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Mark Meader Senior Loan Officer Perl Mortgage 4505 White Bear Parkway White Bear Lake, MN 55110 651-653-7667
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651-653-7667 Mark Meader
News To Help You Save Time And Money
Nov 2016
NMLS #47763
It’s Your Choice
“Because you have a lot riding on your Lender”
Jerry was the kind of guy who was always in a good mood and always had something positive to say. When someone would ask him how he was doing, he would reply, “If I were any better, I would be twins!” As a restaurant manager he told his waiters, "You have two choices today. You can choose to be in a good mood or you can choose to be in a bad mood. I choose to be in a good mood.” One day Jerry did something you are never supposed to do in the restaurant business: He left the back door open. He was held up at gunpoint by armed robbers, and while trying to open the safe, his hand slipped. The robbers panicked and shot him multiple times. Luckily, Jerry was found and rushed to the local trauma center. After 18 hours of surgery and weeks of care, Jerry was released from the hospital. Later someone asked if he had been scared. Jerry said, “The paramedics were great. They kept telling me I was going to be fine. But when they wheeled me into the emergency room, and I saw the expressions on the faces of the doctors and nurses, I got really scared. In their eyes, I read, ‘He’s a dead man.’ I needed to take action.”
Personal Column This summer it was fun to have my daughter Mandy home from college. Her college is in California so the summer is an important time for this father.
“What could you do?” the friend asked. “There was a nurse shouting questions at me,” said Jerry. “She asked if I was allergic to anything. ‘Yes,’ I replied faintly. The doctors and nurses stopped working as they waited for my reply.
Mandy has always been an incredible artist. This summer she got a job at Valley Fair doing character drawings. She had a lot of fun doing that job and the skills she learned will be with her if she chooses to do that part-time in California.
‘Bullets!’ I said. Over their laughter, I told them, ‘I am choosing to live. Operate on me as if I am alive, not dead.'”
My son Michael, 16, got a job at Raising Canes fast food restaurant. I had never heard of this place before he got the job. I guess there are 3 of these restaurants in Minnesota and many all across the country. He likes the job and it makes him move fast. (Not that video games don’t make him move fast they just don’t pay him.)
~ Adapted from a story by Francie BaltazarSchwartz
Check out our website www.MarkMeader.com
INSIDE THIS ISSUE
♦ Answers By Kids ♦ Thoughts ♦ Refinance Mania ♦ Brit Astronaut Marathon In Space A priest went to a travel agency ♦ Bizarre News to book his vacation. The office was very crowded, and he had to ♦ Paraprosdokians wait a long time to see an agent. ♦ Why Do We Call It Fall? The young woman who finally ♦ Don’t Let Your Name Ruin Your Credit helped him apologized. “It seems ♦ Clean Dryer Vents To Avoid House Fires like everyone waits for the last minute to plan a trip they know ♦ Comedy Column they’re going to take.” ♦ Personal Column The priest chuckled. “It’s the same in my line of work.”
Last Minute Planning
All in all I am pleased that my kids are experiencing the lesson of hard work. They need to know the value of a dollar and that it does not grow on trees or grow in their dad’s pocket.
Mandy’s Tim the toolman Character
Answers By Kids 1. HOW DO YOU DECIDE WHOM TO MARRY? You got to find somebody who likes the same stuff. Like, if you like sports, she should like it that you like sports, and she should keep the chips and dip coming. -- Alan, age 10
Thoughts 1. Nothing is worse than that moment during an argument when you realize you're wrong.
No person really decides before they grow up who they're going to marry. God decides it all way before, and you get to find out later who you're stuck with. -- Kristen, age 10
2. I totally take back all those times I didn't want to nap when I was younger.
2. WHAT IS THE RIGHT AGE TO GET MARRIED? Twenty-three is the best age because you know the person FOREVER by then. -- Camille, age 10
3. There is great need for a sarcasm font.
3. HOW CAN A STRANGER TELL IF TWO PEOPLE ARE MARRIED? You might have to guess, based on whether they seem to be yelling at the same kids. -- Derrick, age 8
4. How the heck are you supposed to fold a fitted sheet?
4. WHAT DO YOU THINK YOUR MOM AND DAD HAVE IN COMMON? Both don't want any more kids. -- Lori, age 8 5. WHAT DO MOST PEOPLE DO ON A DATE? Dates are for having fun, and people should use them to get to know each other. Even boys have something to say if you listen long enough. - Lynnette, age 8 (isn't she a treasure?) On the first date, they just tell each other lies and that usually gets them interested enough to go for a second date. -- Martin, age 10
5. Was learning cursive really necessary? 6. Map Quest really needs to start their directions on #5. I'm pretty sure I know how to get out of my neighborhood. 7. I can't remember the last time I wasn't at least kind of tired.
