Apache is functioning normally

March 13, 2024 by Brett Tams

Our surroundings hold significant sway over our mood and well-being, often shaping our experiences more than we realize. The activities we engage in within these walls mold our emotional state, productivity, and overall perspective. So, if you find yourself feeling low without a clear cause, your home may be to blame.

No matter if you call Des Moines, IA, Boise, ID, or any place in between home, with spring on the horizon, there’s no better time to implement simple yet transformative changes within our living spaces. To help set the stage to boost happiness and cultivate a sense of fulfillment that extends beyond the confines of our homes, here are 20 ways to boost happiness at home this spring.

Uplift your mood with plants and flowers

Incorporating elements of nature indoors is a simple yet rejuvenating method to revitalize your living space and elevate your mood. Beyond enhancing visual charm, this natural infusion instills a feeling of energy, rejuvenation, and joy, fostering a renewed sense of vitality within your home.

1. Refresh your space with blooming branches

Spring is the best season for bringing fresh elements into your home, and according to florist Jill Mason of Portland-based plant shop Starflower Passion, blooming branches are her top recommendation. “I adore seasonal blooming branches like dogwood, forsythia, cherry, and quince, with quince being my favorite. Just five to 10 stems in your favorite vase can transform your space with modern simplicity. These branches last for weeks, offering lasting beauty. For another stunning option, consider tulips. With 10 to 30 stems, they bring drama and changing shapes that captivate.”

2. Breathe life into your home with locally grown flowers

“Contact local flower farmers for 100% locally grown blooms; many offer fantastic subscriptions and CSA programs for a variety of stunning arrangements every week,” suggests Lynsea Coy, owner of Coy & Co., a sustainable florist in Portland, OR. “Avoid using floral foam or flowers treated with harmful chemicals like dyes, paints, bleaches, or preservatives, as they are detrimental to the environment and your health. The best way to keep your space alive is to pay tribute to the land you’re occupying by celebrating those that honor and steward it carefully and sustainably.”

3. Create a lush indoor oasis

“Group a few houseplants together in well-lit spaces of your home to create a lush green vibe,” says Hailey Dekle, owner of plant shop Cactus + Co. on Camano Island, WA. “For darker spaces, consider adding greenery that is tolerant of less light like snake plants, ZZ plants, pothos, and aglaonema varieties. We recommend adding at least one plant that blooms in the spring like an Easter cactus, jasmine, or hoya.”

Dekle goes on to share, “As your plants grow, you’ll be able to take cuttings to propagate and add more greenery throughout your space. Repurpose your empty baskets or containers and then check your local plant shop for planters, baskets, and macrame to style your plants.”

4. Choose a variety of plants to add visual interest

Marian Packer, owner of Packer Plant Company, a plant nursery in Klamath Falls, OR, offers insights for the ideal plant placements to enhance visual appeal within your home.

“Snake plants are extremely low-maintenance and look beautiful sitting in a corner in a basket,” shares Packer. “Pothos are a great choice for the top of a cabinet or shelf where the vines can drape down. A peperomia is a pet-safe plant for higher-traffic areas like side tables or entryways. Don’t be afraid to experiment with different varieties of plants until you find exactly what you like.”

5. Start with beginner-friendly plants

For beginners, experimenting with different plants and learning their care needs gradually builds confidence and expertise in nurturing indoor greenery.

“If you’re new to house plants, varieties like philodendron or pothos are great starters, as they thrive with minimal attention and can enhance any room’s ambiance,” explains Cameron Perrin of Shop Pothos, offering house plants delivered to your door. “Plant stands offer a great way to showcase some natural beauty but we also recommend hanging planters or shelves to add a vertical dimension to your space. Incorporating house plants into your home or office does more than just enhance its aesthetic appeal; it also improves air quality, making your home feel fresher and more inviting.”

Elevate your interior design with a touch of springtime freshness

Infuse your space with vibrant energy and rejuvenation to create a more uplifting and inspiring atmosphere. Incorporating elements like bright colors, floral patterns, and natural accents can evoke feelings of joy and renewal, enhancing your overall sense of happiness and well-being within your home.

6. Opt for pastels of vibrant spring hues

Ria Urs, Principal Lead Designer at Interiors By Ria, a luxury interior design firm in Addison, TX, emphasizes the importance of infusing your home with the freshness of the outdoors as spring approaches.

“A simple yet impactful tip is to incorporate greenery and floral arrangements that bring the vibrancy of spring indoors, instantly uplifting any room’s mood,” says Urs. “Swap out those heavy, dark textiles like changing thick, dark-colored winter drapes to sheer, light curtains that let in more sunlight, replacing heavy wool throw blankets with light cotton or linen options in pastel or vibrant spring hues, and switching out dark, dense area rugs with lighter, brighter, or even floral-patterned rugs to add a fresh pop of color and texture to your living spaces.”

7. Choose thoughtful design choices

Life coach Michele Attias discusses how spring presents an ideal moment for mindful rejuvenation of your living space. “Ask yourself, ‘How can I create more happiness in my home?’ Consider rearranging furniture in one room to embrace a fresh layout, pushing the boundaries of comfort and authenticity.

Attias also recommends delving deeper by asking, “‘What is my goal here, and what do I want to open up to in the spring season?’ Embrace the spirit of renewal by designating a wellness area in your home, adorned with plush cushions, a journal, framed inspirational quotes, and scented candles – your sanctuary to connect, meditate and reflect at the end of a busy day.”

8. Consider your surroundings for your home’s interior

“When refreshing your space, think about what’s going on outside and let that inform what you bring into your spaces,” Says Amanda Arcone, owner and designer at New England Home & Interiors. “For a nature-filled environment, maintain serenity by avoiding busy colors and patterns. In urban areas, opt for contemporary elements like glass, bold colors, and interesting lines and curves. In mountainous regions, complement the landscape with nature-inspired hues, such as blues, browns, and whites. Near water, blues, greens, and soft grays are all wonderful palettes. Pay attention to light direction and color preference, aiming to create a mood that fosters peace and joy in your home.”

9. Focus on soft whites and natural elements to create a serene and airy space

Home staging company Gema Designs recommends the following blend of soft hues and natural textures for a sense of tranquility and freshness in your home, perfectly capturing the essence of spring.

“Paint colors such as ‘White Dove’ by Benjamin Moore for walls can instantly brighten a room, while accents in ‘Black Iron’ by Sherwin Williams add depth and contrast,” says Gema Designs. Adding touches of ‘Cottage Grove’ by Magnolia Paint introduces a subtle, earthy tone, complementing the natural beauty of wood finishes and indoor plants. This blend of soft hues and natural textures brings a sense of tranquility and freshness to your home, perfectly capturing the essence of spring.”

10. Less is more when decorating

Heather Krout, interior stylist and decorator of Home with Heather advocates for the art of un-decorating.

“Falling into the common decorating mistake of overcrowding with numerous small items is easy, especially with beloved bunnies and tiny accessories,” says Krout. “However, the key lies in the art of un-decorating, where simplifying reigns supreme. As spring arrives, it’s the ideal time to clear away extra clutter and begin anew. Start by adding one larger scale item as a focal point, introducing a touch of greenery in a vase, and incorporating just one small accessory decor item.”

11. Bring spring indoors with colors, patterns, and florals

Bringing the essence of spring indoors is effortlessly achieved by infusing your décor with its vibrant colors, lively patterns, and delicate florals.

“I like to update my pillows with seasonal colors and patterns, often opting for nature-inspired hues like blues and greens, occasionally adding floral motifs for extra charm,” shares Cristina Lehman, founder and principal designer of C. Lehman Home. “I also enjoy incorporating fresh flowers or greenery from my backyard or the local grocery store to infuse the house with organic vibrancy and color.”

12. Brighten your home with clean windows and greenery

“Before it’s warm enough to start living an indoor-outdoor lifestyle, bring the spring air and light inside your home by giving your windows, screens, and window coverings a good cleaning,” advises principal and CEO Anne Michaelsen Yahn. “Enhance your indoor space with an indoor garden featuring a diverse selection of houseplants. Opt for at least three containers of varying sizes in coordinating colors, each filled with your favorite greenery selections.”

13. Freshen up with decor and accents

“Revitalize your space by thoroughly cleaning and decluttering, removing any items that are no longer essential. This will immediately create a brighter and more spacious atmosphere,” shares Francine Park, owner and designer at interior design studio in Seattle, WA, Freshen Design.

“Update your beddings, decorative pillow covers, curtains, and lampshades with lighter fabrics and colors to infuse the room with a fresh spring vibe. Consider adding a whimsical and colorful polyester area rug to add personality to the space. Bring the outdoors in by incorporating fresh flowers, and consider swapping out a large artwork for a statement moss wall art to embrace the season’s natural elements. Finally, add small Easter decorative items to further enhance the festive ambiance.”

Create a space made for prioritizing inner peace and happiness

Your home should be the space you can escape to amidst the hustle and bustle of daily life. By curating an environment tailored to promote emotional well-being, you invite moments of serenity and contentment into your home.

