June 5, 2011

Short Sale or Foreclosure

Tips you will need to know

  1. Do not abandon your property.
    Taxes are very different for Principle residence and non principle residence.
    If you leave the property early, you may lose a lot in taxes and the tax man never stops coming after you. Penalties and interest add on each and every day!

  2. Don't talk with strangers or open your door to them.
    It is usually a scam. They call themselves, "Investors."
    I can assure you the rip off is coming. I hear about another one almost every day.

  3. Do not sign anything you do not fully understand.
    Many scam artists try to scam you out of your house and use your property for all sorts of things and never pay your loan or even consider talking to your lender.
    If they do call your lender they offer far less than your property is worth and the lender will never accept the offer. It is a fools game.

  4. Don't wait to do a Short Sale.
    Time is very limited and not on your side. You need to sell your property and close escrow before the final foreclosure date!
    The foreclosure date is 111 days from the date of the NOD aka Notice of Default.

  5. If the Banks are harassing you with phone calls, under the fair credit act, it is your right to make a written request to your lender to only contact you by mail if you wish to stop the calls.
    You may have to write any collection agencies as well if any loans get turned over to them.

  6. If your property is foreclosed, you will not be thrown out onto the street in one day. You will be met usually by a REALTOR working for the bank, who will ask you nicely to leave and usually give you some time, such as two weeks.
    However, If the property appears abandoned your contents will be removed and brought out onto the driveway and thrown out.

  7. For many of you in Denial which is very normal, I can assure you the bank will foreclose on your property and the average time the foreclosure begins is around 4 months. The start of foreclosure is called the Notice of Default, and is filed with the county in which your property is located.

    You can ask me by email if your house has had a NOD filed.
    Simply email me your full address, and full name, and ask has NOD been filed?

    It is not smart to wait for this to happen if you think you may qualify for a short sale. Start the short sale as soon as you know you can no longer make your payments.

  8. Short Sales are usually, at no out of pocket cost to you. That's right!
    All fees are paid out of the sale of your property by your lender. However, HOA fees dues must be paid by you. Realtor commissions, taxes, escrow all paid by your lender. Don't worry if you don't like what you see you can reject the short sale offer from the lender, and let it foreclose at no cost to you.

  9. A short sale is like any other sale of a property. You need to spiff up the place so we can take photos and get it sold and we have to get it sold in a short amount of time!

  10. What are you waiting for?
    Pick up the phone,
    call Dante 951-234-7674
    so we can get this done and make the bank take the loss.

A Short Sale, if you happen to have a qualifying hardship is the best option at this time. If not consider renting rooms and doing what you have to in the meantime.

A Loan Modification is a fools game and yet you see lines of people on the morning TV news every month lined up to pay the bank even more money.
Most people, if not all, that qualify for a loan modification, would probably qualify for a short sale if they tried.
Five years from now we will see the outcome of these Loan Modifications and I can assure it will be ugly for those who did decide to Loan Modify. Those who modify their loan, their house will be like a prison.

The Banks like to play you against yourself. When you make a decision stick to it. The lenders will call you and offer you a Deed In Lieu, or a Loan Modification, while short selling and then just foreclose on you. They don't play nice.

The banks love to play the game of saying you are in a loan modification, or a temporary Loan Modification, while you are paying the bank thinking everything is fine they are foreclosing on you behind your back, and never say a word while you continue to make what the bank calls "Partial Payments" which is not considered a full payment which is why the lender can continue to foreclose on you. They do this all the time!

Ask yourself why would the bank file a Notice of Default on your property if your loan modification was going through? There is only one reason a bank files a notice of Default, it is to foreclose on your property. A short sale may be the only way to beat the bank figuratively and time wise.

A short sale can rid yourself of the property and the excess payments.

When it comes to facing Foreclosure, Do something. Do not let it go without some sort of fight. You do not have to deal with your lender all that much, your REALTOR Broker will do that for you.

Don't bury your head in the sand.

Ask Yourself why so many are Short Selling their property?

Short Sales do work for a fair amount of people.

Short Sale bennefits will go away in 2013.

When you qualify for a Short Sale, the time is now.

A Short Sale is far better than letting your property go to foreclosure.

Consult your CPA for the tax benefits of Short Selling that both the U S President and the Governor of California have provided for you until Dec 31 2012.
Short Sell Your Property.


