Tag Archive for: Life Outside of Loans

Hometown Highlight: The Front Porch Project

Kelly Rogers Ruffing has a passion for people, for life and for capturing special moments.

Kelly is a photographer, mom and community cheerleader in Spring Lake. When the COVID-19 pandemic hit, she added “The Front Porch Project” to her resume.

The closure of schools and local business brought families together and indoors. So many special moments were happening at home.

The original idea sparked in Needham, Massachusetts when Care Soulia and Kristen Collins brought the idea to life.

“Even though (the pandemic) is negative, it’s historic and needs to be documented,” Soulia said. “So why not capture the moment as people are living their lives at home? To be safer and socially distant in front of their homes!”

The idea took root and Kelly brought it to West Michigan.

Her enthusiasm and energy bring joy and laughter to every front yard she crosses. She pops by, capturing each family on their front – and sometimes back – porch.

The photo session is short and sweet. What’s the cost of this unique family keepsake?

Kelly simply asks that each family make a donation to their favorite local charity, church or school. The dollar amount is not specified. In turn, the family receives a high-quality digital print to make this time in history. It truly is a win-win!

As of June 1, more than half of the 31 families who have participated in the project have donated to 21 different charitable organizations, churches or schools in the Tri-Cities area.

“That’s something to smile about,” Kelly said.

More information is available on Facebook. If you’re interested in participating, shoot Kelly a message. She would love to stop by and appreciates your willingness to give back to the local community.

It’s Story Time

Our friends at 92.1 WGHN are hosting Story Time. Have you been tuning in?

We teamed up with the West Michigan Lakeshore Association of Realtors to sponsor the daily segment with Grand Haven Area Public Schools. Tune in at 8:40 a.m. Monday – Friday to hear some of our favorite stories.

Press play below and enjoy a few sweet stories with your family.

More stories are available here. 

Happy Healthy with Hadlee: Connecting with Nature

Earlier this month, we hosted a Zoom Class focused on health and wellness during the COVID-19 pandemic. We were joined by Health and Lifestyle Change Coach Hadlee Garrison – she had a ton of helpful information to share.

Here are some of Hadlee’s suggestions that we found to be most helpful during this difficult time.

Michigan Mortgage: Welcome back! We appreciate you sharing your knowledge with us!

Can you explain why our mental and physical health are so connected? Why are they so intertwined?

Hadlee: Often we think of a distinction between our physical health and our emotions, mental clarity, moods, and thoughts. But in actuality, our physical and mental health are inextricably connected.

The way we feel physically impacts our moods and emotions in both tangible and subtle ways. Physical injuries and disease can result in mental health issues. A less obvious but common example of this is overeating and experiencing lethargy, grumpiness, and/or mental fog.

And the way we think and feel mentally and emotionally can also manifest physically. This can be seen when a person experiences the placebo effect and is healed of a physical malady without actually getting the treatment they think they’re getting. It can also show up as physical disease down the road after years of repressed emotion or trauma.

While modern health sciences have historically focused only on physical health, we are finally seeing more attention given to the significant effects mental health plays not only in day-to-day quality of life but also in the physical health of all individuals.

It only makes sense that whatever is happening in one part of the body could create a cascade of effects to another part of the body. The brain is part of the body, so it can affect the rest of the body in both negative and positive ways, and vice versa. For a long time, we believed that the mind and the body didn’t really affect each other, but now modern research shows just how much we’ve overlooked the mind-body connection and how much each affects the other.

MM: This is so fascinating! One thing we talked about a lot on our call is the importance of getting out and enjoying nature. Can you explain that a little bit?

H: Time spent in nature is linked to a whole host of physical and mental benefits. It can:

  • Lower stress
  • Increase mental acuity and attention
  • Calm the nervous system
  • Increase levels of cancer-fighting “natural killer cells” in the body
  • Activate neural pathways associated with calm
  • Decrease levels of depression and anxiety
  • Enhance immune function

It really is so important to be intentional about getting outside right now, especially since we might be less likely to get outside during Shelter in Place because we aren’t going as many places.

