New Year’s Resolutions and Organization: See Success

New Year’s Resolutions and Organization: See Success

This New Year, you may be like most Americans and make a resolution. If so, your New Year’s resolution may be to get organized. Organization is a problem that many have and want to fix. What better time to get organized and start fresh than the New Year?

Taking the step of declaring organization as your New Year’s resolution is a huge step. You should be proud. If you want to increase your pride and see success, you need to do more than just say “I want to get organized,” you need to make it happen. So, how you do transform your New Year’s resolution from a goal into a reality?

Determine what areas you want to organize.

This is important as organization is difficult if you do not have a plan of attack. You are more likely to see success when you have a guide to follow. Start that guide by determining which areas of your life you want to organize. Do you want to de-clutter your bedroom, clean out your car, or organize your office?

Create a to-do list.

As previously stated, being organized involves a lot more than targeting just one room. Some want to do their whole house, office, and car. If you are one of those individuals, create a to-do list. This will increase your chances of success. Having a guide to follow is important. To make your to-do list, start with the above mentioned headings. Write down each area of your home you want to clean, as well as your car, office, garage, pool house, and so forth.

Create a plan of action. The first step in becoming organized is to rid yourself of clutter. You need to find an appropriate place for items. For example, eliminate that stack of files on your office desk by purchasing a filing cabinet. In your home, you may need to get rid of things or move items around, like into storage. For your home, be sure to have a clear plan in place, as this is the hardest place to get organized. Have a pile for things you want to throw away, donate, or sell.

Expand your to-list.

As previously stated, you should create a bunch of headings for your to-do list. For example, your child’s bedroom or playroom. Before setting foot inside the room to clean and organize, know what you need to do. This keeps a project that should only take two days from turning into a two-week project. Your detailed list can include sorting your child’s clothes and donating those that no longer fit, collecting old toys to sell or donate, and so forth.

Take it one step at a time.

As mentioned above, being organized is a huge, but important task. If you want to organize and de-clutter your entire home, it could take you months. If you try to rush the process, you will get overwhelmed and see poor results. Does it take a month for you to clean out and organize your garage? If so, that is fine as long as it gets done. When dealing with your entire house, start with one room and work your way out. If using a to-do list, cross each task off once you finish.

Share your New Year’s resolution with others.

Organizing your home and keeping it organized is not something that can be done alone. Not only share your New Year’s resolution with others in your home or office, but share a few tips on how they can help. For example, is your husband known for tossing mail off to the side? Buy a desktop sorter and encourage him to use it. Do you have a small child? They are never too young to learn about cleaning up their toys or helping in the process.

Practice healthy habits.

You can organize your garage, but it can be unorganized in as little as two months if you aren’t careful. That is why you should use organization tools to your advantage, like storage shelves. These great tools, when combined with use, can ensure you not only meet your New Year’s resolution of getting organized, but make it a lifelong habit.

Happy New Year 2018.  I am glad that you visited this website  to read this New Year’s Resolutions and Organization: See Success article post. I hope you and your family have a really  Good New Year 2018.  Cheers!

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Which States Have The Most Mortgage Fraud

In a recent blog post by CoreLogic, the real estate consultancy has determined the regions of the U.S. that have the highest correlation with the National Mortgage Fraud Risk index.  The regions that are most highly correlated with fraud risk are areas that will be the best predictors of nationwide mortgage fraud.  In fact, one can look at a few highly correlated regions to predict fraud risk on a national scale.
The heatmap (figure 3) shows the correlation of each region to the National Trend.  Mousing over a region shows the region name, the tracking score, and the percentage level of the lowest to highest possible tracking score (-1.0 to 1.0).  The heatmap has two layers (that can be toggled in the top-right menu of the map), one for state and one for CBSA.  The CBSAs are limited to the top 50 CBSAs based on population.

California and Maryland have the highest correlation with the national trend for risk (see figure 2). 

The two states have tracking scores of 0.49 and 0.47 respectfully.  To put this in perspective, the next highest correlated state is Massachusetts with a tracking score of 0.1.  All other states have a tracking score less than a 0.  When California and Maryland are combined by averaging, the tracking score climbs to 0.72.  The correlation typically increases the more regions that are added because the national score is a combination of all regions.  However, the combined correlation gets worse when combining more states in descending order of correlation. It requires combining more than 6 states before it becomes better than combining California and Maryland alone.
Finding the states that are correlated is good but looking at smaller
regions is better.  Smaller regions have a reduced number of
contributing fraud factors to analyze.  Along with the states, CoreLogic also
looked at the correlation for metropolitan areas, commonly referred to
as core-based statistical areas (CBSA).  Utilizing the same process, the
number of CBSAs that best fits the national trend can be reduced to
three.  CBSAs are smaller than states and are less likely to be
predictive of the national trend (see figure 1). 

