Set Yourself Up for Success in 2025!

Forget Resolutions: Why You Should Choose a Yearly Theme Instead

As January approaches, social media becomes flooded with posts about New Year's resolutions. You know the ones: "Get fit," "Save money," "Learn a new language." Yet by February, most of these well-intentioned goals are already abandoned. What if there was a better way to approach personal growth? Enter the Theme System.


What Is the Theme System?

The Theme System, popularized by CGP Grey and Myke Hurley through their podcast Cortex, offers a refreshingly different approach to annual self-improvement. Instead of setting rigid, specific goals, you choose a broad theme that serves as a guiding principle for your decisions throughout the year.


Think of a theme as a lens through which you view your choices. While a resolution might be "go to the gym three times a week," a theme might be "The Year of Health." This subtle but powerful difference changes how you approach personal development.


Why Themes Work Better Than Resolutions

Flexibility Over Rigidity

Traditional resolutions often fail because they're too rigid. Miss a week at the gym, and you've "failed" your resolution. With a theme like "The Year of Health," every decision becomes an opportunity to align with your theme. Maybe you can't make it to the gym, but you can take the stairs instead of the elevator or choose a salad over fast food.


Process Over Outcomes

Resolutions typically focus on specific outcomes: lose 20 pounds, save $5,000, read 52 books. Themes, however, emphasize the process of improvement. A "Year of Learning" might lead you to read books, take courses, or try new hobbies – all valid ways to pursue your theme.


Mindset Over Metrics

While metrics can be useful, they can also be demotivating when we fall short. Themes shift the focus from numerical targets to mindset changes. Instead of tracking specific numbers, you ask yourself, "Does this choice align with my theme?"


How to Choose Your Theme

  1. Reflect on Your Past Year: Start by reviewing the previous year. What worked? What didn't? What patterns do you notice? What areas of your life feel neglected or need attention?
  2. Identify Areas for Growth: Look for broad categories where you'd like to see improvement. These might include health, relationships, career, creativity, learning, or personal organization.
  3. Consider Your Current Season of Life: Your theme should align with your life circumstances. If you're starting a new job, perhaps "The Year of Foundation" would be appropriate. If you've been feeling stuck, maybe "The Year of Adventure" would provide the right push.
  4. Keep It Simple: Your theme should be easy to remember and apply. It should feel like a natural filter for your decisions, not another item on your to-do list.


Implementing Your Theme

Once you've chosen your theme, implementation is surprisingly straightforward:


  • Create Visual Reminders: Put your theme somewhere you'll see it daily – your phone wallpaper, a sticky note on your mirror, or your journal cover.
  • Use It as a Decision-Making Tool: When faced with choices, ask yourself, "What would the person living my theme do?"
  • Regular Check-Ins: Schedule monthly reviews to reflect on how your theme is influencing your choices and what adjustments you might need to make.
  • Share Your Theme: Tell friends or family about your theme. This creates accountability and might inspire others to adopt the system.


Example Themes and Their Applications

  • The Year of Less
  • Decluttering your space
  • Simplifying your schedule
  • Reducing digital consumption
  • Mindful spending


  • The Year of Connection
  • Prioritizing family time
  • Reaching out to old friends
  • Joining community groups
  • Being more present in conversations


  • The Year of Creativity
  • Trying new hobbies
  • Taking on different projects at work
  • Finding creative solutions to problems
  • Expressing yourself through various mediums


As you approach the new year, consider breaking free from the resolution cycle. Choose a theme that resonates with your aspirations and current life situation. Remember, the beauty of the Theme System lies in its flexibility and focus on continuous improvement rather than rigid goals.

The system acknowledges that life is complex and changing. Some weeks you'll feel highly aligned with your theme; others, less so. That's not failure – it's reality. What matters is having a north star to guide your decisions and help you grow in the direction you want to go.


So, what will your theme be this year?

Turn Extra Cash into Lasting Legacy: Help Your son/daughter Own a Home!

