Current Mortgage Rates for Tuesday, October 31, 2017

Happy Halloween! Financial market participants are still eagerly awaiting President Trump’s decision on the next chair of the Federal Reserve, and are therefore staying away from any big adjustments to their positions. That’s keeping mortgage rates fairly flat as we ease into the week. Read on for more details.

Where are mortgage rates going?                  

Rates flat today    

After sliding down a few basis points yesterday, mortgage rates are flat today. The big news of the week is set to come on Thursday when President Trump will announce his nomination for the next chair of the Federal Reserve.

[tmslink name = “rates”]

The current fed chair, Janet Yellen, will see her term end in February (unless somehow Trump throws a curve ball and reappoints her). Yesterday, all the news outlets were reporting that Fed Governor Jerome Powell is the President’s top choice for the job, but he is by no means a lock.

The other front-runner appears to be Stanford Economics Professor John Taylor, who is a proponent of rule based policy which would translate into much higher interest rates right now.

Financial market participants have been meticulously watching the job search and we’ve seen market reactions after even the slightest news breaks on the candidates.

Get the GreenLight and close in 21 days* 

The end is near, though, and that will almost certainly mean a significant market adjustment on Thursday once we get the final decision. At this point, the biggest reaction would happen if Trump selects someone other than Powell.

That’s who everyone is banking on right now, and there would be some definite position changes if someone else got the nod. If John Taylor somehow manages to get the job we would likely see mortgage rates jump higher.

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Rate/Float Recommendation               

Lock in your rate

Mortgage rates are flat as investors anticipate the decision over the next Fed chair. Given that mortgage rates are expected to rise over the long-term (and that we could see a jump in the near-term once the decision happens on Thursday), we’re recommending that anyone looking to purchase or refinance locks in their rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                          

FOMC Meeting Begins 

The Federal Reserve’s Federal Open Market Committee begins their two-day meeting today.

S&P Corelogic Case-Shiller HPI 

The 20-city seasonally adjusted index rose 0.5% in August. The 20-city non-seasonally adjusted index rose 0.4% in August, putting the year over year rate at 5.9%.

Chicago PMI 

The Chicago PMI ticked up to 66.2 in October. That’s a rise of 4.2 from the prior reading and even outside of the consensus range.

Consumer Confidence 

Consumer confidence came in at 125.9 for October.

Notable events this week:            

Monday:                    

• Personal Income and Outlays
• Dallas Fed Mfg Survey

Tuesday:   

• FOMC Meeting Begins
• S&P Corelogic Case-Shiller HPI
• Chicago PMI
• Consumer Confidence

Wednesday:   

• ADP Employment Report
• PMI Manufacturing Index
• ISM Mfg Index
• Construction Spending
• EIA Petroleum Status Report
• FOMC Meeting Announcement

Thursday:        

• Jobless Claims
• Productivity and Costs
• Fedspeak

Friday:     

• Monthly Jobs Report
• International Trade
• PMI Services Index
• Factory Orders
• ISM Non-Mfg Index
• Fedspeak

Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

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Breaking Patriots News: Jimmy Garoppolo Traded To Niners for 2nd Round Pick

Jimmy Garoppolo has been traded to the S.F. 49ers! To repeat: 49ers are trading a 2018 2nd-round draft pick for Patriots QB Jimmy Garoppolo, sources tell ESPN. — Adam Schefter (@AdamSchefter) October 31, 2017 The Patriots trading him for a second rounder must be a bargaining chip to acquire some defensive or wide receiver help [...]

The post Breaking Patriots News: Jimmy Garoppolo Traded To Niners for 2nd Round Pick appeared first on Boston Sports Then & Now.

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Pretty Sure Gronk Is A Distant Relative of Frankenstein (VIDEO)

The Patriots had their annual Halloween party and Gronk came as you know who…. His great great great uncle thrice removed…. There is no doubt in my mind he is a direct descendant of Frankie with that walk… Pot Of Baked Beans Goes To Patriots Reddit!

The post Pretty Sure Gronk Is A Distant Relative of Frankenstein (VIDEO) appeared first on Boston Sports Then & Now.

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Current Mortgage Rates for Monday, October 30, 2017

Drama in Washington D.C. combined with anxious investors awaiting a decision on the next Fed chair is causing a mild retreat for Treasury bonds and mortgage rates this morning. We have a very busy week ahead with several notable events that could push mortgage rates higher or lower. Read on for more details.

Where are mortgage rates going?                  

Rates slightly lower to start very busy week             

There are busy weeks and then there are busy weeks. We’re currently at the start of the latter. Looking at the economic calendar, it’s obvious that it’s going to be a data-heavy week with a handful of important economic reports to be released.

[tmslink name = “rates”]

The most notable report is of course the Employment Situation (a.k.a. the monthly jobs report) on Friday. That report is consistently one of, if not the biggest, market moving report every month.

Investors will certainly be watching to see how the labor market is doing, making it likely that rates will adjust on Friday morning after the news breaks.

Normally, the monthly jobs report would be the highlight of the week, but that’s not the case right now. Ahead of that report we have several other notable events.

Get the GreenLight and close in 21 days* 

First up is the Federal Reserve’s Federal Open Market Committee meeting on Tuesday and Wednesday. All of the action will take place on Wednesday with their concluding written statement (there will be no Janet Yellen press conference this time).

While no one is expecting that they will make any changes to monetary policy, what the FOMC says in the written statement could clear the way for action in December.

The CME Group’s Fed Funds Futures already have the chances of a quarter-point increase to the federal funds rate at the December meeting at 98%, so it’s not like there’s a lot of persuasion that has to happen; however, a formal nod from the Fed would still be welcomed by market participants.