Bonus: Pair your time in nature with movement for added health benefits!

MM: Tell us more about movement! Why is it so important for mental and physical health?

H: Movement is so important for both our physical and mental health. It’s not just about creating a physically fit body. Moving your body is incredibly important for:

  • Decreasing risk for chronic diseases like heart disease, obesity, type 2 diabetes, and some cancers
  • Strengthening bones and muscles and decreasing injury as you age
  • Improving sleep
  • Increasing resilience to stress
  • Improving moods throughout the day
  • Reducing risk for depression and anxiety.
  • Improving the structure and function of the brain, making you more mentally clear and focused and allowing you to learn information and make decisions with more clarity and ease.

MM: Thank you for your guidance! If people would like more information, or to connect with your directly, how can they do that?

H: Sign up for a 30-minute Health Goals Session, where we’ll talk about your health and life goals, challenges, and priorities, as well as next steps for achieving your wellness goals.

If you want to work with me further, you can indicate that on your Health Goals Session application. Here is the description for my Happy Healthy Habits program, where they can take a look at what I do with my clients and what I might be able to do for them if we find we’re a good fit for each other.

And if you want more tips, inspiration, advice, and other fun stuff, you can follow and/or direct message me on Instagram or Facebook @happyhealthyhadlee, or sign up for my newsletter. I respond to all questions and inquiries with as much support as I can, and welcome communication, especially during these challenging times. My passion is helping and empowering people to take control of their own wellbeing and life, so reach out and I’ll do whatever I can to help!

Happy Healthy with Hadlee: Coping During Coronavirus

Earlier this month, we hosted a Zoom Class focused on health and wellness during the COVID-19 pandemic. We were joined by Health and Lifestyle Change Coach Hadlee Garrison – she had a ton of helpful information to share.

Here are some of Hadlee’s suggestions that we found to be most helpful during this difficult time.

Michigan Mortgage: Thanks for joining us (again)! For those that missed our Zoom Class, can you tell us about the importance of health and wellness during this difficult time?

H: It’s so important right now to implement healthy routines each day in order to feel purposeful and have the structure to feel less stressed and more grounded. Otherwise our days seem to blur together and it can feel like we’re just trying to keep our heads above water. And that doesn’t even include all the other ways healthy routines can positively impact our physical and mental health during this time!

So many emotions are likely to arise right now. There are things we can do in the moment to cope with difficult emotions, and there are things we can do preemptively to build resilience so we can cope with future emotions in a healthy and fulfilling way.

MM: During our class, you mentioned the “RAIN” technique. Can you explain that a little bit?

H: In the moment, we can practice acknowledging and working through our emotions through a concept called RAIN, which stands for Recognize, Allow, Investigate, and Non-Identification.

  • Recognize: Turn toward your emotions with acceptance. Identify the emotion arising and acknowledge the physical sensation that accompanies it.
  • Allow: Allow the experience to be there just as it is. Accept that the emotion is there without denying it. Recognize that emotions are impermanent, and that even if it feels overwhelming in the moment, it will soon pass.
  • Investigate: Get compassionately curious with your emotions. You can ask yourself: ‘What triggered this emotion? Why do I feel this way right now?’
  • Non-identification: Practice non-identification, remembering that you’re not your thoughts, feelings, or emotions. You might be having a thought, feeling, or emotion, but you are not it. You are the observer of whatever is going on in your brain. Allow that to provide some relief.

MM: Thank you! I really think people can benefit from using that technique.

You are a wealth of knowledge, and I know we could go on for hours about this, but before we go, can you share a few health habits people can establish right now?

H: For being more mentally and physically resilient to stressors and viruses right now, we can practice tangible health habits. I suggest only choosing a few so as to not overwhelm yourself during this potentially stressful time, and sticking to those things consistently.

