YOU Magazine - September 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)
September 2009



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Buying Your First Home
Memories and Money Await You

First-time home buyers (FTHB) are taking advantage of one of the best real estate environments we have ever seen. Home affordability this year has been at an all time high with low interest rates and declining home prices. However, buyers on the fence should not be complacent.
   Buying Your First Home  - Memories and Money Await You
Score Big Savings on Health Coverage
By Kimberly Lankford
Kiplinger.com

Washington is buzzing about pending changes in the health-care system, and a bill could pass before the end of the year. In the meantime, if you're facing a layoff, graduating from college and losing benefits, or struggling to pay rising premiums, you can still find affordable coverage.
   Score Big Savings on Health Coverage  - By Kimberly Lankford - Kiplinger.com
Leading the Way into the New School Year
Tips to Help Parents Save Time and Help Children Grow
By Jason W. Womack and Joe Bruzzese

The start of the school year is an especially busy time for families. Sometimes it can seem like children are taking on too much or you can worry about how they're handling everything they have to do.
   Leading the Way into the New School Year - Tips to Help Parents Save Time and Help Children Grow - By Jason W. Womack and Joe Bruzzese
Burger Meister
Mastering the World’s Most Perfect Sandwich
By Kirk Leins

When you think of American cuisine, the dish that most likely comes to mind first is the hamburger. It's not only the most iconic foodstuff our country has to offer, when done right it is also one of the most delicious and satisfying meals you can eat with your hands.
   Burger Meister - Mastering the World’s Most Perfect Sandwich - By Kirk Leins
Back to School...Back to Optimal Energy
The Importance of Eating Breakfast
By Jim Karas

It's September and for most of us, that means a return to the "Back to School" mentality. At the same time, you may have been enjoying the summer by sleeping in more, traveling, cutting out early on Friday, and maybe even exercising less. Then all of a sudden – BAM – you are back in action and expected to be producing at full throttle with optimal energy.
   Back to School...Back to Optimal Energy - The Importance of Eating Breakfast - By Jim Karas
It’s Easy Being Green
Not to Mention Cost Effective

It's tough to argue against the idea of leading an environmentally conscious existence. But, a concern for many people is that going "green" means spending extra money on eco-friendly products. We’ll put that myth to rest with a list of products that will not only help preserve our environment, but our budgets as well.
   It’s Easy Being Green - Not to Mention Cost Effective
The School Year's Back
Fun Facts about Education

September is here, which means parents and kids around the country are back in the routine of homework and study time. In honor of the school bell ringing once more, here are some interesting facts about education from Every Learner.
   The School Year's Back - Fun Facts about Education


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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