Next up on Thursday is arguably the biggest story of the week: President Trump’s nomination for the next chair of the Federal Reserve. According to a story from Politico, it’s likely that we will get an announcement on Thursday.

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As for who he will nominate, the clear front-runner right now is current Fed Governor Jerome Powell. While he does seem to be the top pick at the moment, sources are saying that the decision is not set in stone.

One thing that is nearly certain is that a market reaction will happen after his nomination goes public. We’ve seen the markets spike and drop these past few weeks off of the slightest hint or clue about who Trump will nominate, so we can only expect to see some turbulence after the final decision drops.

Also in the news this week is the continuing situation surrounding the Republican led tax reform effort. At some point over the next few days the bill will be unveiled and we’ll finally get a closer look at the new plan.

Optimism about corporate tax cuts has helped lift the stock market the last two weeks, and helped push Treasury bonds and mortgage rates higher. Depending on the details, we could see that trend continue this week.

The good news for borrowers right now is that there is a slight risk-off scenario in the markets as financial market participants wait for the key reports later in the week and also digest the news that President Trump’s former campaign manager was indicted today on a handful of charges.

Rate/Float Recommendation               

Lock in your rate

It’s more likely than not that mortgage rates will finish the week higher than where they are right now. For that reason, we are recommending that anyone looking to purchase a home or refinance locks in a rate sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                          

Personal Income and Outlays 

Personal income rose 0.4% month over month, while consumer spending went up 1.0%. The PCE Price Index moved up 0.4% month over month, bringing it to 1.6% year over year. The Core PCE Price Index ticked up 0.1% month over month, putting it at 1.3% year over year.

Dallas Fed Mfg Survey 

The Dallas Fed Mfg Survey came in at a very strong 27.6 for October.

Notable events this week:            

Monday:                    

• Personal Income and Outlays
• Dallas Fed Mfg Survey

Tuesday:   

• FOMC Meeting Begins
• S&P Corelogic Case-Shiller HPI
• Chicago PMI
• Consumer Confidence

Wednesday:   

• ADP Employment Report
• PMI Manufacturing Index
• ISM Mfg Index
• Construction Spending
• EIA Petroleum Status Report
• FOMC Meeting Announcement

Thursday:        

• Jobless Claims
• Productivity and Costs
• Fedspeak

Friday:     

• Monthly Jobs Report
• International Trade
• PMI Services Index
• Factory Orders
• ISM Non-Mfg Index
• Fedspeak

Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2ifzdPf

Chilliwack Corn Maze & Pumpkin Farm | Mr. Locksmith Blog

Chilliwack Corn Maze & Pumpkin Farm | Mr. Locksmith Blog

For further information go to Mr. Locksmith

Visited the Chilliwack Corn Maze & Pumpkin Farm in Chilliwack BC on 41905 Yale Road West, Chilliwack, BC V2R 4J4. The Original Chilliwack Corn Maze features a 12 acre maze and tons of attractions for the whole family and has been operating the corn maze since 1999.  Lots of fun for the entire family or a date.

 

Chilliwack Corn Maze and Pumpkin Farm Tractor

Chilliwack Corn Maze and Pumpkin Farm Welcome

Chilliwack Corn Maze and Pumpkin Farm Tractors

Chilliwack Corn Maze Entrance

Chilliwack Corn Maze and Pumpkin Farm

 

Call Mr. Locksmith for further information http://ift.tt/1htmS6q

or email: info@mrlocksmith.com

Mr. Locksmith Vancouver

Vancouver Locksmith Main: (604) 239-0882

Downtown Vancouver Locksmith: (604) 262-1907

Downtown Vancouver Keystore: (604) 669-8008

Mr. Locksmith Automotive: (604) 259-7617

For On-line and Hands-on Locksmith Training Dates and Cities near you by Terry Whin-Yates for Beginners, Intermediate, Advanced Locksmithing as well as my Covert Methods of Entry, Non-destructive Methods of Entry and to purchase the Famous “Dumb Key Force Tool” that opens Smart Key locks in seconds go to Mr. Locksmith Training

For Locksmith Franchise and Licensing Opportunities go to http://ift.tt/1Q6sOkb

 

 

 

The post Chilliwack Corn Maze & Pumpkin Farm | Mr. Locksmith Blog appeared first on Mr Locksmith Abbotsford.

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Current Mortgage Rates for Friday, October 27, 2017

More news about the upcoming decision from President Trump on the next Fed chair is creating a market reaction today. The good news for anyone looking to buy a home or refinance is that it’s causing mortgage rates to move lower. Read on for more details.

Where are mortgage rates going?                  

Rates flat moving lower to end the week       

The big news this morning is that President Donald Trump is now leaning toward Jerome Powell as his nominee for the next chair of the Federal Reserve.

[tmslink name = “rates”] 

Current Fed chair Janet Yellen will see her term expire in February, and over the past few weeks we’ve seen the race to fill her position heat up.

The decision has been closely monitored by financial market participants as we’ve seen a market reaction nearly every time there has been some sort of news break on the matter.

That’s what we’re seeing this morning with the news about Powell, with the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) moving lower by about four basis points.

Investors had been hoping that the other front-runner, Stanford Professor John Taylor, would get the nod over Powell, as he’s more open to deregulation efforts. With Powell seemingly in the lead now, the risk-on scenario is taking a couple steps backward.

Get the GreenLight and close in 21 days* 

It’s been a flurry of ups and downs over as we draw closer the final decision, and we shouldn’t have to wait much longer as it’s been reported that Trump will announce a decision ahead of his trip to Asia on November 3.

