Homeside Financial - January 2020

NMLS #111660

January 2020

1051 13th St. SE, Hickory, NC 28602 • 828.229.7877 •


F rom the time I was young until I didn’t ever mean for them to bring about any lasting change in my habits. For me, resolutions became synonymous with mere ideas or thoughts without any actual drive to change behind them. That’s why every year, instead of making resolutions, I go through the process of setting goals. Goal setting is different from making resolutions in a few ways. For starters, you don’t wait around until the very end of the year to set goals for the next year. I started working on my goals with my team at the office back in November. We started opened my first business, I made New Year’s resolutions every year. When I first started making them, I just did it because my friends and family made them. I

to your notes with fresh eyes and gain a new, less muddled perspective on exactly what you need to change in the upcoming year. Once I transcribe my scribblings into clearly defined goals, I can start to formulate a plan for how to reach those goals. A major part of that process is creating a series of smaller, more specific goals to strive for on the way to the major goal — things I can accomplish in a month, a week, or even a day, to give myself a way to measure my progress. One thing I’ve realized about goal setting over the years is that you have to look at your goals in the larger context of your entire life, not just your work environment or your home environment. If you don’t take into account the ways your work goals will affect your home life or the ways your personal

“You don’t have to make NewYear’s resolutions just because everyone else is making them or because you feel like you should. But, you should set goals for yourself so you can continue to learn and grow at home and in your workplace.”

You don’t have to make New Year’s resolutions just because everyone else is making them or because you feel like you should. But, you should set goals for yourself so you can continue to learn and grow at home and in your workplace. I hope this year is a year of growth for all of you. Happy New Year’s!

by dumping all our ideas and goals for 2020 onto paper. I must have taken 10 pages of handwritten notes that day, though none of it had any corrected grammar, syntax, or punctuation. But that’s not where goal setting ends. You want to have some time between the initial stages of goal setting and the end of the year because you need time to let your ideas and goals sit. After a little while, you can come back

goals will affect your work life, those goals will fall apart. With any goal you set, you should always try and look at the bigger picture. While talking about goal setting might seem useless now that it’s already January, the nice thing about goal setting is you can do it at any point of the year. Resolutions will forever and always be tied to Jan. 1, but if you have a goal worth striving for, you shouldn’t wait until the new year to start.

-Jamie Harrington



Mortgage Made Easy!

Help Your Kids Achieve More This Year With Simple and Actionable Goals

With every new year comes an opportunity to reinvent ourselves or start down a new path toward self-improvement. Making resolutions is a big part of many families’ NewYear’s traditions, and parents often have a desire for their kids to take part in that tradition when they’re old enough. Following through on resolutions is tough, especially for young children, but with your help, they can achieve their goals.

more around the house” incorporate good values but don’t include any actionable steps. Help your kids think of tangible ways to act on those goals. For example, if they want to be tidier, a good resolution might be for them to clean their room once a week or take responsibility for one household chore every day.

Don’t do all the work for them.

Practice what you preach.

While it’s important for you to help your kids formulate their goals, be sure that you aren’t taking over. If they’re ultimately responsible for their resolutions, they’ll feel more compelled to keep them. Instead, suggest different goal areas they could improve, such as home, school, or sports, and let them elaborate. When it comes to creating habits, nobody is perfect, so even if your kids falter on their goals in the middle of February, don’t worry. The important thing is that you continue to encourage them every step of the way.

You are your children’s role model for almost everything, including following through on NewYear’s resolutions. So, ask yourself if you follow through on your own resolutions. When you proclaim that you will read more books or finally get a gymmembership, do you actually try to do it? Your kids will assign as much importance to NewYear’s resolutions as you do, so by sticking to your own commitments, you can help them stay on track, too.

Keep things simple and achievable.

When your kids are forming their resolutions, their first attempts will probably be very broad. Statements like “I want to be more kind” or “I will try to help

