Current Mortgage Rates Finish Down on the Week

Financial markets are not open today as they’ve shut their doors for Good Friday. It’s positive news for borrowers today, though, as mortgage rates have improved this week.

This makes right now a great time for anyone looking to refinance their current mortgage or purchase a new home to lock in a rate. Read on for more details.

Where are mortgage rates going?                                                   

Mortgage rates wind up lower on the week

Financial markets are closed today for Good Friday so the week is already wrapped up as far as the bond market and mortgage rates are concerned.

The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, is currently sitting at 2.73%. That’s down about eleven basis points from the week’s high.

Mortgage rates typically move in the same direction as the 10-year yield, and similarly finished the week lower than where they started. It was more trade uncertainty and a hit to tech stocks that sent investors on a flight to safety into the bond market, pushing down yields.

This is the lowest that the 10-year yield has been at since early February. It comes somewhat unexpectedly after we got a positive outlook on the economy from the Federal Reserve last week.

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Rate/Float Recommendation                            

Lock now while rates are down 

Mortgage rates have improved on the week. That’s not something we’ve been able to say very often this year.

Long-term, rates are still expected to move higher so if you’re considering a purchase or refinance, your best bet is likely to take action sooner rather than later.

All it takes is a few minutes online or a quick phone call to get a free rate quote.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:                                      

Markets Closed for Good Friday 

• Financial markets are closed

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Notable events this week:                

Monday: 

• Chicago Fed National Activity Index
• Dallas Fed Mfg Survey
• Fedspeak

Tuesday:    

• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• Fedspeak

Wednesday:      

• GDP
• International Trade in Goods
• Pending Home Sales Index
• EIA Petroleum Status Report
• Fedspeak

Thursday:        

• Jobless Claims
• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Friday:       

• Markets Closed for Good Friday

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*Terms and conditions apply.

from Total Mortgage Blog https://ift.tt/2pQsuzR

Current Mortgage Rates Stay Down on Thursday

Mortgage rates are on track to finish out the short trading week (markets closed for Good Friday). This is great news for anyone looking to buy a home or refinance they current mortgage. It only takes a few minutes online or a quick phone call to get started. Read on for more details.

Where are mortgage rates going?                                                   

Mortgage rates remain low on the week

It’s been one of those weeks in the market where you take a minute and ponder how futile it can be to project where mortgage rates will move.

With last week’s Fed outlook propping up the U.S. economy and signaling to investors that maybe they will raise rates at a faster pace than expected, a reasonable thought would be that stocks will rise this week, pushing mortgage rates higher.

But alas, that did not unfold. Instead, we’ve gotten a retreat from stocks into the perceived safety of government bonds, putting downward pressure on mortgage rates. Tech stocks have been the main target for losses this week due to a variety of reasons.

Here are the numbers from the Freddie Mac Primary Mortgage Market Survey (PMMS):

• The average rate on a 30-year fixed rate mortgage moved down one basis point to 4.44% (0.5 points)
• The average rate on a 15-year fixed rate mortgage ticked down one basis point to 3.90% (0.5 points)
• The average rate on a 5/1 year adjustable rate mortgage went down two basis points to 3.66% (0.4 points)

Here is what the Freddie Mac Economic and Housing Research Group had to say about mortgage rates this week:

“Treasury yields fell from a week ago helping to drive mortgage rates modestly lower. The yield on the 10-year Treasury dipped below 2.8 percent for the first time since early February of this year. The decline in Treasury yields comes as investors move into safer assets amid increased trade tensions. Following Treasurys, mortgage rates fell slightly. The U.S. weekly average 30-year fixed mortgage rate fell 1 basis point to 4.44 percent in this week’s survey.”

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Rate/Float Recommendation                            

Lock now while rates are down 

Mortgage rates seem as though they could stay within a relatively narrow range for an extended amount of time now, but long-term we believe that they will rise considerably.

This means that the longer you hold out on locking your rate, the greater the chance that you will end up paying more on a purchase or refinance. So if you’re considering buying a new home or refinancing your current mortgage, our recommendation is to lock in sooner rather than later.

Learn what you can do to get the best interest rate possible.  

Today’s economic data:                                      

Jobless Claims  

Jobless claims for the week of 3/24/18 came in at 215,000. That’s down from the prior week’s level of 229,000. The 4-week moving average is now at 224,500.

Personal Income and Outlays   

Personal income increased 0.4% in February. Consumer spending ticked up 0.2%. The PCE Price Index rose 0.2%, putting it at 1.8% year over year. The Core PCE Price Index went up 0.2%, month over month, bringing it to 1.6% year over year.

Chicago PMI  

Chicago PMI hit a 57.4 in March. That’s unexpectedly lower than both the prior reading of 61.9 and the consensus for 62.8.

Consumer Sentiment   

Consumer sentiment in March came in at 101.4. That’s slightly below the mark of 102.0 that analysts had projected.

Fedspeak   

Philadelphia Fed President Patrick Harker at 1:00pm.

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Notable events this week:                

Monday: 

• Chicago Fed National Activity Index
• Dallas Fed Mfg Survey
• Fedspeak

Tuesday:    

• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• Fedspeak

Wednesday:      

• GDP
• International Trade in Goods
• Pending Home Sales Index
• EIA Petroleum Status Report
• Fedspeak

Thursday:        

• Jobless Claims
• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Friday:       

• Markets Closed for Good Friday

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*Terms and conditions apply.

from Total Mortgage Blog https://ift.tt/2pQtraV

Current Mortgage Rates Fall for Second Straight Day

Mortgage rates are moving lower today. Financial market participants continue to sell off stocks and buy bonds, which is contributing to the push lower for rates.

If you’re considering buying a home or refinancing your current mortgage, we strongly recommend that you consider locking in a rate right now. Read on for more details.

Where are mortgage rates going?                                                  

Mortgage rates continue to improve – great time to lock

The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, has fallen almost ten basis points since the start of the week, currently sitting at 2.76%.

