Clothing Optional

Naked Quote of the Day:“I always say: To be well dressed you must be well naked.” – Oscar de la Renta

You really think your generation is better?? When I was a kid I got my music for free on Napster! Still, here’s a fun timeline of iTunes, which just turned ten.

Not a lot of earthshattering economic news coming out this week, although we do have three reports on employment being released: today’s ADP Employment (expected 132k), tomorrow’s Weekly Jobless Claims (expected 329k), and Friday’s biggie, the April Employment Report (expected 110k new jobs, unemployment rate at 7.6%). Two months ago this report came in great for the economy and rates shot up. Last month it came in horrible which helped rates drop. My prediction is that this Friday’s report will come in as expected, but last night in a fight my wife told me, “You are never right! Never!” so who knows…

Interest rates have cooperated though, as 30-year fixed rates are in the low-to-mid 3s with ARM rates about a point lower. And hey – don’t forget about our friend the 15-year fixed which is in the high 2s. Pay off your mortgage early and retire before all your friends. And don’t forget…

For any purchase or refinance loan over $240k I will waive all lender fees – this is a $1,295 savings!!! Cinco de Mayo all year long, Mortgage Fans!

Naked Quote of the Day 2:“Is it ‘butt’ naked or ‘buck’ naked? Either way, this dentist appointment is making me very uncomfortable.” – Jenny Johnson (@JennyJohnsonHi5)

Timeout for Trivia: Congrats to those who guessed “We Are the World” last week. Want to be entered into a drawing to win Undead cookie cutters? Simply email me the answer to this week’s “Who Am I?” question. Good luck: “It was on this day in 1992 that my solo album Diva went to # 1 on the UK album charts. Before that, I was in a hugely successful band in the mid-80s. Our first hit in 1983 was like a dream as it hit #1 on the US charts, and the video got plenty of MTV play with my orange hair and androgynous look. In the early 2000s VH1 voted me The Greatest White Soul Singer Alive – I’m not kidding. Would I lie to you?”

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