You may reach me via email:
or the voicemail of death (I may not get to your call):
Ash's favorite wedding pic
Join the Web Success Agency and me for our next Intentionally Digital Workshop - It's June 21st at our iHeartRadio studio in West Palm Beach. For more info and to register click here:
Cheat Sheet Q & A:
Bottom Line: Today’s question / topic is with regard the Florida Mortgage settlement checks that should be in the mail.
The National Mortgage settlement checks have already gone out to victims of improper lending and/or foreclosure activity. That program was one that I paid a great deal of attention to as many victims were confused as to what they would receive, when they would receive and who the check would be coming from (Rust Consulting). For Floridians that was just one part of the equation.
The state of
If you have any additional questions click the link to the AG’s office below:
If you have a question or topic you’d like me to address email me: email@example.com
The one, two punch that's hitting you at the pump:
Bottom Line: If you’ve filled up over the last week you’ve likely noticed that gas just became more expensive again. So what’s going on and what can you expect from here?
There are two key reasons this is occurring:
As I type this oil is at about $98 per barrel. That’s up about $7 per barrel over the last three weeks. The main culprit is new instability within
There are two different federally mandated unleaded gas blends. The summer and winter blends. The summer blend is more expensive to refine. The added cost adds between 12-15 cents per gallon to the cost of gas over the winter blend. Federal law mandated that gas stations must be using the summer blend on June 1st. So the result is a two step increase we’re forced to deal with when we fill up. So where do we go from here? Based on the recent run up in the oil market and current pricing, we likely will see an increase cents per gallon over the next week or two.
Economists do an about face - now say that Fed will change course this fall:
Bottom Line: Will you ever see a 3.5% 30 year fixed rate mortgage again? Anything is possible but I think it’s highly unlikely.
Since the start of the year I’ve been warning that I believed that sometime during 2013 the Federal Reserve would change its policy of QE unlimited and interest rates (specifically mortgage rates) would rise. The average economist had a different point of view – until now.
At the start of May, 75% of the top economist issued the guidance suggesting that the Federal Reserve would continue the same policy of $85 billon of QE per month through the end of 2013 and key interest rates at 0%. In the survey of the same economists released last Friday, 70% now believe that the policy will begin to change this year (and actually by this fall). So the economists have completed changed their point of view. So what does this mean to you?
If the Fed does pull back on the bond buying program of QE, you’ll see the impact in mortgage rates, which will be higher because the Fed has been buying mortgage debt with the $85 billion per month to help keep rates super low. You’ll also likely see the impact in the stock market.
The policy of QE and 0% interest rates has created an environment that’s been favorable for real-estate (because of record low mortgage rates) and the stock market as investors haven’t been able to turn to other popular investments because of low rates of return. You’ve actually already begun to see the impact from just the threat of this policy change occurring.
For the first time in over a year the average 30 year fixed rate mortgage is over 4% and the stock market saw its first 3 day losing streak of the year last week. If you’re still trying to time the financial markets, that could end up costing you in the long run. The conditions had to change sooner or later and it appears as though it’ll be sooner.
Dad works hard for his Day:
Bottom Line: If you’re a Dad hopefully you had a wonderful Father’s Day. The odds are that you earned it. The
Dads certainly have taken a far more active role in the raising of children and pulling their weight around the house. I find this to be a bit of a pleasant surprise and perhaps an indication that the family unit isn’t as broken as it might appear at times.
Developing apps for Windows 8 just became much more profitable:
Bottom Line: Microsoft like any consumer products company realizes that the platform that’s created is only a good or viable as the software that’s created to operate on that platform. If there are particular apps that you love on your mobile device, you’ll also want those on the next device you use.
Microsoft, which has less than 5% of mobile market share currently, has been aggressive in trying to ensure that app developers develop for the Windows 8 mobile system. Thus far Microsoft has offered $100 for every app that’s accepted into their store (capped at $2000). Apparently there have been some developers that have been much more lucrative.
Microsoft has been offering popular app makers $100,000 per popular app. In essence Microsoft has been looking at what’s popular for iOS and Android and if they don’t have those apps in their store, they’re paying pretty good money to make it happen. Pretty smart, now will it work to win you over?
The new asbestos may be in your driveway or at work in the parking lot:
Bottom Line: Could there be an asbestos like situation that’s about to occur? The product in question is coal tar. So what is coal tar and what is it used for?
Coal tar is a coal based substance that used as a sealant in some types of pavement. If you’ve ever smelled what seemed to be a coal like or pavement smell for old pavement in hotter months, there is a good chance that it contains coal tar which is used to extend the life of the pavement. So what’s the issue?
The National Toxicology Program has identified coal tar as a human carcinogen and research now shows that long term breathing of coal tar fumes can greatly increase ones risk of cancer. So far