YOU Magazine - May 2009
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Derek Egeberg - NMLS#180899     Derek Egeberg - NMLS#180899
Branch Manager, Loan Officer
Academy Mortgage (NMLS 3113)
Phone: (928) 247-9089
License: BK 0904081
derek.egeberg@academymortgage.com
www.az.academymortgage.com
Academy Mortgage (NMLS 3113)
May 2009



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When the Phone Rings: Prepare for the Great Misconception
Interest rates are at or near all-time lows. However, when shopping for a new home loan one thing you need to be cautious of could be referred to as the "Great Misconception" or "Great Deception." Beware of whom you speak with - they may not have your best interests in mind.
   When the Phone Rings: Prepare for the Great Misconception
Motivate Your Kids to Learn
A Message from Jason Womack

Motivating co-workers and colleagues isn't always easy. So, when it comes to motivating your kids, it's safe to say you might have your work cut out for you. Be sure to watch the accompanying video as productivity expert and former high school teacher, Jason Womack, shares his ideas for maximizing your children’s enthusiasm for learning.
   Motivate Your Kids to Learn - A Message from Jason Womack
Breakfast in Bed
The Perfect Gift for Any Mom
By Kirk Leins

Taking mom to breakfast or brunch on Mother’s Day is a time-honored tradition. While it is a worthy start to her special day, I believe that we can do better. This year, in lieu of waiting around for a table in a noisy restaurant, why not make things a bit more comfortable? Why not serve the mom in your life breakfast in bed?
   Breakfast in Bed - The Perfect Gift for Any Mom - By Kirk Leins
Get that Fresh Clean Scent…Without All the Toxins
Safe, Natural Products for Spring Cleaning

Spring is often associated with the dreaded chore of cleaning. And while many of us may dislike the actual act of cleaning, most of us enjoy that fresh clean smell that fills the home after a long winter. The question is, when you inhale that clean scent, what are you really inhaling?
   Get that Fresh Clean Scent…Without All the Toxins - Safe, Natural Products for Spring Cleaning
Get Next Year's Refund Now
By Kevin McCormally
Kiplinger.com

The April 15th deadline for filing your tax return has come and gone. And, thanks to e-filing, many of you have already received your refund. How much would it help your financial situation if you could get next year’s refund now? Read on to find out how you can do just that.
   Get Next Year's Refund Now - By Kevin McCormally - Kiplinger.com
Unhealthy Health Food
Are Those Good Choices Really That Good for You?

With much ado over the rising rates of obesity within our country, restaurants and food companies have responded with oodles of dishes and products that promise a healthier choice. What you should know is that not all of them are as good for you as they seem. Read along as we break down 10 foods, which require a closer look before you enjoy them guiltlessly.
   Unhealthy Health Food - Are Those Good Choices Really That Good for You?
You Never Know Who They Know
By Dr. Ivan Misner

What does this mean? Well, simply put, it means that we don't walk around wearing signs with the names of everyone we know on them. It would probably shock you to learn about some of the influential people your best friend knows but hasn't told you about. You can't assume that your friend, acquaintance, or referral partner doesn't have powerful contacts that can help you, or your business, in important ways.
   You Never Know Who They Know  - By Dr. Ivan Misner


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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Yuma, AZ 85364

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