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  [IMAGE] DECEMBER 2001 Edition   Dear Richard,   Thank you for visiting LoanWeb/4Insurance. On behalf of our sister site www.iHomeowner.com , we're sending this useful iHomeowner Monthly Newsletter to you. It's specifically dedicated to the needs of Homeowners such as yourself. For much more, please visit www.iHomeowner.com , a one-stop solution for all of your homeownership needs before, during, and after the sale.  [IMAGE]    REFINANCING YOUR MORTGAGE  Knowing When is the Time to Change    The real estate market fluctuates, so knowing when to refinance is critical.  What factors should influence your decision? Click here to learn more.     HOW TO AVOID PREDATORY LENDERS  Don't Fall for Common Traps    [IMAGE]Predatory lenders are everywhere.  Learn how to spot them and outsmart them.  It's survival of the fittest! Click here to learn more.     IDEAL FURNITURE ARRANGEMENTS - 6 SECRETS  Create the Perfect Living Space    [IMAGE]Arrange a room like a professional.  Learn where to place chairs, sofas, tables, lamps, plants, etc., for the best setting. Click here to learn more.     BIG SCREEN THEATERS FOR YOUR HOME  Their Popularity is Your Benefit    [IMAGE]The thrill of the big screen at home is more popular than ever.  What is necessary for the ideal system? Click here to learn more.     12 TIPS TO LOWER HOMEOWNERS INSURANCE  Surefire Advice to Save You Money    Don't pay through the roof for proper homeowners insurance.  These tips will lower your costs. Click here to learn more.     SUPER SHOPPING SALES  Great Gifts at Even Better Prices    [IMAGE]Browse some fantastic sales and find the perfect gift.  These popular stores carry the latest and greatest. Click here to learn more.     HAPPY HOLIDAY CELEBRATION  Enjoy the Season Without the Stress    [IMAGE]Decoration projects.  Tasty recipes.  Easy-to-make gift ideas.  Even try building your own snowman online! Click here to learn more.      [IMAGE]   [IMAGE]  [IMAGE] Get Your Loan at LoanWeb.com     [IMAGE]  [IMAGE] Find Your Homeownership Needs at iHomeowner.com     [IMAGE]  [IMAGE] Save Up to 35% on Your Rates at 4Insurance.com     [IMAGE]  [IMAGE] Super Shopping Sales     [IMAGE]  [IMAGE] Helpful Hints for a Happy Holiday         Tell us what YOU want to read about in future editions.    Our privacy policy.      To unsubscribe to this publication, just reply to this message and put "unsubscribe" somewhere in the subject line.  You can also unsubscribe by clicking here.