Thrive Well --- A fresh take on longevity, education and community.

Hi. Like most people, I didn't have money saved for college and it took me until the end of my college experience to actually start paying back my student loans. I graduated with about $64,000 in student loan debt.  Ouch!  Is the appropriate term. I would advise anyone who is looking to get a college education to not make a costly decision as I did. Here's why; not only is that an insane amount of debt but student loan debt whether it's through the department of education or a Federal Perkins loan provided through the school - it accrues interest. Starting at 2.75% ranging all the way up to 5% if it's a Federal Perkins loan. When it's all said in done because of interest a borrower may end up paying an additional $20,000-$30,000  in interest ( interest  - Debt accrued on top of debt for a duration of money lent )   in addition to the original $64,000 taken out in student loan debt. Interest is and will always be an enemy of mine . I don't want you to be in bonda...

 Hi, I wanted to take some time to do an overview of Sacramento's real estate market. Sales have declined by 1.1% from the previous month. In comparison to last year sales are up 8.8%. Homes financed with Cash made up 9.5% of the market. Those stats slightly debunking the bay area myth, I say slightly because there's a good chance the buyer from the bay used cash mixed with a conventional loan to complete the purchase. Speaking of conventional loans, 68% of the buyers market in Sacramento are financing their purchase with an Conventional loan. Folling with FHA at 15% and VA making up 1.8%. Prices continue to rise. The median home price went from $438,000 to $439,950, an increase from .4%. In comparison to 2019, home prices have increased by 14.3%. Supply and demand is the cause of the continuing rise of home prices. Inventory, the amount of homes for sale have decreased .3%. In comparison to 2019, there is a decrease of 45% of homes available for purchase. In other words there ...

Fear, that ol ' feeling that gives butterflies and causes you to sweat profusely. I'm looking to overcome, conqueror, or better yet use fear as an indicator to better my life. Fear comes from survival mechanisms that we were born with. Today our chances of being eaten by a predator as compared to when we were being preyed upon are much less likely to happen. Today we live in a safer environment, and Fear can be counterproductive to our goals. Yet, we still get nervous when we meet new people when there's a new adventure that awaits us or not knowing what the future holds for us. Fear as I come to realize maybe the most important thing to conquer in one's life. The Buddha says 'all of life is suffering", most people are causing their own internal suffering due to external influences that they cannot control. I'm looking to use Fear as Fuel as indicated in the book written by Patrick Sweeney. Fear often points out the things which we need to take action towar...