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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  No major economic reports out today.  President Bush is enabling the Treasury Department to use part of the $750 Billion to be used as a lifeline to the auto industry.&

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Jobless claims came down a wee bit last month.  Chrysler is closing its doors til the end of the year.  Yesterday, common sense brought euphoria in the bond market

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  WOW!  Not only did the Fed drop its target of the Prime Lending rate to near 0% but the Fed also said it would be buying up Mortgage Backed Securities which will actually he

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video Version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Housing Starts, Permits, Consumer Price Index (CPI) and core CPI all came in lower than expected. Normally one would see a nice jump in bond price

  Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  The Empire Index released this morning showed manufacturing in NY to be lower than last month but not as bad as expected.  Don't necessarily take this as a good thing

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Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Major Economic Reports this morning.  Retail Sales as well as the Producer Price Index both came in lower than expected.  This would normally

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  The House of Representatives passed the Big 3 Bailout last night.  Things now move to the Senate were strong opposition is expected.  In real

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Continued progress towards a bailout band-aid for the InsignificantBig Three continues.  This is raising expectations of an improvement of the eco

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Again all eyes are turning to the ongoing drama between the Big 3 automakers and Congress.  With no economic reports due out till tomorrow bonds w

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Big news of the day seems to be a possible bailout of the automakers.  Rumors of this is causing global markets to rise and apparently the US mark

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  What was that loud thudding sound?  The 30 year bond knocking up against a major ceiling of the 2 1/2 year high.  Payrolls came in much worse

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Jobless claims fell off for last month by 21,000.  One data point does not a trend make.  Stock Markets are still off, companies are still pl

Here are the daily thoughts on floating or locking if you are asked by your clients.  video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  The ADP jobs report came out this morning showing an additional loss of 250,000 jobs for the last month.  Productivity came in higher than ex

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  No scheduled economic reports today.  Therefore the stock market is taking a breather and jumping up on today's non news.  Bonds are also tak

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video Version - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  Industrial Index will be released at 10 AM.  This is a major indicator in the health of the manufacturing sector. Continued weakness in all sectors cau

Belum terhitung satu hari semenjak saya memasang icon Back to top, ternyata sudah banyak juga rekan yang menanyakan bagaimana cara memasangnya di blogger. Icon back to top ini sebenarnya berguna untuk melakukan lompatan dari halaman paling bawah menuju halaman paling atas, jadi rekan tidak perlu lagi melakukan scrollbar pada browser. Caranya memasangnya pun sangan mudah, silahkan tuju

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  No economic news today.  With an abbreviated trading day a bit of profit taking is occurring.  Stock markets are holding their breath to see of the super sales are help

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video Version available at As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation.  As expected more bad economic news.  Personal spending and Durable Goods were both worse than expected.  Personal Expenditures for last mont

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video Version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Wow! Double barrel of fun today.  Pundits got it right when they said the GDP would fall by 1/2%. The other "bit of good news" is The Fed is actually go

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video Version available - As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Global and US Markets are rebounding off of Uncle Sam's announcement of the bailout of Citigroup.  Yes, our very own government is helping bailout a glo

Here are the daily thoughts on floating or locking if you are asked by your clients.  Video version available at As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. No reported economic news today.  Global markets are looking to rebound on rumors of Citi Group looking to sell itself - to whom would be an interestin

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Jobless Claims came in this morning at the highest level in 16 years (beginning of the Clinton administration) . Most media pundits and folk across the region - Yes

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Consumer Price Index (CPI) came in quite a bit lower than expected as did the Core CPI.  Both of these can be contributed to the fall in oil prices over that past few months. 

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Producer Price Index (PPI) fell quite a bit more than expected though the core PPI (strips out energy and food) rose higher than expected.  Global markets fell again tod

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. The northeast manufacturing index came in slightly higher than expected - yet still strongly signifying an economic contraction is ongoing.  Industrial Capacity fell slightly

New shower floor with float mix, originally uploaded by leslie_capron.

Float mix on the shower walls, originally uploaded by leslie_capron.

