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A PRIL ’ S N EWS 4U REFERRALS ARE THE

De cember 2 010 Vo lum e 3 , Is su e 12

OF MY BUSINESS

What’s In the “Empty” Gold Box?

INSIDE THIS ISSUE What’s In The “Empty” Gold Box?

The holidays are a time of giving, receiving – and remembering the priorities: Once upon a time there was a man who punished his five-year-old daughter for using a roll of gold wrapping paper. Money was tight, and he became angry when he saw the child put the wrapped box under the holiday tree. “We barely have enough to get by,” he said harshly, “and you used up the only wrapping paper we had in the house. Go to your room and stop being so wasteful.” Nevertheless, the little girl brought the gift to her father the next morning, and said, “This is for you, Daddy.” The father was embarrassed by his earlier overreaction, but his anger flared again when he found that the box was empty. “Don’t you know that when you give someone a present, there’s supposed to be something inside the package?” The little girl looked up at him with tears in her eyes and said, “Oh, Daddy, it’s not empty. I blew kisses into the box until it was full. All for you, Daddy.” The father was crushed. He put his arms around his little girl, and begged her for forgiveness. He kept that gold box by his bed for years. Whenever he faced difficult problems and felt discouraged, he’d take out an imaginary kiss and remember the love of the child who had put it there. Sometimes the most unexpected gift is the best gift! My warmest wishes for a holiday season filled with the best of gifts.

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Ask April

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A Bountiful Spectrum of Celebrations

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This Month in History

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This Month’s Quiz Question

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Are You Financially Ready for a Mortgage?

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What’s A Perfect Gift?

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Dreams Do Come True

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April Dunn Mortgage Broker Mortgage Alliance Homeline Mortgage 250-826-3543 (Interior) 604-628-2071 (Lower Mainland) april@homelinecanada.com www.kelowna-mortgagebroker.com

I heard the bells on Christmas Day Their old, familiar carols play, And wild and sweet The words repeat Of peace on earth, good-will to men! ~ Henry Wadsworth Longfellow


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April’s News4U

Ask April What is the benefit of getting preapproved? A pre-approved mortgage is just like applying for a mortgage when you buy a home, but it is done ahead of time. I will take all the information it requires from you to determine how much you can comfortably afford to pay each month and what price range of home you can look at purchasing. With a pre-approved mortgage you can shop with confidence, knowing that the biggest hurdle in home buying has been seen to ahead of time. Generally speaking, pre-

Email your questions to april@homelinecanada.com or give me a call if you would like an answer right away.

approval terms and conditions are guaranteed by the financial institution for up to 120 days, giving you the protection of 'locking in' a certain mortgage rate should rates climb higher while you look for a home to purchase. If interest rates go down, the banks will generally give you the lower rate.

A Bountiful Spectrum Of Celebrations December is a month of celebrations and holidays that span many different countries and cultures. Don’t miss out on any of them. Here, in chronological order, is a guide to what your friends and neighbours are up to this month: Hanukkah. This year this eight-day Jewish holiday begins at sundown on December 1 (because the traditional Jewish calendar begins at sunset). Hanukkah marks the rededication of the Temple of Jerusalem following the Jews’ victory over the Hellenist Syrians in 165 B.C. According to the Talmud, the Jews had only enough olive oil to keep the eternal flame in the Temple burning for a single day, but miraculously, the oil continued to burn for eight days, during which time the Jews were able to produce and consecrate fresh oil for the flame. Hanukkah is observed by the lighting of a nine“One candle is lit each of the eight nights, with a central candle lit each night to light the others.”

branched candelabrum, called a menorah. One candle is lit each of the eight nights, with a central candle lit each night to light the others. Al-Hijra. The Islamic New Year is observed this year on December 7, the first day of the month of Muharram, when the prophet Muhammad and his followers emigrated from Mecca to the city now known as Medina in the year 622. Several years earlier Muhammad had advised some Muslims to leave Mecca to escape persecution, but remained there himself until growing hostility prompted them to relocate. Please see Bountiful Spectrum on page 5


