Haunted Houses, Scary Rates, and Ghosts

Halloween Quote of the Day: “Congrats to ‘Monster Mash’ on winning the VMA for Best Halloween Song for the 52nd consecutive year.” – @brendohare

Did’ja Know: The country closest to becoming completely cashless is Belgium with 93% of all consumer transactions being carried out without cash. (side note: don’t bet on football as I find myself today also without cash).

Wuss’up This Week: Every day reports about our economy are released into the wild, and it’s these reports that can sway interest rates in either direction. This week it’s all about jobs as today we have the ADP Employment Report (expected: 228k), tomorrow Weekly Jobless Claims (expected 215k), and tomorrow’s biggie October’s Employment Numbers (expected: payrolls + 135k, unemployment at 3.7%). If these numbers are positive for the economy you can expect rates to keep ticking up, however if these numbers fall short you may see rates dip.

Interest rates remain at their high-point for the year. A 30-year fixed rate you’ll find at around 5.0% with adjustable rate mortgages anywhere from .25-.50% less. As usual rates will vary based on credit score, type of home, equity in the home, and if your home is haunted.

Don’t Forget to Remember: Any purchase or refinance loans that close with me between now and Christmas I will waive $500 of lender fees. Grab yourself a cup of instant karma and pass my info along to any friends, family, coworkers, or ghosts you know that have been caught on camera that can use this gift.

Halloween Quote of the Day 2: “Got home, opened the bedroom closet door and a naked guy shrieked at me. Wow, my wife has some pretty crazy Halloween pranks up her sleeve.” – Comedian Brian Hope

Timeout for Trivia: Congrats to those who guessed Kurt Cobain last week. Want to be entered into a drawing to win Unicorn Shower Head (this is actually kind of gross, it looks like the unicorn is sneezing on you – not one of my best prizes I know, but they all can’t be winners). Simply email me the answer to this week’s Who Am I? question. Good luck: “It was on this date way back in 1964 that my song about humans being needy hit number # 1 and stayed there for five weeks. Even though the author of this blog thinks I’m highly overrated, I’m one of the few people who has won an Oscar, Tony, Emmy, and Grammy. I’m mostly known for singing although I have been in many movies. You might remember me in a horrible sequel released in 2004 about getting  married and dysfunctional families; my husband in the movie once starred in a Tom Cruise movie that, despite the title, had nothing to do with the weather. I also starred in a movie that came out almost 30 years earlier that I’m sure Stefani Joanne Angelina Germanotta could easily relate to today.”

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