13. Designate a corner for meditation

“Spring is the perfect time to create or refresh an area in your home dedicated to meditation, a calm down corner (for both grown-ups and kids), or a peaceful respite,” shares stress and anxiety coach Sandra Woznicki. “Even a quiet corner with a few cozy cushions, soft lighting, a small plant, and perhaps some soothing aromatherapy or inspiring artwork can serve as an inviting sanctuary. Cultivating such a space not only makes intentional relaxation more appealing but can also condition your nervous system to relax instinctively upon entering.”

Adding to this perspective, mindfulness coaches Jen and Katie, founders of Awareness of Mind, emphasize the importance of carving out time for meditation. “While many of us aspire to meditate regularly, the busyness of life often gets in the way. By designating a specific area in your home for meditation — whether it’s a corner or a dedicated spot on the sofa — you create a tangible invitation to practice mindfulness daily. Enhance the ambiance with inspirational quotes, calming sounds, and greenery to encourage moments of stillness and connection with your breath.”

15. Embrace the practice of sauca

“Sauca, a fundamental principle in yoga, emphasizes purity, cleanliness, and tidiness in both body and mind,” explains yoga instructor, Christine Chen. “By clearing clutter, eliminating toxins, and shedding bad habits, we pave the way for a healthier, clearer, and more awakened life. This principle extends beyond the self to our living spaces. By purifying our homes through decluttering and thorough cleaning, we create an environment conducive to spiritual practice. Recognizing and addressing habits that contribute to an untidy home can ultimately transform our living spaces to create a dedicated space for spiritual practice – it’s life-changing.”

16. Simplify your space

“Often, our environment is a reflection of the state of our mind so ensuring that we are making time to simplify and create order in our space, we can positively impact our mental health,” states Onnie Michalsky, MA, LCPC Life Coach at Moms Without Capes.

“A cluttered room may contribute to feelings of stress, where we lack a sense of control and put our mind into overdrive. Start small by focusing on a single drawer or filling one small box with items to donate. As you make even the slightest progress, be sure to savor how it feels to let go of that which no longer serves you and know that you are engaging in self-care as you rid yourself of excess stuff, improving your home and your mind.”

17. Create an energy flow for new opportunities

“Clearing clutter from your home initiates a flow of energy, paving the way for new opportunities,” explains Shannon Shine, founder of Shine Time Studios and Wellness. “Take small steps each day to redirect energy to different areas, avoiding the pressure of an overnight transformation. Embrace the gradual renewal of spring by focusing on refreshing one corner at a time, allowing space for relaxation and a stress-free approach. Remember, the process may unfold continuously, symbolizing the evolving journey towards embracing your renewed self.”

Declutter and deep clean for a brighter home

Clearing out clutter and giving your home a deep clean not only creates a brighter, more spacious environment but also lifts your mood and energizes your space.

18. The 3 magic questions to ask yourself

“The first step to revitalizing your wardrobe involves decluttering, which can feel daunting at times,” shares Lili Henry Stylist based in San Francisco, CA. “When assisting clients with wardrobe edits, I introduce three essential questions: Does it fit? If not, it goes. Is it worn out? If yes, it’s out. When was the last time you wore it? If over a year ago, it’s time to bid farewell. By the end of this process, we pinpoint missing pieces to avoid unnecessary purchases and conduct a color analysis to determine their best-suited hues, ensuring they shine in their wardrobe selections.”

21. Start with your entryway

“Begin by refreshing your entryway: replace heavy winter coats with lighter jackets, introduce a colorful doormat, and designate areas for sunglasses and umbrellas,” advises Heather Aiello, founder of The Organized You. “Taking on one zone at a time allows for a smooth and manageable shift, bringing the revitalizing essence of the season into your home.”

19. Conquer the clutter in your closet

“Spring is the perfect time to overhaul your wardrobe but it can be tricky to know where to begin,” acknowledges Jennifer Jones Styling. “Begin by evaluating each item in your wardrobe, assessing how it aligns with your preferences, confidence level, color palette, body shape, and lifestyle. If any pieces fall short of these criteria, consider donating them or selling them to make room for items you truly love. Additionally, take into account the seasonality of each piece; if it’s not suitable for spring and summer, set it aside for future use. This approach ensures that revisiting your wardrobe feels like uncovering a fresh collection when the time is right.”

20. Utilize the hanger hack

Kristi Brooks Pennington, a stylist based in San Diego, CA, and Los Angeles, CA, shares a clever closet decluttering tip. “Align all your hangers in the same direction. Each time you wear an item, rotate the hanger. If a hanger remains unchanged for 12 months, it’s a sign you’re not wearing that piece and it’s ready for donation.”

The ultimate home reset this spring: Final thoughts

By incorporating these strategies to elevate our living spaces, from decluttering and simplifying to infusing nature and prioritizing wellness, we set the stage for a season of joy, contentment, and renewal. Here’s to a spring filled with happiness, harmony, and endless possibilities.

Source: apartmentguide.com

Apache is functioning normally

March 12, 2024 by Brett Tams

As the world awakens from its winter slumber and the air fills with a sense of renewal, there’s no better time to embark on the ultimate spring reset for your home. And with this sense of renewal comes an energetic craving to tidy up our homes and welcome the spring season. After a long winter season, where’s the best place to begin refreshing the home?

From decluttering and organizing to deep cleaning rituals and nature-inspired decor, this ApartmentGuide article is your guide for tips and techniques for crafting a sanctuary for the spring season ahead. Whether you live in an apartment in Des Moines, IA or a rental home in Portland, OR, and are looking to incorporate fresh florals, declutter your space, or embrace a new color palette, we’ve got you covered.

Step 1: Get a fresh start by decluttering and organizing

Decluttering your home is not just about tidying up; it’s about creating a sense of space, clarity, and peace within your home. By eliminating excess belongings, you can reduce stress, increase productivity, and improve overall well-being. Start by breaking down decluttering tasks into manageable chunks, focusing on one area at a time to avoid overwhelm. Sort items into categories such as keep, donate, sell, or discard, and be ruthless in your decision-making process. Ask yourself if each item serves a purpose or brings joy, and if not, let it go.

Organizing also plays a vital role in maintaining a functional living space, promoting efficiency, clarity, and well-being. Assess your needs, devise a plan, and utilize storage solutions to categorize items effectively. Regularly declutter and reassess to maintain efficiency.

Seek permission and compromise

If you live with one or more people, it’s important to seek permission and compromise when decluttering. Professional organizer Nassim Secci of The Happy Space Co. emphasizes, “Overcoming the hurdle can be challenging, especially when a spouse is hesitant to let go. Start by gaining permission to organize items without discarding any initially, ensuring they consent to any discarding. The act of categorizing and rearranging possessions can often spark a positive shift, and even without discarding, an organized space can bring a sense of order and freshness to your home.”

Store winter gear

With spring on its way and summer just around the corner, Sarit Weiss, founder of Neat and Orderly home organizing company, recommends walking through the house collecting all winter accessories, gear, and clothing. “Place them in clearly labeled bins or using transparent bins for easy visibility, and find a place to store them for the season. Think under beds, on a high shelf in a closet, or consider investing in a small storage unit if necessary. With this system, you’ll free up space for the current season’s essentials. Bring the beach chairs, summer accessories, and sports equipment to the front of your closets or mudroom for easy access.”

Aim for progress, not perfection

“Spring heralds abundance, possibility, new life, and growth — a sense of everything falling into place,” shares holistic life coach, Carmen Ohling. “This spring, our aim is progress, not perfection, recognizing the link between mental clutter and physical disorder. Clean out your sock and underwear drawer, discarding stained, hole-ridden, or overly stretched items.

Select one task from the list—organize the kitchen utensil drawer, back half of the clothes closet, desk drawer, makeup bag and skincare drawer, or junk drawer — completing it fully. Often, we hoard due to scarcity mentality or comfort in the past. Assess each item’s alignment with your present self; if unused in six months, discard. Embrace Marie Kondo’s principle: If it doesn’t spark joy, let it go.”

Step 2: Tidy up your living space

Deep cleaning your home not only restores a sense of freshness but also promotes a healthier living environment. Prioritize areas that accumulate dust and grime, such as baseboards, ceiling fans, and vents. Use a microfiber cloth and all-purpose cleaner to wipe down surfaces, paying attention to neglected spots like light switches and doorknobs. Don’t forget to vacuum carpets and upholstery thoroughly, and mop hard floors with a disinfectant solution. Finally, tackle overlooked areas like behind appliances, inside cabinets, and beneath furniture to ensure a thorough cleaning.

When it comes to refreshing your space for the spring season, lifestyle blogger Kimberly Samantha from Brunch and Gloss advises, “Edit, edit, edit.” According to Samantha, “Right after the holiday season, spring cleaning is the best time to go through what you have and make a whole household edit. Everything should have a home; if something doesn’t have a home, then chances are you don’t need it. Take time to organize your space in a way that’s functional and achievable for your lifestyle.”

Step 3: Refresh your wardrobe

Refreshing your wardrobe in spring is a chance to not only update your style with fresh colors and patterns but also clean out your closet and maximize your space.

Practice the one in, one out rule

“Consider adopting the ‘one in, one out’ rule,” suggests personal stylist Beth Divine, MA, AICI-CIC based in Indianapolis, IN. “For every new item you bring into your wardrobe, donate one to a charitable organization. Embrace a new trend by trying out sling-back shoes, particularly in trendy styles like two-tone spectators or vibrant colors like blue, pink, or green. You might be surprised by how often you reach for them. Or, add a pair of straight, dark rinse or cream color jeans to your wardrobe that’s easy to pair with anything. Finally, work with a professional to learn your best colors; build your wardrobe or clean out your closet.”

