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Ask The Expert

7 Secrets Of Health

By Conrad Bui

Spoiler alert: you already know, on some level, most of what I am about to tell you. When it comes to the “secrets of health,” there aren’t many secrets anymore. In fact, passing along health information is a multi-billion-dollar enterprise that you can’t ignore even if you try.

So why should you read this article? Because we all need reminders about the things we already know! In our fast-paced world, it is all too easy to forget the basics, so here they are:

1. Drink plenty of water. Staying hydrated, especially in a dry climate like Colorado, is imperative. Getting sufficient water intake helps your energy level, makes your skin look younger, and even helps with your spinal health!

2. Eat the right foods. Load up on those dark green veggies! Eating a healthy and balanced diet that is rich in raw vegetables strengthens your immune system during cold and flu season and has been shown to help prevent a large variety of different illnesses and diseases.

3. Get outside. A dose of fresh air and sunlight can do wonders for your mental state. Even a brisk walk around the block can help, especially in the winter months. Of course you want to take precautions against sun damage, but getting your daily dose of vitamin D has more benefits than I could possibly name.

4. Since we’re talking about walking around the block, this is a good time to mention exercise. From toddlers to grandparents, we all need to move more. It only takes a few minutes a day to establish habits that can offset the dangers involved in prolonged sitting. If you are a desk worker, make sure that you are taking mini breaks throughout your workday to stretch your neck, shoulders and back. Also, do a few squats with coworkers as you stand around the water cooler- your body will thank you!

5. Don’t forget your mental health. The chronic stress we all deal with takes a large toll on our bodies. Find a way to cope with it by doing yoga, meditation, or whatever relaxes you. Learning what eases your mental burden is one step towards a happier, healthier life. Also, pursue additional learning –  whether you take a class or read a book, keeping your mind active is just as important as keeping your body active.

6. Get enough sleep. Most adults need at least eight hours of sleep per night, but get less than seven. This creates a state of fatigue and confusion that leads to problems, both physically and mentally.

7. See a chiropractor. Your nervous system controls every function of your body, treat it well! You only get one spine, and a chiropractor can help you avoid discomfort, pain, even nerve damage.

Dr. Conrad Bui is with Aim High Chiropractic, 7200 W. 44th Ave., Wheat Ridge; call 303-423-1925 for a free consultation. AIM now offers Laser Lipo – Fat loss treatment.

Divorcing Your Mortgage

By Wanda Norge

This topic is always tough. Breaking down the numbers, for every 10 people married, four of them will be getting divorced within the first seven years of wedded bliss.

Divorcing clients need guidance for their pre-, during and post-divorce housing situations since there can be impacts if they make the wrong decision or get the wrong advice.

When there is a marital home (or other real estate) involved in a divorce, the question that comes up is, “What do we do with the marital home?” One person may want to buy out the other person and retain the home. Or perhaps the marital home will be sold with the proceeds and costs split by each party.

Be careful about the timing. For example, if a property is purchased while “separated,” but not divorced, the other spouse could petition for half of that property later including any value increases that may have occurred since purchase. Since the couple was not legally divorced at the time when the purchase occurred, the real estate is still “marital property.” That can come into play as an asset that needs to be “split” in order to give the other spouse his or her share of the equity.

Many lenders will not do a new mortgage if there is just a “separation” agreement. They can require the divorce to be finalized first. This protects the lender and all parties so there is no question about any changes that could occur when a divorce has not been finalized. Those lenders that do allow separation agreements will require them to be legally recorded.

Guidelines vary with different loan types (FHA, conventional, etc.) in terms of how long child support, alimony or maintenance payments must be received in order to use that income to qualify for a loan, along with how long it must continue.

It is important to include a lending professional that can provide accurate information to the attorney in regards to the wording that lenders are looking for in the divorce decree or separation agreements regarding these topics.

There are also potential legal and tax implications involved on how to handle mortgage-related tax deductions or how to handle 401(k) distributions. The administrator for the 401(k) plan has to approve the Qualified Domestic Relations Order (QDRO) in order for the person to take advantage of a tax law that allows withdrawal of retirement money without paying a 10 percent penalty.

I often get calls from Realtors or clients that say they are getting conflicting information about the mortgage rules when in a divorce situation. Or worse – they have already been given bad advice and a contract or refinance is now falling through. Let me know if I can assist with your divorce lending questions.

Wanda Norge is a Mortgage Consultant and Certified Divorce Lending Professional (CDLP) with Equilane Lending, LLC (NMLS: 387869), lending for 14 years. Contact her at 303-419-6568, or NMLS:280102, MB:100018754