Sunday, December 21, 2014
Friday, October 31, 2014
Tuesday, July 15, 2014
Tuesday, July 1, 2014
The Cost of Waiting....
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Posted: 01 Jul 2014 04:00 AM PDT
Whether you are a first time buyer or a move-up buyer, you should look at the projections housing experts are making in two major areas: home prices and mortgage rates.
PRICES -Over 100 economists, real estate experts and investment & market strategists wererecently surveyed. They were asked to project where home prices were headed. The average value appreciation projected over the next twelve month period was approximately 4%.MORTGAGE INTEREST RATES -In their last Economic & Housing Market Outlook, Freddie Mac predicted that 30 year fixed mortgage rates would be 4.8% by this time next year. As of last week, the Freddie Mac rate was 4.14%.What does this mean to you? -If you are a first time buyer currently looking at a home priced at $250,000, this is what it could cost you on a monthly basis if you wait to buy next year: |
Tuesday, June 3, 2014
Saturday, May 17, 2014
Saturday, April 5, 2014
Saturday, March 8, 2014
Friday, November 8, 2013
Who owns which cosmetic companies?
I prefer to shop companies that are cruelty free and was searching the NAVS website for "Fresh" and nothing came up which lead me to wonder who owns Fresh and found this blog that shows some of the major companies and their subsidiaries. I use Aubrey organics which is cruelty free, organic and vegan. I've purchased Fresh products in the past and am buying as a gift, had thought it didn't do animal testing and found that its status has changed to "tester" because of their China distribution. Go to NAVS website for details.
-Reblog from The Beauty Journal blog by Michelle Cuix:
-Reblog from The Beauty Journal blog by Michelle Cuix:
- Estée Lauder owns: Aramis, Aveda, Clinique, Bobbi Brown, M.A.C, Origins, Jo Malone, La Mer, Tommy Hilfiger fragrances, Bumble + bumble, American Beauty, Flirt, Good Skin, Grassroots, Michael Kors Beauty, Darphin, Ojon, and Donna Karan Cosmetics.
- L’Oreal owns: Maybelline New York, Garnier, Lancôme, Helena Rubinstein, BioMedic, Vichy, Biotherm, Shu Uemura, Kiehl’s, Soft Sheen-Carson, Redken, Matrix, Kerastase, Giorgio Armani, Inneov, Sanoflore, CCB Paris, Dermablend, The Body Shop, Skinceuticals, Ralph Lauren, La-Roche-Posay, and Yves Saint Laurent.
- Procter & Gamble owns: Cover Girl, Max Factor, Anna Sui, Olay, DDF, Aussie, Camay, Clairol, Head & Shoulders, Herbal Essences, Ivory, Infusium-23, Pantene, Fredric Fekkai, Gillette, Noxzema, SK-II, and Zest.
- Johnson & Johnson owns: Neutrogena, Aveeno, Clean & Clear, RoC, Rogaine, Lubriderm, Purpose, and Ambi.
- Beiersdorf owns: Nivea, La Prairie, Eucerin, and Juvena
- Unilever owns: Dove, Pond’s, Vaseline, and Sunsilk
- Louis Vuitton-Moet Hennessy (LVMH) owns: Dior, Guerlain, Givenchy, Benefit, Fresh, Make Up For Ever, and Sephora’s namesake line.
- Shiseido owns: Cle de Peau (CDP), Dicila, Ipsa, Ettusais, Carita, Decleor, Ayura, Asplir, DeLuxe, Selfit, Whitia, Pure & Mild, Kesho Wakusei, Yuxia, 5S, NARS, Maquillage, Aupres, JS, Za, UNO, Jean Paul Gaultier cosmetics, and Issey Miyak.
Sunday, October 20, 2013
Mortgage Rates Much Lower After Debt Deal
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| (Photo credit: Wikipedia) |
Thursday, October 3, 2013
Government Shutdown Updates - Oct 1, 2013
What does the government shutdown mean for REALTORS®? Congress has failed to approve a Continuing Resolution (CR) providing funding for most government operations. Therefore, spending authority for most of the government expired at midnight on Sept. 30, 2013. Until legislation providing for funding is signed into law, many offices and programs of the federal government are now shut down. This means many, but not all, government programs, including some that impact federal housing and mortgage programs, have been suspended or slowed due to the lapse in government funding. The Office of Management and Budget (OMB) requires each agency to have contingency plans in place. The information below is based on NAR staff review of agency agency contingency plans for the current shutdown and past experience with previousshutdowns and near-shutdowns. Download PDF summary.
Federal Housing Administration HUD’s Contingency Plan states that FHA will endorse new loans in the Single Family Mortgage Loan Program, but it will not make new commitments in the Multi-family Program during the shutdown. FHA will maintain operational activities including paying claims and collecting premiums. Management & Marketing (M&M) Contractors managing the REO portfolio can continue to operate. You can expect some delays with FHA processing.
VA Loan Guaranty Program Lenders will continue to process and guaranty mortgages through the Loan Guaranty program in the event of agovernment shutdown. Expect some delays during theshutdown.
Flood Insurance
The Federal Emergency Management Agency (FEMA) confirmed that the National Flood Insurance Program (NFIP) will not be impacted by a government shutdown, since NFIP is funded by premiums and not tax dollars. Changes to the flood insurance program scheduled to take effect on Oct. 1 will be implemented as scheduled.
The Federal Emergency Management Agency (FEMA) confirmed that the National Flood Insurance Program (NFIP) will not be impacted by a government shutdown, since NFIP is funded by premiums and not tax dollars. Changes to the flood insurance program scheduled to take effect on Oct. 1 will be implemented as scheduled.
Government Sponsored Enterprises
Fannie Mae and Freddie Mac will continue operating normally, as will their regulator, the Federal Housing Finance Agency, since they are not reliant on appropriated funds.
Fannie Mae and Freddie Mac will continue operating normally, as will their regulator, the Federal Housing Finance Agency, since they are not reliant on appropriated funds.
Treasury
The Making Home Affordable program, including HAMP and HAFA, will not be affected as the program is funded through the Emergency Economic Stabilization Act which is mandatory spending not discretionary. realtor.org/
The Making Home Affordable program, including HAMP and HAFA, will not be affected as the program is funded through the Emergency Economic Stabilization Act which is mandatory spending not discretionary. realtor.org/
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