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2019 Week 33 U.S. Economic Calendar

By | Economic Calendar

The week of August 12th, 2019 scheduled economic reports. Key reports are retail sales, housing, and consumer price index.

Monday, August 12th

  • Federal budget released.

Tuesday, August 13th

  • Small business index.
  • Core CPI – Consumer Price Index.
  • Report on Household Debt and Credit.

Wednesday, August 14th

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.

Thursday, August 15th

  • Retail sales.
  • Weekly unemployment claims.
  • Manufacturing survey.
  • NAHB homebuilder survey.

Friday, August 16th

  • Housing Starts.
  • Consumer sentiment.
  • State Employment and Unemployment.

Join Paramount Bank and Be Activated!

By | News and Updates

We are on a mission to create the best team of loan originators and operations professionals to get loans closed as quickly as possible with quality. We hope to create a competitive atmosphere for those go-getter originators that are hungry for more clients, and treat them like family.

Paramount has a variety of branches all across the country. Our branches tend to be tight-knit groups of people that enjoy what they do.  We also can arrange for you to work remotely as well!

Do you think you would be a great fit for the #HomeTeam? Visit

Don’t Wait to Be a Veteran to Take Advantage of Your VA Benefits

By | Good Reads, Mortgage Tips

Many service members don’t understand what they can do with their VA benefits.

  1. Why do people not consider this option? What do they usually think is their best course of action?
  2. Why is a mortgage back program more advantageous than other options, or what people normally do when buying/getting a mortgage?
  3. What other suggestions do you have for veterans and non-veterans when considering a mortgage back program?

Back when I was in the military, there was no financial education provided to us active duty service members. In the years since then, that hasn’t changed. Those who want to learn about financial education are required to seek it out themselves.  

If I had known what I know now, I would have made different financial decisions in the military. Service members aren’t given the explicit opportunity to know that they have a chance to set up a real estate portfolio, one that is unavailable to every other American.

This is an important piece that I wish every service member could read. Since learning what I now know, I’ve made it part of my personal mission to educate active duty service members on these benefits.

Here’s the long story short: service members can use their VA loan benefits to purchase properties while they move from base to base. This will allow them to create a small real estate portfolio with cash-flowing properties.

Building a real estate portfolio, for anyone, is a great way to increase cash-flow and turn a consistent profit. But it’s not as easily accessible to most Americans as it is for service members.

The way this works is if you are an officer, you’ll probably move to around 2-3 bases during a ten year period. At each base, you’re given a basic allowance for housing, around $800 per month (depending on your rank). You have the choice to rent or purchase a home. Most service members rent. This is understandable; it’s cheaper, less hassle and if you don’t plan on staying long, it seems to make sense. That’s a short term mentality, not a long term one. 

Let’s say you wanted to buy instead. How much house can you actually afford with $800 a month? Where interest rates are right now, you could afford a monthly payment on a roughly $165,000 home, dependent on location. Most military bases have some level of affordable housing around them that can easily be purchased at that price; these home markets are almost made for you to take advantage of these benefits.

One of the best VA loan benefits is the opportunity to put 0% down on any home purchase. What other investor or demographic out there has this ability? Where else can you put 0% down, buy a house, and have the government pay your monthly payment while you live there?

This whole time, you can build up equity. On average, you’ll be stationed at that base for about three years before you move on to a new base and therefore, new home. You’d be right to think that you should be renting out that first property you purchased. But what do you do at the next station? Most would assume that you start renting. What a lot of people don’t understand is you can use your VA loan benefits again. You can keep your VA loan on the current property, and use the remainder of your entitlement to buy another primary residence with a new VA loan.

Now we’re talking about going to a new base, putting 0% down again, and the government’s making another home payment for you. At the same time, you’re renting out your first property and receiving a steady cash-flow from that. There’s a tremendously active rental market surrounding every military base, so you’re not going to have a hard time getting somebody in there to rent. Most likely, it’s going to be someone in the military, which increases your odds of getting paid because they’re getting basic allowance on housing – the same you were offered, and used to purchase a home instead… All you need is a qualified property management company close to the base, and there are plenty.

You’ll probably have enough time to do this a third time when you next move. So by the time you leave the service, you will have made the most of all your VA entitlements. You’ll have three properties you’ve purchased that you are consistently renting out and generating cash from, and you’re settling down into a home of your own.

A real house, with three investment properties right out of the military without paying a cent of your own money? You can’t sweeten that deal.

