Pennies in the Wishing Well

Wishing Quote of the Day: “You must be the change you wish to see in the world.” – Mahatma Gandhi

Gonna be a balmy 14 degrees today, which means I might actually pick up the Skittles wrapper that’s been frozen to my tree for a week. Okay, lots to talk about besides Skittles so let’s go…

For all of you who brown-bagged it as a kid.

Wuss’up This Week: This is a big week for job reports being released. Today we have ADP Employment (expected number: 185k), tomorrow we have Weekly Jobless Claims (395k), and Friday’s biggie the Employment for December Report (unemployment expected at 7.1%, payrolls expected + 195k). As usual if these reports disappoint the economy rates may drop, but if they meet or beat expectations look for interest rates to climb. And speaking of rates…

30-year fixed rates remain in the mid-4s with ARM rates about a point lower. Don’t forget that rates vary based on type of home, equity in the home, credit score, and someone who doesn’t give up on their dreams even if your dreams don’t go as expected.

One more thing not to forget: For any purchase or refinance loan over $240k I will waive all lender fees – a $1,295 savings! Be a hero and pass this email onto someone who can use this savings.

Wishing Quote of the Day 2: ““Not only do I refuse to take the stairs up to my office, when I’m in the elevator I wish there was a chair in it.” – Josh Hara (@yoyoha)

Timeout for Trivia: Congrats to those who guessed Eminem last week. Want to be entered into a drawing to win a Kellogg’s employee safety statement T-shirt? Simply email me the answer to this week’s “Who Am I?” question. Good luck: “Tonight’s the night I turn 69. Just kidding, it’s really in two days. The Onion had a headline last year that said I was mistaken for someone’s aunt! Yes, my leathery face and long hair might make me appear like a woman but I am very much a man, a man with 60 songs in the Top 40 who successfully shifted from hard rock to covering other people’s classics (i.e. Irving Berlin, Cole Porter, etc.). Sheryl Crow did a cover of my cutting song but most people don’t know Cat Stevens actually wrote that song ten years before I released it in 1976.”

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