Dante Walker
Agent / Owner
(951) 234-7674

You have OPTIONS if you are facing FORCLOSURE

Foreclosure Alternatives

One of the biggest mistakes some people make at this point is being too
attached to their property. This will cause heartache, heart attacks, and a huge amount of stress.

The following is the most common options someone facing foreclosure can do along with the pros and cons...

Short Sale
If a homeowner owes more on their property than it is currently worth, then they can ask a qualified REALTOR Broker to market and short sell their property.
I will do the negotiation of a short sale with your lender.

A Short Sale requires the property to be on the open market and the homeowner must have a financial hardship to qualify. Hardships can be defined as a change in the financial stability of the people on the loan, between the time the home was purchased and the time of the short sale.
Acceptable short sale hardships include but are not limited to: mortgage payment increase, job loss, cut in pay, cut in hours, unemployment, divorce, excessive debt, forced or unplanned relocation, and more.

* Pros: A short sale allows the homeowner to avoid foreclosure and salvage some of their credit rating. This also keeps foreclosure off the individual’s public record, and in many cases will allow the homeowner to avoid a deficiency judgment.
The Borrower may qualify for another mortgage in as little as 2 - 3 years
(as opposed to 5-7 years for a foreclosure).

* Cons: Short sales can be a trying process in which a homeowner is best served by contracting with a qualified real estate agent to guide the way. You can not short sell your house to a friend, family member, or anyone you know. You cannot collect any money from the short sale of the property unless you do a special short sale known as HAFA Short Sale.

HAFA Short Sale
A HAFA Short Sale - Home Affordable Foreclosure Alternatives has some different options in a short sale where as the buyer gets up to $5,000 at the close of escrow. A lender will pre price the property for sale on a price that the bank will accept for the short sale.

I believe it might be wise to apply for the HAFA short sale with the bank, but be ready to deny the HAFA portion and see what the bank wants. You have an option ( a small time frame ) to deny the HAFA portion and remain in control.

* Pros: you get up to $5,000 at the close of escrow to help cover moving expenses.

* Cons: Banks generally do not like following government guidelines unless they set it up for themselves. So... lenders tend to have a way of making this short sale far more difficult to do. Generally a lender will pre price the property 10% above market value, killing the option of selling the property and in the contract of the HAFA arrangement you have automatically agreed to do a deed in lieu or voluntarily give up your property in as little as 120 days.

Loan Modification
Homeowners can apply for a Loan Modification of terms to reduce monthly payment. I call this a banks trap. You will be trapped in your home for a long long time. The payments will go up in a few years just after the benefits to short sell go away.

* Pros: Allows homeowner to avoid foreclosure and stay in the home.

* Cons: Your credit report is Dinged quite heavily right away, when you apply for a Loan Modification. Fewer than 10% are granted Loan Modifications. It requires that a homeowner qualify for the new payment and will often require full documentation. The Lender has to be actively pursuing modifications. No lenders are known for giving Principle Loan reduction, so you still owe the same amount plus fees, back interest, etc. This turns most existing loans into a 40 Year loan in which you will be on the hook for and be unable to sell the property at any time until you have positive equity. This could be 10+ or so years. Should you sell at any time after January 2013, if you are upside down by 200,000 and your property sells, it will be like paying taxes on 200,000 of regular income for that year. You Must pay tax on any difference. The IRS and the California Franchise Tax Board will be after you to collect for the rest of your life with penalties and interest, adding each and every day, and Bankruptcy is not an escape for Tax issues. There will be no forgiveness after the end of 2012! Contact a CPA and verify this Tax information.

A reinstatement may seem like the simplest solution for a foreclosure, if you happen to have thousands of dollars laying around in the bank. The homeowner requests the total amount owed to the mortgage company to date and pays it. This can be done and will reinstate a mortgage up to five or six days prior to the final foreclosure or trustee sale date.

* Pros: Does not require the mortgage company or lender’s approval.

* Cons: Requires that a homeowner be able to pay all back payments, fines and fees. Usually causes people to borrow more money from family or friends to get further into debt.

Forbearance or Repayment Plan
Lets say you were out of work for a couple of months, but now you are working and things are fine. During that couple of months you were unable to pay your bills.
A forbearance or repayment plan involves the homeowner calling the lender and asking to get caught up by requesting a forbearance. Most lenders may do this but they will only do this once and you must have an excuse that is verifiable, such as you were out of work for two months and now you are caught up. Yes it will cost you some money. What doesn't?

