Consumer borrowing costs rose yesterday as the market prepares for today’s highly important employment data. Mortgage rates opened worse and the pressure continued through close. Most lenders did reissue rate sheets late in the afternoon increasing consumer borrowing costs further.

This morning the Bureau of Labor Statistics released the most important economic report we receive monthly…the Employment Situation Report for January. This release provides four headline measures...

Heads up, everyone...

I read that those 'scammers', can find out what your Social Security Number is, just by getting ahold of your Birth Date, and your Home Town!

The first Three (1-3) Numbers, have something to do with your Birthday!

The Second Set of (4-5),Numbers deal with the "Post Office Number" in the City where you were born!!

The Last set of (6-9) Numbers, has some parameters that those who are stealing your Social Security...

If your going through any of this...stop think and listen...

Bad dark weather can have very negative effects on the moral of people...that means you...

Winter Blues: How to Cope With Seasonal Depression, Cold Weather Blues, and Sadness

I don't speak so much from a scientific angle, but rather from a practical human who can relate angle...

I mean I don't know what's worse...a constant dribble of dark clouds and cold rain....

Or...

The range which has held mortgage rates relatively stable over the last month or so finally broke to the bottom side yesterday. Despite weakness in stocks, the fixed income sector came under considerable pressure with the benchmark 10 year treasury note rising from 3.40% to 3.50%. This led mortgage backed securities prices lower forcing lenders to reprice for the worse. MBS closed at their lowest level since the end of December. At the open this morning, MBS fell further which will worsen rate...

Nancy, tell your Mom not to bother calling my Wife for a few days!!

SHE CANT HEAR ANYONE LOL!!!

It would be absolutely halarious for your Mom, who cant hear half the time, to call my Wife, who cant hear at all, and watch them try to talk now LOL... (She says her head feels like a basket ball, because she has sinus problems and ear infection!). My Son called her, she couldnt hear the phone, and when I did give the phone to her, she said it sounds like 'mumbles'......