YOU Magazine - October 2009
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Jeannie O'Grady     Jeannie O'Grady
Mortgage Loan Originator, NMLS #209607
Creative Mortgage Lenders, NMLS #247952
Phone: Cell/Text: (727) 542-7001
Fax: (727) 823-0687
License: 209607
Jeannie@CreativeMortgageLenders.com
www.CreativeMortgageLenders.com
Creative Mortgage Lenders, NMLS #247952
October 2009



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The Importance of Acting Now
Waiting Really Could Cost You

Low home loan rates this year have lulled many people into believing that rates in the 5.00% and lower range are "normal". This is not the case and if you are in the position where you could refinance or are considering buying a home, complacency is not your friend.
   The Importance of Acting Now - Waiting Really Could Cost You
What's Your Attitude?
The Path to Remaining Positive
and Developing a YES! Attitude

Author Aldous Huxley once said, "It's not what happens to you, it's what you do with what happens to you." Whether you are looking for success in your personal or business life, one thing is certain: A positive attitude is the foundation to everything you want to achieve in life.
   What's Your Attitude? - The Path to Remaining Positive  - and Developing a YES! Attitude
Learning the Value of Money
9 Ways to Teach Financial Responsibility to Children

If the current economic recession has taught us anything, it’s that financial education and responsibility are critical in today’s fast-paced, wired world. All too often, however, children grow up immune to the financial world around them. As a result, they’re often ill equipped to manage their own finances when they become adults and leave home.
   Learning the Value of Money - 9 Ways to Teach Financial Responsibility to Children
10 Things We Overpay For
You Can Save Big by Buying Cheap Alternatives Instead
By Joan Goldwasser, Kiplinger's Personal Finance

Does the avalanche of news about layoffs, business losses and a declining stock market have you looking for ways to cut your spending so you can beef up your savings? We're here to help, with suggestions for less-expensive alternatives to ten everyday purchases (for more ideas, go to www.BillShrink.com, which tracks cell-phone plans and credit cards).
   10 Things We Overpay For - You Can Save Big by Buying Cheap Alternatives Instead - By Joan Goldwasser, Kiplinger's Personal Finance
Laughter is the Best Medicine
But Why?

You’ve heard about the health benefits of laughter, but what really happens when you laugh that makes it so beneficial? Doctors and scientists have a few ideas.
   Laughter is the Best Medicine - But Why?
BOO!
Don’t Be Scared! It’s Only Halloween!

Halloween falls on a Saturday this year, so you know what that means. From trick-or-treaters to costume parties, Americans will be celebrating in full force. Given the projected participation, this seems like the perfect time to pass along some helpful information, guaranteed to take the fright out of prepping for a big night.
   BOO! - Don’t Be Scared! It’s Only Halloween!
Now That’s Italian!
The Art of Preparing Perfect Pasta
By Kirk Leins

The subject of pasta is one of polarity. While it has the potential to be a quick and easy weeknight dinner, preparing it correctly requires a working knowledge of its complexities, an appreciation for its culinary importance, and the belief that with a pot of boiling water and some great ingredients you, too, can cook like an Italian.
   Now That’s Italian! - The Art of Preparing Perfect Pasta - By Kirk Leins


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