This week is filled with economic data. Tuesday brings us consumer confidence, which economists are expecting to increase after last month’s weak report. New home sales data will be out on Wednesday. With the housing market stabilizing sales are estimated to be at 380,000 annually. Jobless claims are out on Thursday and lastly on Friday we have consumer spending, personal income, and consumer sentiment. Economists are expecting spending to stagnate with the struggling job market as well as the high gas prices.
The fiscal cliff that the U.S. economy is facing at the end of the year may be put off for another year as Congress needs more time to decide what is best way to reduce our debt. The fiscal cliff is important to us because once this happens there will be $109 billion worth of spending cuts which would likely send the U.S. back into a recession. Economists believe that the uncertainty over the fiscal cliff and what Congress plans to do is holding back the economy. On an optimistic note mortgage rates have gone back to record lows as QE3 is having a positive effect on rates so far. Last week mortgage rates for a 30 year fixed fell to 3.49%. The average 15 year fixed went further than the record low last week, dropping to 2.77%. Affordable mortgage rates are helping fuel the housing recovery which was the Fed’s goal to help stimulate the economy with QE3. Linus Schwemer Senior Loan Officer NMLS #191784 1st Advantage Mortgage, a Draper and Kramer company 630-376-0477 (Phone) 630-261-2209 (Fax) 630-638-5702 (Cell) linus.schwemer@1amllc.com www.linusschwemer.com
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 Waterlogic, a leading designer, manufacturer and global distributor of point-of-use (“POU”) drinking water purification and dispensing systems has won an award for ‘Outstanding website’ from the Web Marketing Association. The awards are the equivalent of the ‘Golden Globes’ for websites and previous winners of the top award have included Disney, Harry Potter and British Airways. To visit the award winning website, go to: www.waterlogic.com
For the award, websites are judged by industry experts who assess the website on criteria such as content, copywriting, innovation and interactivity. Waterlogic’s nomination was submitted by web design agency, Loewy Design, who has worked with Waterlogic on the design, development and build of the new website. The new Waterlogic website is made up of seven different country websites all with a consistent look and feel. The websites were launched in conjunction with the Waterlogic rebrand, which offers a fresh, clean, exciting approach to the water cooler industry. The new website displays information on Waterlogic’s latest products, technology, unique selling points and the company. Customers can ask for more information, request a quote and find out how to become a Waterlogic partner. To visit the main website: www.waterlogic.com Stephanie King, Group Marketing Executive, comments: “I’m delighted to see the new website get the recognition it deserves. A lot of hard work has gone into the project and it has been a challenge to balance all the requirements from around the business. Congratulations to the team at Loewy and the Waterlogic Marketing team for all their efforts.” Waterlogic also recently launched a dedicated website to promote their advanced UV water purification technology, Firewall. In addition, a new online partner area has been developed to share documents, videos and presentations throughout Waterlogic’s partner network. Waterlogic manufactures and distributes water dispensers and coolers in 52 countries worldwide. They offer a wide range of water dispensers and UV water purifiers for the home and the workplace. Waterlogic’s innovative UV water purifier technology, Firewall, purifies drinking water to 99.9999% and acts as a barrier, preventing back contamination to the dispenser. It is the first of its kind in the industry and the first to receive both NSF/ANSI 55a Class A UV and NSF P231 certifications. For more information about the award, please visit the Web Awards website. Debbie Jackson National Sales Manager 145 Tower Drive Unit 10, Burr Ridge, IL 50527 P.1888-826-6537 C. 1-708-278-6071 djackson@coolersmart.com www.coolersmart.com  (click above for full details!) Laura Lukasik – a specialist in luxury cruising at Viking Travel – is hosting a fabulous 10 night cruise to Spain, France and Italy. This special cruise aboard the Azamara Quest next year in late August and early September visits the European ports after the summer rush has gone home. Viking Travel – one of the top travel companies connected to Ensemble, a preferred creator of luxury tours – is sponsoring Laura as an expert host for the region and the ship. Azamara Quest is a smaller and sleeker ship designed to cater to the whims and desires of those seeking a luxurious experience. It also features two specialty restaurants, concierge amenities, a Spa and Wellness Center, a coffee café, a piano bar and a wine bar, live entertainment, daily enrichment programs (like wine and champagne tasting), and much more all included in your cruise.
