Fish Shoes, Neighbors, and Dark Side of the Rates

Neighbor Quote of the Day: “Nothing makes you more tolerant of a neighbor’s noisy party than being there.” – Franklin P. Jones

Note to my wife: Our marriage will take a brief timeout until early February so I can enjoy the NFL season which starts tomorrow! (*to those who think that is mean: her Real Housewives of Orange County is pretty much year-round now which I imagine also plays  year-round in hell).  

This Week in Economic History: It was on September 8th, 2003 the Recording Industry Association of America filed lawsuits against 251 individuals across the country, accusing them of illegal sharing of copyrighted music online. (*side note: I remember having nightmares that they were going after anyone who illegally downloaded OutKast’s Hey Ya! In hindsight, the true punishment was listening to that song over and over.)

Wuss’up This Week: After a long weekend not much news coming out this week. Today we’ve got the Beige Book Report (this book reports on inflationary pressures. My guess is unless it’s a pop-up book it’s probably pretty boring reading), tomorrow Jobless Claims, and on Friday Consumer Credit. If these reports show signs of a healthy economy the interest rates will trend upwards, and vice-versa if the reports come out weak.

Interest rates are starting to resemble Pink Floyd’s Dark Side of the Moon, an album so consistent it spent a record 933 weeks on the Billboard 200. For what feels like 933 weeks, rates continue to do… nothing. A 30-year fixed remains in the high-3s/low-4s, with ARM rates about a half a point lower. As usual rates will vary based on type of home, equity in the home, your credit score, and if you’ve been nice to your janitor.

Don’t Forget to Remember: Any purchase or refinance loans over $240k I will waive HALF the lender fees – an $895 savings! Grab yourself a cup of instant karma and pass this info onto any friends, family, coworkers, or photo bombers that can use this gift.

Neighbor Quote of the Day 2: “According to my neighbor’s journal, I have “boundary issues.”” – @capricecrane

Timeout for Trivia: Congrats to those who guessed Cameron Diaz last week. Want to be entered into a drawing to win Fish Sandals? Simply email me the answer to this week’s Who Am I? question. Good luck:  “Today is my birthday and it’s been  almost 50 years since elementary school which means I’ve forgotten a lot of stuff.  With that fact maybe adults aren’t as dumb as they look! As a comedian though I like making fun of the dumb ones. Speaking of dumb  – one time after a show a guy came up to me and said, “Why you making fun of people with rashes on their necks?””

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