Showing posts with label lake zurich. Show all posts
Showing posts with label lake zurich. Show all posts

Wednesday, October 20, 2010

Tuesday, October 19, 2010

Exercise is no fun, how about just not sitting? - PowerTeamHomes.com


My friend’s grandmother, born in a small town in Italy, grew up in a family that could not even afford a horse and buggy. She walked to school, church, the library etc. Walking was a way of life. Due to the time involved in walking from place to place and because there were always chores to do around the house, there was very little time for sitting down. If she were alive today she would most definitely wonder why people spend so much time sitting during the day!

According to research from the Cancer Research Center at University of Queensland, prolonged sitting is very bad for our health. Absence of whole body movement is associated with obesity, abnormal glucose metabolism and the metabolic syndrome, researchers looked at breaks in sitting time and how this corresponded with biological markers of metabolic risk such as weight, height, HDL cholesterol, waist circumference and resting blood pressure. This study provides evidence of the importance of avoiding prolonged uninterrupted periods of sedentary or primarily sitting time. They explained that when the large muscles in the legs and buttocks, which are designed to be standing and maintaining posture, are immobilized for long periods of time, there is a failure to activate an enzyme called lipoprotein lipase, which is responsible for reducing the above mentioned risks.

A follow up study by the same researchers found that television viewing time was associated with increased risk of all-cause and cardiovascular mortality. “In addition to the promotion of exercise, chronic disease prevention strategies could focus on reducing sitting time, particularly prolonged television viewing” says Dr. Hunter Yost, M.D. The most serious and well known complication of prolonged sitting is venous thrombo-embolism (VTE), a condition in which blood clots occur and travel through the veins. When a blood clog forms in the deep veins of the legs, thighs or pelvis, it is known as deep vein thrombosis (DVT). When this blood clot breaks off from its original location and travels through the venous system, it can become lodged in the arteries leading from the heart to the lungs: a very serious condition.

For the majority of people who don’t want to engage in “formal exercise,” follow my grandmother’s advice who would come to us kids sitting around and after looking right in our eyes…we knew, we better get up and do something. She would send us across the farm to pick up a tomato for her when she had hundreds of them in the next room! Today I fully understand what she was doing and why. As we go through our day to day activities let’s make it a point to get up and walk at least every hour.

Maybe when at our desk and need a form we’ll get up and get it instead of calling staff to email it to us or looking for a quick answer by just calling out to someone across the office. We forget that the body we currently are in is the only one we have: no returns or exchanges; let’s do our part to protect and preserve it any way we can.

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Tuesday, March 3, 2009

Improve your credit score quickly !

If you are looking to improve your credit score quickly, now is the time to get started. Here are some great strategies you can utilize right away to give your score a little boost.

Create Some Balance: While paying down installment debt (car, school, mortgage, etc.) will definitely boost your credit score, paying down or paying off revolving debt, such as credit cards, can cause a quick jump in your credit score. The trick is to get and keep your balances below 30% of your credit limit on each card. For faster results, attack those cards with balances closer to their respective credit limits first, as opposed to those cards with simply the highest debt. Remember, if you pay off any credit cards completely, do not close your accounts without discussing it with your mortgage professional first. Cancelling those cards may inadvertently undo all of your hard work.

Know Your Limits: Make sure that your credit card issuers are reporting the correct limits on your accounts to the three major credit bureaus. Without an available limit, your account will appear to be maxed out at its highest reported balance each month. This could cost you up to 80 points in certain instances. Some creditors, such as American Express® and certain cards issued by Capital One®, actually have a policy of not reporting available credit. However, most companies will report your credit limits if you ask them in writing.

Take Some Credit: If you have a credit card account in very good standing, make sure that all three credit bureaus know about it. Just like your credit limits, some creditors don’t report your information to all three credit companies - this is why credit scores often vary between bureaus. If this is the case, give them a call to find out why. Correcting this oversight could provide a significant boost to your score. Also, if you’re in very good standing, ask your creditor for a lower rate or higher credit limit. This will increase the gap in the debt you owe versus the credit you have available. Sometimes hinting about closing an account can suddenly bring out the generous spirit of certain card issuers. Give it a try. The worst they can say is no.

