Thursday, December 31, 2015

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Just found this post and had to share it. I can sure tell the difference if I forget to take my Plexus. Love it for sure. Jen says~ I was just going through old Christmas photos and came across this picture of me from 2 yrs ago. I was unhappy with myself back then, but I smiled through it. Thank goodness I have been able to lose the weight, and maintain a healthy weight with Plexus. I eat like a normal person. And to keep it real, I'm going to let you know that tonight, I ate pasta for dinner, then topped it off with a Dairy Queen Blizzard. Maintain.... that's the trick to dieting, right? I've tried So Many diets over the years, and I have lost weight with each of them. Slim Fast, Atkins Diet, HCG Drops, to name a few. Counting carbs, Counting calories, Weighing Food. These methods didn't last. I got tired of not eating like a normal person, so I would go off the diet after about 3 months. I lost weight with all of them, then put the weight back on. Year after year, I was on a weight loss-gain rollercoaster. Then I found Plexus. Plexus is not a diet. It helps me by getting my gut healthy, balancing my blood sugars, and getting my body back in balance (this is the secret for success). I have not skipped a day of taking these products for almost 2 yrs, and I am still maintaining my weight with Slim, Probio5, and Biocleanse

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Just like my Paternal Grandmother - Dorothy O'Hearn

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Monday, December 28, 2015

What fun.

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http://snip.ly/unLR Now this is my idea of a contemporary farmhouse kitchen.

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http://snip.ly/zAUt Some nice and easy Yoga to relax your mind and body.

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DO YOU THINK YOU'RE TOO GOOD?! It’s a common misconception that Plexus is JUST a little side gig. Many people feel they are too busy, not good at sales, or that they’re above network marketing. The truth is that this business CAN fit into anyone’s life & many of our most successful ambassadors are also the busiest. # This just goes to show that it doesn’t matter what your background is or how busy you are... If you want to be successful in this business, YOU CAN DO IT! AND Plexus is running an AWESOME l! You can start your own Plexus business for only $22.95 now through Friday, December 31st!... Health Care Professionals (TONS of NURSES), Nutritionists, Teachers, SAHMs Galore, Therapists, Mechanics, Accountants, Insurance Agents, Pastors (and LOTS of pastor's wives), College Students, Retirees, Farmers, Paralegals, Store Managers, Home Schooling Moms, Restaurant Managers, Coaches, Flight Attendants, Saloon Employees, IT Analysts, Realtors, Designers, Military, Athletes, Musicians, Small Business Owners...I could go on and on and on! I don't care if you are healthy or not, skinny or overweight, young or old, college educated or a high school dropout. It doesn't matter where you live or how much money you make. Maybe you're well networked or maybe your not. Are you shy? Outgoing? NONE OF THIS MATTERS. Network Marketing levels the playing field. Anyone, and I mean anyone can be successful.

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Thursday, December 17, 2015

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WOW!! This is AMAZING!! Just another great example of how amazing Plexus is!! Check it out.... This one's for the guys! We all know Xfactor grows hair like crazy, look at what our MegaX is doing!!! Wes has been using the Triplex of Slim, our healthy "pink drink", our powerful probiotic, Probio5, and the magnesium supplement, Biocleanse for well over a year. In October his darling wife added the MegaX, our turbo-charged omega supplement. Dude is his hair awesome or what?!?!! It's like Rogaine without the negative side effects, such as: severe scalp irritation; unwanted growth of facial hair; chest pain, fast heartbeats; swelling in your hands or feet, rapid weight gain; a light-headed feeling, like you might pass out; headache, dizziness, confusion; or. flushing (warmth, redness, or tingly feeling) I have seen wonderful things with my hair too😊

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This was my beloved mare "Skip to Tiffany's". Tiff to her friends. She was barely 12 when I lost her. Double bred Skipper W mare. She was a dream come true.