Mortgage rates have been on the rise over the past week (as we saw in the Freddie Mac Primary Mortgage Market Survey on Thursday), but the good news is that they’re moving lower as we head into the weekend.

If you look at the big picture for 2017 (let alone a historical perspective), it’s clear that mortgage rates are still on the lower end of the spectrum, meaning that right now is a great time for borrowers to lock on a purchase or refinance.

Rate/Float Recommendation               

Lock in your rate today

With mortgage rates moving lower today and continuing to run on the low side for the year, we’re recommending that borrowers lock in a rate on a purchase or refinance. The long-term trend is still for rates to rise so it makes sense to take action now.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                           

GDP 

The first estimate for third-quarter GDP came in at 3.0%, which is higher than the 2.5% that was expected.

Consumer Sentiment 

The consumer sentiment index for October came in at 100.7. That’s a strong reading and only three tenths below the consensus.

Notable events this week:               

Monday:                    

• Nothing

Tuesday:   

• PMI Composite Flash

Wednesday:   

• Durable Goods Orders
• New Home Sales
• EIA Petroleum Status Report

Thursday:        

• International Trade in Goods
• Jobless Claims
• European Central Bank Meeting
• Pending Home Sales Index
• Fedspeak

Friday:     

• GDP
• Consumer Sentiment

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

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Marquise Vancouver on Cambie Corridor – Plans, Prices, Availability

At a Glance

• located at Cambie & King Edward
• 6-storey concrete mid-rise
• 50 condos from 1-3 bedrooms
• 8 x 2-storey laneway townhouses
• short walk to Canada Line
• near Queen Elizabeth Park & Hillcrest Community Centre
• close to schools
• goal of LEED Gold certification

Designed with Precision
Marquise is a brilliant collection of 58 flawless residences designed with precision. Located in the centre of Cambie with unobstructed views of downtown and North Shore Mountains. Marquise is just steps from SkyTrain, the shops and restaurants of Cambie Village, and Queen ELizabeth Park.

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Pricing for Marquise
As this development is in pre-construction, pricing has not yet been finalized. Sign up to our VIP list above for priority access to Marquise updates.

Floor Plans for Marquise
Purchasers have a choice of 1- to 3-bedroom condominiums, ranging from 550 – 1,337 sq ft. or 2-bedroom, 1,009 sq ft townhomes. Contact me today to discuss availability and plans according to your needs.

Amenities at Marquise
Residents will enjoy the use of an interior courtyard and a shared rooftop space with superb views of the Vancouver skyline that includes a childrens play area, outdoor dining area with barbecue, and gardening beds. All ground floor homes come with private patios. Level 1 apartments facing the courtyard have a private deck. The laneway townhomes include both private patios and rooftop decks.

Parking and Storage
Marquise will provide residents with 66 vehicle and 85 bicycle parking spaces in two levels of underground. Additional storage space is also available underground.

Maintenance Fees at Marquise
TBD.

Developer Team for Marquise
Mission Group Enterprises is the parent company to a rich set of businesses united by common values. Headquartered in Kelowna, British Columbia, it focuses on residential and commercial real estate development, and construction. Mission Group Homes has completed several multi-family communities across southern British Columbia. Over the years, the company has received numerous Canadian Home Builders’ Association Tommie Awards including Multi-Family Builder of the Year in 2014, Built Green Builder of the Year in 2012, Outstanding Customer Service in 2012, 2010, and 2008, Townhome Community of the Year in 2010 and Building Company of the Year in 2007.

GBL Architects is a progressive Vancouver-based firm of 38 architects, project managers and technicians with a 25-year reputation of providing a full range of architectural services to the private and public sector. GBL design with the belief that form plays a vital role in defining experience through an ever-changing dynamic between sculptural artistry and social responsibility. To that end, they regularly practice green design through the LEED Canada Program.

Expected Completion for Marquise
TBD.

Are you interested in learning more about other homes in the Cambie Corridor, Mount Pleasant, or Southeast False Creek?

Check out these great Cambie Corridor Presales!

The post Marquise Vancouver on Cambie Corridor – Plans, Prices, Availability appeared first on Mike Stewart.

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Current Mortgage Rates for Thursday, October 26, 2017

Mortgage rates are continuing to move higher as the week progresses; however, the upward pressure is somewhat more mild today. The big news is the European Central Bank’s policy changes as well as the House of Representatives vote on the budget resolution. Read on for more details.

Where are mortgage rates going?                 

Rates move up              

Mortgage rates have been on the rise for about a week now based on several political and economic factors. Here are the numbers from the Freddie Mac Primary Mortgage Market Survey (PMMS) this week:

• The average rate on the 30-year fixed rate mortgage moved up six basis points to 3.94% (0.5 point)
• The average rate on the 15-year fixed rate mortgage went up six basis points to 3.25% (0.5 point)
• The average rate on the 5-year adjustable rate mortgage ticked up four basis points to 3.21% (0.4 point)

Tax Reform

An increase in market optimism about the chances for upcoming tax reform definitely had a hand in pushing rates higher. Last Thursday a budget resolution made its way through the Senate, which was a major step forward for tax reform.

[tmslink name = “rates”]

Today, the House of Representatives approved that same budget, albeit with a lot less ease than was first expected. The vote wound up being 216-212, as 20 Republicans wound up voting with the opposing Democrats.

The markets have already reacted favorably to the news, with bonds selling off as they did when the Senate approved the budget.

Get the GreenLight and close in 21 days* 

The yield on the 10-year Treasury note (which is the best market indicator of where mortgage rates are going) is up to 2.44%. Mortgage rates typically move in the same direction as the 10-year yield, so they’re dealing with some slight upward pressure today.