Protect Your Interests: Your credit is calculated based solely on the information available to your creditors. If you have a HELOC, make sure it’s listed as a mortgage or an installment account on your credit reports and not a revolving debt. If you had a bankruptcy, be sure that all items associated with the bankruptcy are being reported correctly, that is with a zero balance. This action could increase your score by 50-100 points. Because simple mistakes like these can wreak havoc on your credit score, it’s important to monitor your credit every four to six months.

Even the Score: If you find information on your credit report that you believe is inaccurate or incomplete, then you have the right to dispute it free of charge. For the fastest results, visit the appropriate credit bureau’s website and file a complaint online. If supporting documents are necessary, you have to file your dispute by mail.

Wednesday, February 18, 2009

The Truth on the New Home Buyer Tax Credit

While the proposed $15,000 home-buyer tax credit died in negotiations between the House and the Senate, the $787 billion stimulus bill that President Barack Obama signed into law Tuesday includes a similar--albeit smaller--measure designed to help revive our real estate market. Here are six things you need to know about the freshly-enacted $8,000 first-time home buyer tax credit.

1. $8,000 for new buyers: The tax credit included in the economic stimulus legislation is much narrower than the $15,000.00 proposal. This credit is equivalent to 10 percent of the purchase price of the home--although it's capped at $8,000--and applies only to first-time home buyers and principal residences. But unlike an earlier $7,500 home buyer tax credit, this one does not have to be repaid.

2. First time buyers defined: For the purpose of this legislation, a "first-time home buyer" is someone who hasn't owned a principal residence for three years before buying a house. (The date of purchase is considered the day that the title is transferred.) That means if you've owned a vacation home--but not a principal residence--within the past three years, you would still qualify for the credit.

3. 2009 buyers only: Only those who purchase a home on or after January 1 and before December 1, 2009 are eligible for the credit. Anyone who bought a home last year won't be able to take advantage of it.

4. Income limits: The tax credit is subject to income limitations. Single buyers need a modified adjusted gross income of $75,000 or less to qualify for the full credit, that's $150,000 for married couples. Those earning more than these thresholds may be eligible for reduced credits.

5. Refundable: Because the tax credit is "refundable," qualified buyers can take advantage of it even if they don't have much tax liability. In other words...unlike the $15,000 tax credit, this tax credit will be refunded to a buyer, if his year end tax liability is less than the credit.

6. Recapture: Buyers have to own the home for at least three years in order to capitalize on the credit. If they sell the home before then, they will have to return the credit to the government. (Exceptions will be made in certain cases, such as death or divorce.)

7. Click Here to start searching Lake Zurich,Long Grove,Grayslake,Gurnee,Illinois and Northern Illinois homes to take advantage of this credit now! It Free,Easy,No Obligation!

Saturday, January 10, 2009

Lake Zurich - cited by Frommer’s as one of the top 100 “Best Places to Raise Your Family”


The Village of Lake Zurich is located in southwestern Lake County approximately 37 miles from downtown Chicago. The Village is an established residential community, which traditionally served as a market center for surrounding rural areas and, earlier in the 20th century, as a popular summer resort.
The population has more than quadrupled since 1960, as the Village has shared in the economic growth that has come from an expanding Chicago metropolitan area. Lake Zurich has developed into a community with above-average wealth and housing values, and has a balanced tax and revenue base.

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Community Profile
Census
Population

18,104

Projected population for the year 2010

20,010

Land Area

6.8 square miles

Government

Village Board/Administrator

Altitude

850 feet above sea level

Median Age

34.7

Average Number per Family

3.12

Median Family Income

$84,125

Tax per $100 (2001 rate)

7.1050

Number of Housing Units

5,804

Median Value (owner-occupied units)

$225,100