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On the 9th day of Christmas my Plexus gave to friends…some thermogenic, fat-burning energy! 🎄 No More Constipation and sleeping through the night now. Happy me. Looking to turn up the heat on your weight loss? Plexus Boost is an alternative companion of Accelerator+ to Plexus Slim, formulated to energize! The thermogenic blend of ingredients in Boost contains Caralluma Fimbriata, an edible cactus that has been traditionally used by tribal East Indians for years to suppress hunger and enhance endurance through increased energy. It has now been clinically proven to suppress appetite, reduce body weight and increase energy intake. Plexus Boost also contains Yerba Mate which has been shown to be a stimulant, and it may assist with weight management. The Higenamine used in Plexus Boost, sourced from Tangerine Peel and Lotus Seed, has been shown to increase energy. Plexus Boost is sure to live up to its name, helping deliver weight loss results! #PlexusforChristmas

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My boys together equals one happy paint. Neighbor's 3 horses are just over the fence so now he has a herd as he was used to. He is so relaxed and happy now. I feel a mite stupid for not consider how he would feel so far away from all the other horses.

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Wednesday, December 16, 2015

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I have such a great family. My niece and her husband Cheyenna and Daniel came over after a hard days work and helped me move a 40 x 48 horse pen. When I first set it up for my new boy I set it up in the near corner of a big huge area I have for my horses I let Chic have the rest of the space. The neighbor behind me has three horses and Chic spends all his time end of the Arena so that he can be next to them. My new boy was fretting himself into an ulcer and scaring me to death. No sleep for two nights. I called Cheyenna to tell her what was going on and boom she and Dan were here, moving the pin down to the far end where Trace could be close to Chic and the other horses. He is now much more relaxed, no more pacing and no more sad looks. We are putting him on the ulcer regime for 10 days just to be safe. He is out there standing side-by-side with his buddy talking to the horses across the fence. I should've thought of this to begin with. Thank you Dan for your muscles and your hard work and Cheyenna for your great idea and emotional support!!!!!

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Saturday, December 12, 2015

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OH, big giggle. Not true about number 5.

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Friday, December 11, 2015

Love this sog and these guys are unreal.

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Thursday, December 10, 2015

Been on Plexus for 6 weeks and have lost 4 pounds, sleep through the night now and no longer constipated. Love it. My grandson, Nathan, has some kind of weird allergy going on with him that the doctors haven't figured out yet so I gave him a bottle of ProBotics. He says it is helping a lot. DONT GIVE UP! Michelle Stout-Zakharov shares: Most of the times people don't give their body enough time on Plexus and give up right before the good stuff happens. Depending on the amount of good vs bad bacteria in your gut, it could take up to 3 to 6 months for your body to find balance and healing. I, for one, was, at times, frustrated with how long my weight loss was taking. It's taken me 11 months to lose 45 pounds. If I had given up after 2 or 3 months (when I'd only lost 10 pounds), I would've never reached the level of success that I have. Plexus is not a get quick skinny kind of deal. It is a tool to help your body find balance. And that differs from person to person. I'm so glad I stuck it out. I still have a few pounds to go, but the healing that has taken place on the inside is the true miracle! It's all about being consistent with your products. These supplements won't work if you don't give them a chance to work. You can buy them and then have them sit on your counter... but, what good is that doing YOU? Make a decision to change your health. It is the best decision I've made for myself. Ever. " ~

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Worked my new horse some more on ground training today. When I asked him for his head he brought it all the way to the cinch line without being pulled on. He is so smart. He also discovered that the saddle blanket could make a great toy. Slowly but surely working up to putting a saddle on him the easy way. The natural horsemanship way is so easy on both of us and fun. He got a good grooming as his reward cause he is such a good boy.

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Monday, December 7, 2015

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WOOOOOOOOW!!! Check out my fellow Plexus Ambassador Wendy Bersche and her hubby!! These pictures are THE SAME PERSON!!! She says, "Healthy is healthy. You don't have to "see" if it works for you, healthy works for everyone! The picture on the left was taken over 10 years ago, I was in my 30's. The picture on the right was taken today. I turn 48 in 3 months. I love living a Plexus life, because ultimately, how you feel effects the way you look!"

