Golden Years

Retirement Quote of the Day: ““Retirement kills more people than hard work ever did.” – Malcolm Forbes

“How long will rates stay low?”, people ask me. I’ve heard they will go up in the first quarter of 2013, and I’ve heard they won’t go up until 2015. My guess is somewhere in the middle of those two. For now though, there’s a huge mess keeping them down: our economy and the world economy are in question; both the world and my hairline are facing another recession. We’ve got the Euro Crisis, an economic slowdown in China, unrest in the Middle East, our Fiscal Cliff Clavin, and only 13 shopping days left…

Oh, and the Fed wants to buy more mortgage-backed securities, which helps keep rates low too. And speaking of the Fed, today at 1:15 the Fed meeting adjourns, which can impact rates. Tomorrow we’ve got Weekly Jobless Claims, Retail Sales, and the PPI reports coming out too. These are reports that can cause rates to go up (if numbers are good for the economy) or down.

To the people “overseas” who were robbed and keep emailing me for money: I know you are scammers but I admire your persistence and will send your check today.

Check out these cool pop-culture snowmen!

Don’t forget that for any purchase or refinance loan over $240k I will waive all lender fees – a $1,295 savings! Please let everyone you know – and even people you think you know – about what a great deal this is.

Retirement Quote of the Day 2: “My retirement plan is pretty much dependent on the Mayans being right.” – Tim Siedell (@badbanana)

Timeout for Trivia: Congrats to those who guessed Britney Spears last week. Want to be entered into a drawing to win a 6-pack of Silly Putty? Simply email me the answer to this week’s “Who Am I?” question. Good luck: “It was this week in 1997 that my sequel movie was #1 at the box office, which might make you want to cry out. A #1 movie was something my older sister was desperately seeking from the 1980s until 1994 when she finally made it with Pulp Fiction. Me, I wish I was never in these movies because that’s where I met my future ex-wife. We have to be “friends” now because we made hot chocolate together.”

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