UWI Oct/ Nov 2015

Loose

20 Lbs

By Christmas!

A Spiritual Workshop to help shift old patterns

10 Reasons why to go Solar, Go Green and Save with Viridian Energy

Zena Contreras “Authentic Voices Of Women�

October / November 2015 www.ultimatewomaninternational.com

Holiday Extravaganza Vendor Showcase Nov 7th 2015

TOP 10 REASONS

WHY THE TIME TO GO SOLAR IS NOW! With utility rates climbing into the stratosphere in many markets, there’s never been a better time for Americans to go solar. Here’s why every homeowner should submit a request for a risk-free consultation:

1. Installation is FREE. Yes, absolutely FREE. No upfront charges and no hidden costs. You only pay for the power your panels produce.

2. 24/7 monitoring is FREE. Maintenance, repairs and even replacements are FREE, too.

If for any reason your panels aren’t producing as well as they should, your solar professionals will be right on the case with repairs or even replacements. Homeowners already have enough to take care of. Solar panels shouldn’t be one of them.

3. No guesswork, no paperwork, no hassles.

When you go solar with Viridian, you get a team of solar experts to handle all the permitting and details. All you have to do is sign the contract and enjoy all the benefits that solar has to offer.

4. Save money on your electric bill.

Why spend more on electricity than you have to? When you go solar with Viridian, you can save thousands of dollars over the life of your contract.

5. Locked-in low rates make more sense than ever.

If today’s electricity rates aren’t enough to convince you to look into solar, chances are good that future rates certainly will. With Viridian you get locked-in low rates for the entire life of your contract, no matter how high utility rates may rise.

© Copyright Viridian Energy 2014. All rights reserved.

Unauthorized copying or reproduction of this product, in whole or part, is strictly prohibited.

TOP 10 REASONS

WHY THE TIME TO GO SOLAR IS NOW! 6. Moving is easy.

When you sell your home, your solar contract can simply transfer to the new homeowners. Or, if you’d like to take your panels with you and circumstances permit, we’ll help you do that, too.

7. Solar panel technology has been stable for two decades.

A fair number of people have resisted going solar for fear that they’ll be stuck with out-of-date technology. But the truth is, solar panels haven’t changed very much in more than 20 years.

What will likely change, however, is funding for government incentive programs. Bottom line: the possible benefits of waiting for new technology are far outweighed by the energy savings, peace of mind, and solar rebates you may get now.

8. Solar power helps move America toward energy independence.

Solar panels on your roof = energy that’s created right here in the USA. (And helps create American jobs, besides.) Solar power is a boon to our energy grid as well, flowing in excess energy when demand is highest and offering an extra layer of security thanks to distributed generation.

9. Solar is 100% green energy CO2 emissions from fossil fuels are the major contributors to climate change. But solar panels require no “fuel” but the sun’s rays and emit no climate-damaging greenhouse gases. In fact, over 20 years the average 3-bedroom home with solar panels will avoid 100,000 pounds of CO2 emissions and will save 30,000 gallons of fresh water from being used in energy production.1

10. LAST BUT NOT LEAST: OUR $300 SOLAR REWARDS PROGRAM! Whether or not you’re a Viridian Customer, you can become a Solar Rewards Partner. The way it works is simple: When someone you refer to Viridian has their solar system installed, you get $300. We’ll give you all you need to make submitting referrals easy, including your own personal website. Participating is free and there’s no limit to how much you can earn. Ask your Viridian Associate for full details.

To See if Solar is available in your Area Contact Mr. Mickens at 480-331-5722 Today!

1 SERising

CLEAN

&

SIMPLE SOLAR

Complementing your pets personality Our pets are so precious to us. I swear my dog Apollo can talk, yet no chatter.

He looks at me like he wants to tell me what’s on his mind. I give him this crazed look and say “ Just talk already, I’d be happy to help you.” I am convinced that there is a spirit in him. My point is listen and pay attention to what your animals are trying to communicate with you. What is your pet saying? Recently, we had our dogs groomed with Woof Wagon in Arizona. They came to our house and groomed our dogs in their mobile unit! We were so pleased with the service. I wanted to share this amazing company with you.