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Saturday, December 5, 2015

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My grandson (Kyle and Nathan) 12 years ago riding Doc Bar's Bits and Pieces (Bitsy) my new gelding's (Trace) grand dame. She was a baby sitter and so so sweet. We miss her very much.

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Thursday, December 3, 2015

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Wednesday, December 2, 2015

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Another mass shooting in San Bernardino and now Gov. Brown and his minions are calling for more gun control. GOOD. Lets start with open armed carry - no permit needed just clearance to own a gun. If someone had had a gun in there the innocent body count would be a lot lower and the bad boys would be pushing up daisies. No brainer as far as I am concerned. By the time the authorities get there it is over, we have to be able and ready to defend ourselves or be a statistic.

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just read that Gov Brown just signed in a law that lets Illegals vote in California elections. Is that true???? Good Grief what is happen to our once glorious country and how do we get it back.

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Tuesday, December 1, 2015

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December is frequently a month chock full of social obligations, both formal and informal. Add to this preparations for travel, parties, and your regular work duties, and all of the "relaxation" supposedly packed in the month can be as elusive as the holiday spirit. Oh, and don't forget the shopping... Where is it written we have to do it all? In case you need reminding, you absolutely have permission not to participate in every invitation. Like many sales professionals, real estate agents feel any missed opportunity to shake hands and make connections is a potentially lost sale or referral. Not only is this somewhat cynical, viewing the bonhomie of holiday events as premium networking opportunities, but it discounts the value of your time. You are not obligated to participate 24/7. Every time you decide to do something, you decide not to do something else. Social pressure can be a potent anesthetic, as it spares us temporarily the pain of unfinished, but important work, and our own much-needed time to recharge and gain perspective. Do not spend your days and nights as if you have an infinite number in the bank of time. Be deliberate with your yes and your no. You can find balance in the frenzy if you make an effort to create more space for yourself. Sharon Sharon K. Shepherd BRE # 01016493 http://ift.tt/1MESG5H

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Tuesday, November 17, 2015

What can I say about Plexus!! It is a game changer, I sleep great, feel great, my hair and nails are amazing, I have lost weight and several inches but the best part is no more constipation!!! If your tired of feeling bad, do yourself a favor and try it, free shipping in November

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Don't be a couch potato! Stay active throughout the day. Years ago, women burned far more calories than we do today. Now, we have to proactively plan our exercise time in. Make sure you keep moving throughout the day. Sit less. Move more. T. V. Off throughout the day,if possible. It's a huge distraction and time stealer.#stayactiv

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For those of you who missed my other post. This is Tres (Trace). "3" See the spots? I was given the horse and a 48 x 40 pen and shelter by my niece. Can't beat that kind of a gift any day.

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That is my Grandson Kyle, He was the lead in the production "13"

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OK my new horse has given me my heart attack for the day. I went out to clean his corral and and looked up to see him slowly backing up at me looking over his shoulder. My heart stopped until I remembered that my sister and my niece scratch their horses tails and fannies and their horses are forever backing up to get a butt scratch. Trace was asking for the same. I stood to the side and scratched him not directly behind like my sister would trust in him as she does and knowing him much better than me. I know my niece does the same thing with him. I offered him a belly and a chest scratch and that seemed to satisfy him just as well but trying to pick up poop while being bothered by petme love sure makes work interesting. I had just put all his hay in for the night and he still was more interested in being petted he such a love and a sweetie. So looking forward to having him trained so I can go riding.

