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1st Point Lending


Honda Track Day @ Sepang - 1st attempt

This is officially my first track day but hopefully won't be the last. I learn the line mostly from onboard videos I found in YouTube lol ...

November 2016 Mortgage Rates Forecast (FHA, VA, Conventional)

Rate. There are a number of reasons for this.

First, Freddie Mac compiles quotes from more than 100 lenders. Some quotes are lower, some higher; but each response is blended with all the others.

As a consumer, you make a final choice on only one rate. But that is actually advantageous. You can "poll" multiple lenders -- by requesting written quotes from three or four -- and choose the best offer. You're not stuck with an average.

Second, you may not want to pay discount points. Instead, you could choose to pay more for a lower rate, pay no points at all, or even request a no-closing-cost mortgage .

Third, you might not fit the profile of the "prime" borrower. You have little to no downpayment saved, or have a recovering credit score. But less-than-prime qualification factors may work to your advantage, too.

Namely, you may be eligible for a government-sponsored loan program.

Freddie Mac's interest rate survey applies to conforming loans and conventional mortgage rates only. Government-backed FHA and VA mortgage rates are not surveyed as part of the report; nor are mortgage rates for USDA loans.

Berkshire Hills Bancorp, Inc. (BHLB) Director Sells $448050.00 in Stock

Berkshire Hills Bancorp (NASDAQ:BHLB) last released its earnings results on Monday, October 24th. The company reported $0.57 EPS for the quarter, topping the Thomson Reuters’ consensus estimate of $0.54 by $0.03. The firm earned $76.90 million during the quarter, compared to analyst estimates of $58.75 million. On average, equities analysts predict that Berkshire Hills Bancorp, Inc. will post $2.20 EPS for the current year.

The company also recently announced a quarterly dividend, which will be paid on Wednesday, November 23rd. Stockholders of record on Thursday, November 10th will be paid a $0.20 dividend. This represents a $0.80 annualized dividend and a dividend yield of 2.56%. The ex-dividend date of this dividend is Tuesday, November 8th.

Hedge funds have recently added to or reduced their stakes in the company. American International Group Inc. boosted its stake in Berkshire Hills Bancorp by 0.5% in the second quarter. American International Group Inc. now owns 17,717 shares of the company’s stock valued at $477,000 after buying an additional 95 shares during the period. Foundry Partners LLC boosted its stake in Berkshire Hills Bancorp by 0.3% in the third quarter. Foundry Partners LLC now owns 115,594 shares of the company’s stock valued at $3,203,000 after buying an additional 289 shares during the period. Rhumbline Advisers boosted its stake in Berkshire Hills Bancorp by 1.1% in the third quarter. Rhumbline Advisers now owns 35,792 shares of the company’s stock valued at $992,000 after buying an additional 400 shares during the period. California State Teachers Retirement System boosted its stake in Berkshire Hills Bancorp by 0.8% in the third quarter. California State Teachers Retirement System now owns 65,036 shares of the company’s stock valued at $1,802,000 after buying an additional 500 shares during the period. Finally, Metropolitan Life Insurance Co. NY boosted its stake in Berkshire Hills Bancorp by 2.3% in the second quarter. Metropolitan Life Insurance Co. NY now owns 22,311 shares of the company’s stock valued at $601,000 after buying an additional 510 shares during the period.

At what point will China stop lending the U.S. money?

At present, the U.S debt to the Chinese government is quickly approaching $1 trillion in treasury bills. At what point will China decide that the U.S. cannot pay them back in full, and stop buying treasury bills?


When they start buy more of the stuff the make themselves and no longer need a trade surplus to make their economy grow so do not need to fiddle with the exchange rate to keep their stuff cheap when priced in $. The time may be coming soon.