Ashlee Simpson Hairstyles

One of the most popular looks for teen hairstyles today is ashlee simpson hairstyles.  She has had so many different looks through the years.  There is not wonder she is such a trendsetter.

Natasha Richardson sudden death

Natasha Richardson recently died as the result of a skiing accident.  She will be missed.  Women in America have been looking for the Natasha Richardson Hairstyles.

Kate Gosselin Hairstyle

Kate Gosselin has been become a controversial diva with all her recent publicity.  Women all over the world are looking to copy the Kate Gosselin Hairstyle.

Consumer Market Research

 
Business Market Research – Redshift provides clear and incisive business and consumer market research and data analysis.

Mortgage Rates Predictions June 05

  

  

  

  

  

  

June 5, 2008 | Rates are heading up as the battle for the 200 day moving average continues.

Mortgage Bonds were absolutely slaughtered yesterday.  The Fannie Mae Bonds opened yesterday at 99.875 and this morning we saw a low of 98.625 already.  As a reminder, Fannie Mae Mortgage Backed Securities correlate directly with Long Term Fixed Mortgage Rates.  Every -.40-.50 basis points Mortgage Bonds move is +.125% higher interest rate for consumers.  That means if yesterday morning 30 Year Fixed was 6.125% and Mortgage Bonds lost -125bp, [99.875-98.625] then this morning that same consumer would have +.25% to +.375% higher rate [6.375-6.500%].   With yesterdays notoriously misleading ADP report showing growth in employment, investors are looking for a stronger than expected employment report tomorrow.  Bonds are down -38bp at 98.81 on the day currently with no other important economic indicators scheduled for release.  Consumers should lock in their Long Term Fixed rates in this volatile market and definitely consider 5-7 Year Arms as an alterative to 30 Year Fixed since they have been improving.

Philly Fed Index

The Philadelphia Fed Index is an important survey of delivered the third week of the month that gives a look into the manufacturing sector.  50% is no change.  <50 = contracting.  >50 = expansion.  The Philly Fed Index correlates with the ISM a little over 3/4 of the time and is a key inflation indicator.  Read more

Index of Leading Economic Indicators [LEI]

The Index of Leading Economic Indicators is a collection of 10 indicators from all sectors of the economy.  The index is supposed to track trends in the market.  Read more

Fed Meeting | FOMC | Federal Open Market Committee Meeting

The FOMC is a 12 member committee that meets 8 times a year to decide short term monetary policy.  The Federal Funds Rate, the rate banks charge other banks for short term [usually overnight] money, sets the stage for all rates.  Lower rates result in more liquidity and should stimulate the economy.  Higher rates should slow the economy.  When inflation feared the Fed usually tightens their policy by raising interest rates.  The Federal Funds Rate does not directly correlate with the long term fixed rates.  Long term fixed rates enemy is inflation, stimulating the economy can increase inflation risk.  On the other hand, lowering the Fed Funds Rate is a sign that the economy is weak.  A weak economy is good for mortgage rates.  The FOMC Meeting has an ELEVATED impact on mortgage rates.

Housing Starts

Much like the name, housing “starts” are the number of residential properties that have began breaking ground [excavation of a foundation].  In theory starting construction usually means that builders are confident they will be selling the home once construction is complete.  This should generate everyone Read more

Industrial Production and Capacity Utilization

The Federal Reserve Statistical Release G.17 or Industrial Production and Capacity Utilization is a measure of the changes in production output for utilities, manufacturing, and mining, and the extent that this production is being used.  The Production divided by the Capacity gives you the Capacity Utilization rate.  Read more

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