Written by Marelisa Fábrega who blogs at http://abundance-blog.marelisa-online.com
Young Couple Buys Ranch with Government Money
Kirk and Tina had a dream. They wanted a ranch of their own. But with the rising cost of land and the demands of raising three young children, the possibility of realizing their dream often seemed remote.
Kirk, 29, grew up on a ranch. He earned a degree in Agriculture, and now works for a construction company.
Tina teaches Spanish at their local high school in South Texas.
From the time they got married, they had their eye out for available ranchland. They investigated financing, and they learned they would need a down payment of at least ten percent.
Most area banks required twenty percent. On top of the purchase price, they would need to finance any improvements, equipment, and livestock. If the property they selected didn’t have a home already built on it, they would need to finance construction of a house. Despite the apparent obstacles, they never gave up hope.
Tina spent months researching on the Internet. She followed up on every lead for ranches and financing. Finally, she came across a reference to a program of the U.S. Department of Agriculture, through the Farm Service Agency. The program, called the Direct Farm Ownership Program, is designed to support and encourage people just like them to settle in rural areas and either farm or ranch, or both.
Immediately, Tina contacted FSA and they completed an application. In order to qualify for the funding, they first had to be rejected by conventional funders.That part was easy. Tina simply explained her need to local banks, and they wrote her a letter verifying she would not qualify under their guidelines.
Although the program is available to all Americans, there is a set-aside of funds earmarked especially for minority applicants. Because Tina is Hispanic, they qualified under the set-aside, and were approved in the summer of 2003. With a guarantee of funding, they began looking in earnest for the ranch of their dreams. Through one of those strokes of perfect timing, they learned from friends of a ranch that was soon going to be put up for sale, but had not yet been listed.
The ranch was 140 acres, and included a frame house. The house had been built in the 1930′s, then added onto twice. It had fallen into some disrepair, but it was in good enough condition to merit renovation. Three middle-aged siblings had inherited the property upon the deaths of their parents. None of them lived close enough to the ranch to want to keep it, but they had grown up there, and they wanted it to go into the hands of a family. They quickly accepted Kirk and Tina’s offer.
Working closely with helpful staff officers at the Farm Service Agency, Tina and Kirk structured their financing into two loans. They used the acquisition loan to buy the property and finance a portion of the repairs on the house. That loan had a term of forty years, at an interest rate of 3.75%. They also took out an operational loan for seven years at 5.25%. The second loan financed the remainder of the renovation of the house, as well as fence repair and the purchase of cattle and equipment. No down payment was required for either loan, although the couple did put down some earnest money and paid a portion of the cost of the survey.
When they closed on the property, the real work began. They made the money stretch by doing a substantial portion of the repairs on the house themselves. Kirk’s construction skills, and his relationship with vendors, were a definite benefit. Everyone in the family, including the children, helped with the renovations. Tina sums it up, “Essentially, we just gutted the house and rebuilt it from the studs out.”
That work took several months, but finally, in September 2004, the family moved into their new home. For all three children, life on a ranch is a wonderful adventure. They have room to roam, and opportunities to make a real contribution to the family as they help their parents put things in order.
Joseph, now 12, is working on business ideas of his own. He plans to participate in a youth business opportunity program of FSA, which allows young people from ages 10 to 20 to borrow up to $5,000 to start a business. And Tina’s father has taken responsibility for one field, where he has already planted a large garden to keep the family in vegetables. Tina laughs, “He’s out there all the time on the old tractor that came with the house. He’s having so much fun.”
Meanwhile, Kirk has rebuilt some of the fences on the property, and has moved his three horses into their new home. His pride in their ranch, and in his wife, is evident as he talks about their new life. “You know, I’m the one who knows about ranching, and cattle and horses. We can make this a wonderful place. But it never would have happened if Tina hadn’t been so determined, and gone out and found this program.”
To learn much more about government grants and programs, get a copy of our Free Grant Tips at http://GrantMeRich.com.
Young Couple Buys Ranch with Government Money
This article is condensed from New American Land Rush: How to Buy Real Estate with Government Money, by Jillian Coleman Wheeler (c) 2004. For more information, to go: http://www.NewAmericanLandRush.com
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When the First Couple Conflict is International News – How Does a Marriage Survive a Loss of Trust?
How would you feel if your husband created a beauty pageant to fill job openings at work? The Italian Prime Minister and his scorned wife are rebuking each other in the media over this real-life soap opera. Will the Premier’s roving eye cost him his job? His marriage? Find out how any marriage can survive a loss of trust when couples take four bold steps.