Shop your closet

“Take inventory, mix and match pieces, and integrate items from your winter wardrobe for new outfits, saving money and keeping your closet clutter-free,” explains certified wardrobe stylist Lisa Samsom of Vermont Wardrobe Styling. “Be sure to use a steamer to remove wrinkles and freshen up clothing after bringing them out of storage. Explore your winter wardrobe for burgundy, a hot spring color, and pair it with tans and creams. Create a ‘most wanted list for winter’ to guide future purchases and prevent unnecessary buys. Embrace pre-loved items at thrift stores and vintage shops. To declutter effectively, adopt an ‘outfit mindset’ by assessing each item’s versatility and styling potential, helping you differentiate between essential pieces and unnecessary clutter.”

Add a splash of color or pattern

“Embrace the spring season by incorporating pastel shades and floral prints into your outfits, which can easily be mixed and matched with neutral pieces you already own,” shares Nancy Queen, wardrobe stylist at Shopping on Champagne. “Consider layering lightweight fabrics to navigate the unpredictable spring weather stylishly. This approach not only refreshes your look but also allows you to experiment with different combinations without a complete wardrobe overhaul.”

Step 4: Integrate spring into your interior design

Bring a refreshing burst of color into your home, infusing spaces with the vibrant energy of the season. By incorporating spring decor elements like light pastel colors, natural textures, and floral accents, you can create an uplifting and rejuvenating atmosphere within the home.

Evoke the essence of spring

“As we transition into the warm embrace of spring, the longer days and pleasant, soft sunlight often inspire us to change,” shares Debora Interiors, a virtual interior design service and 3D renderings to create customized designs. “Evoke the bloom of nature into your home by introducing floral touches and soft pastels through fabrics, wall tapestries, décor, and wall paint. Opt for lightweight, natural fabrics such as cotton and linen for your textiles to allow your space to breathe and let the warm sunlight in. Fresh, colorful flowers will be your best friend as they are the finishing touch to any inviting home.”

“I love infusing my living space with lighter colors and vibrant energy,” says Gretchen Reese, lifestyle blogger at Monochrome Minimalist. “Whether it’s introducing a fresh pillow cover or a lighter throw, placing a new plant by the window, or indulging in a scent that evokes the essence of the changing season, each touch revitalizes my space, breathing new life into it for the springtime.”

Embrace the power of simplicity

Melissa Vera, blogger at Adventures of Frugal Mom says, “Clear away winter remnants, opt for lighter and brighter hues, and strategically place mirrors to amplify natural light. Introduce floral accents, be it through fresh blooms or botanical-themed decor, for an instant burst of springtime charm. Embrace a minimalist approach, allowing your space to breathe and embody the refreshing essence of the season.”

Display one-of-a-kind items that have a deep connection to your roots

Erica Shepard, NCIDQ, IIDA, LEED AP ID+C, Owner + Principal Designer at Shepard Design Studio, explains that a home should have a timeless foundation that can seamlessly adapt to the evolving trends while allowing a canvas for personal expression.

“Think bold accent walls, statement furniture, or playful accessories that can thoughtfully incorporate meaningful pieces. This could mean uncovering treasures from your closet or storage spaces – cherished family heirlooms could take center stage on your gallery wall or you could feature vintage furniture pieces awaiting to be refreshed. Your local frame shop or services like Framebridge are great DIY resources for displaying beloved objects or nostalgic photos in your home,” suggests Shephard.

Bring nature in

Our homes offer us the perfect excuse to embrace the changing season. According to Heather Calder, owner of Heather Interior Design, you can refresh your space with something as simple as a new paint color to freshen and liven up the space.

“Try something new and be bold,” suggests Calder. “Adorn your front door with a welcoming floral wreath and infuse the air with the scent of spring using candles. Incorporating nature into our living spaces offers countless benefits.”

Infuse your space with cheer

“With spring’s arrival, now is the ideal time for a home refresh,” states Cemre Yurdakul, interior designer and property stylist at Cinnamon & Vanilla Interior Design. “Consider replacing those heavy winter blankets with light and airy throws in vibrant spring hues like sunny yellows or soft pastels. Incorporating a few potted plants or fresh flowers can infuse your home with the rejuvenating essence of spring. Let’s aim to create living spaces that radiate the brightness and cheerfulness of the season itself.”

Step 5: Brighten up your space with flowers

By incorporating flowers, you can instantly add a vibrant burst of color and a delightful fragrance, lifting spirits and bringing a touch of nature indoors.

Use blooming branches for a touch of spring

“Cutting branches from trees and shrubs in the early spring is an easy way to bring some drama into your home,” shares Megan, owner of Field Floral Studio, a fine art florist in Portland, ME. “Given fresh water and warmth, bare branches will start to leaf out or flower depending on which variety you choose. Cut each branch on a slant, place it in a large vase, and watch the magic unfold.”

Portland, OR-based flower delivery By the Bunch Floral Alchemy also recommends decorating with branches. Celebrate spring by bringing blooming branches indoors — dogwood, quince, forsythia, tulip, star magnolia, cherry, and plum blossom create stunning displays. The trick with these is to cut them early as soon as the buds start to show, splitting stems for better water absorption, and be sure to change the water every couple of days to get them to last longer. The warm interior temperatures will speed up their blooming process, and depending on how early you cut them, you might get as much as a week or two out of them. Local flower farms typically offer CSA subscriptions for seasonal blooms, with some providing delivery. Consider researching nearby options to support local.”

Choose seasonal and local blooms first

“Choose seasonal and local blooms first,” advises Bianca Sparta, owner of Colibri Flowers in Portland, OR. “This ensures that your flowers are as fresh as possible and will give you the longest vase life. Flowers should spark joy so choose and arrange however pleases you the most.”

Step 6: Incorporate principles of personal growth

This spring, prioritize fostering a nurturing environment that supports individual development and well-being. By surrounding oneself with reminders of personal goals, affirmations, and inspirational quotes, one can cultivate a mindset of growth and self-improvement in their daily life.

Focus on what you desire to maintain

“Your environment can support you in creating your ideal habits and routines,” explains Jessica Malone, life coach at Nacho Average Fro. “First, before you declutter, identify how you want to use the space, then identify what items can assist you. For example, if you want to spend more time journaling, consider where to place your journal and what additional items you need to support that habit.

Once you’ve selected the space, remove the items currently in that place and ask yourself ‘Do any of these items support my desired habits and routines?’ Whatever does not support you should be let go. After you’ve dedicated space to the things that support the life you desire, you’ll build new habits with ease.”

Create a space where you feel like you belong

Life coach Nisha Mody shares, “Spring is a great time to plant seeds for new growth within ourselves and in our environments. I love to think of ways to resource myself in different environments, and I encourage my clients to do the same. Resourcing ourselves is about finding something we can attune to that makes our bodies feel safe and like we belong. In terms of living spaces, this can mean having a photo of a loved one near a workspace, putting a plant near a window to witness its growth, or thinking of color palettes that soothe your body and soul.”

Establish tech-free zones in your home

“By designating specific areas as tech-free, you can create a space that fosters mindfulness, clarity, creativity, and real connections,” explains Abbey Sangmeister, life coach and therapist at Evolving Whole in New Jersey and Philadelphia, PA. “Make this a space you will want to go to; one with great lighting, candles, plants, and a journal in that area. Keep journal prompts, affirmations, or a card deck in the area to help you focus on personal growth, especially if you are feeling stuck with prompts. Personally, I am not a minimalist, so I like having trinkets, photos, art, and little reminders from travels and challenges I’ve accomplished surrounding me.”

Unlock motivation with the fresh start effect

Aileen Axtmayer, career coach at Aspire with Aileen based out of Boston, MA, discusses the ‘fresh start effect.’ “Our brains are more inclined to take action when they perceive the start of a new time period, such as the onset of a new year or season. With the arrival of spring, a new season commences, providing an opportune moment to refresh our environments and reinvigorate our pursuit of goals.”

Step 7: Focus on your emotional well-being with meditation

Meditation cultivates inner calm, resilience, and a greater sense of clarity amid life’s challenges. Integrating meditation into your life this spring can foster a harmonious environment conducive to self-reflection, renewal, and embracing the transformative energy of the season.

Create a dedicated space

“It’s true you can meditate anywhere; however, creating a dedicated space for meditation can help you support and maintain your practice,” says Claire E. Parsons, lawyer, meditation teacher, author, and founder of the Brilliant Legal Mind blog. “First, consider what kind of energy best supports your practice. Do you need calm and quiet, a cozy container, or light and space? Next, identify a small space that suits these needs and fits functionally with your lifestyle. Then, simply add supportive elements, including cushions, a bench, blankets, candles, and any decorative or spiritual items, and your space is ready for sitting in comfort.”

Lauren Schuivens, founder and CEO of Samavira Meditation, meditation training that helps you adapt traditional techniques to how your mind works best, explains that the area you choose to dedicate to your practice can be as simple as a corner in your room. “Add cozy seating, plants, soft lighting, and soothing colors. Personalize it with items like candles and crystals to enhance relaxation. Having a dedicated meditation space not only allows you to rejuvenate and find inner peace amidst the changing seasons, but can also help you drop into your practice more easily and deeply as your body begins to associate the space with a sense of tranquility.”

