I felt like I am letting you guys down, because I could not post the rate. And hopefully I can resume it next spring. At the meantime, please email me for the scenario, and I will get you the rate quotes right away.

The stock market is down recently. And some clients contacted with me about my opinion. Personally, I like the down market. The reason is simple: 1)I can purchase at a discounted price  2)I am planning to sell the individual stocks I have and them purchase the SP500 funds, and it make more send to swap when the market is down, since I do not have to pay hug profits on those capital gain. 3)If the stock market crashes, the interest rate normally would be good.

One friend called me and asked how I could find time to read books. I told him that I had a goal of reading 20 pages a day, or 20-30 minutes a day, so normally after 10-20 days, I can finish a book. And this would be a big accomplishment for me, especially when I list those books the end of the year.

I ran slowly recently. And I found the reason, I did not have a good sleep. Last night, I went to bed at 10:30pm , and I got up 5:30am today, and I felt so energetic. I had the mortgage training today, so I did not go out for the running, but I should do better if I can sleep early and get up early.

I can still run 40-50 miles a week, will run more till the end of Jan. One trick is that I finished the running before 7am(got up around 5:30am), and I can still have plenty time to work on the mortgages, read books, etc.