tag:blogger.com,1999:blog-144580472024-02-28T06:05:45.496-08:00Southern Oaks Mortgage, Inc.One of the best small boutique Mortgage Brokers in California! Client always comes first! CA DRE Lic. No. 01458657Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.comBlogger86125tag:blogger.com,1999:blog-14458047.post-15587470165634665442018-07-11T15:02:00.001-07:002018-07-11T15:02:43.983-07:00New Product from Freddie Mac, HomeOne!<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/UwjiwT9Fzi4" width="480"></iframe>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-52227808047691388672016-08-30T11:44:00.000-07:002016-08-30T11:44:23.599-07:00This week in review!!!<div class="Publishwithline">
This week in Review<o:p></o:p><w:sdtpr></w:sdtpr></div>
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<span style="color: #17365d; font-size: 26.0pt; mso-themecolor: text2; mso-themeshade: 191;">Provided to you by<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #292929; font-size: 26.0pt;">Jeff
Eisenberg</span></b><span style="color: #0e3b94; font-size: 26.0pt;"><o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Jeff Eisenberg<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Southern Oaks Mortgage, Inc.<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Office # 661-964-2600<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Cell # 661-904-5989<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">Email: jeff@somloans.com<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">NMLS: 236681<o:p></o:p></span></div>
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<span style="font-size: 12.0pt;">CalBRE Lic.# 01458657 <o:p></o:p></span></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Weekly Review</span></b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Bond prices fell
and yields rose, predominately on Friday, as a greater number of investors came
to the realization that the Federal Reserve’s Federal Open Market Committee
(FOMC) could raise interest rates as soon as their next meeting on September
20-21.<span style="mso-spacerun: yes;"> </span>The financial markets essentially
“tread water” during the week in anticipation of what Fed Chair Janet Yellen would
say about future monetary policy during the Fed’s annual Jackson Hole symposium
late Friday morning.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">While Yellen didn’t
specify when the FOMC might raise interest rates, she stated the FOMC "continues
to anticipate that gradual increases in the federal funds rate will be
appropriate over time to achieve and sustain employment and inflation near our
statutory objectives.<span style="mso-spacerun: yes;"> </span>Indeed, In light
of the continued solid performance of the labor market and our outlook for
economic activity and inflation, I believe the case for an increase in the
federal funds rate has strengthened in recent months.”<span style="mso-spacerun: yes;"> </span>She also commented that the Fed still
believes future rate increases should be “gradual” and data dependent.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Speaking of data
dependency, Fed Vice Chair Stanley Fischer previously said the August
Employment Situation Summary (Jobs Report) would be a major factor in
determining the FOMC's decision on whether or not to raise rates at their
September meeting on September 21.<span style="mso-spacerun: yes;"> </span>As a
result, the next jobs report scheduled to be released on Friday, September 2
will take on added significance for investors.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">In housing news, New
Home Sales reached their highest level in almost nine years during July by
climbing an extremely robust 12.4% to a seasonally adjusted annual rate of
654,000 units.<span style="mso-spacerun: yes;"> </span>The consensus forecast
had been for a reading of 580,000 homes.<span style="mso-spacerun: yes;">
</span>June's sales rate was revised lower to 582,000 units from the previously
reported 592,000 units.<span style="mso-spacerun: yes;"> </span>On an annual basis,
New Home Sales were 31.3% higher than a year ago.<span style="mso-spacerun: yes;"> </span>New home inventory fell 2.9% to 233,000
units, the lowest level since November 2015 and at July's sales pace it would
only take 4.3 months to clear the current supply of new houses on the
market.<span style="mso-spacerun: yes;"> </span>The median sale price for a new
home was reported at $294,600, a 0.5% decline from a year ago.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Additionally, the
US Federal Housing Finance Agency (FHFA) released their Housing Price Index for
June showing a 0.2% increase following a 0.2% gain in May.<span style="mso-spacerun: yes;"> </span>Economists had expected a slightly stronger
gain of 0.3%.<span style="mso-spacerun: yes;"> </span>According to the FHFA, housing
prices have gained 5.6% from the second quarter of 2015.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">Furthermore, the
National Association of Realtors reported Existing Home Sales fell 3.2% in July
to a seasonally adjusted annual rate of 5.39 million units.<span style="mso-spacerun: yes;"> </span>Existing Sales were 1.6% lower than the year
ago period and were below the consensus forecast of 5.54 million but still
remain strong.<span style="mso-spacerun: yes;"> </span>The median home price
increased to $244,100, a 5.3% gain from the year ago period.<span style="mso-spacerun: yes;"> </span>The dip in sales in July may be temporary
however as there may have been a bottleneck in the sales process due to delays
with appraisals.<span style="mso-spacerun: yes;"> </span>Many real-estate agents
have complained about delays with appraisals so if this problem gets resolved,
sales going forward could pick up.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_2" o:spid="_x0000_i1029" type="#_x0000_t75" style='width:456pt;
height:258pt;visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\jeff\AppData\Local\Temp\msohtmlclip1\01\clip_image009.png"
o:title=""/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">As for mortgage
lending, the Mortgage Bankers Association (MBA) released their latest Mortgage
Application Data for the week ending August 19th showing the overall seasonally
adjusted Market Composite Index decreased 2.1%.<span style="mso-spacerun: yes;">
</span>The seasonally adjusted Purchase Index fell 0.3% from the prior week,
while the Refinance Index decreased 3.0%.<span style="mso-spacerun: yes;">
</span>Overall, the refinance portion of mortgage activity increased to 62.4%
of total applications from 62.6%.<span style="mso-spacerun: yes;"> </span>The
adjustable-rate mortgage share of activity was unchanged from 4.6% of total
applications.<span style="mso-spacerun: yes;"> </span>According to the MBA, the
average contract interest rate for 30-year fixed-rate mortgages with a
conforming loan balance increased from 3.64% to 3.67% with points increasing to
0.34 from 0.31.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">For the week, the
FNMA 3.0% coupon bond lost 1.5 basis points to end at $103.52 while the 10-year
Treasury yield increased 4.81 basis points to end at 1.6279%.<span style="mso-spacerun: yes;"> </span>Stocks ended the week lower with the Dow
Jones Industrial Average losing 157.17 points to end at 18,395.40.<span style="mso-spacerun: yes;"> </span>The NASDAQ Composite Index dropped 19.46
points to close at 5,218.92, and the S&P 500 Index fell 14.83 points to
close at 2,169.04.<span style="mso-spacerun: yes;"> </span></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Year to date, and
exclusive of any dividends, the Dow Jones Industrial Average has gained 5.28%,
the NASDAQ Composite Index has added 4.05%, and the S&P 500 Index has advanced
5.77%.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">This past week, the national average 30-year
mortgage rate decreased to 3.41% from 3.42% while the 15-year mortgage rate decreased
to 2.75% from 2.76%.<span style="mso-spacerun: yes;"> </span>The 5/1 ARM mortgage
rate rose to 2.86% from 2.85%.<span style="mso-spacerun: yes;"> </span>FHA
30-year rates held steady at 3.25% while Jumbo 30-year rates decreased to 3.51%
from 3.53%.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Mortgage Rate Forecast with Chart<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: Arial;">For the week, the FNMA 30-year 3.0% coupon bond ($103.52, -1.50 basis points)
traded within a wider 44 basis point range between a weekly intraday high of
$103.88 on Friday and a weekly intraday low of $103.44, also on Friday, before
closing the week at $103.52.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">The bond initially
moved higher ahead of Janet Yellen’s speech Friday morning and continued to
trade a little higher immediately afterward.<span style="mso-spacerun: yes;">
</span>However, when traders heard subsequent comments made by Vice Chair
Stanley Fischer during an interview on CNBC two hours later, they felt there
was increased “hawkish” sentiment among Fed officials.<span style="mso-spacerun: yes;"> </span>Fischer said the comments in Yellen’s speech
“were consistent with the idea there could be a rate hike in September and
again later in the year,” and this helped to trigger a sell-off in bonds Friday
afternoon.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi;">The
day’s action resulted in move below the 25 and 50-day moving averages (MA)