How the trust was lost:
Italy’s 72 year old prime minister, Silvio Berlusconi, recently enraged his second wife, 52 year old Veronica Lario, when he attended the 18th birthday party of an underwear model. His First Lady told reporters that he’d never attended the 18th birthday parties of his own children.
When the newspaper owned by the Italian Prime Minister featured large color photos of eight young, attractive women who were being considered as candidates in the June election for the European Parliament in Strasbourg, France, the First Lady denounced her husband in the media once again.
In 2007 she had publicly criticized the Prime Minister after he praised the beauty of a former showgirl whom he named equal opportunities minister.
Will the Italian Prime Minister lose his job for promoting beautiful women with no political experience?
According to a recent New York Times International report, there seems little doubt that the popular Prime Minister will defy the political death he would have suffered in almost any other country.
What happens to his marriage, or any marriage that suffers from a loss of trust?
Dr. Mark Goulston, author of Six Secrets of A Lasting Relationship (Putnam, 2001), counsels couples to repair the emotional damage caused by the loss of trust from an affair or betrayal when they take four bold steps known as the Four R’s:
If you want to heal the hurt your behavior has caused, your partner needs to see and feel your genuine remorse. Look them straight in the eyes and say how sorry you are for the pain you have caused. Do not follow your apology with an excuse or “but it wouldn’t have happened if you hadn’t…”
The best restitution is for you to let your partner verbally vent every bit of anger, disappointment and hurt that your behavior caused. You need to stand there and listen and take it without defending yourself. This outpouring of emotion and negativity will help satisfy your partner’s need for revenge and help clear the air so you can move on to the next step.
Your partner’s hesitation to trust you again needs to see you rehabilitating yourself. You need to learn how to cope with issues in your life or marriage without resorting to your hurtful behavior. You also need to reach the point where you actually favor your new and improved way of handling issues if you want to reach the final step.
4. Request for Forgiveness
Your partner’s resentment needs you to request forgiveness. Make this request only after you’ve built up a track record of remorse, restitution and rehabilitation. Forgiveness is something that must be earned.
Dr. Goulston makes one final point. If you request forgiveness and are not forgiven, even after a solid track record of remorse, restitution and rehabilitation, you are no longer unforgivable — your partner is unforgiving.
Many health practitioners believe that un-forgiveness is the root cause of most disease. Taking these four steps may enhance your health and your relationship. I wonder how the First Couple of Italy will respond to this news?
When the First Couple Conflict is International News – How Does a Marriage Survive a Loss of Trust?
And if you’d like to see how author Hadley Finch and her savvy friends bring out the best in each other and create healthy relationships, you may follow their romantic adventures in the novel, TRIBE OF BLONDES.
Not a hair color, it’s a resilient hopeful spirit that unites us and fuels our passionate choices and personal triumphs.
The novel is inspired by Hadley’s dating adventures on three continents after her long marriage ended in divorce. It reveals secrets to help you survive a break up, start a new life and love again in the spirit of the TRIBE OF BLONDES. The novel is available in your favorite book store or on amazon.
You may follow host, Hadley Finch, in weekly episodes of A COURSE IN DATING MIRACLES and TRIBE OF BLONDES POW WOW SHOW–Your guide to healthy relationships and lasting love, when you visit http://www.tribeofblondes.com.
My Favorite Anxiety Ending Affirmation:
I am so happy and grateful now that I am living an anxiety and panic free life and am radiating with confidence!
How to Use Power Affirmations
What is the most effective way to use Power Affirmations? Here are a few suggestions.
Pick one or two affirmations and begin using them immediately. Do not wait until you create the perfect affirmations for your specific situation before you start using them. The future is now. Procrastination is the killer of success. Immediate action creates momentum. Repetition of positive thought sustains it. Do not base your choice by whether or not you already believe the affirmation or if the belief seems possible to you at this time. Repeating the power affirmations with emotional intensity and a feeling of certainty will eventually install the beliefs in your subconscious mind. At the very least, pick a generic affirmation like Every day in every way I am getting better and better. Then you can always choose or create other power affirmations later after you set specific goals. Resolve right now to start using affirmations within the next 60 minutes.
Write the power affirmation at least 10-20 times per day. For best results, write it down 10-20 times as soon as you arise and 10-20 times before you go to bed. This allows you to set your direction before the day starts and plant the seed in your subconscious mind before you go to sleep. If you do this consistently, you will naturally find this thought re-occurring in your mind several times per day. You will begin to notice the power affirmations shaping your other thoughts through the course of the day. As the power affirmations create more and more similar thoughts, you will create a direction and build momentum towards the desired results.
