Thu, Mar 12 - 5:00 PM ET
Market Wrap: Our benchmark 4.5% mortgage bond rallied for the 2nd consecutive day gaining 22bp to close at $101.19 while the stock market enjoyed its first 3-day rally since Jan. 26-28. The day's news drove both markets higher for different reasons. For bonds, mixed economic news and a successful $11 billion auction in re-opened 30-year Treasury bonds led the way higher. Retail Sales initially weighed on bond prices following a stronger than expected reading of -0.1% in February vs. a consensus estimate for a -0.4% drop. Also, January's Retail Sales were revised to a higher 1.8% gain from an initially reported gain of 1.0%. After factoring out the effect of declining auto sales, Retail Sales had a gain of 0.7% vs. a forecast of 0.2% for February. However, weekly Jobless Claims allowed bonds to recover after showing continuing weakness in the labor market with an increase of 9,000 claims to 654,000. The four-week moving average for those claims increased by 6,750 to 650,000, the highest average in 27 years. Continuing jobless claims jumped by 193,000 to 5.32 million claims with the four-week moving average for these claims climbing by 124,250 to 5.14 million, both record high levels. The $11 billion 30-year auction exceeded expectations with a solid 2.40 bid to cover ratio and a better 46.2% level of foreign buying. In addition to the positive Retail Sales data, the catalyst for stocks was a less than feared cut in GE's credit rating by Standard & Poor's. GE's credit rating was taken down a peg due to problems with GE Financial but investors had feared a worse cut. Hearings before the House Financial Services subcommittee on mark-to-market accounting also lent support to stocks. Congressional leaders threatened to take corrective action if the SEC and Financial Accounting Standards Board (FASB) doesn't get off of their derrieres and enact more flexible accounting guidance. FASB Chairman Robert Herz told committee members that FASB could offer 'guidance in three weeks.' The Dow advanced 239 points to close at 7,169 while the broader S&P 500 Index reclaimed 29 points to end at 750. The NASDAQ Composite Index added 54 points to finish at 1,426.

4:26 PM ET - The NY Fed purchases $27B in MBS from Mar 5 through Mar 11 bringing the total to $217B since the program began.

4:02 PM ET - Don't look now but a three day rally in Stocks are in the books. The Dow is up 237 points at the close. S&P 500 at 750 up nearly 30 points led by surging shares of GE and the financial sector.

3:47 PM ET - Crude ends at $47.03/barrel up $4.70.

I need to hire Residential and Commercial Title Insurance Marketing Representatives. Commissions paid are 20-30% of the Premiums Earned

I am in the need for Residential and Commercial Title Insurance Marketing Representatives in MD, DC, DE, FL, IL, IN, MI, MN, ME, NH, CO, GA, MO, MS, NJ, OH, PA, RI, TN, VA, NY, VT and CT. The commission pay is 20-30% of the title premium earned. We have full and modern technologies to assist you in finding, maintaining, tracking and servicing your clients. This may be the perfect opportunity for anyone that has direct or indirect access to relationships that can generate title insurance for either residential or commercial title insurance needs. We offer full processing, support and accounting of all files at every step of the progress of the order. We close anytime and anywhere. We offer title service needs for all 50 states, but are looking for Marketing Representatives only for the states that are listed. Please contact me directly for a completely confidential conversation and/or interview.

Larry Bailey

609-760-7222 Phone

609-228-6378 Fax

Larryb147@gmail.com

Tue, Feb 17 - 1:52 PM ET
U.S. homebuilder sentiment surprisingly rose in February but were still near all-time lows. The NAHB/Wells Fargo Housing Market Index sqeeked out a 1 point gain to 9 from the record low of 8.

12:26 PM ET - Equity markets still under considerable pressure pushing dollars into the safe haven of the debt markets. The Dow is off 285 points while the 4.5% MBS is higher by 44bp.

9:50 AM ET - MBS trading higher as Stocks near low levels hit back in late November. NY Empire Index plummets to record low of -34.65. Treasuries soaring as investors seek safe haven. Oil falling by $2.50 at $35/barrel as demand wanes.

8:15 AM ET - Global stocks drop on continued fears of a worldwide recession will continue. Stock futures plunging here in the U.S. Treasuries advance the most in a week as investors seek safe havens. Oil falls to $36.61/barrel down 88 cents. MBS not yet open.

All I hear about these days are different title companies offering leads. Leads seem to be everywhere all of a sudden. Public records, triggers, exclusive, live transfer, Internet, valuation, etc. The list of leads that is available is long, so why are there so many loan officers, real estate agents and title representatives hurting for business???? It's easy. It's one word.

CONVERSION

What if I could help you take your next 100 leads (that you may have paid 25 cents to 25 dollars) and find 3 more loans in there? How much is that worth to you? What would you do to make an extra $6,000 to $12,000 this month?

