YOU Magazine - January 2010
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YOU Magazine
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
January 2010



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The Times They Are a Changing
What’s Ahead for Home Loans in 2010

This year could bring significant changes from 2009 for those seeking home loans. Over the last year, home prices fell to 2003 and earlier levels in many parts of the country. In addition, home loan rates declined to the lowest levels on record and their combination led to the highest home affordability levels ever recorded. Here's a recap of what happened in 2009 and what you need to know for the year ahead.
   The Times They Are a Changing - What’s Ahead for Home Loans in 2010
A Fresh Look at Financial Security
Tips for Sound Preparation in a Not-So-Sound Economy

We've seen a lot over the last few years. From the collapse of the housing market to large financial institutions closing their doors, our economy is going through unprecedented change. If this state of flux has you wondering about your financial future, we urge you to read on. A little insight and a lot of helpful advice await you.
   A Fresh Look at Financial Security - Tips for Sound Preparation in a Not-So-Sound Economy
Red Carpet Posture
Your Guide to Feeling Great and Looking Glamorous

There are some incredible advantages to having good posture. Aside from making you look taller and thinner, good posture enables you to feel your absolute best. When you consider these benefits, it's rather strange more emphasis isn't put on achieving the proper posture. We'd like to introduce you to a man who's out to change that...one spine at a time.
   Red Carpet Posture - Your Guide to Feeling Great and Looking Glamorous
Comfort and Warmth Come Home
5 Decorating Tips for a Cozy Décor After the Holidays

The holidays are over and you're slowly getting your house back to normal. But that doesn't mean you have to pack away the cozy, comfortable feeling all those holiday decorations add to your home. With some simple decorations or re-arranged furniture, you can keep the cozy feeling for the rest of the winter season.
   Comfort and Warmth Come Home - 5 Decorating Tips for a Cozy Décor After the Holidays
Breakfast, Lunch and Dinner
The Most Important Meals of the Day
By Kirk Leins

The holiday season always wreaks havoc on our ability to eat healthy. Lucky for us, the New Year provides an opportunity to press the reset button and get back to business. But, before you start diligently counting fat grams or cutting carbs, I suggest focusing your efforts on eating more food...more home-cooked food that is.
   Breakfast, Lunch and Dinner - The Most Important Meals of the Day - By Kirk Leins
The Business World Loses a Legend
But The Wisdom of Jim Rohn Lives On

Last month, Jim Rohn passed away and the business world lost one of its most influential thinkers and speakers. Rohn was often referred to as "America's Foremost Business Philosopher" and his own story only helped fuel that perspective.
   The Business World Loses a Legend - But The Wisdom of Jim Rohn Lives On
Do Not Go Phish
Keeping Your Personal Data Safe

Your mother may have told you to trust people and to give them the benefit of the doubt. But when you are on the Internet it's best to live by the words of an old French proverb: Skeptics are never deceived. While most people using the Internet are trustworthy, the few that aren't can wreak havoc and cause you major headaches if they get hold of your personal information. That's why it's best to be a skeptic when you log on.
   Do Not Go Phish - Keeping Your Personal Data Safe


Content provided by Jeannie O'Grady, your reliable and friendly Mortgage Loan Originator. Programs and information are subject to change at any time and without notification. Please consult Broker for details

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Creative Mortgage Lenders, NMLS #247952
P.O. Box 76482
St. Petersburg, Florida 33734

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