employment: Part-Time Jobs, Second Jobs and Your Mortgage Application
- 02/14/20 06:44 AM
Part-Time Jobs, Second Jobs and Your Mortgage Application
I remember thumbing through the Recycler in Los Angeles when I first moved out there as a teenager. Living on a shoestring budget, I was especially intrigued by the ads that promised the ability to make thousands per month while sitting in the comfort(?) of your home. In my mind, that meant I could keep my day job, practice guitar eight hours and day and still have some other check rolling in without too much trouble. Who wouldn't like that? I never actually pursued any of these trinket-making, envelope-stuffing, part-soldering side hustles, but the reality … (5 comments)
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employment: Lock Watch for the Week of 4/29/2019
- 04/28/19 08:06 AM
Lock Watch for the Week of 4/29/2019
Volatility-O-Meter:
FOMC meeting and announcement this week, but no rate change expected. Still, watch the language and watch the employment report on Friday too.
Economicalendar (all times are Pacific):
Mon, 4/29: Personal Income and Outlays (5:30am).
Tues, 4/30: Case-Shiller HPI (6am), Chicago PMI (6:45am), Consumer Confidence and Pending Home Sales (7am).
Weds, 5/1: ADP Employment Report (5:15am), PMI Mfg Index (6:45am), Construction Spending (7am) and FOMC Announcement (11am).
Thurs, 5/2: Jobless Claims and Productivity and Costs (5:30am), Factory Orders (7am). Fed Balance Sheet (1:30pm).
Fri, 5/3: Employment Situation and Int'l Trade in Goods (5:30am), ISM … (1 comments)
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employment: Can You Get a Mortgage with an ITIN?
- 01/30/19 07:20 AM
Can You Get a Mortgage with an ITIN?
The fact is, despite a very hotly contested immigration debate today in our nation, there are likely several million people in the United States who do not have a Social Security number (SSN), but pay billions in taxes every year. These individuals might be non-resident foreign nationals who receive taxable income from a US business. Or they may be dependents or spouses of citizens or permanent residents (green card holders) or foreign nationals on work visas. But if they earn income here, how would they file a tax return without an SSN, you might ask? … (0 comments)
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employment: Lock Watch for the Week of 1/28/2019
- 01/27/19 08:22 PM
Lock Watch for the Week of 1/28/2019
Volatility-O-Meter:
The shutdown is over and that's great news. Remarkably the market shrugged it off on Friday though we may bear the brunt of that this week, with both a full slate of important reports, GDP, an FOMC statement and auctions as well.
Economicalendar (all times are Pacific):
Mon, 1/28: Dallas Fed Mfg Survey (7:30am), 2-Yr Note Auction (8:30am), 5-Yr Note Auction (10am).
Tues, 1/29: International Trade in Goods (5:30am), Consumer Confidence (7am), 7-Yr Note Auction (10am).
Weds, 1/30: ADP Employment (5:15am), GDP (5:30am), FOMC Meeting Announcement (11am).
Thurs, 1/31: Jobless Claims, Personal Income and Outlays … (2 comments)
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employment: Lock Watch for the Week of 7/2/2018
- 07/01/18 08:39 AM
Lock Watch for the Week of 7/2/2018
Volatility-O-Meter:
While it may be a holiday week, there are a number of big reports, including employment on Friday. Short staffing at trading desks could heighten bond market volatility.
Economicalendar (all times are Pacific):
Mon, 7/2: PMI Manufacturing Index (6:45am), ISM Manufacturing (7am) and Construction Spending (7am).
Tues, 7/3: Factory Orders (7am).
Weds, 7/4: Independence Day.
Thurs, 7/5: ADP Employment (5:15am), Jobless Claims (5:30am), ISM Non-Mfg Index (7am). FOMC Minutes (11am).
Fri, 7/6: Employment Situation and International Trade (5:30am).
10-Year Treasury History
2.85% Today's Open
2.89% One Week Ago
2.94% One Month Ago
2.35% One … (0 comments)
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employment: Lock Watch for the Week of 4/23/2018
- 04/21/18 08:14 PM
Lock Watch for the Week of 4/23/2018
Volatility-O-Meter:
Busy week of reports and auctions. GDP on Friday.
