.  Increase your child’s responsibility a little bit each year. It’ll build a strong foundation for their lifetime.

The next time you hear a politician use the word “billion” in a casual manner, think about whether you want the “politicians” spending your tax money. A billion is a difficult number to comprehend, but one advertising agency did a good job of putting that figure into some perspective in one of its releases.

Yikes! Certainly makes you think!