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[ad_1] At least 15 people, including children, were rendered unconscious after inhaling chlorine gas that leaked from a cylinder in the premises of a water treatment plant in Matar taluka of Gujarat’s Kheda district, on Friday, an official said. The affected persons, who lived near the plant, were admitted to a hospital in Tarapur town and were out of danger, fire officer Dixit Patel of Nadiad town fire brigade said. The fire brigade brought the leak under control by spraying water on the cylinder for over an hour, he said. The incident took place at a 16 MLD-capacity water treatment plant of the state Water Supply Department, situated on the outskirts of Pariej village on Kheda-Tarapur state highway, an official said. Seven women, three children and five men were referred to a hospital in Tarapur town when they fell unconscious after inhaling chlorine, said Pravin Bhagat, revenue officer of Matar taluka. Chlorine is used to purify water. According to eyewitnesses, a cylinder containing chlorine had been lying in a room at the plant for over 10 years, and it suddenly started leaking in the afternoon, the fire officer said. “Before we reached, the on-duty persons used a JCB machine and dumped the cylinder into a culvert so that chlorine would get diluted in the running water without affecting people,” Patel said. Although the fire brigade sprayed water on the cylinder till it emptied out, the initial leak in the air affected some people living near the plant, he added. [ad_2] Source link

[ad_1] Denver-based Incenter Mortgage Advisors is in the market with a $10 billion bulk-sales package of mortgage-servicing rights (MSRs) tied to Fannie Mae and Freddie Mac loans. The MSR offering involves 36,185 loans that are fairly evenly split between Fannie- and Freddie-backed mortgages. The weighted average age of the loans is 10.8 months, with an average interest rate of 2.898%, according to the bid documents. The average loan size for the bulk package is $276,596 — with a weighted average FICO credit score for the underlying loans of 766.7. The seller is not identified in the offering, which indicates the deadline for final bids is Jan. 12. Incenter Managing Director Tom Piercy would only say that the seller is a “nonbank.” “This is … an independent mortgage company that is looking to pare back its holdings of MSR assets on the balance sheet,” Piercy explained. About one-third of the mortgages in the package were originated in California, Texas or Florida, the bid documents show, with Texas leading the pack by loan count with a 13.4% share (4,838 loans valued at $1.2 billion). California originations represent the highest share of loan volume, at 15.4%, or a current balance of $1.54 billion across 4,080 mortgages. Florida originations account for 9.6% of the loan count in the offering (3,486 mortgages) and 8.9% of the loan volume ($887 million). Most of the loans involve single-family homes, — some $8.7 billion by loan balance — with the remaining loans by balance split between townhomes and condos. About a quarter of the loans (9,004) are purchase mortgages, or $2.5 billion by current balance — with the remaining loans falling into the refinancing “loan-purpose” category. Also, 91% of the mortgages by loan count involve owner-occupied properties. “We didn’t cherry pick this,” Piercy added. “This is a cross section of [the lender’s] entire portfolio [being marketed for sale] simply to pare back the asset and take advantage of some of the market opportunities … as a result of where rates are today.” As markets and the Federal Reserve continue to signal that interest rates are upward bound, that has the effect of depressing demand for home-refinancing loans, which in turn helps to bolster the value of MSRs. That’s because loan prepayment speeds slow when refinancing ebbs.  