That’s below the significant psychological threshold of 2.80%. What’s been causing the stock sell-off and subsequent bond purchasing? Investors continue to worry about trade concerns, specifically how certain arrangements will affect the tech sector.

With market participants getting the jitters, we’re seeing a flight to safety toward government bonds. Mortgage rates typically move in the same direction as the 10-year yield.

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Rate/Float Recommendation                            

Lock now while rates are down 

Mortgage rates have fallen the past two days. The fall has come unexpectedly and provides a great opportunity for anyone looking to purchase a home or refinance their current mortgage to lock in a lower rate.

Long-term, mortgage rates are still widely expected to higher as the year unfolds, so the better deals are likely to go to borrowers that take action sooner rather than later.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                      

GDP 

The third estimate for fourth-quarter GDP came in at 2.9%. That’s up four tenths from the prior reading. The GDP price index was unchanged at 2.3%. Real consumer spending is up two tenths to 4.0%.

International Trade in Goods 

The nation’s trade deficit was expected to improve in February but that wasn’t the case, as it widened slightly to $75.4 billion.

Pending Home Sales Index 

The pending home sales index came in at 3.1% for February. That’s a positive step after the 4.7% decline the prior month.

EIA Petroleum Status Report 

• 10:30am

Fedspeak 

Atlanta Fed President Raphael Bostic at 11:30am.

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Notable events this week:                

Monday: 

• Chicago Fed National Activity Index
• Dallas Fed Mfg Survey
• Fedspeak

Tuesday:    

• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• Fedspeak

Wednesday:      

• GDP
• International Trade in Goods
• Pending Home Sales Index
• EIA Petroleum Status Report
• Fedspeak

Thursday:        

• Jobless Claims
• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Friday:       

• Markets Closed for Good Friday

[contentbox id=”3″]

*Terms and conditions apply.

from Total Mortgage Blog https://ift.tt/2GeXZ0W

Current Mortgage Rates Improve on Tuesday

Mortgage rates are improving a little today as government bond yields slide lower. Rates are still expected to move higher as we march through 2018 so our recommendation remains for borrowers to take action on a purchase or refinance soon. It only takes a quick phone call or a few minutes online to get started. Read on for more details.

Market Outlook 3.26.18 from Total Mortgage on Vimeo.

Where are mortgage rates going?                                                  

Mortgage rates improve

Bond yields are moving a little lower today, bringing with them mortgage rates. The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, is down almost four basis points to 2.82%. Mortgage rates typically move in the same direction as the 10-year yield.

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Rate/Float Recommendation                           

Lock now before rates get higher 

The outlook for 2018 remains for mortgage rates to move higher. This means that borrowers who take action sooner rather than later are more likely to get the better deal on a purchase or refinance.

Everyone has unique circumstances that affect what they should do, which is why it’s so important to talk to experienced professionals about what you should do. Give us a call or shoot us a message today and let’s talk about your options.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                      

S&P Corelogic Case-Shiller HPI

• The 20-city seasonally adjusted index moved up 0.8% in January. The non-seasonally adjusted index crept up 0.3%, month over month, putting it at 6.4%, year over year.

Consumer Confidence  

• Consumer confidence hit 127.7 in March. That’s lower than the prior reading but still a solid number.

Richmond Fed Manufacturing Index 

• The Richmond Fed Mfg Index hit a 15 in March.

Fedspeak 

• Atlanta Fed President Raphael Bostic at 11:00am.

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Notable events this week:                

Monday: 

• Chicago Fed National Activity Index
• Dallas Fed Mfg Survey
• Fedspeak

Tuesday:    

• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• Fedspeak

Wednesday:      

• GDP
• International Trade in Goods
• Pending Home Sales Index
• EIA Petroleum Status Report
• Fedspeak

Thursday:        

• Jobless Claims
• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Friday:       

• Markets Closed for Good Friday

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*Terms and conditions apply.

from Total Mortgage Blog https://ift.tt/2pMEamv

Bathroom Safety Tips to Keep in Mind

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

Bathroom Safety Tips

 

Your bathroom is a workhorse in the house and it’s also a space where we can retreat for a relaxing spa-like session in the evening.  It can be one of the only quiet spaces in a household with few people!  It’s also a place where, for a variety of reasons, safety might be an issue.  It pays to be aware of hazards in your bathroom and how to prevent injuries.

1. Keep electrical grooming tools away from water. This is a big one, and we often see it ridiculed in comedies, but electrocution is no laughing matter.  Don’t use your hairdryer, electric razors, or other styling tools anywhere where there’s a chance you’ll drop them in water and find yourself at risk for a shock.
2. Make sure that bath mats are secure against the floor. Bath mats are wonderful to step out onto after you’ve showered or bathed, but they can also offer a slipping or tripping hazard.  The best mats have a rubberized bottom so that they won’t slip and end in a bad fall.
3. While showering you’ve no doubt noticed that the tub can become very slippery. A great idea is to invest in a rubberized anti-slip mat for inside the tub.  Some of them even come with suction cups on the bottom.  You can either leave it in place if everyone showers, or drape it over the tub to dry if there’s a chance someone will be having a bath instead.
4. Wall handles on the tub are also a great idea, especially if your household incorporates little ones or seniors. This can help not only to prevent a slip but also to help people with limited mobility in and out of the bathtub.  In serious cases of limited mobility, it’s also a great idea to have a handle installed by the toilet.
5. It’s not nice to think about anyone walking in on you when you’re using the bathroom, and most of them have locks on the doors. If you have children, however, you might want to rethink this when they’re small – especially before they’re school aged.  A small child can get into a lot of trouble behind a locked door and they might not be aware of how to unlock it.
6. Keep sharp objects tucked away in a high, safe location. This can include razors, nail clippers, or tweezers.  It’s best to keep these objects hidden from sight from young children who may hurt themselves trying to use them.
7. Keep your light bulbs changed. There are so many obstacles and hard surfaces in a bathroom that a fall can become disastrous.  Lighting is key, so you’ll want to ensure that burnt out bulbs are replaced quickly, and that the lighting you have is in a good location to light up any potential hazards.