Pay back the mortgage company over a period of time. You would be typically making the current mortgage payment in addition to a portion of the back payments they owe. Keep in mind the bank has to approve of this situation.

* Pros: Allows the homeowner to make back payments over time.

* Cons: Requires that a homeowner be in a financial position to pay not only their current mortgage, but also a portion of the back payments owed. Mortgage companies will require a homeowner to qualify with documentation for forbearance.

Rent the Property or Rent out Rooms
We all know renting out the entire property usually will not cover the mortgage payment. In Some cases it may, and making up the difference may not be that difficult for you. I know many have elected to rent out rooms of their home to make up the difference and are doing well with it. There is an adjustment period to get use to one another but this is a very viable option.
If you do not have a hardship for a short sale this may be your best option.

* Pros: Allows you to keep your home.

* Cons: The issues that can arise with a rental property are many, and rent often does not cover the full cost of property ownership and maintenance. Renting a home out to others will cost you more as they are not the owner will not care as much as you do.

Deed in Lieu of Foreclosure
Also known as a voluntary foreclosure, a deed in lieu allows you to return the property to the lender. The Lender must approve of this option. If there are second liens, tax liens, personal liens,etc this is usually not an option. This is usually best done with a Real Estate Attorney. This option is really not any better than a foreclosure.

When a bank offers you a deed in lieu, think what are they asking you. They are asking you to bail and save them money and just foreclose on your property.
They usually get what they want from you, and fail to give you anything they have offered you such as moving expenses.

* Pros: Sometimes a real estate attorney can negotiate a successful deed in lieu, in a manner whereas the lender will forego their right to a deficiency judgment. This is usually with the help of a qualified Real Estate attorney and paying their fees.

* Cons: Requires you to vacate the property, hire an attorney, and a deed in lieu will usually be reported to credit bureaus the same as a foreclosure.

Some think Bankruptcy is some magic solution to to stop lenders from foreclosing on your house. At best it may stall the lender around 30 - 45 days. That is not a huge gain considering you just filed for Bankruptcy. If you have non-mortgage debts that cause a shortfall of paying your mortgage payments and a personal bankruptcy will eliminate these debts, bankruptcy, may be a viable solution.

If you are considering disposing of your property it may be wise to wait until you have disposed of the property before you file for bankruptcy. Using Bankruptcy to keep your property may not be wise. Using bankruptcy to think it will stop lenders from taking your house is a myth.

* Pros: Does not require lender approval.

* Cons: If a homeowner cannot afford their mortgage payment, a bankruptcy will barely stall—not stop—the foreclosure process. Bankruptcy can be costly, is damaging to credit scores, and can only be declared once every seven - ten years. Most banks know how to get around this in a very short amount of time. Ruins credit. Life will became much more difficult in some ways.

If you have sufficient equity in your property and your credit is still in good standing, and you have a documented income, you may be able to refinance your mortgage.

* Pros: In some cases, you can lower your payments.

* Cons: In today’s market, a refinance will almost always raise mortgage payments, and is an expensive process. Usually, must show a reliable source of income. Refinancing a home costs money.

Service Members Civil Relief Act (Military Personnel Only)
If you are a member of the military and experiencing financial distress due to deployment, and you can show that your debt was entered into prior to deployment, you may qualify for relief under the Service Members Civil Relief Act. The American Bar Association has a network of attorneys that will work with you in relation to qualifying for this relief.

* Pros: If qualified, this may lower payments on your consumer debt in addition to mortgage payments.

* Cons: Must be active in the military to qualify.

Sell the Property
Homeowners with sufficient equity can list their property with a qualified agent that understands the foreclosure process in their area.

* Pros: Allows homeowner to avoid foreclosure and keep some of their equity.

* Cons: Selling in a down market is not the best time to sell however it is far better than foreclosure.

Over 60% of the homeowners who are behind in their payments are afraid to read their mail and do nothing, thereby letting their property go to foreclosure.
Most vacate their home long before their property is even taken and suffer down the road with tax issues for the property is no longer considered their principle residence.

* Pros: Allows homeowner to move on and no longer have a house payment.