I am extremely happy with woof wagon! From the phone call with Gerry to the professionalism and customer care with the groomers.

Brittany and Nicole were AMAZING with my little ones. They were finished in 90 minutes with both dogs!

I love how they come to the door get your dogs and bring them back looking fabulous! Their wagon was clean and beautiful what a lovely service we will not go anywhere else.

Book Now! Thanks Ladies!

Ultimate Woman International October/ November 2015

Advantages of using our mobile pet grooming services Benefit to You the Pet Owner: Our state-of-the-art mobile grooming van comes conveniently to the location you specify so you can continue with your planned activities Our van is completely self sufficient with on board electric power, clean and used water storage, communications and computer systems. There is no need to connect to your electrical or water system. Used water is stored on board so we do not leave any residue at your location.

We adapt to your schedule so you can plan your day accordingly. Your pet is serviced immediately so you do not have long wait times as you might have in a fixed location salon.

We have two groomers onboard the van so if you have multiple pets they are groomed at the same time.

You are relieved from loading your pets in a vehicle, travel and deal with traffic uncertainties, waiting for service then driving back home.

Benefit to your Pet: Your pet is given the immediate focused undivided attention of our caring professional pet groomers.

Our pet grooming van is air conditioned and has multiple fresh air vents for your pet's comfort.

We provide heated clean (not re-used) bath water set to a comfortable temperature level for your pet No stress to your pet: No time in a cage which often happens at fixed site facilities.

No stress or danger from other potentially aggressive animals.

If your pet is nervous or skittish with strangers we take the extra time to develop a relationship with your pet so it is comfortable and relaxed during the grooming We use only quality shampoo products that will be gentle to your pets skin and enhance its coat With no other pets present your pet is protected from communicable disease and pest infestations Hygienic environment protects your pet. Between each appointment we thoroughly vacuum the work area.

All work surfaces are wiped down with antiseptic wipes and all grooming tools are similarly sprayed with antiseptic cleaner and wiped down.

Book Today at www.woofwagonaz.com

Or Call 602-397– 8493 Ultimate Woman International October/ November 2015

Are you Ready?

I

am so excited to be able to offer this amazing workshop for all of you who feel

like you are just existing and not living a happy full life! My name is Marilyn Poscic and I am a nationally known Intuitive Angel Messenger, Medium and author of 3 books. I talk to Angels 24 hours a day and They have guided me to collaborate with a few others to present a workshop to help you shift old patterns, finding your purpose in your life bringing more joy, happiness and fulfillment to you first, then sharing with others, bringing more enlightenment to all!

When you begin to realize there is so much help available to all of us that we cannot necessarily, see, hear, feel or touch like we do one another in our “human” state, and when we learn how to tap into that unlimited help, then the world of limitless possibilities opens and miracles begin to happen. Many times it is hard for us to fully comprehend how to seek this help and guidance because we are trapped in our own limited brain.

We have created this workshop to help you understand your “human” side by what your hands have to say with Palmist Cheryln Peavler, your toes with Master Toe reader Sherry Lee, your spiritual side with Medium Tina Escoto, Angel Messenger Marilyn Poscic, and tools you can use such as crystals and pendulums with crystal therapist Christine Wolfe.

This will be held outdoors in the beautiful foothills of Cave Creek Az. Registration will begin at 8:30am and the workshop will begin promptly at 9:00 with a brief introduction from all of us and opening meditation to help you set your intentions for the day. The first presentation will begin at 10:00 am lasting 45 minutes leaving time for questions and answers. Each one of us will be available for mini readings as time allows and food will be provide throughout the day with lunch from 12-12:45.

If you are already leading a full rewarding and loving life, this workshop may not be for you. But if you feel like you may need a refresher or know someone who will benefit from this workshop please feel free to share!

Ultimate Woman International October/ November 2015

Are you Living or Existing?

This workshop will provide you with the tools needed to help shift old patterns by understanding your “human� side what your hands and toes say, receiving help on the spiritual side from Angels and Deceased Loved Ones and tools such as crystals, allowing you to LIVE and Love your life instead of existing!