Fewer loan prepayments via refinancing ensures that MSR assets — which represent a slice of the interest on a mortgage — will have a longer cash-flow life for investors. The average weighted servicing fee for the package, according to the offering documents, is 0.2570%. Piercy stressed that a slow, steady rise in rates — as appears to be the trajectory now — is the ideal, given that significant rate volatility is not a positive for the MSR market. In addition to the MSR value push from a rising-rate environment, one industry source, who asked not to be named, also points out that the escrow balances associated with the loans being serviced also benefit from higher rates. “My escrows right now are worth nothing or next to nothing,” the source said. “But if rates keep going up, at some point my escrows [generally deposited in bank accounts] are going to be worth something.” In the case of Incenter’s current bulk MSR offering, the escrow balance for the underlying loans as of Jan. 5, 2022, totaled $44.1 million. Year to date through Dec. 1, 2021, a total of $693 billion in agency mortgage servicing rights were transferred through sales transactions, of which nearly $550 billion involved nonbanks, according to mortgage-data analytics firm Recursion. That’s up significantly from the same period in 2020, when a total $385 billion in MSRs were transferred, with the bulk of those transactions involving nonbanks as well. The report encompasses transfer-transaction activity involving Fannie Mae, Freddie Mac and Ginnie Mae MSRs. Incenter Mortgage Advisors also benefited from favorable market dynamics as last year came to an end. In November, it unveiled three MSR bulk-sales packages that were put out for bid involving primarily Fannie Mae and Freddie Mac loans that combined were valued at nearly $8 billion.  In early October 2021, HousingWire reported on the details of two other bulk-servicing packages being marketed by Incenter. One offering was for a $6.1 billion Ginnie Mae servicing portfolio and the other for a $3.9 billion Fannie Mae and Freddie Mac loan-servicing portfolio.  The MSR transfer market is expected to remain very active in the new year as market conditions continue to fuel the value of the assets.  “We’re seeing [MSR] values trending up, and I’m pretty bullish on this for the foreseeable future,” Piercy said. “… It’s going to be a robust 2022.” The post 2022 opens with a big MSR bulk-sale offering appeared first on HousingWire. [ad_2] Source link

[ad_1] Even though 30-year mortgages are much more common, financial experts often recommend a 15-year mortgage instead. Is that advice always right? The best answer to that question is, sometimes! Even though, yes, you will pay off a 15-year mortgage in half the time it takes to pay off a 30-year mortgage, you’ll be trading off a much higher monthly payment to get that benefit. Before taking the plunge into a 15-year mortgage, it’s best to know exactly what you’re getting into. With that in mind, let’s take a look at 15-year vs. 30-year mortgages to see which is better – and when. #ap12867-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap12867-ww #ap12867-ww-indicator{text-align:right}#ap12867-ww #ap12867-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap12867-ww #ap12867-ww-indicator-wrapper:hover #ap12867-ww-text{display:block}#ap12867-ww #ap12867-ww-indicator-wrapper:hover #ap12867-ww-label{display:none}#ap12867-ww #ap12867-ww-text{margin:auto 3px auto auto}#ap12867-ww #ap12867-ww-label{margin-left:4px;margin-right:3px}#ap12867-ww #ap12867-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap12867-ww #ap12867-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap12867-ww #ap12867-ww-text-bottom{margin:5px}#ap12867-ww #ap12867-ww-text{display:none}#ap12867-ww #ap12867-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap12867-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap12867-w-map #ap12867-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap12867-w-map #ap12867-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap12867-w-map #ap12867-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap12867-w-map #ap12867-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap12867-w-map #ap12867-w-map-map svg{position:absolute;left:0;top:0}#ap12867-w-map #ap12867-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap12867-w-map #ap12867-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap12867-w-map #ap12867-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap12867-w-map #ap12867-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap12867-w-map #ap12867-w-map-map svg g .ap00646-w-map-state{display:none}#ap12867-w-map #ap12867-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap12867-w-map #ap12867-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap12867-w-map #ap12867-w-map-map svg g:hover{cursor:pointer}#ap12867-w-map #ap12867-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap12867-w-map #ap12867-w-map-map svg g:hover text{fill:#fff}#ap12867-w-map #ap12867-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap12867-w-map #ap12867-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap12867-w-map #ap12867-w-map-btn:hover{color:#fff;background-color:#508fc9} The first step to a new home is doing the numbers and finding out how much you can afford. Mortgage Experts are available to get you started on your home-buying journey with solid advice and priceless information. To find out more, click on your state today. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas View Rates What is the difference between a 15-Year and 30-Year mortgage? 15-year and 30-year mortgages have plenty in common. Each can be either a fixed rate loan or an adjustable rate loan (ARM). And either can be used to purchase a new home or to refinance an existing home. Closing costs are about the same between the two loans, and the application and closing processes are virtually identical. With all they have in common, what’s the difference between the two? Loan term – the 15-year mortgage runs only half as long as the 30-year mortgage. Monthly payment – the payment on a 15-year mortgage can easily be 50% higher than on the 30-year mortgage. Interest rate – you’ll generally pay a lower interest rate on a 15-year mortgage compared with a 30-year mortgage. Equity buildup – will be much faster on a 15-year mortgage than it will be on a 30-year mortgage Pros and Cons of 30-Year Mortgage Pros: A much lower monthly payment. The lower monthly payment will make it easier to qualify for a mortgage, particularly if you’re making a small down payment, you have high debt ratios, or less-than-perfect credit. The lower payment may enable you to qualify for a larger loan to buy a more expensive home. Lower payments can also enable you to direct additional funds into paying off non-housing debt, or even into savings and investments. Because it has a lower monthly payment, you’ll have the option to make additional principal payments much more easily than you would on a 15-year mortgage. Cons: 30 years can seem like forever when you’re trying to pay off your home. If your plan is to own your home debt-free by the time you reach retirement, the 30-year loan won’t get the job done if you’re already over 35 years old. The slower amortization of the loan – resulting in slower equity buildup – will leave you with less cash if you choose to sell the home to buy another. Higher interest rates. Rates on 30-year mortgages are roughly 0.500% to 0.750% higher than they are on 15-year mortgages. Because it will take twice as long to pay off a 30-year mortgage, you’ll pay considerably more interest over the life of the loan. Pros and Cons of 15-Year Mortgage Pros: You’ll cut the loan term in half, enabling you to reach mortgage-free status much more quickly. Even if you sell the home before the loan is fully paid, you’ll have more equity built up than you would with a 30-year mortgage. The interest rate on a 15-year mortgage is generally as much as 0.750% lower than it is on a 30-year mortgage, but… Because the loan will be paid off in half the time, you’ll pay substantially less interest over the life of the loan than you will on a 30-year mortgage. Cons: A much higher monthly payment. The higher payment might make it more difficult to qualify for the loan. A higher payment may also limit your ability to purchase a higher priced home. The income tax deduction for home mortgage interest will disappear much more quickly than it will on a 30-year mortgage. Because the payment is higher, you won’t have the extra funds available for other purposes, like paying off non-housing debt or investing. #ap83130-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap83130-ww #ap83130-ww-indicator{text-align:right}#ap83130-ww #ap83130-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap83130-ww #ap83130-ww-indicator-wrapper:hover #ap83130-ww-text{display:block}#ap83130-ww #ap83130-ww-indicator-wrapper:hover #ap83130-ww-label{display:none}#ap83130-ww #ap83130-ww-text{margin:auto 3px auto auto}#ap83130-ww #ap83130-ww-label{margin-left:4px;margin-right:3px}#ap83130-ww #ap83130-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap83130-ww #ap83130-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap83130-ww #ap83130-ww-text-bottom{margin:5px}#ap83130-ww #ap83130-ww-text{display:none}#ap83130-ww #ap83130-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap83130-w-simple-rate-table{max-width:675px;margin:0 auto}#ap83130-w-simple-rate-table .w-simple-rate-table-title{font-family:Montserrat, Verdana, sans-serif;font-size:25.9px;font-weight:700;text-align:left}#ap83130-w-simple-rate-table .w-simple-rate-table-subtitle{margin-top:16px;margin-bottom:32px;font-family:Montserrat, Verdana, sans-serif;font-size:14px;line-height:2;font-weight:normal;text-align:left}#ap83130-w-simple-rate-table .w-simple-rate-table-updated{font-family:Georgia, serif;color:#9AAAB9;font-size:14px;line-height:29px;font-weight:400;margin:10px 0 0 0;text-align:left}#ap83130-w-simple-rate-table .w-simple-rate-table-hint{font-family:Georgia, serif;color:#9AAAB9;font-size:11px;line-height:29px;font-weight:400;text-align:left}#ap83130-w-simple-rate-table .w-simple-rate-table-ctas{display:flex}#ap83130-w-simple-rate-table .w-simple-rate-table-cta{width:50%;margin-top:24px;display:flex;flex-direction:column;align-items:center;justify-content:center;font-family:Montserrat, Verdana, sans-serif}#ap83130-w-simple-rate-table .w-simple-rate-table-cta p{font-family:Montserrat, Verdana, sans-serif;font-size:14px;font-weight:600;margin-top:0;margin-bottom:0}#ap83130-w-simple-rate-table .w-simple-rate-table-cta .cta-text-1{color:#3750DC;font-size:18px;line-height:29px;font-weight:700;margin:5px 0 0 0}#ap83130-w-simple-rate-table .w-simple-rate-table-cta .cta-text-2{color:#000;font-size:14px;line-height:29px;font-weight:400;margin:5px 0 0 0}#ap83130-w-simple-rate-table .w-simple-rate-table-cta a.w-simple-rate-table-btn{display:flex;justify-content:center;align-items:center;font-family:Montserrat, Verdana, sans-serif;color:#fff;font-size:15px;line-height:18px;text-transform:uppercase;text-decoration:none;background:#FF7C34;border-radius:80px;padding:15px 20px;min-width:150px;margin:15px 0 0 0}#ap83130-w-simple-rate-table .w-simple-rate-table-cta a.w-simple-rate-table-btn:hover{color:#fff;background-color:#FF6321}#ap83130-w-simple-rate-table .w-simple-rate-table-tables-wrap{display:flex}#ap83130-w-simple-rate-table .w-simple-rate-table-table-wrap{width:50%;text-align:left}#ap83130-w-simple-rate-table .w-simple-rate-table-table-wrap strong{font-size:21.8px;font-weight:600;font-family:Montserrat, Verdana, sans-serif;line-height:1.78}#ap83130-w-simple-rate-table table.w-simple-rate-table-table{margin:20px 0 0 0}#ap83130-w-simple-rate-table table.w-simple-rate-table-table.left{margin-right:2%}#ap83130-w-simple-rate-table table.w-simple-rate-table-table.right{margin-left:2%}#ap83130-w-simple-rate-table table.w-simple-rate-table-table thead.w-simple-rate-table-thead tr{border:0}#ap83130-w-simple-rate-table table.w-simple-rate-table-table thead.w-simple-rate-table-thead th{font-family:Montserrat, Verdana, sans-serif;color:#000;font-size:12px;line-height:29px;text-transform:uppercase;text-align:left;width:50%;border:0;font-weight:400}#ap83130-w-simple-rate-table table.w-simple-rate-table-table thead.w-simple-rate-table-thead th:last-child{text-align:right}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tbody.w-simple-rate-table-tbody{border:0}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tbody.w-simple-rate-table-tbody tr{border-bottom:1px solid #c4c4c4}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tbody.w-simple-rate-table-tbody tr:last-child{border:0}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tr.w-simple-rate-table-tr td{font-family:Montserrat,Verdana,serif;color:#000;font-size:14px;line-height:29px;background:#fff;border:0;padding:8px 0 8px 0;width:50%}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tr.w-simple-rate-table-tr td:first-child{font-size:14px;line-height:29px;font-weight:400}#ap83130-w-simple-rate-table table.w-simple-rate-table-table tr.w-simple-rate-table-tr td:last-child{text-align:right} Today's 15-Year and 30-Year Mortgage Rates 15-Year Product Interest Rate Fixed 15 Year 2.61% 30-Year Product Interest Rate Fixed 30 Year 3.7% View Rates View Rates Factors to Consider in Choosing a 15-Year vs. 30-Year Mortgage Many financial advisors, websites and blogs recommend a 15-year mortgage over a 30-year mortgage, often as a “no-brainer”. Unfortunately, that’s an oversimplification. Before

[ad_1] The post How Dividend Stocks Put Extra Cash in Your Pocket appeared first on Millennial Money. Some companies pay their investors a share of their profits. These are known as dividend stocks. If you’re the lucky owner of a dividend stock, you’ll be paid quarterly cash to do with as you please.  It’s easy to get excited about earning extra money from your investments, but there are a few things to know first. Let’s dive into the 411 of dividend investing.  What Are Dividend Stocks?  Dividend stocks are small pieces of a company you can purchase to become a partial owner in a (hopefully) profitable business. But these aren’t just any old stocks. They pay out part of the company’s earnings to shareholders (like you).   