I do not have anything other than a proven rate of contact and conversion that I would like to share with you.

I work for Assembly Title, LLC in Hainesport NJ. I would love to show you what I am talking about. After a 5 minute conversation and a few answers, we can decide if a meeting is the next step. Here are a couple of the questions that I usually cover:

1. What is the name of your Lead Management System?

2. What is your current conversion ratio?

3. What is your system of incubating all of the leads that you receive?

I do not sell anything (for those that may think so), but I do enjoy building and helping people, as part of the relationship process.

If you are not converting 10% of your leads that you receive, or if you are looking to have a serious conversation with a Title Company that will actually help you FIND business, not just TAKE orders, let me know.

Very Truly,

Larry Bailey

609-760-7222 Mobile

Lbailey@AssemblyTitle.com

We are near all of the major cities in Southern New Jersey. We are within miles of the following towns and cities in New Jersey

Aberdeen
Absecon
Alexandria
Allamuchy
Allendale
Allenhurst
Allentown
Alloway
Alpha
Alpine
Andover
Andover
Asbury Park
Atlantic City
Atlantic Highlands
Audubon
Audubon Park
Avalon
Avon-by-the-Sea
Barnegat
Barnegat Light
Barrington
Bass River
Bay Head
Bayonne
Beach Haven
Beachwood
Bedminster
Belleville
Bellmawr
Belmar
Belvidere
Bergenfield
Berkeley
Berkeley Heights
Berlin
Berlin
Bernards
Bernardsville
Bethlehem
Beverly
Blairstown
Bloomfield
Bloomingdale
Bloomsbury
Bogota
Boonton
Boonton
Bordentown
Bordentown
Bound Brook
Bradley Beach
Branchburg
Branchville
Brick
Bridgeton
Bridgewater
Brielle
Brigantine
Brooklawn
Buena
Buena Vista
Burlington
Butler
Byram
Caldwell
Califon
Camden
Cape May
Cape May Point
Carlstadt
Carneys Point
Carteret
Cedar Grove
Chatham
Chatham
Cherry Hill
Chesilhurst
Chester
Chester
Chesterfield
Cinnaminson
Clark
Clayton
Clementon
Cliffside Park
Clifton
Clinton
Clinton
Closter
Collingswood
Colts Neck
Commercial
Corbin City
Cranbury
Cranford
Cresskill
Deal
Deerfield
Delanco
Delran
Demarest
Dennis
Denville
Deptford
Dover
Downe
Dumont
Dunellen
Eagleswood
East Amwell
East Brunswick
East Greenwich
East Hanover
East Newark
East Orange
East Rutherford
East Windsor
Eastampton
Eatontown
Edgewater
Edgewater Park
Edison
Egg Harbor
Egg Harbor City
Elizabeth
Elk
Elmer
Elmwood Park
Elsinboro
Emerson
Englewood
Englewood Cliffs
Englishtown
Essex Fells
Estell Manor
Evesham
Ewing
Fair Haven
Fair Lawn
Fairfield
Fairfield
Fairview
Fanwood
Far Hills
Farmingdale
Fieldsboro
Flemington
Florence
Florham Park
Folsom
Fort Lee
Frankford
Franklin
Franklin
Franklin
Franklin
Franklin
Franklin Lakes
Fredon
Freehold
Freehold
Frelinghuysen
Frenchtown
Galloway
Garfield
Garwood
Gibbsboro
Glassboro
Glen Gardner
Glen Ridge Borough
Glen Rock
Gloucester
Gloucester City
Green
Green Brook
Greenwich
Greenwich
Greenwich
Guttenberg
Hackensack
Hackettstown
Haddon
Haddon Heights
Haddonfield
Hainesport
Haledon
Hamburg
Hamilton
Hamilton
Hammonton
Hampton
Hampton
Hanover
Harding
Hardwick
Hardyston
Harmony
Harrington Park
Harrison
Harrison
Harvey Cedars
Hasbrouck Heights
Haworth
Hawthorne
Hazlet
Helmetta
Hi-Nella
High Bridge
Highland Park
Highlands
Hightstown
Hillsborough
Hillsdale
Hillside
Ho-Ho-Kus
Hoboken
Holland
Holmdel
Hopatcong
Hope
Hopewell
Hopewell
Hopewell
Howell
Independence
Interlaken
Irvington
Island Heights
Jackson
Jamesburg
Jefferson
Jersey City
Keansburg
Kearny
Kenilworth
Keyport
Kingwood
Kinnelon
Knowlton
Lacey
Lafayette
Lake Como
Lakehurst
Lakewood
Lambertville