 

European Central Bank

The ECB met today to discuss monetary policy and, as expected, they reduced their bond-buying program by half down to 30 billion euros a month. Interestingly, though, the decision was far from unanimous with several officials preferring to keep the current program.

Rate/Float Recommendation              

Lock in your rate today

Mortgage rates have been trending higher for the past week and a half and are now at 3-month highs in the Freddie Mac PMMS. This is something that we’d been expecting for a while now.

Given that the long-term trend is still for rates to rise, we recommend that anyone who is looking to refinance or purchase in the near-term lock in their rate sooner rather than later. If you’ve got some time, you could think about floating and trying to get in on a downturn, but that’s a risky game to play.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                           

International Trade in Goods 

The nation’s trade deficit widened to $64.1 billion in September.

Jobless Claims 

Applications for U.S. unemployment benefits for the week of 10/26/17 came in at 233,000. That’s 2,000 below the consensus.

European Central Bank Meeting 

The ECB met today and cut their asset purchasing program in half.

Pending Home Sales Index 

Pending home sales were unchanged from the previous month in September. That’s below the expectation for a 0.4% increase.

Fedspeak 

Minneapolis Fed President Neel Kashkari at 10:30am.

Notable events this week:              

Monday:                    

• Nothing

Tuesday:   

• PMI Composite Flash

Wednesday:   

• Durable Goods Orders
• New Home Sales
• EIA Petroleum Status Report

Thursday:        

• International Trade in Goods
• Jobless Claims
• European Central Bank Meeting
• Pending Home Sales Index
• Fedspeak

Friday:     

• GDP
• Consumer Sentiment

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2iBxzv6

Current Mortgage Rates for Wednesday, October 25, 2017

Mortgage rates are continuing to move higher today. Positive economic data combined with the news surrounding the next Fed Chair are contributing to the rise. Tomorrow is a big day for the markets with the ECB meeting so we could see another change in rates at that time. Read on for more details.

Market Outlook 10.23.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?                 

Rates still moving higher              

Some positive economic data this morning is contributing to the continued upward push for Treasury yields.

The yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) is now up to 2.45%–it’s highest position in seven months. Mortgage rates typically move in the same direction as the 10-year yield and are similarly dealing with some upward pressure this week.

[tmslink name = “rates”]

Tomorrow we get the Freddie Mac Primary Mortgage Market Survey (PMMS) so we’ll see what kind of impact the bond sell-off this past week has had on the mortgage market as a whole.

We are also going to be dealing with the news out of the European Central Bank tomorrow as they hold a very important meeting on monetary policy.

The expectation is that they’ll make some sort of adjustment to their current bond-buying program. Analysts are calling for a reduction to 30-40 billion euros of assets purchased every month, down from 60 billion.

Get the GreenLight and close in 21 days* 

There will be a press conference with ECB President Mario Draghi immediately following the meeting. Financial market participants will be closely watching and we could certainly see a market reaction after a decision comes out.

Rate/Float Recommendation             

Lock in your rate today

Mortgage rates have been on the rise the past week. The good news is that they have a long ways to go before they get anywhere close to what would be considered high levels for 2017.

Still, we are recommending that borrowers lock a rate on a refinance or purchase sooner rather than later. If you’re not faced with an immediate decision, you could choose to float and try to get in on a dip–but that’s a risky game to play and it’s definitely not for everyone.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                          

Durable Goods Orders 

New orders came in over a fully point higher than the consensus for September at 2.2%, putting them at 8.3% year over year. Ex-transportation ticked up 0.7% in September, bringing them to 7.5% year over year. Core capital goods moved up 1.3% in September, making it 7.8% year over year. Overall, it’s a very strong durable goods report.

New Home Sales 

New Home Sales for September came in at an annualized rate of 667,000, which is well above the consensus for 555,000.

EIA Petroleum Status Report 

For the week of 10/20/17:

• Crude oil: -5.7 M barrels
• Gasoline: 0.9 M barrels
• Distillates: 0.5 M barrels

Notable events this week:            

Monday:                   

• Nothing

Tuesday:   

• PMI Composite Flash

Wednesday:   

• Durable Goods Orders
• New Home Sales
• EIA Petroleum Status Report

Thursday:        

• International Trade in Goods
• Jobless Claims
• European Central Bank Meeting
• Pending Home Sales Index
• Fedspeak

Friday:     

• GDP
• Consumer Sentiment

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2xneyiD

Current Mortgage Rates for Tuesday, October 24, 2017

Financial market participants are optimistic about tax cuts and the next Fed chair and it’s creating a risk-on scenario which is putting upward pressure on Treasury yields and mortgage rates.

There’s still a lot of week left with many opportunities for rates to adjust so anyone looking to buy a home or refinance should keep an eye out for changes in the market. Read on for more details.

Market Outlook 10.23.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?              

Investor optimism pushing rates higher 

It was somewhat of a slow start to the week yesterday with no significant economic data out. We did, however, see continued eagerness and optimism from the markets about tax reform and the next Fed chair.

[tmslink name = “rates”]

After the Senate pushed through a budget resolution bill last Thursday, it’s now up to the House to approve that budget this Thursday. Right now, it’s looking like it has a chance at passing, but it’s not entirely set in stone.

Regardless, the expectation that it will pass is bolstering investor optimism and allowing them to take on more risk. That translates to stocks over bonds, pushing Treasury yields higher. The yield on the 10-year Treasury note has moved up to 2.40%, which is its highest point since May.

Mortgage rates typically move in the same direction as the 10-year yield so we’re seeing some upward pressure in the beginning of the week. As stated, investors are also closely watching the situation surrounding the Federal Reserve.

