• Welcome to Spring

    Wishing you a happy and bright
    springtime season!
    Reach out to us anytime about ways to make your finances
    bloom.

     

    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com






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    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 2 weeks ago
  • Happy St. Patrick’s Day

    …to have clients like you.
    Happy St. Patrick’s Day to you and your family!

    Please call or email us anytime if we can answer any questions
    for you.

     

    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com






    You received this email as a result of your ongoing
    business relationship with Todd Rogers. While beneficial to a wide
    audience, this information is also commercial in nature and it may
    contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 1 month ago
  • Quick Tips - Uncommon Help for the Common Cold

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    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com





    Uncommon Help for the Common Cold

    Catching a cold may not seem like a big deal. Except, colds further
    weaken compromised immune systems, making you susceptible to longer
    illness, or other diseases.

    The most common cause of weakened
    immunity is nutritional deficiency, not exposure to someone
    with a cold. Yet diet alone often can’t provide necessary nutrients
    for cold defense. Choose a natural daily multi-vitamin for an extra
    boost.

    Processed sugar dramatically weakens the
    immune system. Within just 30 minutes of eating sugar,
    your immunity remains depressed for more than five hours afterward.
    For improved immunity eat no more than 15 to 20 grams of sugar in any
    three-hour period, preferably less.

    Echinacea is effective for both treatment and
    prevention, and is the subject of over 900 scientific
    studies on human immunity. Echinacea can help reduce catching a full
    blown cold by 60 percent, and the sooner you take it, the better it
    works. There are many ways to consume echinacea, from supplements to
    teas to tinctures.

    If you’ve already got a cold try
    making ginger root tea. Pour 4 cups of water into a pan and add
    eight quarter-sized slices of ginger root. When it boils turn down the
    heat to simmer for 20 minutes and strain. Add honey or lemon and drink
    the tea throughout the day. Clear sinuses by adding 1/8 to 1/4
    teaspoon of cayenne pepper to the mixture.

    Sources: BottomLine, Harvard Medical School


    © 2014 Vantage Production, LLC. All
    rights reserved.

    You received this email as a result of
    your ongoing business relationship with Todd Rogers. While beneficial
    to a wide audience, this information is also commercial in nature and
    it may contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 1 month ago
  • Homes & Money Newsletter - 1st Quarter 2014

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    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com












    Mortgage News
    Housing
    Stays Strong into New Year


    Home loan
    applications increased in early January, as a weaker-than-expected
    December employment report sent interest rates lower. Home loan rates
    had been on the rise up until the report, and just as the Fed
    announced its decision to “taper” its Bond-buying stimulus
    efforts.

    Both purchase, as well as refinance loan application volume increased
    by 12 and 11 percent, respectively, on a seasonally adjusted basis,
    according to the Mortgage Bankers Association. “The drop in rates
    was (also) large enough to trigger a pickup in refinance volume,”
    said Michael Fratantoni, the MBA’s chief economist.

    The rise in purchase applications could be a signal of a strong home
    buying season this spring. Many in the real estate industry were
    concerned that new mortgage rules in effect mid-January would knock
    some potential borrowers out of the market. In reality the impact may
    be insignificant, considering that 95 percent of mortgages originated
    last year would still qualify under the new rules, according to the
    Consumer Financial Protection Bureau.

    "Rising home prices, historically low mortgage rates, and
    significant pent-up demand will drive a continuing, gradual recovery
    in the year ahead,” said the National Association of Home
    Builders Chief Economist David Crowe.

    Confidence among U.S. home builders stuck in January after a bigger
    jump in December, according to the NAHB’s monthly home builder
    sentiment index. The index came in at 56—and with 50 being the
    difference between positive and negative, it showed that builders are
    still optimistic about housing market conditions.

    For existing homes in the market, the National Association of Realtors
    reported that sales of previously owned homes climbed 1 percent in
    December, following a 4.3 percent drop in November.

    The demand for housing and its available supply will continue to
    influence the nation’s economic health. Stay tuned for the next
    Homes & Money in May for another quarterly update.



     









    Finance News
    The
    Problems with Paperless Tickets
    They’re
    inconvenient and tough to resell.
    By Kaitlin Pitsker, Kiplinger.com



    In the ongoing
    battle to thwart ticket scalpers, promoters are turning to paperless
    tickets for some events. Use of the tickets is expected to grow, but
    complaints are mounting about cumbersome restrictions that can come
    with them.