The inevitable, of course, happens no matter how safety conscious we are. However, with a little foresight and a keen eye for potential hazards, your bathroom can be made a lot safer.

 

This article was written by Katie from Steam Shower Store. Katie has been writing articles for over 10 years and is a commanding voice in the health and fitness community with her articles high in demand.

The post Bathroom Safety Tips to Keep in Mind appeared first on Perfect Bath Canada.

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Current Mortgage Rates Flat to Start the Week

It’s another busy week on tap for the U.S. markets. Mortgage rates are moving sideways right now but that could certainly change over the next few days as we get a number of economic reports and hear from some Fed officials. Read on for more details.

Where are mortgage rates going?                                               

Trade tension eases slightly ahead of another busy week

Here we go with another busy week. It’s a short one, too, with the markets closed at the end of the week for Good Friday.

We’ve got a handful of notable economic reports out for release this week such as, consumer confidence, Case-Shiller house price index, GDP, personal income and spending, core PCE and Chicago PMI.

Financial market participants will be keeping an eye on these reports and could certainly make some changes to their portfolios depending on what the data says.

We will also be hearing from several Fed officials this week. It will be interesting to see what type of position many of them take and how they move forward after last week’s decision to raise the federal funds rate by a quarter-point.

Right now, mortgage rates aren’t doing a whole lot. The yield on the 10-year Treasury note is holding steady at 2.83%. Mortgage rates typically move in the same direction as the 10-year yield.

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Rate/Float Recommendation                           

Lock now before rates get higher 

It’s a busy week so there’s definitely the possibility for mortgage rates to bounce around a little. Long-term rates are expected to move steadily higher. It makes sense, then, for most borrowers to lock in a rate as soon as possible.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                      

Chicago Fed National Activity Index 

The Chicago Fed National Activity Index jumped up from 0.02 in January to 0.88 in February. That brings the 3-month moving average up to 0.37.

Dallas Fed Mfg Survey 

As expected, production softened from the prior reading, as did general activity.

Fedspeak 

• New York Fed President William Dudley at 12:30pm
• Cleveland Fed President Loretta Mester at 4:30pm
• Fed Vice Chairman Randal Quarles at 7:10pm

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Notable events this week:                

Monday: 

• Chicago Fed National Activity Index
• Dallas Fed Mfg Survey
• Fedspeak

Tuesday:    

• S&P Corelogic Case-Shiller HPI
• Consumer Confidence
• Richmond Fed Manufacturing Index
• Fedspeak

Wednesday:      

• GDP
• International Trade in Goods
• Pending Home Sales Index
• EIA Petroleum Status Report
• Fedspeak

Thursday:        

• Jobless Claims
• Personal Income and Outlays
• Chicago PMI
• Consumer Sentiment
• Fedspeak

Friday:       

• Markets Closed for Good Friday

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*Terms and conditions apply.

from Total Mortgage Blog https://ift.tt/2pFYJBS

Current Mortgage Rates Finish Lower on the Week

Mortgage rates are on track to finish the week lower from where they started. Trade war concerns yesterday were the major driver of rates this week, despite the fact that we had an FOMC meeting on Wednesday that bumped up the federal funds rate. Read on for more details.

Where are mortgage rates going?                                            

Rates on track to finish down on the week

On Monday, we knew that there was the potential for it to be a busy week. That’s what we got with the big market reactions happening on Wednesday and Thursday. Wednesday was, of course, the final day of the Federal Open Market Committee’s monetary policy meeting.

As expected, they raised the nation’s benchmark interest rate–the federal funds rate–by a quarter basis point, bringing the target range up to 1.50%-1.75%.

The more notable shift for investors was the fact that the number of FOMC members that believed a more aggressive rate hike path will be necessary down the road increased.

This caused more money to go into stocks and out of bonds, pushing up Treasury yields. The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, moved up several basis points in afternoon trading on Wednesday.

The rise was short-lived, however, as trade war concerns on Thursday immediately caused a market reversal, sending the 10-year yield down ten basis points from its high on the previous day. Today, Treasury yields are basically flat.

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Rate/Float Recommendation                          

Lock now while rates are lower

Right now is a great time to take action on a purchase or refinance. Mortgage rates are lower on the week, which is something that we haven’t been able to say many times in 2018.

With the Fed on track to continue raising rates throughout the year, mortgage rates will also gradually increase. Given this expectation, we strongly believe that most borrowers will be better off locking in a rate sooner rather than later.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                    

Fedspeak

• Atlanta Fed President Raphael Bostic at 8:10am
• Minneapolis Fed President Neel Kashkari at 10:30am
• Dallas Fed President Robert Kaplan at 11:30am

Durable Goods 

A strong durable goods report for February is out this morning. New orders are up 3.1% from the prior month, putting them up 8.9% year over year.

New Home Sales

New Home Sales came in at an annualized rate of 618,000 for February.

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Notable events this week:                

Monday: 

• Fedspeak

Tuesday:    

• FOMC Meeting Begins

Wednesday:      

• Existing Home Sales
• EIA Petroleum Status Report
• FOMC Meeting Announcement and Press Conference

Thursday:        

• Jobless Claims
• FHFA House Price Index
• PMI Composite Flash

Friday:       

• Fedspeak
• Durable Goods
• New Home Sales

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*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2G2ybRv

The Bruins’ Diehard Playoff Video Is Wicked Pissah Kid (VIDEO)

There is NOTHING better than Bruins Playoff hockey dude. NOTHING! I can’t wait to go with the boys every other night, sip on some crafties and cheer for the Black & Gold. I could be any of combination of the Diehards depicted in this wicked pissah video… It’s playoff time. Diehards unite. #InOurBlood pic.twitter.com/rnL8R5EuK3 — [...]

The post The Bruins’ Diehard Playoff Video Is Wicked Pissah Kid (VIDEO) appeared first on Boston Sports Then & Now.

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Fresh Trade War Concerns Push Current Mortgage Rates Lower

After rising yesterday, mortgage rates are on the decline today due to increased trade tensions between China and the U.S. President Trump is expected to reveal tariffs on a variety of Chinese imports later today and the expectation is for China to respond with their own tariffs. Read on for more details.