Invite tranquility and renewal in

Brennan, founder of meditation company Mindkee, dedicated to helping you relax and breathe, weighs in on this topic. “Elevate your ambiance by incorporating a cozy meditation pillow or cushion, gently nudging you towards moments of mindful reprieve. Infuse the air with calming aromas from incense or scented candles, or enliven the space with air-purifying plants for a serene atmosphere.

Surround yourself with imagery that inspires peace and positivity, whether it’s pictures of sages or loved ones who bring solace to your spirit. Above all, commit to a daily meditation practice to foster mental well-being and embrace the transformative power of consistent mindfulness in your life. Stay blessed, stay positive, and don’t forget to relax and breathe because your mind is key.”

Step 8: Bring the outdoors in with plants

Plants not only add aesthetic beauty but also enhance indoor air quality and boost mood and productivity. Incorporating greenery into your living space connects you with nature, fostering a sense of tranquility amid the changing season.

Begin fertilizing in early spring

Plant nursery Potted in Portland says spring is the perfect time to have a plant check-in. “We suggest starting spring plant care with fertilizing in March and assessing the soil to see if it needs a refresh or repotting. Prune away unwanted growth and remove any crispy or discolored leaves. Don’t forget, with increased sunlight, watering needs will likely increase as well.”

Consider your space and lifestyle

Tailored houseplant subscription service Plant in the Box, recommends plant parents to think about placement, care needs, and aesthetics to refresh their home. “Consider aloe vera or snake plants for bright sunlit spots. Fill slightly shaded or indirectly lit areas with philodendrons and ferns. If you lead a busy lifestyle or travel frequently, low-maintenance options like spider plants or pothos are ideal, requiring less frequent care. For aesthetics, decide if you prefer a plant that grows large, like the monstera, to fill a space, or something more compact, like a peace lily, to enhance your home’s look and feel.”

Mix textures and heights

“Opt for a mix of textures and heights when styling houseplants – consider combining trailing vines with tall, sculptural plants for a dynamic effect,” suggests Cultivated Creations, offering a unique collection of plants and local art in Baltimore, MD. “To boost your plant care routine, consider repurposing kitchen waste into homemade fertilizer using banana peels. Simply place banana peels in a mason jar, cover them with water, and let them soak for a week. After removing the peels, use the nutrient-rich water to nourish your plants, providing them with natural and beneficial hydration.”

Perfect picks for beginners

Mishele Freeman, founder of Emerald & Ivy Plant Boutique in San Diego, CA recommends a few beginner-friendly plants. “Golden pothos, ZZ plants, dracaenas, and snake plants are great beginner plants because they can tolerate any level of light, don’t need to be watered often, and are overall very low maintenance. These plants also have a neutral look to them, so pairing any of these with a fun pot (or even neutral, if that’s your aesthetic) makes it so easy to adapt them into your lifestyle. Keeping a pot neutral when paired with a more fun, detailed plant helps those intricacies stand out, and vice versa.”

Step 9: Find spring-inspired recipes that embody freshness

Spring brings an abundance of fresh produce, making it the perfect time to incorporate vibrant and nutritious recipes into your diet. From crisp salads bursting with seasonal greens and colorful vegetables to light and refreshing fruit-based desserts, there’s no shortage of delicious options to enjoy.

Embrace green foods

Monique Costello, functional medicine wellness coach and chef at Happy Eats Healthy weighs in on this topic. “As spring arrives, our bodies naturally crave fresh, light, and nutritious foods, signaling a desire to cleanse after the heavier winter fare. Incorporate greens generously by adding them to pasta sauces and soups, blending them into dressings, crafting wraps with leafy greens, or pulsing veggies into rice. For added nutritional benefits, consider topping dishes with sprouts, which boast a nutrient density 10 to 30 times higher than their mature counterparts.”

Eat your fruits and veggies

Salads are ideal for springtime as they incorporate fresh, seasonal produce, providing a light and refreshing option in warmer weather while offering a nutritious and satisfying meal. A great way to get your fruits and veggies in all at once is by simply combining the two.

Nina Cherie Franklin, recipe blogger at That Salad Lady recommends a berry spinach salad. “It’s a quick, delightful fusion of spring’s finest – fresh strawberries, blueberries and spinach, ready in under 15 minutes. Creamy avocado adds richness and heart-healthy fats, capturing the essence of spring with its fresh, buttery taste. Tossed in a homemade strawberry vinaigrette crafted from apple cider vinegar, extra-virgin olive oil, and honey, this salad strikes a perfect balance between sweet and savory flavors. This bowl is bursting with fresh flavors, textures, and nutritional goodness.”

Refreshing your home this spring

By decluttering, organizing, and infusing your space with the vibrant energy of the season, you can create a home that truly embodies the essence of spring. Whether it’s adding touches of greenery, embracing light and airy decor, or simply opening your windows to let in the fresh air, every small change can make a big difference.

As you breathe new life into your surroundings, embrace the beauty of simplicity, the joy of fresh beginnings, and the promise of growth as you embark on this transformative journey. Here’s to a season of growth, positivity, and endless possibilities in your beautifully refreshed space.

Source: apartmentguide.com

Apache is functioning normally

March 5, 2024 by Brett Tams

Joaquin Arambula, a Democratic assemblyman from California, introduced Assembly Bill 1840 earlier this year, which could create an alternative way for illegal immigrants to achieve homeownership.

The bill is set to expand eligibility criteria for a state loan program to expand these loans to include undocumented migrants that are first-time buyers.

Arambula’s update to the bill states, “an applicant under the program shall not be disqualified solely based on the applicant’s immigration status.”

BILL MELUGIN: ‘WHAT HAPPENS AT THE BORDER NO LONGER STAYS HERE’

Migrants attempt to cross in to the U.S. from Mexico at the border on December 17, 2023 in Jacumba Hot Springs, California. Asylum seekers are stuck in makeshift camps in the extreme climate of the US-Mexico border. (Photo by Nick Ut/Getty Images)

“It’s that ambiguity for undocumented individuals, despite the fact that they’ve qualified under existing criteria, such as having a qualified mortgage [that] underscores the pressing need for us to introduce legislation,” Arambula told the LA Times.

The bill focuses on the California Dream for All Shared Appreciation Loans program, which launched spring of 2023 to give qualifying first-time home buyers a loan that covers up to 20% of a property’s purchase price that will not accumulate interest or have required monthly payments. Loanees are instead expected to pay back the original loan amount in addition to 20% of the increase in the home’s value when the property’s mortgage is refinanced or resold.

First introduced on January 16th, Bill 1840 was originally intended to “provide shared appreciation loans” to low and middle income citizens. Under Arambula’s new proposal, the legislation would expand to allow the program to include illegal immigrants into the eligibility pool.

Arambula sent Fox News Digital a statement saying how the bill will address the uncertainty of the eligibility for undocumented indviduals.

“The California Dream for All program already exists – it was established to assist low- and middle-income individuals to purchase homes. But the program hasn’t been clear about eligibility for undocumented individuals, and AB 1840 addresses that issue. Let me be clear: anyone who meets the program’s criteria can apply for this loan program. And, to qualify, you must secure a bank loan or mortgage,” the statement said. “AB 1840 is about providing an opportunity for homeownership, which we know allows families to secure financial security and stability. The ability to do this strengthens local economies, and that benefits all people who call California home.”

TRUMP: ‘THIS IS A JOE BIDEN INVASION’

A U.S. Border Patrol agent talks with asylum-seekers waiting between the double fence along the U.S.-Mexico border near Tijuana, Mexico, Monday, May 8, 2023, in San Diego. The migrants wait between the fences to be processed by U.S. Border Patrol agents. (Denis Poroy)

The LA Times reported the California loan program garnered 2,300 applicants in less than two weeks last year before the program’s applications were halted, and that “the program will replace its first-come, first-serve basis with a lottery.”

Concerns continue to rise across the country as the migrant crisis continues to grow and overpower different states’ available resources.

The new Senate border bill that was introduced earlier this month before subsequently failing to gather enough support, was at the forefront of Biden’s priorities during his recent visit to the border.

“Folks, the bipartisan border security bill is a win for the American people and a win for the people of Texas, and it’s fair for those who legitimately have a right to come here,” Biden stated.

CLICK HERE TO GET THE FOX NEWS APP

President Joe Biden and National Border Patrol Council President Brandon Judd. (Getty Images)

National Border Patrol Council (NBCP) President Brandon Judd, who was present at former President Trump’s visit to the border in Eagle Pass, TX, relayed his sentiments towards the ongoing migrant crisis.

“Border patrol agents are upset that we cannot get the proper policy that is necessary to protect human life, to protect American citizens, to protect the people that are crossing the border illegally. We can’t do that because President Biden’s policies continue to invite people to cross here,” Judd said.

The artic was updated to include a statement from State Rep. Arambula.

Alba Cuebas-Fantauzzi is a freelance production assistant at Fox News Digital.

Source: foxnews.com

Apache is functioning normally

March 4, 2024 by Brett Tams

As you’re growing up, you learn about money from the people who raise you. Their lessons are based on their life experiences, which means there’s likely some bias built in.