April 28, 2025
Helping Your Child Buy a Home: Smart Strategies with Tax Benefits  Many parents want to help their children buy a home, but doing so in a way that also provides financial and tax advantages is key. Here are a few strategies to consider when assisting your son or daughter with homeownership while maximizing tax benefits. 1. Gifting Money for a Down Payment The IRS allows individuals to gift up to $18,000 per recipient annually ($36,000 for married couples) without triggering a gift tax. If you stay within this limit, your child receives a down payment boost without tax consequences. 2. Loaning Money to Your Child Instead of gifting, you can lend money at the IRS’s Applicable Federal Rate (AFR), which is often lower than traditional mortgage rates. Structuring it as a formal loan allows your child to build equity while you may receive interest income. 3. Co-Signing or Co-Owning the Home Some parents choose to co-sign a mortgage or co-own the home. While this can help secure better loan terms, it also means shared financial responsibility. If you co-own, you may be able to deduct mortgage interest and property taxes on your tax return, depending on usage. 4. Buying the Home as an Investment Property If your child pays you rent, the home could be classified as an investment property. This allows you to deduct expenses like mortgage interest, property taxes, and maintenance. However, rental income must be reported to the IRS. Final Thoughts Every financial situation is unique, and tax laws change. Consulting with a tax professional or estate planner ensures that your support aligns with your financial goals and tax strategy. Helping your child buy a home is a generous step—doing it wisely ensures benefits for both of you.

Using Our Screening Score Sheet for Rental Applications

April 21, 2025
When applying for one of our rental properties, we use a comprehensive screening score sheet to ensure all applicants are held to the same standard. The score sheet evaluates various aspects of your financial stability and rental history, helping the landlord make informed decisions while maintaining a fair and transparent process! Here’s a breakdown of how we assess your application utilizing the screening score sheet: 1. Length of Residency: While longer periods at previous residences typically suggest reliability and commitment, we understand that some applicants may be first-time renters. We welcome first-time renters, and on the screening score sheet, you can assign yourself a "1" under "Length of Residency" if this is your first rental experience! 2. Collections: We review any outstanding collections, including monthly utilities or bills, as well as loans (excluding medical bills). This helps us assess your overall financial responsibility. Your estimated monthly payment for all your loans, utilities and bills is also taken into consideration. 3. Rent-to-Income Ratio (per household): To ensure you can comfortably afford the rent, we require that your monthly income is at least 2.5 times the rent amount. This ratio helps us verify your ability to manage rent payments alongside other living expenses. 4. FICO Score: While there is no specific minimum FICO score, we do take it into account when evaluating your financial health. A higher score indicates a history of responsible credit management. 5. NSF/Late Payments & Landlord Disputes: We look into your rental history to ensure that there are no frequent NSF (non-sufficient funds) or late payments, and that there are no unresolved disputes with previous landlords. Please note that all application charges are non-refundable, and every occupant over the age of 18 must submit a separate application. Our scoring system ranges from 0 to 21, with 15 being the lowest acceptable score. All approvals or denials are ultimately decided by the property owner. We do not operate off a first come first serve basis, so if you are curious about the status of applications prior to applying, please don’t hesitate to call our office! By using our screening score sheet, we aim to create a rental environment where both tenants and property owners can thrive. This score sheet can be found on our site, under the Before You Apply Manual, as well as under “Rental Resources”.

Declutter and Earn: Join the Outdoor Swap Meet at the Downtown Recreation Center in Henderson!

April 16, 2025
Looking to declutter your home while making some extra cash? The outdoor swap meet at the Downtown Recreation Center in Henderson is the perfect opportunity! Whether you’re cleaning out your closets, clearing space in your garage, or finding a new home for gently used toys, books, and clothes, this event is your chance to turn those items into money. Each booth equals two parking spots, and registration is required at least one week in advance. All booths are assigned randomly, ensuring a fair and fun atmosphere for all. Remember, only second-hand items can be sold, so it’s a great way to recycle and give your items a second life. Event takes place April 19th & May 17th! The swap meet opens at 7am, so come early to shop! Admission is free for all ages, making it a perfect outing for families looking to find unique treasures. Ready to get started? Simply register on the City of Henderson website to secure your spot. It’s time to clean out, earn some extra cash, and find something new – don’t miss out on this exciting event at the Downtown Recreation Center!
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