Personal success is built on the foundation of character, and character is the result of hundreds and hundreds of choices you make that gradually turn who you are at any given moment into who you want to be. If that decision making process is not present, you'll still be somebody. You'll still be alive, but you may have a personality rather than a character, and to me that's something very different. Character isn't something you were born with and can't change, like your fingerprints. It's something you must take responsibility for forming. You build character by how you respond to what happens in your life, whether it's winning every game, losing every game, getting rich or dealing with hard times. You build character from certain qualities that you must create and diligently nurture ... 07/25/2014

Protest any unjust negatives such as late payments, collections that are not yours, and any items not reported as paid as agreed if you paid them on time and in full. Protest items listed as unpaid that were included in a bankruptcy, and items older than seven years, 10 for bankruptcy. Focus first on the larger, newer negatives listed on the report. Don't worry about smaller items like incorrect address information or an old employer listed as current unless there's the possibility of identity theft or the file is mixed with someone else’s. This is certainly not an all-inclusive list, but it's a great start for clients needing to focus on their scores before attempting to get pre-approved and purchase a home. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist ... 07/25/2014

Paying revolving credit cards down is generally more beneficial than paying down student, mortgage or auto loans. Always leave a 30 percent or higher gap between what you owe on the card and the card's limit. Lenders look for this minimum gap, use cards with care even if you pay off balances each month, depending upon statement dates, the lender may see big balances. Pay down the cards closest to their limits first for speedier credit repair. The lending bank will then see the gap it wants to see. Do not ask a creditor to lower credit limits. Generally, carrying smaller balances on several cards is better than one large balance on one card. Check your credit card limits to make sure the report is correct. Limits may not be reported on all cards. Never make a late payment on credit cards... 07/25/2014

A home buying poll released by TD Bank revealed that 64% of women believe homeownership is essential in defining the American Dream.  In comparison only 52% of men felt home buying is important. In pursuit of the American Dream, the survey also found women aren't willing to give up on success in other areas of their lives. According to the poll, women consider family and children (60%) and a stable career (59%) to be essential parts of the American Dream. As the home buying market continues to stabilize, our survey tells us that Americans, and women in particular, are looking into home buying. What women deem most essential in defining the American dream are home ownership, a stable career and having a family/children. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying ... 07/25/2014

According to a home buying survey poll conducted with 1,300 consumers across the U.S. by TD Bank; the main reason people sell their home and move to a bigger, more expensive home is a growing family. For those that intend to sell their current house and purchase a larger one, just as many women say that space is as important a factor as those who note the features of their home. 58% of women cited this as the primary reason, where only 32% of men did. Half of current female homeowners reported their first home buying experience was between the ages of 25-34. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Ida... 07/25/2014

1. Get plenty of sleep 2. Eat balanced meals and avoid eating junk food.  3. Drink plenty of water and avoid nicotine, excessive caffeine and other stimulants.  4. Avoid drinking alcohol in excess.  5. Learn to make decisions quickly and let go of the need to over-analyze everything.  6. Express your feelings appropriately and don't bottle up your emotions. 7. Avoid trying for perfection and don't sweat the small stuff.  8 .Maintain a positive mental attitude by utilizing affirmative self-talk.  9.  Stop worrying so much and look at situations more optimistically.  10. Smile and laugh frequently throughout the day, don't take yourself so seriously.  11. Mix leisure with work; take breaks and get away when you can.  12. Make a point to spend quality time with our friends and family.  13.... 07/25/2014

The typical REALTOR earns 19% of their business from past clients and customers last year which is consistent from the prior year.  Repeat business from the prior year also held steady at 20%. Repeat business is more common among REALTORS with more experience and a median of 16 years. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts 07/25/2014

From: Jeff Ray [mailto:jeffray100@gmail.com] Sent: Saturday, July 12, 2014 11:01 AMTo: Boyle, SuziSubject: Re: Impact of appraisal?  Great. Thank you for your reply on a Saturday! You are the most on-the-ball person Sheila and I have dealt with in a long time, Suzi.  Maybe ever! Thank you.  Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts. 07/13/2014