Each presenter will provide a one-hour workshop and private mini readings as time allows. This will be hosted outside at a private residence in the foothills of Cave Creek Arizona, and a light lunch will be served. Cost of attendance is $146 per person.

Marilyn Poscic Angel Messenger marilynposcic.com

Cheryln Peavler Palmist allspiritdriven.com

Spiritual Workshop

Christine Wolfe Crystal Therapy

Sheri Lee Toe Reader thetoepro.com

November 7, 2015 9:00am - 4:30pm

Tina Escoto Transformational Medium TinaEscoto.com

RSVP: (Limited) EscotoTina@Gmail.com or 480-220-9233

Pay via PayPal at: www.facebook.com/ExistingOrLivingWorkshop

Publisher’s Letter Fall has arrived! It is so nice to break out with a fall wardrobe! There are many things happening this fall. Be sure to take your time reading about all of the wonderful products, services and events happening! The state fair is going to be a big hit! Also We are sponsoring a Holiday Extravaganza Vendor Showcase. This will be your one stop stopping for the holiday season. November 7th 2015 at Peoria Theater Works. From Business to Fashion and everything in between we’ve got you covered. Be sure to follow us on FaceBook for updates and Business Spotlights.

Get to know and connect with these successful women. If you are an Ultimate Woman we want to hear from you. We love sharing success stories, non-profits, and promoting everyday women. We are Nationwide, so send us your feedback and connect with us today.

Best Regards, Brittany Ann Parrish,

Publisher

Editor L. Simone ………………………………...

IT Support Henry Mickens ………………………………...

Publisher / Marketing Brittany Parrish …………………………………..

Contributing Writers: Wendy McClelllan, Anne

Cover: Photography by Martha Broch Photography

Located in Peoria, Arizona All Rights Reserved 2015 ultimatewomaninternational@gmail.com

New Logo Provided by R & R Add Designs LLC Thank You for an amazing job!

Contents

28

Cover Story: Zena Contreras “Authentic Voices Of Women “

Mouth Watering Recipes by WishfulChef for the Holidays

10 Women In Business Read about these fabulous women entrepreneurs' and share with your friends.

22 20 18

Peggy Stokes with Mary Kay will help you discover what you love!

16

How do you Advertise and Market your Business?

Business owners today dread advertising their business. But the truth is that if you don’t put the word out about your business you won’t be in Business. It really comes down to what avenues are available, how effective they will be, timing and cost. Let’s talk about the different types of advertising for just a moment. You could put an ad in print, like a newspaper, magazine, social media, or if you like even stand on the corner dressed up, but depending on your budget some of these will cost money, others will cost time. However, they can reach your target market instantaneously and be effective. So try some and see which ones you like best and stick with them. Do try other things you might be surprised at who you might meet.

Also, Understanding the importance of advertising in a multitude of places will be key to your success and maximize your exposure. Learn about the timing of advertising for your businesses. For instance in certain parts of the country business slows down. Like Arizona, it’s HOT! So What, right? I find that some business owners are charging full speed ahead with not boundaries. Wise! That way you are staying consistent and being an efficient marketer. Congratulations. It’s takes years to achieve this critical part of your business. Now let’s not forget about the cost of advertising. If you have a business plan like most do or need too, you can stay on budget for the most part but, this also needs to have some flexibility. Advertising costs can get out of control. Find some of the best avenues that have a cost that will allow you to advertise in several places at one time.

There will come the occasional time when you find a new venue for advertising your business. If it makes sense make it happen! Now let’s wrap up with these final thoughts. To get the results you desire, have a plan and stick to it. You will of course need follow through. I like the article “Goal Setting” by Carmen Parks featured in this issue of Ultimate Woman International. But you have to check out her book “How to Believe in Yourself” Carmen gives some real inspiration and great information find it at mindbodybalance.biz Join Networking groups that make sense and that you are comfortable with. In this this will help you expand your business and you’ll meet likeminded people.

Ultimate Woman International October/ November 2015

Share the Spotlight With a Business Video blog

Brittany interviews women business owners and people who want to share their experiences and provide services or resources with you. We have a dedicated Youtube channel, where Brittany Ann gets valuable information that helps women with their daily lives.