This is a fundamental game changer. That’s why it’s so important to me to educate everyone. To accomplish this, we at Paramount Bank have partnered with the USO, specifically their Pathfinder program, to go on bases and provide actual financial education to our men and women in the military. We don’t focus just on real estate, however, but on all the benefits available while on duty and to veterans as they transition into civilian life. 

Paramount Bank is proud to help educate. Through this program and through the Veterans Association for Home Ownership (, we are actively going around the country and changing lives.

I never took a single class or received even a booklet on how to use my VA benefits while I was in the military. I was left to figure it out on my own. That’s still the case today. Can you imagine a world in which every service member knew what was possible with their benefits? I can, and that’s why I’m working to change our current reality.

2019 Week 31 U.S. Economic Calendar

By | Economic Calendar

The week of July 29th, 2019 scheduled economic reports. Key reports are FOMC and jobs.

Tuesday, July 30th

  • Case-Shiller House Price Index.

Wednesday, July 31st

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • ADP Employment Report.
  • FOMC Announcement.

Thursday, August 1st

  • Unemployment claims.

Friday, August 2nd

  • Jobs report.
  • Consumer sentiment.

How Does One Create the “Team of the Future?” Here’s What We’re Doing.

By | Good Reads

Companies who lose sight of their values and their community, lose their customers.

The new opportunity I’ve taken as President of Paramount Bank Direct allows me to draft my own team. This is both exciting and challenging. 

Creating the right team, selecting the right members of that team, managing them effectively, and helping them achieve their potential all comes down to the core values that guide your business. 

Hiring the right people isn’t just matching candidates to a matrix and opting for the one that checks the most boxes. It involves making educated guesses on how that person will adapt to the changes you make, how they’ll interact with your team, and how they’ll internalize and proliferate the values of your company.

Most of all, it means you understand yourself and your company’s North Star. If you don’t attract the right talent, you’ll be stuck with a team of people who are satisfied with doing the bare minimum. They’re happy following the rules, but they’re not pushing the company forward. An open position is more than just a cold chair in the office, it’s an opportunity to add something unique to your team, not just complete tasks.

These are the kinds of things that I think about now that I have the chance to build a team from the ground up. I don’t just look at the experience, or the things they achieved; I look at how they achieved it, how they interact with others. 

Skills can be taught and culture can be adapted, but spirit and a deep-rooted drive to win comes only every once in a while.

These team members face the challenge (and unique opportunity, depending on how they look at it) that the structure and foundation of our team doesn’t exist yet. They’re not coming in to something pre-built and ready for them to hit the ground running. They’re going to be building the car and racing it at the same time. This makes it all the more important that we find the right people, not just the right skills.

“When building a team, I always search first for people who love to win. If I can’t find any of those, I look for people who hate to lose.” – Ross Perot

When you’re looking to hire someone new, or create a new team, what are the things you need to look for? When you want to activate someone into a position that requires competence, drive, and a number of other immeasurable traits, what are the signs you’re talking to the right person? Here are a few that I’ve learned.

1. This person can point to a specific challenge they overcame. 

Good team members can identify the problem and what they did to resolve it through their own hard work. This can include personal problems like addiction and environmental, emotional, or mental challenges. They also rarely take all the credit for overcoming it. Team spirit is key.

2. They can clearly communicate an example of a plan they made to achieve a specific goal, what the outcome was, and what they learned. 

They are honest enough to go back and review their execution and the outcome. They’re forward thinking and think about what can improve the next time. That type of honest thought process is synonymous with a good employee and good teammate.

3. They have a history of service orientation. 

This includes giving back their time to their community and those less fortunate than them. The best team members have a bigger purpose for their life. They understand their place in their community and that what they do has an impact on the positive growth of that community and their relationship within it. They are most interested in making time count.

4. They have a track record of measurable success in the space in which you are considering hiring them.

Skills can be adapted across industries, but passion and experience within your space will ensure a smooth on-boarding process. These people can help others who are newer to the space and serve as immediate mentors.

5. They demonstrate a focus on their team.

Do they have an obvious history of working well with a team? In the world today, nobody works alone. We all need to collaborate and work together, and someone who can’t handle that isn’t going to do very well in a team of any size. Good team members think of the team first and themselves second. They say “We,” not “I.”

