mortgage rates dropped significantly yet again today, adding to an already impressive week of improvementand bringing most lenders into their best territor

Bonds (the financial instruments that underlie interest rates, including mortgages) thrive on this sort of fear and uncertainty.  "Thriving" means more investors are buying bonds as a safer-haven investment, and more bond buying equates to lower rates.

Tomorrow brings significant risk in the form of the big jobs report.  This is one of the pieces of economic data that the Fed watches most closely.  Investors assume that the Fed's upcoming policy changes could be directly affected by any big revelations in this report.  As such, if the numbers are much higher or lower than expected, rates could move quickly.

ALL MORTGAGE / LOAN ADVICE

My Sister and Mortgage Rates

Mortgage Rates

December 6, 2018

My baby sister closed on her house this week. Since she and I are close, she has called me with various updates on the process in the past month or so. Along with area schools, decorating ideas and bedroom sizes, we have also discussed interest rates, monthly payments and FHA loans (she and her husband are first time home buyers).

Despite the fact that rates seem to be going up every time the Federal Reserve meets (they have raised rates 11 times since June of 2004 and have indicated that it’s going to happen again by the end of the year), it’s still a great time (historically speaking, anyway) to be taking the mortgage plunge.

Right now, the average rate for a 30 year fixed mortgage is just over 6%. The Mortgage Bankers Association’s recent long term forecast predicted that it’s going to go from it’s current 6.10% to 6.65% in the fourth quarter of 2006 and up to 6.75% the fourth quarter of 2007. Sounds ominous, right?

Look at the last few decades though. According to an October 2005 article in CNN/Money, the average rate in the 90s was 8.12%, and in the 1980s, it was 12.70%. In October of 1981, interest rates for the average homeowner were a whopping 18.45%! That’s worse than the interest rate on my first department store credit card!

I’m not saying that it’s a great thing that interest rates seem to be swelling every time the Fed meets, I’m only pointing out that it could be (and fairly recently has been

Frogs inspiration

Moral of the story: 

Life is the difference way of getting something in our life.
To get many things in life, you have to change yourself. Life can be broken at any time by a card.Example: 

People’s words can have a huge effect on the lives of others. Therefore, you should think about what you’re going to say before it comes out of your mouth – it might just be the difference between life and death.

Eventually, one of the frogs took heed of what the others were saying and he gave up, jumping even deeper to his death. The other frog continued to jump as hard as he could. Once again, the group of frogs yelled at him to stop the pain and to just die.

He ignored them, and jumped even harder and finally made it out. When he got out, the other frogs said, “Did you not hear us?”

The frog explained to them that he was deaf, and that he thought they were  him the entire time.

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Hosting service is dedicated to giving its users great services. That is why a lot of manpower is invested in customer support. While other companies put less effort in customer experience, InMotion spares no dime to give you exceptional services. I recommend you try it for the first-hand experience.

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Most of us look at the recommendation that they receive when it comes to choosing a web hosting company for their business of for their use. This is a good thing, because it is like making a questionnaire, but not always the opinions that you find on some sites or some blogs are also true or objective. Firstly you need to find a serious company that is equally treating all customers, no matter the period of the contract and the amount of it and no matter if they have clients that are using shared hosting or those that are using dedicate hosting. Each client disserves to be offered the necessary attention and should not be left to wait for the services that he is paying.

The assistance from the web hosting companies personnel is very important for the duration of the contract, because if there are problems during this period they need to be solved. This should not be done just as a respect for the client or because this has paid for the service, but also because the company should look to have good reviews in order to attract new customers. So, in order to choose the right hosting company or server, you first need to see what the reviews are for that company. Then you need to collect the offers from the companies that you belie are most suitable and thoroughly check them. If you think that you know which is the company that you want to work with make sure that they are offering the 30 days guarantee. This way you can benefit from their services for 30 days and if you are not pleased with them then you are not obliged to close the deal and you can choose from your other options.

Before starting this journey you need to know where you are heading and you need to know for what you need the web hosting. If you know that, then the companies that you are contacting should be able to make you the perfect package based on your requirements. Your negotiation should start from this point and you need to check what are the free services that they are offering, if the case and what are the discounts that they are offering and what are the conditions for that. I have started the things that you need to follow from the last thing and going to the first thing and that will be that you need to see if you have enough budget to start this and it is not about a month, it is about several months.

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I am always trying to find new ways in which I can make money. I have a decent job, but sometimes there are expenses that require some extra income. I have heard here and there that the best way of making money is on the internet. Also it is said that this is the easiest way. Since I’ve heard it from so many places I tend to believe this is true. I use the internet daily, but only at an informative level, so I can say that my knowledge in this field is kind of limited. I searched for a way to make money on the internet and I saw that there are a lot that are advertising that web hosting is a good way and that it is not only easy but it is also sure.

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We believe in growing a property investment like a real business so that you work towards a number of properties.  Having just one or two is more like a hobby.  We are talking about gradually having a number of houses, as many as you are comfortable with.  But the process should be handled cautiously so that you don't over extend yourself at any time.  To grow the portfolio your other stream of income is very important.  It is a safety net.  Lets not forget also that the net yields are quite low so just by having a few houses there will not be enough income to live comfortably.  Moreover the banks want to see serviceability and you get that with your day job.  It dosent mean that you have to work forever but you certainly should for as long as you can.