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April’s News4U

THIS MONTH IN HISTORY

December 1, 1988 - Benazir Bhutto was nominated to become prime minister of Pakistan, the first woman to govern a Muslim nation. December 8, 1980 - Former Beatle musician John Lennon was assassinated in New York City. December 13, 1577 - Francis Drake departed Plymouth, England, in the Golden Hind on his voyage around the world. December 14, 1911 - Norwegian explorer Roald Amundsen became the first person to reach the South Pole. December 15, 1939 - Gone with the Wind had its world premiere in Atlanta, introduced by producer David O. Selznick and featuring appearances by Vivien Leigh and Clark Gable.

Here’s What They’re Saying About April “We can’t thank you enough for all your help & hard work. Without you this would not have been possible. Thank you so much!” - Suzi, Inga & Devon “This is a quick note to say “Thank You” to April Dunn for her help, assistance and calm personality during the process of buying our home. We’re happy where we are today and April helped us get here.” Thank you. - Andrea and Steve

December Quiz Question How much did Lucy charge for a psychiatric session in the classic Christmas TV special A Charlie Brown Christmas? Everyone who faxes, emails or calls in the correct answer by the last day of this month will be entered into a drawing for a $30.00 gift certificate to Earls. Thank You! Thank You! Thank You!

A very special thank you to all of my clients and friends who graciously referred me to their friends, family and neighbours this past month. My business is based on referrals from great people like you! Mike Richards, Cecile Guilbault, Jennifer Williamson

IS IT TIME FOR A MORTGAGE REVIEW? Stick out your financial paperwork and say, "Ahhhh!" It's time for a check-up. Thankfully, this check-up doesn't require you to face your weight on that maddeningly accurate doctor's scale, or sit in a cold and drafty little room with an open hospital gown. Actually, it's a mortgage check-up that's in order, and making time for a quick review may yield some fruitful results. Why? Life changes, families grow, job's move, retirement objectives shift. There are any number of reasons why your mortgage and possibly your entire financial picture should be evaluated from year to year. Maybe there are no changes needed but if there are it's better to identify them early. Give me a call today at 250-826-3543 so we can schedule your check-up.


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April’s News4U

Are You Financially Ready For A Mortgage? Buying a home is one of the biggest financial decisions you will make, so it is important to know your current financial situation to be sure that you buy a home that you can afford. Getting your mortgage pre-approved will let you know what kind of house you can afford. It will make the search for your home easier and less time-consuming. To get your mortgage pre-approved, you will need: •

your personal information, including identification such as your driver’s license; details on your job and proof of your salary; information about your bank accounts, financial assets, current loans and other debts; how much your down payment will be and where the money is coming from; and Proof that you have enough money to cover the costs of closing the sale —

usually between 1.5 — 4 per cent of the cost of the house. Sometimes, after everything has been taken into account, you may find that you can’t afford the house you want. If that happens, you may want to: • • •

Pay off some loans first Save up a larger down payment. Revise your target house price.

If you would like to get an idea on how much you may be able to spend on a home, please give me a call for a no obligation review.

August Quiz Answer Question: Dave Gilmore and Roger Waters were in which rock group?

Answer: Dire Straits ANNOUNCING AUGUST’S WINNER! (Drum Roll Please!!) Congratulations to Brady Johnson for winning the month’s challenge. Watch for your name in a coming month!


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April’s News4U

Bountiful Spectrum from page 2

Hijra means “migration” in Arabic, and is related to the Latin hegira, which also refers to a journey or migration. The Islamic New Year is not marked by religious rituals or observances, but many Muslims use the occasion to reflect on the past and future, as well as the original Hijra itself. Christmas. This Christian holiday on December 25 celebrates the birth of Jesus, sometime between the years 7 and 2 B.C. The word “Christmas” comes from “Christ’s Mass,” a phrase first recorded in old English as Cristes mæsse in 1038. Christmas began to be observed with feasts and celebrations in the Middle Ages; King Richard II of England hosted a Christmas feast in 1377, with a menu that included eight oxen and 300 sheep. The colonial Puritans of New England disapproved of Christmas celebrations, which were banned during the 17th century. But other colonists observed the day with Christmas trees and nativity scenes. President Ulysses S. Grant signed the law making Christmas a federal holiday in 1870.