To find out more and get details for the trip of a lifetime, call Laura Lukasik at Viking Travel – 630-321-1664 or e-mail her at llukasik@vikingtvl.com.” Batson Chiropractic Glen M. Batson, D.C. 6837 S. Kingery Hwy Willowbrook, IL 60527 Phone: 630-323-1181 Fax: 630-323-1185 E-Mail: backbonedr@aol.com Russell F. Caforio & Associates Russell F. Caforio (Russ) CLU, ChFC
1000 Jorie Blvd, Suite 10 Oak Brook, IL 60523 Email: russ@caforio.net Phone: 630-495-2901 Fax: 630-495-8417  (click to visit website!) Monarch Financial Group, LLC
Our September ONLINE ADVISOR is also available on our Website. We are problem solvers. We help you solve your business and financial problems. We use our knowledge and experience to help you become more profitable. Contact us today. Since the initial consultation is free you have everything to gain and nothing to lose. Need help with your accounting, your taxes, your payroll or QuickBooks? No cost or obligation for our initial consultation. Call us today at (630) 320-3720 or e-mail us at info@monarchfinancialllc.com. We would like to help you. You can also find links to your On Line Advisor E-Newsletter and your Calculators on our website at www.monarchfinancialllc.com. Art Bradley CPA & Don Wittmer CPA Monarch Financial Group, LLC 118 S. Washington Street Hinsdale, Illinois 60521 Phone (630) 320-3720 don@monarchfinancialllc.com art@monarchfinancialllc.com Know somone who might be interested in this information? Forward email This email was sent to lisl@gomailit.com by info@monarchfinancialllc.com | Update Profile/Email Address | Instant removal with SafeUnsubscribe™ | Privacy Policy. Monarch Financial Group, LLC | 118 South Washington Street | Hinsdale | IL | 60521 To: lisl@gomailit.com From: esc1111069730806_1102821898515_2209_r20@in.constantcontact.com Message Score: 2 High (60): Pass My Spam Blocking Level: Low Medium (75): Pass Low (90): Pass Block this sender Block in.constantcontact.com This message was delivered because the content filter score did not exceed your filter level.  WIIFM...."What's In It For Me?"
As Summer comes to an end and the Fall Season begins, we know that WIIFM is one of the driving forces in business. We all want to know "What's In It For Me?" When we are on the buying end of the question, we all want the greatest value possible for the money we spend. At the same time, when we are on the selling end of this question, we always work hard to provide our customers with the greatest value possible for the investment they make in what they buy from us. We have two promotions going on right now designed to provide you with exceptional value: 1. Our Annual Calendar Sale. Our sale on 2013 calendars runs from September to the end of December,. However, we know that there are specific calendars that will sell out well before the end of the year. We encourage you to determine what you need for 2013 and order early to ensure that you have what you want for the new year. 2. Our Fall Chair Sale. The sale will end in one week - September 28th. Savings on this group of chairs can be as much as $200.00. We discount all our chairs and other office furniture significantly. Click on the attachment to see the savings you can enjoy this final week of our sale We appreciate you and your business. Let us know how we can help you find that new chair or the calendars you need. Best wishes, Dennis R. Gleason 630-832-3066 (w) 630-927-0430 (m) West Suburban Office Products 178 North York Street Elmhurst, Illinois 60126 Mary Kay Cosmetics (click to visit website!) Patrick's Pros
 Monarch Financial Group, LLC
Our September ONLINE ADVISOR is also available on our Website. We are problem solvers. We help you solve your business and financial problems. We use our knowledge and experience to help you become more profitable. Contact us today. Since the initial consultation is free you have everything to gain and nothing to lose. Need help with your accounting, your taxes, your payroll or QuickBooks? No cost or obligation for our initial consultation. Call us today at (630) 320-3720 or e-mail us at info@monarchfinancialllc.com. We would like to help you. You can also find links to your On Line Advisor E-Newsletter and your Calculators on our website at www.monarchfinancialllc.com. Art Bradley CPA & Don Wittmer CPA Monarch Financial Group, LLC 118 S. Washington Street Hinsdale, Illinois 60521 Phone (630) 320-3720 don@monarchfinancialllc.com art@monarchfinancialllc.com  Summer has gone. Fall is on the way!
It is just a few days on the calendar until the Fall Season truly begins. The nights are getting cooler. Trees are beginning to change colors (in Northern Wisconsin approximately 25% of the trees are already in color). It looks like it will be early this year, All of this is a cue that it’s time to get ready for all the special things that Fall brings. At West Suburban Office Products Fall brings with it two special promotions: 1. We have started our annual calendar sale in early September. Special pricing will be available on all our calendars until the end of the year or until calendars are sold out. Specific calendars can sell out quickly! Be sure to shop for yours early! 2. Our Fall Office Chair Sale is also currently running. This is a great time to save up to $200.00 on a select group of chairs by Alera. A Fall Chair Sale Flyer detailing our sale is available, as an attachment to this email. Just click on the attachment link to view it. This sale runs to the end of the business day on September 28th. We appreciate you and your business. Let us know how we can help you find that new chair or the calendars you need. Best wishes, Dennis R. Gleason 630-832-3066 (w) 630-927-0430 (m) West Suburban Office Products 178 North York Street Elmhurst, Illinois 60126 Trinity Lutheran Church (click to visit website) Aaron Landgrave, Principal Trinity Lutheran Church 11503 German Church Road Burr Ridge, IL 60527 Phone: 708-839-1444 Email: TrinityPrincipal@comcast.net LislDesign.com - Website Design, Naperville (click to visit website)
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