A PRIL ’ S N EWS 4U REFERRALS ARE THE
Ma y 20 11 Vo lum e 4 , Is su e 5
OF MY BUSINESS
The Power Of A Mother’s Kiss
INSIDE THIS ISSUE
When American-born painter Benjamin West (1738-1820) was seven, he was put in charge of his infant niece while his mother and sister went for a walk. As the baby lay in the cradle, Benjamin fanned flies away from her – and the baby laughed. Grabbing paper and a pen, Benjamin set to work trying to capture the baby’s charms. As he finished, his mother and sister returned.
The Power Of A Mother’s Kiss
Thinking About A Trip
This Month in History
This Month’s Quiz Question
Computer Reality Warp
Want More Energy In Your Workday?
Yes, You’re A Multilinguist!
Benjamin, caught off-guard, tried to hide his drawing so as not to upset his mother. But instead, his suspicious behaviour drew her attention. “What have you been doing?” she asked. Benjamin begged his mother not to be upset and handed her the paper. She looked at it and said to her daughter, “I declare, he has made a likeness of Sally.” Then she smiled and gave Benjamin a kiss. The following year a cousin sent a box of pencils, paints, and canvas. Benjamin disappeared one morning with the supplies, forgetting all about school. His mother, upset that he was neglecting his schooling, found him in the attic and was about to scold him when her eyes fell on the compositions he had created. Instead of reprimanding him, she picked him up, covered him in kisses, and promised to explain to his father what had kept him from his studies. Later, the famous artist was often heard to say, “It was my mother’s kisses that made me an artist.” Thank a mom on May 9 – Mother’s Day!
April Dunn Mortgage Broker Mortgage Alliance Homeline Mortgage 250-826-3543 firstname.lastname@example.org www.aprildunn.com
“How far you go in life depends on you being tender with the young, compassionate with the aged, sympathetic with the striving, and tolerant of the weak and the strong. Because someday in life you will have been all of these.” – George Washington Carver
Ask April Email your questions to email@example.com or give me a call if you would like an answer right away.
Should I wait for my mortgage to mature before obtaining an approval?
No. Begin shopping around for an interest rate at least 90 days before your mortgage matures. Lenders will often guarantee an interest rate to you as much as 120 days before your mortgage matures. Most lenders will cover or offset a majority of the costs of transferring your mortgage. This means a rate promised well in advance of your maturity date, thus eliminating any worries of higher rates. And if rates drop before the actual maturity rate, the new lender will usually adjust your interest rate lower as
well. Most lenders send out their mortgage renewal notices offering existing clients their posted interest rates. The rate you are being offered is usually not the best one. Call me if you have any questions.
Thinking About A Trip? If you’re considering a vacation that includes travel to a foreign country, here are some tips to help you stay safe, have fun – and even save a few shekels: Before you depart, do some research. That way you’ll know what typical weather patterns to expect and what kind of clothes to pack. You’ll also want to read up on the exchange rate and learn a few local phrases. Develop at least a general itinerary of what you want to see and do. Don’t waste your precious time in Paris trying to choose between the Eiffel Tower and the Left Bank – decide before you arrive. Be ready to learn. For example, not every culture is a smiling culture. Not every culture
“For example, not every culture is a smiling culture.”
runs on a tight, linear schedule. And some cultures have dress codes that should be respected. Pack lightly. You’ll have less to lose if something goes wrong, and less to drag from place to place. When it comes to your wardrobe, choose a color and get pieces that are simple and coordinated – shorts, slacks, shirts and jacket. Buy the most comfortable shoes possible that look good (or at least OK) Please see Thinking About A Trip on page 5
THIS MONTH IN HISTORY
May 4, 1494 - During his second journey of exploration in the New World, Christopher Columbus discovered Jamaica. May 10, 1994 - Former political prisoner Nelson Mandela was inaugurated as president of South Africa. Mandela had won the first free election in South Africa despite attempts by various political foes to deter the outcome. May 12, 1937 - George VI was crowned at Westminster Abbey in London, following the abdication of his brother, Edward VIII. King George reigned until his death in 1952. He was succeeded by his daughter Elizabeth, the current reigning monarch. May 18, 1980 - Mount St. Helens volcano erupted in southwestern Washington State spewing steam and ash over 11 miles into the sky. This was the first major eruption since 1857.
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 “Thank you again for getting our mortgage approval done so quickly. We were able to reach you on a Sunday and have it all done by a Wednesday/Thursday! Everything was so smooth!” - Erica & Danny “A true professional in this industry. You make this process easy to handle. We cannot see why we would look for anyone else. Great job April!” - Brent & Miriam
May Quiz Question What was the name of the system of safe passages and safehouses that allowed American slaves to escape to freedom in Canada?
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! Tracey Lang, Tanis Read, Trish Cenci
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.
Computer Reality Warp Many of us can’t imagine life without computers. And many of us can’t imagine using computers in real life vs. what we see on our movie screens. In the movies… •
A writer can type out a sentence the length of a Shakespearean soliloquy without once hitting the space bar. Anyone can infect a computer with a crippling virus simply by entering the words DOWNLOAD VIRUS on a keyboard.
Good guys and bad guys alike can infiltrate any computer in the world. Even when it’s turned off.
A hacker can guess any password in two or three attempts.