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Ouch!  Retail sales were expected to be bad, but this is horrible.  According to record keeping this is the worst report in 16 years.  After yesterday's run up in the st

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Jobless Claims rose higher than expected for October.  Yesterday bonds clawed back above the 200 day moving average after further weakness in the stock market. Technically speakin

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Yesterday, a new mortgage plan was released by the Federal Government taking aim at Fannie & Freddie loans.  While helping a bunch of folk, it does appear to lack some needed

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. A Chinese bailout package has sent world markets higher.  Fannie Mae reported a $19B loss for its most recent quarter.  Circuit City is filing bankruptcy.  Though some t

I have been getting a bunch of emails from people on the the heck I float my Adsense ads to the left or right of the content of my posts. I use this technique quite heavily as I think it is a great position for the Adsense ads to a ton of views, and [...]

I have been getting a bunch of emails from people on the the heck I float my Adsense ads to the left or right of the content of my posts. I use this technique quite heavily as I think it is a great position for the Adsense ads to a ton of views, and [...]

Well here is a story that you don't come across everyday!For the last 9 years, Beatrice Muller, an 89 year old widow,has chosen a rather unconventional retirement residence -the luxury cruise ship RMS Queen Elizabeth 2 (the QE2 forshort, shown above). Muller has found this arrangement, one that allows her to cruise around the world and receive top notch service and cuisine, much more agreeable

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. US Economy lost 240,000 jobs last month with unemployment topping 6.5%.  Hourly earnings also went down by 1/10%.  Economic situations look very grim indeed.  Technicall

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Jobless Claims came in higher than expected while Productivity rose slightly for October.  Yesterday, the Services Index fell more than expected.  With global markets still f

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Happy Election Day! Exercise your constitutional right - GO VOTE! Election euphoria catapulted bonds an amazing 116 bps yesterday.  This morning the euphoria has faded with stocks

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Happy Election Day! Exercise your constitutional right - GO VOTE! No Scheduled Economic report today.  Two years of campaigning and second guessing comes to a close tonight.&

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Slow beginning of the week in terms of news.  Markets are holding their breath to see which way the country votes tomorrow.  Economic growth in Europe is looking towards stag

When: October 31, 2008 - 5:30PM - 11PM Where: NYC - The Village, Spring Street and 6th Avenue What: Mayor’s Alliance Participating Organizations, volunteers, and their friends are invited to escort the Animal Halloween Float in the Village Halloween Parade. The Maddie’s Fund mascot will ride atop the float, w/supporters walking along side.  The float’s theme this [...] No rela

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Major economic news out this morning.  Personal Spending was down while Personal Income was up (a savings Nation??).  Personal Consumption & Expenditure for Sept was the

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. The Fed concludes their meeting today at 2:30 PM with an announcement on what they are doing with the Federal Funds rate.  Most pundits are expecting them to lower the rate to 1%.

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Global Markets are rebounding as is the US stock market.  The Fed starts its two day meeting today with pundits expecting the Fed to lower rates another half percent.  Since

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Another day, another fear of global recession.   It appears the fear is becoming the reality.  Oil is hitting 17 month lows.  Bond prices are attempting to find som

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. World Markets took a beating today on fears of a global recession.  US markets are looking to follow this example.  In fact futures trading has been limited due to an apparen

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Jobless Claims are worse than expected.  Even with bad economic news, stock markets sinking worldwide (including here at home) - mortgage rates aren't improving as traditional mod

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. CNN's Headlines scream - Wall Street Frets the Bottom Line!  Kinda funny actually - Wall Street has always fretted the bottom line.  Since earning season has started again, t

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Little economic news today.  Yesterday bonds took a huge leap forward when news that PIMCO was buying up mortgage backed securities.  This combined with the stock market appe

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. With little economic news coming out this week, bonds will be taking guidance from stocks and the overall health of the economy.  With a continued "thawing" of the credit freeze m

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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Building Starts and Permits were both down to near 17 year lows.  Another signal housing is in for some rough times.  Certainly appears to be a wonderful time to buy.  P

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Large number of economic reports released this morning.  Consumer Price Index (CPI) came in slightly lower than expected as did the core CPI - both items good news for inflation c

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Unprecedented global rate cut yesterday.  Precedented reaction - bonds are selling off and mortgage rates are rising.  Seems that even a global rate cut can't hold back econo

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Worldwide effort underway to shore up the global economy.  Various countries, including the US, have chosen to cut their prime lending rates by .5%  Why global?  This wi