Where are mortgage rates going?                                           

Rates fall on trade war concerns

The big news yesterday was the Federal Reserve raising the nation’s benchmark interest rate–the federal funds rate–by a quarter basis point up to 1.50%-1.75%.

The Fed also reiterated their position that a total of three rate hikes in 2018 will be necessary, and even more notable was the fact that the number of FOMC members that felt four rate hikes are needed crept up from the prior meeting’s four to seven.

Financial market participants had been largely anticipating a somewhat more cautious tone from the Fed, and while that did happen, the increase in aggressive sentiment is what investors were most moved by.

We saw the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are going) move up during early trading yesterday ahead of the announcement and those levels were held for most of the day once the news broke.

The yield did retreat by a couple basis points but still held close to a one month high. That brings us to today, when the 10-year yield is down about eight basis points to 2.80%. That’s a full tenth of a point lower from yesterday’s high of 2.90%.

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Rate/Float Recommendation                          

Lock now while rates are down

Mortgage rates are way down today. It’s certainly been a roller-coaster ride the past 24 hours for anyone who has been following along with the news-cycle.

With rates down, right now is the perfect time to lock in a rate on a purchase or refinance. It only takes a couple minutes online to get started or a quick phone call to a loan officer to find out what your options are.

As the Fed made clear yesterday, interest rates, and subsequently, mortgage rates are going to rise throughout 2018. This means that anyone looking to buy or refinance will likely get the better deal by locking in a rate sooner rather than later.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                    

Jobless Claims 

Applications for U.S. unemployment benefits ticked up to 229,000 for the week of 3/17/18.

FHFA House Price Index 

The FHFA House Price Index moved up 0.8% in January. That puts the year over year change at 7.3%.

PMI Composite Flash 

Manufacturing PMI ticked up to 55.7 in March. Services moved a little lower down to 54.1, and the composite reading also moved lower to 54.3. Overall, it’s not quite as strong a report as analysts had expected.

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Notable events this week:                

Monday: 

• Fedspeak

Tuesday:    

• FOMC Meeting Begins

Wednesday:      

• Existing Home Sales
• EIA Petroleum Status Report
• FOMC Meeting Announcement and Press Conference

Thursday:        

• Jobless Claims
• FHFA House Price Index
• PMI Composite Flash

Friday:       

• Fedspeak
• Durable Goods
• New Home Sales

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*Terms and conditions apply.

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

Marcus Smart’s 2018 Bowling Bash Was A Total Slam Dunk

  The BST&N crew was able to attend Celtics guard Marcus Smart’s Annual Bowling Bash at Kings Bowl Seaport on March 19th. The event raises funds for Smart’s YounGameChanger Foundation, which provides encouragement and life-changing experiences for families with chronically ill children.   The event was hosted by Kyle Draper and sponsored by Beasley Media [...]

The post Marcus Smart’s 2018 Bowling Bash Was A Total Slam Dunk appeared first on Boston Sports Then & Now.

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Current Mortgage Rates Rise Ahead of Fed Decision

Today is all about the Federal Reserve. Their two-day FOMC meeting wraps up today and we could see mortgage rates adjust when they release their written statement at 2:00pm. It’s important for anyone thinking about buying a home or refinancing their current mortgage to tune in and see what happens. Read on for more details.

Market Outlook 3.19.18 from Total Mortgage on Vimeo.

Where are mortgage rates going?                                           

All eyes on the Fed – rates could adjust this afternoon

The Federal Reserve is front and center today for financial market participants as it’s the final day of their Federal Open Market Committee meeting. The meeting will formally conclude this afternoon at 2:00pm with the release of a written statement outlining their current monetary policy outlook.

It has been widely anticipated for a couple months now by investors and analysts alike that the Fed will decide to raise the nation’s benchmark interest rate–the federal funds rate–by a quarter point, bringing the target range up to 1.50%-1.75%.

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Since the markets have already priced this decision in, we won’t see an immediate jump higher for rates once it’s finally written in stone. However, that is not the only thing that investors will be looking for at today’s meeting.

What everyone really wants to learn from this meeting is how the Fed feels about more rate hikes in 2018. Over the past few months we’ve gotten a variety of pundits debating whether or not the Fed will take a more aggressive or cautious approach throughout the year.

For a while there in February when the inflation reports were really coming out strong it seemed as though there might actually be a case for four rate hikes. Now, with recent inflation readings coming in on the softer side it’s not looking like that will happen.

You never know what the Fed will say, though, which is why everyone and their mother will be tuned in at 2:00pm to get the details. Today’s event is also notable because it’s the first time we will get a post-meeting press conference from the new Fed Chair, Jerome Powell.

He will speak for about an hour starting around 2:30pm, fielding questions from journalists. The written statement is of course a huge insight into the inner-workings of the Fed but more often than not we learn more about the situation and rationale behind the decisions from the post-meeting dialogue.

Investors are getting anxious today as they anticipate the Fed’s rate increase, moving more into stocks and out of bonds. The yield on the 10-year Treasury note (which is the best market indicator of where mortgage rates are going) has moved up to its highest position in a month at 2.90%.

Mortgage rates typically move in the same direction as the 10-year yield, and are similarly seeing some upward pressure today.

Rate/Float Recommendation                       

Lock now before rates increase further

Despite all of the fuss in the markets today, our outlook remains the same: mortgage rates should steadily rise in 2018, so most borrowers will likely get the better deal on a purchase or refinance by locking in a rate sooner rather than later.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                   

Existing Home Sales 

• Existing home sales ticked up to an annualized rate of 5.540 million.

EIA Petroleum Status Report

• 10:30am

FOMC Meeting Announcement and Press Conference

• See above for details

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Notable events this week:                

Monday: 

• Fedspeak

Tuesday:    

• FOMC Meeting Begins

Wednesday:      

• Existing Home Sales
• EIA Petroleum Status Report
• FOMC Meeting Announcement and Press Conference

Thursday:        

• Jobless Claims
• FHFA House Price Index
• PMI Composite Flash

Friday:       

• Fedspeak
• Durable Goods
• New Home Sales

[contentbox id=”3″]

*Terms and conditions apply.

