Being that I am just coming out of a rut, I felt like writing a blog post again! So…here it is! My process of getting into a rut and my way of getting out of them (until I find a better way…any ideas would be great).

I have been living my life these past few weeks with a mixture of being overwhelmed, nervous, and uncharacteristically dreadful of the next thing (what ever that might be). I am excited about the next stages of my life (the good ones and the ones that will help spice up of the ordinary items), but I’m not so excited about the monotonous shit.

I believe that I am (or was) in some what of a rut, and this happens to me about every 3-6 months. I get bogged down with my businesses (there are too many, and that might be the problem), family situations, friends that just seem to spin their wheels and never go anywhere, and…did I say businesses? I think my doctor would say I have caught ‘doingwaytomuchandtryingtobeamazingatallofthemosis‘! It is really hard for me to pick just one thing and work with that to its fullest. I want to make every idea I think of be the best it can.

What do I do to fix this problem when it pops up about every 3-6 months? Usually…I do nothing. Literally, I avoid all responsibilities possible in life for about a week (besides the mandatory things my wife says I must do - showering, lifting the lid to the toilet, etc.). It usually gives me a nice taste of bordem, self pitty, self loathing, and a surprisingly renewed energy that I didn’t have before. It somehow also allows me to see what things are really important in my life and what things I can put on the back burner or just get rid of.

This system may not be the most healthy, but until I figure out the root reason all of this happens, I will use my week of nothingness meditation.

As far as right now goes…Well, I’m writing this blog post aren’t I?
Maybe (not maybe, for sure) tomorrow I will get 3 things done on my to-do list.
Until next time, Have an Awesome day and try to avoid the rut.
~Chais Meyer

P.S. I find Hockey amazingly boring and at the same time intriguing and exciting (maybe that’s because of the beer?).

…There is no mail service better than Google’s gmail (I just wanted to say something SHOCKING to get you here, hehe…Keep reading)!

What I want to talk about is an add-on to Gmail and how you can add an email client that will allow you to maximize it as well as other email services. The best way to take advantage of your email on an Apple computer (or mac as they call them now), is with the Apple Mail program (in my opinion)!
This is a weird statement for me to say, I normally run away from the Apple consumer products when it comes to using them with my businesses, but Mail is definitely an exception.

Why use mail and how?
The main reason that I recommend using Mail is because of how easy it is to run several email addresses/accounts at one time. I am currently running 7 email accounts with my one Mail program. All of my email messages come into one (1) Inbox together (or separate Inboxes if I wish). When I reply to a message, it replies back to the sender from the account they sent the message to (I can also choose to reply from any of the other accounts I have in mail).

Okay…can’t I do all of that with Google’s mail services (Gmail for individuals and Google Apps for businesses)? Why yes you can!
Then why use a client at all? Well…Because you can sync with your address book that is built into your computer, save events in your calendar directly from your email (when you get a message that has a place, date and time Mail identifies that as an event automatically), and most importantly send HTML emails (Mail already comes with quite a few free templates), you can even modify these templates for your own business and/or own personal use (Here is a link that shows you how -You need to be a little Geeky or hire a geek to get this done).

Using all of the FREE programs that come with the Apple systems (Mail, iCal, Address Book), you can do the basic things you want with business (at least things that have to do with communication) with ease.  And it will even sync with an iPhone using the Apple Mobile Me service.

I am excited that I finally found a mail solution that actually works how I want to use it. Even on the go with my phone. Now all I’m looking for is a great to-do list program that works on my iPhone and with my apple contact list and calendar. If I find something that works, I’ll let you know!

Here is another link that shows you more you can do with Mail.
If you have a windows computer…Sorry, I can’t help you, I don’t own a windows machine! You’ll have to let me know what works for you.

If you have any questions or would like additional info about anything in this post, let me know and I am glad to help.
Until then, Have an Awesome Day!
~Chais Meyer

We finally sold our home…well, sort of. (This picture is of our ‘home purchasers’ and myself, my wife couldn’t attend the key hand off).

About 3 Months ago, we wrote a post about our home and how we couldn’t afford to own it anymore. We had the choice of finding some way to sell it or have our mortgage company foreclose on us. My wife and I didn’t want to go down without a fight, so we took the drastic measure of moving in with my ‘rents (that’s the cool term for parents), staying in their basement and out of our home that we loved so much.