Dividend definition  A dividend is the money a company distributes to its shareholders in regular payouts. The money is distributed from the company’s profits. Typically, you’ll receive dividend payouts every quarter.  However, not all stocks offer regular profit payouts. Before you invest, check to see if the stock you’re eyeing is a dividend stock. A good place to start looking is the Dividend Aristocrats list. This group of companies are tried-and-true dividend payers. Where Do Dividends Come From? With dividend-paying stocks, you’ll most often be paid from profits and positive cash flow.   Company payouts may also come from “retained earnings.” These are overflows of cash that have accumulated or rolled over from a previous year and haven’t been used for anything else.  It pays to invest in rockstar companies. When they’re rolling in the dough, you may be too. That is if they’re willing to share.  Beware of companies that payout of their main capital. Profits are likely dried up, and they may be sinking like the Titanic.  Who Receives Dividends? Investors who own stock in profitable dividend-paying companies are eligible to receive dividend payouts on a regular basis.  That’s right — average “Joes” like you and me can fund our Starbucks habits (or more wisely, our emergency funds) with this quarterly dividend cash.  It’s like being in Oprah’s audience four times a year! “Y-o-u get a car.”  Company Dividend Policy  The game plan for how a corporation uses its profits comes from a policy drawn up by the almighty board of directors. These folks have a lot of important things to decide, not the least of which is whether to share profits with investors.  Not only do they have the final say in whether to pay dividends, but they decide on the amount, payout method, and timeframe as well.  Dividend policy types Stable dividend policy: Low and steady wins the race. It’s the most common, often a lower payment than other types, but offers a specified minimum amount on a regular payment schedule.  Residual dividend policy: You get the leftovers. For the laid-back investor who doesn’t mind getting what’s left after the company spends the profits.  Hybrid dividend policy: The best of both worlds. These payouts are mostly low and steady, but they’ll throw you a juicy bone when profits are good.This is a supplemental dividend (like a work bonus).   Constant dividend policy: The “all bets are off” policy for risk-takers. Investors in companies with this policy have to be okay with just about anything. When profits are up, you may see a higher dividend. When they’re down, too bad — so sad.  How Are Dividends Disbursed? Dividends usually come in the form of quarterly checks similar to your work paychecks.   How dividends are disbursed (and when) is determined by the company’s policy, and there are a handful of possibilities.  Dividend payment schedules Quarterly dividends are paid out every three months and are the most common payment schedule.  Annual dividends are distributed once per year.  Monthly dividend stocks pay out once per month.   Semi-annual payments are made twice a year.  Types of Dividends Although cash payouts are the most common, there are a few other types of dividends as well. Companies will usually stick with one of these methods: Cash payments Extra shares of stock Non-cash assets (these might be a company’s actual products) How Much Will a Dividend Pay Out? Let’s look at some examples of what you might earn with a dividend payout.  Keep in mind that the exact amount the company pays per share is determined by its board of directors. Your cut will depend on how many of the company’s stocks you own.  Here’s the math breakdown of a sample dividend payout. Say a company chooses to pay a dividend of $0.50 per share and you own 500 shares. You would receive $250 from that particular dividend. Dividend dates you need to know The following dates will help determine the deadlines for when — and if — you’ll be paid when a company is divvying out profits to their shareholders.   Declaration date: The day that a board of directors announces there will be a dividend payment coming.  Date of record: The date a company checks its records to see who its shareholders are. You’d better be on that list if you expect a payment.  Ex-dividend date: Usually one business day before the date of record. You must purchase the company stock BEFORE this date or you won’t be listed as an investor on the date of record. In short, any company stock purchased on or after an ex-date isn’t eligible for the upcoming dividend payment but must wait for future payouts.  Payment date: Exactly what it sounds like. This is the date set for paying the shareholders their piece of the profits.  How Do Dividends Affect the Stock Price? When a company announces its intention to issue a dividend — as well as disclosing the amount of the payout — a pretty obvious thing happens to its stock value.  Investors, desperate not to miss out, are eager to buy shares of that stock. This temporarily drives up the share price as people scramble to buy before it’s too late. On the ex-date, in a perfect display of sour