6. WHEN IS IT OKAY TO KISS SOMEONE? When they're rich. -- Pam, age 7 (Love her)
8. Bad decisions make good stories.
The law says you have to be eighteen, so I wouldn't want to mess with that. -- Curt, age 7 The rule goes like this: If you kiss someone, then you should marry them and have kids with them. It's the right thing to do. -- Howard, age 8 7. IS IT BETTER TO BE SINGLE OR MARRIED? It's better for girls to be single but not for boys. Boys need someone to clean up after them. -- Anita, age 9 (bless you child) 8. HOW WOULD THE WORLD BE DIFFERENT IF PEOPLE DIDN'T GET MARRIED? There sure would be a lot of kids to explain, wouldn't there? -- Kelvin, age 8 9. HOW WOULD YOU MAKE A MARRIAGE WORK? Tell your wife that she looks pretty, even if she looks like a dump truck.-- Ricky, age 10 Page 2
A man was trying to pull out of a parking place, and bashed the bumper of the parked car in front of him. Witnessed by a handful of pedestrians waiting for a bus, the driver got out, inspected the damage, and proceeded to write a note to leave on the windshield of the car he had hit. The note read: "Hello. I have just hit your car, and there are some people here watching me who think that I am writing this note to leave you my name and phone number. You should be so lucky!" My wife asked me to buy ORGANIC vegetables from the market. I went and looked around and couldn't find any. So I grabbed an old, tired looking employee and said, "These vegetables are for my wife. Have they been sprayed with any poisonous chemicals?" The produce guy looked at me and said, "No, sir, you'll have to do that yourself." "Employees at a Domino's Pizza saved a customer's life by checking on him after they didn't hear from him, because he's ordered a pizza every day for 10 years. No word on what was wrong with him, but I'm guessing it had something to do with ordering a pizza every day for 10 years." -Jimmy Fallon Curious when I found two black-and-white negatives in a drawer, I had them made into prints. I was pleasantly surprised to see that they were of a younger, slimmer me, taken on one of my first dates with my husband. When I showed him the photos, his face lit up. "Wow, look at that!" he said. "It's my old Plymouth!" "A company will make a life-size 3D printed model of yourself that you can send to your mom for $30,000. It's a great way of telling your mom I'd rather spend $30,000 than visit you in person." -Jimmy Fallon So you want a day off. Let's take a look at what you are asking for: There are 365 days per year available for work. There are 52 weeks per year in which you already have 2 days off per week, leaving 261 days available for work. Since you spend 16 hours each day away from work, you have used up 170 days, leaving only 91 days available. You spend 30 minutes each day on coffee break, which counts for 23 days each year, leaving only 68 days available. With a 1 hour lunch each day, you used up another 46 days, leaving only 22 days available for work. You normally spend 2 days per year on sick leave. This leaves you only 20 days per year available for work. We are off 5 holidays per year, so your available working time is down to 15 days. We generously give 14 days vacation per year, which leaves only 1 day available for work and I'll be darned if you are going to take that day off! A 17-year-old girl came home with five job applications. She carefully filled them out, and later asked her mother to look them over. All the answers were clear and concise and she noticed that on all five applications, under "Previous Employment", she had listed "Baby-sitting". Thinking of Making But then she read, under "Reason for Leaving" her daughter had answered, "Parents came home." a Move? "My New Year's resolution for 2016 was to join a gym. My New Year's resolution for next year is to go to that gym." -James Corden When we decided to sell our house, we nailed "FOR SALE BY OWNER" signs on two trees in our front yard. Before long, the doorbell rang. "How much do you want for the trees?" a young man asked. "A new study suggests that ancient cave art from 40,000 years ago was mostly done by women. So even back then men didn't have a say in decorating." -Jimmy Fallon
Start with the financing.
