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September E- Newsletter

Untitled Document

  The Monthly Bulletin
September 2008
 
Presented by:
Luke Landis
Senior Mortgage Banker
Office 515-267-9992
E-mail: luke@hmg1.com
Website: www.iowamortgageman.com
8824 Swanson Blvd. Ste H. - Des Moines, IA 50325
Heartland Mortgage Group
  5 Easy Ways to Cut Household Expenses
When financial times get tough, some of the simplest ways to save money are right inside your home. Consider these budget-conscious tips, and see where you can cut costs. Every small adjustment adds up.
1)
Lower the temperature on your hot water heater to 120 degrees. It’s not necessary to have it any hotter and lowering it by just 10 degrees saves 25 kilowatts a month.
2)
Set thermostats no higher than 68 degrees in winter and no lower than 78 degrees in summer. Each extra degree in winter can increase heating costs by 3%. In summer, each degree can raise cooling costs by 6%.
3)
Use your microwave instead of your oven whenever possible and save up to 50% in energy costs for cooking.
4)
Always do full loads of laundry. A typical full load uses about 21 gallons of water. A small load uses 14 gallons. Several small loads use considerably more water than one or two large loads.
5)
Fix running toilets or leaking faucets promptly. A continuously running toilet can use more than 8,000 gallons of water a year.
“I was always told that I was too small, too skinny, too slow, not tough enough, and I never ever believed what people told me.”
– Joe Theismann, NFL Great / Born: September 9, 1949
“The secret of getting ahead is getting started.”
Agatha Christie, Novelist / Born: September 15, 1890
“To feel valued, to know, even if only once in a while, that you can do a job well is an absolutely marvelous feeling.”
Barbara Walters, Journalist & Writer / Born: September 25, 1931
Your endorsement is the best compliment you can give.
Providing a valuable and trusted mortgage service is top priority. If you feel you’ve received a high level of service, it would be greatly appreciated if you share your experience with friends, co-workers, relatives or anyone else who may need a mortgage.
Furthermore, if you ever have any mortgage questions, always feel free to call.
Thank you. Your business is appreciated.
  This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. A Division of West Star Mortgage, Inc. Licensed Mortgage Banker in the State of Iowa. License # MBK-2007-0150.

As a Des Moines Mortgage lender, I am truly passionate about my profession, and the result is that nearly 100% of my business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in Des Moines, and throughout Iowa. My mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, my dedicated team stands ready to assist each and every step of the way. I understand that it's not just a house, it's your home. Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment. I can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future. You only think about home financing a few times during your life ~ I think about it every single day. It's your home and your future. It's my profession and my passion. I'm ready to work for your best interest.
Posted Thursday Sep 04