YOU Magazine - October 2011
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YOU Magazine
Roy Sperr Jason Walters and Shawn Hunter     Roy Sperr Jason Walters and Shawn Hunter
NMLS: 202418/295556/348864
Equity Source Mortgage, Inc.
Phone: Roy (763) 657-2012
Phone: Shawn (763) 657-2017
Emails: roy@equitysourcemortgage.net
roy@equitysourcemortgage.net
www.equitysourcemortgage.com
Equity Source Mortgage, Inc.
October 2011



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Did You Know Your Feelings Could Impact Home Loan Rates?
Get the Skinny on Two Important Economic Reports

We all ask friends, family, and even perfect strangers the standard question: "How are you?" And most of us reply with a polite, "Fine, thank you," as we think people may not really want to know how we are doing or what we are feeling. But the truth is, our feelings matter...and they may have a greater impact on our economy–and ultimately our mortgage–than you think.
   Did You Know Your Feelings Could Impact Home Loan Rates?Get the Skinny on Two Important Economic Reports
How to Ensure That Your Time Is Never Wasted
By David Ackert, Founder, Practice Boomers

It happened again. You just wasted your time on a networking lunch with someone you'll never speak to again. They were nice enough, but the business potential was zero. And you now have 90 minutes less to complete the work that's waiting for you back at the office.
   How to Ensure That Your Time Is Never WastedBy David Ackert, Founder, Practice Boomers
Layaway Is Back
Find out how this installment-payment method works and which retailers are offering it.
By Cameron Huddleston, Kiplinger.com

I know it seems a little early to start thinking about holiday shopping, but several retailers are offering layaway programs to help customers buy items they want without racking up debt. In fact, Walmart announced September 8 that it will start offering layaway October 17 for toys and electronics "to help families deliver a big Christmas." It's been five years since Walmart last offered layaway, says consumer expert Andrea Woroch.
   Layaway Is BackFind out how this installment-payment method works and which retailers are offering it.By Cameron Huddleston, Kiplinger.com
4 Sites to Boost Your Family's Entertainment Budget
Experience Saving in the 21st Century
By Trevor Kerrick

A night out on the town can be expensive, especially if you're taking the whole family. So how can you explore your city without blowing your budget? There are quite a few Web sites out there made to help. Read on to learn about some of the best for your local saving pleasure.
   4 Sites to Boost Your Family's Entertainment BudgetExperience Saving in the 21st CenturyBy Trevor Kerrick
Oktoberfest
It's About More than Just the Beer
By Kirk Leins

When you think of Oktoberfest, the picture that most likely comes to mind is of dirndl-clad waitresses serving fistfuls of super-sized beers. But the annual Bavarian festival is also about eating hearty portions of traditional German food. Read on to learn more about some of my favorites.
   OktoberfestIt's About More than Just the BeerBy Kirk Leins
Love Those Holiday Treats?
Don't Let Them Play Tricks on Your Teeth

The holidays are approaching quickly. And that means you'll soon find yourself in a season of sugar and sweets that extends from Halloween night to New Year's Day. While many people are conscious of the toll that holiday food can take on their weight–and their waistlines–many people forget that the holiday season can be just as hard on their teeth.
   Love Those Holiday Treats?Don't Let Them Play Tricks on Your Teeth


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