Free Credit Report Evaluation and free Pre-Approval Consultation! Give us a call and let’s crunch the numbers together. 651-653-7667 Page 7
Why Do We Call It ‘Fall’? This year, the autumnal equinox falls on September 22, 2016. This equinox occurs when the Sun appears to cross the celestial equator from north to south. (The celestial equator is the circle in the celestial sphere halfway between the celestial poles.) But why do we call it "fall?" Autumn is derived from the French, which came from the Latin autumnus, the Roman name for this season. Fall is a Germanic word that also came into use around the 16th century. As you might expect, it is thought to refer to the season's falling leaves and fruit, and to nature's decline as winter approaches.
Don’t Let Your Name Ruin Your Credit Your name can become the victim of a bad credit report, especially if it’s a common one. Take these precautions so you don’t get mixed up with another “John Smith” who’s not as scrupulous with his finances as you are: · Include your complete name on credit applications. The more complete your name, the better your chances that it won’t get mixed up with another person with a similar name. If you have it, be sure to use the Jr. or Sr. designation. · Use your name consistently. All your credit cards should have the same exact name. If one has Jane Davis, another has Jane P. Davis, and yet another J.P. Davis, mistakes can easily creep in. · Write clearly on all documents. If you’re hasty, your “J” initial can look like an “I” to a busy application processor. Correct credit errors right away. Contact creditors directly and be persistent. The last thing you want to do is argue with a collection agency over a bill that isn’t yours.
Clean Dryer Vents to Avoid House Fires Did you know there are approximately 25,000 dryer fires every year in North America, and most of them occur because lint builds up in the dryer or the exhaust duct? A lint-clogged exhaust duct can also push warm, moist air into your wall cavities and attic, encouraging mold growth and potentially starting a fire! Here are some tips for preventing lint fires. • Remember to clean the lint screen before or after drying each load of laundry. • Using a vacuum attachment, vacuum out the lint screen housing. • Carefully pull the dryer away from the wall and remove the duct that connects your dryer to the duct in your wall. Vacuum out the back of the dryer, the dryer duct, and the wall duct as much as possible, using a long vacuum attachment. Take care when reattaching the duct and pushing the dryer back into place that the duct does not detach from the wall or dryer, and that it doesn’t kink or crush. • Clean the dryer vent cover on the outside of your home by removing any blockage THIS MONTH’S QUIZ QUESTION and lint. Vacuum out the vent as far as you can using a long vacuum attachment. Question: What do you call a group of rabbits jumping around wildly Turn the dryer on when you are finished and becoming really excited? and make sure that you feel the exhaust air from the dryer exiting your home. Keep the area around the dryer clean and free All correct answers will be placed in a hat and two names will be of clutter. If you suspect the vent has built up drawn. Those names drawn will win a $30 gift card to the Olive lint that you can’t get out, remove and reGarden Restaurant. Watch for your name in the newsletter next place the vent with a new piece. month! 651-653-7667.
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LAST MONTH’S QUIZ ANSWER Unlike many national holidays, Memorial Day wasn’t established by the President of the United States and it wasn’t called Memorial Day
Question: What was it originally called? Answer: Decoration Day Congratulations to: Sharon & Mike Kruse and Mary Ann Karrick for being this months quiz question winners. They have each received a $30 gift card for Olive Garden Restaurant
Others who called or e-mailed in the correct answer included: Shelly Larson, Melissa Jaques, Ruth Goettig, Jeff Hill, Paula Herr, Eileen Ramse, Barb Johnson, Dave Pizza, Marian Neilsen, Wendi Carlson, Linda Fleischman, Brandon Block, Kathleen McKee, Sherry Olson, Trevor Tinsley, Alicia Theisen, Jon Hemstad, Dan & Sally Wenker Jenna Hartung, Evie Miller, Margo & John King, Mike McReynolds, Jo Stahlecker, Regina Miller, John Trenti, Cindy Faye, Terry Myers, Harry Behling, Jerry Ferguson, Johanna Andrea, Mark Wenger, Mike Wallace and LuAnn Stelter
Refinance Mania Refinance activity is way up this year. With interest rates hitting the lows we saw in 2003 refinancing is making sense again. Back in 2003 many folks wanted to refinance but could not because the balance of their mortgage was more than the home was worth. Now with home prices skyrocketing over the last 2 years we are helping many people refinance and usually get rid of PMI (Mortgage Insurance) at the same time. We should look at your loan as well to see if a refinance may make sense. Before you call have available the balance that you currently owe and the annual amount of your insurance policy also. Having those items handy can really help in giving you accurate numbers. If possible have handy your most recent Escrow Analyst statement on your current loan. To see if refinancing makes sense for you call me at 651-653-7667. Many I have talked to recently have been wanting to make a move to a new home but the situation has not made it possible. If you have been holding off on moving, right now may be the opportunity you have been waiting for.
