Monthly Archives: December, 2007
Making Your Home More Environmentally Friendly
One: Use Fluorescent Bulbs. Replace conventional incandescent light bulbs with compact fluorescent light bulbs (CFLs). They cost a little more, but last up to 10 times longer, use two-thirds less energy and give off 70 percent less heat. Two: Look for the Energy Star Label. Energy Star-qualified refrigerators use about half as much energy as [...]
Does a Drop in the Federal-Funds Rate Influence Fixed-Rate Mortgage?
Mortgage rates actually follow the bond market, not the Fed-funds rate. The interest rate on a 30-year fixed-rate mortgage tracks the yield on the 10-year Treasury note. Lenders typically set their base mortgage rate around two percentage points higher than the 10-year bond yield. Rates on adjustable-rate mortgages are tied to yields on two-, three- [...]
Keeping Kids Calm During the Holidays
Children are usually happy around the holidays – there is no school, they get to hang out with their friends and they get to sleep in late. Unfortunately, not all kids are in good cheer. Like many adults, children and teenagers can get stressed during the holidays. How can you tell if a child is [...]
Block Pre-Approved Credit Card Offers
Want to block the aggravation of unwanted pre-approved credit card offers? Consider “opting out”. You will have to provide your name, address and social security number but they are free of charge and backed by the three major credit bureaus. www.optoutprescreen.com OptOutPreScreen.com Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are [...]
Homes’ Sales Prices – October 2007
Are You Thinking of Buying or Selling a Home in Folsom, Granite Bay, or El Dorado Hills in the Near Future or Know Someone Who is? Please call Patrick for a personal interview and property assessment with no obligation. Home Sale Price Medians by City for October 2007 County/City/Area # Sold 7-Oct 6-Oct % Change [...]
