YOU Magazine - November 2009
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Jeannie O'Grady     Jeannie O'Grady
Mortgage Loan Originator, NMLS #209607
Creative Mortgage Lenders, NMLS #247952
Phone: Cell/Text: (727) 542-7001
Fax: (727) 823-0687
License: 209607
Jeannie@CreativeMortgageLenders.com
www.CreativeMortgageLenders.com
Creative Mortgage Lenders, NMLS #247952
November 2009



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Are You In for a Trick or Treat?
Learn What Remains for Those Seeking a Home or Loan

The last weekend in October you were likely treated to a host of Halloween characters, all in search of treats, not tricks. People searching for a new home or a mortgage, whether they donned a costume or not, may have gotten a little of both.
   Are You In for a Trick or Treat? - Learn What Remains for Those Seeking a Home or Loan
Take Your Home's Energy Pulse
You Might Be Spending More Than You Think on Your Energy Bills, Check Again
By Jessica L. Anderson and Pat Mertz Esswein, Kiplinger.com

Gene and Diane DeJoannis of Manchester, Conn., thought they had cut their electricity use to the bone. But to double-check, Gene, 66, a semi-retired engineer, installed a home-energy monitor that continuously displays the home's electricity usage in kilowatt-hours (kWh). In the following year, the couple cut their electricity use by an additional one-third and their annual bill by 15% (from $715 to $606), despite a 15% increase in their electric rate.
   Take Your Home's Energy Pulse - You Might Be Spending More Than You Think on Your Energy Bills, Check Again - By Jessica L. Anderson and Pat Mertz Esswein, Kiplinger.com
Talkin' Turkey
Non-traditional Options for a Traditional Holiday
By Kirk Leins

When it comes to holiday faire it doesn't get any more traditional than Thanksgiving dinner. But there's a problem with this meal. It's built to feed an army. So, if you're looking to host a much smaller gathering this year you've come to the right place. We're talking turkey...turkey options, that is.
   Talkin' Turkey - Non-traditional Options for a Traditional Holiday - By Kirk Leins
Stop the Spread of H1N1
Information is the Best Defense!

Despite predictions from researchers at Purdue University that the H1N1 outbreak will peak soon, the reality is that it won't be going away in the near future. Let's not forget that the news is filled with shortages of the vaccine and the number of H1N1 cases continues to surge across the country. In fact, just recently President Obama declared H1N1 a national emergency.
   Stop the Spread of H1N1  - Information is the Best Defense!
The Importance of Play
A Message from Kevin Carroll

Everybody's working for the weekend. Thank God it's Friday. There aren't enough hours in the day! These are just some of the messages that speak to our overworked and overstressed society. But, there is a solution to the sense of overwhelm so many of us experience. That solution is making time to play.
   The Importance of Play - A Message from Kevin Carroll
Home for the Holidays
Preparing Yourself and Your Home for Holiday Guests

When it comes to the holidays your to-do list seems endless. Just when you think you have it under control the doorbell rings. You look through the peep hole and standing on the front step are your relatives. With suitcases in hand, they are ready for an extended stay at your home. The real question is...are you?
   Home for the Holidays - Preparing Yourself and Your Home for Holiday Guests
Honoring America's Heroes
National Veterans Day

On Wednesday, November 11, the nation will observe Veterans Day. This is a wonderful opportunity to honor America's veterans for their patriotism, love of country, and commitment to serve and sacrifice for the common good of the USA.
   Honoring America's Heroes - National Veterans Day


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