Looking back on 2019: A year of community
Our focus is so often set on sharing information about mortgage loan products or tips on how to buy a house that we sometimes forget to highlight the great and impactful things our employees contribute to their communities. Each employee of Residential Mortgage Services, Inc. (RMS) found their way into the mortgage industry via different paths, but what unites us all is the essense of our motto: We'll Guide You Home.
That isn't a transaction. It isn't a quick "sale." It's a commitment to guide the people who come to us through one of the biggest financial decisions of their lives. To help them reach their goal of homeownership. And owning a home isn't just a checkbox toward the "American Dream," it's establishing a place of safety, family (if so chosen), and wealth. It's a place where you belong. Every house and the occupants within are part of some kind of community. Every employee of RMS is as well.
Up and down the East Coast, RMS employees volunteer, donate, champion causes and help. Here are just a few of the great contributions our employees and RMS made in our communities last year:
Honoring our Veterans
Veterans’ Day is a time to honor and pay respect to those who have served our country. To all veterans, we thank you for your sacrifice and service. Click here for a list of businesses that are offering discounts and complimentary services to veterans in observance of Veterans’ Day.
A history of Veterans' Day:
Germany and the Allied Nations ceased fighting in World War I on the eleventh hour of the eleventh day of the eleventh month. Because of this, November 11, 1918 was known as “the end of the war to end wars.”
The following year, after the Treaty of Versailles was signed, President Wilson named November 11, “National Armistice Day” to honor those who died in service for their country. By 1938, Armistice Day became an official legal holiday in appreciation for those who fought in World War I.
In 1954, after World War II and the Korean War, Congress amended the holiday to be Veterans’ Day, a day to celebrate all veterans.
Remember to take time today to appreciate and thank those who have served our country, it is because of their sacrifice that we are able to experience freedom.
How to create a good habit and stick to it
According to U.S. News & World Report, 80% of the resolutions set on New Year’s Eve are broken by February. If you have already failed at keeping the goal you set for 2019, don’t worry. You can still form a good habit (or break a bad one) by following some simple rules to keep you accountable!
Small Steps Add Up
Make sure that your habit is small, specific, and achievable. You can always build on your habits later, but in the beginning stages remember that small steps add up. You don’t want to start by completely depriving yourself from something because you will set yourself up for failure. For example, if you are hoping to reduce your spending so you can make a large purchase in the future, start by brewing your own coffee in the morning and packing your lunches Monday through Thursday.
Use Your Momentum
Try linking your new habit to a pre-existing habit you already have. This will make you accountable and keep you on a regular schedule. Use the formula: [Before/after existing habit], I will [new habit]. So, if you are trying to pack your lunches during the week, you might consider packing your lunch as soon as you finish eating dinner.
Little Rewards Go a Long Way
Reward yourself along the way to reinforce your habit. Most people forget to reward themselves for taking steps towards beneficial habits. Many positive habits, like eating healthier or exercising, do not have immediate obvious rewards, so it is important to reinforce your progress with rewards of your own. If you're trying to pack your lunch Monday through Thursday, you may want to treat yourself to lunch out with friends on Friday. This will keep you from feeling deprived so you are more likely to stick to your goal.
Never Miss Twice
You are going to slip sometimes. Just because you fell off the wagon one day doesn’t mean that you failed and should give up. Try following the “Never miss twice” rule to give you enough flexibility to make mistakes, but inspire you to get back on track the next day. Maybe you had a rough morning and bought yourself coffee on the way to work and went out for lunch today. No problem. Tomorrow you will brew your own dark roast and pack your leftovers to eat. It’s okay to fail, just make it a goal not to do it two times in a row.
Forming a new habit can seem intimidating, but it doesn’t have to be. Make sure you set up specific goals and have realistic expectations. Reward yourself as you make progress, and stop expecting perfection. Habit forming is a journey, and you are going to make mistakes along the way. Don’t beat yourself up, just do better the next day and remember why you wanted to adopt the habit in the first place.
You've got this.