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Thursday, November 12, 2015

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http://snip.ly/UXFJ

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Owning a home can pay off at tax time. Take advantage of these homeownership-related tax deductions and strategies to lower your tax bill: Mortgage Interest Deduction One of the neatest deductions itemizing homeowners can take advantage of is the mortgage interest deduction, which you claim on Schedule A. To get the mortgage interest deduction, your mortgage must be secured by your home — and your home can be a house, trailer, or boat, as long as you can sleep in it, cook in it, and it has a toilet. Interest you pay on a mortgage of up to $1 million — or $500,000 if you’re married filing separately — is deductible when you use the loan to buy, build, or improve your home. If you take on another mortgage (including a second mortgage, home equity loan, or home equity line of credit) to improve your home or to buy or build a second home, that counts towards the $1 million limit. If you use loans secured by your home for other things — like sending your kid to college — you can still deduct the interest on loans up $100,000 ($50,000 for married filing separately) because your home secures the loan. Prepaid Interest Deduction Prepaid interest (or points) you paid when you took out your mortgage is generally 100% deductible in the year you paid it along with other mortgage interest. If you refinance your mortgage and use that money for home improvements, any points you pay are also deductible in the same year. But if you refinance to get a better rate or shorten the length of your mortgage, or to use the money for something other than home improvements, such as college tuition, you’ll need to deduct the points over the life of your mortgage. Say you refi into a 10-year mortgage and pay $3,000 in points. You can deduct $300 per year for 10 years. So what happens if you refi again down the road? Example: Three years after your first refi, you refinance again. Using the $3,000 in points scenario above, you’ll have deducted $900 ($300 x 3 years) so far. That leaves $2,400, which you can deduct in full the year you complete your second refi. If you paid points for the new loan, the process starts again; you can deduct the points over the life of the loan. Home mortgage interest and points are reported on Schedule A of IRS Form 1040. Your lender will send you a Form 1098 that lists the points you paid. If not, you should be able to find the amount listed on the HUD-1 settlement sheet you got when you closed the purchase of your home or your refinance closing. Property Tax Deduction You can deduct on Schedule A the real estate property taxes you pay. If you have a mortgage with an escrow account, the amount of real estate property taxes you paid shows up on your annual escrow statement. If you bought a house this year, check your HUD-1 settlement statement to see if you paid any property taxes when you closed the purchase of your house. Those taxes are deductible on Schedule A, too. PMI and FHA Mortgage Insurance Premiums The 2014 tax season was the last for which you could claim the PMI deduction unless Congress renews it for 2015, which may happen. In the last few years, Congress has reauthorized it retroactively. You can deduct the cost of private mortgage insurance (PMI) as mortgage interest on Schedule A if you itemize your return. The change only applies to loans taken out in 2007 or later. What’s PMI? If you have a mortgage but didn’t put down a fairly good-sized down payment (usually 20%), the lender requires the mortgage be insured. The premium on that insurance can be deducted, so long as your income is less than $100,000 (or $50,000 for married filing separately). If your adjusted gross income is more than $100,000, your deduction is reduced by 10% for each $1,000 ($500 in the case of a married individual filing a separate return) that your adjusted gross income exceeds $100,000 ($50,000 in the case of a married individual filing a separate return). So, if you make $110,000 or more, you can’t claim the deduction (10% x 10 = 100%). Besides private mortgage insurance, there’s government insurance from FHA, VA, and the Rural Housing Service. Some of those premiums are paid at closing, and deducting them is complicated. A tax adviser or tax software program can help you calculate this deduction. Also, the rules vary between the agencies. Vacation Home Tax Deductions The rules on tax deductions for vacation homes are complicated. Do yourself a favor and keep good records about how and when you use your vacation home. If you’re the only one using your vacation home (you don’t rent it out for more than 14 days a year), you deduct mortgage interest and real estate taxes on Schedule A. Rent your vacation home out for more than 14 days and use it yourself fewer than 15 days (or 10% of total rental days, whichever is greater), and it’s treated like a rental property. Your expenses are deducted on Schedule E. Rent your home for part of the year and use it yourself for more than the greater of 14 days or 10% of the days you rent it and you have to keep track of income, expenses, and allocate them based on how often you used and how often you rented the house. Homebuyer Tax Credit This isn’t a deduction, but it’s important to keep track of if you claimed it in 2008. There were federal first-time homebuyer tax credits in 2008, 2009, and 2010. If you claimed the homebuyer tax credit for a purchase made after April 8, 2008, and before Jan. 1, 2009, you must repay 1/15th of the credit over 15 years, with no interest. The IRS has a tool you can use to help figure out what you owe each year until it’s paid off. Or if the home stops being your main home, you may need to add the remaining unpaid credit amount to your income tax on your next tax return. Generally, you don’t have to pay back the credit if you bought your home in 2009, 2010, or early 2011. The exception: You have to repay the full credit amount if you sold your house or stopped using it as primary residence within 36 months of the purchase date. Then you must repay it with your tax return for the year the home stopped being your principal residence. The repayment rules are less rigorous for uniformed service members, Foreign Service workers, and intelligence community workers who got sent on extended duty at least 50 miles from their principal residence. Energy-Efficiency Upgrades The 2014 tax season was the last for which you could claim the residential energy tax credit for making your home more energy efficient — unless Congress renews it for 2015. Tax credits are especially valuable because they let you offset what you owe the IRS dollar for dollar for up to 10% of the amount you spent on certain home energy-efficiency upgrades. The credit carries a lifetime cap of $500 (less for some products), so if you’ve used it in years past, you’ll have to subtract prior tax credits from that $500 limit. Lucky for you, there’s no cap on how much you’ll save on utility bills thanks to your energy-efficiency upgrades. Among the upgrades that might qualify for the credit: Biomass stoves Heating, ventilation, and air conditioning Insulation Roofs (metal and asphalt) Water heaters (non-solar) Windows, doors, and skylights If it’s renewed, file IRS Form 5695 with your return. Related: A Homeowner’s Guide to Taxes This article provides general information about tax laws and consequences, but shouldn’t be relied upon as tax or legal advice applicable to particular transactions or circumstances. Consult a tax professional for such advice; tax laws may vary by jurisdiction.