However, combining
only three CBSAs provide a strong correlation to the National Fraud Risk
Trend.  The three CBSAs are Baltimore-Columbia-Townson with a tracking
score of 0.43, San Francisco-Oakland-Heyward with a tracking score of
0.26, and San Diego-Carlsbad with a tracking score of 1.6.
Boston-Cambridge-Newton is the only other CBSA with a tracking score
higher than 0.   The top 3 CBSAs combined has a tracking score of 0.64. 
Combining more CBSAs will slightly increase the correlation percentage
but not significantly.  There are 935 CBSAs in the Nation and the top
three most correlated CBSAs only cover 12.2 Million out of 319 Million
people (3.8%) in the US.
According to CoreLogic, the national trend is not influenced by the largest population CBSAs as one might expect, due to more fraud instances given a larger volume of mortgages.  The top three CBSAs based on population (New York City, Las Angeles, and Chicago) with the highest of the three having a tracking score of -0.96 and a combined tracking score of -1.0.  The same is true for CBSA’s with the highest fraud risk (Miami, Daytona Beach, and New York City), each one having a tracking score of -1.0.
Understanding the highly correlated regions helps to identify the contributing factors that lead to fraud.  When looking across the nation, the number of potential factors is large and with the combination of the factors, the number becomes very large.  This make it almost impossible to find the contributing factors.  It is useful to see that the correlated regions are limited to just a couple of CBSA because it might reduce the number of potential factors to the point allowing analysts to identify the contributing factors.  
* * *
Meanwhile, a separate analysis from Bankrate has revealed the Top 10 states for mortgage fraud: it found that Florida led the way by a large margin, with eight times the number of expected mortgage fraud investigations, according to the LexisNexis Mortgage Fraud Index. Nevada came in second, with just more than 2.5 times the number of expected investigations. Those two states showed some of the worst declines during the collapse of the housing bubble.

New Jersey  
New York   

The most common type of mortgage fraud involves false information on applications, according to the FBI. This category includes incorrect borrower names, lies about the borrower’s job or income, misrepresentations about debts or assets, mismatched signatures, invalid Social Security numbers, and untruths about occupancy — in other words, the borrower says the home will be a primary residence when it’s really an investment property.
Other common types of fraudulent activity include: lying on tax returns and financial statements; Appraisal fraud; False information about the borrower’s bank deposits; Faked verifications of employment; Fraudulent escrow or closing documents; Falsified credit documents.


In Nationwide Address, Trump To Unveil “New Path Forward” On Afghanistan Tomorrow

With the anti-neocon Steve Bannon out, and nobody left in Trump’s inner circle to halt the simmering push for war in Aghanistan, North Korea, the Middle East and virtually everywhere else courtesy of Generals Kelly and McMaster, this morning Reuters reported, quoting Defense Secretary Mattis that Trump has a made a decision on the United States’ strategy for Afghanistan after a

China’s Plunge Protection Team Holds $150 Billion In Stock, Claims “State Meddling” Stabilizes Markets

It was two years ago, in June of 2015, when just as the Shanghai Composite was flirting with 5,000 and when literally the local banana stand guy was trading stocks, that the Chinese stock bubble burst, unleashing an unprecedented selling spree, a 40% drop in just two months, and Beijing’s nationalization of the stock market, courtesy of the domestic plunge protection team, the China Securities Regulatory Commission also known as the

Gold Coins Have Been South Africa’s Best Investment For 50 Years

In the 50 years since the first Krugerrand was minted in South Africa, the gold coins have turned out to be one of the best investments in the country.

As Bloomberg reports, the Krugerrand originally sold for 27 rand (then worth $35) back in 1967. One ounce of gold is now worth 16,840 rand ($1,273), boosted by a combination of rising global gold prices and a depreciating local currency.
Since 2000, the rand value of the coin has outperformed local property, the stock market and gold priced in dollars…

Which is exactly what it should do as a preserver of wealth as faith in fiat dissolves.
However, there are further fundamental reasons to support gold gains from here…
Gold supply from mines has fallen

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