* Cons: Where do I begin? The song, "It's no fun being an illegal alien" comes to mind on what life may be like for those who go through foreclosure. Credit issues of this magnitude is a difficult thing to shake. If this is your first option and you have tried to do nothing else, I would be very shocked. You can at least try something. In most cases foreclosure is not the fault of the homeowner, due to loss of work in our economy. These are the people I want to help the most.

Strategic Foreclosure
The decision, to walk away from their property and let it go to foreclosure.

* Pros: Allows people to walk away from their property and run from their problems.

* Cons: These are people who simply give up. They probably give up on everything. Their word or their word on a contract means nothing. Can anyone ever trust them? These people aid to destroy our economy, and way of life more so than those who are not in control of their situation.

It is wise to consult with a REAL ESTATE ATTORNEY, a REALTOR, and a CPA to figure out your best options.

I am a Real Estate Agent, REALTOR, in Southern California and I do Short Sales for nice people who need help. I am easy to talk with on the phone so feel free to call and ask questions. Dante Walker at Posh Realty. 951-234-7674 or 323-642-7674.
If at any time prior to opening escrow, you think doing a short sale is not right for you, I will respect your wishes and we can cancel.


If you have any questions, please call me
9am - 7pm, 7 days
Dante Walker - Posh Realty
(951) 234-7674 or (323) 642-7674. I'm here to help you!

January 7, 2011

5 Quick Kitchen Friendly Fixes For a Successful Diet

Getting into the kitchen to cook from scratch is the best way to make sure you are eating healthy meals, most of the time.

But, if your kitchen is more like a bomb site, you may find you are severely lacking in motivation.

So, here are 5 tricks to help transform your kitchen into a place that actually encourages a healthy diet.

1. Keep the Kitchen Clean
For me this is a must. If the kitchen is untidy, make a rule that no dirty dishes are left in the sink, and the counter tops and table must be kept clean. That way, you can get right into cooking when you get home, so there's less chance you'll feel like slacking off.

2. Make Cool Water Accessible
Research,shows that drinking 16 oz. of water increased metabolic rate by 30 percent, within 10 minutes of eating a meal. These effects can last for 30 to 40 minutes. The study also concluded that drinking 8 glasses of water per day would help the body burn an additional 95 calories.

While this may seem like a relatively small increase, it is significant over time. Also, water has so many additional benefits in the body, so it's worthwhile making an effort on this one.

Drinking more water each day can be as simple as placing a jug of water in your fridge -- just make sure you reach for the water first, before you opt for another substitute.

3. Keep Emergency Meals in the Freezer
Having healthy meals in your freezer is a good fallback plan for those times when you get home late, or you forget to pick something up at the grocery store. And, it helps you to avoid eating unhealthy food, or opting for fastfood.

When you run out of emergency meals, just make an extra batch of your next meal, and freeze the extra.

4. Use a Vegetable Steamer
Sometimes cooking vegetables can feel like a lot of hassle, so anything that helps with this is a bonus. Steaming is the healthiest way to cook vegetables, because it prevents nutrients being lost into the cooking water.

When I'm making brown rice, for example, I put the rice in the bottom of the rice cooker, then add my vegetables to the steamer basket on top after about 20 minutes of cooking.

Other options are steamer baskets which fit over a saucepan of water, or microwave steamers.

5. Get Rid of JunkFood
Ridding your kitchen of the junk will be a huge benefit to your whole family, encouraging everyone to make better choices overall.

If you can't get rid of it completely, try placing healthy snacks, such as nuts, seeds and dried fruits right in the pantry next to the other snacks. That way, each time you reach for a snack, you are forced to make the decision "healthy" or "unhealthy."

Also, keeping a colorful bowl of fresh fruit on your counter top, and some raw vegetables in the fridge is helpful, giving you lots of healthy options to choose from.

What are your tips for making the kitchen more diet-friendly?

January 5, 2011

A Visual Guide to 15 Healthy Snacks

Most vending machines are stocked full of junk food. With a bit of planning it is possible to replace those snacks with foods that will nourish your body.

The challenge is to balance convenience with nutrition.

Here is a pictorial guide to a selection of healthy snacks - and remember - healthy eating is not just about the number of calories*.

Raw Almonds

Serving shown: 20 almonds
Calories: 139

Raw Mixed Nuts

Serving shown: 30g / ~1oz
Calories: 178

Dried Fruit

Serving shown: 40g / 1.4oz
Calories: 97

Note: Dried fruits are more calorie dense (per weight) than fresh fruit - and are easier to overeat.


