Tuesday, July 6, 2010

Independence Day Holiday

Edward F. W. Deanes

Home Mortgage Consultant

Wells Fargo Home Mortgage

Phone: (757) 418-2064

Fax:: (866) 935-0661

 

edward.deanes@wellsfargo.com

www.deanesgroup.com

 

In This Issue  

 

 

 

 

 

 

Independence Day

I hope you and your family enjoyed the Independence Day holiday weekend. And, I sincerely hope you have been enjoying your complimentary subscription to the MORTGAGE MARKET GUIDE WEEKLY.

Due to the July 4th holiday, the next full issue will arrive on Monday, July 12. In the meantime, check out the article below about protecting yourself and your family from the sun as you celebrate the summer.

 

 

 

 

 

 

The Mortgage Market Guide View...  

 

 

 

 

 

 

Protecting Yourself from the Sun

Walk along a beach or spend a day at the pool and it will quickly become evident that a "golden tan" is often considered an outward indicator of one's overall health or fitness. Medically speaking, though, these are very dangerous sentiments - especially when you consider the potential ramifications of unprotected exposure to the sun.

THE FACTS?

According to the CDC, exposure to ultraviolet (UV) rays is the biggest factor in developing skin cancer. And, cases of skin cancer have increased at a rate of roughly 3% every year, making it the most common type of cancer in the United States.

Malignant melanoma, the most serious form of skin cancer, is also the most common type of cancer for women between the ages of 25 and 29. Even though it is curable if caught early, when left unattended it can spread to other organs, most commonly the lungs and the liver.

THE FIX?

The very best thing you can do to protect yourself from the sun is to avoid intentional sunbathing altogether. However, for those who work in the sun, enjoy outdoor sports, or insist on obtaining a tan, there are a few things you can do to help your cause.

First, invest in a quality sunscreen. The best brands contain a UVA blocking ingredient known as avobenzone or Parsol 1789. Look for products with an SPF of at least 15 for the body, and 30 for the face. The bottom line is the more SPF the better, especially for fairer-skinned people. Apply sunscreen 20-30 minutes before any activity in the sun - allowing time for absorption - and reapply it every two hours or more frequently if you are swimming or partaking in strenuous activities.

Make sure you wear sunglasses with UV protection, since the rays have been linked to everything from cataracts to skin cancer of the eyelids. Hats and protective summer-weight clothing are also a must. For headwear, a wide-brimmed hat works much better than a baseball hat.

Also, make sure you take breaks (especially during mid-day) out of the sun. Seeking refuge in the shade for 5 to 10 minutes every hour helps maintain skin temperature.

Finally, do NOT bring an infant into the sun. Infants under six months are NOT supposed to wear sunscreen at all, which means they are even more susceptible to sun damage.

FINAL THOUGHTS ON SKIN?

It is believed that roughly 80% of skin change associated with aging is actually due to sun exposure. To help protect your skin, practice the tips above. In addition, perform regular self-checks for abnormal moles and freckles ? and see a doctor at least once a year so he or she can do the same.

For more information, visit www.skincancer.org or www.cdc.gov/cancer/skin.


Economic Calendar for the Week of July 05 - July 09

Date

ET

Economic Report

For

Estimate

Actual

Prior

Impact

Tue. July 06

10:00

ISM Services Index

Jun

55.5

 

55.4

Moderate

Wed. July 07

10:30

Crude Inventories

7/3

NA

 

-1.90M

Moderate

Thu. July 08

08:30

Jobless Claims (Initial)

7/3

NA

 

472K

Moderate

 

 

 

 

 

 

 

 

[mmgwDisclosure]

 

The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is not without errors.

 

As your trusted advisor, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.

 

Mortgage Market Guide, LLC is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated.   Mortgage Market Guide, LLC does not grant to you a license to any content, features or materials in this email.   You may not distribute, download, or save a copy of any of the content or screens except as otherwise provided in our Terms and Conditions of Membership, for any purpose.

 

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My goal is to provide you with premium service. When you need an answer, we are here to help. I spend 90% of my time finding mortgages to fit my client's needs, qualifying buyers and contacting my clients for potential savings. My competent and professional staff handles all the dayto- day tasks. During regular business hours, please call my team, if they don't know the answer- they will find it! I am a licensed Loan Officer who has been in the mortgage industry for over 9 years. I am also a Certified Mortgage Planner which unlike a traditional loan officer; a mortgage planners role is to help you integrate the loan you select into your overall long and short-term financial and investment plans, to minimize taxes and interest expense and improve cash flow. I have a Real Estate License; not to practice real estate, but so I can better understand the market and look out for my client’s best interests. I am also a homeowner and real estate investor.
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