Kwanzaa. A seven-day celebration of African heritage and culture observed annually from December 26 to January 1, Kwanzaa was created in 1966 by activist Ron Karenga to provide African Americans with a holiday that emphasized their shared history and experience. The name Kwanzaa is derived from matunda ya kwanza, a Swahili phrase meaning “first fruits.” Houses are decorated with African art and colorful cloth, and seven candles are placed in the kinara, a candleholder. The central candle in the kinara is black, with three red candles on the left and three green candles on the right. The candles represent the Seven Principles of Kwanzaa, which are contemplated each day as one is lit: unity, selfdetermination, collective work and responsibility, cooperative economics, purpose, creativity, and faith.

What’s a Perfect Gift? Somewhere between our desire to give and our delivery of the perfect gift, the point of the effort gets lost. Often, it’s because there’s a vast difference between what we can afford and how meaningful we want the gift to be for the recipient. But “meaningful” doesn’t have to be expensive or rare or even three-dimensional. The act of merely passing on information can be a great gift to others. Think about instances when someone has done this for you: Sent you an article about an unusual remedy to a problem you’d been having; clued you in to a vital piece of information at work that put you in the know and increased your value on the job; told you about a book that gave you a new perspective – possibly even changed your life. Bits of wisdom, guidance to publications, recommendations for doctors, daycare centers, other professional services, networking opportunities – all of it has the potential to make a difference in someone’s life. And it’s all within your reach. The key is to assess what someone especially needs, and then give it in an openhearted manner when the time is just right. That, indeed, is a perfect and meaningful gift. May your holidays be filled with all that’s perfect and meaningful!


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April’s News4U Referral Reward Program

I want to thank those of you who have participated in my Client Referral program! Marketing for new clients costs me tons of time, money and energy! Like anyone, I need new clients to stay in business. Over the years, I have found that looking for new clients takes away from the time I would rather be spending working for you and other clients! If I helped you with your mortgage, you know how well I serve my clients. If you refer your friends and family to me, everyone benefits. I can serve you better. I send you a nice gift. And I assure you that I’ll take the very best care of any friends or family that you refer my way. For more information about my Referral Reward Program Just give me a call at 250-826-3543

GREEN HOLIDAY TIPS Make Your Own Wrapping Paper: Wrap presents with old maps, the comics section of a newspaper, or children's artwork. Or use a scarf, attractive dish towel, bandana, or some other useful cloth item. Buy Energy-Saving Holiday Lights: Now you can decorate your house with LED lights that use 90 percent less energy than conventional holiday lights, and can save your family up to $50 on your energy bills during the holiday season! Add Organic and Local Foods to Your Holiday Feast: Support local family farmers who grow sustainable meat and produce. Stocking Stuffers: Give the gift of organic, fair-trade chocolate and you can eat your way to a better planet. Recycle Your Christmas Tree: Ninety-eight percent of Christmas trees were grown on farms, not in forests, so at least it's not as if you're cutting down an ancient tree.

Can’t Afford To or Can’t Afford Not To? Do you know someone who dreams of becoming a first-time homeowner or needs to move into a larger home, but believes they can’t afford it? With mortgage interest rates at historic lows and a large inventory of houses, for many people there has never been a better time to buy. The next time you’re in a conversation with a friend, family member or neighbour and they mention that they’d love to stop paying rent and own a home, or their family is growing and they need a larger house, feel comfortable enough to take out your cell phone, look up my number (123-456-7890) and call me immediately. I’ll meet with them to review current mortgage interest rates, what’s important about buying to them, and whether or not buying right now is a good fit for their financial picture. P.S. That first home or larger home is more within reach than many people imagine. Be sure to call me when someone you know says they’re thinking of buying so we can give them my time and expertise.