That’s not necessarily a bad thing — you may have a savvy aunt who taught herself to manage her own money after a divorce, or a parent who cautioned you about debt because they struggled to pay down theirs. Hearing their stories can spare you from making financial mistakes. Even with all that history, though, you’re likely to make some financial decisions that will cause your relatives to wince.

Credit cards in particular can be a touchy subject in families where older generations avoid them out of the fear of costly debt, while younger generations embrace them for their rewards and convenience. Managing credit cards when it feels like you’re being “bad” can be difficult. Still, it’s totally OK to forge your own financial path based partially on family lore, and partially on your own goals and experiences.

Approach credit cards with care

If you’re a first-generation credit card user, it’s essential to understand how they work — this includes learning about the types of credit cards available, how you’re billed and what happens if you get into debt. Beware of common credit card myths, like the idea that you should carry a small balance from month to month because it’s good for your credit score (there’s no need to pay interest for the sake of your credit score).

Start by using your first credit card for a basic expense or two each month, and be sure to pay the entire balance when it’s due. You can still use cash or a debit card for some expenses, and a credit card for others.

Gloria Garcia Cisneros, a certified financial planner in San Diego, recommends using technology to help you manage your card. Automate payments to avoid missing due dates, and take advantage of apps that track spending so you don’t have to do so manually in a spreadsheet, she says. Also, create the habit of checking your credit card statements each month to review your spending, and avoid saving your credit card information on merchant websites so you’re less tempted to make impulse purchases.

Credit cards are more than a way to spend — they can help you establish your credit history, provide extra protections on purchases and can earn rewards on your everyday spending. Used carefully, credit cards can be a tool that helps you move toward other financial goals.

Lea Landaverde, the founder of the Riqueza Collective, a bilingual financial education and media company, learned this at the age of 18, when she realized she first needed to build her credit history to qualify for a rental home. “I had to learn how a credit card could benefit me.”

Examine the origins of your credit card beliefs

The messages you tell yourself about credit cards were installed in your mind long ago by loved ones who modeled certain behaviors. Credit card-related misconceptions and beliefs get passed down in families, especially when previous generations lived through difficult times. “When parents say debt is bad, they’re coming from a place of fear or trauma,” Landaverde says.

Garcia Cisneros was raised by her grandparents, who had widely different attitudes toward credit. “My grandpa was so against credit cards. He was like, ‘Cash under the mattress, cash is king,’” she says. Meanwhile, her grandmother not only used cards, but also maxed them out. “I didn’t know which one was right or wrong. When I got my first credit card, it was an emotional, impulse decision.”

Even if you’ve been financially independent for years, it’s hard to turn off that voice in your head that repeats relatives’ money beliefs that don’t match your current lifestyle. You can recognize why certain loved ones are credit card-averse, and use that family fear of debt as motivation to manage your credit cards thoughtfully.

Set boundaries with loved ones

Beware of family members who see your credit card as their funding source because they don’t understand how their actions can affect your credit. Garcia Cisneros is willing to help her family financially, but she has learned to set limits after a relative used her card while on vacation. Now, she only provides money for emergencies in the form of a loan with interest.

Celebrate your progress

As you become more confident with your credit card use, keep an eye on your credit score and pat yourself on the back when you see it go up. After all, you’re not just managing your credit card wisely, you’re creating an entirely new money mindset.

If you make a mistake or have to deal with an emergency expense and get into debt, it doesn’t have to derail your money goals forever. “You can start over,” Garcia Cisneros says. “You always have tomorrow.”

This article was written by NerdWallet and was originally published by The Associated Press.

Source: nerdwallet.com

Apache is functioning normally

February 29, 2024 by Brett Tams

Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

This website requires Javascrip to run properly.

Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

By:
Rob Chrisman

Wed, Feb 28 2024, 11:09 AM

At the TMBA’s Secondary Conference in Houston a topic is obviously interest rates and the economy… And the fact that the nation’s interest payment expense now exceeds our defense expense! It’s also a fact that Texas’ business climate is very friendly for companies. The #1 state in the nation for residential lending, California, not so much. Overheard here in the hallway: “California is a blue state wrapped up in red tape.” That said, permit process aside, California gets a lot of flak for its high cost of living, but that is for income tax rather than property tax, as exhibited in “Property Taxes by State in 2024” comparing home and vehicle taxes across the nation. Californians pay the 34th highest annual taxes on homes priced at state median value. New Jersey, Illinois, and Connecticut have the highest annual taxes on homes. Each year, the average American household spends $2,869 on real-estate property taxes plus another $448 for residents of the 26 states with vehicle property taxes. (Found here after 8:30AM ET, this week’s podcast is brought to you by nCino, makers of the nCino Mortgage Suite for the modern mortgage lender. nCino Mortgage Suite’s three core products – nCino Mortgage, nCino Incentive Compensation, and nCino Mortgage Analytics – unite the people, systems, and stages of the mortgage process. Interview with SoFi’s Liz Young on the need for Treasury auctions and how supply and demand at those auctions impacts consumer interest rates.)

Lender and Broker Services, Products, and Software

“If you’re heading to ICE Experience, there’s never been a better time to catch up with the Optimal Blue team. Our PPE clients are actively upgrading to the Encompass Partner Connect integration and enjoying new features and benefits. On average, loan officers experience a 60% reduction in the time it takes to request a lock and see it auto-confirmed within Encompass through this upgraded integration. This means users can continue with disclosures and other loan-processing activities faster, which shortens turnaround times and increases efficiencies. If you’re an existing Optimal Blue client and interested in hearing about the other benefits of upgrading, or if you’d like to further discuss your business strategy, consider scheduling a meeting with the Optimal Blue team at our private poolside cabana. We will also be set up at the Optimal Blue booth throughout the event and ready to chat at your leisure. See you in Vegas!”

Compliance Experts Report on 2024 Mortgage Servicing Outlook! Watch the 30-minute webinar that recently launched with ACES’ EVP of Compliance, Amanda Phillips and Reid Herlihy of Ballard Spahr as they discuss the most recent mortgage servicing news, CFPB Supervisory Highlights, and expectations and predictions for 2024 and beyond. Watch the recording.

Guaranteed Rate has chosen Evocalize to enhance the digital marketing capabilities of its mortgage loan officers. Evocalize, renowned for powering leading mortgage and real estate industry tech platforms, is partnering with Guaranteed Rate to revolutionize lead generation and referral partner engagement. Through Evocalize, loan officers can execute targeted digital marketing campaigns across various platforms including Google, Facebook, Instagram, TikTok, Gmail, and YouTube instantaneously. This collaboration empowers loan officers to leverage local data for lead generation amidst changing regulatory landscapes. Evocalize will leverage real-time data and machine learning algorithms to optimize ad management. Guaranteed Rate anticipates significant benefits from this partnership, including enhanced lead generation, reduced marketing costs, and streamlined compliance efforts, ultimately improving the overall customer experience. Learn more here.

“Welcome to the new AFR Wholesale® (AFR)! Change can be good. Our team has been relentlessly pursuing better execution. This exercise has led to great program enhancements, operational improvements and of course, better pricing. Non-Delegated and Wholesale clients have commented on our aggressive pricing across all programs. Notably our new expanded note rate adjusters in conventional and government. We’ve also revised pricing for our Down Payment Assistance Program going into purchase season. AFR is dedicated to offering not only competitive rates but also a customer-centric approach, ensuring that you and your borrowers have the tools and options needed for a beneficial experience. Delegated Correspondents have also seen sharper pricing and incredible turn times (under 48 hours). Ensure you’re leveraging all AFR benefits by reaching out to our Account Executives, 1-800-375-6071, or explore our enhancements through our Quick Pricer tool. Not a client? Partner with AFR today!”

When Al Gore invented the internet, he envisioned a world where borrowers and Realtors could stand in a home, pull out their phones, and update pre-approval letters on demand. Make him proud and check out QuickQual by LenderLogix.

STRATMOR on Lender-Vendor Communication

We in the industry know that there is often a massive disconnect between mortgage lenders and their technology partners, so why isn’t “business relationship therapist” a thing? In STRATMOR Group’s February Insights Report, Senior Advisor Sue Woodard takes on the role of “therapist” to help both lenders and vendors unpack the key areas of disconnect. If you need guidance in breaking down these communication barriers, contact STRATMOR and don’t miss “Step into Our Office: Couples Therapy for Mortgage Lenders and Tech Vendors” for suggestions for both parties and to learn how STRATMOR is already working with technology providers to hear, understand and better respond to the needs of the lending community.

Disaster News

Given that 20-25 percent of the nation’s mortgages come from California, exposed to earthquakes, fires, and flooding, seeing a disaster declared there is worth noting for lenders and servicers alike. FEMA announced that federal disaster assistance has been made available to the state of California to supplement recovery efforts in the areas affected by severe storms and flooding, January 21-23, 2024. The President’s action makes federal funding available to affected individuals in San Diego County.

“Assistance can include grants for temporary housing and home repairs, low-interest loans to cover uninsured property losses and other programs to help individuals and business owners recover from the effects of the disaster. Federal funding is also available on a cost-sharing basis for hazard mitigation measures statewide. Individuals and business owners who sustained losses in the designated areas can begin applying for assistance by registering online at www.DisasterAssistance.gov, by calling 1-800-621-3362 or by using the FEMA App.”

