Weaker than expected economic data was favorable for mortgage rates this week. The biggest economic reports released this week contained mostly positive news for mortgage rates. Inflation data also supported lower mortgage rates. Core CPI inflation, which excludes food and energy, was just 1.6% higher than one year ago, back to the lowest level of the year. Due to the decline in oil prices, overall CPI inflation was just 0.8% higher than one year ago, the lowest annual rate in over five years. Mortgage rates again ended the week a little lower... 30 year fixed rate was at 3.75% and 15 year mortgage was at 3.125% at the end of business on Friday. And Heres Your Monday Morning Coffee... “My mission in life is not merely to survive, but to thrive; and to do so with some passion, some compassion, some humor, and some style” ~ Maya Angelou I have some important news ~ by Bob Pritchard At least to me. I want to share my news with my family and friends first. Ill get right to the point. I am not going to survive 2015. Im serious as a heart attack. What may be more shocking to you is that I hope you dont survive either. Let me help you understand. A few years ago my dear Uncle Dale passed away. He lived a good long life. But on his death certificate the medical examiner wrote the cause of death as Failure to Thrive. Ive thought about that ever since. Slowly, with each passing day, that has changed my life. It started out as a small voice in my head that would spring to mind every month or so. But then it became more frequent and louder with each passing day. Now, its constantly on my mind. Simply put -- I dont want to survive 2015 - I want to thrive!!! Thrive means to develop well or vigorously. To prosper. Thats why I started this by saying Im not going to survive 2015. Im going to thrive -- and I want you to thrive in 2015! I know life can be tough. Im fairly certain that, like me, you faced some struggles in 2014. Perhaps those challenges still feel like a burden you can hardly bear. Maybe you think that surviving is the best you can hope for. When someone asks how you are doing, you routinely reply not bad, or ok, I guess, or not bad ... all things considered. But it doesnt have to be that way. Dont just settle for life and stand in line until its your turn to die. THRIVE! Whether its struggles with your health, relationships, your job, your business, your finances, your distance from God -- you can change starting right now and begin to thrive. Thriving isnt about an end result or our status relative to others -- its about your personal journey and my personal journey and what each of us can do to experience the best life has to offer and, along the way, help others as well! Maybe your desire is to thrive spiritually (a closer walk with The Lord), or maybe its to experience the joy of a stronger relationship, or read that book you never had time for (or write one!), or learn a new skill or a new language. Perhaps your desire is stronger health, a better car, a new house, or a dream vacation. Maybe you are looking for a promotion, a new job, or to start a new business. This can be the year that you thrive! By spring of 2014 that voice telling me to thrive was so loud inside of me that I gave up Diet Pepsi (I had been drinking about a 6-pack of cans per day until then). Then, on Easter Sunday, I decided to change my health. My wife joined with me. We ate less food and started walking. Up to that point, I spent my entire life shunning exercise and essentially deciding to be overweight. I say deciding because nobody ever forced me to eat -- it was a decision made bite-by-bite. By October, I had lost 35 pounds and now my wife and I walk/run about 12-15 miles a week. But what happened with my health in 2014 isnt the point. The point is to make clear how you can thrive -- and not just survive -- in all areas of life, by making a decision, taking one small step and then staying with it. As Zig Ziglar says, You cant be great to start, but youve got to start in order to be great. Make a decision to thrive -- then stick with it step by step. It doesnt matter what your starting point is -- you can thrive from wherever you start! That voice is becoming louder every day and encouraging me to thrive in other areas of my life. I feel more energetic and excited about the coming year than ever! I hope you hear and listen to that little voice as well. If you are completely honest with yourself, I bet you can hear that voice deep down inside you right now bringing to mind that one thing you are really hoping to see change this year. You might be thinking Bob, you just dont understand why I cant... Let me encourage you right now to go for it! Take a chance and throw off the negative! Remove the chains that hold you back and begin to thrive! Lets make 2015 a great year! ~ by Bob Pritchard Remember, it is your choice, Make it a year to Thrive!
Posted on: Tue, 20 Jan 2015 00:08:51 +0000
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