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Tuesday, November 10, 2015

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Glad I'm not worried about turning 50, thank you Plexus😊😊

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Anyone know where we can buy the green lights to put on the outside light for the greenlight for a Vet during Veterans Day? Walmart doesn't have any nobody has heard about it and they're advertising it up all over TV how interesting is that?

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Speed Up Your Computer with The Great Suspender Here's a tip for all of you out there who use Google Chrome's browser. Did you know that every open tab in Google Chrome can chew up your computer's memory, causing the machine to slow down or even freeze? Chrome is a great browser, but often tabs left open will consume resources, even when you're not looking at them. The Great Suspender is a free plug-in for Google Chrome which automatically suspends any tab you haven't looked at after a pre-determined amount of time. Tabs can be "put to sleep" in as quick as 20 seconds. When you want to "wake up" the tab again, you simply click on the tab's "sleeping screen" to reload it. You can even "whitelist" certain types of tabs so they never fall asleep (like your Gmail tab, for instance). You can add The Great Suspender to Chrome for free here: http://ift.tt/11U2G60

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Monday, November 9, 2015

Well, in as much as I am not a joiner and I am suspicious as all get out of new stuff, Renee convinced me to try this stuff. Well it works. I have been battling constipation and tiredness since I had to start taking blood pressure pills. Woohoo. Now all systems are go and feel so much better and my knees stopped hurting all the time. So, yes I joined and am now an Ambassador too. I am getting off of the plateau I have been stuck on and looking fast on the size 14 coming up. "HappyDance"

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We're getting started today! Join us to get HEALTHY THROUGH THE HOLIDAYS! No purchases required. Just be ready to be encouraged to make healthier decisions than we normally do this time of year! Why NOT start now!?!?!? The 8 week challenge starts today. There is a nutrition plan already posted, as well as a video introducing the pros that will be giving tips and recommendations throughout the challenge. The focus is on making healthy decisions, not necessarily losing weight. While most people write off this season when it comes to getting healthy, we will encourage eat other to be better than that and not wait. Plexus products will be discussed at times, but are not required for this challenge. Want to join us in our challenge? Simply to to the Health Through The Holidays FB page and join us.