Education on the Unexpected A Teacher Learns How to Buy Her First Home

As a first-grade teacher, I love working with kids. I decided to become a teacher in college when I realized I liked working with kids more than I liked working with adults. They always keep me on my toes, and they find new ways to make me laugh every day. One day teaching is never the same as the next, and while it may sound a little nerve-wracking, it’s kind of fun not knowing what to expect. I also didn’t know what to expect when I decided to buy my first home — and that wasn’t fun. I never thought that at 22 years old I would be buying my own house, but after renting an apartment for a while, I realized I wanted a place of my own. Plus, I had three dogs and a cat I knew would love more space. Since I didn’t really know where to start, I turned to friends and family for advice on buying my first home. Ashley, a friend of mine, had just

bought her first house over the summer, and she recommended I talk to Jamie Harrington at Homeside Financial. I also talked to my dad, who is a small business owner. He had also worked with Jamie before and recommended her to me as well. He also knew about the Homes 4 Heroes program through a friend of his and told me that since I was a teacher, I could save some money on my new house. Even though I was nervous to start the process, Jamie made everything so straightforward and easy to understand. I could call her with any questions I had, and if I needed an advisor for a specific part of the homebuying process, she always gave me great recommendations. I’m so thankful to Jamie and Homes 4 Heroes for making the entire process worth the work and for helping me buy my adorable first home.

—Rachel Thompson


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Natural Remedies for Stuffy Noses DON’T LET CONGESTION GET THE BEST OF YOU

Nasal congestion can have many different causes, including allergies, colds, or the flu, but the symptoms are often very similar: sinus pressure, headaches, and a stuffed-up nose. This is the result of membranes in your nasal passage becoming irritated and your body responding by producing mucus to try and flush out the irritants. Unfortunately, that response also causes nasal congestion. This is intensified by winter weather when dry air and heaters can further dry out your already irritated nasal passage. So, what is the best way to ease nasal congestion and sinus pressure? Try these at-home remedies that focus on moistening your nasal passage.

Flush Your Nasal Passage

Use a saline nasal spray or a nasal irrigator, like a neti pot, to flush and moisturize your nasal passage. These devices flush out allergens and keep your nasal passage moist, easing congestion and preventing further buildup. When using a neti pot or other nasal irrigator, always use sterile, distilled water or water that has been boiled and cooled.

Have a Wonderful

Maintain Moisture

Humidifiers add moisture into the air, creating a more humid environment, and can be especially helpful if you have a forced-air heating system. Try using a humidifier or vaporizer when you sleep. You may also find a warm compress helps ease congestion: Soak a washcloth in warm water mixed with a couple of drops of eucalyptus essential oil (consult the oil distributor for the exact ratio), then place the washcloth over your nose and cheeks for several minutes. Drinking plenty of water and sleeping upright at night can also help ease further congestion. While over-the-counter decongestants can temporarily help ease congestion, they are not intended for long-term use and may further dry out the nasal passage. Adding and maintaining moisture is the best way to prevent or ease sinus congestion. If the problem persists, talk to your doctor.



Mortgage Made Easy!

1051 13th St . SE Hickory, NC 28602



More Than a Thought or Idea: Goal Setting


Helping Your Kids Make New Year’s Resolutions

A Teacher Learns How to Buy Her First Home


Happy New Year!

Natural Ways to Ease Sinus Congestion


Meet the World’s First Airport Therapy Pig


Imagine you’re navigating a vast airport on a busy Saturday, shouldering your way through crowds and struggling to hear the PA system over the clatter of 1,000 wheeled suitcases. Suddenly, you see a pig wearing a hot pink sweater waddling toward you on a leash. Do you stop in your tracks? Does your stress level drop? Do you laugh out loud when you see its pink nail polish? If you answered “yes” to any of the above, then you can sympathize with the passengers, pilots, flight attendants, and staff at the San Francisco International Airport. They get to enjoy visits from Lilou, the world’s first airport therapy pig, on a regular basis! As part of the Wag Brigade, the airport’s cadre of (mostly canine) therapy animals, Lilou wanders the airport with her humans, bringing joy, peace, and calm to everyone she meets. Lilou may be the only pig of her kind, but airport therapy animals have been a growing trend for the last few years. According

to NPR, as of 2017, more than 30 airports across the U.S. employed therapy dogs, and these days, estimates land closer to 60. The San Jose and Denver airports have therapy cats, and the Cincinnati/ Northern Kentucky International Airport even offers passengers the chance to play with miniature horses before boarding their flights. Therapy dogs started appearing in U.S. airports after the 9/11 terror attacks, which changed American attitudes about flying. They did so well at helping passengers calm down that airports began implementing permanent programs. Some have pets on hand 24/7 to assist passengers, while others host animal visits every few weeks or months. These days, regular travelers have fallen hard for their local therapy animals, many of whom even have their own Instagram accounts and hashtags. So, the next time you’re traveling, keep an eye out for a friendly pup, cat, pig, or horse to pet. A bit of love from an animal just might improve your trip!


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