located at $103.696 and $103.61 respectively.<span style="mso-spacerun: yes;">
</span>The 50-day MA reverts to closest resistance while the 38.2% Fibonacci
retracement level at $103.15 becomes the next support level.<span style="mso-spacerun: yes;"> </span>The slow stochastic oscillator now shows a
solid negative crossover sell signal with the %K line falling below the %D line
suggesting a continuing move lower in bond prices that may result in slightly
higher rates.</span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Chart:<span style="mso-spacerun: yes;"> </span><span style="mso-bidi-font-weight: bold;">FNMA
30-Year 3.0% Coupon Bond<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; tab-stops: 121.5pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_7" o:spid="_x0000_i1028" type="#_x0000_t75" style='width:518.25pt;
height:280.5pt;visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\jeff\AppData\Local\Temp\msohtmlclip1\01\clip_image011.png"
o:title=""/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span></b><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in; tab-stops: 121.5pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";">Economic Calendar - for the Week of August
29, 2016<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 4.5pt; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: -13.5pt; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The
economic calendar features several reports on the labor sector highlighted by
the August Employment Situation Summary (Jobs Report) on Friday.<span style="mso-spacerun: yes;"> </span>Economic reports having the greatest
potential impact on the financial markets are highlighted in bold.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="background: #6DD9FF; border-top: solid windowtext 1.0pt; border: solid #999999 1.0pt; margin-left: 40.95pt; mso-border-alt: solid #999999 .75pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-border-top-alt: solid windowtext .5pt; mso-cellspacing: 0in; mso-padding-alt: 0in 0in 0in 0in; mso-yfti-tbllook: 1184; width: 703px;">
<tbody>
<tr style="height: 26.95pt; mso-height-rule: exactly; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Date<o:p></o:p></span></b></div>
</td>
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Time<o:p></o:p></span></b></div>
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">ET<o:p></o:p></span></b></div>
</td>
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Event /Report /Statistic<o:p></o:p></span></b></div>
</td>
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For<o:p></o:p></span></b></div>
</td>
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Market Expects<o:p></o:p></span></b></div>
</td>
<td style="border: solid windowtext 1.0pt; height: 26.95pt; mso-border-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div align="center" class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Prior<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 1;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
29<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Personal
Income<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.4%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.2%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 2;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
29<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Personal
Spending<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.3%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.4%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 3;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
29<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Core
PCE Prices<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.1%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.1%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 4;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug 30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">09:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Case-Shiller 20-city Index<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">June<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">5.1%<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">5.2%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 5;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug 30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Consumer Confidence<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">97.0<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">97.3<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 6;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug 31<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">07:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">MBA Mortgage Index<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08/27<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 7;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
31<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:15<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">ADP
Employment Change<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">170K<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">179K<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 8;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug 31<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">09:45<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Chicago Purchasing Managers Index<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">54.5<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">55.8<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 9;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
31<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:00<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Pending
Home Sales<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.7%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.2%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 10;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug
31<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Crude
Oil Inventories<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08/27<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 11;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">07:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Challenger Job Cuts<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-57.1%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 12;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep
01<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Initial
Jobless Claims<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08/27<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">265K<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">261K<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 13;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Continuing Jobless Claims<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08/20<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">NA<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2145K<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 14;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Revised Productivity<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2<sup>nd</sup> Qtr.<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-0.6%<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-0.5%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 15;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Unit Labor Costs - Revised<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2<sup>nd</sup> Qtr.<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.1%<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.0%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 16;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Construction Spending<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.6%<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-0.6%<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 17;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 01<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">ISM Index<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">52.2<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">52.6<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 18;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep
02<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Nonfarm
Payrolls<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">180K<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">255K<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 19;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep
02<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Nonfarm
Private Payrolls<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">175K<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">217K<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 20;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep
02<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Unemployment
Rate<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4.8%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4.9%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 21;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep
02<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Hourly
