Christine Snyder

Happy Valentine's Day!

2008-02-12T20:21:00.000-08:00

Beyond the roses, chocolates and historical ties to a pagan fertility festival, you'll find the real meaning of Valentine's Day. It's the true love that compelled a young Christian to give up his life rather than stop sharing his faith.

Valentine's Day

When we think of Valentine's Day, we often think of red roses, candy in heart- shaped boxes, mushy valentines, and winged cherubs flying about shooting starry-eyed lovers with arrows.

But did you know that the origin of Valentine's Day, or Saint Valentine's Day, comes from the life and death of a Christian martyr? According to author Martha Zimmerman, the date traditionally celebrated as St. Valentine's Day finds it origin in the Roman festival of romance called Lupercalia, when the gods Juno and Pan were honored. It was a fertility festival or a lover's holiday looking forward to the return of Spring. In the fifth century, in an attempt to abolish the pagan festival, Pope Gelasius changed Lupercalia and its February 15 date to February 14 and called it Saint Valentine's Day. Even though the names and the date were changed, the emphasis continued to be on love.

Health eNewsDecember 2007 issue

2007-12-03T20:21:00.000-08:00

Published monthly by Patterson Chiropractic.

Keep Your Holiday Schedule
We see it every year. As patients gear up for the holidays, it’s not uncommon to see a rise in missed appointments and an increase in visit cancellations. Please think twice before allowing the hustle and bustle of the season to derail your commitment to attend to your health. Here’s why:

Lost momentum. Since each visit builds on the ones before, missing a visit or two can jeopardize your progress and set the stage for a relapse. Like stopping an exercise program, your spine is inclined to return to its former, unhealthy patterns.

Increased stress. The emotional stress of holiday preparations are simply magnified by the chemical stress of rich foods, alcohol and over indulgence. Reducing stress to your nervous system with chiropractic care can help you adapt and accommodate the increased stress.

Pamper yourself. Your health is your most valuable possession. Take time out for yourself during this busy season. Think of our office as a refuge and protective sanctuary to revitalize yourself. Emerge restored and renewed.

Avoid the crash. Many of the health problems that prompt New Year’s resolutions reach the tipping point this month. If you resolve to embark upon a slimming program, be sure to get a chiropractic checkup first.

In fact, if it’s been awhile since your last visit, this stressful holiday season is the perfect time to stop in for a chiropractic “tune up.” Enhance your ability to enjoy the season by being your best. Schedule an appointment today!

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The Master System
The nervous system is made up of two parts: the central nervous system and the peripheral nervous system.

The brain and the spinal cord make up the central nervous system. The spinal cord transmits sensory messages to the brain and motor messages from the brain. Sensory nerves carry messages from receptors to the brain. If you touch a hot stove, pain receptors on certain types of nerve cells tell your brain to move your hand. Motor nerves send signals from the brain to the muscles in the body. These nerves help us to do things such as walk, kick a ball or pick up an object.

The peripheral nervous system transports the messages between the central nervous system and the body. It consists of cranial and spinal nerves that carry messages to and from every sensory and motor nerve in your body.

Part of the peripheral nervous system is called the autonomic nervous system. The actions of the autonomic nervous system are well, automatic. Such as breathing, your heartbeat and digestion.

The autonomic nervous system is made up of the sympathetic system that alerts the body when there is an emergency or danger. When this happens, your heart beats faster, your blood pressure rises and your pupils dilate in what is called a “flight or fight” response. The parasympathetic system returns your body to normal once the danger has passed.

Chiropractic care is designed to restore the integrity of your nervous system so that everything works the way it's supposed to. That's why it's vital to have your spine checked regularly for optimum health and well-being.

For more info check out: http://www.pattersonchiro.com

May Peace be your gift at Christmas and your blessing all year through!

2007-11-29T19:48:00.000-08:00

Don't Miss It!

2007-11-29T16:16:00.000-08:00

You are invited to Arrington Vineyards Holiday Open House
Sunday, December 2 from noon - 6pm.
Tours
Carolers
Wine Tastings
All Day Bonfire
Warm Apple Cider
Holiday Gift Baskets
Kix Brooks Christmas Case Special
Free Chocolate and Cheese Samples
Holiday Treats and more...
Arrington Vineyards is Tennessee's premier winery located only 30 minutes south of Nashville. Arrington Vineyards is the perfect unique holiday gift this season. Come visit our breathtaking winery and sample award winning wines. Gift baskets, wines and gift certificates are all available for your business or personal gift giving this season.

For more information call (615) 395-0102 or www.arringtonvineyards.com.

Movie Night in the Park

2007-10-25T16:53:00.000-07:00

Hello Everyone,
I want to be sure you are all aware of the Movie Night in the Park this Saturday. There will be a trick or treating before the Wallace and Gromit in the Curse of the Were-Rabbit movie.

I'll be there to give out candy, puzzles & prizes. Kids are encouraged to wear costumes. They'll even have hay rides. Please stop by! The fun starts at 5-5:30pm and the movie starts at Dusk.

Hope to see you all there!

Home For Sale

2007-10-25T16:51:00.001-07:00

I'm excited to announce my new listing at:
1607 Fair House Road in Spring Hill Place

Please visit: http://www.1607FairHouseRd.blogspot.com

For More Info.

Lower Fed Rate Means Opportunities on the Rise

2007-10-08T11:10:00.000-07:00

For the first time in more than four years, the Federal Reserve cut its Fed Funds Rate, which directly impacts millions of American borrowers. And while this important decision has many implications, there’s still some debate among experts about what this means to the economy as a whole.

