ARMS: Not Just For Hugging and Nukes. Also, Notes About Learning, Cookies, and Slinkys.

Learning Quote of the Day: “Learning without thought is labor lost.” – Confucius

Side note to that quote: How many fortune cookie makers just Google Confucius quotes when they can’t think of any other fortunes to write?

Wuss’up This Week: Economic reports are released daily that can sway interest rates in either direction. Today we’ve got Retail Sales (should be a good report, just bought two new pairs of shoes at Foot Locker), tomorrow Jobless Claims, and on Friday we’ve got Consumer Sentiment (consensus: 91.8).

Interest rates are still beautiful, Mortgage Fans! A 30yr fixed rate remains in the mid-to-upper 3s, with ARM rates about .50% lower (Note on ARMS: If you’re thinking of moving in a few years it’s a good idea to refinance from your fixed rate to an ARM to help save money). As usual rates will vary based on credit score, type of home, equity in the home, and if it’s a strange looking home.

Don’t forget to remember: Any purchase or refinance loan over $240k I will waive ALL lender fees – a $1,050 savings! Grab yourself a cup of instant karma and tell any of your friends, family, coworkers or people that like Slinky tricks that can use this gift.

Learning Quote of the Day 2: “I hope my wife and children never learn the things that I have done for a Klondike Bar.” – @clarkekant

Timeout for Trivia: Congrats to those who last week guessed Paul Rudd. Want to be entered into a drawing to win Giraffe Measuring Tape? Simply email me the answer to this week’s Who Am I? question. Good luck: “Today I turn 46. As a child in ’79 I starred in a movie with Angelina’s dad that won me a Golden Globe for Best New Male Star. I starred in a sitcom from ’82-’86 that has been called the ‘white version’ of the Fresh Prince of Bel Air. After that I grew up, dropped the ‘Y’ from my first name, but couldn’t convince any casting director to offer me parts. Finally in the late 90s I joined a cop show on TV replacing a guy that started his TV career on LA Law.”

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