If I had to pick the question that I am asked most, it would be an easy choice "what do you think the rates are going to do?" I get asked this question almost every time I do a loan at the point when the Borrower has to make the decision whether to lock the rate or float it.

My answer to this question is simple "if I new what the rates were going to do, I would be on a very warm sunny beach, without a care in the world". If I could predict whether the rates were going to go up or down, I would be a very, very wealthy man.

My second response to this question is "that what ever I tell them that I think the rates are going to do, they will most likely do the opposite". I have been wrong so many times about what direction the rates will go in, that it is not even funny. You would think that the law of averages would be on my side by now, but it is unbelievable how I still get it wrong.

Many men and women much smarter than I am have tried to predict what the interest rates are going to do. But guess what, they are right about as often as I am. Yet every time a well known Economist comes out with a prediction on what they feel the interest rates will do, many accept it as if it were gospel.

There is only one thing that I know for sure about interest rates, and that is that they will constantly change, and that the only sure interest rate is the one I have at that moment in time. Which leads me to the answer that I give for the question "should I lock the rate now or wait to see what they will do?"

My answer is again a very simple one, "I am not a gambler, so for me the best rate is the one I know for sure right now." I then leave it up to the Borrower to decide for themselves, and hope that they make the right decision.

So what do you think the interest rates are going to do? :) :) :)

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Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

This week the Travelers Championship has been going on in Cromwell, Connecticut. This exciting PGA Golf Tournament started on Monday the 22nd with a week full of various activities before the serious glof begins this weekend. More than 200,000 spectators are expected to be at the TCP River Highlands Golf Coures.

The field will be lead by golfers such as Sergio Garcia, currently the No. 3 ranked player in the world; Vijay Singh, reigning FedExCup champion; and 2008 Champion Stewart Cink. Other well known golfers that are also here this week are Paul Azinger, Ricky Barnes, Chad Campbell, , Ben Crane, Ben Curtis, Lucas Glover, Anthony Kim, Justin Leonard, Hunter Mahan, Billy Mayfair, Kenny Perry, Justin Rose, Heath Slocum, David Toms, D.J. Trahan, Bubba Watson, and Boo Weekle.

The early part of the week the Travelers Championship tornament hosted events such as the Michelob ULTRA 19th Hole Concert Series, Women’s Day, kids events, and a new on-course Fan Zone featuring mini-golf. The last activity before the tournament begins will be a Pro-Am tournament with celebraties such as Ray Allen, Bill Belichick, Chris Berman, Jim Calhoun, Doug Flutie, Sandy Koufax,Joe Pesc, and many more.

This is a great event not only for golf fans, but for the whole family to come out and enjoy. I know that I am going to try to go at least one of the days this weekend.

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Info about the author:

George Souto is a Loan Officer who can assist you with all your FHA, CHFA, and Conventional mortgage needs in Connecticut. George resides in Middlesex County which includes Middletown, Middlefield, Durham, Cromwell, Portland, Higganum, Haddam, East Haddam, Chester, Deep River, and Essex. George can be contacted at (860) 573-1308 or gsouto@mccuemortgage.com

BICYCLE SAFETY PROGRAM

WATROUS PARK, CROMWELL, CT

With the weather getting warmer and children looking to venture outside more. The town of Cromwell CT is holding their annual bicycle safety program. Now is the time to make sure your childrens' bikes are up to standards.

On Saturday May 30, 2009 residence (ages 5 to adult age) of Cromwell are invited over to Watrous Park between the hours of 10:00am and Noon. Here you can get your bikes inspected, enjoy a rodeo and get a helmet education.

This event is sponsored by the Cromwell Recreation Dept., Cromwell Police Dept, Kiwanis Club of Cromwell and Cycle Concepts of Rocky Hill.

Feel free to contact Cromwell's Recreation Department for more information at 860.632.3467

FOR ACCURATE INFORMATION ON REAL ESTATE.. CONTACT YOUR LOCAL AGENT

Info about the author:

Valerie Osterhoudt is a Cromwell Connecticut Residential Realtor who can assist you with the purchase and/or sale of real estate in the Middlesex County of CT, which includes Rocky Hill, Berlin, Middletown, Wethersfield, Newington, as well as all other surrounding areas. Please visit me at www.CTrealtorMLS.com for all your relocation and/or local needs.

If you're thinking about buying a home in Cromwell CT there are plenty of great buys in today's market. There is no better time than now to take advantage of these homes while interest rates remain at an all time low. For more information on Cromwell CT real estate's homes and/or condos please visit Johnson Real Estate to access the newest listings.

Valerie Osterhoudt, ABR - Johnson Real Estate, Inc. - 860.635.0387 #2 - valerierealtor@sbcglobal.net.