The Federal Reserve meets again in six weeks, and no one is certain how market volatility and inflation concerns will affect their future policy and decision-making. Bottom line: Take advantage of this opportunity while you still can. Call me right away.

If you’re looking to capture a lower interest rate for refinancing or buying a home, this could be your best opportunity to do so.
If you have an Adjustable Rate Mortgage, while this rate cut might help to improve your situation, now is the time to refinance into a fixed-rate loan.
If you have a Home Equity Line of Credit (HELOC) or credit cards tied to the Prime Rate, the Fed’s cut in the Fed Funds Rate just put a little money in your pocket.

Mitzi McKinnon
Mortgage Consultant
Titan Home Loans
Phone: (615)902-9600 ext 103
Fax:(615)902-9602
mitzi@titanhomeloans.net

Trivia WINNER!

2007-10-04T20:27:00.000-07:00

The winner of our October Trivia was:
Dana Vick

The answer to the trivia was, "Happy Birthday".

October Trivia

2007-10-04T07:11:00.000-07:00

Here is the October Trivia question. If you email or call me first with the correct answer I'll give you a $20 Gas Card. Good Luck!!

What was the first song to be performed in outer space, sung by the Apollo IX astronauts on March 8, 1969?

Short Sales

2007-10-01T09:06:00.000-07:00

Hello,
As I stated in the last post I want to give you some information on "Short Sales". I've put together some Q&A for your review. If you have any questions or know someone who might benefit from selling their home via a short sale please feel free to email or call me.

What is a short sale?

A short sale occurs when the net proceeds from the sale of a home are not enough to cover the sellers’ mortgage obligations and closing costs, such as property taxes, transfer taxes, and the real estate practitioner’s commission. The seller is unwilling or unable to cover the difference.

Some — although by no means all — short sellers may also be in default on their mortgage loans and be headed for foreclosure. However, home owners who bought at the top of the market or who took out large amounts of equity with a refinance and who now need to sell because of divorce or job transfer may also find themselves upside down, owing more than the home is currently worth when closing costs are factored in.

What information will the bank need to decide whether to accept a short sale?

The sellers’ submission package should include W-2 forms from employers (or a letter explaining the seller is unemployed), bank statements, two years of tax returns, and other financial documents outlining income and debt obligations. The bank will also need comps or a broker’s price opinion showing your estimate of value.

In addition, the sellers should submit a “hardship letter,” explaining the circumstances that make it impossible for them to pay the full amount of the loan. The seller needs to be able to show true financial hardship. Someone with the assets or the income to pay is unlikely to be considered, say most interviewees.

What are the options besides a short sale?

Thanks to programs such as those proposed by Fannie Mae and Freddie Mac to assist subprime borrowers, many lenders are more willing to offer loan modification options. This option can extend the term of the loan, add on delinquent payments to the loan principal, and/or reduce the interest rate to make the loan more manageable for the home owner.

What financial or credit liabilities will a seller have as a result of a short sale?

Many lenders ask sellers to sign a promissory note for all or part of the difference between the proceeds of the short sale and the debt obligation as a condition to a short sale. In such cases, the note gives lenders the right to sue a seller and attach other assets if the note is not paid when due.

What tax liabilities will a seller have as a result of a short sale?

One often overlooked aspect of short sales is that a seller must count any amount forgiven by the lender as income and pay taxes on that income, even if no actual money was received. The IRS requires lenders to submit a Form 1099 stating the forgiven amount. Sellers who meet the Internal Revenue Service definition of insolvency (either in bankruptcy or with debts exceeding assets) will not have to pay taxes on the forgiven amount.

Tip: The U.S. House of Representatives has introduced the Mortgage Cancellation Tax Relief Act (H.R. 1876), which would eliminate taxes on any debt forgiven on a principal residence through either short sale or foreclosure. The NATIONAL ASSOCIATION OF REALTORS® has been working to support this bill.

Upcoming Posts

2007-09-18T20:30:00.000-07:00

Hello again, I'm working on the next post to come out next week. Its going to explain how a "Short Sale" works. If you have any input please feel free to let me know.

Tips for an Energy Efficient Fall Season

2007-09-16T12:19:00.000-07:00

Fall tips

Energy consultant Gail Lawlor shares ten tips on how to use less energy and cut heating costs

1. Caulk cracks on interior baseboards, windows, and door trim.
Don’t forget to check the attic, basement, and ceilings for drafts.
2. Use high quality weather stripping on windows and doors for peak performance under all weather conditions.
3. Place foam gaskets behind electrical outlets/switch plates to stop drafts.
Put a continuous bead of caulking on one side of the gasket and seal it to the wall before reattaching the cover.
4. Set your thermostat back a few degrees when you’re not home and before bed each evening. Better still, buy an automatic, programmable thermostat, and mount it away from hot or cold sources.
5. Schedule a yearly service check as a properly maintained furnace uses less energy.
Also, remember to clean the filter on a monthly basis during the heating season.
6. If your furnace needs replacing, consider a direct vent, high-efficiency unit.
A direct vent furnace has its own outdoor supply of air, reducing the drafts in your home.
7. Move carpets, furniture, and drapes away from floor registers, return air grills, and hot water radiators to ensure heat circulates freely throughout the room.
8. Seal furnace duct seams with aluminum foil duct tape and insulate exposed ducts.
9. Check insulation levels in your attic, basement, and above-grade walls. Improve the quantity if required. Most basements have little, if any insulation on the walls and floor, so there is a good return on your investment if you insulate these areas.
10. Install new windows with low-E film, argon gas, and warm edge technology, which help to reduce heat loss and condensation. If upgrading isn’t an option, cover windows with inexpensive, but effective, shrink-wrap plastic.