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We're getting started today! Join us to get HEALTHY THROUGH THE HOLIDAYS! No purchases required. Just be ready to be encouraged to make healthier decisions than we normally do this time of year! Why NOT start now!?!?!? The 8 week challenge starts today. There is a nutrition plan already posted, as well as a video introducing the pros that will be giving tips and recommendations throughout the challenge. The focus is on making healthy decisions, not necessarily losing weight. While most people write off this season when it comes to getting healthy, we will encourage eat other to be better than that and not wait. Plexus products will be discussed at times, but are not required for this challenge. Want to join us in our challenge? Simply go to the Healty Through The Holidays facebook page.

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Wednesday, November 4, 2015

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Becky Hensley Reaves shares an update on her daughter Ashley: "The picture speaks for itself! A little over a month ago Ashley had lost all of her hair and now a month later she has a head full of thick growing hair!! WHOSE HAIR GROWS THIS FAST?!? God is answering prayers. As my friend Beth said, "When God says grow, you grow!" Lots of people have asked, "what is she on??" When this journey with Alopecia began I couldn't read enough and one of the things that was consistent with autoimmune was that 70% of your immune system is in your gut. So that being said, if you can regulate your gut maybe you can control flare ups. We started Ashley on Plexus Probio 5, Plexus BioCleanse, and an oral steroid Prednisone once daily. We tried the Plexus Slim but she is not big on messing with her water! Well I can't deny what is happening right before my eyes!! She went from bald to a head full of hair in just over a month. On a side note: Haley is drinking Plexus Slim for energy and to help with her sugar cravings and she loves it and says it really is helping her. Ashley started Slim over the weekend because she is gaining a little weight with the steroid. Here's the deal, I signed on to be an ambassador. I think rather than being a cure all - which it is not- it is about getting healthy. Gut health, increasing energy and metabolism, etc... I too was skeptical, but in hindsight I really wasn't. I know it is about being healthy. Ashley is not cured but hopefully we have discovered a way to help control her flare ups. Even if she loses her hair again (which she could) I know that getting her gut regulated has helped her tremendously! #Plexus #Alopecia #Pleximony #whyiplexus #mypassion #startyourjourneytoday #plexusischanginglives #watchmeorjoinme #plexusprincess

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Wednesday, September 23, 2015

Just listed an awesome house in Norco Hills 1361 El Paso Dr. right off of HIdden Hills Drive. It is a former model home that has been improved upon with lush landscaping and a lovely rock pool and spa. Located in Norco Hills, the home is the Former model for the tract. This property has been improved upon with lush landscaping (front and back) with a beautiful rock pool and spa. Relax on the patio and enjoy the custome built in gas fire pit. There is a gazebo with a BBQ that stay. Solor system that is NOT HERO PROGRAM. This home is a fantastic 4 bedroom 3 bath house with the guest bedroom and bathroom on the first floor. There is a lovely formal living room, dining room, and a kitchen that is open to the family room which boast a great fireplace. The master suite is large and bath and walk in closet is to die for. There is a private balcony off of the master bedroom and another off off the master bath. There is gated RV parking (paved) and a basket ball court too. 2 A/C compressors... one for upstairs and one for downstairs. FAU unit in attic. Terminix Termite Inspection Protection Plan - paid for Oct. 1, 2015 thru Oct. 31, 2016. . Wired speakers in ceiling (kitchen, entry, master and upstairs hall) - not connected. Extra GFI 110 electrical outlets at pool equipment, wooden gazebo and just inside driveway gate on slope side. Backyard "streetlights" and light(s) in wooden gazebo. Come fall in love. Video Montage at: http://snip.ly/x9l2 WHAT'S MY HOME WORTH? http://ift.tt/1MESG5H

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Monday, August 31, 2015

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. Please click on this link to view the Housing Trends August 2015 Newsletter http://ift.tt/1jDCQwq The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau, Realtor.org reports and other sources. Housing Trends eNewsletter is filled with local and national real estate sales and price activity provided by MLSs and the National Association of Realtors, U.S. Census Bureau key market indicators, consumer videos, blogs, real estate glossary, mortgage rates and calculators, consumer articles, and REALTOR.com local community reports. If you are interested in determining the value of your home, click the “Home Evaluator” link for a free evaluation report: http://ift.tt/1UiAX9W Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you. Thank you for the opportunity to provide you with this monthly eNewsletter, and I look forward to answering any questions you may have and to the opportunity to be your REALTOR® in the future.