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

Current Mortgage Rates Inch Up on Tuesday

Mortgage rates are up a little today as the Federal Open Market Committee begins their two-day meeting. Rates will likely stay in a holding pattern until the Fed concludes their meeting with a written statement tomorrow at 2:00pm.

Long-term rates are still expected to rise, so we’re continuing to recommend that borrowers take action on a purchase or refinance sooner rather than later. Read on for more details.

Where are mortgage rates going?                                           

Rates higher as Fed meeting begins

Here we go with day two of a very busy week on the political and economic front. It’s a big day here in the U.S. as the Federal Open Market Committee begins their two-day meeting on monetary policy.

Tomorrow, the meeting will end with a written statement and a post-meeting press conference with Fed Chair, Jerome Powell. The decision from the Fed that is widely expected (94.4% chance according to the CME Group’s Fed Fund futures) to come down tomorrow at 2:00pm is a quarter-point increase to the nation’s benchmark interest rate–the federal funds rate.

That would bring the target range up to 1.50%-1.75%. With the rate hike a virtual lock, financial market participants are more interested in the lesser-known outcomes, such as how the Fed will adjust their current economic outlook.

A big question on investors’ minds is will they forecast more than three rate hikes for the rest of 2018. At this time, it definitely seems like a hard pass.

We were getting some strong inflation readings for a while there in February, but recent inflation reports have tempered those expectations. Now, it’s looking like the Fed will stick to their current, cautious approach.

At these sort events, the biggest market reaction occurs when the outcome goes against market expectations. So at this meeting the largest swing would happen if the Fed came out with a very aggressive, thinking about raising rates four times type of message.

It’s unlikely, but that would certainly send financial market participants into a tizzy and put some serious upward pressure on mortgage rates.

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Rate/Float Recommendation                       

Lock now before rates move higher

Mortgage rates are up slightly right now. They will most likely stay at current levels until tomorrow afternoon when the Fed comes out with their updated written statement.

After that, we will almost certainly get a rate adjustment, so it’s important to keep an eye on your eye on the market tomorrow. With rates still expected to rise substantially by the time 2019 rolls around, we believe that most borrowers will get the better deal by locking in a rate soon.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                   

FOMC Meeting Begins

• The Federal Reserve’s Federal Open Market Committee kicks off their two-day meeting today.

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Notable events this week:                

Monday: 

• Fedspeak

Tuesday:    

• FOMC Meeting Begins

Wednesday:      

• Existing Home Sales
• EIA Petroleum Status Report
• FOMC Meeting Announcement and Press Conference

Thursday:        

• Jobless Claims
• FHFA House Price Index
• PMI Composite Flash

Friday:       

• Fedspeak
• Durable Goods
• New Home Sales

[contentbox id=”3″]

*Terms and conditions apply.

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

Langley BC Locksmith Training April 23-26, 2018

Interested in locksmith training? Want to become a locksmith? This course is for you and it’s filling up fast! April 23-26, 2018 in Langley, BC.

Professional One Day Hands-On Locksmith and Lock Picking Training

For further information go to www.mrlocksmith.com

Terry Whin-Yates is a 3rd Generation Locksmith with over 30+ years of locksmithing experience and a BA (Hons) in Criminology.

I will teach you how to rekey and pick locks like a Professional Locksmith. This is a Hands-On Locksmith Class covering basic to advanced Lock Picking Methods and Techniques.

Terry Whin-Yates Opens locked safe

Learning how to pick open locks starts with learning the basic to advanced methods of lock picking. The locksmith student will learn the various methods of picking open a lock.

I have been teaching locksmith, military and police for over 30 years how to pick open deadbolts, key-in-knob, padlocks, filing cabinets and “pick resistant” and “pick proof” locks. The lock picking class will cover the basic methods are as “Rake,” “Feel” and “Rake and Feel” lock picking methods to advanced lock picking techniques to open locks with mushroom, spool and spiral pins.

We will cover and discuss:

• Rekey Deadbolt
• Rekey Key in Knobs
• Shiming a lock
• Picking a lock
• Opening a lock with no keys
• Single pin picking, Feel Method, French Method
• Raking, Jiggling, Bumping, Scrubbing
• Can you lock even be picked?
• High Security Locks
• Tubular, Ace, etc.
• Lock has malfunctioned.
• Reading
• Buying Picks
• Making Picks
• Electronic Picks
• Pick Guns
• Methods of Entry
• Legal Issues
• Tactics
• Tools
• Preparation for Entry
• Setup your own Lock Practice Boards
• Automotive Lock Picking
• Other Lock Bypass Methods
• DAME (Defense Against Methods of Entry)
• And lots more!

All Lock Picking Students will get access to my five (5) online video on Picking Locks, Using Plug Spinners, etc. and my new book.

Mr. Locksmith Vancouver Hastings B&E Broken Door

FREE for all students! As an added bonus you will get a copy of my new book “Penetration Expert:”How to be a Professional Lock Picker” for FREE and access to Five (5) or my Private On-line Lock Picking Videos.

Important Note: All students must pass a Criminal Records Check / Security Clearance from your local Police Force or Commissionaires. In addition, if you want to purchase lock picks and join the “Penetration Expert: Locksmiths Always Get In” Lock Picking Club you must pass a Criminal Records Check / Security Clearance.

Note: The following do not need an extra security clearance but must show Valid ID : Police, Sheriffs, BC and Alberta Licensed Locksmiths, School and Hospital Employees

SIGN UP NOW!

