Wishing you and your family a holiday season that's filled with joy. Thank you for helping make our year special.

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		Christian Pak Managing Partner Homeland Financial Phone: (404) 939-0502 Fax: (678) 638-1215 License: 162627 cpak@homelandmtg.com www.christianpak.com

December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012		Naughty or Nice? Home Loan Rates in 2013 The holidays are fast approaching and the new year will be here before we know it. Which makes this the perfect time to look at what's happening here in the U.S. and around the world, to see how home loan rates could be impacted in the months ahead. Keep Reading »    12 Things to Buy Used You can save a lot by purchasing these items second-hand rather than new. By Cameron Huddleston, Kiplinger.com Do you have an aversion to buying second-hand items? Don't like the idea that someone else used them first? Well, get over it because you can save a lot by buying used rather than new. Keep Reading »    Slow Food Relaxed Cooking for a Hectic Time of Year By Kirk Leins The term "Slow Food" refers to an eco-gastronomic movement that started in Italy in 1989. The primary goal of its founder, Carlo Petrini, was to undermine the popularity of fast food. Carlo and I may have the same agenda, but I'm going about it in a different way. Get ready to dust off your Crock-pots ladies and gentleman. It's time for some slow food. Keep Reading »    Tis' the Season to Give Not Just Receive The holidays are in full swing and with all the hustle and bustle that this season brings, it's easy to get distracted from the true spirit of the holidays. Winston Churchill said, "You make a living by what you get, but you make a life by what you give." This holiday season, why not spread a little cheer by gathering your family together for some giving–not just presents for loved ones, but by giving of your time or resources...or even yourself! Keep Reading »    Deck the Halls with Fresh Ideas Easy and Unique Holiday Decor Are you tired of reusing the same holiday decorations year after year? Are you on the prowl for new and unique ideas that won't break your budget? Here's an impressive list of fun and unusual decorating ideas that are both easy to pull off and guaranteed to add a little something extra to your holiday memories. Keep Reading »    Too Much of a Good Thing, Part 3 Over-Eating: What's Your Reindeer Type? While we all know about tips for not gaining weight, be it during the holidays or otherwise, sticking to these tips is what counts. Back by popular demand is the third installment in our Too Much of a Good Thing series. This time we're talking about how to minimize–or eliminate–the seemingly unavoidable holiday weight gain. Keep Reading »

Georgia Residential Mortgage Licensee NMLS: 150504 : 162627

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		Christian Pak Managing Partner Homeland Financial Phone: (404) 939-0502 Fax: (678) 638-1215 License: 162627 cpak@homelandmtg.com www.christianpak.com

November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012		Residential Redux What's Happening With Housing Housing influences every other economic sector, not just because jobs are created to get houses built, but also because consumers spend lots of money-lots of other places-when they buy a new home. Add to this the tremendous transfer of wealth and additional taxation that occurs when homes are selling, and you've got the makings of a robust economy. Keep Reading »    A Life of Permanent Purpose The Butterfly Effect "A life is not important,'' said Jackie Robinson, ''except in the impact it has on other lives." But let's face it-hustling through a busy week, while often necessary, makes it hard to feel connected to others and even yourself. Keep Reading »    10 Annoying Hotel Fees and How to Avoid Them Here's how to escape some extra charges and how to make sure you don't get stuck paying for amenities that you don't use. By Cameron Huddleston, Kiplinger.com Fees and surcharges collected by hotels are expected to reach a record high of $1.95 billion this year, according to a study by the New York University School of Continuing and Professional Studies. Yes, that's billion with a ''B'' - and the number reflects an increase in the amounts charged, as well as a 5% increase in the number of rooms occupied in 2012. Keep Reading »    Easy as Pie A Guide to the Perfect Thanksgiving Dessert By Kirk Leins Thanksgiving wouldn't be the same without it. I'm not talking about turkey, or any of its dinnertime accompaniments. I'm referring to pie, a dessert so delicious you can't pass it up, regardless of how much you've already eaten. You simply loosen your belt and return to your spot at the dining room table, guiltlessly uttering the phrase, ''I'll take a big slice, please.'' Keep Reading »    Fall, Family, Fireside Unique Ways to Spend Quality Family Time Together This Season Let's face it...we live in a fast-paced world. The hustle and bustle of everyday life, combined with modern day technology, can detour us from spending a good amount of quality time with our families. Can you think of the last time that your family gathered together-holidays and meal time excluded-away from the television, without cell phones and free of outside distractions? Keep Reading »    Let It Snow Make These Fall Home Inspections Before Winter Weather You won't get much fireside snuggling done if your chimney clogs or your roof springs a leak. And while prepping your home for winter weather isn't much fun, once you do it, your peace of mind lasts all season long. Keep Reading »

Georgia Residential Mortgage Licensee NMLS: 150504 : 162627