Earnings<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.2%<o:p></o:p></span></b></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">0.3%<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 22;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 02<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Average Workweek<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Aug<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">34.5<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">34.5<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 23;">
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 02<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">08:30<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Trade Balance<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-$43.0B<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: none; border-left: solid windowtext 1.0pt; border-right: solid windowtext 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-$44.5B<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 14.35pt; mso-height-rule: exactly; mso-yfti-irow: 24; mso-yfti-lastrow: yes;">
<td style="background: white; border-top: none; border: solid windowtext 1.0pt; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 49.05pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sep 02<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: solid windowtext 1.0pt; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: .5in;" width="48">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">10:00<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: solid windowtext 1.0pt; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 274.5pt;" width="366">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Factory Orders<o:p></o:p></span></div>
</td>
<td style="background: white; border-top: none; border: solid windowtext 1.0pt; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 0in; width: 49.1pt;" width="65">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">July<o:p></o:p></span></div>
</td>
<td style="background: white; border-bottom: solid windowtext 1.0pt; border-left: solid windowtext 1.0pt; border-right: dotted #979797 1.0pt; border-top: none; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: dotted #979797 .75pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.3pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.0%<o:p></o:p></span></div>
</td>
<td style="background: white; border-top: none; border: solid windowtext 1.0pt; height: 14.35pt; mso-background-themecolor: background1; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; mso-height-rule: exactly; padding: 0in 0in 0in 3.75pt; width: 59.6pt;" width="79">
<div class="MsoNormal" style="line-height: 13.5pt; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">-1.5%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: .5in; margin-top: 0in;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 41.4pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 1184; width: 90%px;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0; mso-yfti-lastrow: yes;">
<td style="background: #C6D9F1; border: solid windowtext 1.0pt; mso-background-themecolor: text2; mso-background-themetint: 51; mso-border-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 100.0%;" valign="top" width="100%">
<div align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 9.0pt; margin-top: 0in; text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 0in; margin-right: 9.0pt; margin-top: 0in; text-align: center;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;">Upcoming Federal Reserve FOMC
Meeting Schedule & Rate Hike Probability **<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border-collapse: collapse; border: none; margin-left: .55in; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-padding-alt: 0in 0in 0in 0in; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 91%px;">
<tbody>
<tr style="height: .1in; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNoSpacing" style="margin-left: 18.9pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">September
2016<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">20-21, (Tuesday-Wednesday)</span></b><span style="font-family: "Arial","sans-serif";"> </span><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">*<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">36.0% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNoSpacing" style="margin-left: 18.9pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">November
2016<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">1-2, (Tuesday-Wednesday)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">38.3% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 2;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.9pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">December 2016<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">20-21 (Tuesday-Wednesday)*<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">46.1% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 3;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.9pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">February 2017<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.15pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">01/31-02/01 (Tuesday-Wednesday)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">45.5% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 4;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.9pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">March 2017<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.15pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><span style="mso-spacerun: yes;">
</span>14-15 (Tuesday-Wednesday)</span></b> <b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">*<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">44.0% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 5;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.9pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">May 2017<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.15pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><span style="mso-spacerun: yes;">
</span>02-03 (Tuesday-Wednesday)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">43.4% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 6;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 18.9pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">June 2017<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 5.15pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><span style="mso-spacerun: yes;">
</span>13-14 (Tuesday-Wednesday)</span></b> <b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">*<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">40.6% Chance<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: .1in; mso-yfti-irow: 7; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .05in; width: 24.06%;" valign="top" width="24%">
<div class="MsoNoSpacing" style="margin-left: 18.9pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">July
2017<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 4.8pt 0in 4.8pt .25in; width: 47.68%;" valign="top" width="47%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">25-26, (Tuesday-Wednesday)<o:p></o:p></span></b></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: .1in; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0in 0in 0in 0in; width: 28.26%;" valign="top" width="28%">
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 26.75pt; margin-right: 9.0pt; margin-top: 0in;">
<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">40.2% Chance<o:p></o:p></span></b></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">* Meeting
associated with a Summary of Economic Projections and a press conference by the
Fed Chairman.<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">** Probability
generated from the <span style="mso-bidi-font-weight: bold;">CME Group FedWatch
tool based on the 30-day Fed Funds futures prices.</span></span></b><b><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 14.0pt;">Road Signs – <span style="mso-bidi-font-weight: bold;">How
much screen time is good for kids?</span></span></b><b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-bidi-font-weight: bold;">By</span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">
<span style="mso-bidi-font-weight: bold;">Vanessa LoBue, </span>Assistant
Professor of Psychology, Rutgers University Newark<o:p></o:p></span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape id="Picture_x0020_8"
o:spid="_x0000_i1027" type="#_x0000_t75" alt="https://62e528761d0685343e1c-f3d1b99a743ffa4142d9d7f1978d9686.ssl.cf2.rackcdn.com/files/110217/width926/image-20160203-5865-1ludk9x.jpg"
style='width:3in;height:2in;visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\jeff\AppData\Local\Temp\msohtmlclip1\01\clip_image013.jpg"
o:title="image-20160203-5865-1ludk9x"/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt;">The amount of time kids are spending on mobile devices is
increasing. <o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">In 2011,
the American Academy of Pediatrics (AAP) released a bold
recommendation: children under the age of two should not watch any television,
and slightly older children should be limited to two hours of screen time per
day.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">A recent
report shows that children’s screen time continues to increase: in 2013,
38 percent of kids under two were found to have used a mobile device for media,
compared to 10 percent in 2011.<span style="mso-spacerun: yes;"> </span>The
