McDonell Homes Realty
Beccie McDonell, Broker
850-3062
Dear Clients, friends and family,
Hard to believe it is December already! Year in Review, here is just a few things
that stick in my mind.
Obamacare - (Affordable
Health Care act)
Government
(shutdown)
Deficit ( it is
still growing)
Food ( I love pintrest, it's a great storage site)
Gardening (I love the drip system Jim has put in, it has
cut my weeding by 2/3rds)
Music ( I still like the old stuff like Nora Jones)
Acts of Kindness - Jesus (Is still alive in America, just
saw in today's news someone in his name is leaving large tips all across American
- so far to date it is $54,000
Planning on Buying a home in 2014
Start Planning Now!
With big changes coming to the
mortgage industry at the beginning of next year, many consumers will want to
evaluate their home buying plans. Regulations drafted by the Consumer Financial
Protection Bureau will change the definition of a qualified mortgage for any
loan applications received on and after Jan. 10, and many consumers may find
themselves unable to meet the new requirements. That is the short story folks, if you are on the
fence - get off it! Get a hold of your
lender now to check your options!
Qualified mortgages are loans that meet certain standards designed to ensure that borrowers are highly likely to be able to pay back the amount in question. Facing this challenge, it's up to the hopeful homeowner to improve their chances of mortgage approval by doing the necessary research, improving their credit profiles and meeting the qualified mortgage standards well in advance of filling out loan applications.
Qualified mortgages are loans that meet certain standards designed to ensure that borrowers are highly likely to be able to pay back the amount in question. Facing this challenge, it's up to the hopeful homeowner to improve their chances of mortgage approval by doing the necessary research, improving their credit profiles and meeting the qualified mortgage standards well in advance of filling out loan applications.
http://www.youtube.com/user/RotoRooterTV?v=AqN7gWSh0lc This is a great site!
Early this summer our dishwasher died because we live out in the
country and are on a well, which gives us very hard water. Hard water is very
hard on dishwashers. So all summer I did due diligence in regards to trying to
find a "good" dishwasher. I
discovered that a few years back they took the phosphates out of dishwashing
soap. So long story short, we bought a
Maytag DW with a water temp booster!
Really ups the temp of the water.
Love it! I will give it a four star ****.
Ways to get thru WINTER SO many People had their pipes
freeze up here in the Boise
Valley, we will want to
get ready before that cold snap is here again.
Close the foundation vents or cover with plywood.
If you live in an older not well insulated home, leave the
sink and bath tub faucets on a slow trickle, to keep the pipes from freezing.
Leave the cabinet doors open to these sink pipes.
Do not turn your heat below 60 degrees
Take a
YOGA or exercise class Yoga was very hard for me to begin
with. Age does not make a
difference. Breathing was and still is
at times difficult, during this class. I
have become a better breather, more flexible, stronger, and I am finding much
better balance. My spine and joints are
also more healthy.
"A Happy Spine is a
Happy Mind"
Protect
your Health - 5 Diet Reminders
1. Load up on fruits and veggies - this has been easy
2. Choose better fats - plant base - easy
3. Drink Water - Not Lattes
4. Eat More Fiber - fruits, veggies, whole
grains, beans - easy
5. Keep portions in check - single service
portion only - I use a small plate - challenging,
unless I eat every two hours so I don't get hungry
6. No snacking after 6 pm - This has been hard for us - we do have tea and that water
7. No sugar, white flour or white rice - Very challenging because I have a sweet tooth. But I have come up with some really good low
carb recipes
And read good Books - This year we made it
through Atlas Shrugged.
Beccie's
Low Carb Apple Pie
2 cups blanched almond flour
1/4 tsp sea salt
2 Tblsp coconut oil
1 egg
4 apples, cored and sliced
stevia and cinnamon
butter
1.
Place flour & salt in food processor and pulse briefly
2.
Add coconut oil and egg and pulse until mixture forms a ball
3.
Use fingers to press dough into a 9" pie dish
4.
Bake at 350 degree for 5 min.
5.
Put in one layer of apples, lightly cover with stevia and cinnamon and
small dabs of butter, do the same 3 more times - it should be domed above the
rim. It will cook down
6.
Then I cook at 350 degrees for
30-45 minutes. Until the crust is
looking nicely browned and the apples are tender when poked with a fork.
You can serve with real whipping
cream or ice cream. We use whipping
cream to stay low carb.
Jim really likes this pie.
$109,900 in Boise on Biggs St., This home features 2 bedrooms,
lots of hardwood floors, RV parking with a large irrigated lot. Very Clean!
Merry Christmas to All,
Beccie McDonell , Broker 850-3062
McDonell Homes Realty
