Need A Little Sparkle To Start 2016 Off Right?
  
Time for another giveaway, and I really think you are going to like this one!!!
This month I am giving away a pair of Sparkleball stud earrings from Hillberg & Berk...
Even if you are not the Sparkleball type, surely you have a wife, girlfriend, mom, or secret work crush who just might appreciate this incredible jewellery, no?
Entry is as always, is quite simple. This month all I am asking is that you pass my name on to someone you know who may be in the market for a mortgage in the upcoming months. I work pretty heavily on the honour system (you seem trustworthy), so if you respond to this email telling me that you have done so, you are entered. If however, your referral happens to contact me over the next month, you will be entered twice!
Best of luck... I will close the contest February 5th (just before Valentine's Day - hint hint)
Also, congratulations to Matt Dean, Kristi Huber, and Giselle Ripplinger who all won 3 month passes from Gold's Gym last month.... time to get buff!
What The Heck is Mortgage Default Insurance Anyways?
Mortgage Insurance 101. As part of the home buying process, you will hear the term mortgage insurance used a lot, especially if you are applying for a mortgage with a downpayment less than 20% of the purchase price.
Check out all you need to know about Default Insurance here.
Massaging Your Kale & Other Ways To Make 12 Great Salads
I am not sure of the stats, but I would wager a substantial amount of money that half of new years resolutions involve eating better or getting healthy. Now I am also quite certain that 85% of these resolutions have already been forgotten about by the time you read this post. However, for the remaining few of you who are still standing, I would like to introduce you to kale.
Many may not believe me, but honest to goodness, kale is to salad what Hammer pants were to my grade 9 classmates.
It is true, you cannot simply throw a bunch of kale in a bowl with a little French dressing.... that won't cut it. But if you follow the tips laid out below, you are setting yourself up to be the King (or Kween) of Kale town.
Check out these 12 incredible recipes and prepare to go green!
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