With Janet Yellen’s term ending in February it’s up to President Trump to keep her around or find a new person for the job. There’s been a lot of chatter over the past week and a half about all of the potential candidates, and just yesterday Trump himself said that he is “very, very close” to a decision.

Get the GreenLight and close in 21 days* 

While Trump hasn’t completely ruled out another term for Yellen, word has come out that he is being advised to go with either Stanford Professor John Taylor or Fed Governor Jerome Powell. A decision is expected to be made before Trump heads to Asia on November 3.

What does this mean for me?             

Get a rate quote that means something

Mortgage rates are up a little from the start of the week but are still at very accommodating levels for anyone looking to purchase a home or refinance their current mortgage.

If you’ve been thinking about taking action it makes sense to get a custom rate quote that will let you know exactly where you stand. You can make this happen by calling one of our mortgage specialists or by taking a couple minutes to fill out our online form by following the link below.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                         

PMI Composite Flash

The PMI composite flash came in at 55.7 for October. Manufacturing came in at 54.5 and Services at 55.9. That’s an uptick from the previous readings and slightly better than what the consensus called for.

Notable events this week:            

Monday:                   

• Nothing

Tuesday:   

• PMI Composite Flash

Wednesday:   

• Durable Goods Orders
• New Home Sales
• EIA Petroleum Status Report

Thursday:        

• International Trade in Goods
• Jobless Claims
• European Central Bank Meeting
• Pending Home Sales Index
• Fedspeak

Friday:     

• GDP
• Consumer Sentiment

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2le7J19

3 Ways to Lessen the Stress During Your Toddler’s Bath Time

Content originally published and Shared from http://perfectbath.com

One of the day-to-day struggles of a parent is bathing a child who absolutely hates being in the water. Make bath time less problematic for both you and your baby by following these great tips:

Image Source: Flickr

Ease bath time worries
Lots of kids have legitimate anxieties about having water poured over their heads. If your children usually cry when you wash their hair, this could be an issue you need to be sensitive to. Make sure the water you’re using is a comfortable temperature, and always warn your kids before you start to pour it over their heads. Consider buying a bathtime visor (a special foam hat that protects your kids’ faces while you rinse their hair), which can help minimize the amount of water that gets into their eyes. Source: TheSpruce

Try new methods
There could be various reasons that your child dislikes bathing. For starters you can try changing his bathing time, maybe bathing time is disrupting his play-time or maybe he is just lazy at a particular time. You could try to switch positions in the bathroom, try a different corner instead of the regular one; your child could like a corner better and cooperate while bathing. You could even start bathing your child’s feet first and make your way upwards since many kids dislike washing their face or hair; you could do this in the end and save yourself some crying time. Source: BeingTheParent

Remember to have fun!
By far the best way to make bath time easy is to make it fun! Get some fun bath toys and play with them with your toddler. You can also sing bath time songs, talk to him or her, or just interact in any way you enjoy. Bath time can be fun for both parent and child, and there’s no better way to make any activity easy than by making it enjoyable! Source: MomTricks

We can help you pick a bathtub that your kid will enjoy. Call us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

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One Small Change I Made That Improved My Daily Mental State

Current Mortgage Rates for Monday, October 23, 2017

It’s a slow start to the week but things could certainly pick up over the next few days as news about tax cuts, the next Fed Chair, and the European Central Bank’s bond buying program comes out.

Mortgage rates could definitely experience some volatility but should stay at accommodating levels for borrowers. Read on for more details.

Where are mortgage rates going?              

Busy week could cause volatility 

Tax reform

Mortgage rates moved a little higher toward the end of last week thanks to a breath of fresh air into Trump’s tax reform plans.

That effort will continue this week as the budget bill that was approved by the Senate last Thursday now goes before the House of Representatives for a vote.

[tmslink name = “rates”]

Word broke over the weekend that President Trump made it very clear to House Republicans that he wants them to push it through so the focus can turn to tax reform. As we saw last week, the market responds favorably to any news that tips the scales toward upcoming tax cuts.

If the budget bill passes this week, another risk-on rally is likely to follow, which would move investors out of bonds and into stocks and bring mortgage rates higher.

Federal Reserve

Another story that picked up last week and is continuing this week is the race for the next Chair of the Federal Reserve. The current Fed Chair, Janet Yellen, will see her term expire in February and it’s up to Trump to reappoint her or nominate another candidate.

Trump stated in an interview over the weekend that he knows that the public consensus is that he will choose either Yellen, Stanford Economist John Taylor, or Fed Governor Jerome Powell.

Right now, financial market participants are leaning toward a Powell nomination but that decision is far from a sure thing.

Get the GreenLight and close in 21 days* 

Trump isn’t expected to make a decision for another week or so, but in the meantime, any news about the decision could cause a market reaction. Last Tuesday, we saw a slight risk-on rally after it seemed that John Taylor was the new front-runner.

That rally pulled back on Wednesday after the initial buzz subsided with Powell stepping into the spotlight.

European Central Bank

The ECB has an important meeting this Thursday. ECB President Mario Draghi is expected to announce a reduction to their bond purchasing program.

It’s going to be one of the most closely watched events of the week with the definite possibility of a market reaction once the final news breaks.

What does this mean for me?             

Find out what your rate would be

Mortgage rates could move around a little this week but we’re still expecting them to stay on the lower end of the spectrum for 2017. That means that right now is a great time to lock in a rate on a purchase or refinance.

If you want to get started and find out what your custom rate would be, you can call one of your mortgage specialists or quickly answer some questions in our Mortgage Builder.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                         

• It’s a slow start to the week with no significant economic data.