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Bitcoin was born out of the global financial crisis of 2008, but on the eve of its 10th anniversary the world's first cryptocurrency may be facing a crisis of its own. Uncertain regulation, technological failings and infighting within its developer community mean another cryptocurrency could be on the verge of taking its place as the world's leading digital currency.

With a market cap of over $100 billion, bitcoin has established itself over the last decade as the world's leading cryptocurrency, yet since its inception more than 3,000 other cryptocurrencies have since come into existence – each attempting to offer something that bitcoin can't. After a decade of dominance, experts tell The Independent that one of them may soon succeed.

"A number of clouds now hang over bitcoin's original vision – chiefly the speculation around whether it can make it as a general service for payments," said Shiv Malik, head of strategy and communications at the blockchain firm Streamr. "But bitcoin now has many children — cryptocurrencies and digital tokens of all sorts – and they will eventually serve as the basis not just for money, and money transfer but for accessing all sorts of vital digital services in the future."

Bitcoin's recently experienced a month-long price rally, which came crashing to a halt at the beginning of August when the cryptocurrency fell by 15 per cent in less than seven days. Having briefly traded above $8,000 at the end of July, a single bitcoin is worth $6,988 at the time of writing.

Despite this price drop, experts and analysts are optimistic about bitcoin's future.

"Having followed bitcoin and other cryptocurrencies for the last year and a half, I came to a realisation that the crypto markets are maturing and are mimicking traditional equity markets in terms of sentiment," Isaac Marks, a cryptocurrency enthusiast and co-founder of blockchain-based recruitment firm Bhired, told The Independent.

All markets are driven by sentiment and the cryptocurrency world is no different. The players are all the same – human beings reacting to present and mostly forward-looking price analysis. We think that the prices can potentially reach $10,000 to $12,000 in the near term as bad projects and ICO's are being vetted out, and the crypto community begins to instil trust and confidence by taking self-regulating action.

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ascading Style Sheets is a style sheet language used for describing the presentation of a document written in a markup language like HTML. CSS is a cornerstone technology of the World Wide Web, alongside 
he stuff inside the /* */ marks are CSS comments. This allows you to enter notes into CSS that will not be interpreted. In this case, this comment lets someone reading the CSS file know that that particular line of CSS was intended to allow for using ems to set font size later in the CSS in a more intuitive base 10 way

taiger

Permalink to comment# JANUARY 17, 2012

Elaborating..

/*
* === MAJOR SECTION HEADING ===
*/

/*
* — Minor Section Heading —
*/

I prefer comment to appear this way, but everyone is different how they comment. One this thing is for sure. You can never comment too much! (as they stripped anyhow in css compression).

Many coders prefer the // comment // style, However there’s one major advantage to using opening and closing sequences for comments: Since another opening sequence within a comment gets ignored, we have a quick line-based disable for experimental code during development

Your code should be well-formed. This is not a css validator which points out errors in your CSS code. To make sure that your code is valid, use the CSS Validator.

- This tool has been updated to work better with CSS3 properties!

ut there are some principles to consider during and after you write your CSS to help keep it tight and optimized. Optimization isn’t just minimizing file size — it’s also about being organized, clutter-free, and efficient. You’ll find that the more knowledge you have about optimal CSS practices, smaller file size will inevitably come as an direct result of their implementation.

 have been working at CCS Design as a contractor (More than 5 years)

Pros

Salaries are average, office has nice views and is relatively new. Digital (web/interactive) designers are treated better than packaging designers.

Cons

Company has one purpose, to provide design and computer services to The Clorox Company's creative services department. It has no reason to provide anything for its employees other than the bare minimum required by law. Every request is basically answered with "take it or leave it." If you want to make more money, you really cant ask and there havent been "raises" in over 5 years. Owner has very cozy relationship … Show More

EWPORT LEGACY ZURICH SWITZERLAND: IT’S A TOUGH TIME FOR TRADE.

This is an uncertain moment for global trade. Longstanding agreements between the United States and its biggest trading partners have been called into question by President Donald Trump. The United Kingdom is working to disconnect itself from the European Union.

Look more closely, however, and another, less-told story appears. Trade among emerging economies, with China often serving as the anchor, has been rising sharply. The world is not standing still.

Content by twofour54

How innovative VR can prosper in a creative ecosystem

We are only at the beginning of the possibilities of virtual reality. In UAE, it’s finding a role in education.

We estimate that goods trade between emerging economies, both with China and not, encompasses 20% of the value of all global trade, up from 8% in 1995. Trade between China and other emerging economies has risen 11-fold in that time, while trade among emerging economies not involving China has risen six-fold.

China runs a big trade surplus of $170 billion with emerging economies, although this is starting to shrink. Its share of labor-intensive manufacturing exports from emerging economies peaked at 56% in 2014. That shrunk to 53% in 2016 because of rising production costs.

