Life, Lessons, Encouragement and a little market insight to boot

Well after a solid couple weeks of very good weather with many of the days in the 70's Denver, as much of Colorado, is seeing snow falling tonight and the forecasts are calling for up to 7 inches in parts of Denver and over a foot in the mountains and foothills. All I have to say is Thank God tom...

I just wanted to take a few moments before getting ready to go out tonight myself (with my wife of course lol) and just wish everyone here a Happy Valentine's Day! Remember to love your spouse, especially on this day, but just as important to do this everyday. Sure we all have days when this is m...

It always amazes me at how we go through Continuing Education, initial education and constant rehashing of morals, ethics and ways you do things and ways you don't. Then we get people in leadership that do the exact opposite of what "we are taught" and what we know to be the way to do things and ...

No not the daily grind with triumphs and tragedies we all face but the actual game of LIFE. One of  my kids wanted to do something different tonight so we just finished dinner and started a board game of which I took home a solid 2nd place. Got stuck with 2 kids... hmmm I mean blessed with them (...

I was inspired to write this post because of a post I commented on from Patricia Feager. She asked a very poignant question regarding the upcoming changes to the way FNMA & FHLMC (fannie and freddie) are going to now look at appraisals. In an already challenged market do we really need to constan...

Today brought about a rocky end to an otherwise uneventful week. The FNMA coupon opened with a big loss of over 30bps to start the day and added an additional 42 bps giving the days loss at a hefty 72bps. This equates to appx a 3/4 point hit to PRICE not Rate. Price means if a certain rate (lets...

Ever wonder what direction rates are going? Well you first of all need to read a great blog that has insight and can give you direction... maybe mine perhaps. Next you have to remain calm. in this chaos market you have to expect change but don't panic as fast as it improves or deteriorates it can...

Another week of likely low rates ahead of us. The bonds are in a little wave right now of minor ups and downs as investors look for traction on a set direction. Since I do not believe they will find that expect rates to remain close to current levels. Here is the data driving this weeks ebb and ...

OK Admittedly I am not a huge Pete Carroll fan but I also don't know him so that not really a fair assessment. Since what I do know comes from on screen actions and media, its very easy to see that skewed. I see the end of the Super Bowl and watch a tragic play alter a game, that Seattle honestly...