Notable events this week:            

Monday:                   

• Nothing

Tuesday:   

• PMI Composite Flash

Wednesday:   

• Durable Goods Orders
• New Home Sales
• EIA Petroleum Status Report

Thursday:        

• International Trade in Goods
• Jobless Claims
• European Central Bank Meeting
• Pending Home Sales Index
• Fedspeak

Friday:     

• GDP
• Consumer Sentiment

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2h1BSML

Campbell’s Gold Honey Farm and Meadery | Mr. Locksmith Abbotsford 604-200-8622

Campbell’s Gold Honey Farm and Meadery | Mr. Locksmith Abbotsford 604-200-8622

For further information go to Mr. Locksmith Abbotsford.

I wanted some local Honey for my tea and also wanted to try some Mead wine. Mead wine is an ancient “honey wine”, thought by many to have been the first alcoholic beverage made by man. Mead, the drink of the so-called “Age of Gold” in Greece, originated on the island of Crete and was known for its mystical properties. Referenced by the great philosopher Aristotle, mead was often produced by monks in Northern Europe, where grapes were scarce.

One the few places in Vancouver and the Lower Mainland is  Campbell’s Gold Honey Farm and Meadery and is located in southwest Abbotsford adjacent to Aldergrove south of the Fraser Hwy.

They had Mead Wine and Honey Tasting.  I really liked the Merry Mead and the Crofter’s Choice Mead wine. Also, I chose the Campbells Gold Floral – Des Fleurs Canada No 1- Dark Amber Honey. My Mead Wine is now in my Wine cabinet and I already had my first cup a tea and honey on this rainy day.  Tomorrow, Honey and Toast! Again, locally made in Abbotsford, BC.

Campbell’s Gold Honey Farm and Meadery

2595 Lefeuvre Road

Abbotsford, BC, Canada V4X 1L5

Phone: (604)856-2125

 

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Mr. Locksmith Abbotsford Aberdeen Local Honey

 

Call Mr. Locksmith Abbotsford for further information http://ift.tt/2yAExHn

or email: info@mrlocksmith.com

Mr. Locksmith Abbotsford 604-200-8622

Mr. Locksmith Main: (604) 239-0882

Mr. Locksmith Downtown Vancouver Keystore: (604) 669-8008

Mr. Locksmith Automotive: (604) 259-7617

For On-line and Hands-on Locksmith Training Dates and Cities near you by Terry Whin-Yates for Beginners, Intermediate, Advanced Locksmithing as well as my Covert Methods of Entry, Non-destructive Methods of Entry and to purchase the Famous “Dumb Key Force Tool” that opens Smart Key locks in seconds go to Mr. Locksmith Training

For Locksmith Franchise and Licensing Opportunities go to http://ift.tt/1Q6sOkb

The post Campbell’s Gold Honey Farm and Meadery | Mr. Locksmith Abbotsford 604-200-8622 appeared first on Mr Locksmith Abbotsford.

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Current Mortgage Rates for Friday, October 20, 2017

A major step toward Trump’s tax reform was taken last night as the senate passed a budget bill. That’s causing investors to move more out of bonds and into stocks, pushing treasury yields and mortgage rates higher as we head into the weekend. Read on for more details.

Where are mortgage rates going?               

Rates fall 

Lawmakers in D.C. passed a budget bill last night that is being seen as a strong first step to reforming taxes in the U.S. This has created a clear risk-on sentiment in the markets with investors moving out of the perceived safety of government bonds and into riskier assets like stocks.

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The yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) has moved about six basis points higher today up to 2.38%. That’s almost ten basis points higher than where it started the day. Typically, mortgage rates move in the same direction as the 10-year yield, so rates are dealing with some upward pressure this morning.

While rates are moving higher today, we did see in the Freddie Mac Primary Mortgage Market Survey yesterday that rates fell from the previous week. The average rate on the most popular mortgage–the 30-year fixed rate–came in at 3.88%, which is not far off from the year low.

Get the GreenLight and close in 21 days* 

The other big story this week that investors are still closely watching is the race for the next Fed Chair. Current Fed Chair Janet Yellen will see her term expire in February and it’s up to President Trump to reappoint her or choose a new leader for the nation’s central bank. As it stands, it’s not looking good for Yellen, with the most recent reports showing that Fed Governor Jerome Powell as the front runner.

Powell is kind of the best of both worlds, as his similarities to Yellen should make him a shoe-in during the Senate confirmation, while his slight differences on regulation and monetary policy lean more toward Trump’s liking.

What does this mean for me?               

Great time to lock in a rate

Mortgage rates are moving higher but are still on the lower end of the spectrum for 2017. If you’re thinking about purchasing a new home or refinancing your current mortgage, there are plenty of opportunities to get a great deal right now.

One of the best places to start is to find out what your custom rate would be, which you can do by calling one of our mortgage specialists or by filling out a quick from with our Mortgage Builder.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                         

Existing Home Sales

Existing Home Sales came in at 5.390 M for September. That’s a monthly change of 0.7%, putting the year over year change at -1.5%.

Fedspeak

Fed Chair Janet Yellen will speak at 7:30pm.

Notable events this week:            

Monday:                   

• Empire State Mfg Survey
• Fedspeak

Tuesday:   

• Import and Export Prices
• Industrial Production
• Housing Market Index

Wednesday:   

• Fedspeak
• Housing Starts
• EIA Petroleum Status Report
• Beige Book

Thursday:        

• Jobless Claims
• Philly Fed Business Outlook Survey

Friday:     

• Existing Home Sales
• Fedspeak

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2yxlVYw

BST&N’s 2017-8 Boston Celtics Preview

  Last season’s record: 53-29 Season win total: 55.5 Projected win total: 52 Players that return: Al Horford, Marcus Smart, Jaylen Brown and Terry Rozier. New players: Gordon Hayward (Jazz), Kyrie Irving (Cavaliers), Jayson Tatum (Duke), Aron Baynes (Pistons), Marcus Morris (Pistons), Shane Larkin (Baskonia), Kadeem Allen (Arizona), Jabari Bird (California), Abdel Nader (Maine Red [...]