  • Pay attention to how your body feels: If you’re not aware of how your body feels, it’s hard to give it what it needs. Take time to feel your physical sensations: hunger, satiation, thirst, temperature, emotions, etc.
  • Sleep: Get enough high-quality sleep. You can’t make optimal decisions when you’re sleep deprived, and your brain will always work better when you’re well-rested. This is the most beneficial thing you can do for anxiety AND immunity!
  • Move: Being intentional about moving your body is now more important than ever, as we might be doing a lot less of it by default. Intermittent movement throughout your day helps improve both physical and mental health, as addressed below.
  • Nourish your body: Stick to foods that nourish your physical and mental health: namely vegetables, fruit, and other whole, unprocessed foods. Decrease consumption of processed and refined foods, alcohol, caffeine, etc., and drink enough water! Food can be a challenge during Shelter in Place. While it’s helpful to have nutrition knowledge and guidelines around how our bodies use food optimally, listen to your own body. Tap into hunger/ satiation cues to feed yourself well, and notice how different foods make you feel to empower future decision-making.
  • Breathe: Breathing seems like a given, but did you know that you can use your breath to actually alleviate anxiety? Try extending your exhale longer than your inhale for an immediate decrease in cortisol, the stress hormone.
  • Ground down with nature: Connecting with nature is medicine against anxiety and fear. Try walking in the woods or exploring your backyard. If you can’t leave your house, look outside your window or grow a potted plant.
  • Schedule screen time: Put away the devices for designated periods of time each day, including consuming the news. You can still set aside time to get informed each day, but being constantly inundated with information about coronavirus isn’t helpful for your mental, physical, or emotional health.
  • Connect: Just because we’re physically distant doesn’t mean we have to be socially distant too! It’s important to be intentional about our social interactions right now. Video chatting, phone calls, and good old-fashioned letter writing can be incredibly refreshing and invigorating.
  • Help: The fastest path to feeling a sense of purpose? Helping another person!
  • Leave some space: Give yourself enough space in your day/schedule. Even in quarantine, we need down time to do something simply for the sake of enjoyment.
  • Be kind to yourself: Cut yourself a little bit of slack: this is collectively a stressful and uncertain time, so allow yourself to not get everything done, to fall apart, to use kind words when talking to yourself.

MM: We can’t thank you enough! Stay well, Hadlee!

Stay tuned – we will share more from Hadlee in the coming weeks.

Story Time with Grand Haven Area Public Schools

 

Our friends at 92.1 WGHN are hosting Story Time and we are so excited to be involved!

We teamed up with the West Michigan Lakeshore Association of Realtors to sponsor the daily segment with Grand Haven Area Public Schools. Tune in at 8:40 a.m. Monday – Friday to hear some of our favorite stories.

Story Time’s first episode aired this morning. Press play below and enjoy a sweet story with your family.

Health and Wellness

Life Outside of Loans: It’s All About Escapism

My kids and I are obsessed with the new Animal Crossing game.

All my waking hours outside of work have been dedicated to fishing, selling turnips and hunting tarantula. I’m not proud to admit the amount of time we’ve collectively spent building up our new island home.

It has struck me how quickly I became reliant on the game for entertainment, a sense of accomplishment, and even something to bond with my kids over. I’ve wondered why it’s felt so important in my life, and clearly, it’s all about escapism.

Health and WellnessWe look for answers outside of ourselves and our homes, external ways to feel better. Some are healthy outlets (gym memberships, meditation classes), and others aren’t always healthy (Animal Crossing, retail therapy, going to the bar).

Now we’re suddenly stuck at home for weeks on end with restrictions and pressures that most adults have never had to face. We’re adapting to working outside of the office, or not working at all. Many of us have school-aged children that suddenly require us to oversee school work, or maybe elderly family members that are now isolated and without our help.

So, what happens when we combine the added stress while our sources of outside relief disappear?