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Friday, August 14, 2015

This is full of some great ideas that I never thought of. Enjoy. How Much is Your Home Worth : http://ift.tt/1MESG5H

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Well evidently the first round of antibiotics I took way back in March did not get rid of the Lyme bug. So now I am on something that is like a z-pack on steroids. Pharmacist was called out when I went to get the prescription filled. I guess 3 days is the normal dosage mine is for 10 days so they had to verify everything. If this doesn't work then it gets really nasty starting with a spinal tap. Oh Lordy!!!!!!

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Taking a class for my Professional Standards Committee

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Wednesday, August 5, 2015

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KUDOS for C21. Dear CENTURY 21® Agent, J.D. Power, the leader in customer satisfaction insights and solutions, released the 2015 Home Buyer/Seller Satisfaction Study today. For the second year in a row, CENTURY 21 was ranked highest across the four segments in this study: first-time home buyer, repeat home buyer, first-time home seller and repeat home seller. The CENTURY 21 brand is the only real estate firm in the history of the J.D. Power Customer Satisfaction Study to rank highest in all four segments for two consecutive years. What an incredible achievement! View the press release that was issued this morning here. It is the hard work you put forth every day in your local markets that makes CENTURY 21 Real Estate the best in the business. Congratulations to all of you as this honor is a direct reflection of you. We will provide you with approved opportunities to capitalize on this announcement in your local markets in the coming days. Thanks again for all the hard work you have done to make CENTURY 21 #1! CENTURY 21 Agents: SMARTER. BOLDER. FASTER.® Rick Rick Davidson President & CEO Century 21 Real Estate LLC

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Sunday, August 2, 2015

Thinking About Flood Insurance? It’s a nightmare situation, and we’ve all seen it on the news before: Water lapping at people’s roofs, furniture floating in inundated living rooms, and entire livelihoods swept away by floods. Almost any waterway can become a flood threat if the conditions are right. What would you do if you found your home facing a rising water line? Most people don’t realize that basic homeowners’ insurance policies don’t cover flood damage. Think snow damage or hurricanes are covered by your policy? Check again. Many companies will not pay out for repairs from water events such as these. Some facts you should know about flood insurance: • Premiums for flood insurance will vary based on home construction, year, and estimated risk. • There’s a 30-day waiting period before coverage goes into effect. (Don’t get caught shopping for a last-minute policy because you see a big storm coming!) • If you buy flood insurance while you’re engaged in the mortgage process, you may waive the 30-day waiting period. • The U.S. government will not provide flood assistance unless the area is declared a disaster zone. • If you’re selling a home in a flood plain, recognize that the flood insurance requirement may be viewed as a major negative in buyers’ eyes. • Flood maps can change, so it’s a good idea to check floodmap.net for information. • Flood insurance doesn’t necessarily cover everything in your home, so be aware of the terms of the policy. While the decision to purchase flood insurance is ultimately up to you, provided you’re not required by your lender to have it, you should ask yourself if the savings is worth the risk. Be prepared for floods by reading up on them at the ready.gov website here: http://ift.tt/Ps9mge You can also learn more about flood insurance at FEMA here: http://ift.tt/TsHa1M Curious who offers flood insurance in your area? Get in touch and I’ll refer you to someone I know and trust: 909-222-1094, Sharon@SharonShepherd.com What’s My Home Worth at : http://ift.tt/1MESG5H View 1,000s of Homes Instantly at : http://ift.tt/1cJ58fS

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