YOU Magazine - April 2006
YOU Magazine
Laurie Gardner     Laurie Gardner
Senior Mortgage Loan Originator
Alaska USA Mortgage Company NMLS Unique ID #204060
Phone: (907)796-1202 / fax 907-929-6711
Fax: WA Consumer Loan Co. License #CL-157293
License: Mortgage License #AK157293
l.gardner@alaskausamortgage.com
www.lauriegardner.net
Alaska USA Mortgage Company NMLS Unique ID #204060
April 2006



March 2006


    
The Solution to Stage Fright
By Lance Miller, Toastmasters'
2005 World Champion of Public Speaking

There's a story about a man who is asked to make a choice between speaking in public or having a serious illness. He contemplates the question and then asks, "How serious is the illness?" According to surveys, fear of public speaking ranks higher for most people than fear of a serious illness or even fear of death. Yet, being an effective public speaker – capable of educating, motivating and inspiring a group – is a key ingredient when it comes to good leadership and good management.
   The Solution to Stage Fright - By Lance Miller, Toastmasters' - 2005 World Champion of Public Speaking
Building the Perfect Kitchen
Part II: Pots and Pans
By Kirk Leins

In the December issue of YOU, we began our series on how to build the perfect kitchen. The first article was all about knives and their importance as a starting point when acquiring tools for your new galley. Without a doubt, pots and pans should be your second area of focus when putting together a kitchen.
   Building the Perfect Kitchen - Part II: Pots and Pans - By Kirk Leins
Mortgage Shopping in the Spring Time!
Can’t You Just Smell the Roses?

Congratulations! You’ve just found the perfect house in the perfect neighborhood. Over the next 30-60 days, you’ll need to get everything else in place to ensure that this purchase happens. Or perhaps you’re already in your dream home, and now it’s time to refinance your mortgage so that you can consolidate expenses or do some home improvements. In either case, now you just have to find the perfect mortgage.
   Mortgage Shopping in the Spring Time! - Can’t You Just Smell the Roses?
Are Your Children Lying?
Don't Worry, It's Not As Bad As You Think
By Charles Franklin, PhD

Lying is one of the most common issues parents encounter, and it often drives them to seek counseling for their children. Parental motivation for seeking help runs the gamut, from a purist's intent to instill proper morals, to a self-serving desire to relieve their own discomfort. This discomfort may include feelings of embarrassment, frustration, confusion, and the fear that their one-time innocent child will grow into a pathological liar.
   Are Your Children Lying? - Don't Worry, It's Not As Bad As You Think - By Charles Franklin, PhD
It's Never Too Late to Improve Credit Scores
By Linda Ferrari
President, Credit Resource Corp.

There are many benefits to cleaning up damaged credit scores, even if you already own a home. By improving your credit score, you could save money on items such as car insurance, automobile loans, or any other type of loan. This is especially true when it comes to refinancing a home loan, because higher credit scores will always work in your favor. The goal is to secure the best interest rate available and save money. It's that simple.
   It's Never Too Late to Improve Credit Scores - By Linda Ferrari - President, Credit Resource Corp.
30 Minute Workouts
When One Hour Is Too Much to Ask

OK, a show of hands please. How many of you made a New Year’s resolution to get in shape and lose a little weight in the process? You’re not alone. Now, it's no secret how these resolutions turn out. Everyone tends to do well during the month of January; but by February, the majority of people have reverted back to their old ways. So, if you’re one of those people who’s resolved to get in shape, what are you going to do differently than before? Here’s a suggestion. How about a shorter workout?
   30 Minute Workouts - When One Hour Is Too Much to Ask
Thinking About Buying a Foreclosure?
You May Want to Read This First

Buying a home in foreclosure sounds like a great idea. Who wouldn’t want to purchase a house for 50, 60, or 70 cents on the dollar, as the late night infomercials claim? While there are great deals to be had, experts indicate that most foreclosures actually sell for 5% off market price. Still, that can turn out to be a significant savings. There are a few important things to keep in mind when pursuing this niche.
   Thinking About Buying a Foreclosure? - You May Want to Read This First


License AK# 157293 Washington Consumer Loan Company license# CL-157293 California Residential Mortgage Lending Act, License# 4131067

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Alaska USA Mortgage Company NMLS Unique ID #204060
8390 Airport Blvd, Suite 102
Juneau, AK 99801

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