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Current Mortgage Rates for Thursday, October 19, 2017

It’s good news today for anyone looking to purchase a home or refinance their current mortgage as mortgage rates are moving lower. Geopolitical events across the pond are partly to blame, so there’s no telling how long rates will stay down. That means that borrowers should consider taking action to get in on the dip. Read on for more details.

Where are mortgage rates going?            

Rates fall 

The Freddie Mac Primary Mortgage Market Survey (PMMS) came out this morning and showed that rates fell from last week. Here are the numbers:

• The average rate on a 30-year fixed rate mortgage fell three basis points to 3.88% (0.5 point)
• The average rate on a 15-year fixed rate mortgage fell two basis points to 3.19% (0.5 point)
• The average rate on a 5-year adjustable rate mortgage ticked up one basis point to 3.17% (0.4 point)

This week’s survey snapped two straight week of increases for rates. It’s important to note that the data for the survey is collected early on in the week and therefore doesn’t necessarily reflect current market conditions.

[tmslink name = “rates”]

In this case, that means that average mortgage rates are even a little lower than what the survey shows, as rates have improved today. That’s in part to the resurfaced tensions in Spain with Prime Minister Mariano Rajoy making his firmest move yet with an ultimatum stating that if the Catalan government doesn’t dissolve their current plans, the region’s autonomy will be revoked.

The current Fed chair, Janet Yellen, will see her term expire in February and it’s up to President Trump to nominate another candidate. It’s clearly a huge decision that will have a marked impact on the economy.

Get the GreenLight and close in 21 days* 

Trump has been meeting with potential candidates recently and investors have started to react this week. Notably, there were some jitters on Tuesday as the news broke that he was seriously considering Stanford Economics Professor (and monetary policy hawk) John Taylor.

Those fears were somewhat tempered on Wednesday but it’s clear that the situation now has the full attention of the markets. Today, Trump meets with Yellen in the White House in what is no doubt her interview for the job.

Mortgage rates are still expected to rise in the long-term, no matter who gets tapped as the next Fed chair, but we could see some turbulence over the next few weeks as the decision is made.

What does this mean for me?             

Great time to lock in a rate

With mortgage rates moving lower this week right now is a great time to lock in a rate on a purchase or refinance. We do think that rates will trend higher in the long-term so we’re recommending that borrowers act sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                         

Jobless Claims 

Jobless claims for the week of 10/19/17 came in at 222,000. That’s a big drop from last week’s reading of 244,000 and points toward a return to normal after the hurricanes. The 4-week moving average is now 248,250.

Philly Fed Business Outlook Survey 

The Philly Fed Business Outlook Survey moved up to 27.9 for October.

Notable events this week:            

Monday:                   

• Empire State Mfg Survey
• Fedspeak

Tuesday:   

• Import and Export Prices
• Industrial Production
• Housing Market Index

Wednesday:   

• Fedspeak
• Housing Starts
• EIA Petroleum Status Report
• Beige Book

Thursday:        

• Jobless Claims
• Philly Fed Business Outlook Survey

Friday:     

• Existing Home Sales
• Fedspeak

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2yzSVi9

Current Mortgage Rates for Wednesday, October 18, 2017

The race over the next Fed chair is continuing to make waves in the markets. Yesterday, concern that Stanford Professor John Taylor was a front-runner pushed investors into bonds, causing rates to fall. Today we’re seeing a reversal of that trend as those fears are tempering. Read on for more details.

Market Outlook 10.16.17 from Total Mortgage on Vimeo.

Where are mortgage rates going?           

Fed in focus

The Federal Reserve is in full focus this morning as investors continue to their speculation on the next Fed Chair. It’s up to President Trump to nominate someone and at this point, it’s widely believed that even he doesn’t know who he will choose yet.

[tmslink name = “rates”]

There’s no concrete timeline for when Trump will make a decision, either. The earliest it would likely happen would be next week, but it could also take him until early November to make an announcement.

Trump has been meeting with potential candidates over the past couple of weeks, and is scheduled to sit down with current Fed Chair Janet Yellen (whose term ends in February) tomorrow. While the two have definitely had their differences (Trump accusing Yellen of keeping rates low during the president election campaign) it’s not entirely out of the question that he renominates her.

There’s no doubt that that decision would ruffle some political feathers, as his conservative base would much rather a new, fresh face (and someone who wasn’t appointed by a Democrat), but Trump has stated that he’s a low interest rate guy and it’s clear from her actions that Yellen shares a similar sentiment.

Get the GreenLight and close in 21 days* 

On the other side of the table is Stanford economist John Taylor (famous for his Taylor Rule) who would certainly be in favor of a much tighter monetary plan. News that Trump was warming up to Taylor spooked the markets yesterday, but that frenzy has scaled back today as investors take a more steadied approach.

The takeaway here is that who President Trump nominates will have a clear effect on the markets, which in turn will impact mortgage rates. Over the next few weeks, as financial market participants grapple with various front-runners for the job, it’s likely that we will see more mini-events in the market like yesterday.

What does this mean for me?           

Rates still at low levels for 2017

Mortgage rates have remained mostly flat this week, keeping them near some of the lowest levels of the year. If you’ve been considering a purchase or refinance, right now is a great time to take action. It does seem as though rates are going to rise over the long-term, so we’re recommending that borrowers act sooner rather than later.

