Very WITTY !

These are great observations…my favorite is #4

 

1.)  Always keep your words soft & sweet, in case you have to eat them.

2.)  If you can’t be kind, at least have the decency to be vague.

3.)  Never put both feet in you mouth at the same time because then you won’t have a leg to stand on.

4.)  When everything is coming your way, you’re in the wrong lane.

5.)  Birthdays are good for you. The more you have, the longer you live.

6.)  Drive Carefully.  It’s not only cars that can be recalled by their maker.

7.)  The early birds still has to eat worms.

8.)  Some mistakes are too much fun to make only once.

9.)  We all get heavier as we get older because there’s alot more information in our heads.  That’s my story & I’m sticking to it !

10.)  Do they hold elections in November because it’s the best time for picking a turkey.

11.)  I asked my mother if I was a gifted child…she said they certainly wouldn’t have paid for me.

12.)  I joined a health club last yearl. Cost me over $500 & I haven’t lost a pound.  Apparently, you have to go there.

13.)  Exercise can add years to your life.  This enables you, at 85 years, to spend an additional five months in a nursing home at $8,000 a month.

14.)  You spend the first 2 years of your children’s lives teaching them to walk & talk.  Then you spend the next sixteen telling them to sit down & shut up

15.)  Don’t think of it as hot flashes.  Think of it as your inner child playing with matches. 

 

 

 

  

15 THINGS YOU DON’T OWE ANYONE AT ALL (THOUGH YOU THINK YOU DO)

 

 

 

Many choices we make in life—ranging from what we do, to how we conduct ourselves, and who we interact with—are subject to prying questions and commentary from those around us. Family members, friends, and even total strangers, it often seems like everyone has an opinion on the things we do, no matter how small or insignificant those things might seem to us.

Sometimes people go so far as to ask you to explain yourself for the decisions or choices you make in your own life. You might feel obliged to respond, but some things are really no one else’s business and you don’t owe anyone an explanation at all for the following 15 things—though you think you do.

1. YOU DON’T OWE ANYONE AN EXPLANATION FOR YOUR LIVING SITUATION.

Whether you are cohabiting with your ex-boyfriend or ex-girlfriend, crashing in different motel rooms across the country, or living with your parents for a while when you are past your twenties, you don’t have to explain yourself to anyone for who you live with and why if you don’t want to. If you are fully aware of your living situation, then it means you have your own reasons for being in that situation that are nobody else’s business.

2. YOU DON’T OWE ANYONE AN EXPLANATION FOR YOUR LIFE PRIORITIES.

You have your own ideas about the things that would make you and your loved ones truly comfortable and happy, which is your main priority. Since we are all unique individuals with different values, dreams and aspirations, your core priorities will be different from the next person’s. You don’t owe anyone an explanation for what you determine is your core priority in life. That is your personal business not other people’s business.

3. YOU DON’T OWE ANYONE AN APOLOGY IF YOU ARE NOT SORRY.

If you don’t regret your actions, still think someone is wrong about something or don’t care much for their forgiveness, you don’t have to apologize. Many people are too quick to offer apologies and try to mend wounds that are not yet ready to be mended, which only serves to aggravate the wound and bring more problems. You really don’t have to apologize if you are not sorry or your side of the story hasn’t been heard.

4. YOU DON’T OWE ANYONE AN EXPLANATION FOR REQUIRING ALONE TIME.

You might worry that you will come across as “rude,” “anti-social” or “aloof” when you cancel plans or other obligations because you need some time alone to reboot, unwind or just enjoy a good book by yourself. However, spending time alone is a completely normal, natural and necessary practice that more people should adopt. Take your alone time confidently because you don’t owe anybody an explanation for it.

5. YOU DON’T OWE ANYONE YOUR AGREEMENT ON THEIR PERSONAL BELIEFS.

Just because someone shares their personal beliefs passionately doesn’t mean you have to sit there and nod in approval to everything they say. If you don’t share in their beliefs, it is unfair to yourself and to the other person to suppress your own thoughts and feelings and pretend you agree with them. It’s okay and better to disagree with them gracefully instead of bottling up your disapproval and frustrations.

6. YOU DON’T OWE ANYONE A YES TO EVERYTHING THEY SAY.

You have a right to say no whenever there is no compelling reason to say yes. In fact, the most successful people in the world are those who have mastered the art of saying no to everything that is not a priority. Acknowledge other people’s kindness and be grateful for it, but don’t be afraid to politely decline anything that takes your focus away from your core goals and priorities. That’s how to get ahead.

7. YOU DON’T OWE ANYONE AN EXPLANATION FOR YOUR PHYSICAL APPEARANCE.

You might be slender, plump, tall, short, pretty, plain or whatever, but you don’t have to explain yourself to anyone for why you look how you do. Your physical appearance is your own business and you are obligated only to yourself. Physical appearance shouldn’t determine your self-worth.

8. YOU DON’T OWE ANYONE AN EXPLANATION FOR YOUR FOOD PREFERENCES.

Read more at http://www.the-open-mind.com/15-things-you-dont-owe-anyone-at-all-though-you-think-you-do/#PzCxDFkLyHVjTcvW.99

 

 

 

 

 

 

Huge News for Potential “Borrowers” and those of us that are Mortgage Loan Officers

FICO Tweak Will Open Up Lending.

The Wall Street Journal’s Annamaria Andriotis reports credit score gatekeepers Fair Isaac Corp. will no longer include data reflecting failure to pay a bill in its tabulations if the individual paid or settled with a collection agency. It will also give less weight to unpaid medical bills owed to a collection agency. “The changes are expected to boost consumer lending, especially among borrowers shut out of the market or charged high interest rates because of their low scores,” Andriotis writes. ‘It expands banks’ ability to make loans for people who might not have qualified and to offer a lower price [for others],’ said Nessa Feddis, senior vice president of consumer protection and payments at the American Bankers Association, a trade group.”