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Do two good deeds at once by recycling used magazines where they will be read and enjoyed. Hospitals, clinics, and public and and private social service agencies don't have money in their budgets these days for subscriptions and will welcome general interest and children's publications for their waiting rooms. You might also find a neighbor or a friend who would enjoy regularly receiving magazines of special interest.

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  • Energy Star Provides Guide to Efficiency for Consumers

    Anyone who has shopped for a major appliance in the last 15 or 16 years has seen the bright yellow Energy Star sticker that is pasted to the body of each, with the most energy efficient product earning a rating as Energy Star qualified. All major home appliances must meet the Appliance Standards Program set by the US Department of Energy (DOE). Energy Guide labels will note whether the product is ENERGY STAR qualified. Not all products tested earn this qualification. Manufacturers must use standard...
 

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Mortgage Rates:
  • 30 Yr FRM 3.50%
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  • 15 Yr FRM 3.50%
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  • Jumbo 30 Year Fixed 4.50%
MBS Prices:
  • 30YR FNMA 4.5 107-12 (-0-06)
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  • 30YR FNMA 5.0 107-30 (0-22)
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  • 30YR FNMA 5.5 109-02 (-0-17)
Recent Housing Data:
  • Mortgage Apps 15.13%
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  • Refinance Index 25.99%
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  • Purchase Index -2.67%
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