Brooks & Crowley September 2017

Dealing with Stress Learn Healthy Coping Mechanisms That Put You in Control

You have more control over stress than you think. Stress management is about taking charge of your lifestyle, thoughts, emotions, and the way you deal with problems. No matter how stressful your life seems, there are steps you can take to regain control. IDENTIFY SOURCES Chronic stress is hard to recognize. Look closely at your habits and excuses. Do you explain away stress as temporary? Do you define stress as an integral part of your life? Do you blame your stress on others? If you don’t recognize your role in creating or maintaining stress, you will never be able to control it. FIND HEALTHY STRATEGIES Withdrawing from loved ones, bingeing on food or alcohol, procrastinating, and sleeping too

much are all unhealthy ways to deal with stress. Instead, find unique, healthy coping strategies. Focus on what makes you feel calm and in control. AVOID, ALTER, ADAPT, AND ACCEPT Some stressors are predictable. Learn how to predetermine your reactions by choosing to avoid, alter, adapt, or accept. Avoid people or situations that stress you out. Talk about your feelings instead of bottling them up, create a balanced schedule, reframe your problems, look at the big picture, and practice gratitude. It’s critical to look at the glass as half-full and learn to forgive. MAKE TIME FOR RELAXATION Nurturing yourself is a necessity, not a luxury. If you make ample time for self-care, you will be

in a better place to handle life’s stressors. Give yourself options like going for a walk, calling a good friend, journaling, or reading a book. LIVE A HEALTHY LIFESTYLE In addition to regular exercise, there are other healthy lifestyle choices that can increase your resistance to stress. Eat a healthy diet; reduce caffeine and sugar; avoid alcohol, cigarettes, and drugs; and get enough sleep. Stress is unavoidable, but it doesn’t have to dictate your life. With stress management techniques, you can avoid chronic stress, reduce your stress levels, and live your life to the fullest.

Solar Leases Can Affect Property Sales It’s not easy being green, and if your green scheme involves leasing solar panels — which is cheaper than buying them — you should be prepared for it to make selling your property more difficult. be transferred if you sell. And many lenders — and buyers — see leased panels as a liability, not an asset. Lenders won’t let you include those panels in the property value, and they’ll require that you go to the solar panel company and get them to sign off on a lot of stuff before you can transfer the lease. That company may or may not agree to the lender’s terms, especially if the panels were leased prior to 2016. If they don’t, you’re the one left holding the bag. Under a solar lease, you pay a solar panel company to install panels on your property. The company owns those panels, and you pay a monthly fee to lease

them (or buy energy from the company at a set price) for a period of decades until you own the panels outright. Here’s the problem: These solar panels don’t add any value to your property. All tax breaks, rebates, and financial incentives go to the company (since the company owns the panels), and they cannot

In addition, many of today’s buyers are wary of leased solar panels in general. Often, companies install the cheapest panels possible with a life expectancy that’s not any longer than the lease, knowing that these panels will lose their effectiveness over the next 20 years. By the time the property owner “owns” the panels, they’ll be worthless. When it comes to solar panels, it’s worth it to buy quality — but if you lease your panels, you don’t have any say over that decision.

Be aware of how solar panels — especially leased panels — can affect your property value and the ease of sale. And contact us if you have any questions.

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