More and more people are making decisions based on the values of the companies they work with. People want to feel like they’re a part of the bigger picture, whether that’s customer-focused or more internal. We don’t have a bullet list of our values, but we do have core beliefs that will help define them. I don’t want to go into too much detail because culture and values will be something that naturally develop over time. However, they all boil down to one principle: a singular focus on customer needs. No matter what we do or how we’re doing it, we’re going to settle every dispute, issue, or problem in a way that is absolutely best for the customer. 

Every. Single. Time.

We will also give more than money back to the community. We will give our employees the time and opportunity to connect to the communities in which they work. The more we get past the foundation, the more and more of our focus will be dedicated to giving back, doing the fun stuff, and creating a community-centric culture.

It is important to make sure that every employee, team member, and customer knows our vision, and knows that we are truly dedicated to that vision. The mortgage business is extremely regulated, and those regulations change from state to state. It truly takes a large and talented team to navigate that world.

In order to do that, you need the right people with the right values  and motivations. The team of the future will do it. Do you want to be a part of it?

2019 Week 30 U.S. Economic Calendar

By | Economic Calendar

The week of July 22nd, 2019 scheduled economic reports. Key reports are home sales and GDP.

Tuesday, July 23rd

  • Existing Home Sales.
  • Fed Survey of Manufacturing Activity.

Wednesday, July 24th

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • New Home Sales.

Thursday, July 25th

  • Unemployment claims.
  • Philly Fed manufacturing survey.

Friday, July 26th

  • GDP annual update.

“New bill slashes FHA mortgage insurance for first-time homebuyers”

By | Econ News, News and Updates

The House recently passed a bill that will benefit first-time home buyers that are eligible for an FHA loan.

“The Housing Financial Literacy Act of 2019, or H.R. 2162, stipulates that first-time homebuyers who complete a housing counseling program to learn about sustaining homeownership can get a 25-basis-point discount (0.25%) on their upfront mortgage insurance for an FHA loan.” – Jessica Guerin, Housing Wire

We will keep you up to date on this bill in the future.

Read Housing Wire’s full article here.

Airport USB Charging Stations Dangerous?

By | News and Updates

So, you are sitting at the airport waiting for an hour because you like to be extra early, and you realize in the heat of packing last night, you didn’t plug your phone in before bed. You see a USB charging station next to your seat and think “perfect!”

Not so fast, there. This charging station could have been compromised by hackers. According to an article written by Suzanne Rowan Kelleher, a Forbes contributor, these charging stations can be easily modified to steal your data.

“Plugging into a public USB port is kind of like finding a toothbrush on the side of the road and deciding to stick it in your mouth. You have no idea where that thing has been,” says Caleb Barlow, Vice President of X-Force Threat Intelligence at IBM Security.  “And remember that that USB port can pass data.”

From hacking USB charging stations to stealing credit card info from a couple feet away with scanners, travelers need to be on the watch for the modern pick-pocket.

“The 2019 IBM X-Force Threat Intelligence Index reveals that the transportation industry has become a priority target for cybercriminals as the second-most attacked industry — up from tenth in 2017. Since January 2018, 566 million records from the travel and transportation industry have been leaked or compromised in publicly reported breaches,” Kelleher wrote.

In conclusion, our recommendation is to simply charge your phone via the wall outlets that are littered throughout airports like you have been doing for years. It’s not worth the risk to use the more convenient USB charging stations.


Forbes article:

Chicago-Style Hot Dog

By | Favorite Recipes

Recipe By: elsaw from

“The Chicago Dog is a Windy City classic, and a big favorite with sports fans! The frank must be all-beef, the bun must be poppyseed, the ingredients must be piled onto the bun in the order specified. And whatever you do, don’t spoil the splendor with ketchup!”

1 all-beef hot dog
1 poppyseed hot dog bun
1 tablespoon yellow mustard
1 tablespoon sweet green pickle relish
1 tablespoon chopped onion
4 tomato wedges
1 dill pickle spear
2 sport peppers
1 dash celery salt

Bring a pot of water to a boil. Reduce heat to low, place hot dog in water, and cook 5 minutes or until done. Remove hot dog and set aside. Carefully place a steamer basket into the pot and steam the hot dog bun 2 minutes or until warm.
Place hot dog in the steamed bun. Pile on the toppings in this order: yellow mustard, sweet green pickle relish, onion, tomato wedges, pickle spear, sport peppers, and celery salt. The tomatoes should be nestled between the hot dog and the top of the bun. Place the pickle between the hot dog and the bottom of the bun. Don’t even think about ketchup!