So look for Brittany out in the community, and be sure to check out our website and Youtube channel for the latest business videos.

Follow Brittany at, Instagram;UltimateWomanintl www.ultimatewomaninternational.com

Check out the website with new Resources, Products and Services!

Ultimate Woman International Featuring ..

Brittany Ann Parrish Ultimate Woman International October/ November 2015

What Women Need to Know about Financial Planning When I was a young woman, a male financial professional patted me on the head and told me not to worry about money. My husband would take care of me. It was in that moment that I knew my calling in life – to help women with financial planning.

I believe that everyone – men and women – should understand personal cash flow, savings, and investment accounts. My specialty is the financial planning piece of the money puzzle.

Financial Planning Should Not Be Complicated When my clients come to me, it is my goal to make financial planning as uncomplicated as possible. We look at their personal finances and gather documents like investment and savings account statements prior to our first appointment.

At the first appointment, we get to know each other. I tell them how I get paid, the benefits of working with me because I am a fully licensed financial professional, and what they can expect when they work with me. I want my clients to have all the information they need to make an informed decision.

Once we’ve gotten to know each other, they decide if they want to work with me. If they want to, I put together a plan of recommendations and we meet again to go over the plan. It’s a simple process.

Know Your Accounts Sometimes one spouse is more interested in handling money for the family and that’s okay.

Even if one spouse handles the family finances or day to day budget, both of you should know exactly what accounts you have and have access to logins and statements.

In a worst case scenario like your spouse becoming incapacitated or dying, you need to have insurance, bank, and investment account information at the tip of your fingers to pay household bills and other expenses.

Ultimate Woman International October/ November 2015

Having access to financial accounts is important for both spouses as well as having a will, living will, and power of attorney. An estate planning attorney can help you get these documents in order and recommend a safe place to store them.

Money is an ongoing conversation.

No one likes to talk about money because it involves emotions and decision making but we have to talk to each other. Families need to know how to handle finances should we become incapacitated or worse. Set an appointment on a regular basis to review family finances with your spouse.

Taking time now to talk about financial planning will save you stress in the future and you will have peace of mind today. If you’re interested in learning more about financial planning for your future, please make an appointment with Shanna Tingom of Heritage Financial Strategies at 480-397-1184.

Ultimate Woman International October/ November 2015

On the Cover

Cover Woman Zena Contreras Zena Contreras is Founder of AVOW-Authentic Voices of Women, a thriving Executive Recruiter and Human Resources Consultant, a Published Author, Inspirational Speaker, and dynamic Success Coach. Zena influences and inspires people daily through her personal interactions and vigorous involvement in social media. She has mastered the ability to channel her traumatic childhood experiences to fuel her passion for philanthropy and advocacy.

Born to adolescent parents who divorced when she was very young, Zena struggled with her mixed racial heritage. She was labeled a hypochondriac by her family, because she claimed to be sick so frequently, but, in reality, Zena was crying out for attention and safety. At six years old, she was molested by a family member, and the molestation continued for years, with other family friends also taking advantage of her physically. When she tried to tell adults, Zena was told that she was lying, and so lying became a part of her persona. Eventually, Zena began skipping school, and let isolation be her refuge. She dropped out of high school and started her journey into the working world. Zena taught herself the skills necessary to become a top recruiter by mirroring others, and personally challenging herself to grow with each new opportunity. Her willpower and drive resulted in highly-lucrative positions with top Fortune companies such as Classic Party Rentals, Empower Network, Soul Purpose, Advantage Sales & Marketing, Experian, Mary Kay Cosmetics, Summit Merchant Solutions, Amgen, Fox Interactive Media / MySpace.com, City & County of San Francisco, Bechtel, Arizona Department of Revenue, WSSC (10th largest energy co. in North America), Amway Inc., Indy Mac Bank, KB Homes, International Rectifier, Countrywide, eConnections.com, Target, Pacific Energy, Allergan, KPMG, Nike, Charter Communications, The Walt Disney Company, Disney Consumer Products, Disney Online, Universal Studios, Warner Bro’s, Southern California Edison International, and Syncor International.