3 Bedroom Tuscany Messina Meadows Meridian ID Home. Stunning, hand-crafted wood beams, granite counters and hardwood floors adorn this incredible home. HOA includes all exterior yard maintenance. BTVAI. Call Justin Hubble (208) 941-6175 to personally show you this 3 Bedroom Tuscany Messina Meadows Meridian ID Home. 2873 E DEERHILL Meridian, ID 83642 3 Bedroom Tuscany Messina Meadows Meridian ID Home Price : $219,900.00 Bedrooms : 3 Bathrooms : 2.50 Square Foot : 1,896 Lot Size : 3,920 sq.ft. Community : Tuscany Messina Meadows County : Ada Property Type : Single Family Year Built : 2008 MLS Number : 98547085 click for more information and pictures Property Description 3 Bedroom Tuscany Messina Meadows Meridian ID Home. Stunning, hand-crafted wood beams, granite counters and hardwood flo... 06/25/2014

View Homes for Sale in Brookside Square 06/23/2014

Is retirement in your near future?  Check out Forbes' top ten list of American Suburbs for retirement: Top Ten Suburbs For Retirement Our own Meridian, ID made the list.  This is no surprise to this Idaho native.  Meridian offers affordable housing close to downtown Boise, shopping and recreation.  Moving to a new area can be scary when you are searching for a home and don't know the culture of each of the suburbs.  For a retiring couple, Meridian offers many parks, golf courses, an array of shopping within short driving distance, security of a safe environment and a brand new senior center!  2014-06-18 5:57 06/18/2014

3 Bedroom 2.5 Bath Paramount Sub Meridian ID Home. Upgrades everywhere! Stunning two-story Energy Star home. Upstairs has two bedrooms, full bath and media room. Soaring ceiling in Great Room provides ample light. This 3 Bedroom 2.5 Bath Paramount Sub Meridian ID Home features Granite countertops in Kitchen and Master Bath, Beautiful Kitchen, with SS appliances, custom cabinets and large island. Plantation Shutters, Private low maintenance backyard with pet turf, fire pit and covered patio. Call Alei Merrill Gothberg 208-573-1619 to view this 3 Bedroom 2.5 Bath Paramount Sub Meridian ID Home. 739 W Producer Meridian, ID 83642 3 Bedroom 2.5 Bath Paramount Sub Meridian ID Home Price : $349,900.00 Bedrooms : 3 Bathrooms : 2.50 Square Foot : 2,825 County : Ada Property Type : Single Family ... 06/12/2014

Homes for Sale in Paramount Subdivision in Meridian Idaho  Looking for homes for sale in Paramount Subdivision in Meridian Idaho? There are few available. This area has some beautiful homes in a great central location. Paramount Subdivision is a few minutes from everything you need to enjoy your Idaho lifestyle!Just minutes to downtown Meridian, Boise or downtown Eagle. Paramount Subdivision in Meridian Idaho is the crossroads of the valley. You can get anywhere quickly from these homes for sale.  There is an on-site elementary school, high school and middle school. With planned social events, community center, pools, parks, playgrounds and open fields nearby, Paramount Subdivision in Meridian Idaho offers plenty in terms of community relations. As they say "It’s more than a neighborhoo... 05/23/2014

New Home Listings in Solitude Place Sub in Meridian Idaho Total of 8 New Home Listings for the Month of May available in Solitude Place in Meridian Idaho. Listing prices Range from the mid 100k to just under 300k. Price per square foot $102. Solitude Place Sub in Meridian Idaho has a home for everyone! Plans from 1,400 to 4,400 square feet. 3 to 5 bedroom options available! Current Available New Home listings in Solitude Place Sub in Meridian Idaho: 4473 N Conner Way  (Proceeds go to Boise Rescue Mission!) 138 E Havasu Falls Ct 310 E Copper Ridge St 333 E Havasu Falls St 289 E Havasu Falls St Call me 208.794.4963 for any questions on New Home Listings in Solitude Place or any Real Estate questions. Find your new home at www.GinaBrocke.ValuedAgent.com Thanks for reading my post on New Ho... 05/06/2014

Open House 3 Bedroom 2.5 Bath Sageland Meridian ID Home. Awesome location! Gorgeous Sageland Sub 3+2.5 in Meridian. Beautiful craftsman style home. This creative plan features a front porch, a covered patio, wood wrapped windows, low-E high performance glass, tile stone accents, crown moulding, & so much more! Large 2nd level loft is open to the foyer below. Did I mention the Open House? This 3 Bedroom 2.5 Bath Sageland Meridian ID Home features a Laundry room upstairs.Open House Saturday May 3rd from 3-6pm - Enter our free drawing for $25 gift card! Please stop by the Open House or call Julene Webb 208.972.3598 to personally show you this 3 Bedroom 2.5 Bath Sageland Meridian ID Home. 1648 E Sagemoor Meridian, ID 83642 Open House 3 Bedroom Sageland Meridian ID Home Price : $189,500.00 B... 05/01/2014

