Happy Thanksgiving!

Well, my goals are set for 2015, checklist and due dates in the works, and you too can have yours! If you weren't able to join us for the Goal Setting Event this week, no worries! I am having another on Thurs, Dec 11! Call my office at 713-579-3600 for more details! 

What will you learn? We cover the 7 boxes of life, whats working and whats not, and then you will leave with TWO tactical strategies in each area to accomplish next year! In addition, we will cover how to explode your business goals with some simple strategies you can start NOW! How to make a solid list, who to call, what to say, and how to show more gratitude. This will equal more biz! I promise!

Speaking of gratitude....My team and I are HONORED and GRATEFUL at your trusted referrals this year, and we look forward to exceeding your expectations in 2015 with on time closings, accuracy, and tons of communication!

May you have a joyous Thanksgiving season with lots of love, laughter, and a grateful heart.

PS... to see why rates were DOWN last week, CLICK HERE!

WiFi Safeguards You Never Think About!

Jennifer Hernandez Senior Loan Officer The Hernandez Team NMLS# 5144972500 CityWest Blvd., Suite 1075 Houston, TX 77042 Office: 713-579-3600 Mobile: 713-446-7791 my website Know these 3 free Wi-Fi safeguards – PLUS 14 ways to keep your mobile device secure With Wi-Fi enabled smartphones, tablets and laptops everywhere, free Wi-Fi hotspots seem to be everywhere too. Free Wi-Fi saves you from drawing on your mobile data plan limit, but there are security risks. Hackers on the same free hotspot can make all traffic flow through their computers. They can access websites you visit, your unencrypted passwords and more. They can gather information to use for identity theft and fraud, with severe consequences. 1. Don't use free Wi-Fi unless you absolutely have to. Use your mobile network's data service and pay for higher digital limits if need be. Spending a few more dollars per month for your data plan is cheap insurance for the money you could lose from fraud or identity theft. 2. Use a secure VPN service. A VPN, or Virtual Private Network, encrypts information going from your computer to the Internet, so hackers can't access it. You can surf the Web securely and your personal info is safe. Just double-check that your VPN service is reputable. 3. Don't use free Wi-Fi for anything important. If you want to use free Wi-Fi for some harmless surfing while sipping a latte, fine. Just don't do any online banking, don't use a credit card and don't go to any site that asks for a password. Yes, that includes social media! 14 PRECAUTIONS FOR MOBILE DEVICES Now that we know how to use free public Wi-Fi, let's lock out the bad guys from your mobile devices, which contain all sorts of private, sensitive information, including photos. This data can be hacked into remotely or accessed directly if someone steals an unprotected device. 1. Customize your mobile device. If someone grabs your device, make sure they can't get your information. Use a custom lock screen and ambiguous application icons and names, not "Finances" and "Party Pics." Delete default apps you don't use. 2. Disable your GPS. Keep your location hidden until you need it for a navigation app. 3. Don't download unofficial versions of popular apps. These sites are not secure. 4. Be careful with Google Maps. If you use it, disable or don't enter your home address. 5. Don't stay online indefinitely. If you're not using the Internet, get offline. 6. Read app permissions carefully when downloading and consider whether the app really needs permission to do what it is asking. When in doubt, don’t download. 7. Don't save passwords in your browser. This is convenient but not secure. Use a password manager. 8. Put a passcode on your mobile device. Customize the lock screen if you have an Android. Use a longer passcode, not a PIN, on an iPhone. 9. Vet your apps. Check that they don't have personal info you don't want to share. Read text next to the checkboxes you click when you install apps. Audit your apps monthly. 10. Never save a password for financial apps. This includes apps for banks and anywhere you make a purchase. 11. Use cloud encryption for personal information. Android allows this for all device data. 12. Update operating system and app software. These often include security upgrades . 13. Use anti-theft software. These help you locate a lost or stolen device and wipe it remotely. 14. Back up your entire device’s data. When it comes time to upgrade, downsize or buy your first home, we hope you'll contact us. We can help with the financing and answer questions about refinancing your current home or funding home improvements. Please call or email us any time.... Have a great day! P.S.: Mortgage rates are still at historically attractive levels. When buying or refinancing, it's smart to start the process early. Please call or email us to explore the appealing options available now. This was sent to you because of your relationship with Jennifer Hernandez. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in this message is the property of Legacy Mutual Mortgage and cannot be reproduced for any use without prior written consent. Institution NMLS #278675

Happy November!

Firstly the Hernandez Team hopes you trick or treaters had a safe and FUN evening as you wandered about the city last Friday!

In the market: 

Well it finally happened, the FED officially ended BOND PURCHASES. It concluded at the end of the month, which was HALLOWEEN. There was little or no reaction from the market, since investors have been anticipating this for months now. But with other economic news, rates ended the week a bit higher. Read more here!

 Enjoy your week and as always, we would be HONORED FOR YOUR NEXT REFERRAL!