After you write the affirmation 10-20 times, repeat it aloud in front of a mirror 5-10 times. Anxiety Help is a process so repeating the affirmations aloud further installs the beliefs into your subconscious mind. It is very important to repeatedly both write and audibly state your affirmations for maximum effectiveness.
As you write and audibly repeat them, feel the emotional power of the affirmations in your body. Visualize yourself as having already created this result in your life. Feel the way you would feel if you already had this result in your life. Hear the things you will hear when this affirmation becomes an everyday reality. Breathe the way you would breathe if this affirmation were already true. Move your body as if this were already a conditioned belief.
Now let your positive thoughts of power and certainty guide your actions. Live consciously. Take complete control of your own mind rather than passively allowing the influences in the media control it for you.
Does this type of conditioning take time and effort? Absolute , on a daily basis. There is no something for nothing. This is where most people fail. They do not follow through with these steps every day for a long period of time. They get inspired for a few days after hearing a motivational speaker or after reading a book. Then, after the motivational high wears off, they fall back into their old habits. Or they get so busy that this is an easy item to ignore.
Event training through short seminars, is necessary and great. But Process Training, training that guides your every day habits, is the real key to sustained results. Process Training is achieved through sustained exposure to the learning material over a prolonged period of time. And it requires constant review and correction until the skill is installed as a subconscious habit (like how you learn to drive a car). Most people who think they can get all the information they need by attending a couple of seminars or listening to a best selling program one time will usually be disappointed. The information just goes by too fast to allow it to really soak in.
Why do you think we see the same commercials over and over again? Or hear the same slogan? It is because that advertisers know if they can get our attention for 30 seconds (or less), to watch the same commercial multiple times over a period of days, weeks, months, years, they know they can sell us billions of dollars of merchandise. Is it not time that you used the exact same technique to condition your mind on purpose? Take control of your mind and get anxiety help.
So, listening to motivational speakers on audio tape on a regular basis. Daily is one effective way to add process training to your life, however, many of the thoughts they communicate race by without having a chance to take root in either your conscious or subconscious mind. And there is often a lot of fluff just to get to the main points that will really change your life. It is much more difficult to take advantage of the power of repetition which is crucial to create long term results.
The Power of Power Affirmations
My Power Affirmations work whether I believe in them or not.
I create new Power Affirmations for myself everyday.
I repeat my Power Affirmations everyday with emotional intensity, certainty, and faith.
My Power Affirmations allow me to consistently tap into the unlimited power of my subconscious mind.
My Power Affirmations are now creating thought habits that will to guide me to my desired objectives easily and effortlessly.
The more I repeat my Power Affirmations with a feeling of certainty, the more accessible these power beliefs are to me when I need them.
I know that the repetition of affirmations is the easiest and primary method of voluntarily creating the emotion of faith. So I feed my subconscious mind thoughts of faith by repeating my power affirmations every day with emotion and physical energy.
My thoughts are creative. My Power Affirmations are now creating the reality I desire.
My Power Affirmations positively influence my subconscious mind while I sleep.
My imagination now creates whatever I believe and conceive.
I now have all the resources I need to achieve my goals easily and effortlessly.
Every day in every way I am getting better and better.
I set definite goals and create new Power Affirmations(TM) to achieve them quickly and easily.
Today I am using 100 percent of my minds capacity.
I now have easy access to the information in my subconscious.
All subconscious information is being revealed to me now.
What I imagine I can do I can do.
I receive wisdom and knowledge from God every moment of my life.
I am now making amazing progress towards all of my goals.
My subconscious mind is now revealing everything I need to know to create and fulfill my mission and purpose in life.
I am consciously aware of my beliefs. I only hold onto beliefs that support me.
I now see and feel my goals as already accomplished.
Using my Power Affirmations, I expand the powers of my subconscious mind everyday.
Whatever I conceive and believe I can achieve.
I create my own luck everyday.
I achieve my goals with joy and laughter.
I visualize what I want to be and act as if I am already what I visualize.
Through consistently repeating my Power Affirmations, I can now create any reality that I desire and get anxiety help.
My Power Affirmations are the expression of my beliefs and convictions. The stronger my convictions, the more powerful their effect on my subconscious mind to bring about the results I desire.
My Power Affirmations are now creating habitual thought patterns of success, positive thinking, and positive living.
Comment on this blog to let me know how your affirmations produced anxiety help in your life. These affirmations are the corner stone to many anxiety sufferers recovery.
Learn how others are receiving “Anxiety Help” [http://www.anxietyended.com] learn more about me and visit our blog at http://www.anxietyended.com/blog