 

Training Dates:

British Columbia

 

Langley : April 23-26, 2018 10am – 4pm  4 Day Hands-on Locksmith Class $1500.00 US

 

The post Langley BC Locksmith Training April 23-26, 2018 appeared first on Mr Locksmith Abbotsford.

from Mr Locksmith Abbotsford http://ift.tt/2G7Tapq

Current Mortgage Rates Flat to Start Hectic Week

It’s very busy week for financial markets here in the U.S. and abroad. There are several high-profile events set to take place, bringing with them opportunities for mortgage rates to adjust. We still think the smart move for many borrowers is to lock now, as rates seem to be on track to move much higher in the long-run. Read on for more details.

Where are mortgage rates going?                                          

Extremely busy week ahead

Here we go with what could easily be the busiest news-week of the year thus far.

G20 Summit kicks off today

Today and tomorrow, economic leaders from twenty different nations will gather in Buenos Aires, Argentina to talk about a variety of financial issues.

Many of the reports out so far are hyping up the discussion around cryptocurrencies and how they are possibly contributing to an increase in money laundering and other illegal exploits.

There’s no direct relationship from the G20 to mortgage rates; however, with it being such a high profile political/economic event, there’s always the possibility for something to be said that will stir up the markets and impact the direction of current mortgage rates.

Federal Reserve decision on Wednesday 

The main event for financial market participants in the U.S. this week is the Federal Open Market Committee (FOMC) announcement and subsequent press conference on Wednesday.

This meeting has been in the cross-hairs for investors for many weeks, now, as it’s widely anticipated that the FOMC will increase the nation’s benchmark interest rate–the federal funds rate–by a quarter of a point.

That will bring the target range up to 1.5% to 1.75%. One thing that we don’t know going into Wednesday is what kind of changes FOMC members will make to their rate hike outlook.

For a while there in February there was a steady stream of strong inflation readings that made it seem as though the Fed would have to take a more aggressive approach to rates, but then we’ve kind of seem a tempering to those expectations with weaker reports over the past few weeks.

Still, no one is entirely certain on what the Fed will say on Wednesday. What we do know, though, is that the more aggressive the Fed’s tone is on Wednesday, the more likely it is that mortgage rates will move higher.

On the other hand, if the Fed comes off as taking a cautious approach, rates would be more likely to stay flat or fall lower. It’s all going down on Wednesday afternoon starting at 2:00pm.

Durable Goods and New Home Sales on Friday 

The most notable data releases in the U.S. are the Durable Goods and New Home Sales reports, due out early Friday morning. The key phrase for durable goods is “bounce back” as they’re expected to tick up 1.7% in February after a 3.7% drop in January.

New Home Sales are also expected to jump up from their prior reading. Positive economic data tends to push mortgage rates higher, so we could see an increase to rates as we approach the weekend if these reports meet their expectations.

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Rate/Float Recommendation                       

Lock now before rates push higher   

Mortgage rates could certainly bounce around this week as the various headlines and reports come in. While it’s incredibly hard to hang your hat on one given outcome for rates over the next several days, we do still believe that the long-term trend for mortgage rates is for them to move higher.

Given this expectation, we recommend that borrowers keep an eye on current mortgage rates and try to lock in sooner rather than later. You can get started online or with a quick phone call to one of our mortgage specialists.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                   

Fedspeak

• Atlanta Fed President Raphael Bostic

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Notable events this week:                

Monday: 

• Fedspeak

Tuesday:    

• FOMC Meeting Begins

Wednesday:      

• Existing Home Sales
• EIA Petroleum Status Report
• FOMC Meeting Announcement and Press Conference

Thursday:        

• Jobless Claims
• FHFA House Price Index
• PMI Composite Flash

Friday:       

• Fedspeak
• Durable Goods
• New Home Sales

[contentbox id=”3″]

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2GGY8qX

Current Mortgage Rates on Track to Finish Lower on the Week

Mortgage rates are on track to finish out the week lower than where they started for the first time in 2018. This is obviously good news for borrowers looking to buy a home or refinance their current mortgage. If you want to take advantage of the dip, you should try and act quickly because rates could jump at a moment’s notice. Read on for more details.

Where are mortgage rates going?                                          

Rates up today but still down on the week

We got some strong economic data this morning, with consumer sentiment hitting a 14-year high, job openings hitting an all-time high, and industrial production with its biggest jump in four months.

The positive readings have helped push all of the major stock market indexes higher. With more investors going into stocks, fewer are in bonds, pushing up Treasury yields.

The yield on the 10-year Treasury note has moved up a little over two basis points to 2.85%. That’s still about five basis points below where it was during the week’s high on Monday.

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Rate/Float Recommendation                      

Lock now before rates push higher 

Mortgage rates are on track to wind up lower than where they started the week for the first time in 2018. This is great news for anyone who is thinking about purchasing a new home or refinancing their current mortgage.

Rates are expected to continue their climb and move significantly higher by the time 2019 rolls around, so we’re recommending that borrowers take action sooner rather than later to try and get the best deal.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                   

Housing Starts 

Housing starts came in at an annualized rate of 1.236 million for February, while permits hit an annualized rate of 1.298 million.

Industrial Production 

Production ticked up 1.1% in February. Manufacturing rose 1.2%. Both of those readings are well above the mark that analysts had expected.

Consumer Sentiment

Consumer sentiment hit a 102.0 in March. That’s well above the 98.8 that analysts had called for and is a 14-year high. Notably, inflation expectations are up 2 tenths to 2.9%.

JOLTS

According to the latest report from the Labor Department, there were 6.312 million job openings in January.

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Notable events this week:                

Monday: 

• 10-Yr Note Auction

Tuesday:    

• NFIB Small Business Optimism Index
• Consumer Price Index

Wednesday:      

• PPI-FD
• Retail Sales
• Business Inventories
• EIA Petroleum Status Report

Thursday:        

• Jobless Claims
• Philadelphia Fed
• Empire State Mfg Survey
• Import and Export Prices
• Housing Market Index

Friday:       

• Housing Starts
• Industrial Production
• Consumer Sentiment
• JOLTS

[contentbox id=”3″]

*Terms and conditions apply.

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

Current Mortgage Rates Fall for the First Time in 2018 in the PMMS

The Freddie Mac Primary Mortgage Market Survey this week is showing mortgage rates moving lower for the first time in 2018. With rates on the decline (for now) we strongly recommend that anyone looking to purchase a home or refinance their current mortgage takes action soon. Read on for more details.