Economicalendar (all times are Pacific):
Mon, 4/23: PMI Composite Flash (6:45am) and Existing Home Sales (7am).
Tues, 4/24: New Home Sales, Consumer Confidence and Richmond Fed Mfg Index (7am). 2-Yr Note Auction (10am).
Weds, 4/25: 5-Yr Note Auction (10am).
Thurs, 4/26: Durable Goods, International Trade in Goods and Jobless Claims (5:30am). 7-Yr Note Auction (10am).
Fri, 4/27: GDP (5:30am), Chicago PMI (6:45am) and Consumer Sentiment (7am).
10-Year Treasury History
2.98% Today
2.85% One Week Ago
2.82% One Month Ago
2.28% One Year Ago
R. Lee Ermey
Well, I … (1 comments)
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employment: Jumbo Mortgage with an H-4 Visa
- 04/15/18 08:07 PM
Jumbo Mortgage with an H-4 Visa
"I pledge my head to clearer thinking,
my heart to greater loyalty,
my hands to larger service,
and my health to better living,
for my club, my community,
my country and my world."
Hold on a second! That's the pledge for 4-H Club, Rob, and you're supposed to be discussing the H-4 visa here. You've got it backwards. Ah yes....sorry about that.
The H-4 visa. This is a visa issued by the U.S. Citizenship and Immigration Services (USCIS) to immediate family members of H-1B visa holders. These individuals are not US citizens or permanent resident aliens (green card holders) but "non-permanent resident aliens." Make … (3 comments)
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employment: Lock Watch for the Week of 3/5/2018
- 03/03/18 09:28 PM
Lock Watch for the Week of 3/5/2018
Volatility-O-Meter:
High. No surprise here. There are enough reports below to make things interesting even if trade wars weren't so easy to win.
Economicalendar (all times are Pacific):
Mon, 3/5: ISM Non-Mfg Index (7am).
Tues, 3/6: Factory Orders (7am.
Weds, 3/7: ADP Employment (5:15am), International Trade (5:30am) and Productivity and Costs (5:30am).
Thurs, 3/8: Jobless Claims (5:30am).
Fri, 3/9: Employment Situation (5:30am).
10-Year Treasury History
2.84% Today
2.86% One Week Ago
2.77% One Month Ago
2.49% One Year Ago
Fraunces Tavern
In December of 1783, George Washington bid his troops farewell at the Fraunces Tavern in lower … (1 comments)
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employment: Retired. But Not from Home Buying.
- 11/28/17 07:24 AM
Retired. But Not from Home Buying.
I live in an aging county. Simply drive north across the Golden Gate Bridge from San Francisco. Did you feel yourself getting older? Even if not, Marin County's residents, with their 46.1-year old median age, will welcome you to one of the most special places in the USA. I'm willing to bet it won't be too long before one of our residents will tell you that our median home price, at least at the end of 2017, is hovering right around $1,100,000. So what happens when a retired person wants to buy a home in a high-cost … (14 comments)
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employment: Not Your Grandfather's Stated Income Loan
- 02/14/17 06:18 AM
Not Your Grandfather's Stated Income Loan
Stated income. No other phrase in the realm of home lending evokes as many good and bad memories, does it? For some --- mostly loan originators who wore an ethical stripe of a different color --- the days of the liar loans are fondly remembered as "the boom years." So too by their customers, suspecting or otherwise. Though in that case the "boom" signaled the implosion of their financial houses, often along with the four walls they inhabited.
But we're not going down that memory lane again today and we're definitely not talking about some no doc … (20 comments)
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employment: Non-Permanent Resident Alien Mortgages
- 02/09/13 11:10 PM
… (5 comments)
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employment: Housing THEN Jobs: Now Buffett's a Believer!
- 07/08/11 03:36 PM
… (3 comments)
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Part-Time Jobs, Second Jobs and Your Mortgage Application
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