But up in Washington we have wildfires: FEMA DR-4759-WA.

On 2/19/2024, with DR-4758, Release Number HQ-24-024, FEMA declared federal disaster aid with individual assistance has been made available to San Diego County California affected by severe storms and flooding from 1/21/2024 to 1/23/2024. See AmeriHome Mortgage Disaster Announcement 20240206-CL for inspection requirements.

On 2/15/2024, with DR-4759, Release Number HQ-25-025, FEMA declared federal disaster aid with individual assistance has been made available to a county affected by wildfires from 8/18/2023 to 8/25/2023. See AmeriHome Mortgage Disaster Announcement 20240208-CL for inspection requirements.

FHA, VA, Ginnie Mae, HECM, and USDA Developments

Ginnie Mae’s mortgage-backed securities (MBS) portfolio outstanding grew to $2.53 trillion in January, including $28.1 billion of total MBS issuance, leading to $10.8 billion of net growth. January’s new MBS issuance supports financing for more than 91,000 households, including more than 46,000 first-time homebuyers. Approximately 77.6 percent of the January MBS issuance reflects new mortgages that support home purchases, because refinance activity remained low due to higher interest rates.

The January issuance includes $27.4 billion of Ginnie Mae II MBS and more than $674 million of Ginnie Mae I MBS, including nearly $558 million in loans for multifamily housing. For the 2024 calendar year to date, Ginnie Mae supported the pooling and securitization of more than 46,000 first-time homebuyer loans. For more information on monthly MBS issuance, unpaid principal balance (UPB), real estate investment conduit (REMIC) monthly issuance, and global market analysis, visit Ginnie Mae Disclosure.

In USDA news, an Unnumbered Letter (UL) dated February 13, 2024, has been issued which increases the appraisal fee to $775 and the conditional commitment fee to $850 under the rural development direct programs. The fee increases are effective March 14, 2024. The increased fees reflect market research for origination appraisals in rural areas and incorporates the average cost of appraisals under the programs’ nationwide contract with the Appraisal Management Companies.

With the current market trends of rising interest rates, the Single-Family Housing Guaranteed Loan Program (SFHGLP) Rural Development announced a Stand-Alone MRA ratio waiver; to remove the 55 percent and 31 percent limitations from the requirements in the regulation for the Stand-Alone MRA.

FHA published Frequently Asked Questions, FHA (FAQs), that address inquiries received from stakeholders regarding its final rule, Changes in Branch Office Registration Requirements published in the Federal Register on February 2, 2024. This regulation eliminated the current requirement for lenders and mortgagees to register branch offices where they originate FHA Title I or Title II loans. This new rule, which becomes effective on March 4, 20 is not applicable for those institutions whose fiscal year ended on December 31, 2023, and are required to recertify by March 31, 2024. Recertification fees for those lenders will be calculated based on the number of registered branches as of the last business day of their fiscal year-end certification period. Refer to the rule and accompanying FHA INFO 2024-01 dated February 2, 2024, for information on the rule.

Effectively immediately, AmeriHome is removing the existing $100,000 maximum cash-to-borrower overlay on VA Cash-Out Refinance transactions, to align with VA guidelines. For additional information, see Product Announcement 20240207-CL.

Big news for the “Empire State” of New York! Plaza Home Mortgage excitedly shared that borrowers can now utilize a reverse mortgage for purchasing a home. This is a great option for “buying up” or keeping key cash liquidity vs paying all cash. Plus, FHA now allows borrower concessions up to 6% of the Principal Limit. So, what does that mean for your borrower? When discussing the HECM product, these interested party contributions [or concessions] may include REALTORS®, builders, developers, lenders, and others with an interest in the transaction. Now, interested parties may contribute up to 6% of the sales price toward the borrower’s origination fees, closing costs, prepaid items, and more.

Weary about adding reverse mortgages into your business plan? Although there are lower LTVs caused by the higher rates, keep in mind that the acceleration of equity often offsets all of that. While your senior borrowers may get 47 percent instead of 57 percent LTV, their house may have appreciated $150K or more. Contact Plaza Home Mortgage for more information.

Pennymac Announcement 24-07 provides updates to Government LLPAs effective for all Best-Efforts Commitments taken on or after Friday, February 09, 2024.

The Single-Family Housing Guaranteed Loan Program (SFHGLP) announced upcoming revisions to technical Handbook 1-3555, Chapter 12, Property and Appraisal Requirements. Changes are expected to be implemented on April 1, 2024. View USDA Rural Development Bulletin for more information.

Per Pennymac Announcement 24-13, Government LLPAs were updated, effective for all Best-Efforts Commitments taken on or after Friday, February 23, 2024, as follows: Improve values on the ‘Government FICO Price Adjustments’ LLPA Grid.

Capital Markets

There are competing narratives emerging around the strength of the U.S. economy. Weaker consumer spending of late calls into question whether the economy can avoid a recession, consumer confidence has fallen and remains shaky, economic activity pulled back in January as storms and cold weather disrupted day-to-day activity, and markets received a disappointing Durable Orders report yesterday. However, employment has remained resilient, homebuilder confidence has improved, and Treasury auctions this week have not indicated any sort of flight to quality. On balance, the data suggests that the economy should pick up as the weather improves.

Home prices continue to hold steady as demand greatly exceeds supply. The FHFA Housing Price Index rose 0.1 percent month-over-month in December after increasing a revised 0.4 percent in November, while the S&P Case-Shiller Home Price Index was up 6.1 percent in December after being up 5.4 percent in November. However, local markets are seeing some price easing. Supply and demand may be a greater determinant: Despite high rates, home prices rose 5.1 percent in January, year over year, and while still painfully low, inventory is up 3.1 percent year over year and new listings rose year over year for the fourth straight month.

Today’s economic calendar kicked off with mortgage applications from MBA decreasing 5.6 percent from one week earlier. Later today brings the second look at Q4 GDP and January advanced indicators: the goods trade deficit, retail inventories, and wholesale inventories. Three Fed speakers are currently scheduled: Atlanta President Bostic, Boston President Collins, and New York President Williams. We begin the day (an early travel day for me) with Agency MBS prices, the 10-year yielding 4.28 after closing yesterday at 4.32 percent, and the 2-year at 4.67.

Jobs and Transitions

Looking to expand in CA or NV? Licensing in both states is now taking nearly a year. Opportunity for immediate licensing in either or both states. New established small Mini-Corr/Broker shop located in Northern NV for sale. The operation was established by an industry veteran with two immediate family members. Some circumstances with the family have changed and the principal believes it would be better to continue forward becoming a part of a larger entity. The company is licensed in NV, CO, TX, FL, and CA; banking license should be completed within 6 – 8 weeks. If interested, please contact Chrisman LLC’s Anjelica Nixt to forward your note to the owner.

Movement is providing its loan officers, and the agents they work with, a unique way to highlight their impact. Powered by the company’s new proprietary sales and marketing tool MORE, every Movement LO and the agents they closed loans with in 2023 recently received a personalized “Highlight Reel,” featuring an email, web page, and social media content showcasing the work they did together last year and how that work impacted their respective communities. Movement has also released its annual Impact Report, which also looks back on the previous 12 months. Check out all the ways Movement helps its loan officers stand out with unique storytelling, content, technology, and yes, MORE, at MovementLO.com.

New American Funding is pleased to announce the addition of industry leader Mosi Gatling as SVP Strategic Growth and Expansion. Gatling is renowned for her expertise in serving previously underserved communities and her commitment to increasing Black homeownership in the U.S. and will help to reshape the industry’s approach towards minority communities and effect positive change across the mortgage industry.

Download our mobile app to get alerts for Rob Chrisman’s Commentary.

Source: mortgagenewsdaily.com

Apache is functioning normally

February 27, 2024 by Brett Tams

To answer whether a $40,000 salary is good, you need to consider your perspective. For a recent grad in a small town where the cost of living is low, that might be an annual income that pays the bills. But a $40,000 salary is not typically enough for a household to live comfortably in most parts of the United States. To put it another way, a single person can live more comfortably on a $40,000 salary, but a family — with or without children — may find it more difficult.

Rising inflation has made it more challenging to get by on $40,000 in 2022, but this salary is still far above the United States Census Bureau’s poverty threshold for families of up to six people. The $40,000 figure represents earning more than the federal minimum wage ($7.25/hour).

So is $40,000 a good salary? Well, it depends.

Key Points

• A $40,000 salary may be sufficient for an individual in a low-cost area, but it may not be enough for a family to live comfortably in most parts of the US.

• Rising inflation has made it more challenging to live on a $40,000 salary, but it still exceeds the poverty threshold for families.

• Compared to the median household income in the US, a $40,000 salary falls short, but it can contribute to the median household income when combined with a second income.

• A $40,000 salary translates to a monthly income of $3,333.33, a biweekly paycheck of $1,538.46, and a weekly income of $769.23.

• Living on a $40,000 budget requires careful expense tracking, budgeting, debt management, and saving strategies. Location plays a significant role in how far the salary can stretch.

How Does a $40,000 Salary Compare to the American Median Income?

Here’s a look at how earning a $40,000 annual income compares to that of your fellow Americans.