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. This afternoon the FOMC minutes from last month's meeting will be released.  Though this report can move the markets, it may not amount to much compared to what's going on in the

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Here's a surprise.  All week folk were looking for the jobs report to be this number that is really going to help out bonds.  Well, the reports are out and it looks like the

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Senate passed the bailout bill that so many Congressionals disliked - I guess you can put lipstick on a pig.  Jobless Claims came in markedly higher than expectations, which

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. The markets are a fickle place.  Yesterday investors realized a fire sale was taking place and responded appropriately - sending the stock market up 400+ points.&nb

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Wow - Who would of thought elected representatives would follow their constituents lead and deny one of largest bailouts of big business?  The bailout in its current form was vote

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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. "Surprising" economic news coming out this morning.  Personal Income and Spending both came in lower than expected.  Also, Inflation on the personal level remained constant f

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Gross Domestic Product came in this morning weaker than expected, yet in line with what is expected for an economy that doesn't lead to inflation.  This should be generally good n

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Finally some good news for mortgage rates.  Durable Good Orders came in much worse than expected & Jobless Claims were also worse than expected.  New Home Sales are due o

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Economic report due out later this morning is Existing Home Sales - unless a real surprise occurs, don't expect any major movement related to this.   Bonds are more likely to

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. It will be another day of ups and downs.  Economic News? No, government testimony on a bailout in an election year.  A Senate hearing is taking place to hear what the officia

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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. The Federal Government is at it again - saving banks in spite of themselves.  The latest move is placing Goldman Sachs and Morgan Stanley into Federal supervision.  This is t

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. WOW - Federal Government steps in with one of the biggest bailouts in US History.  After stepping in to say they are creating a program designed to allow banks to unload unmarketa

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Housing starts and building permits fell even further last month.  Though folk may speculate the end has not been reached, this news can more be contributed to the ongoing fi

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Bad news/Good News.  Lehman Brothers is declaring bankruptcy and Merrill theLynch is being taken over by Bank of America.  This is certainly roiling the global markets. 

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Bonds started down the path of back fill today.  On little scheduled economic news, this could be a good thing.   Though stocks appear to be going down for the day, oil

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Bonds definitely enjoyed the news of the government takeover of the two mortgage giants.  The government takeover showed the giants are now able to back the bonds they h

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Fannie Mae and Freddie Mac were taken over by Government Regulators yesterday.  This is huge!  A stability appears to be coming back into the market place.  This stabili

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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Rise in jobless claims appears to agree with the nation's largest employment payroll service reporting a loss in jobs for last month.  Surprisingly productivity has increased even

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Oil dropping, dollar rising - seems like the bond market likes these things.  Yesterday, after a sharp sell off, the bond rebounded rather nicely. Technically speaking - the FNMA

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. "Himacane" Gustav was not as powerful as predicted - therefore oil has fallen drastically.  Stocks are encouraged by this as well as by the dollar improving.  Bonds are off a

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Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Existing Home Sales were slightly improved yesterday.  Today New Home Sales, Consumer Confidence and the Fed Meeting minutes will be released.  The slight lift in yesterday's

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Other than existing home sales due out at 10 AM, there will be no major economic reports due out till tomorrow afternoon when the minutes from the most recent Fed meeting will be relea

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. The news released yesterday shouldn't have resulted in the downturn of the bond.  It's more suspected that profit taking occurred especially with bonds being overbought.  Fed

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Yesterday's continued woes concerning Freddie and Fannie resulted in a mini rally for bonds.  This morning Jobless Claims were less than expected (though not by very much) and the

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Even with yesterday's unexpected increase in PPI, bonds held their own throughout the day.  This morning good news on HP's solid earning help the pre-market stock gain. 

Here are the daily thoughts on floating or locking if you are asked by your clients.  As always - consult your favorite mortgage professional who will be able to offer the best advice for YOUR unique situation. Both Building Starts and Building Permits were down from the previous month by more than 10%.  Producer Price Index (PPI) and the Core PPI both came in significantly higher. 

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By Donna MondayMake this cool, frosty Root Beer Float Milkshake for a real walk down memory lane. Did you enjoy root beer float as a kid? Maybe you drank them in high school when you went out to eat with your friends at the local burger hang out?Maybe you’ve never even had a root beer float but you’ve heard about them and want to try one. Well, here’s a great recipe on how to make a classic