Time to Re-imagine the Mortgage Experience — Paramount Bank Promise

By | News and Updates

Mortgages Are Changing, and This Is How.


Recent estimates show that 90% of people will want to do business with a company that includes no human interaction by 2020. 

With this in mind, Paramount Bank is re-imagining the mortgage experience. We are crafting humanized technology powered by machine learning that results in a dynamic experience for the consumer. A self-service, personalized portal that can be as human as the consumer wants. No longer will the process be a one-size-fits-all when it comes to applying for a mortgage, no more linear paths. With new technology and data available to us, we are able to change the way the consumer thinks about and interacts with the home loan process.

Technology creates efficiencies. Professional athletes today don’t show up with equipment from 1950, they use the best that’s available to them. The same is true in business and in the mortgage industry. Our professionals must arm themselves with the best equipment (technology) available in order to do the best job they can.

If we keep doing what we’ve always done (with the same technology) we’ll keep getting what we’ve always got.

Our loan officers are going to become much more efficient and their role is going to change drastically. Today they function as the quarterback of the loan process, directing and executing. But very soon they will evolve into the coach of the team, coordinating high-level decisions and managing long-term deals. The future is bright for the loan officers of today, and it’s only going to get better for those that are working at the right place and willing to take advantage of it. One of our goals at Paramount Bank is to make that evolution happen as quickly and successfully as possible, because we believe that the better our loan officers are, the better company we become. In today’s world everyone’s roles and jobs are changing and evolving. It’s up to us as responsible companies to make sure our people are ahead of the game.


“We won’t recognize the mortgage industry we know today. That’s a good thing.”


Paramount Bank is doubling down on reinvesting in mortgages in order to be a market leader in a time when other competitors are saying mortgage is a 4 letter word and “someone can do it better than us.” The companies and consumers of today want to work with a genuine brand that is forward-thinking and community-focused. Do you want to work with someone that treats your mortgage like an afterthought, or someone who really wants it to be the most pleasant experience of the home-buying process?

To do this, Paramount Bank is focusing on three areas.

  • Paramount Bank made the strategic and intelligent decision to sign a contract with a new Loan Origination System.

We broke ranks with the vast majority of mid-sized lenders in the country and chose Black Knight Inc. – Empower Now LOS.

We owe a huge debt to our team that waded through the tough selection process by looking to the future and not just taking the path most traveled, choosing to differentiate Paramount Bank with first-in-class technology. Many of our new additions are veterans of the banking and mortgage industry (including senior leaders from Fannie Mae) who want to see change, and want to see it happen fast. We have also focused on hiring those who have the discipline to work in hard situations and have a unique outside perspective. As a result, we hired 10 military veterans in our first 60 days.

  • Paramount Bank took a deep look at the current process, and it was immediately evident that everyone in this operation cares about the customer, cares about the company, and (most specifically) cares about the team. Their years of service together have rallied the teams around specific mortgage loan officers in a way I have never seen before. It was also immediately evident that there is a high level of customization surrounding each individual originator, which is very unique for this industry.

Moving forward, it is necessary that we define our standard operating procedures, and focus on staffing to fulfill new business. To do that, we’ve focused on hiring only the best and brightest available. If I went through the large achievements of our entire team, I’d most definitely lose you if I haven’t already. It’s fair to say that each and every one of our new team members is cut out to join and fit in with a team that cares as much as the original Paramount Bank team does. 

  • Change comes from within. Paramount Bank recognizes that to achieve scale we must make sure our hiring, on-boarding, and career development processes are best-in-class and engage our team members in a professional and comfortable way from day 30 to day 3650 of their tenure at Paramount Bank. There is substantial work required in this arena, and with the help of a truly talented team, we’ve been able to on-board all of the unique talent we need here and successfully recruit top leaders who will be responsible for creating, executing, and continually improving the processes in each of these key areas mentioned above.

What we’re doing at Paramount Bank will reinvent the home loan experience for internal and external customers alike. Our focus isn’t limited to just the prospective homeowner, but everyone from the local bank to the Wall Street corner office. We’re putting ourselves in front of the changes that are coming to the industry and will decide for ourselves the success we want to have.

Paramount Bank intends to be the premier platform for both outstanding CD and Retail bankers by providing best-in-class technology, marketing, operational excellence, product mix, on-boarding, training, and leadership development, all while focusing on our customer at all times, and having a community service-oriented culture.

