Sheila Calistri

I read everywhere that applications for refis are soaring because of lower interest rates, but I find it hard to believe. Apparently there are many homeowners out there will a good deal of equity in their homes. I, on the other hand, are one of those people who purchased a home in 2006 during the peak of high market prices. I would love to refinance my mortgage so I can save a few hundred dollars a month, but the problem of requiring an appraisal will knock me out of the running. I pluncked down a hefty down payment when I bought the home, but since the market prices have fallen I have lost all of the equity and then some. If my home would appraise, I would sell it and take advantage of one of the killer deals on a bigger house in a better location. Once again, I question why I continue to "do the right thing." I am a person of morals and I have excellent credit so I would never intentionally stop making my payments in order to try to weazel out from under my mortgage, but why isn't there any aide for people like me? What is wrong with lenders bypassing the appraisal and allowing me to refinance? It's not like I am asking them to eat a portion of my loan (I would have to be behind on my payments for that one), but all I want is a lower interest rate.

Didn't the government implement the lower interest rates in the hopes it would stimulate the economy? Believe me, I would absolutely stimulate the economy with my extra $300 a month at the mall!

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Ever wonder why you are always tired? Do you work from home or in an office and find you haven't really moved all day? Are you stressed out with the never-ending list of things to do? How can you find relief from the hum-drum of everyday life and feel better? The answer is easily said, but not done. Exercise. Besides the obvious health benefits, exercise relieves stress and can help you to sleep better at night. Exercise will also improve stamina that will help keep you going all day. Feeling good is essential to a successful business. As a busy Realtor in the Tampa Bay area, I always find time in my day to exercise. It is not always easy to find the time, but if you treat it as a part of your daily schedule you can get it done. To those of you who work through your lunch hour, use this time to workout. The lunch hour is a great time to lift weights. For me, I can get this essential workout out of the way without ruining my make-up and hair. Of course, you can't forget about your heart health so I will usually do cardio in the morning or in the evening. Thirty to forty minutes of high-intensity cardio such as running, stair-stepping, eliptical or rowing 3 to 4 times a week will do the job.

Exercise and eating healthy has to be viewed as a way of life. It is definitely a big part of my life and without it, I don't think my business would prosper. I have the energy and drive to make it prosper because of my healthy lifestyle. If you think you don't have time to exercise, you are making excuses. Make it a part of your life and you will see your personal and business life improve dramatically.

For more information, please contact me at info@buytampafl.com.

Looking for a new home? Go to www.buytampafl.com for a list of all available homes in the Tampa/St. Petersburg area.