Monday, November 30, 2015
Sunday, November 29, 2015
Saturday, November 28, 2015
Friday, November 27, 2015
Tuesday, November 24, 2015
Monday, November 23, 2015
Sunday, November 22, 2015
Had a great funny day yesterday. Was working with my new horse, phone rings - Need to go open up listing for agent to show Owners out of town). 20 min. drive. Come back home afterwards planning on horse fun, phone rings, back to open up house again 0 20 min. drive. go back home. Phone rings - rinse and repeat. lol. I was laughing so hard driving back and forth. Shoulda put some signs out and held on impromptu open house.
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Saturday, November 21, 2015
Thursday, November 19, 2015
Wednesday, November 18, 2015
Tuesday, November 17, 2015
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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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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Monday, November 16, 2015
Sunday, November 15, 2015
My niece came by last night with a 40 x 40 pin and this lovely paint gelding. I'm so tickled I can't see straight. He is five years old with excellent bloodlines and he was a gift. I'm giving him a couple of days to get settled and I am going to start groundbreaking him. Then I'm going to be very picky about what trainer I send him to as I don't want someone who bits them up and beats on them.. I am going to find someone who uses the John Lyons, Perelli, or Anderson method. This little horses so kind and willing (well 15.1 or 15.2) he is already learning the lunging commands and he's bending like he should giving me his head. His grandmother and his mother were sweethearts so I just know he's going to be the same. I can't wait to go riding on him. His sire is also a fantastic riding horse
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Saturday, November 14, 2015
Friday, November 13, 2015
Thursday, November 12, 2015
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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Wednesday, November 11, 2015
Tuesday, November 10, 2015
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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Friday, November 6, 2015
This is a forward from Scott Levitt who send me some great stuff. The DIY Wonderland of WooHome I love creative home design ideas, and I'm sure you c do, too. One of the coolest websites I've come across recently for home design ideas is WooHome.com. The website is full of projects large and small to help you creatively use space, salvage and repurpose common items, and decorate seasonally. The website has sections for architecture, furniture, garden, home gadgets, interior design, and outdoor areas. Almost all of the articles feature numerous images you can use for inspiration. Some of my favorite examples include this bookshelf article and his pallet storage piece. WooHome is a great resource if you're into creating home inspiration collections on Pinterest, too. Check it out: http://snip.ly/lkRN
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Thursday, November 5, 2015
Oh my heavens - there is a God. The man who never remembers to put the toilet seat down when his is done forgot that he was the last person in the bathroom. The blood curdling screamed as all that he holds near and dear hit the ice cold water was priceless. He is now taking a shower to get all the cooties off - hey they are his cooties. What can I say - absolutely nothing. I am to busy laughing myself silly.
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Wednesday, November 4, 2015
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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Tuesday, November 3, 2015
Sunday, November 1, 2015
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