My First Boise Idaho Home Loan – Boise Mortgage Loans

Boise, the capital of Idaho and its largest city with a population of over 200,000, sits at the base of a mountain range on the Boise River. Boise – Les Bois or “the trees”-was named by French trappers in the 1800’s when they came into the Boise River valley.

The elevation of Boise is 2,842 feet above sea level and is considered “high desert” with temperatures ranging from an average range of 22 – 36 degrees in January to 58 to 90 degrees in July. The Boise valley receives an average of 12 inches of precipitation per year. Boise’s climate has four definite seasons but rarely receives snow. However, snow in the mountains surrounding the valley provide numerous opportunities for outdoor activities. There isn’t a better place to be a first timehome buyer.

The Boise School District offers outstanding schools which serve over 25,000 students and employs 3,900 people including 1,700 certified staff. Their purpose statement – Educating Today for a Better Tomorrow – speaks to the district’s commitment to provide a quality education to all of its students.

Boise offers outdoor enthusiasts many opportunities. For bikers, hikers, and skaters, the Boise greenbelt, miles of paved pathways along the river’s edge, provides glimpses of the beautiful scenery and wildlife in the area. In addition, miles of paths in the foothills north of Boise are another avenue for bikers and hikers.

“Floating the River” is another activity for summer-time enjoyment. Barber Park, east of Boise, is the place where those seeking to escape the summer heat can launch on the Boise River for an afternoon of water refreshment. Bring your own raft or inner-tube or rent them there. Nothing better than the cool of the river on a hot summer day!

• Boise Area School Districts
• Local Entertainment
• Outdoor Activities
• Boise Restaurants
• Boise Moving and Storage Companies
• Local Utilities
• Boise Social Networking Businesses
• Boise Networking Groups

Check today’s rates for Boise First Time Home Buyers

Craig Ballhagen-Guild Mortgage,-Boise-208-713-3309-

To learn more about Guild Mortgage and myself please visit my other site.

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“How can you have any pudding if you don’t eat yer’ meat?”  (Pink Floyd).   It seems, these days, most people don’t want to eat their meat and just go straight for the pudding.  Everybody wants a “short cut” and nobody is willing to put in the time and sacrifice.  From dieting to spending habits, quick fixes are not the answer.   

We continue to eat anything and everything, and at the end of the day, take a “pill” and do it all over again tomorrow.  This strategy will never work in the long run.  The only weight loss solution is to EAT LESS FOOD.  This is much too simple for some and they think that their situations are “different” and their problems are much more complex; hence the reason for the “Magic Pill” or gimmick.   True weight loss is a change of lifestyle (sacrifice).  Most refuse to make the change and will continue to go down the same destructive path—year in and year out. 

Spending habits are another aspect of people’s lives that can be very destructive and can even lead to divorce. 

Once again, it all comes down to lifestyle and doing without. (once in a while won’t kill you).

 I recently checked a person’s credit report and there were collection accounts for jewelry stores, flower shops and electronics.  That person has no business making these types of purchases. However, it is often justified by using the “I’m entitled to” or “I’ll worry about paying if off later” defense.   If all else fails, some use the “why not file for bankruptcy” reasoning. Most of the purchases people make are unnecessary junk that make them “feel good” for about 10 or 15 minutes.   What will it take for people to stop this insanity? 

When it comes to mortgages, how many homeowners took tens of thousands of dollars of equity out of their homes with a cash-out refinance,  spent it on more “junk,” and are now singing the “I can’t make my payment” blues.   Once again, it all comes back to a change of lifestyle.  If a person doesn’t know how to budget, save and eat less food, then how can they possibly teach their children and future generations?

Something’s gota give.

Guild Mortgage – Boise Home loans – Craig Ballhagen                      208-713-3309                        

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

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How many times have Moms (and Dads) heard this from their children–day after day?  Mom, what are you making for us?   Parents everywhere work hard to provide their families with three hot squares every day. 

When you have small children, they have no idea the effort and planning that goes into each meal, not only daily, but weekly and monthly!  They are too young to appreciate just how hard Mom really works to master this task. 

How many heads of household know how much the family breakfast costs per plate?  How much is that bowl of oatmeal—twenty-five cents? Fifty cents?  People should be able to calculate the cost of each serving if they pay close attention to their total monthly food budget. If not, here are a couple websites that may be of help- Meals Matter or Mommy Savers.

Having the ability to control the grocery budget and organize a family meal is a virtue that is slowly being lost from one generation to another.  When a family does have total control, it can be the difference between making the next mortgage payment or not. 

A family that has no control probably spends twice as much on food as a family that budgets.

Here is a great site for more meal planning ideas http://www.e-mealz.com/  -thanks Brian for the tip!

A penny saved is a penny earned.

Other posts like this one-

• Is Your Receptionist a “Wee-otch”?
• OOPS! I Just Ate My Mortgage Payment
• Salesperson Rule #1 Answer Your Phone!
• Why Do We Do What We do

Guild Mortgage – Home loans Boise – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

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Why DO we do what we do day in and day out?  How many times a day do you ask yourself that question?  We are up at the crack of dawn in preparation for another day in the working world and all too often coming home AFTER the kids have gone to bed.  Those are precious moments that are gone forever. 

Why do we do this?  Is the motivation money?  If that is the reason, then you had better be saving some serous dough and paying off some debt.  If not, what is the point?  Do you spend every penny you earn?  Maybe a person should get rid of those materialistic possessions that require more hours of hard work and  use that time with family.  How much stuff does a person really need?  A bigger house or another suv?  There is no end.

Is your driving force notoriety and public recognition?  That is most certainly fleeting.  Our sense of accomplishment and making positive contributions to the community should be enough. 

My personal motivation is my children.  Regardless of what kind of day I have had, all I need are two tiny arms squeezing my neck and a beautiful little voice asking me how my day was.  That is my payday.  Children are a person’s most important asset and should be the top priority, not a job or a hobby.   

A very wise man (my Dad) once said, “The only people who will come to visit you when you are in the retirement home, are your children,”  no one else!  After the money is gone and the accolades have faded, your children are all you have and will always be by your side.  Take care of them now, not after you have made your first million.

Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

 first video

Other posts like this one-

• Is Your Receptionist a “Wee-otch”?
• Mom! What’s For Dinner?
• OOPS! I Just Ate My Mortgage Payment
• Salesperson Rule #1 Answer Your Phone!

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Welcome to the Boise School District. Here you will find outstanding schools in a district on the leading edge of education. We serve 25,000 students and employ 3,900 people, of whom 1,700 are certified staff. Our purpose statement of Educating Today for a Better Tomorrow symbolizes our commitment to provide the finest education possible for every student.

The Independent School District of Boise City

District Services Center
8169 West Victory Road
Boise, Idaho 83709

Telephone (208) 854-4000
FAX (208) 854-4003

Who Do I Call?
School Maps & Locations | District Services Center Map
Administrative Office Phone List
Educational Services Phone List

Email Addresses
Please use the following convention to email our staff:
firstname.lastname@boiseschools.org

• Boise School District
• Boise Area School Districts
• Local Entertainment
• Outdoor Activities
• Boise Restaurants
• Boise Moving and Storage Companies
• Local Utilities
• Boise Social Networking Businesses
• Boise Networking Groups

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Guild Mortgage – Boise Home loans – Craig Ballhagen 208-713-3309

Idaho First Time Home Buyer Instant Gratification

Request for No Obligation Boise Home loan Analysis

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