number of children using mobile devices on a daily basis has more than doubled
during this period – from 8 percent to 17 percent.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The AAP
has announced that it will be revising its screen time policies this
fall to reflect current trends in technology use among U.S. families.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">This fast-growing
media industry – and more specifically the growing market for children’s media
– poses the inevitable questions for parents: whether screen time is bad for
children and whether children can learn during screen time.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">What children learn
from screens<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">There is substantial
evidence that preschool children can learn from educational media.<span style="mso-spacerun: yes;"> </span>For example, a 2001 study showed
that watching educational programs at ages two and three could improve academic
skills, including reading, vocabulary and math.<span style="mso-spacerun: yes;">
</span>These kids performed better on standardized tests and general school
readiness assessments, when tested some years later.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_9" o:spid="_x0000_i1026" type="#_x0000_t75" alt="https://62e528761d0685343e1c-f3d1b99a743ffa4142d9d7f1978d9686.ssl.cf2.rackcdn.com/files/110218/width754/image-20160203-5834-w59p62.jpg"
style='width:215.25pt;height:152.25pt;visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\jeff\AppData\Local\Temp\msohtmlclip1\01\clip_image015.jpg"
o:title="image-20160203-5834-w59p62"/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt;">Educational programs such as ‘Sesame Street’ can improve
academic skills. <o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">A more
recent study that examined the long-term effects of watching “Sesame
Street” from the time the show first aired in 1969 found that kids who watched
the program showed better academic skills.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">The researchers
reported that children who lived in areas that had access to the show were
about 14 percent less likely to fall behind in school than children who did not
have access.<span style="mso-spacerun: yes;"> </span>This effect was especially
pronounced for children living in socioeconomically disadvantaged areas.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Similar learning
benefits have been reported for other educational programs as well.<span style="mso-spacerun: yes;"> </span>For example, one study reported
that kindergarteners who viewed “Between the Lions” (a PBS show designed to
promote reading) scored higher on standardized tests of reading skill than
those who did not watch the show.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Here’s a cautionary
note about infants<o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">However, this does
not mean that all children can learn from educational media, that every show is
educational and that there aren’t better ways to learn.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Children do not
necessarily learn from every television show they watch.<span style="mso-spacerun: yes;"> </span>The same 2001 study that reported
that children who watch educational programs score better on standardized tests
also reported that preschool children who watched non-educational, general
audience programs showed <i>poorer</i> performance on standardized
tests of vocabulary and math than those who did not.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Furthermore, there is
little evidence that infants under the age of two can learn from educational
media at all, including television and touchscreens.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">In fact, it is
unclear whether infants under two can even understand the content of what they
see on television and whether they can transfer information that they see
in a two-dimensional format to the real world.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-no-proof: yes;"><!--[if gte vml 1]><v:shape
id="Picture_x0020_11" o:spid="_x0000_i1025" type="#_x0000_t75" alt="https://62e528761d0685343e1c-f3d1b99a743ffa4142d9d7f1978d9686.ssl.cf2.rackcdn.com/files/110219/width754/image-20160203-5865-106bb6a.jpg"
style='width:3in;height:144.75pt;visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\jeff\AppData\Local\Temp\msohtmlclip1\01\clip_image017.jpg"
o:title="image-20160203-5865-106bb6a"/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt;">There is little evidence that infants gain from
educational media. <o:p></o:p></span></b></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Researchers who
examined a popular educational DVD designed to teach 12- to 18-month-old
infants new words found that not only did they show no gains in vocabulary, but
also that the best improvement in vocabulary came when parents taught them new
words.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Being wise about
screen time<o:p></o:p></span></b></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">So, how should
parents think about their kids' screen time?<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">First, age
matters.<span style="mso-spacerun: yes;"> </span>As mentioned above,
preschoolers can learn from age-appropriate educational media.<span style="mso-spacerun: yes;"> </span>But, there is no evidence that infants can
learn from screens.<span style="mso-spacerun: yes;"> </span>So parents should
have very few expectations about what children under the age of two can gain
from watching television.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Second, content
matters.<span style="mso-spacerun: yes;"> </span>With the abundance of educational
programming available for children these days, there is no reason to expose
them to content aimed at a general audience, especially since watching
adult-centered TV has been shown to lower academic skills in preschool
children.<span style="mso-spacerun: yes;"> </span>Moreover, programs aimed at
adults that have violence or aggressive behavior can encourage
children to behave similarly.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Third, time
matters.<span style="mso-spacerun: yes;"> </span>Having the television on all
the time in the background has been shown to distract children so
much that it lowers the quality of their play. Researchers have
suggested that if screen time replaces time spent engaging in activities like
talking to parents and peers or playing outside, it can be detrimental to
various aspects of development.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Perhaps the most
important finding to keep in mind about screen time is that children
learn better from people than they do from screens until they are at least
three years old.<o:p></o:p></span></div>
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<br /></div>
<w:sdt contentlocked="t" id="89512093" sdtgroup="t"><span style="font-family: "Calibri","sans-serif"; font-size: 1.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><w:sdtpr></w:sdtpr><w:sdt docpart="11A0565D91F24293B1A09F93A045F391" id="89512082" storeitemid="X_039B004F-01A5-440B-B9AD-D6A25BF2C1CD" text="t" title="Post Title" xpath="/ns0:BlogPostInfo/ns0:PostTitle"></w:sdt></span>
</w:sdt>
<br />
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">So in the end, a
little bit of screen time might be okay, but learning the traditional way –
from parents or from peers – might always be the most effective medium for
infants and young children. <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-outline-level: 1; vertical-align: baseline;">
<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">#homeloans #mortgagerate #interestrates</span></div>
Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-24249990609242481172014-10-07T17:18:00.001-07:002014-10-07T17:18:40.547-07:00Southern Oaks Mortgage, Inc – California’s #1 Broker!<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/KEoFkSrUzqc" width="480"></iframe><br />Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-838595936633683732013-11-11T15:43:00.001-08:002013-11-11T15:43:31.861-08:00To our Veterans<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmp4prcpbv2tOjrPDOpwAYy9GMfUo_N7DgefkEL-vJLPiedIIOmbv900zYnAoFRi8gIa3AORZbpHUjZs3zB1RrI5V4kGgyb_p6ERmGpGdPFPnnDKCK1zU8a3xK6MNdANNqLCGE/s1600/115095_web_7_8_Veterans1_color_3col_feat.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmp4prcpbv2tOjrPDOpwAYy9GMfUo_N7DgefkEL-vJLPiedIIOmbv900zYnAoFRi8gIa3AORZbpHUjZs3zB1RrI5V4kGgyb_p6ERmGpGdPFPnnDKCK1zU8a3xK6MNdANNqLCGE/s1600/115095_web_7_8_Veterans1_color_3col_feat.jpg" /></a></div>
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Thank you to all the Veterans out there who have fought to created a free country and continue to fight for the United States of America. You will <u>always</u> be remembered and respected for your duty to our Country!</div>
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Thank you from all of us here at</div>
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Southern Oaks Mortgage, Inc.</div>
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<br />Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-42031635785660627652013-08-01T12:32:00.001-07:002013-08-01T12:32:17.981-07:00More info on Interest Rates<iframe allowfullscreen="" frameborder="0" height="270" src="//www.youtube.com/embed/z5AXgooRyJY" width="480"></iframe><br />
Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-16156702357203942542012-10-25T17:08:00.003-07:002012-10-25T17:08:51.003-07:00I have a great new Listing in CastaicCheck this out: <a href="http://28739ponderosa.thepropertyinfo.com/">http://28739ponderosa.thepropertyinfo.com/</a><br />
Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-46292737335351452102012-04-26T12:30:00.001-07:002012-04-26T12:30:01.366-07:00Check out my new site: www.theHARPexperts.comCheck out this new site: <a href="http://www.theharpexperts.com/">www.theHARPexperts.com</a> <br />
<br />
It's the new program that allows upside/down homeowners to refinance.....<br />
<br />Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-17084420774835874042012-04-26T12:27:00.000-07:002012-04-26T12:27:04.676-07:004/23/12 Weekly Preview<br />
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Forwarded exclusively
by:<o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><a href="http://www.blogger.com/www.somloans.com"><span style="text-decoration: none; text-underline: none;"><img alt="Logo" border="0" id="_x0000_i1026" src="http://www.tbwsratealert.com/Images/MarketShot/Logo/22680.jpg" /></span></a><o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Jeff Eisenberg<o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Southern Oaks Mortgage, Inc.<o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Office: 661-964-2600<o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Email: <a href="mailto:jeff@somloans.com"><span style="color: blue;">jeff@somloans.com</span></a><o:p></o:p></span></div>
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<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">website: <a href="http://www.somloans.com/"><span style="color: blue;">www.somloans.com</span></a><o:p></o:p></span></div>
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<i><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">When the RIGHT loan matters!</span></i><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"> <o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Monday, April 23, 2012<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">This
Week;</span></b><span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> the FOMC metering will dominate most
trading. The policy statement at 2:15 Wednesday afternoon has many thinking
the Fed will announce another QE move to keep rates from increasing. We are
not sure, more likely the statement will reflect increasing concerns that the
economy is slowing and the Fed is alert to it. While not an easing
announcement it will keep interest rates low and to some extent hold the
stock market from falling off a cliff. After the policy statement Bernanke
will hold a press conference where we can get more detail on what he is
thinking about the soft economy and no real job growth.<span style="mso-spacerun: yes;"> </span>Earnings reports for Q1 have not been as
soft as was generally thought.<u1:p></u1:p></span><o:p></o:p></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">Data this week includes March new home sales,
consumer confidence and durable goods orders; all key data points. Also this
week treasury will auction 2 yr, 5 yr and 7 yr notes for a total of $99B
beginning Tuesday through Thursday. Concern that the euro-area debt crisis is
deepening after a first round of French elections ended with President
Nicolas Sarkozy trailing his Socialist rival and the Dutch government split
over austerity plans. Spain and Italy’s debts and their economies are also
adding safety moves by investors to US treasuries. <u1:p></u1:p></span><o:p></o:p></div>
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</tbody></table>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-37242014650228523642012-03-14T11:25:00.002-07:002012-03-14T11:25:39.684-07:00Interest rates - Ouch!Today, mortgage interest rates are taking a beating. Why is this happening? Good question with lots of different answers......here is a segment from Yahoo! Finance that is worth watching.....<br />
<a href="http://finance.yahoo.com/blogs/breakout/3-signs-market-sell-off-coming-soon-121617680.html">http://finance.yahoo.com/blogs/breakout/3-signs-market-sell-off-coming-soon-121617680.html</a><br />
<br />
<br />
Enjoy,<br />
<br />
Jeff Eisenberg<br />
Southern Oaks<br />
661.964.2600<br />
<a href="mailto:brokermanjeff@gmail.com">brokermanjeff@gmail.com</a>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-15040236907852394072012-02-27T09:09:00.002-08:002012-02-27T09:15:17.411-08:00Weekly Preview 2/27/2012<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border: 1pt solid silver; height: 703px; mso-border-alt: solid silver .75pt; mso-cellspacing: 0in; mso-padding-alt: 0in 0in 0in 0in; mso-yfti-tbllook: 1184; width: 447px;"><tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;"> <td colspan="3" style="background-color: transparent; border: 0px rgb(0, 0, 0); padding: 0in;"><div class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><img alt="Weekly Preview" border="0" height="32" id="_x0000_i1025" src="http://www.tbwsratealert.com/Images/Email_HeaderWeekly.jpg" width="320" /><o:p></o:p></span></div></td> </tr>
<tr style="mso-yfti-irow: 1;"> <td style="background: gray; border: 0px rgb(0, 0, 0); padding: 3.75pt 0in 0in 7.5pt; width: 165pt;" valign="top" width="220"><div class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Forwarded exclusively by:<o:p></o:p></span></div><div class="MsoNormal" style="margin: 0in 0in 0pt;"><div class="separator" style="clear: both; text-align: center;"><a href="http://www.tbwsratealert.com/Images/MarketShot/Profile/22680.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="Profile Photo" border="0" id="_x0000_i1027" src="http://www.tbwsratealert.com/Images/MarketShot/Profile/22680.jpg" /></a></div><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><a href="http://www.blogger.com/www.somloans.com"><span style="text-decoration: none; text-underline: none;"><img alt="Logo" border="0" id="_x0000_i1026" src="http://www.tbwsratealert.com/Images/MarketShot/Logo/22680.jpg" /></span></a></span></div></td> <td style="background: gray; border: 0px rgb(0, 0, 0); padding: 3.75pt 0in 0in 3.75pt; width: 225pt;" valign="top" width="300"><div align="right" class="MsoNormal" style="margin: 0in 0in 0pt; text-align: right;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Jeff Eisenberg</span><br />
<span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">S</span><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">outhern Oaks Mortgage, Inc.<o:p></o:p></span></div><div align="right" class="MsoNormal" style="margin: 0in 0in 0pt; text-align: right;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Office: 661-964-2600<o:p></o:p></span></div><div align="right" class="MsoNormal" style="margin: 0in 0in 0pt; text-align: right;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Email: <a href="mailto:jeff@somloans.com"><span style="color: blue;">jeff@somloans.com</span></a><o:p></o:p></span></div><div align="right" class="MsoNormal" style="margin: 0in 0in 0pt; text-align: right;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">website: <a href="http://www.somloans.com/"><span style="color: blue;">www.somloans.com</span></a><o:p></o:p></span></div></td> <td style="background: gray; border: 0px rgb(0, 0, 0); padding: 3.75pt 3.75pt 0in;" valign="top"><div align="right" class="MsoNormal" style="margin: 0in 0in 0pt; text-align: right;"><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div></td> </tr>
<tr style="mso-yfti-irow: 2;"> <td colspan="3" style="background: gray; border: 0px rgb(0, 0, 0); padding: 3.75pt 0in 0in 7.5pt;" valign="top"><div class="MsoNormal" style="margin: 0in 0in 12pt;"><i><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">When the RIGHT loan matters!</span></i><span style="color: white; font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"> <o:p></o:p></span></div></td> </tr>
<tr style="mso-yfti-irow: 3;"> <td colspan="3" style="background-color: transparent; border: 0px rgb(0, 0, 0); padding: 0in 11.25pt 0in 0in;"><div align="right" class="MsoNormal" style="margin: 0in 0in 12pt; text-align: right;"><span style="font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";">Sunday, February 26, 2012<o:p></o:p></span></div></td> </tr>
<tr style="mso-yfti-irow: 4;"> <td colspan="3" style="background-color: transparent; border: 0px rgb(0, 0, 0); padding: 0in 3.75pt;"><div class="MsoNormal" style="margin: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">This week;</span></b><span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> a number of economic releases that will dominate markets.</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> The Europe debt mess is presently dormant in the sense of nothing in </span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">the way of market-driving news, the same as last week. Greece will get</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> its money the will eventually default but for now markets have generally</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> discounted Greece and Europe’s problems. The focus now in the bond</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> and equity markets is the status and outlook for the US economy.</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> Interest rate markets are wound tight as a spring. Based on the 10</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> yr treasury, driver for mortgage markets, not much change in rates</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> last week. Technically the 10 yr is presently losing its support at these</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> levels but still holds well so far. <u1:p></u1:p></span><o:p></o:p></div><div class="MsoNormal" style="margin: 0in 0in 0pt;"><br />
