YOU Magazine - October 2008
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Derek Egeberg - NMLS#180899     Derek Egeberg - NMLS#180899
Branch Manager, Loan Officer
Guild Mortgage (NMLS 3274)
Phone: (928) 247-9089
License: BK 0915245
derek.egeberg@guildmortgage.net
www.guildyuma.com
Guild Mortgage (NMLS 3274)
October 2008



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Is My Money Really Safe?
Frank Answers to Your Tough Questions

When IndyMac bank failed this summer, the lines of nervous account holders trying to withdraw their money made headlines everywhere. But that was an anomaly. The Federal Deposit Insurance Corp. (FDIC) has taken over ten other banks this year without incident. If you are worried about the safety of your money – in banks or brokerages, such as Lehman Brothers, which filed for bankruptcy September 14 – or money you've paid your mortgage servicer for taxes or insurance, here are answers to your pressing questions.
   Is My Money Really Safe? - Frank Answers to Your Tough Questions
Interesting Times: What the Credit Crisis Means to Your Mortgage
If there was any doubt left that the troubled US financial and credit markets are in full crisis mode, the historic events of September easily erased it. You've seen the headlines. You've heard the stories, but what does it all mean to you and your mortgage? This month, YOU Magazine will take a closer look at a September to remember and what it means to you - no jargon, no politics, just the facts.
   Interesting Times: What the Credit Crisis Means to Your Mortgage
Networking Faux Pas
By Dr. Ivan Misner

After two decades of running the world’s largest networking organization, I have certainly seen a lot of networking faux pas. A networking faux pas is a slip or blunder in networking etiquette or conduct. I’ve have put together a few of the most glaring ones that I’ve seen over the years so that you might avoid them in your networking efforts.
   Networking Faux Pas - By Dr. Ivan Misner
Halloween Costumes
Taking the Scare Out of a Last-Minute Decision

When it comes to Halloween, there are two types of people – those who plan their costume several months in advance and those who begin planning on October 30th. If you can relate to the latter, keep reading as we share some of our favorite last-minute Halloween costumes.
   Halloween Costumes - Taking the Scare Out of a Last-Minute Decision
Energy-Efficient Light Bulbs
What You Should Know

We’ve all heard that using compact fluorescent light bulbs (CFLs) is one very simple thing we can do to have a big impact on the amount of energy we use. In fact, if every American home replaced just one incandescent light bulb with an ENERGY STAR qualified CFL, we would save enough energy to light more than 3 million homes for a year, more than $600 million in annual energy costs, and prevent greenhouse gases equivalent to the emissions of more than 800,000 cars.
   Energy-Efficient Light Bulbs - What You Should Know
Salt
It's the Spice of Life
By Kirk Leins

Salt – it is a simple word, yet a complicated subject, well kind of. Scientifically speaking, it is a very basic compound. Historically, however, we are talking about one of the world's oldest and richest resources, with applications ranging from food to textiles. So, do yourself a "flavor" and follow along as I apply a little reasoning to the world’s greatest seasoning.
   Salt - It's the Spice of Life - By Kirk Leins
Stop Holiday Treats from Playing 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.
   Stop Holiday Treats from Playing Tricks on Your Teeth


LO# 0915245 BK# 0904081 Corp NMLS# 3113 Corp CA# 4170013 CA-DOC180899 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

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1375 W. 16th St., Suite B
Yuma, AZ 85364

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