June 1st, 2014 5:29 PM by Eric Fang
I have a feeling that the current rates are about at theshort term bottom. It might go up a little bit from hereafter more inflation data. But still it is up to changesubject to the data.
There are some tricks about the ARM rates recently.It is hard for the borrower to change from 5/1 ARMto 7/1 ARM if the rate is not lower. So the borrowershave to either stuck with the current rates or have to a cash-out loan. I indeed helped a few borrowersto refinance to the 7/1 ARM with around 3.125% rates.
For the running, my weekly/monthly mileage startedincreasing. For the month of May, I already had themonthly mileage of 203.5 miles, with two weeks over 50 miles.And for June, the total miles are expected to be 210with two weeks above 50 miles too. And my speed is a little bit faster as well.
It is good to keep reading. It's my first timeto know the word hedonic treadmill, from the wall streetjornal article: Life Advice for the class of 2014.Its real meaning is not about running at all:It is the supposed tendency of humans to quickly return to a relatively stable level of happiness despite major positive or negative events or life changes.According to this theory, as a person makes more money, expectations and desires rise in tandem, which results in NO permanent gain in happiness.