    Here’s how they work: To enter a venue with a paperless ticket (which
    differs from a traditional electronic ticket in that you can’t print
    it out or show it on your phone), an event goer must swipe the credit
    card used to buy the ticket and show photo identification. Because
    tickets are linked to the cards used to buy them, people giving these
    tickets as a gift may need to escort the recipients to the gate.
    Groups purchasing a block of tickets in one transaction may need to
    wait outside until everyone arrives.

    Fans who want to resell tickets are likely to face additional
    limitations. Resale may be allowed only through the ticket company’s
    website—or may not be permitted at all. There may also be
    restrictions on how much or how little you can charge.

    For now, paperless tickets make up only about 1 percent of ticket
    sales. But as event promoters and ticket distributors profit from
    control of the resale market, the use of restricted tickets will
    likely grow, says James D. Hurwitz, a research fellow with the
    American Antitrust Institute. Before that happens, several states,
    including New Jersey and Massachusetts, are considering legislation
    to restrict or ban paperless tickets, and New York requires that
    customers be given the option of buying paper or e-tickets.

    Check the fine print when purchasing paperless tickets. Some
    promoters use restrictive tickets for every seat, while others use
    them for only a section of preferred seats. You may be able to
    purchase a traditional paper or e-ticket by choosing a seat
    elsewhere.

    Reprinted with permission. All Contents ©2014 The Kiplinger
    Washington Editors. Kiplinger.com.


     











    Creative
    Cuisine
    Pizza, Quick and Easy





    It’s pizza without the mess, expense, or fattening preservatives. You
    can make it vegetarian style, gooey cheese, meat lover or the works,
    in about the same time as delivery!


    Ingredients

    1 cup finely chopped onion
    1/2 cup finely chopped green bell pepper
    3 cloves garlic, mince 2, reserve 1
    1/2 teaspoon dried oregano
    Salt and freshly ground black pepper
    1 tablespoon tomato paste
    28-ounce can crushed tomatoes
    1/2 cup pitted black olives, chopped or sliced
    1/8 cup grated fresh Parmesan
    6 ounces diced fresh mozzarella
    1 baguette, ends trimmed, sliced diagonally
    2 tablespoons olive oil


    Directions
    For the sauce, heat oil in a medium ovenproof skillet over medium
    heat. Add the onions and bell pepper, cook until onions are almost
    translucent, about 5 minutes. Then add minced garlic, oregano, a
    pinch of salt and some pepper, 2 minutes. Add the tomato paste and
    stir to coat vegetables, 1 minute. Add crushed tomatoes, simmer 15
    minutes on low, stirring occasionally until thickened. Remove from
    heat, add olives and Parmesan. Season with salt and pepper to taste.


    Preheat oven to 425 degrees. Toss the baguette slices with olive oil,
    lay them on a baking sheet. Bake 7 to 9 minutes until golden. Rub
    toast with a whole garlic clove and set aside to cool.

    Preheat broiler. Add mozzarella, fresh onions, and meats on top of the
    sauce mixture. Broil until cheese has melted and browned, 2 minutes.
    Spoon the sauce mixture on top of the baguette slices and you have
    Pizza, Quick and Easy!
















    Tech
    These 4
    Apps Save You Money as You Drive


    With
    the four apps we’ve listed below, driving can be a big money saver no
    matter where you’re headed!

    Automatic -
    What can a $100 driving app do for you? Plenty! Automatic has some
    amazing features including: monitoring driving habits, suggesting gas
    saving changes, vehicle location, engine-system monitoring and
    reporting, mileage reporting, and crash assistance. There are no
    subscription fees once purchased and the app can be shared with
    multiple drivers of thesame vehicle.

    Trapster -
    One way to save money while you drive is avoiding traffic tickets!
    Trapster is a free app that lets you participate in a community of
    local speed-trap reporters, so you can drive just a little more
    carefully around that next bend. But that’s not all: Trapster also
    alerts you to road hazards and traffic conditions.

    Lyft - In need
    of a ride? Want to save gas? Want your commute to be more
    environmentally friendly? Try Lyft, a new ride-sharing app that helps
    you find and schedule rides with other people already going your way.
    You can stay a passenger or, after passing a criminal background and
    safety check, become a driver yourself.

    Waze -
    According to the developer, Waze is the world’s largest
    community-based traffic and navigation app. Waze introduces you to a
    network of other drivers in your area who share real-time traffic and
    road info, helping to save everyone both time and money on their daily
    commute.



     










    Pet Smarts
    8 Things
    to Know Before
    Buying or Adopting a Pet



    Pets are
    great fun, and can teach you a lot about life. But they also need
    care and attention, just like people do. Here are eight things you’ll
    want to know before you buy or adopt a pet:

    1. Do you have the time and energy? If you’re at work all day
    and the house is empty, perhaps a virtual pet
    is more your speed.