2014 Parade of Homes in Red Tail Subdivision in Meridian Idaho. Hey guys, just wanted to give you guys an update on the 2014 Parade of Homes in Red Tail Subdivision in Meridian Idaho. The Homes are beautiful, don’t forget to check them out! 34065 Andros Way by Stacy Construction represented by Nick Koontz/ Molly Henrie of Silvercreek Realty Group 490 E Boardwalk Row Drive by Core Building Group represented by Nick Koontz/ Molly Henrie of Silvercreek Realty Group 3406 S Andros Way by Tresidio Homes represented by Nick Koontz/ Molly Henrie of Silvercreek Realty Group If you guys have any questions on the 2014 Parade of homes in Red Tail Subdivision in Meridian Idaho, give me a call  or send me a text at 208.447.9575 or email me at JlunaREALTOR100@gmail.com. Or if you have any questions o... 04/24/2014

Treasure Valley Easter Egg Hunts! Looking for a different way to celebrate this Easter weekend?  Hop on over to one of the many egg hunts planned throughout the valley this Saturday, April 19th! Eggstravaganza: 10a-12p  Cathedral of the Rockies        Egg Scramble Ages and Times:       * Toddlers ~ 10:35 to 10:45       * Ages 4-5 ~ 10:50 to 11:00       * Ages 6-8 ~ 11:05 to 11:15       * Ages 9 and up ~ 11:20 to 11:30       Other activities include:  Craft stations,  Sugar cookie decorating,  Photo opportunity Easter Eggstravaganza: 10a First Baptist Church Boise, 607 N 13th St. Boise, ID 83702                 *children 4th grade and under, age specific hunt every 30 min                 *inflatables, games, food, face painting, cotton candy, popcorn, door prizes All Ability Easter Egg ... 04/17/2014

4 Bedroom 2.5 Bath Estancia Meridian ID Home. RV Parking. Garden Tub in Master Suite. Rounded corners throughout. Community park is just across the street of this 4 Bedroom 2.5 Bath Estancia Meridian ID Home ! Schools include: Siena Elementary, Lake Hazel Junior High, and Mountain View High School. Mark Barnard with Keller Williams 208-724-9686 to personally show you this 4 Bedroom 2.5 Bath Estancia Meridian ID Home . 1877 E Melwood ST Meridian, ID 83642 4 Bedroom 2.5 Bath Estancia Meridian ID Home Price : $210,000.00 Bedrooms : 4 Bathrooms : 2.50 Square Foot : 2,299 Lot Size : 7,841 sq.ft. Community : Estancia County : Ada Property Type : Single Family Year Built : 2008 MLS Number : 98550709 click for more information and pictures Property Description 4 Bedroom 2.5 Bath Estancia Meridi... 04/14/2014

If you're a first time home buyer, the big challenge is saving up enough money for the down payment.  Financial experts tell us you need to take aggressive steps to cut spending, add income, or do both. Here's some tips to help you: ·         Set a goal and timeline. Find out the price range of the type of home you want in the area you like, and talk to a Mortgage professional to get an idea of the down payment you will need. Then, set a timeline of how much you need to put away each month to save this amount. ·         Open a separate down payment savings account. This keeps the money separate and makes it easy to track progress. The experts say that when you're saving for a short term goal, put the money in a low-risk investment such as a savings account or a CD. Shop around for the b... 04/05/2014

4 Bedroom 2 Bath Sundance Sub Meridian, ID Home. Looking for a move in ready home? Look no further. This home is very clean and well cared for. This 4 Bedroom 2 Bath Sundance Sub Meridian, ID Home single level with upstairs bonus room features a bright open kitchen that flows into the dining area and great room. New carpet throughout the main level. Walk-in closet in master. This 4 Bedroom 2 Bath Sundance Sub Meridian, ID Home. Large back yard is fully fenced and beautifully landscaped. Walking distance to community park and pool. This home is serviced by Rocky Mountain High School, Heritage Middle School, and Prospect. Call Tylor Conley 208-440-0634 to personally show you this 4 Bedroom 2 Bath Sundance Sub Meridian, ID Home. 410 E Santiago Drive Meridian, ID 83646 4 Bedroom 2 Bath Sund... 02/26/2014