</div><div class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">This week’s economic releases are significant for the outlook on</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> the economy, thus the bond market. There are a number of key</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> releases this week, most expected to have improved from last</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> month.(see economic calendar). Ben Bernanke will be speaking </span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">on Wednesday, other Fed officials have been talking about potential</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> of another easing move from the Fed. There is little appetite for</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> another round of MBS purchases or any other easing moves as</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> long as the economic outlook continues to be strong; the Fed</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> doesn’t need to add more to its balance sheet as long as the</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> economy doesn’t roll over. Although the Friday is March 2<sup>nd</sup> </span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">the employment report won’t be released until March 9<sup>th</sup>. </span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;">There is the potential for wider market movements this</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> week compared to last week. Interest rates are vulnerable</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 10pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 11.0pt; mso-bidi-theme-font: minor-bidi;"> to selling if equity markets rally this week. <u1:p></u1:p></span><o:p></o:p></div></td> </tr>
<tr style="mso-yfti-irow: 5;"> <td colspan="3" style="background-color: transparent; border: 0px rgb(0, 0, 0); padding: 0in;"><div class="MsoNormal" style="margin: 0in 0in 0pt;"><span style="font-family: "Arial","sans-serif"; font-size: 9pt; mso-fareast-font-family: "Times New Roman";"><br />
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</tbody></table>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-12177334183087878612011-11-29T11:21:00.000-08:002011-11-29T11:21:13.627-08:00Weekly Preview from Jeff EisenbergForwarded exclusively by:<br />
<br />
<br />
<br />
Jeff Eisenberg<br />
<br />
Southern Oaks Mortgage, Inc.<br />
<br />
Office: 661-964-2600<br />
<br />
Email: jeff@somloans.com<br />
<br />
website: www.somloans.com<br />
<br />
<br />
<br />
<br />
When the RIGHT loan matters! <br />
<br />
Monday, November 28, 2011<br />
<br />
This Week; interest rates are opening weaker on Monday with stocks rallying on better than expected Holiday shopping on Black Friday and the rest of the weekend. We continue to believe that US interest rates are about at their lows when the 10 yr moves below 2.00% as it did last week. Europe continues to play a role in the global bond markets however unless there is an actual default in Greece or Italy markets appear to have discounted the problems in the region; until more negative news unfolds the bond market will be focused more on domestic issues.<br />
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This week has a number of key data points beside the daily report on retail sales this holiday season. Monday we get new home sales for Oct (expected generally unchanged). Tuesday Nov consumer confidence. Wednesday ADP report on non-farm private jobs, Nov Chicago purchasing mgrs index, Sept pending home sales, and the Fed's Beige Book. Thursday weekly claims, the ISM manufacturing index for Nov. Friday the Nov employment report (non-farm jobs +118K, non farm private jobs +133K and the unemployment rate at 9.0% unch frm Oct). <br />
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As long as there is nothing consequential from Europe this week will be about equity markets and that sector will focus closely on any report on retail sales. Prior to this weekend analysts were generally expecting weaker sales this year than last year. Based on the momentary optimism the current view is that sales may exceed last year's sales pace. The bellwether 10 yr note will be testing its key moving averages through the week with MBSs moving with it as is the norm. <br />
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(information from Rate Watch - TBWS)Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-26197574536757046572011-07-17T22:39:00.000-07:002011-07-17T22:39:00.538-07:00Fraud Alerts<div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> Last time, we talked about how to manage Credit Freezes. I promised to discuss something else that could impact your loan - Fraud Alerts.</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><br />
</div><div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">A fraud alert is a notation on your credit report that states that in order for any new credit to be obtained, the lender has to first call you to confirm that you are allowing this account to be opened. In order for this to work properly, make sure that the phone numbers you supply the bureaus with is accurate. If you enroll in fraud alert protection, you will be asked for a phone number that you can be reached at to verify any new activity. If you move or change your number, you will not be able to get a home loan, or any new credit, until you can be reached for confirmation at the number on your credit report. If the number is wrong, you have to call the credit bureaus, have them change it and then re-run your credit so that the phone number is correct on the credit report and the lender can reach you at that number. Lenders are very strict about this. If you are in escrow and the lender tries to call the number on the credit report and it isn’t the right number, it will cause problems. </span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">My suggestion is to always keep the bureaus up-to-date on any changes with your phone numbers when you have a fraud alert on your credit. Take care of any needed changes months before you apply for a loan. It will make a huge difference in having a much smoother loan process. I'm ready to discuss this further - just send me an email and I'll be happy to go into more detail, jeff@somloans.com.</span></div><div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> </span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-152745876546235522011-07-10T20:36:00.000-07:002011-07-10T20:36:00.731-07:00Credit Freezing<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</div><div class="MsoNormal"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"><span> </span>Credit freezing occurs when you call the credit bureaus and instruct them to freeze your credit, thus allowing no one access to your information in order to gain new credit.<span> </span>This is a great tool if someone has recently had his or her information stolen.<span> </span>It will provide protection from an identity thief.<span> </span>However, with a credit freeze in place, that person will not be able to get a home loan.<span> </span>He or she would first have to call all three credit bureaus and ask them to remove the freeze.<span> </span>This could take some time depending on what information the bureaus require be provided and may cost a fee, as well.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Next time, I'll talk about Fraud Alerts, so stay tuned! Or, you could always email me to find out right away - jeff@somloans.com. </span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-90825298178788301612011-06-24T10:29:00.000-07:002011-06-24T10:29:00.312-07:00Pre-Approval Inquiries on Credit<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal"><u><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 20pt;"><span style="text-decoration: none;"></span></span></u><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"><span></span>We’ve all gotten pre-approval letters in the mail stating that we are pre-approved, for example, for a $10,000 credit card, requiring only a signature to seal the deal.<span> </span>The real reason behind how the credit companies know to send these to you is that they have run a soft credit inquiry on you.<span> </span>This soft inquiry tells them that you have good enough credit to potentially qualify for their card.<span> </span>It will not tell them your income, job status or whether you can afford this new extension of credit.<span> </span>Running this soft credit inquiry will not, in itself, affect your credit score.<span> </span>What will affect your score is if you decide to take them up on the offer by filling out their form and sending it in.<span> </span>What you are then essentially doing is giving them the right to pull a hard inquiry on your credit.<span> </span>This will affect your score roughly five to six points.<span> </span>You are not necessarily assured of getting approved for the card, but now that they have run your credit, they can determine if you fit their criteria.<span> </span>So my suggestion is to be very careful on filling out these pre-approval offers.<span> </span>Make sure you absolutely need or want the card.<span> </span>After you close your loan is really the best time to apply if you want the card because it doesn’t matter at that point if your credit score goes down five or six points. </span></div><div class="MsoNormal"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">More on this? Email me - jeff@somloans.com</span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-39577257342103107262011-06-17T10:32:00.000-07:002011-06-17T10:32:00.421-07:00Short on Assets and Reserves? Part Two<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--><span style="color: black; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Last time we talked about what you can do if you find yourself short on the assets or reserves you need to qualify, an option would be to ask a relative to add you onto his or her account which has the needed balance or history that you are lacking.<span> Be sure to let your good Samaritan in on this:</span></span><div class="MsoNormal" style="text-indent: 0.5in;"><br />