    2. If you’re busy but still really want a dog,
    then consider hiring a walker and make sure to choose a dog breed that
    isn’t needy. Check PetMD’s Breedopedia to find one that fits your
    lifestyle.

    3. Consider your space: A Great Dane in a one-bedroom
    apartment is a recipe for boredom, behavior problems, and even health
    issues. But it’s a fine space to keep a bird.

    4. The climate factor: Research animals or breeds suitable for
    your local geography, especially for outdoor animals.

    5. To pee or not to pee: Training a young pet for your hamlet
    may not be
    your thing. In that case, consider adopting an older one who is
    already housebroken.

    6. Chew proof: Make sure your nice things are well out of
    reach, and train only with chew-toys. Also keep chemicals and
    medicines out of investigative range.

    7. Unless you’re a breeder: Make sure your pets are spayed or
    neutered, take them in to the vet for regular checkups, and keep them
    up-to-date on vaccinations. Pets can and do catch things in the
    darnedest places.

    8. Consider pet health insurance: It’s inexpensive and can be a
    life-saver. Consult your vet for options.

    Source: PetMD.com



     









    Facts and
    Figures
    That’s
    Nuts!


    March is National
    Peanut Month. Here are a few nutty things you may not know about this
    popular food:

    Peanuts are the top nut consumed in the U.S. and account for
    two-thirds of the snack nut market.


    Americans spend almost $800 million a year on peanut butter.


    The average peanut farm is 100 acres. Just one acre yields enough
    peanuts to make 30,000 peanut butter sandwiches.


    The average child will eat 1,500 peanut butter and jelly
    sandwiches before he or she graduates high school.


    Peanuts have more protein, niacin, folate and phytosterols than
    any other nut, and have no cholesterol.


    The nickname Goober comes from the Congolese word
    “nguba,” meaning peanut.


    Two peanut farmers have been elected president of the USA: Thomas
    Jefferson and Jimmy Carter.


    Grand Saline, TX holds the title for the world’s largest peanut
    butter and jelly sandwich, weighing in at 1,342 pounds.


    On April 3, 1973, Chris Ambrose, of Clerkenwell, London, set a
    world record, eating 100 peanuts, peanut-by-peanut, in 59.2
    seconds.


    Women and children tend to prefer creamy peanut butter, while men
    opt for chunky style.

    Source: National Peanut Board








    Table of
    Contents





    · Mortgage News
    · Finance News
    · Creative
    Cuisine
    · Tech
    · Pet Smarts
    · Facts and Figures
    · Did You Know?
    · Quote of the Day
    · Trivia Challenge
    · Book Review








    Did You Know?













    In ancient China, Emperors hid
    Pekingese dogs in their long sleeves as a last defense in case of
    attack. Find out more
    about selecting pets in this issue of Homes & Money!












    Trivia Challenge


    It’s Awards
    season! Match the actors and actresses
    to the 2014 Oscar-Nominated Best Picture films in
    which they star:


    Actors/Actresses




    1.
     Barkhad Abdi


    2.
     Chris Pratt


    3.
     Sandra Bullock


    4.
     Bryan Batt


    5.
     Leonardo DiCaprio


    6.
     Tom Hanks


    7.
     Steve Coogan


    8.
     Chiwetel Ejiofor


    9.
     George Clooney


    10.
     Jennifer Garner


    11.
     Christian Bale


    12.
     Jonah Hill


    13.
     Jennifer Lawrence


    14.
     Joaquin Phoenix


    15.
     Judi Dench


    16.
     Matthew  McConaughey




     


    Films




     A.
     ”12 Years a Slave”


     B.
     ”American Hustle”


     C.
     ”Captain Phillips”


     D.
     ”Dallas Buyers Club”


     E.
     ”Gravity”


     F.
     ”Her”


     G.
     ”Philomena”


     H.
     ”The Wolf of
    Wall  Street”






    Scroll down to the bottom for
    answers





    Quote of the Day





    “If you can’t solve a problem,
    it’s because
    you’re playing by the rules.”


    – Paul Arden





    Book
    Review


    Your Life Calling:Reimagining the Rest of
    Your LifeBy Jane Pauley





    In 2014 every baby boomer will have turned 50, while
    simultaneously becoming the longest-living and healthiest generation
    in history… and they are sure to leave yet another indelible imprint
    on our society.