Ultimate Woman International October/ November 2015

Regardless of how her childhood circumstances may have shaped her, Zena is NOW fully present, and fully accepting of her entire life.

Sharing her life experiences with women in AVOW and everywhere, Zena leads others through the journey from darkness to the light with encouragement and support. So often, women feel shame and regret, and unconsciously choose to stay stuck in their past pain cycles.

Zena reveals how being anchored to the past hinders life’s possibilities, and invites women allow their past, to heal their future.

AVOW empowers women to heal through self-awareness, forgiveness, and acceptance. It is through healing, that we can embrace all possibilities for healthy and prosperous living, fully-engaged parenting, heart-centered relationships and well-balanced careers that feel good in our Souls.

Contact: Zena Contreras Glendale, AZ 85305 623-328-7450 facebook.com/groups/ AVOWforwomen/ Photography by..

Martha Broch Photography www.marthabrochphotography.com Ultimate Woman International October/ November 2015

Women on a Mission to Earn Commission (WOAMTEC), a premier national networking organization, is putting down roots in Arizona, now hosting chapters in Scottsdale and Phoenix, with more coming soon. The Florida-based networking and business building group has more than 70 chapters nationwide. WOAMTEC targets women who balance multiple priorities, including faith, family, career, and business ownership.

When President and Founder Kathleen Hawkins started WOAMTEC in 2007, her goal was to create a networking group that allowed women to be women. Hawkins established a comfortable environment for women to mastermind, support, and challenge one another to reach their goals and share their successes.

Membership includes category exclusivity—there is no direct business competition at a chapter meeting.

Further, if members can’t make a meeting, they can send anyone from their office to attend that week. They can also invite guests to as many as two meetings before the guests have to become members.

WOAMTEC provides empowering training programs, events, forums, products, webinars, socials, and workshops for its members and offers national exposure on the organization’s main website. The group prides itself on providing educational opportunities and business alliances to small business entrepreneurs all across America.

WOAMTEC does not have an attendance policy, but officials emphasize that the more members put into WOAMTEC, the more they’ll get out of it. Meetings are twice a month, with business coaching and education in entrepreneurship the remaining weeks. In-person meetings are held over lunch, allowing women to juggle their families and careers while still growing personal and business connections, all without feeling guilty!

Ultimate Woman International October/ November 2015

One of the group’s major strengths is that members are professionals who have the knowledge to teach each other on an interpersonal and business level.

WOAMTEC is designed to appeal to businesswomen who are already successful and simply want to grow their businesses, as well as those just starting out.

WOAMTEC’s philosophy is not to compete with other networking organizations, but to offer stress-free networking where women can simply be women and learn the ropes in an authentic and open environment.

“WOAMTEC offers a safe environment for women to hone their skills, build relationships, and market their businesses,” stated Wendy McClellan and Stephanie Hastings, the Executive Directors of the Scottsdale and Phoenix chapters respectively. “The goal is to make the WOAMTEC chapters in Arizona the go-to networking groups in the state.”

For more information, visit www.woamtec.com or call 866-757-2611

Ultimate Woman International October/ November 2015

Health & Wellness

Are you Tired? Overweight?

Don’t sleep well?

This product is AMAZING! Not only have I lost 40lbs, Seriously! I have increased my energy, lowered my blood pressure, kept the weight off and now making money by sharing plexus. The Journey to my weight loss started March 2015.

I was overweight, sluggish, tired and not feeling so good. I’m sure many of you can feel my pain! I decided to take action! I found this product and gave It a try. Within weeks I felt better, had more energy and felt less bloated! After 30 days, I noticed my clothes were fitting better and I felt great. But, the true results came with-in 3 months. I had lost about 34 lbs and knew this was the best product I’ve tried and quickly joined the Company! There are a variety of products, my success came from the flagship product; plexus slim and the accelerator. To find out what will be the best products for you call me for a consultation and I’ll share more of my story and help you with yours!

This in not only about loosing weight it’s about… feeling great.

Ultimate Woman International October/ November 2015

Plexus with Power Kellie Crowley 6months later………

602-741-7772 Call or text today Mention you saw me in Ultimate Woman Intl Magazine!

