Now that the holidays are over and a new year has begun, now is the perfect time to make sure you are ready for 2009. Here are five things you should do this month that will make your life easier in the months ahead:

Clean Out the Clutter: You keep saying you'll do it...go ahead and do it. Spend an hour going through your old files, and shred those receipts, bills, and statements you no longer need, like old ATM receipts and utility bills, paystubs more than a year old, and receipts for things that are no longer important.

Get Organized: While you're at it, create new files for your important and current receipts. Examples of categories include medical expenses, utility bills, and insurance payment receipts.

Check the Gift Card Fine Print: If you received gift cards as a present over the holidays, use them soon. Some have expiration dates, or the amount on the card may get reduced over time. In addition, in the current economy, retailers that go out of business may not honor gift cards.

Do Some Review: Review your various insurance policies - life, home, auto, etc - to make sure the coverage you have is still the best fit for your needs and situation. To save on cash out of pocket, you might even consider raising your deductible to get a lower premium.

Do Some Reflection: Take an honest look at your schedule and responsibilities and make sure you are taking the time you need to stay healthy and feel good. Don't feel bad about actually scheduling specific blocks of time to exercise or spend special time with family and friends, to ensure it actually happens. This will make everything else you have to do this year easier...and more enjoyable, too!

Change is inevitable, growth is intentional!

By the time you read this, the New Year will be upon us and change will have occurred in the Bahamas as it is in every other country of the world.

Together we witnessed the collapse of a large segment of the mortgage market. Worldwide, we have seen thousands of our fellow mortgage professionals exit the industry and seek new ways to earn their livings.

I am confident that, in time, our industry will recover and those who have been able to persevere in these difficult times will again prosper. Compare us to a ship, traversing stormy seas. We have an able captain and crew but need to rely on the power of the wind to reach safe harbor. With your continued support, we will continue to bring our value added service to the masses. At the same time we will foster a more competitive mortgage industry to the benefit of new borrowers.

For more information, email us at info@xmloans.com

From the President’s desk….

Those of our generation will one day reflect on the radical changes which took place in our lifetime. From the election of America’s first black president, to the sweeping changes which are soon to take place in the financial markets.

The leaders of Germany and France along with former British Prime Minister Tony Blair have all called for a new global order in the wake of the financial crisis.

Your monthly mortgage tip:

Secrets Lenders don't want YOU to know!

What to do if you’ve been laidoff?

- Get rid of the false pride

- Inform creditors of job loss

- Request payment restructure

- Adjust your lifestyle

- Reprioritize your life

- Sell unnecessary assets

- Seek help from family

- Don’t panic

- Don’t give up

To find out what to say to your banker, email us at info@xmloans.com

KNOW THE FACTS – JOB LOSS DOES NOT AUTOMATICALLY MEAN HOME LOSS!

The material contained in this newsletter has been prepared by XM Loans Ltd. 404 Bay Street, PO Box N-4443, Nassau, Bahamas and independent feature contributors. The material provided is for informational and educational purposes only and should not be construed as investment, financial, real estate 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, we always want to make sure you are clear on all details of the home financing process. If you or someone you know are interested in purchasing or refinancing a home, give us a call today! XM Loans Ltd. is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated. The Mortgage Optimizer does not grant to the recipient or distributor a license to any content, features or materials in this email. You may not download, or save a copy of any of the content except as otherwise provided in our Terms and Conditions.

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If you prefer to send your removal request by mail the address is Admin, XM Loans Ltd. P.O. Box N-4443, Nassau, Bahamas

Newsletter by:
Intelligent System Solutions LLC
Solving Business Problems With Technology
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HAPPY NEW YEAR!

For more information, email us at info@xmloans.com

From the President’s desk….

Your monthly mortgage tip:

Secrets Lenders don't want YOU to know!