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A Values in World Thought presentation (The Sawubona Ngikhona Project) by Mount Madonna School’s 12th grade students will be held Wednesday, Sept. 18. The presentation will be about their recent experiences in South Africa, including interviews with former South African President F.W. de Klerk, Archbishop Desmond Tutu, author Peter Harris and others; visits to the Botshabelo childrens AIDS village, service work for the Philani Childrens Health and Nutrition project, and meetings and performances with students at several high schools. The students also traveled to Swaziland and enjoyed cultural exchange!

Drivers Need to Be More Aware

At the southwest intersection of Luchessa Avenue and Monterey

We are at a moment in our nation's history when great decisions

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 

It's garden question-and-answer time again! You may e-mail me