We had to call our mortgagor and tell them that we were unable to make our mortgage payments and we needed some help. The gave us a 3 month break from payments so we had some time to try to solve our problem (come up with our unpaid mortgage amount or sell our home…or else). During that time, Shawna and I have been racking our brains to try and figure out a solution that would not only get us out of this mess, but hopefully put some money into our pocket as well (we did put tons of hours into our home, fixing it up from when we originally purchased it 3.5 years ago).

What we did (with the help of God) was have a lawyer draw up a ‘Lease to Own Contract’ (that we are giving to you for free at the bottom of the page) and found a married couple that was interested in having their monthly rent payments go towards the purchase of a home. Along the way I believe we found a short term market niche for real estate investments.

The Details (let’s call the person paying us the TENANT):

• the TENANT will pay a monthly payment to us, (which will include $ that will go towards the principal for them to purchase the house from us, the interest for us taking the risk and acting as their bank, homeowners insurance in case the house catches on fire and the property tax)
• When we receive that monthly payment, we will then pay the bank that we have our mortgage through, which will cover our principal, interest, homeowners insurance and property tax
• The official home ownership (the paperwork that says Shawna and I own the home) won’t change until the TENANT decides to pay us outright for the home or goes through the 20 years of payments as we’ve set up.
• Why would the TENANT want to do something like this? Well, first off there is no need for them to get a mortgage from a bank (which is nice if you currently don’t fit the criteria to get a mortgage). They don’t have to do anything different from paying rent like they normally would (it’s easy). It is their home unless they decide to move or not make their monthly payments (all the money that they’ve payed every month does not go back to them if they decide to terminate our contract).
• Why is this good for us? We make positive cash flow every month $60 a month extra we can apply towards our home principal. We can pay our bills. If the TENANT carries the payments to the full 20 years without paying the home off in advance, we will make $40,000 extra in interest (that’s a nice little investment). We don’t have to do any of the landlord responsibilities because it is their home and they are responsible for everything that breaks down, etc.
• We also had them pay a $3,000 (non refundable) down payment to start this process. This payment goes directly towards the principal of their home and we get enough up front money to pay off our past mortgage payments (the bank won’t foreclose)!

How is this a market niche? When our nation is going through home sale hardships (because it’s hard to get a mortgage), why not purchase 10-20 forclosed homes and duplicate this process? be a landlord without the responsibilities of fixing up and maintaining the property. And if you really wanted to protect yourself, you could create something about a pre-payment penalty in the contract. It could say, if the TENANT pays off the total home value before 50% of the contract term has been complete, there is a penalty of “BLANK” %. Something like that.

We just wanted to let you in on how we got ourselves out of a sticky situation. If you would like to download this contract in an editable (Microsoft Word) format, Please Click Here. Also, if you would like to use an Amortization Chart (like what we used to help create this contract) Please Click Here.

Please note, this document was designed and created specifically for our situation, so not everything will apply to you. We still recommend having a property lawyer look at this contract after you have edited it. It will still be considerably less expensive having them proof it than creating a new contract.

If you can benefit from our experiences, please take advantage of them.
We are thanking God and Enjoying the day! Have an Awesome day yourself.
~Chais & Shawna Meyer

PS. If you don’t have Microsoft Office which is needed to edit these document types, go to Open Office’s website and download their Open Source program for your computer. It’s free and does the same things Microsoft does.

This Blast from the past is one that Really helps me think through what types of things in my life are growing and helpful, and what things actually hurt me and are painful. Take a look and tell me your thoughts. (This post was originally written on October, 9th 2007)

Distress is Bad, Eustress is Good…

Below (which I found to be amazing…) is from the book, The 4-Hour Work Week.

“Unbeknownst to most fun-loving bipeds, not all stress is bad….There are two separate types of stress, each as different as euphoria and its seldom-mentioned opposite, dysphoria.
Distress refers to harmful stimuli that make you weaker less confident, and less able. Destructive criticism, abusive bosses, and smashing your face on a curb are examples of this. These are things we want to avoid.
Eustress, on the other hand, is a word most of you have probably never heard. Eu-, a Greek prefix for “healthy”, is used in the same sense in the word “euphoria.” Role models who push us to exceed our limits, physical training that removes our spare tires, and risks that expand our sphere of comfortable action are all examples of eustress–stress that is healthful and the stimulus for growth.
People who avoid all criticism fail. It’s destructive criticism we need to avoid, not criticism in all forms. Similarly, there is no progress without eustress, and the more eustress we can create or apply to our lives, the sooner we can actualize our dreams.
The trick is telling the two apart.”

I Hope you enjoyed this post & have an Awesome Day!
~Chais Meyer