</div><div class="MsoNormal" style="text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">It is much easier to add someone to an account than it is to remove him or her.<span> </span>If they want to take you off of it, the only way to do so is to close it and re-open another one.<span> </span>This could erase the banking history that this account has provided for them.<span> </span>Be sure they confirm with the banker that if they close the account and re-open another one, the bank will transfer over their history to the new account.<span> </span>Furthermore, before they can close a checking account, they will have to make sure all checks have cleared and if they have any electronic or automatic payments coming in or out of the account, they will have to be canceled and reestablished in the new account.<span> </span>All of this is a bit of a pain and inconvenience for your family member, but is a great way to help you obtain your financing. See www.southernoaksmortgage.com for more information or email me directly at jeff@somloans.com. </span></div><div class="MsoNormal"><br />
</div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-9012460759710768152011-06-07T10:29:00.000-07:002011-06-07T10:29:00.463-07:00Short on Assets or Reserves?<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div align="center" class="MsoNormal" style="text-align: center; text-indent: 0.5in;"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">S</span><u><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 20pt;">hort on Assets or Reserves?</span></u></div><div align="center" class="MsoNormal" style="text-align: center;"><br />
</div><div class="MsoNormal"><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"><span> </span>If you find yourself short on the assets or reserves you need to qualify, an option would be to ask a relative to add you onto his or her account which has the needed balance or history that you are lacking.<span> </span>For example, you need $10,000 in assets to qualify but you only have $4,000.<span> </span>If mom and dad have an account with at least the amount you need and would be willing, they could add your name to it as a co-signer and then your mortgage professional can order a verification of deposit from the bank, showing that the account is in your name, too.<span> </span>This will satisfy the reserve requirement.<span> </span>Be aware, though, that the lender may need a letter from the relative stating that you have total access to all of the funds in that account.<span> </span></span></div><div class="MsoNormal"><br />
</div><span style="font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Let this most generous relative know that once the loan is funded, they won’t be able to simply remove you from the account. See my next post for details... and if you can't wait, please feel free to email me jeff@somloans.com and I'll tell you myself. </span>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-33255120430958702712011-05-28T10:23:00.000-07:002011-05-28T10:23:00.375-07:00Don’t Reduce Balances on Your Assets!<div align="CENTER" style="margin-bottom: 0in;"><span style="font-family: Gloucester MT Extra Condensed,serif;"><span style="font-size: large;"><u>Don’t Reduce Balances on Your Assets</u></span></span></div><div align="CENTER" style="margin-bottom: 0in;"><br />
</div><div style="margin-bottom: 0in;"><span style="font-family: Gloucester MT Extra Condensed,serif;"><span style="font-size: large;"> Do NOT take money out of your checking or savings account right before you are going to close escrow. If it is just for normal living expenses, you should be okay. Otherwise, don’t arbitrarily take funds out of an account that was used to help you qualify. I’ve seen borrowers that had borrowed their down payment from a friend or relative and, after they were pre-approved, decided to give the money back to their friend or relative in the middle of their escrow period. This is a bad decision because if the lender wants to see a more current bank statement from your account, it could cause a major problem. You should always ask your mortgage professional how much money you should keep in your account until the end. The lenders can request a verification of deposit from your bank at the last minute if they choose. A verification of deposit is a form that the bank has to fill out that tells the current balance in the account as well as the last two months average balance. To be on the safe side, keep as much money in your account as you can until you are informed by escrow that your loan has recorded with the county. FIRST 10 PEOPLE - Email for a FREE copy of my</span></span></div><div style="margin-bottom: 0in;"><span style="font-family: Gloucester MT Extra Condensed,serif;"><span style="font-size: large;"> book - Makers and Breakers jeff@somloans.com</span></span></div><div style="margin-bottom: 0in;"><br />
</div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-15275199420104076132011-05-17T10:10:00.000-07:002011-05-17T10:10:01.046-07:00Are You Unable to Open a Checking Account?<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;">Are You Unable to Open a Checking Account?</span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">I have good news and bad news… </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">If you are unable to open a checking or savings account because you are on CHEX SYSTEMS (a system the banks use to deny you an account due to excessive non-sufficient funds, fraud or check kiting), you might be out of luck. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">But you have options! You may have to use a co-signer on your loan in order to show enough assets to qualify. In the past, there were many programs designed for those who could not show assets the traditional way. There were stated income loans, stated asset loans, no documentation loans, no ratio loans and more. For now, however, such programs are unobtainable. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">As the market relaxes and guidelines are loosened, those programs will probably be made available again. They may have tighter restrictions than in the past, but they will most likely make their way back in to the system, which would be especially helpful to the self-employed borrower. Do you have a copy of my book, Makers and Breakers? If so, please see the Self-employment Section. If you don’t own a copy, call me today for a free copy! Ask for Jeff </span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">661-964-1320<span style="display: none;"> begin_of_the_skype_highlighting</span> <span style="display: none;">end_of_the_skype_highlighting</span></span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Please visit </span><a href="http://www.southernoaksmortgage.com/"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">www.southernoaksmortgage.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> let’s get acquainted. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-58572775627389871582011-05-05T10:00:00.000-07:002011-05-05T10:00:00.975-07:00Mattress Money!<div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;">Mattress Money!</span></b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"> </span><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;"></span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">How about you? Do you have cold, hard cash in a drawer, under the bed or behind a box in the closet? Many borrowers do. They either get paid “under the table” and don’t want to deposit the cash in order to avoid paying taxes to the IRS or are scared to put their money into a financial institution. The latter was definitely a concern during The Great Depression, but now that the Federal Government insures accounts up to $250,000, it is much less of a concern. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">When applying for a home loan, the problem with this so called “mattress money” is that the lender will not count it toward the reserve requirement or down payment. This is the same with gold and silver. Even though these are valid commodities, lenders will not use them. So what is one with such assets to do? </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">If it is cash that you have, you will have to put it into a checking or savings account at least three months prior to buying a home in order to have at least two months worth of bank statements to show the lender. As far as commodities, they are difficult to convert and typically aren’t counted as liquid assets in a real estate loan transaction. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"> </span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">If you are unable to open a checking or savings account for any reason, you won’t want to miss my next post! If you can’t wait, call me </span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">661-964-1320<span style="display: none;"> begin_of_the_skype_highlighting</span> <span style="display: none;">end_of_the_skype_highlighting</span></span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> or email </span><a href="mailto:jeff@southernoaksmortgage.com"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">jeff@somloans.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> </span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-13204832015386043592011-04-17T10:02:00.000-07:002011-04-17T10:02:00.476-07:00I Have a Suggestion…<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;">I Have a Suggestion…</span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 15.6pt; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"> </span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Glad you’re back! Last time we talked, I promised to offer a suggestion for managing your credit accounts. </span><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;"></span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">The right thing to do is to keep long standing accounts open even though you don’t use them any longer. My suggestion is to charge a small amount every few years and when the bill comes in, pay it off entirely. This will keep the account active so the creditor doesn’t decide to close it for you for non-activity. In a few instances, I’ve instructed borrowers who have closed accounts right before getting their loan to re-activate them immediately, after ensuring that the creditor will re-establish the history. If the creditor won’t re-establish credit history, then I recommend leaving the account closed because beneficial credit history has already been lost. Accounts that are in the open section of your credit report will have the most positive effect on your score, especially if they have a very small balance to limit ratio. Once the account moves into the closed section of a credit report, the history is lost. History makes up a big portion of your overall credit score. Visit </span><a href="http://www.southernoaksmortgage.com/"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">www.southernoaksmortgage.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-30688250674814579912011-04-11T10:11:00.000-07:002011-04-11T10:11:00.496-07:00Here’s the Answer I Promised<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;">Here’s the Answer I Promised</span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Last time I posted about how you might assume that your score would improve since you now have eliminated an account that you could have, in an instant, borrowed against entirely. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">I promised an answer. As I said, the reality is different and is two-fold…</span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> First, if this account has been established for many years, let’s use 15 years as an example, and you rarely use it, you would have 15 years of good credit with limited usage. This works in your favor because you’ve got an established account with a long history of good credit. Second, if you have a high credit limit and don’t use this credit, you’ve shown that you have willpower and can refrain from using credit even though it’s staring you right in the face.</span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"> </span><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Thus, the right thing to do is to keep long standing accounts open even though you don’t use them any longer. I have a suggestion. Stay tuned to my next post!</span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Visit my website and let’s get to know each other! </span><a href="http://www.southernoaksmortgage.com/"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">www.southernoaksmortgage.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-19502716015846285232011-04-04T10:09:00.000-07:002011-04-04T10:09:00.236-07:00Closing Credit Accounts<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal" style="background: none repeat scroll 0% 0% white; margin-bottom: 0.0001pt;"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;">Closing Credit Accounts</span></b><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"> </span><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;"></span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Assumptions can cost you dollars and time when you’re in the market for a loan. There are deadly mistakes you want to avoid! Some of them include your credit accounts. Listen closely…</span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.25in;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">It would seem logical that if you have many open trade lines with moderate to high credit limits, closing some of them would improve your score. The theory is that since you have no use for this card or credit line, why keep the account? It seems to make sense to close it. One would assume that your score would improve since you now have eliminated an account that you could have, in an instant, borrowed against entirely. Well, the reality is different and is two-fold. </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">There is a huge misperception that exists regarding the closing of existing credit accounts in an effort to improve credit scores. Check my next post to discover what it is, or email me directly at </span><a href="mailto:jeff@somloans.com"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">jeff@somloans.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> Trust me, you want to know this if you’re trying to get a loan! </span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-43473164814296271602011-03-23T10:06:00.000-07:002011-03-23T10:06:00.394-07:00Inquiries on Your Credit Could Lower Your Score<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:DoNotShowComments/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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</style> <![endif]--> <div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 15.6pt; margin-bottom: 0.0001pt;"><a href="http://loanmanjeff.wordpress.com/2011/02/18/inquiries-on-your-credit-could-lower-your-score/" title="Permalink to Inquiries on Your Credit Could Lower Your Score"><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt; text-decoration: none;">Inquiries on Your Credit Could Lower Your Score</span></b></a><b><span style="color: black; font-family: "Arial","sans-serif"; font-size: 16pt;"></span></b></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt; margin-bottom: 0.0001pt;"><span style="color: #888888; font-family: "Arial","sans-serif"; font-size: 9pt;"><br />
</span><a href="http://loanmanjeff.wordpress.com/author/loanmanjeff/" title="View all posts by loanmanjeff"><span style="color: #888888; font-family: "Arial","sans-serif"; font-size: 9pt;"></span></a><span style="color: #888888; font-family: "Arial","sans-serif"; font-size: 9pt;"> </span></div><div class="MsoNormal" style="background: none repeat scroll 0% 0% white; line-height: 18pt;"><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">Are you ready to buy? Look for the right loan. Opening more accounts just prior to getting your loan, which will result in inquiries on your credit and could lower your score, would not be a good move. But if you don’t have enough credit to qualify, a good suggestion would be to start building credit now so that you’ll be able to qualify at a later date. Knowing this in advance, especially two years in advance, could really make a difference. However, please make sure that you consult with your mortgage professional before applying for too many cards to ensure that you are improving your credit score and not hurting it. Be sure you have all of your bases covered! Email me </span><a href="mailto:jeff@somloans.com"><span style="color: #0066cc; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;">jeff@somloans.com</span></a><span style="color: #333333; font-family: "Gloucester MT Extra Condensed","serif"; font-size: 18pt;"> No obligation.</span><span style="color: #333333; font-family: "Georgia","serif"; font-size: 12pt;"></span></div>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-10888365486171210572011-03-18T13:06:00.000-07:002011-03-18T13:06:51.441-07:00Jeff s 6 minute video, Episode #2iframe width 425 height 344 src http://www.youtube.com/embed/rfthqzuGMGw?fs 1 frameborder 0 allowfullscreen> /iframe>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0tag:blogger.com,1999:blog-14458047.post-43704707282783089982011-03-18T13:03:00.000-07:002011-03-18T13:04:12.988-07:00<a href="http://www.youtube.com/watch?v=M8K9piZmXZ4">http://www.youtube.com/watch?v=M8K9piZmXZ4</a>Southern Oaks Mortgagehttp://www.blogger.com/profile/14707304387324512353noreply@blogger.com0