Ultimate Woman International October/ November 2015

Founded in 1996 by Mary Kay Ash, The Mary Kay Foundation℠ is dedicated to making an impact in the areas of cancers that affect women and violence against women. As a result of Mary Kay Inc.'s generous administrative assistance to support The Mary Kay Foundation℠, more than 97 percent of each donation dollar goes to support Foundation causes. For more information on The Mary Kay Foundation℠ visit www.marykayfoundation.org

HOW I BRING THE BEAUTY COUNTER TO YOU! As my customer, you can create your ideal beauty experience. Helping you look your personal best and feel confident in the skin that you are in is my purpose and passion daily! I offer personalized services that fit your needs. Always a try before you buy experience!

SERVICES OFFERED: *Anti-Aging Guided Facial *Skin Care Solutions *Glamour Makeover *Bridal Makeup *Special Occasion Makeup *Fragrance & Body Care *Year-Round Gift Giving *Corporate Gift Service *One-on-one or group experiences * Acne Treatment *Free Shipping always

FOR YOUR FREE PERSONAL CONSULTATION, CONTACT: Peggy Stokes Ind. Senior Sales Director www.marykay.com/pstokes 480-254-1815

What’s New? Encounters: U.F.O. Experience The world’s first comprehensive exhibition exploring reports of U.F.O.s, alien abductions and encounters with extraterrestrials. Children 5 and under FREE with paid adult. Exhibit admission just $5.

Welde’s Big Bear Show Big, beautiful bruins in loving human care promoting awareness for habitat preservation and conservation for all bear species. Witness the love between man and bear. Catch the Welde’s Big Bear Show daily. Included with Fair admission.

Sweet: A Tasty Journey

presented by Satisfy your sweet tooth at Sweet! - A Tasty Journey, presented by Sears Vacations. This colorful exhibit features interactive displays and activities that will be sure to stimulate all five senses. Learn more about your favorite confections as you explore the social and cultural aspects of the candy industry.

Included with Fair admission.

Oct 16 - Nov 8 Open Wed-Sun • azstatefair.com

Holiday Extravaganza

Vendor Showcase

Nov 7th 2015

Peoria Theater Works Downtown Peoria, AZ 83rd Ave and Grand Ave 10Am — 4Pm

This Holiday Vendor Showcase is you one stop shopping destination for one exclusive day. This event will feature Beauty, Health, Gift Ideas Fashion, Holiday help , fun and More!

For More Information Contact: Ms. Parrish 480-331-5722 www.ultimatewomaninternational.com Vendor opportunity available

How to Find Good Workers: Hire Them

In my work with small business owners, I hear all the time: “Wendy, I just can’t find good workers.” It’s as if they expect these mythical creatures to materialize before them, fully trained and ready to go. But that’s not how it happens. You don’t find good workers, you hire them. After 25 years as a hiring manager, here’s my approach.

Name the position accurately. Do you need a true admin or an office manager? A bookkeeper or a controller? Keep track of all the duties you want the person to perform. Then figure out whether you’re asking too much—or too little.

Define the duties and expectations: “Read my mind and do what I want” is not a useful job description.

Better: “You’ll be our first client contact; you’ll create and maintain a filing system that works.” Is it a quantitative position—production oriented with a high level of monitoring? Or is it more qualitative, less able to be measured? Different roles require different personalities. Don’t be afraid to do a personality assessment—Kolbe, Myers-Briggs, and Elevate are a few of the more popular ones.

Culture fit the candidate. You don’t have a culture? Yes you do! Every organization has a culture. Be selfaware. Are you a “jeans, tees, and tats okay as long as the work gets done” shop? Or are you a “punch the clock you have 60 minutes and not one second more for lunch” shop? No judgment—each has its pluses and minuses. The key is to know where you fit on the spectrum, and hire the person who fits with you.

Find out the fair market wage—and beat it. Why? Because you get what you pay for. You want quality, pay for quality. It’s an investment. It doesn’t make sense to replace workers every three months if you can pay a little more to keep them longer.