• According to the U.S. Census Bureau, the median household income in 2020 (when data was gathered) just surpassed $67,500.

• More recently, the Bureau of Labor Statistics determined that the median weekly income of a full-time worker (salary or hourly) was $1,037, or nearly $54,000 a year.

While a $40,000 salary falls short of recent BLS definitions of the median personal income, it could successfully contribute to the Census Bureau’s picture of the median household income, when combined with a second income from a domestic partner.

Could this salary be considered good? Consider the following:

• As an individual, you may find that $40,000 is a good entry-level salary.

• Couples living the DINK lifestyle (which stands for dual income, no kids) and who each make $40,000 would be well above the median household income. Plus, they would have the additional costs of raising children as part of their budget.

$40,000 Salary Breakdown

It can be helpful to know what a $40,000 salary translates to as a monthly budget, weekly paycheck, or even hourly rate. This may help you compare career options and budget wisely, not to mention answer that question, “Is $40K a good salary?”

Here’s how it breaks down:

• Monthly income: $3,333.33

• Biweekly paycheck: $1,538.46

• Weekly income: $769.23

• Daily income: $153.85^*

• Hourly income: $19.23^**

^*Based on 260 working days a year
^**Based on 2,080 working hours a year

And remember: That’s before taxes. If you are single and make $40,000 a year, your federal tax bracket is at 12%, but you may also owe state, city, and even school district taxes as well. It’s important to keep that in mind as you plan and assess how to pay bills and save with this salary.

Recommended: What to Do When You Get a Pay Raise: 12 Tips

Can You Live Individually on a $40,000 Income?

It is possible to live individually on a $40,000 income. In fact, you may be able to afford the average monthly expenses for a single person and work on your saving and investing goals.

Your location will have the largest impact on how far your dollars will stretch. Areas with a lower cost of living will likely be easier to afford for an individual on a $40,000 income.

As an individual, you can help your salary go further by looking for ways to save money, like:

• Having a roommate or renting out a room in your house if you own one

• Cooking at home instead of eating out

• Buying a used car or, depending on where you live, relying on public transportation

• Finding a higher-yield savings account, ideally over 1.00% APY

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Best Places to Live on a $40,000 Salary

If you can afford moving expenses and aren’t tied to a specific location for work, you can make your dollars go further more easily in certain locations in the United States. These are places with a lower cost of living. Here are the five cheapest cities to live in the U.S. this year, according to U.S. News:

• Hickory, North Carolina

• Green Bay, Wisconsin

• Huntsville, Alabama

• Quad Cities (Davenport-Bettendorf, Iowa and Moline-Rock Island, Illinois)

• Fort Wayne, Indiana

However, there’s more to moving than just the expenses and the job. Before packing up a rental truck, consider whether you are comfortable leaving behind friends, family, and familiar places.

Recommended: Financial Moves to Make During a Job Transition

Worst Places to Live on a $40,000 Salary

A $40,000 salary might not go far enough in a city with a high cost of living. U.S. News research indicates these are the most expensive cities to live in:

• Los Angeles, California

• Miami, Florida

• San Diego, California

• Salinas, California

• Santa Barbara, California

And if you were expecting to see New York City on this list, don’t worry: It’s not far behind, at number nine.

Tips for Living on a $40,000 Budget

So how can you (and possibly your family) live on a $40,000 budget? It’s important to cut costs, look for deals, pay down your debt, and build up savings for an emergency.

But living on a small salary doesn’t mean you have to completely give up entertainment. Remember that it’s OK to treat yourself to the nice things in life from time to time, as long as they are within reason. Everyone needs some fun in their life.

Here are some important tips for living on a $40,000 budget:

Carefully Tracking Your Expenses

First things first, get an understanding of your current spending habits. Your bank may offer tools that make this easy to analyze or you can download apps or check websites that make this easier.

Consider what bills you have every month, whether they are on auto pay, and, if so, when do they process? (This will help you schedule your bills and avoid getting hit with late fees.) Make a list of all your recurring expenses (mortgage or rent, student loans, car payment, phone, insurance, and utilities), and then analyze how much on average you’re spending on more variable expenses like groceries, gas, clothing, and entertainment.

What can you cut? What bills can you negotiate down? Where can you reallocate money toward savings?

Recommended: 20 Commonly Forgotten Monthly Expenses

Getting on a Budget

Now that you have an idea of what you’re currently spending, it’s time to design a budget around what you should be spending.

Start by plugging in necessary monthly expenses; these are things you must pay for each month, like your home, insurance, and food. Only once you can see that these basic needs are met should you begin to budget for things like dining out or new clothes, also known as wants vs. needs.

Not sure where to start? Do some online research on how to make a budget. There are different techniques including a line item budget and the 50/30/20 budget rule.

Getting Out of Debt

As you consider how to manage daily life on a $40,000 salary, it’s wise to pay attention to the role that debt plays in your personal finances. Mortgage and student loan debt are structured to be paid off over decades, and can be considered by some to be good debt, as the interest rates are often relatively low and timely payments build your credit history. The rates on credit card debt, however, can be high (currently over 20% on new offers and 16% on existing accounts) and therefore more detrimental to your finances (and mental health). If you have serious credit card debt, it is wise to cut back expenses as much as you can so you can focus on paying off your debt.

You can tackle your debt using the snowball method or the avalanche method. You may also consider a balance-transfer credit card or a debt consolidation program, depending on your situation. A debt counselor who works for a nonprofit, like the National Foundation for Credit Counseling (NFCC ), can be helpful as well.

Saving Your Money

If you are debt-free (house, car, and student loan payments aside) and still have wiggle room in your budget after accounting for necessary expenses and a little bit of fun money, you can allocate some of your $40,000 salary toward your saving goals. These might include vacations, a house down payment, renovations, or a wedding. An emergency savings fund is often a good place to start.

Recommended: How to Save Money from Your Salary

Investing Your Money

After you have gotten a handle on your expenses, designed a budget, and opened a savings account, you might consider if there is enough leftover from your $40,000 salary for investing. This may not be possible if you live in a city or state with a high cost of living.

How can you start investing? If your employer offers a 401(k) match, consider taking advantage of that. It’s basically free money, so contribute enough to snag it.

You can also look for automated investing opportunities so you don’t have to worry about building a portfolio from scratch.

Managing Finances With SoFi

If your $40,000 salary is paid via direct deposit, think about opening a high interest online savings account. With direct deposit, you can get an array of perks from our SoFi Checking and Savings account. You’ll spend and save in one convenient place, plus you’ll earn a competitive APY and pay no fees, which can help your money grow faster. What’s more, qualifying accounts can get paycheck access up to two days early.

Make the most of your money with SoFi.

FAQ

Can you live comfortably on $40,000 a year?

Individuals can often live comfortably on $40,000 a year. Families, however, may struggle with this salary, especially in areas with a higher cost of living.

What can I afford making $40K a year?

If you are an individual living on $40,000 a year in an area with a low to moderate cost of living, you can afford typical monthly expenses like food, housing, and utilities and still have enough for some fun expenditures, like entertainment. If you are frugal and build a budget, you may also be able to pay down debt, build your savings, and even invest a little.

Is $40,000 a year considered middle class?

According to Pew Research, a middle-class family of three makes between $56,000 and $156,000. Families of that size who bring in $40,000 a year would not be considered middle class. However, an individual making $40,000 a year would likely qualify as middle class.

Photo credit: iStock/Prostock-Studio

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

SoFi members with direct deposit activity can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Direct Deposit means a deposit to an account holder’s SoFi Checking or Savings account, including payroll, pension, or government payments (e.g., Social Security), made by the account holder’s employer, payroll or benefits provider or government agency (“Direct Deposit”) via the Automated Clearing House (“ACH”) Network during a 30-day Evaluation Period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), and bank ACH funds transfers and wire transfers from external accounts, do not constitute Direct Deposit activity. There is no minimum Direct Deposit amount required to qualify for the stated interest rate.

SoFi members with Qualifying Deposits can earn 4.60% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Qualifying Deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s SoFi Checking and Savings account (“Qualifying Deposits”) during a 30-day Evaluation Period (as defined below). Qualifying Deposits only include those deposits from the following eligible sources: (i) ACH transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.e., external transfers from PayPal, Venmo, etc. and internal peer-to-peer transfers from a SoFi account belonging to another account holder), (iv) check deposits, (v) instant funding to your SoFi Bank Debit Card, (vi) push payments to your SoFi Bank Debit Card, and (vii) cash deposits. Qualifying Deposits do not include: (i) transfers between an account holder’s Checking account, Savings account, and/or Vaults; (ii) interest payments; (iii) bonuses issued by SoFi Bank or its affiliates; or (iv) credits, reversals, and refunds from SoFi Bank, N.A. (“SoFi Bank”) or from a merchant.

SoFi Bank shall, in its sole discretion, assess each account holder’s Direct Deposit activity and Qualifying Deposits throughout each 30-Day Evaluation Period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-Day Evaluation Period refers to the “Start Date” and “End Date” set forth on the APY Details page of your account, which comprises a period of 30 calendar days (the “30-Day Evaluation Period”). You can access the APY Details page at any time by logging into your SoFi account on the SoFi mobile app or SoFi website and selecting either (i) Banking > Savings > Current APY or (ii) Banking > Checking > Current APY. Upon receiving a Direct Deposit or $5,000 in Qualifying Deposits to your account, you will begin earning 4.60% APY on savings balances (including Vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these APYs for (i) the remainder of the current 30-Day Evaluation Period and through the end of the subsequent 30-Day Evaluation Period and (ii) any following 30-day Evaluation Periods during which SoFi Bank determines you to have Direct Deposit activity or $5,000 in Qualifying Deposits without interruption.

