• Are you having a baby? Here’s a handy, downloadable PDF with a list of 50 essential items you’ll need for your new baby. Whether you’re sorting through your baby shower gifts or drafting your shopping list, these tips may help you figure out what you need most.

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  • Although vacationing during the cold winter months is exciting, it’s important to take care of all the mundane details before leaving your home for a significant amount of time. Nobody wants to worry about the safety of their home while vacationing, and you won’t have to if you take these steps.

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  • Characterized by bright colors, woven fabrics and handcrafted pieces, southwestern-style decorating takes influences from Native American, Spanish and Mexican art. Whether you live out west and want your home to reflect your surroundings, or you simply want to incorporate colorful or handmade items into your existing decor, here are some tips to help you...

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Market Update – Positive Economic Data Boosts Investor Confidence

Market Update – Positive Economic Data Boosts Investor Confidence

Treasuries traded lower yesterday for the 2nd day in a row following the dissapointing Treasury auction and stronger than expected unemployment claims report. Treasuries are continuing their slide again this morning on the recent positive economic data that has boosted investor confidence for a slow recovery. President Obama is expected to speak on the economy at a news conference later this morning.

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Mortgage Rates Rise for First Time Since Early June

Mortgage Rates Rise for First Time Since Early June

It’s been over 100 days since any of us experienced what happened this morning. Financial experts and anylists have been prediciting this for a while, but today it happened. Mortgage rates actually went up today. That’s right, you read that correctly. Mortgage rates went up. That hasn’t happened since June and after three months of dropping or remaining stagnant, mortgage rates edged up today on a stock market rally that was kicked off by much better employment news than expected. Here’s some info from bloomberg.com: “Mortgage rates for 30-year U.S. loans rose for the first time in 12 weeks as Americans sought refinancings amid record-low borrowing costs. The rate for a 30-year fixed loan climbed to 4.35 percent in the week ended today from 4.32 percent, Freddie Mac said in a statement. The average 15-year rate was unchanged at a record low 3.83 percent, the McLean, Virginia-based company said.” But it’s not all bad news for consumers. Especially those that have been waiting for a bottom to rates. That bottom may just have arrived, but rates are still down in the cellar. Today’s bump in mortgage rates was very slight, so consumers can still take advantage of the lowest rates in a generation. Rates might have gone up, but they are still extremely low. So if you’re waiting for the right time to refinance or buy a home, that time might be right now. If you wait any longer, you might be sorry.

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Market Update – Drop in Refinance Activity Has Mortgage Applications Fall

Market Update – Drop in Refinance Activity Has Mortgage Applications Fall

Treasuries are down from yesterday’s close. The $21 billion sale of 10-year notes is scheduled for this morning – the second of the three auctions slated for this week. The MBA weekly mortgage market survey showed that mortgage applications fell 1.5 percent last week with the refinance activity portion of the number leading the drop at -3.1 percent.

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