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Home buying tip for those who make overtime or bonus income. You can actually use that income to help qualify for a loan. You would need 2 years of that income and it would be averaged over a 2 year period. But sometimes a shorter time period could be used.

Rates for a 30yr fixed mortgage are going to hit 10% very soon. The last time it was over 10%, was 1990, peaking at over 16% just a few years before that. We’ve had it good for the last decade, but that was abnormal. Don’t focus on the rates. Focus on your monthly payment.

And just like that, another three months have passed. And you haven't made as much progress as you'd like for your new year goals.

Here's a reminder, don't beat yourself up. You're not broken.

Once you can accept that, you can clear your mind to start anew.

You can pause the search. You don't have to keep seeking for the next connection. Go on airplane mode.

Meditation is like putting a mic and spotlight in front of your thoughts. With years of practice, you'll find that the positive ones shine brighter and the negative ones shy away behind the stage where you'll no longer see or hear them as much.

All you have to do is ask.

And then be open for any direction it may go.

What if the people and circumstances around you didn't have as much of a hold on you as you think? What would that free you up to do? What does that open up for you to see?

In your next conversation, challenge someone else, or yourself, to answer, 'What is something about you that you don't want anyone to know?'

Whenever you find yourself saying, 'I think,' try replacing it with 'I feel' and see what shifts in your body and in your mind. To clarify, it's not 'I feel like.' Just, 'I feel...'