How Trump’s trade war with China could backfire 01:35

Other emerging-market countries have been able to fill the gap left by China in labor-intensive manufacturing, including products such as textiles. Some have put reliable infrastructure and business-friendly investment conditions in place. Some countries have specialized. Vietnam has been the biggest beneficiary of this shift, through rapidly growing exports of electronics, among other things. In India, the fastest-growing manufacturing sectors include furniture-making, automotive and pharmaceuticals. Ethiopia, Rwanda and Vietnam have grown their textile exports rapidly, posting annual growth by more than 15% in the past five years. Bangladesh has also become a leading textile exporter — the sector employs about 5% of the labor force there.

China, for its part, wants to increase its share of R&D and capital-intensive production, ceding some growth in labor-intensive production. Wages in China have been rising — and that has allowed emerging economies with lower wages to better compete. This trend, if it endures, is good news for low-cost, labor-intensive manufacturing in emerging economies. Manufacturing has long been an essential pillar of development, creating jobs and economic growth. Ethiopia, for example, increased manufacturing employment by almost 10% annually between 2000 and 2010.

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Low savings account? Blame your brain

It’s an economic tenet that, eventually, manufacturing employment peaks as countries reach a higher stage of development. In recent years, that peak has been happening earlier than it used to. Harvard economist Dani Rodrik has dubbed the phenomenon “premature deindustrialization.” Nonetheless, our analysis suggests there is still room for manufacturing going forward in emerging economies. Moreover, the growth of trade between emerging economies, including China, creates a strong position for China itself. In the years ahead, China, now the world’s second-largest economy and growing faster than the United States, can become the center of an expanding trade ecosystem.

But trade can also continue to help other, smaller emerging economies grow. We studied the per capita GDP of 77 countries over half a century. We found that countries that raised their share of the global trade of goods have done significantly better than those that did not. Indeed, for the 18 outperforming countries, the share of trade inflows and outflows rose from just 7% in 1980 to 29% in 2016. That 22 percentage-point increase is matched by a 22 percentage-point decline among outflows and inflows of goods in high-income countries in the same period.

Our research also shows that the top-performing companies from those 18 countries made a clear priority of trade and global expansion. The bottom line is that trade works — it helps lift emerging economies and their businesses.

http://www.newportlegacypress.com/newport-legacy-zurich-switzerland-its-a-tough-time-for-trade-but-emerging-economies-are-moving-ahead/

NEWPORT LEGACY ZURICH SWITZERLAND:

http://www.newportlegacypress.com/brexit-four-in-10-uk-firms-to-trigger-contingency-plans-next-month-if-no-clarity-on-exit-deal-emerges/

Newport Legacy wealth management Zurich Switzerland Agree to this article.

Four in 10 UK companies say they will be forced to trigger further contingency plans as soon as next month if Theresa May’s Brexit team does not provide more clarity on a potential divorce deal with the EU.

Those plans include cutting jobs, adjusting supply chains outside the UK, stockpiling goods and relocating production and services overseas.

Of those with contingency plans 44 per cent say they will stockpile goods in anticipation of delays at the border after Brexit.

A survey of small and large UK companies by the Confederation of British Industry found that 80 per cent of firms believe Brexit has already had a negative effect on investment decisions.

This reluctance to invest is likely to have a knock-on effect for jobs, wages and living standards and could further damage UK productivity which already lags behind many other developed economies, the CBI warned.

The latest research further highlights the critical need for progress in the Brexit negotiations and comes as the prospect of no deal being agreed in time looms larger than ever.

The EU’s chief negotiator Michel Barnier said on Friday that a deal could still be sunk at the last minute by the Irish border issue, despite 90 per cent of terms being agreed.

Speaking after a summit in Brussels where EU leaders discussed progress in talks, Michel Barnier said he was “still not sure we’ll get” a withdrawal agreement.

Carolyn Fairbairn, CBI director-general, warned that the situation was now urgent and that “the speed of negotiations is being outpaced by the reality firms are facing on the ground”.

Almost a fifth of firms have said they have already been forced to trigger contingency plans and many more are readying themselves for a no-deal scenario.

“Unless a withdrawal agreement is locked down by December, firms will press the button on their contingency plans. Jobs will be lost and supply chains moved,” Ms Fairburn said.

“The knock-on effect for the UK economy would be significant. Living standards would be affected and less money would be available for vital public services including schools, hospitals and housing.

“Uncertainty is draining investment from the UK, with Brexit having a negative impact on 8 in 10 businesses.

“From a multinational plastics manufacturer which has cancelle

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Online Course For Locksmiths 

Hey! Alex here from the Locksmith Mentor!

I have had a really busy month creating my first online course for locksmiths. In fact It has taken my around 12 months to film, edit and package the locksmith course and put it online but finally it is ready!

People have asked me what content will be in the course and I have explained a lot of that in my last blog and even filmed my screen showing exactly what you will get inside the course.

Firstly I decided to separate the car/automotive course from the house/domestic course because they are so different and I didn’t want the courses to be overwhelming. I have 2 sections in each course – a business section which is all about how to set up your own locksmith business from home and also a practical section that will teach you the picking and opening skills you will need to be a locksmith.

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