Copyright © 2009 By Valerie Osterhoudt, ABR, All Rights Reserved...*BICYCLE SAFETY PROGRAM*

CAREER EXPRESS IS COMING TO CROMWELL CT

Wednesday, June 3rd from 9:00am to 3:00pm

CROMWELL TOWN HALL/LIBRARY PARKING LOT

Career Express is the Department of Labor's mobile One-Stop Career Center which provides the latest workforce and job skills development services to businesses, individuals and community-based organizations.

Assistance on the 38' bus includes job search strategies, resume writing, critiquing, and interviewing skills. It is equipped with 8 computer stations with Internet access, the latest audio-visual systems including a plasma TV with SMARTboard technology and hydraulic wheelchair lift to make it fully accessible to persons with disabilities.

For more information call the Belden Library at 860.632.3460

If you can't make it on June 3rd, check out this link for an overview of the One -Stop Services visit CT Works Locations

I'm posting this blog in hopes of helping out the community and promoting all the Cromwell CT has to offer.

FOR ACCURATE INFORMATION ON REAL ESTATE.. CONTACT YOUR LOCAL AGENT

Info about the author:

Valerie Osterhoudt is a Cromwell Connecticut Residential Realtor who can assist you with the purchase and/or sale of real estate in the Middlesex County of CT, which includes Rocky Hill, Berlin, Middletown, Wethersfield, Newington, as well as all other surrounding areas. Please visit me at www.CTrealtorMLS.com for all your relocation and/or local needs.

If you're thinking about buying a home in Cromwell CT there are plenty of great buys in today's market. There is no better time than now to take advantage of these homes while interest rates remain at an all time low. For more information on Cromwell CT real estate's homes and/or condos please visit Johnson Real Estate to access the newest listings.

Valerie Osterhoudt, ABR - Johnson Real Estate, Inc. - 860.635.0387 #2 - valerierealtor@sbcglobal.net.

Copyright © 2009 By Valerie Osterhoudt, ABR, All Rights Reserved...*CAREER EXPRESS IS COMING TO CROMWELL CT*

Here is another scam, that I thought I would pass along to the members here, to the elderly or native at heart.

I can't believe these are sent out via email... please just delete this if you see it in your email.. it isn't worth opening.

Dear Friend, I am Mr.Johnson Owen, From Liberia. The only surviving son of late Clif Jefferson, the owner of Mille Gold and Diamond Mining Company in Liberia. Unfortunately, my father was killed with my mother and my two younger brothers by some rebels during the war on July 21st 2003.I will like you to visit the website bellow for more information about the Death of my father:http://genocidewatch.org/LiberiaJuly22Rebels.htmBefore the death of my father, he deposited the sum of US$10.5M (Ten Million Five Hundred United States Dollar in a trust security company in BURKINA FASO which have branch offices in AMERICA,EUROPE,AFRICA and ASIA for safe keeping. I discovered a document in my late father's bed-room indicating that, He deposited the above mentioned amount in a trust company in Burkina Faso. Now, I am in Burkina Faso as A refugee. I want you to contact the security company on my behalf and release the consignment.I am willing to offer you 30% of the fund. I wish you to come down to Burkina Faso as to enable us go to the security company for the release of the consignment but if you are unable to come down then, you can contact them in America or Europe,Asia or Africa. You are to go to the security company in any of their offices as I mentioned above and sign off the consignment on my behalf. As soon as you release it then, you will help me to deposit it in your bank account since I don't have any bank account. If you are interested reply to my private email only david.martin200@laposte.net You will also help me to invest the fund wisely in your country under your care and control. All your expenses in this transaction will be deducted as soon as you release the consignment before we share the fund. Please, help me out in this transaction. If you are not interested, please notify me and delete the message from your inbox. Once again, I thank you for helping me out. If you are interested reply to my private email only david.martin200@laposte.net Yours Sincerely,Mr.Johnson Owen

When looking at real estate.. don't fall into a scam. Always check with a local reliable and knowledgeable Realtor.

FOR ACCURATE INFORMATION ON REAL ESTATE.. CONTACT YOUR LOCAL AGENT

Info about the author:

Valerie Osterhoudt is a Cromwell Connecticut Residential Realtor who can assist you with the purchase and/or sale of real estate in the Middlesex County of CT, which includes Rocky Hill, Berlin, Middletown, Wethersfield, Newington, as well as all other surrounding areas. Please visit me at www.CTrealtorMLS.com for all your relocation and/or local needs.

If you're thinking about buying a home in Cromwell CT there are plenty of great buys in today's market. There is no better time than now to take advantage of these homes while interest rates remain at an all time low. For more information on Cromwell CT real estate's homes and/or condos please visit Johnson Real Estate to access the newest listings.

Valerie Osterhoudt, ABR - Johnson Real Estate, Inc. - 860.635.0387 #2 - valerierealtor@sbcglobal.net.

Copyright © 2009 By Valerie Osterhoudt, ABR, All Rights Reserved...*CAN YOU HELP THIS MAN OUT??? ANOTHER SCAM.....*