Brit Astronaut Runs Marathon in Space Astronauts in the International Space Station travel thousands of miles around the Earth each day, but one man has added to that total on his own: British astronaut Tim Peake ran an actual marathon while in orbit, running 26.2 miles strapped to a treadmill as more than 37,000 runners participated in the London Marathon 250 miles below. Running in zero gravity, Peake completed his marathon in three hours, 35 minutes and 21 seconds—an impressive figure, though about 15 minutes slower than his time running an actual marathon on Earth in 1999, when he finished at 3:18:50.
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Bizarre News BLACKSBURG, VA. - A Virginia man who adopted a stretch of highway under the name Darth Vader donned the costume of the Star Wars character while cleaning up roadside trash. Darth Vader, aka Henry Wakley, was spotted Thursday wearing a version of the Sith Lord's costume with an orange reflective vest at the side of Route 460 in Blacksburg. Wakley adopted the stretch of highway last year and a sign at the side of the road states it was adopted by "Darth Vader." Wakley, who spends most of his time in New Zealand on business, said he decided to don Darth Vader's robes and pick up some trash while in town for a couple of weeks. "I like to get out here and dress up because it makes people smile driving by," Wakley told WSBS-TV. He said he had a humorous run-in with police this week when someone reported "Batman" walking along the side of the highway, but officers arrived to find Darth Vader doing his civic duty. STUART, FL - A Florida man was arrested after using his own wanted poster as his Facebook profile picture. Stuart police tweeted a screen capture of Mack Yearwoodhe's Facebook picture featuring his 'Wanted of the Week' poster after he was arrested on Aug. 30. According to the Palm Beach Post, Stuart police used the photo to identify Yearwoodhe as a suspect in a reported disturbance on Monday and was arrested on outstanding warrants. Police located Yearhwoodhe on Tuesday and a bag of marijuana fell from his pants as he was being apprehended. He was wanted for violation of probation on two counts of battery and received an additional charge of possession of cannabis under 20 grams. WAYNE, WV - A Walmart employee said a car that drove toward her in the parking lot before colliding with the building had a presumably unlicensed driver -- a dog. The witness said she was standing Friday in front of the Walmart in Wayne when she noticed a car pull out of a parking space and slowly start rolling toward her. The woman said she thought the driver might be someone she knew pulling a prank, but she got out of the way of the vehicle when she saw who was sitting in the driver's seat -- a dog. The car crashed into the store at a slow speed and came to a rest. A second dog in the passenger seat of the car somehow managed to roll down a window after the crash, the woman said. She said the owner of the car, an elderly woman, was paged to the front of the store. The owner said she had left the car running so the air conditioning would safeguard the dogs from the summer heat. A Walmart employee said damage to the car and building was minimal. The dogs were not injured. JOINVILLE, RIO DE JANEIRO - Here is a criminal charge you don't hear very often. A man armed with a fire extinguisher attempted to put out the Olympic flame, the second time someone tried to douse the flame on its trip to the 2016 Summer Games. Video shows a man running from the crowd as the torch bearers passed through Joinville and attempting unsuccessfully to spray the flame with a fire extinguisher before being apprehended by security. According to Fox Sports, the man's motivations were unknown but he was arrested for attempting to put out the flame symbolizing the spirit of the competition at the games. A similar filed attempt at extinguishing the Olympic flame was made in June when a 27-year-old man acting on a dare flung a bucket of water at the torch, but missed and doused security guards. TICINO, SWITZERLAND - A nearly 6-foot tall man was caught on a surveillance camera emerging from a suitcase at a train station in Switzerland. Video shot by a Swiss border guard shows the man's hand sticking out from the suitcase before officers arrive to fully unzip the bag. The man was from Eritrea and had packed himself into the suitcase to cross the border from Italy into Switzerland. The man, who was one of about 3,400 migrants attempting to enter Switzerland's Ticino region, was ultimately sent back to Italy after being discovered inside the suitcase by border guards. Page 4
Paraprosdokians are figures of speech in which the latter part of a sentence or phrase is surprising or unexpected, frequently humorous.