Finally, use your gut. If it doesn’t feel right, don’t make the hire. You’ll save yourself money and grief in the long run. And isn’t that what good workers always do?

Want to find out more?

Call Wendy today at

480-773-3064 www.structure4success.com www.notsalmon.com Ultimate Woman International October/ November 2015

Why Now is a Great Time to Buy a Home There are many reasons why now is an excellent time to buy a home. Are you on the fence? Do you own and want to move up or stop paying rent and build your own equity/investment? Below are a number of the good reasons why now is the right time to buy.

Interest rates are still at historic lows and have been for quite some time, but how long will it last? My first home in the mid-1980s had an interest rate of 13.75% and even more recently in the summer of 2000, 30 year fixed rate mortgages were around 8.75%. Rates may never get to those levels again, fingers crossed, but they are great now!

Low Down Payment Loans are available and even grant money. There are quite a few loan programs available in the market now. The VA loan available to active duty military or veterans can be obtained with no money down or low money down, can be used more than once and can go up to $1,000,000. FHA financing is available with a 3.5% down payment. You should check your market for the maximum loan limit. Conventional (Fannie Mae & Freddie Mac) financing offers a 3% 1st time homebuyer (or not have owned a home in 3 years) down payment program. Conventional loans also are available with 5, 10 or 20% down payments.

Mortgage Insurance Premiums are lower. FHA lowered the mortgage insurance premiums for their loans a half a percent in 2015. Conventional PMI is also lower with higher FICO scores.

Home Values are going up in most areas. Affordable Housing Prices are going up and knocking some potential homebuyers out of the pool. If interest rates hikes follow in Q4 more may be knocked out.

Contrary to news releases, it’s not all that hard to get a mortgage. FICO score requirements are fairly low, 580 in some cases, but 620 or higher is optimal. Interest rates are tied to down payment and credit scores.

The rental market is competitive. It almost takes as much information about you to rent a home as it takes to buy. Why not check with a local lender to see what it would take to transform you from a renter to a homebuyer? It is more likely that home prices will steadily climb. Americans will get back to work and the world economy will stabilize.

Don't be blinded to the future by your past experiences. The American population will continue to grow and build families of all types, creating more demand for housing. Your home is not a short term investment. Look at the home-ownership benefits that are mostly forgotten by today's potential homebuyers -the chance to build equity (instead of throwing rent down the drain) and the opportunity to customize your own living space. That's what has always motivated Americans to own their own home.

As you can see, there are numerous reasons to buy. Feel free to reach out to me if you have any questions about any information included in this article.

Ingrid Quinn NMLS #211652 Loan Consultant Caliber Home Loans

Ultimate Woman International October/ November 2015

Imagine

your next home financed by a lender with proven strength and stability.

Caliber Home Loans, Inc. is a national mortgage lender and servicer with a uniquely innovative approach to customer service. This has enabled us to become one of the fastest-growing lenders in the country.

#3 top 100 of the

mortgage companies in America

by Mortgage Executive Magazine 2014

ranked

#14^

our loan

volume

lender by volume in the nation as of July 2015

^^^^^^

$

increased by over

200% from 1Q

3,654

employees

over 130

branch offices across the nation

2014 to 1Q 2015

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$75 Billion loan servicing portfolio

Our numbers

tell the story...

To learn more, contact me today.

Ingrid Quinn

Senior Mortgage Banker NMLS ID 211652 Mobile 480-430-5193 Office 480-747-6106

15169 North Scottsdale Road Suite 200 Scottsdale, AZ 85254 Ingrid.Quinn@caliberhomeloans.com caliberhomeloansinc.com/ingridquinn

our people

make the difference.

CALIBER

HOME LOANS

Caliber Home Loans, Inc., 3701 Regent Boulevard, Irving, TX 75063 NMLS ID #15622 (www.nmlsconsumeraccess.org). 1-800-401-6587. Copyright © 2015.

All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations apply. Arizona Mortgage Banker License No. 0923637

Chicken Thighs Baked in Red Wine Recipe

4 chicken thighs

What a treat here are some mouthwatering Holiday Recipes for Barb with Wishfulchef!