Click here to head to our Mortgage Builder and figure out how much you could save. 

Today’s economic data:                       

Fedspeak 

• New York Fed President William Dudley at 8:00am
• Dallas Fed President Robert Kaplan at 8:00am

Housing Starts 

Housing Starts for September came in at 1.127 M. Permits came in at 1.215 M.

EIA Petroleum Status Report 

For the week of 10/13/17:

• Crude oil: -5.7 M barrels
• Gasoline: 0.9 M barrels
• Distillates: 0.5 M barrels

Beige Book 

The Federal Reserve’s Beige Book will be released at 2:00pm. It contains various anecdotes about how the economy is performing in the different Fed regions. Investors will note what is happening in it but it’s by no means a significant market moving report.

Notable events this week:            

Monday:                   

• Empire State Mfg Survey
• Fedspeak

Tuesday:   

• Import and Export Prices
• Industrial Production
• Housing Market Index

Wednesday:   

• Fedspeak
• Housing Starts
• EIA Petroleum Status Report
• Beige Book

Thursday:        

• Jobless Claims
• Philly Fed Business Outlook Survey

Friday:     

• Existing Home Sales
• Fedspeak

Rates are still near 2017 lows. Contact us today to see if we can save you money on your home payments.    

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2ystBLC

King George Hub at the Stations – Availability, Plans, Prices

At a Glance

• located next to King George Skytrain station
• 39-storey mixed-use building
• 434 x 1- & 2-bedroom condominiums
• more than 25,000 sq ft of amenity space
• part of master planned community
• local shopping, service, dining
• large public plaza
• Holland Park across the street

A Hub of Activity
King George Hub is a landmark, mixed-use development that will further transform the rapidly evolving downtown core of Surrey – British Columbia’s second largest city. Directly adjacent to the Expo Line’s King George Station and two proposed light rail train stations connecting to Newton and Langley City Centre, King George Hub will provide over 760,000 sq ft of LEED Gold, transit-oriented office and retail space in multiple phases, as well as approximately 1.2 million sq ft of residential space. At the connection point of up to three rapid transit lines, the Hub at King George Station will become a vibrant focal point of pedestrian activity supported by walkable retail and services, plentiful offices, a growing population of nearby residents, and public gathering spaces for the local community.

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Phase B of King George Hub is a mixed-use development featuring two residential towers with a total of 735 homes, a 140,000 sq ft office tower, and a 100,000 sq ft podium of vibrant retail along a pedestrian High Street, public art, and plaza space. Launching this fall for pre-sales, the first tower will be 39 storeys with 434 1-bedroom and 2-bedroom homes. Residents will enjoy over 20,000 square feet of private indoor and outdoor amenity space, along with direct access to transit and Holland Park across the street.

Pricing for King George Hub
Homes from $299,900. Sign up to our VIP list above for priority updates.

Floor Plans for King George Hub

The unit mix for King George Hub at the Stations will be as follows:

• 266 x 1-bedrooms from 429 – 513 sq ft
• 15 x junior 2-bedrooms from 622 – 766 sq ft
• 153 x 2-bedrooms from 784 – 820 sq ft

As this property is part of a transit-oriented, complete community, sales are expected to be brisk. Contact me today to consider availability, plans, and pricing.

King George Hub Interiors

The homes at King George Hub boast integrated fridges and dishwashers, induction cook tops, tiled shower bases in the 2-bedroom en suites, quartz countertops, wood-look porcelain tile on the bathroom feature walls, and laminate hardwood flooring throughout.

Amenities at King George Hub
King George Hub will offer 8,393 sq ft of indoor and 20,082 sq ft of outdoor amenity space on the second floor. Indoor amenities will include a large games room and two lounges with banquette seating, bar top and two distinct seating areas; a theatre room; a private dining room for up to 10 people with cooktop and full-sized fridge; a social lounge with large seating area and fireplace; and a large fitness centre and yoga studio. The outdoor amenity area will consist of outdoor seating, a barbecue area, and an outdoor childrens play area.

Parking and Storage
The King George Hub development will have a three-level underground, inter-connected parkade to provide commercial, residential, and retail vehicle and bicycle parking for all five of its blocks.

Maintenance Fees at King George Hub
TBA.

Developer Team for King George Hub
PCI is a Vancouver-based developer of complete urban communities: Marine Gateway on Cambie and Marine Drive, Crossroads at Cambie and Broadway, 858 Beatty in Yaletown, Infinity in Downtown Vancouver, 388 Kaslo in Hastings Sunrise, 565 Great Northern Way and now King George HUB in Surrey City Centre. Guided by core values of integrity, discipline, vision and innovation for the past 35 years, PCI continues to change and re-energize every neighbourhood with their body of work.

Founded in 1965, Vancouver-based Musson Cattell Mackey Partnership has grown to become one of British Columbia’s most respected architectural practices with over 60 staff. The firm’s approach as a team player combines a strong design orientation with a depth of solid expertise in programming, master-planning, interior design, functional planning, construction methods, cost control, local code requirements, contract administration, sustainable building, integration of technology, and various methods of project delivery.

BYU Design has been chosen to bring life to the interiors of King George Hub at the Stations. Vancouver-based BYU Design was founded in 2003. They have earned a reputation as one of the most trusted, accomplished, and inspired design firms in the city. BYU Design adapts their work to the unique needs of every client, and translates the initial vision into an optimal end-user experience.

Expected Completion for King George Hub
Sales start October 21, 2017. Completion is expected in 2021.

Are you interested in learning more about other homes in Surrey, Coquitlam, or Burnaby?

Check out these great Burnaby Presales!

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