Mortgage Rates Continue At An All-Time Low! Don't miss out. Get your best rate now! Call 250-826-3543 and speak directly to me.


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April’s News4U

Dreams Do Come True Do you have a dream but think you lack the skills to achieve it? A lack of skills doesn’t mean you can’t reach for – and achieve – your dream. Look at songwriter Irving Berlin. Born in 1888 as the youngest of eight children, Berlin’s family emigrated from Russia to New York in 1893. His father died when Berlin was eight, and as a young boy Berlin sold newspapers on the street to help support his struggling family. He left home at 14 and began singing in New York saloons for spare change, then went on to work as a singing waiter in Chinatown. With just two years of school and no formal music education, Berlin managed to get work as a lyricist on New York’s Tin Pan Alley, the center of the American music publishing industry in the late 19th and early 20th centuries. Berlin had difficulty writing English and had to pick out his melodies on the piano with one finger, so after he composed a song he’d either sing or play it for an assistant who would transcribe it into musical notation. His own system of creating served him well: Seventeen complete musical scores for Broadway shows, musical scores for 18 Hollywood movies, and a total of more than 1,200 songs, 25 of which reached #1 on the popular music charts. In fact, if you’ve sung God Bless America or White Christmas, you’ve sung an Irving Berlin song. When Berlin died at age 101, his fellow songwriter Jerome Kern said, “Irving Berlin has no place in American music. He is American music.” Not bad for someone who “lacked the skills” of reading and writing music!

THANK YOU FOR THINKING OF ME! April, I’d like to introduce you to someone who is interested in: (__) BUYING A HOME (__) A REVERSE MORTGAGE

(__) REFINANCING (__) REAL ESTATE INVESTING

or they may have some other questions for you. Here’s their info: NAME: ____________________________________ PHONE: ______________________________ Or please call me at 250-826-3543 with your referrals. I would love to chat with you.

This newsletter is intended for entertainment purposes only. Credit is given to the authors of various articles that are reprinted when the original author is known. Any omission of credit to an author is purely unintentional and should not be construed as plagiarism or literary theft. Copyright © 2010 This information is solely advisory, and should not be substituted for medical, legal, financial or tax advice. Any and all decisions and actions must be done through the advice and counsel of a qualified physician, lawyer, financial advisor and/or accountant. We cannot be held responsible for actions you may take without proper medical, financial, legal or tax advice.


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April’s News4U APRIL’S FREE MORTGAGE RESOURCES FOR BUYING, SELLING OR REFINANCING YOUR HOME.

NAME: ___________________________________________________________________________ ADDRESS: ________________________________________________________________________ CITY: ________________________________ PROV: ____________________ PC: ______________ PHONE: ______________________________ FAX: _____________________ EMAIL: ___________ Please (__) Mail (__) Fax (__) Email Me The Following Special Free Reports: Please call phone, fax or mail this form to receive your FREE Report. (__) Special Report For Buyers: THE “7” MOST COSTLY MISTAKES MADE BY HOME BUYERS (__) Special Report for Real Estate Investors: THE FIVE DEADLY MISTAKES MOST REAL ESTATE INVESTORS MAKE (__) Special Report For Sellers: “7” STEPS TO GET YOUR HOME SOLD FAST (__) Special Report for Sellers: HOW TO PREPARE YOUR HOME FOR SALE (__) Special Report for Buyers: HOW TO STOP PAYING RENT & OWN YOUR OWN HOME (__) Please call me to arrange a no obligation “Mortgage Review” (__) Please send me more information about _______________________________________

FREE SUBSCRIPTION TO APRIL’S HOME NEWS Please send a FREE monthly subscription of April’s News4U to the following person. Also send them a friendly note, with my best wishes & explaining that they can cancel any time they wish: NAME: ____________________________________________________________________________ ADDRESS: ________________________________________________________________________ CITY: ________________________________ PROV: ______________________ PC: ____________ PHONE: ______________________________ FAX: ________________________EMAIL: _________


April's News4U