Be an Optimist – Change Your Point of View
“Two men look out through the same bars: One sees the mud, and one sees the stars.”- Frederick Langbridge, A Cluster of Quiet Thoughts
If you’ve placed second in a writing contest, will you jump for joy and push for better results the next time or will you be discouraged and find an excuse not to join again? In life, you are always filled with choices. You may opt to have a pessimist’s view and live a self-defeated life or you may decide to take the optimist’s route and take a challenging and fulfilling life.
So why nurture an optimist’s point of view? And why now?
Well, optimism has been linked to positive mood and good morale; to academic, athletic, military, occupational and political success; to popularity; to good health and even to long life and freedom from trauma.
On the other hand, the rates of depression and pessimism have never been higher. It affects middle-aged adults the same way it hits younger people. The mean age of onset has gone from 30 to 15. It is no longer a middle-aged housewife’s disorder but also a teen-ager’s disorder’ as well.
Here’s how optimists are in action and researches that back up why it really pays to be an optimist:
Optimists Expect The Best
The defining characteristic of pessimists is that they tend to believe bad events, which will last a long time and undermine everything they do, are their own fault. The truth is optimists are confronted with the same hard knocks of this world. What differs is the way they explain their misfortune—it’s the opposite way. They tend to believe defeat is just a temporary setback, that its causes are confined to this one case.
Optimists tend to focus on and plan for the ‘problem’ at hand. They use ‘positive reinterpretation.’ In other words, they most likely reinterpret a negative experience in a way that helps them learn and grow. Such people are unfazed by bad situation, they perceive it is a challenge and try harder.
They won’t say “things will never get better,” “If I failed once, it will happen again” and “If I experience misfortune in one part of my life, then it will happen in my whole life.”
Positive expectancies of optimists also predict better reactions during transitions to new environments, sudden tragedies and unlikely turn of events. If they fall, they will stand up. They see opportunities instead of obstacles.
People Respond Positively To Optimists
Optimists are proactive and less dependent on others for their happiness. They find no need to control or manipulate people. They usually draw people towards them. Their optimistic view of the world can be contagious and influence those they are with.
Optimism seems a socially desirable trait in all communities. Those who share optimism are generally accepted while those who spread gloom, panic and hysteria are treated unfavorably. In life, these people often win elections; get voted most congenial and sought for advice.
When The Going Gets Tough, Optimists Get Tougher
Optimists typically maintain higher levels of subjective well-being during times of stress than do people who are less optimistic. In contrast, pessimists are likely to react to stressful events by denying that they exist or by avoiding dealing with problems. Pessimists are more likely to quit trying when difficulties arise.
They persevere. They just don’t give up easily, they are also known for their patience. Inching their way a step closer to that goal or elusive dream.
Optimists Are Healthier And Live Longer
Medical research has justified that simple pleasures and a positive outlook can cause a measurable increase in the body’s ability to fight disease. Optimists’ health is unusually good. They age well, much freer than most people from the usual physical ills of middle age. And they get to outlive those prone to negative thoughts.
So why not be an optimist today? And think positively towards a more fulfilled life.
Why not look forward to success in all your endeavors? Why not be resilient? Like everybody else you are bound to hit lows sometimes but don’t just stay there. Carry yourself out of the mud and improve your chances of getting back on the right track. And why not inspire others to remove their dark-colored glasses and see life in the bright side?
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Copyright 2014 NATIONAL ASSOCIATION OF REALTORS®
February 2014 Atlanta Housing Trends Newsletter
Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.
The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau and Realtor.org reports, videos, key market indicators and real estate sales statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.
Please click here to view the FEB-2014 Newsletter Housing Trends eNewsletter.
If you are interested in determining the value of your home, give us a call at 404-895-3036.
If you are considering applying for a refinance, it is important to understand the mechanics of your mortgage loan. Before you sit down to speak with your loan officer, you should consider preparing a list of questions you feel may need to be answered.
Typically, your loan officer will be available to assist through the entire mortgage process. Here are some questions that you may need to ask your self and get answers before applying for a mortgage:
1. What Type Of Loan Is Best For Me?
Your loan officer can discuss the various loan programs available to help you refinance. Some borrowers will benefit greatly from adjustable rate mortgages while others prefer fixed rate. However, other borrowers may find a fixed rate is the best option. Discuss various loan terms such as 30-year or 20-year mortgage loans.
2. What Documents Are Required?
Be prepared to provide your loan officer with several documents. The most common documents include pay stubs, bank statements and tax returns. Loan officers will also need a complete list of debts including auto payments, credit card payments and student loans.
3. What Costs Are Involved?
Prior to a loan closing you will be required to pay some costs up front. These may include appraisal fees, credit report fees and application fees. Discuss all these costs with the loan officer to determine how much money will be required prior to the loan being approved. In addition, discuss any funds that will be required to complete the loan closing.
4. Can I Select My Own Appraiser?
When you apply for a refinance loan in Scottsdale, lenders will require a property appraisal. Lenders typically maintain a list of approved appraisers and supply those lists to the loan officers. Typically, the loan officer will assign an appraiser to review the property. Borrowers generally have no input regarding the choice of appraisers.
5. When Will I Get A Good Faith Estimate?
Good Faith Estimates (GFE) must be issued after you have completed your loan application. A second GFE is typically presented along with the HUD1 prior to closing. Keep in mind, the GFE is only an estimate of costs and that actual costs may be slightly higher or lower.
6. How Long Until We Can Close Our Loan?
Loan closing times are based on a number of factors. Closing dates may be delayed if there are missing documents or other underwriting delays. Speak with the loan officer to get an estimate on the time from application to closing.
7. What Possible Delays May I Face In Closing?
There are a number of delays that often cannot be avoided. However, some can be avoided by making sure you provide your loan officer with all the documents they request in a timely manner. In some cases, there may be a delay in getting the appraisal completed or for title searches. Your loan officer can discuss other reasons why a delay may occur.
8. Do I Need An Attorney For Closing?
When you are ready to close your loan, you are welcome to have an attorney representing you. Generally, there will be an attorney present at the closing however, they are there to represent the lender. If you feel more comfortable having an attorney present, discuss this with your loan officer to ensure the attorney receives the date, time and location of closing.
9. Should I Lock In My Interest Rate?
Before locking in a rate, make sure it is important to understand there may be fees associated with an interest rate lock. Bear in mind, should rates decline during the period between application and closing you will not be able to take advantage of those lower rates.
10. When Will I Get A HUD1 Statement?
As a borrower, you are entitled to review their HUD1 statement prior to closing. Your loan officer should make arrangements with you to provide the statement one or two days prior to closing for your review. This will give you an opportunity to review loan terms, interest rate and costs of the loan.
Never hesitate to ask your loan officer any questions you may have. The more questions you have addressed during the application process, the less likely you will be to be confused at the time of your mortgage closing. Keep in mind, your loan officer is there to answer your questions and guide you through the entire loan process.
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I can help you sell your real estate in a slow market. Call the McAlister Realty Group today at 404-895-3036.
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