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The Mortgage CHICK Most of us have the goal of paying off our homes as soon as possible. The first thought is refinancing into a lower term. Not so fast! Did you know you could pay off your home more quickly just by paying more a month? Everything over your initial payment goes straight to principle. Example: Loan amount $260K, 30-year term, 4 percent rate. P&I payment would be $1,317 a month, paying $214,257 in interest over the life of the loan. If you paid an extra $500 a month, you would pay that loan off in 18.4 years and save almost $90K in interest. That gives you flexibility when needed, all while still paying your home off early. Now that’s a good mortgage. KIESHA McFADDEN C H E C K I N G I N W I T H THIS MONTH’S TIP /// HEALTHY LIVING After continuously searching for ways to find balance in my life, I realized that things didn’t have to be as complicated as I was making them. I started paying more attention to the connection between my mind, body and soul, and I discovered what an influential role these elements play in our overall well-being. My family, my career and my community. Once I identified what matters most, it was easy to find a balance between the three. Instead of feeling I had to choose between them, I began attending hands-on community activities with my daughter, and that has been so fulfilling for us to share. Geneva Financial launched “Geneva Gives,” which is a great way to integrate my career with what I love most. Kiesha McFadden , Senior Loan Officer 480.252.9365 | Kiesha@Genevafi.net NMLS #198458 Branch Address: 7272 E. Indian School Road, Suite 540 Scottsdale AZ 85251 Corp Address: 3155 S. Price Road, Suite 105 Chandler, AZ 85248 ©2020 Geneva Financial, LLC. AZ BK #0910215 • NMLS #42056 OFFICE DOORS CONTINUED 2 p.m. >> A BRIEF EXHALE Juli: The kitchen closes and then the café closes at 4 p.m. I’ll usually bring food over and sit down as this is the first and only time we eat all day. By 2 p.m., we take a deep breath since we’ve been going a thousand miles an hour. Once a week, I drive to Mesa to go to the market and get all the produce. 7:30 p.m. >> THE HEARTBEAT OF A COMMUNITY Juli: When we go home, we feed and play with our kitties. We fall into bed and I set my alarm for every hour and a half so I can wake up to do a load of laundry, including aprons, towels and rags so that I can bring it back in the morning. We had no idea the community that would form around the café. It has become the focal point and a hub of positive energy that brings people together. To learn more, go to cafecultivate.com . The Bryans created Café Cultivate after their son Oliver ( far left ) sustained a head injury. They are shown here with their other sons Dain, Alec and Dustin. Julie Coleman CONTRIBUTING WRITER juliecolemanconsulting@gmail.com