Woodlake (Naperville, IL)
By William Piotrowski
(Diamond Residential Mortgage Corporation )
   A 2015 study found that 41% of households headed by someone aged 55 to 64 had no retirement savings, and only about a third of them had a traditional pension. Among households in this age group with savings, the median amount was just $104,000.1Your own savings may be more substantial, but in general Americans struggle to meet their savings goals. Even a healthy savings account may not provide as much income as you would like over a long retirement.Despite the challenges, about 56% of current retirees say they are very satisfied with retirement, and 34% say they are moderately satisfied. Only 9% are dissatisfied.2Develop a realistic pictureHow can you transition into a happy retirement even if your savings fall short of your goals? The answer may lie in developing a realistic picture...
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
How to Work Smart 1. Make the most of those little slots of time – a free fifteen minutes here and there. You can accomplish a lot in those extra lost minutes. 2. Make your work place comfortable and inviting. For example, have an inspiring bookshelf, light a scented candle, put up a few crazy, fun photographs. ... 3. Make every effort to enjoy the journey – and remind yourself of the arrival fallacy (arriving at your goal is usually a letdown, and doesn’t bring the joy we thought it would bring.) 4. Don’t be afraid of criticism as it can help you to learn and grow. Dreading it too much creates anxiety which them prevents you from producing your best. 5. Recognise that we rarely feel happy when we’re working as we’re bound to struggle with incompetence, failure, frustration and feeling...
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
 7 Rules of Life1. Make peace with your past so it won’t screw up the present.2. What others think of you is none of your business.3. Time heals almost everything; give it time.4. Don`t compare your life to others`, and don`t judge them. You have no idea what their journey is all about.5. Stop thinking too much; it`s alright not to know the answers. They will come to you when you least expect it.6. No-one is in charge of your happiness, except you.7. Smile. You don`t own all the problems in the world.Source: Whisper of the heart.
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
  Coldwell Banker Real Estate and CNET Survey Finds Americans Ready for the Smart HomeThe smart home is here to stay. A survey of U.S. adults by Coldwell Banker Real Estate LLC and CNET found that Americans are already embracing the smart home, with 28 percent owning at least one smart home product and almost half of millennials (ages 18 to 34) adopting the technology. “Smart home technology is catching on because it is literally changing the way we live in our homes,” says Sean Blankenship, chief marketing officer for Coldwell Banker Real Estate LLC. “Not only is it shifting the financial perception of the home, but it’s also transforming our emotional connection to our homes.  We have entered a transformative era.  We believe that in three to five years, homebuyers will expect smart h...
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
Stop Procrastinating; Do It Now!   Whether it's filing your taxes on time, paying your bills, cleaning out the garage, or getting out of bed to exercise, everyone tends to procrastinate once in a while. It has been said that Robinson Crusoe is the only person to have all of his work done by Friday. Are you the type of person who tackles projects head on and gets tasks done right away, or do you tend to procrastinate and put things off? The habit of procrastination is an attractive form of self-sabotage and is the grave in which opportunity is buried. Procrastination can take a toll on all aspects of your life and has a significant impact on your mental and physical health. The habit of procrastination brings with it a whole host of overwhelming, negative emotions such as increased stre...
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
How to Get Over Past Mistakes1. Remind yourself that everyone makes mistakes, does things wrongs, and has moments of regret. There are no perfect people out there. In that sense, you are just the same as everybody else.2. Remind yourself that “that was then, and this is now”. You can’t turn back the clocks and change what you did, but you can be a different person in the future.3. Allow yourself to experience and name the feelings you are struggling with (regret, guilt, shame, disappointment, embarrassment, sadness, etc.) – then make the decision to let those feelings go. In the end, it’s unhealthy to become attached to them.4. Ask yourself what you can learn from the situation. What would you do differently if you found yourself in that situation again? How can it change the person you...
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By William Piotrowski
(Diamond Residential Mortgage Corporation )
 Successful Interview Tips1. Before applying for a job, find out as much as you can about it – and make sure it’s something you want to do!2. Also, find out what you can about the interviewers. For example, what are their names and job titles? What other jobs have they done in the past? You can often uncover a lot of information by simply googling peoples’ names and positions. 3. Try and find out about the company’s normal interviewing style. For example, is it likely to be one-on-one interview, or will you be interviewed by a couple of people, or will there be an interview panel? Also, will you be required to sit any kinds of test (general knowledge, case studies, IQ tests etc.)? 4. If possible, connect with others who have undergone a similar interview. Ask them for tips and ideas – o...
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Naperville, IL Real Estate Professionals