    One of America’s most respected broadcast journalists, Jane Pauley,
    offers her personal insight on the situation, and shares ways that
    Boomers—or anyone attempting to create their own “Act
    Two”—can do it even better and more enjoyably than the
    first time around. Pauley provides examples from real people, like
    Betsy McCarthy, who swapped her executive briefcase for knitting
    needles, Gid Pool, who became a stand-up comedian, or Trudy Lundgren,
    who is roaming the country out of her RV.

    Pauley’s wit and storytelling charm come shining through in this
    interesting and exciting book, great for anyone who may be asking,
    “What next?” Find it today on Amazon Best Sellers.






    Thank
    You













    As always, we wish to thank our
    clients who have been kind enough to refer business to us. We
    appreciate the opportunity to provide excellent service to your
    family, friends, and co–workers.








    Trivia
    Answers











    1-C, 2-F, 3-E, 4-A, 5-H, 6-C, 7-G, 8-A, 9-E, 10-D, 11-B, 12-H,
    13-B, 14-F, 15-G, 16-D







    © 2014 Vantage Production, LLC. All rights
    reserved.
    You received this email as a result of
    your ongoing business relationship with Todd Rogers. While beneficial
    to a wide audience, this information is also commercial in nature and
    it may contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    Nuture

    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 2 months ago
  • Happy Valentine’s Day


    …of our business. Happy Valentine’s
    Day.
    Call or email us anytime if we can answer any
    questions for you.


     

    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com






    You received this email as a result of your ongoing
    business relationship with Todd Rogers. While beneficial to a wide
    audience, this information is also commercial in nature and it may
    contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

    Powered by DB
    Nuture

    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 2 months ago
  • Quick Tips - Debit, Credit, or PayPal… Which is Safest?

    Follow Me
    On:      















    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com





    Debit, Credit, or PayPal… Which is Safest?

    Mammoth retailer Target recently revised its estimate of stolen credit
    card data to
    over 70 million cards. This was an astounding breach and a reminder to
    be aware of any identity theft and bank account safety at all times.
    Here are a few
    tips on the best ways to use payment conveniences and still protect
    your money:

    Debit Cards: While they are
    convenient and can be used without additional fees (except for
    getting cash from certain ATM machines) debit cards are still not
    without risk. If a thief gets hold of your data, your entire bank
    balance is placed in jeopardy. Even if your account is covered for
    fraud, you can still be short of cash during the bank investigation.
    It’s best to use your debit card only for getting cash,
    and only directly from your bank’s ATM machine. Most security pros
    advise not using debit cards for online purchases.

    Credit Cards: If you pay your
    balance monthly and keep from borrowing more than your budget, credit
    cards are great for purchases both online and off. All credit cards
    cover fraudulent activity and since they aren’t connected to your bank
    account, you won’t be without cash should a thief get a hold of your
    card data.

    PayPal: Popularly used for online
    purchases, PayPal offers a way to access your debit card or bank
    account without the risk of getting cleaned out due to fraud, by
    creating a buffer between the web and your bank account. There are no
    fees or interest when using PayPal to purchase items, and the account
    can be connected to
    debit, credit, or electronic funds transfer directly from your bank
    account.

    Whichever method you choose… the
    very best way to protect yourself from fraud and identity theft is to
    check your account transactions carefully at least once a month (once
    a week is better). Notify your bank if you see anything suspicious.

    Sources: PayPal, CNN


    © 2014 Vantage Production, LLC. All
    rights reserved.

    You received this email as a result of
    your ongoing business relationship with Todd Rogers. While beneficial
    to a wide audience, this information is also commercial in nature and
    it may contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    Nuture

    © 2014 Mortgage Success Source, LLC. All rights reserved.

  • 2 months ago
  • Happy New Year


    We hope that you and your family have your best year yet!

    As we head into a new year, let us know if we can answer any questions
    for you.

     

    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com






    You received this email as a result of your ongoing
    business relationship with Todd Rogers. While beneficial to a wide
    audience, this information is also commercial in nature and it may
    contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    Nuture

    © 2013 Mortgage Success Source, LLC. All rights reserved.

  • 3 months ago
  • Quick Tips - 3 Apps That Add Rocket Fuel to Resolutions

    Follow Me
    On:      















    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com





    3 Apps That Add Rocket Fuel to Resolutions

    Self-experimentalist and author of the 4-Hour self-help book series, Tim Ferriss,
    says the reason
    people don’t stick to New Year’s Resolutions past the first week in
    January: There’s no penalty for not following through. He also says
    resolutions are “a lot like keeping up with the Joneses… We’re
    bombarded
    with images of people who are slimmer and wealthier than us, so we
    tend
    to be dissatisfied faster.”