Where do we find peace in the face of uncertainty?

For a culture that is so ingrained in believing our emotions are controlled by the situations and circumstances around us, this pandemic is perhaps the reset button we need.

Because peace and relief don’t come from the places we go, the things we buy, or what’s being reported on the evening news.

It comes from within.

But it’s so often drowned out with the external sources that many of us are now left in silence, struggling to reconnect with that inner voice, the source of emotional power within each of us that is out of shape and needs to be exercised.

While it’s tempting to just say that these are unprecedented times, and that a little escapism is ok, think about how you want your life to look at the end of this pandemic.

Do you want to have a beautiful home built in an imaginary video game world, or do you want to declutter your actual home?

Do you want to literally stay huddled in your home for weeks, or instead maybe get outside and walk, ride bikes, and try your hand at gardening?

Do you want to come out of the other side of this as the same person and society that went into it, or do you want to double down and come out more resilient and stronger?

Neither answer is right. I’m definitely not saying that I’m giving up Animal Crossing. But there is a choice to be made, and I encourage you to make that choice consciously.

Tips for Building Immunity During the COVID-19 Pandemic

We’re living in uncertain times.

As the COVID-19 pandemic spreads, people are asking what they can do to stay healthy and keep their loved ones safe.

The most impactful things you can do to prevent the spread and avoid exposure are still to:

  1. Wash your hands often with warm water and soap for at least 20 seconds. Use hand sanitizer when you don’t have access to a sink.
  2. Keep your hands away from your face to avoid transferring germs either from others to yourself or from yourself to others.
  3. Clean and disinfect frequently used surfaces like doorknobs, light switches, phones, counter tops, keys, wallets.

It’s also important that we keep our immune systems strong during this time in order to prevent it.

I’m not going to sell you on any products to boost your immune system, as there have not been any supplements shown to prevent COVID-19. I am going to promote lifestyle changes that universally enhance our immune systems and act as an important line of defense if and when we are exposed.

8 TIPS FOR BOOSTING IMMUNITY

Sleep! The most beneficial thing you can do for your immune system at any time is to get enough sleep!! Right now, getting somewhere between 8 and 10 hours is best, getting to bed as early as possible and letting your body sleep as long as it needs.

Stay hydrated. Drink enough water to wash out toxins and bacteria from your body. Avoid drinks that are dehydrating, like coffee and alcohol, as much as possible.

Aim for a consistent routine. Having a regular routine calms the nervous system and reduces stress and anxiety, both of which negatively impact the immune response. So getting to bed and waking at the same time, eating around the same times, and staying consistent with other health practices as much as possible positively impacts immunity. Don’t know where to start in automating your habits? Sign up for a Health Goals Call if you want to figure out next steps.

Avoid sugar and vegetable oils. Both sugar and highly processed vegetable oils (canola, corn, sunflower, safflower, soy, cottonseed, grapeseed, etc.) are toxic in the body and dampen the immune system. Cutting out sugar and vegetable oils as much as possible can be extremely beneficial for health in myriad ways. Cook with coconut oil, ghee, grass-fed butter, avocado oil, almond oil, etc. instead. Opt for foods that don’t have added sugar or vegetable oils in the ingredients list.

Eat immune-boosting foods. Immune-boosting foods are the ones we hear about for staying healthy in everyday life: lots of vegetables, antioxidant– and vitamin C–rich fruits, bone broth, probiotic foods, herbs and spices (i.e., turmeric w/ black pepper, ginger, garlic, oregano, etc.), nuts and seeds, high-quality animal proteins (stay away from low-quality meats from animals that ingest hormones and/or antibiotics in their lifetime).

Set up boundaries for how much information you take in. While it’s important to stay informed, it’s also important that we don’t stress ourselves out too much and thus tax our immune systems. It might be helpful to set a time in your schedule dedicated to looking at COVID-19 updates, and spend the rest of your time doing something else.

