Adirondack Country Homes Realty - Adirondack real estate specialist

      Adirondack Country Homes Realty, Inc.

  Serving the "Entire" Adirondack Park with offices at:

         Schroon Lake Region (Main Office):  PO 488, 1098 US Route 9, Schroon Lake, NY * 518.532.7900

         Gore Mountain/Lake George:  295 Main St., North Creek, NY 12853  *  518.251.2194

         Greater Glens Falls Region:  462 Glen Street, Glens Falls, NY 12801 *  518.761.7900

         High Peaks Region Route 9, North Hudson, NY  * 518.532.7900

         Lake Champlain Region/Port Henry:  By appt., Port Henry, NY 12974 * 518.569.8504

         Lake Champlain Region/Willsboro:  Essex Street, Willsboro, NY * 518.963.8181

          Lake Placid Region: 8 Morningside Dr., Lake Placid, NY 12946 * 518.523.2334

         Speculator Region:  Route 30, Speculator, NY * 518.548.7900

         Northern NY Region:  788 St. Regis Ave, Bloomingdale, NY * 518.891.4609

 

      

 

 

 

 

 

 
How to Multiply Time
by Certifund Financial
 
 
   
 

"Success is the ability to go from failure to another without the loss of enthusiasm"

Sir Winston Churchill

Key Rate Indicators
Index Current 6 Mo. Prior 1 Yr. Prior
Prime 8.25 8.25 8.00
3 Month Libor 5.36 5.36 5.33
Fed. Reserve 5.25 5.25 5.00

Mortgage apps up after 3-week fall

 

U.S. mortgage applications rose for the first time in three weeks even as interest rates surged to their highest level since mid-2006, an industry group said Wednesday.

The Mortgage Bankers Association said its seasonally adjusted index of mortgage applications for the week ended June 8 increased 6.6 percent to 666.5.

 

Borrowing costs on 30-year fixed-rate mortgages, excluding fees, averaged 6.61 percent, up 0.26 percentage point from the previous week, its highest level since the week ended July 28, when it stood at 6.62 percent.

Interest rates were exactly where they stood a year ago.

 

The MBA's seasonally adjusted purchase index rose 7.2 percent to 464.7. The index was above its year-ago level of 414.6. The purchase index is considered a timely gauge of U.S. home sales.

The group's seasonally adjusted index of refinancing applications increased 5.6 percent to 1,854.8.

 

-Reuters--

How to Multiply Time

Here are six powerful methods that I've used to save time and build an effective organization. They've worked for me, and they'll work for you no matter what you're doing.

 

1. Avoid flameout. Understand that there are two entirely different kinds of time. The first is opportunity time, during which you achieve your career goals. The second is replenishment time, during which you rebuild your strength through exercise, recreation, relaxation, and sleep.

Flameouts happen to the people who never get the hang of switching from opportunity time to replenishment time. Unless you learn how, you'll run like a jet engine — until you run out of fuel. Then the flame goes out, your power shuts off, and you drop like a stone. Highly productive people by the tens of thousands suffer flameout, and they often lose several years as a result. Some quench their flames so thoroughly that they never manage to get their engines going again.

The dangerous part is that flameout sneaks up on you. Don't try to fly high when your tanks are low. Touch down and refuel your spirits — spend a few days away in a completely different atmosphere from your workday world.

When you're in the midst of opportunity time, get tough about it. It's amazing how much of our working life gets eaten up by trivial interruptions unless we're determined not to let that happen.

2. Get rid of busy work. This is the usually pointless stuff that you like doing because it's easy, and doing it makes a marvelous excuse for not tackling the hard things you should do. If you're a winner, you always have time for the tough end of your job that produces the results — it's the easy stuff that you don't find time for. You find someone else to do the easy work that needs doing.

3. Always jump on the most important thing first. What is the most important thing that you should do right now? It's easy to figure out the answer — the most important thing is usually the item you least want to do. So jump on it. Get it out of the way. Then go on to the next thing you don't want to do and get rid of that item by completing it.

Start doing this every morning, keep on doing it, and you'll soon discover that you're not worrying so much any more. You're enjoying the work, you're feeling good about yourself, and you're winning. If you want success, start getting the most important things about your job out of the way first every morning.

4. Touch it once. This isn't a new idea. In some form or other, it's an important part of every good system for digging out from under paperwork. If you'll take final action on every piece of paper that you touch on your desk, you'll be amazed at how quickly the mountain of paper choking your in-basket will melt away. Getting things done doesn't mean taking a whack at one thing after another and leaving them all undone. One thing completed is an accomplishment; ten things glanced at is a nothing.

Some people spend day after day rotating the papers from one side of their desk to another. If anything, the heap of paper just gets larger and larger as new stuff comes in. Finally, the day comes when it all gets thrown out, important things with useless trash. Then the party who just lost that paper battle (unless he/she's been replaced by someone more efficient) immediately starts building another great heap of paper. What does that heap of indecisions say to anyone coming near? “Beware — somebody is working hard at doing nothing here.”

The way out is to say, “This challenge is going to get settled now. I'm returning the call right now. I'm finalizing everything I can. I'm getting my desk clean so I can handle even more opportunities.”

5. Throw it away if you don't need it now. One of the most efficient people I've ever known uses that saying as his motto. One day I was in his office and had a chance to observe his working methods closely. My friend keeps his desk clear at all times so that he can concentrate on just one item at a time, and he actually does throw a lot of things away that aren't needed at the moment.

 

But this man's definition of what he needs now includes keeping up an extensive and well-organized file of catalogs and other material that he can refer to quickly. Since he knows where he's going, he knows what he needs to keep. It all starts with a clearly defined set of goals, and that he has.

Use this self-instruction to get and keep yourself on track with getting the most out of your time:

“I'm tough about my opportunity time. Nobody fritters it away. And I don't fritter my own opportunity time away doing busy work or engaging in unnecessary activities. But I'm loose about my replenishment time. I really kick back and relax when needed to avoid flameout.”

Newsletter information provided by Tom Hopkins International

 

Visit:  Certifund.com 

Certifund.com is a full service mortgage solutions provider, approved with numerous lending sources throughout the state.  Todd provides conventional, non conforming, jumbo and FHA loans.  He assists customers with great credit, bad credit and no credit.  Todd also assists individuals who are self-employed and require both full documentation and no documentation loans. He assists individuals & professionals with their financing needs whether buying, selling or refinancing real estate.   If he can be of assistance, email him directly tcollins@certifund.com. To be added/removed from this distribution list,  email jriccio@certifund.com.  Your request will be immediately honored.

  Contact Information: Direct Phone: 518.587.7700  | Fax: 775.361.1862 | E-mail jriccio@certifund.com

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