    On one hand, he figures, if you’re ready to quit smoking—why
    wait? And
    if you’d like healthy eating to be part of your everyday
    life—what’s so
    magical about starting January 1st?

    So, whether you’re a dodgy decider or a resolved
    non-resolutionist, you
    may still want to change something. Here’s a little tech to help:

    Beeminder: Web, iPhone, and Android capable,
    this program allows you to
    create and track up to seven goals for free, but if you veer off
    course
    you can either abandon the goal, or have Beeminder charge
    you—real
    money—the next time you fail. How’s that for incentive?
    According to Tim
    Ferriss, one of the best ways to motivate yourself is to create a
    financial penalty for follow-through failures—he suggests
    promising to donate to a charity with which you positively disagree.

    Lifetick:
    This app offers a variety of features and is quite
    inexpensive—there’s even a free version. Lifetick starts with a
    unique
    approach—your core values—and works its way out to goal
    setting,
    tracking life dreams, and even the ability to share goals with
    friends.
    This very well rounded system for goal setters gets you on the path
    to
    success and is available on the web, iPhone, and Android.

    Lifegame: Creative and fun, it’s more of an
    interactive game than goal
    tracking software. It all begins with planting a tree representing
    your
    life, which grows leaves signifying all-important aspects of your
    life;
    you then decide what actions you might take to nurture the tree based
    on
    the limited resources you have, like time. But the real fun begins
    when
    you take your plan out into the real world!


    © 2013 Vantage Production, LLC.
    All rights reserved.

    You received this email as a result of
    your ongoing business relationship with Todd Rogers. While beneficial
    to a wide audience, this information is also commercial in nature and
    it may contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    Nuture

    © 2013 Mortgage Success Source, LLC. All rights reserved.

  • 4 months ago
  • Happy Holidays

    Wishing you and your family a joyous
    holiday season.

    We are grateful that you have helped make our year
    special.

     

    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com







    You received this email as a result of your ongoing
    business relationship with Todd Rogers. While beneficial to a wide
    audience, this information is also commercial in nature and it may
    contain advertising materials.

    UNSUBSCRIBE: If you would like to stop receiving emails from Todd
    Rogers, you can easily unsubscribe.

    Todd Rogers
    Sun American Mortgage
    4140 East Baseline Road Ste:206
    Mesa, AZ 85206

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    Nuture

    © 2013 Mortgage Success Source, LLC. All rights reserved.

  • 4 months ago
  • Quick Tips - Natural Remedies That Work, Part 3

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    Todd Rogers
    Loan Officer
    Sun American Mortgage
    Phone: (480) 467-1036
    Fax 4809246761
    NMLS : 87006
    todd.rogers@sunamerican.com





    Natural
    Remedies That Work, Part 3
    Onion Breath, Garlic Hands, Canker Sores


    Find
    love, even if you love onions: Red or yellow, green or
    white, you love onions day and night. But even the tiniest addition of
    onion in your salad or sandwich at lunchtime can stick with you,
    making conversation uncomfortable. So stare down your next
    face-to-face encounter with confidence using a little baking soda and
    water mouthwash. Mix about a half teaspoon of baking soda in a cup of
    water and then just swig, rinse, and spit until it’s all gone. Your
    breath, and maybe even your love life, will be much improved.

    Take a stand on garlic
    hands: If you love to cook, your hands can end up smelling
    like a farm delivery truck. This trick works equally well for hands
    smelling of both garlic and onions. Take a metal piece of flatware,
    such as a spoon, and rub it over your hands underwater as if it were a
    bar of soap;
    this will eliminate the odors–and will do so without any soapy
    residue to potentially spoil the
    flavor of your gourmet dish.

    Hanker for a canker cure?
    Aphthous stomatitis, also known as a canker sore, is a
    scientific mystery–it’s non-contagious, non-infectious, and
    really annoying. But you can reduce irritation and shorten the
    pain-cycle with a blob of blackstrap molasses. Leave half a teaspoon
    on the affected area for 15 minutes, then spit and rinse the area with
    water thoroughly to avoid cavities–molasses contains sugar, but
    other nutrients promote a happy and healthy
    mouth.


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    Sun American Mortgage
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    Mesa, AZ 85206

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  • 4 months ago
    Married for 28 years, father of 4, grandfather of 3 with 1 more on the way. As CEO of E3 Imagine I get to travel the world meeting families and children from all cultures. I have the best job in the world!