Can you name another bank or mortgage company that thinks and cares about their employees and customers in the same way? Because I cannot. That’s why the world is going to change. And it’s going to change quickly. With the rate of change that we are seeing, who’s to say where it will stop, or how much it will change.

While we can’t know perfectly what the industry will look like twenty years from now, one thing is certain: it will be radically different from what we know today, and we may not recognize it. I’m excited for that day, and I’m happy to be leading a team on the winning side.


2019 Week 29 U.S. Economic Calendar

By | Economic Calendar

The week of July 15th, 2019 scheduled economic reports. Key reports are retail sales and housing.

Monday, July 15th

  • July manufacturing survey.

Tuesday, July 16th

  • Retail sales.

Wednesday, July 17th

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • Housing starts.
  • Fed Beige Book.

Thursday, July 18th

  • Unemployment claims.
  • Philly Fed manufacturing survey.

Friday, July 19th

  • Consumer sentiment index.
  • State Employment.

2019 Week 28 U.S. Economic Calendar

By | Economic Calendar

The week of July 8th, 2019 scheduled economic reports. Key reports are inflation data and FOMC minutes.

Monday, July 8th

  • Consumer Credit.

Tuesday, July 9th

  • Small business optimism from the NFIB.

Wednesday, July 10th

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • FOMC Minutes.

Thursday, July 11th

  • Unemployment claims.
  • CPI inflation data.

Friday, July 12th

  •  Producer Price Index, inflation data.

2019 Week 27 U.S. Economic Calendar

By | Economic Calendar

The week of July 1st, 2019 scheduled economic reports. Key reports are manufacturing and jobs.

Monday, July 1st

  • Manufacturing index.

Tuesday, July 2nd

  • Housing starts.

Wednesday, July 3rd

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • ADP Employment Report and weekly unemployment report.

Thursday, July 4th

  • Independence Day

Friday, July 5th

  • Employment report.

2019 Week 25 U.S. Economic Calendar

By | Economic Calendar

The week of June 17th, 2019 scheduled economic reports. Key reports are home starts and sales with a FOMC meeting on tap.

Monday, June 17th

  • New York Fed manufacturing survey.
  • Homebuilder survey.

Tuesday, June 18th

  • Housing starts.

Wednesday, June 19th

  • Mortgage Bankers Association (MBA) mortgage purchase applications index.
  • FOMC Meeting.

Thursday, June 20th

  • Weekly unemployment claims.

Friday, June 21st

  • Existing home sales.


By | News and Updates


Tickets Now Available for the 2019 St. Louis St. Jude Dream Home Giveaway!

We are excited to share the opportunity to help in the fight against childhood cancer! We need your support to join us in the 10th Annual St. Louis St. Jude Dream Home Giveaway, in our mission to raise over $1,100,000 for the kids of St. Jude!

The St. Jude Dream Home Giveaway house, by Payne Family Homes, is located in the Villages of Sandfort Farm in St. Charles, MO. With an estimated value of $487,000, this brand new house comes with 3 beds and 3.5 baths in approximately 4,700 sq. ft.

As an additional incentive, everyone who reserves a ticket by Wednesday, June 12th will be entered to win a $2,500 Visa gift card, courtesy of Paramount Bank.

To reserve your ticket(s), please visit or call 1-800-667-3394.

Thank you for supporting the kids of St. Jude and the fight to end childhood cancer! You could win a house. You will make a difference.

Visit or call 1-800-667-3394 to get your ticket today!

Giveaway is conducted by and benefits ALSAC/St. Jude Children’s Research Hospital®. Void where prohibited by law. View the terms and conditions.

Parmesan Corn on the Cob

By | Favorite Recipes


  • 8 ears corn, unhusked
  • 8 tablespoons unsalted butter, at room temperature
  • 2 cloves garlic, pressed
  • 1/2 teaspoon dried thyme
  • Kosher salt and freshly ground black pepper, to taste
  • 1/2 cup freshly grated Parmesan
  • 2 tablespoons chopped fresh parsley leaves


  1. Preheat oven to 350 degrees F.
  2. Place corn, in its husks, directly on the oven rack. Roast until tender and cooked through, about 40-45 minutes.*
  3. In a small bowl, combine butter, garlic and thyme; season with salt and pepper, to taste.
  4. Peel down the husks. Rub each ear of corn with 1 tablespoon butter mixture.
  5. Serve immediately, sprinkled with Parmesan and parsley, if desired.