1. Where there's a will, I want to be in it. 2. Always borrow money from a pessimist. He won't expect it back. 3. Since light travels faster than sound, some people appear bright until you hear them speak. 4. If I agreed with you, we'd both be wrong. 5. We never really grow up; we only learn how to act in public. 6. War does not determine who is right--only who is left. 7. Knowledge is knowing a tomato is a fruit. Wisdom is not putting it in a fruit salad. 8. To steal ideas from one person is plagiarism. To steal from many is research. 9. I didn't say it was your fault; I said I was blaming you. 10. In filling out an application, where it says, 'In case of emergency, Notify:' I put 'DOCTOR.' 11. Evening news is where they begin with 'Good evening' and then proceed to tell you why it isn't. 12. You do not need a parachute to skydive. You only need a parachute to skydive twice. 13. I used to be indecisive. Now I'm not so sure. 14. To be sure of hitting the target, shoot first and call whatever you hit the target. 15. I've had a perfectly wonderful evening. But this wasn't it. 16. The day before something is a breakthrough, it's a crazy idea. 17. She often stood outside in order to be outstanding. 18. Hospitality: making your guests feel like they're at home, even if you wish they were. 19. A bank is a place that will lend you money, if you can prove that you don’t need it. 20. Being smart is knowing how to get out of a tough situation. Being wise is not getting into it in the first place. 21. You can always count on governments to do the right thing - after they've tried everything else. 22. As a child my family's menu consisted of two choices: take it or leave it. 23. What does a dog do when it catches the car? 24. In ancient times cats were worshipped as gods; they have not forgotten this.
Change Your Thoughts and you change your world —Norman Vincent Peale
Thanks to the following folks for referring our service recently! Jason Huston Bob Boyce James Sanchez Brenda Tuchten Julie Mikolai Velvet Cole Lori Matthews Jim Prescott Tom Kelly Cathy Carchedi Jim Zauner Patti Brekke Eric Anderson Amy Hall Bob Hanson Cindy Curren Andrea Lulic Teri Eckholm Kris Krengel Kelsey Heimerl Betty Utecht Holly Hedburg Gerry Lentsch Doyle Land Beth Herzog
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Happy One Year Anniversary The following folks have been in their new home for one year! Greg & Kirsten Allen Reid & Holly Anderson Brian Jessica Bandelin Vicki & Greg Barsness Patrick & Jenna Battaglia KC Freiermuth & Kevin Baumgartner Brent & Rachel Borowick Lee & Becky Boullion Jeff & Jaime Breymeier Mike & Deanna Brost Dawn & Steve Buchholz James & Gina Buckland John and Colleen Buran Kevin & Michele Colbert John & Mary Connerton Robert Little & Shauna Cronk Amanda Kissner & Ben Dumke Richard & Jennifer Fiske Harry & Sandra Forsythe Sharon Weber & Charles Gummow Tim Fischer & Amy Hall Scott & Kyleen Harstedt Terry Lang & Denise Hexum Carrie & Brian Hoffman Clare Hoogesteger Kyle Hoppe
Vern Hultman Jan & Judith Innvaer Chris & Nicole Jack Jake & Nicole Janiszewski Paul & Doris Juliette Anita & James Kurhajetz Joseph & Jane Kurtz Jamie & EricLarson-Lind Brett Laughlin Mary "Teri" Lentsch Erik & Cheryl Lerfald Chad & Stacey Longmuir Ryan & Rachel Majerus Cari & Dirk McCargar Patrick & Lindsay Hiland Brandon & Briana Mitchell Beau & Michelle Bieniek Thomas Kinmounth & Ingrid Nelson
Dan & Charity Nowlan Brad & Megan Opsahl Tanya & John Pinkerman Cassie Lawrence & Blaine Ritter Mark Franta & Patricia Schlief John & Pat Schwietz Wendy Seyller Lee Ann Lardy & Phil Shea
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