Where are mortgage rates going?                                         

Rates fall in Freddie Mac PMMS

It’s Thursday after 10:00am, so that means that the Freddie Mac Primary Mortgage Market Survey got released. We’ve got a notable report out this week, with mortgage rates falling for the first time in 2018. Here are the numbers:

• The average rate on a 30-year fixed rate mortgage fell two basis points to 4.44% (0.5 points)
• The average rate on a 15-year fixed rate mortgage fell four basis points to 3.90% (0.5 points)
• The average rate on a 5-year adjustable rate mortgage increased four basis points (0.4 points)

Here is what the Freddie Mac Economic and Housing Research Group had to say about mortgage rates this week:

“Tuesday’s Consumer Price Index report indicated inflation may be cooling down; headline consumer price inflation was 2.2 percent year-over-year in February. Following this news, the 10-year Treasury fell slightly. Mortgage rates followed Treasurys and ended a nine-week surge. The U.S. weekly average 30-year fixed mortgage rate fell 2 basis points to 4.44 percent in this week’s survey, its first decline this year.”

It’s always important to note that data for the survey was collected early on in the week and therefore doesn’t necessarily reflect current market conditions.

The downward trend has not reversed itself quite yet, though, and has actually continued throughout the week. Yesterday’s soft Producer Prices and Retail Sales readings certainly played a part in keeping rates lower.

If we take a look at the yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, we can see that it’s down to 2.81% right now.

That’s nine basis points below is highest position of the week on Monday. Mortgage rates typically move in the same direction as the 10-year yield, so rates are even lower right now than in the PMMS.

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Rate/Float Recommendation                     

Lock now before rates push higher

Mortgage rates are on track to finish out the week lower for the first time in 2018. This is obviously great news for anyone looking to buy a home or refinance their current mortgage.

We strongly recommend that you take action now while rates are low because the long-term trend remains for rates to move considerably higher; many analysts are still calling for the 30-year fixed rate to move above 5% sometime this year.

It really only takes a few minutes online or a quick phone call to one of our experienced mortgage professionals to get started.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                  

Jobless Claims

Applications for U.S. unemployment benefits came in at 226,000 for the week of 3/10/18. That puts the 4-week moving average at 221,500. This is a drop of 4,000 for new claims, which points toward strength in the labor market.

Philadelphia Fed 

The Philly Fed’s general business conditions index hit a 22.3 in March. That’s below the prior reading but the details of the report are incredibly strong, with new orders and unfilled orders coming in hot.

Empire State Mfg Survey 

The Empire State General Business Conditions Index also posted a strong reading this morning, coming in at 22.5. That’s well above the 15.0 that analysts had expected.

Import and Export Prices 

Import prices ticked up 0.4% from the previous month in February, putting them at 3.5%, year over year. Export prices rose 0.2%, month over month, bringing the year over year change to 3.3%.

Housing Market Index 

The Housing Market Index for March hit a 70. That’s still a positive reading but it is a little below the 72 that analysts had expected.

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Notable events this week:                

Monday: 

• 10-Yr Note Auction

Tuesday:    

• NFIB Small Business Optimism Index
• Consumer Price Index

Wednesday:      

• PPI-FD
• Retail Sales
• Business Inventories
• EIA Petroleum Status Report

Thursday:        

• Jobless Claims
• Philadelphia Fed
• Empire State Mfg Survey
• Import and Export Prices
• Housing Market Index

Friday:       

• Housing Starts
• Industrial Production
• Consumer Sentiment
• JOLTS

[contentbox id=”3″]

*Terms and conditions apply.

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

Jumar – Availability, Plans, Prices

At a Glance

• located at the corner of Buckley & Cleveland in Squamish
• mixed-use development
• 101 condos & townhouses
• ground floor shops & services
• 6,000 sq ft childcare centre
• near Ecole Squamish Elementary & Howe Sound Secondary schools
• outdoor adventure capital

Live the Adventure
If you’re waiting to do something great this weekend, you’re waiting too long. Live the adventure. Now. Countless outdoor adventures begin here, on your doorstep. Downtown Squamish’s restaurants and shops are a few short steps away. The best of the mountains, the best of the city… It’s all within easy reach. Imagine stepping out your door this morning to world-class mountain biking, kiteboarding, running, climbing and hiking. Adventure on your terms, 7 days a week. That’s Squamish living. That’s Jumar.

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Jumar’s design draws inspiration from the breathtaking landscape surrounding it; the building’s shape directly mirrors the iconic Squamish Chief. The exterior captures stunning views of the nearby peaks. Jumar’s stylish 1- to 3-bedroom condos and city homes are located in the heart of downtown Squamish, the adventure capital of British Columbia. The location is unrivaled. Drive 45 minutes south and you’re in downtown Vancouver. A mere 35-minute trip north takes you to Whistler Blackcomb, North America’s premier ski and four-season mountain resort.

Pricing for Jumar
This development is in its development application stage. Sign up above to our VIP list for priority access to Jumar updates.

Floor Plans for Jumar
A mixture of 1- to 3-bedroom condominiums and townhomes is proposed. Details are pending. Contact me today to discuss your needs.

Amenities at Jumar
A 6,000 sq ft Bee Haven Childcare centre is planned for the northwest portion of the property with 24 infant/toddler spaces, 24 spaces for three to five-year-olds, and 30 school-aged spaces.

Parking and Storage
Jumar proposes to provide 116 residential and 48 commercial vehicle parking spots, in addition to generous bicycle storage space.

Maintenance Fees at Jumar
TBA.

Developer Team for Jumar
LT Wave Holdings is the Canadian subsidiary of Hong Kong-based LT Commercial Real Estate. They have retained GBL Architects to design Jumar. GBL 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.

