Time and energy spent on Janet-Justin and botox
Why do we make such a big deal out of events that are, in the
Now’s the Time for a Kitchen Facelift
It’s almost that time of the year again! The holidays are quickly approaching and we’ll be spending even more time in our kitchens, which have long been the center of our homes. And during the holidays we’ll have even more family and friends in our kitchens. While there’s not enough time for a complete kitchen remodel before the holidays, there’s still time to do a kitchen facelift. Here are some ideas that will make a large impact but don’t involve a huge time (or financial) investment.
Craving sweet and salty? Try bacon and chocolate
For many of a specific age and older, we vividly picture the scene of two individuals: one eating a chocolate bar and one eating peanut butter from a jar. Upon colliding, one exclaims, “You got your peanut butter in my chocolate,” while the other instantly replies, “No, you got your chocolate in my peanut butter.” Advertisers would lead us to believe that this happy accident is what inspired the creation of the peanut butter cup. It would come as no surprise that many years later, another two equally favorite, but unconventionally paired items would come together: Chocolate and bacon!
Celebrate Dental Month by Caring for Your Pet’s Teeth
In October I wrote an article about dental disease in pets.
Supervisors pass budget, cut 309 county jobs
The Santa Clara County Board of Supervisors unanimously approved
Predicting the future
Most common question asked of most mortgage professionals is: what is going to happen with rates?Most mortgage professionals agree that the ability to answer that question would result in most being retired and wealthy by now. Interest rates, specifically mortgage interest rates, are becoming increasingly difficult to predict as the financial markets have changed.This is what we know: the Federal Reserve and other governing bodies don't like inflation. If the economic data being generated indicates inflationary pressure then the Fed will lean toward raising rates to protect against that projected inflation. Combine that with world events (like the recent Brexit vote), natural disasters, and even the presidential election and you find yourself doing your best to guess what the future may hold.As of this writing, the Fed is leaning toward no increase in September, but December is still a possibility. Watch the 10 year treasury as an indicator week to week. It has been a good measuring stick and if it is moving higher, chances are mortgage rates will do the same.Jayson Stebbins is a 23 year veteran of the mortgage banking industry. He grew up in Morgan Hill and currently lives in Gilroy. He is the local branch manager of Guild Mortgage. You can reach Jayson and his team at (408) 825-0220 or at stebbinsmortgageteam.com

