The most complex operation, involving massive amounts of data, can be accomplished in three seconds or less.
Every laptop in the world has real-time video phone capabilities and the performance of a Cray supercomputer.
Destroying the monitor prevents the entire computer from functioning.
The hero can immediately use any computer he or she finds, no matter how specialized or advanced.
The hero always finds the important email right away – it’s always at the top of the inbox, and no one ever has to wade through spam.
LET’S CONNECT!! Subscribe to my blog at: www.Kelowna-MortgageBroker.com Follow me on Twitter at: www.twitter.com/AprilDunn1 Connect with me on Facebook at: www.facebook.com/KelownaMortgageBroker
Thinking About A Trip from page 2
with the clothes you bring. Shoes that might be comfortable for running errands at home might not cut it when you’re standing in line for hours in Florence, Italy, to see Michelangelo’s David. Realize before you leave that your trip is not going to be perfect. Prepare mentally for delays and mishaps. Try to look at it all as just part of your adventure. Chances are when you get home and tell the tale of your journey, some of the annoying things will turn into funny stories that you’ll cherish for life. Avoid restaurant chains. Ask around to find out where the locals eat and give their suggestions a try. The food will be better and you’ll probably spend less.
badly on you and your country. Bring a small flashlight and keep it by your bed at night. You’re already in unfamiliar surroundings; you don’t want to be “in the dark” in the event of a power loss. Leave your expensive jewelry at home, and travel with only one or two credit cards. Carry your credit card information separately in case you have to report the cards lost or stolen. Always be aware of your surroundings. If you don’t feel safe, get out of the location or situation. Learn more from the experts at www.tsa.gov, www.catsa.gc.ca, www.alltraveltips.com, and 1000tips4trips.com.
Consider yourself a mini-ambassador. That means remembering that you are the foreigner and showing good manners while traveling. If you do something rude or out of line, it reflects
Want More Energy In Your Workday? Maintaining your energy level all day can be a challenge. Don’t ignore physical or mental fatigue, but don’t surrender to it, either. Try these tactics for recharging: Move around. Take a walk, even if it’s just a quick stroll around your office several times throughout the day. Getting your blood flowing speeds delivery of oxygen and nutrients to your body. Take a deep breath. Several, actually. Sit up straight to open your chest cavity and get more oxygen into your lungs. Here’s an exercise: Breathe out through your mouth completely. Then inhale through your nose for four seconds. Hold it in for seven seconds, and then exhale for a count of eight seconds. Do this four times to refresh yourself. Drink sufficient fluids. Water, like air, delivers oxygen throughout your body. If you’re dehydrated, you’ll feel tired. Drink plenty of water or a low-calorie sports drink. Get outside. Sunshine and fresh air can have a rejuvenating effect, along with the exercise benefits of taking a short walk. Learn something new. Spend a few minutes with a book or on the Internet researching a subject that’s of interest to you. You’ll stimulate your mind and make new mental connections.
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
SUMMER HEALTH TIPS It is very important to drink water. Your body needs water to prevent dehydration during warm summer days. Take special care to make sure infants and toddlers drink enough water. They can become dehydrated much more easily than adults. Take a rest or nap. Don't push yourself beyond your physical limits. Wear Sunscreen. Sunburn is painful and unhealthy. Use a sunscreen that is right for your skin. Stay Cool. Wear light, loose-fitting clothing to help you stay cooler. If you have asthma or other respiratory problems, keep a careful watch on the daily air quality reports. Also, don't forget to take your inhaler or other medication with you when you go out.
John and Carol are Independent – And at Home My client Jason called because he was worried about his parents, John and Carol, and wanted my advice. John and Carol were retired, in their mid-70s, and owned their home free and clear. They were both experiencing some health problems, but they were determined to remain independent and in their own home, rather than moving to an assisted living situation. John and Carol needed daily, though not livein, help, but on their fixed income would have a problem paying for it. Jason asked if taking equity out of their home was a solution, and it certainly was one to consider. I suggested that John and Carol might also consider a reverse mortgage – a mortgage against the equity in their home that isn’t repaid as long as one of them continues to live there. While a reverse mortgage isn’t right for everyone, this option could allow them to stay in their home and spend down their equity, giving them cash for daily help and other expenses. We met to discuss their options, and now John and Carol’s reverse mortgage is providing an additional $1,500 a month in tax-free cash so they can stay independent – and in their home. P.S. Who’s the next person you know who may not be aware of all their financial options? Be sure to give me a call to discuss how we can let them know about my services.
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.
Yes, You’re A Multilinguist! You speak other languages though you may not realize it. Check out these foreign terms that are quite common to us: •
ad hoc (Latin): impromptu, spur-of-the-moment.
aficionado (Spanish): a fan or enthusiast.
alma mater (Latin): literally, “nourishing mother,” applied by students to former schools.
angst (German): dread and anxiety.
carte blanche (French): unrestricted authority or freedom.
et cetera (Latin): “and the rest.”
mea culpa (Latin): literally, “I am to blame,” an expression of responsibility or guilt.
pro bono (Latin): without charge; free service.
quid pro quo (Latin): an equal exchange of one good or service for another.
verboten (German): forbidden, prohibited.
versus (Latin): against.
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 © 2011 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.
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: _________
May 2011 Edition