Serving shown: 180g, 1 medium & 1 small.
Calories: 95

Note: Great packaging. Small portions. Seasonal


Serving shown: 185g / 6.5oz
Calories: 96


Serving shown: 1 medium banana - 118g
Calories: 105

Note: Nicely prepackaged.


Serving shown: 215g / 7.6oz
Calories: 148

Note: Seasonal


Serving shown: 85g / 3oz
Calories: 99

Note: Be wary of tuna in oil - many of the oils are vegetable oils (high in omega-6 rather than omega-3 EFA's).

Dried Peas

Serving shown: 25g / .9oz
Calories: 72

Note: Find in bulk bins - often with different seasonings.


Serving shown: 2 cups
Calories: 62 (air-popped)
Calories:110 (oil-popped)
No condiments added.
Note: Avoid pre-packaged popcorn (often contains trans fat).

Baby Carrots

Serving shown: 170g / 6oz
Calories: 60

Note: Convenient - can buy pre-washed and pre-bagged.

Celery & Hummus

Serving shown: 40g / 1.4oz hummus
Calories: 108

Note: Buy celery pre-cut and pre-washed. Goes well with many other dips.

Cherry Tomatoes

Serving shown: 150g / 1 Cup
Calories: 27

Note: Seasonal.

Whole-grain Crispbread with Cottage Cheese

Serving shown: 1 cracker + ~45g (1.5oz) cottage cheese (light)
Calories: 70

Note: Aim for crispbreads or crackers that are completely whole grain and have a minimal amount of oil.

Bean Salad

80g / 2.8oz
Calories: 90

Functional Fruit
All fruits are great - however many have a very short season (berries, peaches, nectarines) and others can be a bit too messy if you are at work (grapefruit, oranges, melon).

*It's Not Just About Calories
Some snacks may be low in calories, but lack in other essential nutrients. Some snacks do nothing to satisfy the appetite. What's the point in saving 20 calories just to be gnawingly hungry 15 minutes later? No vending machine will be safe from you...

Not Everyone Needs to Snack
For some people - three square meals works fine. For others, snacking is a way of life - and without a little pre-planning - most of those snacks will not be the best choices.

Snacking is a great way to maintain even energy levels and manage hunger and prevent bingeing.

Building Positive Habits
Snacking is habit forming. Switch out bad food choices for good ones - and before you know it - your 3 hourly pilgrimage to the vending machine will be a thing of the past.

NOTE: All items were carefully weighed and measured. Calorie amounts came from theUSDA nutrient database or from labels.

Top 5 Mistakes Dieters Make

You ate and sipped your way from Thanksgiving to New Year's. The food was delicious; the eggnog and champagne divine. But now, well, now your pants won't zip. Holiday weight gain is hands down the most unwanted gift of all. Fortunately, you don't have to keep it. Dante Walker and Twenty5 by 25 is here to share the most effective weight loss strategies for shedding those holiday pounds.We will explain how to avoid the biggest dieting traps so you're sure to start off your post-holiday weight loss plan right.

Mistake No. 1: You Crash Diet
Of course, diets that promise big weight loss fast sound great. After all, who wouldn't want to drop every pound you gained in just a few short weeks? And sure, if you radically cut your calorie intake, you will lose weight. But here's the catch: You can't eat like that forever. And once you go b
ack to eating the way you usually do, you'll regain what you lost and possibly even more. "The fundamental problem these diets have is that you cannot overwhelm your biological drive to eat with willpower. The reason why 98 percent of diets fail is because they ask you to eliminate an entire food group and this isn't good for long-term weight loss."

Diet Tip: Eat a variety of healthy foods so you don't feel like you're depriving yourself. Then track your calories with a food diary and find ways to eat just 100 fewer calories every day. It's not hard to do. And 100 calories is such a small amount, your body can't tell you're on a diet, so your metabolism doesn't slow down and you'll naturally lose the weight.

Mistake No. 2: You Skip Breakfast
You'd think that bypassing breakfast would be a quick and easy way to shave some extra calories -- except, you're actually more likely to consume those calories (and more) later in the day. Thinking you have some calories to play with because you didn't eat breakfast, you may supersize your lunch or grab snacks that aren't particularly good for you simply because you're hungry. In addition, skipping breakfast prompts your body to store fat rather than metabolize it. In fact, research shows that breakfast skippers tend to be heavier. While breakfast eaters consume more calories, they're also slimmer, more active and have healthier diets overall. In a s
tudy of people who'd dropped at least 30 pounds and kept it off, 78 percent said they routinely ate breakfast.