1 1/2 cups red wine 1/2 cup cherry tomatoes 1/2 cup Brussels sprouts, halved 1/2 cup cremini mushrooms, halved 1 small onion or shallot, quartered 6-8 garlic cloves 1 tablespoon olive oil 2 bay leaves 2 teaspoons dried thyme 1 teaspoon salt

1 teaspoon pepper Preheat oven to 400째F.

Place chicken thighs in a large baking pan. Put in tomatoes, mushrooms, brussels sprouts, garlic, onions, bay leaves and red wine. Top chicken and vegetables with dried thyme and salt & pepper then drizzle with olive oil. Depending on the size of your chicken thighs, bake for an hour to an hour and a half, until golden brown. Baste the chicken with the wine every 15-20 minutes and stir the ingredients around a bit. If your chicken is cooked and the wine is not yet cooked down, place chicken on a warm plate then cook the wine and vegetables more in the oven. The wine and vegetables will create a delicious sauce and side dish.

Total Time: 60-90 minutes Yield: 4 servings Ultimate Woman International October/ November 2015

Recipe by Wishfulchef.com

Glühwein – Mulled Wine Recipe 

1 bottle of bold dry red wine (I used a Cabernet Franc) 

1/2 cup of brandy or rum (optional)

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1 cup water

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1 large orange, peeled then juiced

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1 lemon, peeled

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1 lime, peeled (optional)

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1/2 cup agave syrup or sugar

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5-6 whole cloves

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1 nutmeg, about 10 gratings

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1 cinnamon stick

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1 vanilla bean, halved

2 star anise Peel large sections of skin from orange, lemon and lime. Over medium heat in a medium sized pot, pour in agave syrup and water, then add the peels and juice of the orange.

Add the vanilla bean, cloves, star anise, cinnamon stick, and nutmeg gratings. Bring to a boil, then simmer for about an hour. The liquid will reduce, so after around 30 minutes, add in about a half cup of wine. This allows the flavors to infuse and will create a syrup.

Recipe by…

Wishfulchef Ultimate Woman International October/ November 2015

When your syrup is ready turn the heat down to low and pour in the bottle of wine and brandy. Bring back to a gentle simmer and heat for about 5 minutes or depending on how much alcohol you want to burn off you can simmer a bit longer. Ladle it into glasses and serve warm.

Total Time: 60-90 minutes Yield: Makes 4-6 Glasses

Classic Tiramisu Recipe Start...8 ounces Italian mascarpone cheese 

8-10 ladyfingers (Italian savoiardi cookies)

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2 small egg yolks (or 1 extra large)

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2 tablespoons sugar

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1 double shot or 2 ounces espresso or extra strong coffee, cooled

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1 1/2 tablespoons brandy or dark rum

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1-2 tablespoons unsweetened cocoa

chocolate shavings for garnish (optional) In a bowl, whisk egg yolks, sugar and half of the brandy. Whip fast to thicken.

Then, spoon by spoon fold in mascarpone. Mixture should be a little softer than the consistency of mayonnaise. If mixture isn’t thick enough and comes out runny, use a hand blender with whipping blades to thicken.

On a small plate, mix espresso plus the rest of brandy. Quickly dip each side of the ladyfingers (do not completely soak), then add a layer to the bottom of your serving dish. Top with about 1/3 of mascarpone mixture, then repeat and top with the rest of the mixture.

Cover and rest in fridge for 4 hours or overnight. Sprinkle cocoa and chocolate shavings on top before serving.

A note on plating/serving: I made this dish on a small plate because my cream mixture always comes out pretty thick so it will stand on its own. Obviously feel free to use a traditional square pan to prepare your tiramisu in.

Total Time: 20-30 minutes (plus 4 hours or overnight in refrigerator)<="" span="" style="margin: 0px; padding: 0px; border: 0px; outline: 0px; font-size: 15px; vertical-align: baseline; background: transparent;"> Yield: 4 servings Recipe by...

Wishfulchef

Ultimate Woman International October/ November 2015

Happy Holidays enjoy these yummy recipes with friends and family by..Wishfulchef

Ultimate Woman International October/ November 2015