Recipe from:

2019 Week 24 U.S. Economic Calendar

By | Economic Calendar

The week of June 10th, 2019 scheduled economic reports. Key reports are retail sales and consumer price index.

Monday, June 10th

  • Job openings from the U.S. Bureau of Labor Statistics.

Wednesday, June 12th

  • Consumer Price Index inflation data.
  • Mortgage Bankers Association (MBA) mortgage purchase applications index.

Thursday, June 13th

  • Weekly unemployment claims.

Friday, June 14th

  • Retail sales.
  • Industrial production.

10 Father’s Day Gift Ideas for the Last-Minute Shopper

By | Good Reads

It’s that time of year again: Father’s Day. What should you get your dad? He doesn’t drop hints and usually buys stuff when he needs it. We’ve listed some things he probably didn’t think he could use, but will definitely enjoy:

1. Mechanic Gloves

Dad probably works on the car every once in a while…or at least claims to… He’s got to protect those man hands a little bit, right? We recommend Mechanix brand gloves for working on cars, mowing the lawn, woodworking, shooting guns, or doing whatever else dads like to do!

Recommendation: Mechanix Wear

2. High-Quality Belt

Ever notice your dad letting a notch out on his belt after a big meal? The problem there is that it shows the stress mark where the buckle is usually positioned and, let’s face it, it’s a little awkward to see that at the table or living room after dinner. Anson Belts has you covered there! Their belts have a click-ratcheting system that allows for micro adjustments discretely.

Recommendation: Anson Belt

3. Stylish Watch

Dad needs to know what time to flip the steaks and is too stubborn to carry his phone around the house, so a watch would be a great gift. Why not look stylish while he’s at it? Vincero Watches look amazing at the barbecue pit or the business meeting. They even have easily interchangeable bands!

Recommendation: Vincero Watches

4. French Press

Pops has to be up and at ‘em for work or that weekend fishing trip. He’d probably enjoy a quick cup of coffee that doesn’t taste like dirt. Get him a French press and a decent bag of ground coffee to keep him going throughout the day!

Shop French Presses

5. Whiskey Stones

If your dad loves having a nice, smooth glass of whiskey before bed, or enjoys looking classy at the poker table, whiskey stones are a good addition. They keep that sweet nectar chilled without diluting it with water! Everybody knows it’s a sin in Scotland to water down good Scotch.

Shop Whiskey Stones

6. Beard Oil

Beards are in right now, everybody knows it. There’s a good chance your dad has a beard, if not, move on to #7. Now, for those of you that stayed, beard oil is a must to keep that chin main looking lively! Treat your dad to some beard oil.

Shop Beard Oil

7. Beer Making Kit

Challenge your dad to make a better beer than the IPA you drink all the time. If he succeeds, convince the old man to start a microbrew!

Shop Beer Making Kits

8. Fitbit

You love your dad. You want him to be around for a long time, and exercising helps achieve that! Getting him a Fitbit might convince him to start going for runs. He will thank you for it later.

Shop Fitbits

9. Fitted Golf Clubs

There’s a good chance your dad plays on the links with his buddies. Take him to a golf store and get his clubs fitted and regripped. You’ll be surprised how many guys are playing with stock clubs that aren’t tailored to their swing and body. Most shops do this for free when you buy a new set! That way, he’ll have no excuses for slicing it into the tree line when you play with him this summer.

10. Projector for Smartphones

Does your dad always have some cool video he saw on “The YouTubes?” With a projector that connects with smartphones, he can show you the video more easily on a blank wall. He could also use this to do “film” with the kids before the big football game, who knows?

Recommendation: Rif6 Projector

6 Million People Can Potentially Lower Their Mortgage Payment With A Refinance

By | Econ News

Recent turbulence in the markets could be a windfall for 5.9 million homeowners. According to a report from Black Knight almost 6 million homeowners could improve their cash-flow by refinancing into a lower interest rate on their home loan.

Interest rates have plummeted as international trade disputes and a sluggish economy drive investors into bonds. Home loan rates are hovering near 4 percent again – the lowest average for the 30-year fixed-rate mortgage in well over a year. Most analysts were anticipating interest rate hikes this year but now almost 6 million homeowners are in the money to refinance to a lower rate. Black Knight’s report indicates the potential savings on interest totals almost $1.6 billion or $271 per home loan per month.

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