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CNN's Dr. Sanjay Gupta -how to bring a little ‘happy’ to your life


So, here are some tips to on how to bring a little ‘happy’ to your life:

1) Stay active Don’t stay cooped up in your house after work or on the weekends. Do you like to sing? Join a choir. Love children? Donate time being a big brother or big sister. Crazy about animals? Volunteer at your local humane society. Look for your passion and use it in your daily life

2) Exercise Research shows walking even 30 minutes a day can take the blues away.

3) Get some sunshine Light deprivation can cause some people to get depressed, letting the sunshine in may boost your mood.

4) Laugh Often A study out of the University of Maryland Medical Center says laughter is the best medicine and can actually help keep your heart healthier by improving circulation.

When it doubt, accentuate the positive and eliminate the negative, and that may mean getting rid of some of the “toxic” people in your life. Also, be compassionate. According to some studies, it is one of the only reliable ways to get and stay happy.

Be sure to tune in to Dr. Sanjay Gupta every weekend on HOUSE CALL. You’ll find the answers to all your medical questions Saturday and Sunday at 8:30 a.m. eastern on CNN.

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Monthly payments and your income

Looking for a mortgage?
How much money can you most likely afford to borrow?

Keep in mind that you'll need to put a 10% - 20% down payment and taxes will also add to the monthly payment.

Mortgage Rates and Minimum Incomes Needed to Qualify

Interest Rate Monthly Payment Minimum Annual Income
4% $454 $21,770
5% $510 $24,479
6% $570 $27,340
7% $632 $30,338
8% $697 $33,460
9% $764 $36,691
10% $834 $40,017
11% $905 $43,426
12% $977 $46,905

Mortgage companies use ratios to analyze your mortgage payment. The above example shows the monthly payments of principal and interest, and income needed to qualify for a $95,000 mortgage at various interest rates, amortized on a 30-year schedule, assuming a payment ratio of 25%.

Source: National Association of Home Builders, Economics Divis