Get outside. Being outside in fresh air is great for our bodies, and also does wonders for our mental health, both of which impact our immune systems. Vitamin D from the sun is important for building immunity, and there is evidence that organic compounds emitted by plants called phytoncides also boost immune function.

Practice mindfulness. Meditation and other mindfulness practices both calm the nervous system and boost immunity. For most of us, this is a stressful and scary time, and that stress can tax our immunity. Setting aside a consistent time each day to practice some sort of mindfulness helps mitigate some of that stress and thus buffer the immune system.

Unsure of how to start doing these things consistently? Schedule a Health Goals Call with me to talk about your current lifestyle and next steps for building up the habits to stay healthy. I look forward to speaking with you and helping you take control of your health!

In the meantime, stay safe and healthy everyone!

Guest Blogger Hadlee Garrison, Happy Healthy with Hadlee

Honoring Our Local Educators: Ms. Annie Willard at Oakridge Lower Elementary

MM Gives Back was launched as a way for the Michigan Mortgage team to give back to the community, local and afar.

In the past, our monthly MM Give Back charities were selected by our Employee Superstar of the Month. We donated financially and offered our time and resources.

This year, we’re switching things up! 2020 is the year of Educators.

Each quarter, Michigan Mortgage will recognize a West Michigan educator and donate $1,000 to their school. Honoring education is our priority!

This quarter, we honored Ms. Annie Willard, an SXI Teacher (SXI stands for students that have Severe Multiple Impairments) at Oakridge Lower Elementary.

Ms. Willard, along with a slew of others, was nominated on our Facebook page.

“I would like to throw Rosanne (Annie) Willard’s hat into the ring. Annie works with Severe and Multiple impaired special needs students. I have never met anyone who does more for her students and sometimes, more importantly, their families than Annie. She makes their lives so much better, advocating and arranging for supplies and services to be available to assist these students with some of their most basic necessities like mobility, bathing, and feeding Always looking for solutions, she often spends her own money to make sure the students and their families have what they need. Over the years we have had a few students pass away and Annie is with these students and their families, crying and laughing about the joy these kids have brought right up until the end.” – Renee Warmoth

She is so incredibly deserving of this recognition; we learned that first-hand when we visited her classroom.

“Annie is very deserving of this award because there is no end to the lengths that she goes to for her students and their families,” said Principal Angela Ogden. “Annie has a huge heart and cares for her students and staff as if they were members of her own family.”

Click here to see our surprise visit to Ms. Willard’s classroom!

“I became a special education teacher so that I could make a difference in these children’s lives,” said Ms. Willard. “I push them to their fullest potential and expect great things from them. Their gains may be small and far between, but the challenge is worth it. And it is exciting when they accomplish something that nobody ever thought they could do.”

“My students are my kids,” she continued. “I generally have them for seven years before they move on to the Middle School program. I learn a lot about them and their family. Their struggles, their needs, or just when they need a shoulder to cry on. I have been there for the passing of two of my students. Helping the family during a very dark time.”

On behalf of Michigan Mortgage, Ms. Willard and Oakridge Lower Elementary received a check for $1,000. Ms. Willard plans to use the funds to purchase specialty chairs for the lunch room and sensory items for a new space currently under construction.

“I cannot thank Michigan Mortgage enough for honoring outstanding teachers,” Ms. Willard said. “I love my job and would not change a thing, but it is awesome to be acknowledged for our hard work.”

“My students have made a huge impression on my life,” she said. “I am thankful for them every day.”

Thank you for your commitment to education, Ms. Willard! We are so blessed to recognize you as the first recipient of our Honoring Our Local Educators Award.

Michigan Tax Tips

Tax Tips for Michigan Residents

It’s that time of year again! No, I am not talking about March Madness or the finale of “The Bachelor” … It’s tax time! For some (like self-employed people) that have not been paying quarterly taxes, it is a time to pay the piper. But for the vast majority of us, it is the time of year where we can actually get a tax refund.