CHIL Interior Design is the hospitality studio of B+H, a global leader in interior design, architecture, and planning & landscape. CHIL’s award-winning portfolio spans Asia-Pacific, Europe, the Middle East, North and South America for brands such as Shangri-La, Hilton, Fairmont, Marriott, and Four Seasons. Originally founded in 1974, CHIL leverages global resources to produce designs that are guided by their clients’ vision and goals. Each client’s story is translated into a physical space. Deep research and an understanding of current and future trends result in spaces that improve the way people live, work, play, relax, and heal.

Expected Completion for Jumar
TBA.

Are you interested in learning more about homes in West or North Vancouver?

Check out these great North Shore Presales!

The post Jumar – Availability, Plans, Prices appeared first on Mike Stewart.

from Blog – Mike Stewart http://ift.tt/2FAR6GS

Current Mortgage Rates Ease on Wednesday

The inflation readings this week came in soft, helping to keep mortgage rates on the lower side. We still have some key economic reports out on Friday that could impact that direction of rates. Long-term, the expectation is still for rates to move higher so borrowers will likely want to lock in a rate soon. Read on for more details.

Where are mortgage rates going?                                         

Inflation data comes in soft – keeps rates from rising

At the start of the week we knew we were going to be dealing with several important inflation reports that could impact the direction of the markets.

Last Friday we got a softer than expected average hourly earnings reading in the monthly jobs report for February, so investors were eager to find out if that was a one-off instance or reflective of a broader trend.

After this mornings weaker than expected Retail Sales and Producer Prices reports, it’s clear that inflation had a slow month in February.

Inflation talk has been center stage the past few months after we got some standout readings in several reports, but the situation has now tempered, leading financial market participants to believe that the Federal Reserve will not be raising the federal funds rate as aggressively in 2018 as some had been starting to claim.

This has caused investor appetite for bonds to increase somewhat, pushing down yields. The yield on the 10-year Treasury note, which is the best market indicator of where mortgage rates are going, is down to 2.83% today.

That’s about seven basis points below the week’s high of 2.90%. Mortgage rates typically move in the same direction as the 10-year yield, so rates have improved over the last twenty-four hours.

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Rate/Float Recommendation                    

Lock now to try and get the best deal

Mortgage rates have slowed their climb over the last couple of weeks, which is good news for anyone looking to purchase or refinance.

However, the consensus among market analysts is that they will continue to climb throughout 2018, so if you’re thinking about locking in a rate sometime in the near-future, you’re best bet is likely to do it sooner rather than later.

It only takes a couple minutes online or a quick phone call to one of our loan officers to get started.

Learn what you can do to get the best interest rate possible. 

Today’s economic data:                                  

PPI-FD 

Producer Prices ticked up 0.2% in February, putting them at 2.8%, year over year. PPI-FD less food and energy also rose 0.2% in February, bringing it to 2.5%, year over year. PPI-FD less food, energy and trade services jumped up 0.4% in February, putting it at 2.7%, year over year.

Retail Sales 

Retail sales unexpectedly fell 0.1% in February. Retail sales less autos rose 0.2%. Retail sales less autos and gas rose 0.3%.

Business Inventories   

Inventories ticked up 0.6% in January. That’s slightly higher than the 0.5% that was expected.

EIA Petroleum Status Report 

For the week of 3/9/18:

• Crude oil: 5.0 M barrels
• Gasoline: -6.3 M barrels
• Distillates: -4.4 M barrels

[contentbox id=”8″]

Notable events this week:                

Monday: 

• 10-Yr Note Auction

Tuesday:    

• NFIB Small Business Optimism Index
• Consumer Price Index

Wednesday:      

• PPI-FD
• Retail Sales
• Business Inventories
• EIA Petroleum Status Report

Thursday:        

• Jobless Claims
• Philadelphia Fed
• Empire State Mfg Survey
• Import and Export Prices
• Housing Market Index

Friday:       

• Housing Starts
• Industrial Production
• Consumer Sentiment
• JOLTS

[contentbox id=”3″]

*Terms and conditions apply.

from Total Mortgage Blog http://ift.tt/2Ioj9qZ

How to Choose the Best Plant for Your Bathroom

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

Decorating your bathroom with plants won’t just make it look prettier, it will also help freshen up the air inside. Find out which plant to buy as you continue reading below:

Photo by Nick Karvounis on Unsplash

Lighting and Humidity
The bathroom’s moist environment is generally good for plants. But you should choose ones that can cope with the room’s wide temperature fluctuations — warm when someone is showering and cold when it’s left unused for several hours.

And since many bathrooms receive low levels of sunlight, plants should be able to cope with that too.

In fact, the most important thing is to pick plants that suit the level of natural light in your bathroom, Unsworth says. They should also suit the level of care you’re prepared to give them. Ferns, for example, require far more care to survive than succulents do.

Tropical plants are a good choice for bathrooms since they typically can deal with less direct sunlight than other plant species. They’re designed to grow in a rainforest, beneath a canopy of trees, which makes them ideal for indoor environments. Source: Houzz

Location
Bathrooms tend to be on the smaller side, so space for greenery is often limited. Large or tall plants don’t often work in bathrooms for this reason. A better option is to choose plants that can hang from the ceiling, or will trail down from a high shelf. The windowsill is another great location for bathroom plants, particularly as they can enjoy maximum light exposure here. Source: NaturalLivingIdeas

Plants for Low-Light Bathrooms:

• Aloe Vera
• Bamboo
• Begonia
• Boston Fern
• Cast Iron Plant
• Chinese Evergreen
• Ficus Benjamina
• Heart-Leafed Philodendron
• Orchid
• Peace Lily
• Spider Plant
• Dieffenbachia
• Snake Plant

Plants for Bright and Sunny Bathrooms:

• Asparagus Fern
• Azalea
• Gardenia
• Kimberly Fern
• Orchid

Low-Maintenance Plants:

• Aspidistra
• Philodendron
• Sanseveria
• Spider plants Source: ApartmentTherapy

Create a spa-like bathroom right in your home with the beauty of plants and the exquisite design of the fixtures that we offer. Call us for more information!

 

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

The post How to Choose the Best Plant for Your Bathroom appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://ift.tt/2FBa00n