SoFi Bank reserves the right to grant a grace period to account holders following a change in Direct Deposit activity or Qualifying Deposits activity before adjusting rates. If SoFi Bank grants you a grace period, the dates for such grace period will be reflected on the APY Details page of your account. If SoFi Bank determines that you did not have Direct Deposit activity or $5,000 in Qualifying Deposits during the current 30-day Evaluation Period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either Direct Deposit or Qualifying Deposits until you have Direct Deposit activity or $5,000 in Qualifying Deposits in a subsequent 30-Day Evaluation Period. For the avoidance of doubt, an account holder with both Direct Deposit activity and Qualifying Deposits will earn the rates earned by account holders with Direct Deposit.

Members without either Direct Deposit activity or Qualifying Deposits, as determined by SoFi Bank, during a 30-Day Evaluation Period and, if applicable, the grace period, will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances.

Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

SOBK0722021

Source: sofi.com

Apache is functioning normally

February 11, 2024 by Brett Tams

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Do You Have ‘Bookshelf Wealth’?

A TikTok home-décor trend has irked some bibliophiles.

This is the look that’s sweeping social media.Credit…Getty Images

Published Jan. 15, 2024Updated Jan. 16, 2024

When it comes to aesthetic trends, social media loves a catchy name.

Cottagecore. Dark academia. Eclectic grandpa.

Now there’s a new entry to the canon: bookshelf wealth.

On TikTok and other digital platforms, there has lately been much ado about people who own a great number of books and — this is critical — have managed to stage them in a pleasing manner.

If you’ve ever seen a Nancy Meyers movie, the look might ring a bell. Warm and welcoming. Polished, but not stuffy. A bronze lamp here. A vintage vase there (with fresh-cut flowers, of course). Perhaps there is a cozy seating area near the floor-to-ceiling display, with an overstuffed couch topped with tasteful throw pillows.

Kailee Blalock, an interior designer in San Diego, posted a video to TikTok last month that sought to define bookshelf wealth and school viewers in achieving the aesthetic in their own homes.

@houseofhive Bookshelf Wealth, what it is and how to achieve it #greenscreen #bookshelfwealth #interiordesign #designtok #2024designtrends ♬ original sound – House of Hive Design Co

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Source: nytimes.com

Indicators of homebuying demand and activity
	Value (if applicable)	Recent change	Year-over-year change	Source
Daily average 30-year fixed mortgage rate	6.92% (Feb. 7)	Up from 6.75% a week earlier	Up from 6.39%	Mortgage News Daily
Weekly average 30-year fixed mortgage rate	6.63% (week ending Feb. 1)	Near lowest level since May	Up from 6.09%	Freddie Mac
Mortgage-purchase applications (seasonally adjusted)		Down 1% from a week earlier; up 3% from a month earlier (as of week ending Feb. 2)	Down 19%	Mortgage Bankers Association
Redfin Homebuyer Demand Index (seasonally adjusted)		Up slightly from a week earlier, but down 7% from a month earlier (as of week ending Feb. 4)	Down 14%	Redfin Homebuyer Demand Index, a measure of requests for tours and other homebuying services from Redfin agents
Google searches for “home for sale”		Down 2% from a month earlier (as of Feb. 3)	Down 16%	Google Trends
Touring activity		Up 16% from the start of the year (as of Feb. 6)	At this time last year, it was up 10% from the start of 2023	ShowingTime, a home touring technology company

U.S. highlights: Four weeks ending February 4, 2024 Redfin’s national metrics include data from 400+ U.S. metro areas, and is based on homes listed and/or sold during the period. Weekly housing-market data goes back through 2015. Subject to revision.
	Four weeks ending February 4, 2024	Year-over-year change	Notes
Median sale price	$361,498	5.4%	Biggest increase since Oct. 2022
Median asking price	$395,949	7%	Biggest increase since Sept. 2022
Median monthly mortgage payment	$2,607 at a 6.63% mortgage rate	11.5%	Down roughly $110 from all-time high set in October 2023, but up roughly $250 from the four weeks ending Dec. 31
Pending sales	68,872	-7.8%	Biggest decline since October 2023
New listings	70,415	6.6%
Active listings	740,834	-3.5%
Months of supply	4.2 months	Unchanged	4 to 5 months of supply is considered balanced, with a lower number indicating seller’s market conditions.
Share of homes off market in two weeks	33.3%	Up from 32%
Median days on market	48	-2 days
Share of homes sold above list price	22.4%	Up from 20%
Share of homes with a price drop	5.5%	+1 pt.
Average sale-to-list price ratio	98.2%	+0.5 pts.

Metro-level highlights: Four weeks ending February 4, 2024 Redfin’s metro-level data includes the 50 most populous U.S. metros. Select metros may be excluded from time to time to ensure data accuracy.
	Metros with biggest year-over-year increases	Metros with biggest year-over-year decreases	Notes
Median sale price	Miami (13.4%) Anaheim, CA (13.4%) Detroit (13.3%) Warren, MI (12.1%) Chicago (11.3%)	San Antonio, TX (-4.7%) Austin, TX (-3.7%)	Declined in 2 metros
Pending sales	San Jose, CA (13.8%) San Francisco, CA (6%) Anaheim, CA (4.5%) Riverside, CA (0.4%) Columbus, OH (0.2%)	San Antonio, TX (-33.2%) Portland, OR (-30.2%) Nashville, TN (-21.5%) New Brunswick, TN (-19.4%) Houston (-18.5%)	Increased in 5 metros
New listings	Dallas, TX (27.1%) Miami (26.9%) Jacksonville, FL (26.3%) Fort Lauderdale, FL (23.6%) San Diego, CA (22.1%)	Chicago (-17.8%) Atlanta (-16%) Milwaukee, WI (-14%) Portland, OR (-13.6%) Nashville, TN (-10.4%)	Declined in 14 metros

Uplift your mood with plants and flowers

1. Refresh your space with blooming branches

2. Breathe life into your home with locally grown flowers

3. Create a lush indoor oasis

4. Choose a variety of plants to add visual interest

5. Start with beginner-friendly plants

Elevate your interior design with a touch of springtime freshness

6. Opt for pastels of vibrant spring hues

7. Choose thoughtful design choices

8. Consider your surroundings for your home’s interior

9. Focus on soft whites and natural elements to create a serene and airy space

10. Less is more when decorating

11. Bring spring indoors with colors, patterns, and florals

12. Brighten your home with clean windows and greenery

13. Freshen up with decor and accents

Create a space made for prioritizing inner peace and happiness

13. Designate a corner for meditation

15. Embrace the practice of sauca

16. Simplify your space

17. Create an energy flow for new opportunities

Declutter and deep clean for a brighter home

18. The 3 magic questions to ask yourself

21. Start with your entryway

19. Conquer the clutter in your closet

20. Utilize the hanger hack

The ultimate home reset this spring: Final thoughts

Step 1: Get a fresh start by decluttering and organizing

Seek permission and compromise

Store winter gear

Aim for progress, not perfection

Step 2: Tidy up your living space

Step 3: Refresh your wardrobe

Practice the one in, one out rule

Shop your closet

Add a splash of color or pattern

Step 4: Integrate spring into your interior design

Evoke the essence of spring

Embrace the power of simplicity

Display one-of-a-kind items that have a deep connection to your roots

Bring nature in

Infuse your space with cheer

Step 5: Brighten up your space with flowers

Use blooming branches for a touch of spring

Choose seasonal and local blooms first

Step 6: Incorporate principles of personal growth

Focus on what you desire to maintain

Create a space where you feel like you belong

Establish tech-free zones in your home

Unlock motivation with the fresh start effect

Step 7: Focus on your emotional well-being with meditation

Create a dedicated space

Invite tranquility and renewal in

Step 8: Bring the outdoors in with plants

Begin fertilizing in early spring

Consider your space and lifestyle

Mix textures and heights

Perfect picks for beginners

Step 9: Find spring-inspired recipes that embody freshness

Embrace green foods

Eat your fruits and veggies

Refreshing your home this spring

Approach credit cards with care

Examine the origins of your credit card beliefs

Set boundaries with loved ones

Celebrate your progress

Pre-Qual, TPO, Lead Gen Tools; STRATMOR on Vendor Relationships; Disaster News; HECM, Ginnie, FHA News

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How Does a $40,000 Salary Compare to the American Median Income?

$40,000 Salary Breakdown

Can You Live Individually on a $40,000 Income?

Get up to $300 when you bank with SoFi.

Open a SoFi Checking and Savings Account with direct deposit and get up to a $300 cash bonus. Plus, get up to 4.60% APY on your cash!

Best Places to Live on a $40,000 Salary

Worst Places to Live on a $40,000 Salary

Tips for Living on a $40,000 Budget

Carefully Tracking Your Expenses

Getting on a Budget

Getting Out of Debt

Saving Your Money

Investing Your Money