Michigan Tax TipsSo, what is the best use of those funds? Like most questions, the answers vary depending on the individual situation. If you are swimming in debt it may be time to pay some of that debt off. If you have not funded your 401(k) for the year, perhaps that money is best used to invest in a tax deferred plan.

If, however, you are not taking advantage of all the benefits, of home ownership, it may be the perfect time to purchase a home. The average tax refund these days is about $2,800. Many loans only require that you put between 1 percent and 3 percent down. This means you may have enough money to close a loan with only the refund.

Did you know that the average monthly rent payment in our area is more than the average monthly mortgage payment?  For example, the average monthly rent in Muskegon (February 2020) is $880. The medium home price is $128,000. After just 3 percent down, the payment with taxes and insurance would be about $830.

So, on average, the monthly expenditure owning a home is less than renting. But even if the payment was higher on the mortgage payment it would most likely still be beneficial to own? Why? Two main reasons: appreciation and amortization.

Appreciation: Appreciation is the rate at which the value of something increases in value. The average appreciation in our area is about 3.8 percent for real estate. For the last five years has been 6.3 percent!  On $128,000, the forecasted appreciation gain in the next nine years (using only 3.4 percent) is $45,466! Compare that to rent where the is obviously $0.

Amortization: The second reason is amortization gain. Remember, while the amount you owe on a mortgage goes down over time and the payment stays the same, on a rental the amount you pay for rent will likely continue to go up.  In 9 years, you’ll pay over $22,000 down on the home. When you rent, you’re just paying down your landlord’s mortgage.

So even assuming the cost of a Real Estate sale’s commission sale of 6 percent, in nine years you are $55,000 richer when you buy a home vs. renting.

Given this, as well as the emotional and text benefits of home ownership, tax time may be a great time to buy.  Call me if you would like to talk further about your specific options.

Michigan Mortgage Supports Dancing with the Local Stars

The 12th annual Dancing with the Local Stars Muskegon event will feature the largest cast to date, including of our very own.

Loan Officer and Co-Branch Manager Dave Lehner is one of 42 local stars teaming up with 11 professional dancers to raise money for local food pantries and programs.

“It’s a fun way to help our local community,” Dave said. “Our office takes pride in giving back and this is a great cause to support.”

His group includes: Nate Johnson, reentry and outreach director for Fresh Coast Alliance; Jonathan Seyferth, Coopersville city manager; Melanie Swiftney, author and director of marketing and communications for the Grand Haven Area Community Foundation; Patti Winsemius, dance instructor at Cassell Training Center.

His professional dance partner is Carly Switzer, diagnostic medical sonographer at Spectrum Health Butterworth and Blodgett Hospitals, a seven-year participant of the event.

“The practices are fun but hard,” Dave said. “We have to learn a lot of moves and keep the beat at the same time, but we will be ready to perform for the big night!”

Last year, the Muskegon event raised more than $135,000. Dave hopes to help raise even more money this year. Dancing with the Local Stars has raised over $1 million since its creation.

“Our goal is to beat the amount we raised last year,” said Shawn Norden, Michigan Mortgage Loan Officer and Dancing with the Local Stars Co-Chair of the Sponsor Committee. “Right now, we are on record pace! We could not do any of this without the help of our event sponsors.”

Much like Dave, Shawn has recognized a hunger issue in our community and is willing to do anything she can to help.

“We donate the funds collected from this event to food pantries and programs in Muskegon County, Northern Ottawa County and Southern Oceana County,” she said. “These recipients depend on our funds every year.”

Performances will take place the evenings of February 27-29, with an additional matinee on Saturday, February 29. Tickets went on sale on January 2 and sold out within days.

“I am looking forward to laughing, getting laughed at by my friends and family and showing off my dance moves,” Dave said.

If you’d like to donate, stop by our office and look for Dave’s decorated box. Thank you in advance for your support!