Breakfast Tip: Eating something within an hour or so after waking up boosts your metabolism by as much as 10 percent. Go for things like oatmeal sprinkled with nuts and raisins or a tablespoon of peanut butter, a veggie omelet with whole-wheat toast, or low-fat cottage cheese with fruit. The mix of protein and fiber holds off hunger through the morning so you're less likely to help yourself to the powdered doughnuts at the office or overeat later at lunch or dinner. In a recent University of Connecticut study, when volunteers had eggs for breakfast, they consumed 100 to 400 fewer calories at lunch than when they ate bagels, even though both the bagel and egg breakfasts contained the same amount of calories. Other research suggests that fiber-rich breakfasts help you burn more fat when you exercise. No time to sit down to eat? Do what Dante does: Drink a Breakfast Shake as you head to work or to drop kids off at school. "It's fast, it's filling and has everything you need in the morning," It taste great and your kids will love it too.

Breakfast Shake

This recipe makes two 160--calorie servings.

½ large banana, broken into c
1/3 cup Nutri9 Shake
1 ounce Le'Vive
2 teaspoon Ardyss plus (liquid vitamin)
1 cup water

Put everything into the blender. Blend and drink.

Mistake No. 3: You Drink Extra Calories
When we eat a big meal, our body knows it's been fed and we eat less at the next meal. But that doesn't happen when we drink high-calorie beverages, which are estimated to add about 235 extra (empty) calories a day to our diets. Our bodies don't seem to register liquid calories the way it does solid calories. Specialty coffee drinks, fruit drinks, sodas, energy drinks and alcohol are some of the b
iggest calorie traps. Alcohol is actually doubly so because drinking relaxes our willpower. Have a few cocktails and suddenly having that slice of cheesecake seems like a pretty good idea.

Drink Tips: Choose lower-calorie drinks. Like coffee? Leave out the whipped cream, syrups and chocolate shavings, and drink it black or with a little sugar. "A teaspoon of sugar is just 16 calories, a tiny amount," Can't give up your soda? You can have both soda and fruit juice if you add Crystal Light to club soda or sparking water. You get the fizz with fewer calories.

Mistake No. 4: You Don't Snack
Snacks get a bad rap because we think of them as junky foods we shouldn't eat. But nutritious snacks are actually a dieter's best friend, because eating frequently can actually help you consume fewer calories. "Thoughtful snacking keeps you from getting hungry between meals and help you eliminate making poor diet choices later on. People who eat several small meals and snacks a day are
more likely to control their hunger and lose weight.

Snack Tips: Each day, pack several healthy snacks in small containers or snack-size baggies to keep in your purse, at your desk or even in your car. If you always have diet-friendly snacks at hand, you'll be less tempted to raid the vending machine. Just eat enough to kill the hungry feeling inside your stomach. Do Not make a meal of the snacks.

Mistake No 5:You Don't Drink Enough Water
The next time you feel hungry, take a big, long drink of water and you may not need to eat. Because the hormones in our intestines that tell us we're hungry are very similar to the hormones that let us know we're thirsty, we're not very good at distinguishing hunger from thirst, which is why we typically reach for food when we should be drinking. . And when we're not well hydrated, our metabolism drags. "Water is essential for burning calories," said Dr. Oz. "Adults who drink eight-plus glasses of water a day burn more calories than those who drink less."

Water Tip: Drink water before every meal and snack and a few more in between. According to a study done at Virginia Tech in Blacksburg, overweight or obese study volunteers who drank a 16-ounce bottle of water before every meal lost 44 percent more weight after 12 we
eks than volunteers who didn't drink water before dining. That may be because water drinkers ate about 75 fewer calories when they drank water before their meals, as another Virginia Tech study found.

If eight glasses a day seems daunting, try this mind trick: Drink from larger bottles, so instead of consuming eight glasses, you're sipping just three and a half bottles. Easy! And there's no reason to always drink it plain. In our house, we make water more appealing by adding slices of fruit or a splash of fruit juice to give it a different taste.

Hopefully these tips will help you with your weight loss journey.

January 3, 2011


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