Is your local economy slowing or growing? Aside from the real estate business what are you seeing? Is your employer spending money on new technology and increasing payroll or are they cutting back and watching expenses more than usual? In your personal life are you going out to dinner less, shopping less or are you living the same way you were a few years ago. Are you better off than say 2004? Do you plan on buying a new car or house in the next year? Is your bank account higher or lower than a few years ago? http://www.mymilwaukeemortgage.com