Treat your password like your toothbrush

Toothbrush Quote of the Day: Treat your password like your toothbrush. Don’t let anybody else use it, and get a new one every six months.”  – Clifford Stoll

Hey Mortgage Fans, be the first on your block to download my app to your phone

This week in Economic History: It was on July 4th, 1840 that the Treasury Bill passed. A powerful interest group called the ‘Locofocos’ supported the bill (along with Prez Van Buren). The bill established an independent treasury responsible for government transactions.

Wuss’up This Week: Every day economic reports are released that can sway interest rates in either direction. This week is all about employment as today we have the ADP Employment Report, tomorrow Jobless Claims, and Friday’s biggie the Employment Numbers for June. If these are good for the economy rates can tick up, and vice-versa if the numbers disappoint.

Rates are low, Mortgage Fans – you should seriously call me to refinance! A 30yr fixed is in the mid-3s with ARMs about a half a point lower. As usual rates will vary based on type of home, equity in the home, credit score, and if you know tricks to save money.

Don’t forget to remember: Any purchase or refinance loan I will waive all lender fees – a $1,050 savings! Grab yourself some instant karma and tell your friends, family, coworkers, and people that fail that can use this gift!

Toothbrush Quote of the Day 2: “Little known fact: The toothbrush originated in Alabama. Everywhere else it was called a teethbrush.” – @_BKL_

Timeout for Trivia: Congrats to those who guessed Ringo Starr last week. Want to be entered into a drawing to win a Coin-Stealing Cat Piggy Bank ? Simply email me the answer to this week’s Who Am I? question. Good luck: “Today I turn… kinda old. But you call me old I swear I’ll punch you! When I was born the doctors used forceps which hit a nerve and paralyzed part of my face; people thought I was dumb the way I looked and spoke, but I’m actually sly as a fox, smarter than people know. Way back when I won Best Screenplay and Best Actor at the Academy Awards which made me the third person to ever receive those two awards for the same film (Charles Chaplin and Orson Welles were the others). Haven’t won an award since but that’s okay, sequels have made me rich.”

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