before you buy anything...do your homework
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Few Extended Warranties Ever Pay Off. The odds are against you.

Have you found yourself standing at the counter while you’re completing a purchase when the pitch comes? The pitch for the extended warranty on that TV, camera, washing machine, car…you name it. If you can buy it, someone will give you a warranty on it.
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INSURANCE
Ask questions and lower your insurance costs

People doing their homework on auto insurance find that there are two keys to finding the best price. The first key is the insurance company. Rates vary significantly from one insurer to the next, according to Michael Bailey at the Insurance Plus Agencies of Houston. The second key is utilizing all the discounts that are available.


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CANCER
Early Detection Increases Cancer Cure Rates and Treatment Options

Anyone can develop cancer. In the U.S., men have slightly less than a 1 in 2 lifetime risk of developing cancer, according to the American Cancer Society. For women, the risk is a little more than 1 in 3. Most cancer cases occur in adults who are middle-aged and older making it extremely important for adults 40 and older to have regular screenings to detect and remove precancerous growths.


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HV A/C
Look for efficiency in your air conditioning system!

Gary Parr, founder of HVAC Direct To You, suggests upgrading to the highest SEER rating you can afford. SEER stands for the Seasonal Energy Efficiency Rating and the minimum that can be manufactured today is 13 SEER. Ratings go as high as 18 SEER or higher.


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INVESTMENT
Give yourself a raise!

The MAP System is your roadmap to a brighter financial future. The MAP System is a group of professionals and investors who purchase a particular type of residential real estate. Those properties can be purchased with very little money out of pocket, yet generate income and equity for the buyer. Come to a MAP workshop this Tuesday evening to see how the MAP System can increase your income and net worth. Call 281-397-9708 or logon to themortgagemanager.com.


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CELL PHONES
The Wireless Coverage Area Matters Most

The number one difference in wireless phone carriers is the coverage area according to Cory Smith of Total Choice Communications. “Not every carrier is everywhere,” said Smith. He suggests taking advantage of the 30 day return policy on most plans that allows you to return the phone and cancel the contract within 30 days. First, make sure the carrier offers it. Then, test the phone reception at home, at work or wherever you use the phone most of the time. If the coverage isn’t what you expect, return the phone and try a different carrier.


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HEALTHY FOOD
Stay healthy by preventing illness

Americans spend $1 trillion on unhealthy food each year. Americans also spend $3 trillion to medicate the health problems that result from all that unhealthy food. So says Sandy Arch, the owner of Sandy’s Market here in Houston.


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