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winter edition • 10 Winter Getaways • Winter Market Update • Delicious Recipe • Winterizing on a Budget • Update your Playlist • Ultimate Brain Teaser • New Year, New You • New Tech! • More!

10 Must-Visit Winter Getaways 1. Methow Valley 2. Lake Tahoe 3. Joshua Tree National Park 4. Rocky Mountain National Park 5. Taos 6. Upper Peninsula 7. Snowshoe 8. Kiawah Island 9. Sanibel Island 10. Waterville Valley

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This will be a random fact related to the article above. Oh yeah, snazzy.

Hot Spiced Cider Recipe • • • • • •

2 oz whiskey or apple brandy 1 tsp sugar Hot apple cider Lemon/Orange wedge for garnish Cinnamon stick for garnish 2-3 whole cloves for garnish

Preparation: 1. Coat the bottom of an Irish coffee glass with honey. 2. Add the whiskey or apple brandy. 3. Fill with hot apple cider. 4. Stir well. 5. Garnish with the lemon, cinnamon stick, and cloves.



Next to spring, fall is the busiest real estate time of the year. Although you can buy and sell houses at any time, the fall real estate market offers certain benefits to home buyers, including year-end tax breaks, pleasant weather conditions for moving, wider selection of houses, and more. If you are shopping for a home during the fall and don’t want to miss out on a great deal, it’s a good idea to explore the possibility of pre-qualifying for a loan, and to know what type of house you are looking for and what you can realistically afford to buy.

Winterizing Tips for Your Home

- on a budget!

Clean Your Gutters Making sure that water can flow freely through your gutters now will help prevent icicles and ice dams from forming later. FREE! Flush the Water Heater Flush the water through the drain valve to clear out the material and keep your heater functioning at its best. FREE! Clockwise Ceiling Fans Have your ceiling fans move in a clockwise direction so they push hot air along the ceiling towards the floor. FREE!

Replace Filters can significantly improve its efficiency and longevity. $10 Window Insulation Film It can keep up to 70% of your heat from leaking out of windows. $20 Draft Guards Help save heat from escaping under the door. $10 Weatherstrip Tape make sure your windows and doors are sealed tight with weatherstripping. $5 per/roll

New Year. New You! 1. Lose weight

Use a food journal to keep track of what you eat and have a support system in place.

2. Stay in touch

Research suggests people with strong social ties live longer than those who don’t.

3. Save money

But if stress is chronic, it can increase your risk of—or worsen—insomnia, depression, obesity, heart disease, and more.

• Counting Stars OneRepublic

• People Like Us (Johnny Labs and Adieux Club Mix) Kelly Clarkson

• Gone, Gone, Gone Phillip Phillips

• Take Back the Night Justin Timberlake

revamp your career, introduce you to new friends, and even boost your brainpower.

8. Travel

Traveling allows us to tap into life as an adventure, and we can make changes in our lives without having to do anything too bold or dramatic.

Loa you d up rm pla p3 yer !

• Ooh La La Britney Spears

• Wake Me Up Avicii

6. Go back to school

sleep is crucial for strengthening memories (a process called consolidation) and can do wonders for your mood—and appearance.

4. Cut your stress

• Roar Katy Perry

We tend to think our own bliss relies on bettering ourselves, but our happiness also increases when we help others.

7. Get more sleep

Save money by making healthy lifestyle changes. Walk or ride your bike to work, or explore carpooling

Whistle while you work it!

5. Volunteer

• Best Song Ever One Direction • Clarity (Style of Eye Remix) Zedd & Foxes • Safe and Sound Capital Citie

New Year, New Tech Take control of your workout with heart rate monitors and GPS watches that can track your workouts and upload them online.

Call me for a quick mortgage checkup!

See if the time is right for you to refinance. If you know of anyone who is thinking of refinancing or buying a new home, please ask them to give me a call – I would love to help!


WINTER CONTEST Here’s a brain teaser to challenge your puzzle solving skills. The winner will receive a Visa gift card and will be drawn on August 7, 2013. A family was vacationing at a lake. The family members were a sister, a brother, a mom, a dad, and a grandpa. The family each rented something to keep them busy during the trip. However though, everyone forgot what they each rented. Here’s the question: Can you help them figure out what they each rented using these clues? The vehicles were: a green bicycle, a red tandem, a blue motorbike, a red rowboat, and a yellow skateboard. 1. Dad wanted to do something by himself. 2. The rowboat can seat either two children, or one adult. 3. Sister rented something red. 4. Brother wanted to have his hands free. 5. Children are not allowed in the water unless an adult is with them. 6. Grandpa is tired, and won’t do anything that

What’s Hot in New Home Trends for 2014? SCALED DOWN Building trends are showing scaled down, smaller homes. As a result of these smaller-scaled homes people are making much more efficient use of their space. Large home offices are no longer sought after. Pocket offices are one of the top trends in home design, according to the National Association of Home Builders. The rising popularity of several generations living together under one roof may have helped to fuel the trend. Unused spare bedrooms were turned into home offices. These home offices are being converted back into bedrooms to accommodate grown children that are returning to the nest, or elderly parents needing to be looked after.

PERL Mortgage is an Illinois residential mortgage licensee (MB0004358) and equal housing lender. Licensed by Department of Corporations under the California Residential Mortgage Lending Act. NMLS #19186 - Arkansas - Company license # :0904956 - Arizona License - Perl Mortgage, Inc. – 460 West Johnson Drive, Gilbert , AZ., 85233 Mortgage Banker License # 0904956 - California License # 4130865 - Licensed by the Department of Corporations under California Residential Mortgage Lending Act - Colorado License # 19186 - To check the license status of your mortgage loan originator, visit the Colorado Division of Real Estate Website - Connecticut License # 19728 - Florida License # MLD379 - Illinois Residential Mortgage Licensee- Office of Banks and Real Estate, Mortgage Banking Division, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, (312) 793-3000, 2936 W Belmont Ave, Chicago, IL 60618 MB0004358 - Indiana 1st Mortgage License # 10857 - Iowa License # 2011-0141 - Kansas License # MC.0025150 - Massachusetts – Mortgage Lender & Mortgage Broker License MC19186 - Michigan 1st Mortgage License # FROO17846 - Michigan 2nd Mortgage License # SR1014 - Minnesota License # MN-MO-20541807 - Nebraska License # NE 19186 - Oklahoma License # MB002260 - Tennessee License # 115329 - Virginia – Licensed by Virginia State Corporation Commission, License # MC-5428 - Wisconsin License # 21925BA

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