YOU Magazine - September 2011
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Clayton Scott     Clayton Scott
Branch Manager/Mortgage Consultant
WMS Series LLC/AT
Phone: 503-497-5060
NMLS ID 754407
License WA-CL 713524, OR-ML 5271
cscott@windermeremortgage.com
www.windermeremortgageservices.com/cscott
WMS Series LLC/AT
September 2011



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Is It Time to Refinance?
Three Questions to Consider
Leonard Baron, MBA, CPA, and author of Real Estate Ownership, Investment and Due Diligence 101

So you've read that interest rates are near historic lows and you want to figure out if you can refinance. Financing has become significantly harder to do and more expensive in the past few years, thanks to the financial crisis. But refinancing is still possible and may make financial sense.
   Is It Time to Refinance?Three Questions to ConsiderLeonard Baron, MBA, CPA, and author of Real Estate Ownership, Investment and Due Diligence 101
I Scream, You Scream
We All Scream for French Vanilla Ice Cream
By Kirk Leins

Sweet, creamy, decadent and refreshing; is there any dessert more satisfying than a bowl of French vanilla ice cream? The only thing that tops it for me is when the ice cream is homemade. In this issue of 360 Degrees, follow along this all-time reader favorite as I show you how to prepare this classic treat, as well as a few desserts that feature it.
   I Scream, You ScreamWe All Scream for French Vanilla Ice CreamBy Kirk Leins
Lower Your Grocery Costs
A trusted app now has mobile grocery coupons, and a new site helps you save money by providing recipes that use ingredients you already have.
By Cameron Huddleston, Kiplinger.com

Coupon Sherpa, one of our favorite free iPhone and iPod Touch applications, has added grocery coupons to its line-up of mobile coupons for hundreds of retailers, restaurants and services. This is good news for those of us who like the idea of coupons but don't always have the foresight to find and print them before we head to the grocery store.
   Lower Your Grocery CostsA trusted app now  has mobile grocery coupons, and a new site helps you save money by providing  recipes that use ingredients you already have.By Cameron Huddleston, Kiplinger.com
Pick Up the Controller
Get Involved with Your Kids and Video Games
By Trevor Kerrick

Video games are slowly growing from a hobby to a more mainstream form of entertainment. According to CNBC, the video game industry earned $18.58 billion in 2010, and Call of Duty: Black Ops, the best-selling game of that year, earned $1 billion in its first six weeks alone. On June 27, 2011 the U.S. Supreme Court ruled that games are protected under the First Amendment just like literature, movies, and music.
   Pick Up the ControllerGet Involved with Your Kids and Video GamesBy Trevor Kerrick
Cell Phones for Children
Deciding Whether It's Right for Your Family

School is now in session in most parts of the country. For many families that means driving children to and from class, extra-curricular activities, and friends' houses. Of course for some families, it also means it's time to resurrect the discussion about whether or not to purchase a cell phone for their child.
   Cell Phones for ChildrenDeciding Whether It's Right for Your Family
Foods That Can Fool You
13 Common Dietary Offenders

Eating can be a truly delightful experience. Figuring out which foods are good for you, on the other hand, is taxing to say the least. The biggest obstacle we face in this challenge isn't the evolving nutritional research, or even the countless diets that exist. The main problem lies within the food items themselves, particularly the foods that aren't necessarily what they appear to be.
   Foods That Can Fool You13 Common Dietary Offenders


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