YOU Magazine - August 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.academymortgageyuma.com
Academy Mortgage (NMLS 3113)
August 2009



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The Clock Is Ticking!
Government Actions Mandate Time Sensitive Decisions

These are new times in the mortgage business. Government involvement comes to those who need it, those who want it, and those who didn't ask for it. Some of the government's actions bring rewards for those who act soon. If you are going to be seeking financing in the next few months, here are some things you need to know.
   The Clock Is Ticking! - Government Actions Mandate Time Sensitive Decisions
Save or Pay Down Debt?
Get Rid of High-Interest Debt
Before You Start Setting Aside Cash
By Cameron Huddleston
Kiplinger.com

Should you be putting money in savings or investments at the same time you're paying off a loan? That's one of the most frequently asked questions we get at Kiplinger, and the answer isn't always obvious.
   Save or Pay Down Debt? - Get Rid of High-Interest Debt - Before You Start Setting Aside Cash - By Cameron Huddleston - Kiplinger.com
What Does the Internet Say About You?
Simple Steps to Improve Your Online Persona
Before Potential Employers See It

Your online persona is a lot like your credit score. It's already out there whether you check it or not. And other people–important people who make decisions about your future–can review it at any time.
   What Does the Internet Say About You? - Simple Steps to Improve Your Online Persona - Before Potential Employers See It
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. Follow along as I show you how to prepare this classic treat, as well as a few desserts that feature it.
   I Scream, You Scream - We All Scream For French Vanilla Ice Cream - By Kirk Leins
Don't Leave Home Without This!
Subjects to Address with Your Undergrad-To-Be

The college fall semester is right around the corner and for most incoming freshmen it will serve as a maiden voyage for living away from mom and dad. If you're a parent who's facing this situation, here are five topics that are a must to discuss with your undergrad-to-be.
   Don't Leave Home Without This! - Subjects to Address with Your Undergrad-To-Be
Get Organized Before Summer Ends!
5 Projects, Plus Proven Strategies from a Professional Organizer

It happens to the best of us. We’re so busy with our summer events and daily to-do lists that things get a little out of place and out of hand. Before you know it, summer's over—and the unresolved clutter from one season starts spilling over into the next.
   Get Organized Before Summer Ends! - 5 Projects, Plus Proven Strategies from a Professional Organizer
Go Swimming!
Your Guide To a Water Workout

There are two types of people, those who exercise on a regular basis and those who don't do it nearly enough. Regardless of the category you fit into, swimming is an exercise that can benefit everyone. So, grab your swimsuits and head for the water. We're going swimming!
   Go Swimming! - Your Guide To a Water Workout


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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