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[ad_1] For the past six years, I’ve chosen a word for the year. This is a word that becomes my theme or over-arching guide for how I approach the year. Last year, my word for the year was actually a phrase: Show up. It had such a huge impact on my life and I’ll be sharing more about that in the podcast that drops next week. For 2022, I thought I had a word almost all of December. It was a good word, but it felt a little like a cop-out because it wasn’t a word that would really push me out of my comfort zone, stretch me, or challenge me in a deep way. It wasn’t January 2, that I was reading a book and all of a sudden the word I knew I was supposed to choose instead popped out at me. I immediately resisted it because it’s a word that I knew would stretch and push me. For a day, I wrestled with this. Couldn’t I just choose the easier word? But no, I knew in my heart that the word I was resisting was the word I was supposed to choose. I’ve learned that where there is resistance, I often need to pay attention and really lean into the resistance. So, what is my word for 2022? It’s stay. Showing up last year challenged me in such good and deep ways. To make myself available to others. To pursue intentional proximity. To not keep others at arm’s length. To be willing to step into messes and awkward and uncomfortable. But showing up is just the start. After we show up, the real work happens when we choose to stay. Truthfully, I’ve done a lot of leaving in my lifetime. When things get awkward and uncomfortable, leaving is easier. When it gets hard and messy in relationships, leaving is safer. When I get tired of something, I have a tendency to just move onto another shiny thing. I’ve also been the recipient of people leaving my life, too. I have grieved the loss of relationships where someone chose to walk out of my life because I was too much, or not enough, or because they were jealous, or, in some cases, I honestly don’t know why… they just stopped answering my texts or stopping wanting to get together. Sometimes, I’ve been very much at fault. And sometimes, it wasn’t anything I did. I’ve experienced the deep pain that comes from someone in essence saying, “You’re not worth fighting for. This relationship isn’t worth pushing through the hard to (hopefully) come out stronger on the other side.” In the past few years, I’ve worked through a lot of my own insecurities and hurts that have caused much dysfunction in relationships for decades. I’ve also realized how I’ve often looked to people and relationships to fill a void in my life that only God can truly fill and I’ve put very unreasonable expectations on others as a result. Understanding how much I am loved by God and living out of that love has completely changed my relationships. No longer am I seeking for affirmation and approval from others. I know how deeply I am loved by God and I can just love others wholeheartedly as a result. But even though I’ve done all this deep heart work, the idea of choosing the word stay for this year still kind of scares me. What will it mean? What will it require? What will it cost? I don’t know, but I want to be faithful to say yes to what God has called me to and to be faithful to stay where He’s placed me, even if it’s hard and uncomfortable. I don’t know what this year will look like, but I have a feeling there are going to be some heart lessons involved and I want to be open, willing, and available to whatever that looks like. I want to be a person who stays. Did you choose a word for 2022? If so, I’d love to hear what you chose! More posts on my words of the year in previous years: Why You Should Choose a Word for the Year My Word for 2021 My Word for 2020 My Word for 2019 My Word for 2018 My Word for 2017 My Word for 2016 [ad_2] Source link

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