Laurel Springs
Lavallette
Lawnside
Lawrence
Lawrence
Lebanon
Lebanon
Leonia
Liberty
Lincoln Park
Linden
Lindenwold
Linwood
Little Egg Harbor
Little Falls
Little Ferry
Little Silver
Livingston
Loch Arbour
Lodi
Logan
Long Beach
Long Branch
Long Hill
Longport
Lopatcong
Lower
Lower Alloways Creek
Lumberton
Lyndhurst
Madison
Magnolia
Mahwah
Manalapan
Manasquan
Manchester
Mannington
Mansfield
Mansfield
Mantoloking
Mantua
Manville
Maple Shade
Maplewood
Margate City
Marlboro
Matawan
Maurice River
Maywood
Medford
Medford Lakes
Mendham
Mendham
Merchantville
Metuchen
Middle
Middlesex
Middletown
Midland Park
Milford
Millburn
Millstone
Millstone
Milltown
Millville
Mine Hill
Monmouth Beach
Monroe
Monroe
Montague
Montclair
Montgomery
Montvale
Montville
Moonachie
Moorestown
Morris
Morris Plains
Morristown
Mount Arlington
Mount Ephraim
Mount Holly
Mount Laurel
Mount Olive
Mountain Lakes
Mountainside
Mullica
National Park
Neptune
Neptune City
Netcong
New Hanover
New Milford
New Providence
Newark
Newfield
Newton
North Arlington
North Bergen
North Brunswick
North Caldwell
North Haledon
North Hanover
North Plainfield
North Wildwood
Northfield
Northvale
Norwood
Nutley
Oakland
Oaklyn
Ocean
Ocean
Ocean City
Ocean Gate
Oceanport
Ogdensburg
Old Bridge
Old Tappan
Oldmans
Oradell
Orange
Oxford
Palisades Park
Palmyra
Paramus
Park Ridge
Parsippany-Troy Hills
Passaic
Paterson
Paulsboro
Peapack-Gladstone
Pemberton
Pemberton
Pennington
Penns Grove
Pennsauken
Pennsville
Pequannock
Perth Amboy
Phillipsburg
Pilesgrove
Pine Beach
Pine Hill
Pine Valley
Piscataway
Pitman
Pittsgrove
Plainfield
Plainsboro
Pleasantville
Plumsted
Pohatcong
Point Pleasant
Point Pleasant Beach
Pompton Lakes
Port Republic
Princeton
Princeton
Prospect Park
Quinton
Rahway
Ramsey
Randolph
Raritan
Raritan
Readington
Red Bank
Ridgefield
Ridgefield Park
Ridgewood
Ringwood
River Edge
River Vale
Riverdale
Riverside
Riverton
Robbinsville
Rochelle Park
Rockaway
Rockaway
Rockleigh
Rocky Hill
Roosevelt
Roseland
Roselle
Roselle Park
Roxbury
Rumson
Runnemede
Rutherford
Saddle Brook
Saddle River
Sandyston
Sayreville
Scotch Plains
Sea Bright
Sea Girt
Sea Isle City
Seaside Heights
Seaside Park
Secaucus
Shamong
Shiloh
Ship Bottom
Shrewsbury
Shrewsbury
Somerdale
Somers Point
Somerville
South Amboy
South Bound Brook
South Brunswick
South Hackensack
South Harrison
South Orange Village
South Plainfield
South River
South Toms River
Southampton
Sparta
Spotswood
Spring Lake
Spring Lake Heights
Springfield
Springfield
Stafford
Stanhope
Stillwater
Stockton
Stone Harbor
Stow Creek
Stratford
Summit
Surf City
Sussex
Swedesboro
Tabernacle
Tavistock
Teaneck
Tenafly
Teterboro
Tewksbury
Tinton Falls
Toms River
Totowa
Trenton
Tuckerton
Union
Union
Union Beach
Union City
Upper
Upper Deerfield
Upper Freehold
Upper Pittsgrove
Upper Saddle River
Ventnor City
Vernon
Verona
Victory Gardens
Vineland
Voorhees
Waldwick
Wall
Wallington
Walpack
Wanaque
Wantage
Warren
Watchung
Waterford
Wayne
Weehawken
Wenonah
West Amwell
West Caldwell
West Cape May
West Deptford
West Long Branch
West Milford
West Orange
West Wildwood
West Windsor
Westampton
Westfield
Westville
Westwood
Weymouth
Wharton
White
Wildwood
Wildwood Crest
Willingboro
Winfield
Winslow
Wood-Ridge
Woodbine
Woodbridge
Woodbury
Woodbury Heights
Woodcliff Lake
Woodland
Woodland Park
Woodlynne
Woodstown
Woolwich
Wrightstown
Wyckoff

We cover the following counties for business as well:

Warren
Union
Sussex
Somerset
Salem
Passaic
Ocean
Morris
Monmouth
Middlesex
Mercer
Hunterdon
Hudson
Gloucester
Essex
Cumberland
Cape May
Camden
Burlington
Bergen
Atlantic