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7/08/2016

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7/06/2016

Tree of Life Nursery


Tree of Life nursery
A wonderful nursery out on Ortega Highway near to my home...
California natives, gorgeous low water plants, resources for design,
book shop, gardening gifts and an old Spanish building.
Check for hours as they change with the seasons. This is a wholesale
location that does have a small store.

From the 5 Freeway Drive East and South on Ortega highway about
seven miles. Pass Gibby Road.
On the right hand side - green gate
33201 Ortega Hwy, San Juan Capistrano, CA 92675

Orange County California

Salvia Pozo Blue  -grey musk sage

rosa californica

See rose hips -native people used for medicine high in vitamin C

Box Thorn - low water and adds security

Great Basin Sagebrush Artemisia Tridenta

Pinus Torreyona


Toyon Holly

Native Holly is a fabulous small tree
Toyon- native California Holly is low water, can grow to ten feet,
dark green leathery leaves, Native peoples used for medicine and tea

7/05/2016

LOWEST Mortgage EVER 10 year CRASHES

MBS Recap | 3:59PM CALL C G now for a savings mortgage quote (949) 784-9699

  • 10yr yields traded well into the 1.3's, surpassing previous low of 1.381
  • No specific motivation at home or abroad, though there are several supporting actors
  • It's the big-picture "global growth concerns" that get us in the vicinity of all-time lows
  • More focused considerations push us around once we're there.
If you think about all-time lows in rates as a far away city, "global growth concerns" (GGC, to save space) would be like the plane that gets you there and the day-to-day economic headlines would be like the rental car you drive around town.  I bring this up because in these cases, we find ourselves talking about "all-time lows" as if they're somehow driven by the shorter-term considerations.
For instance, there was weak data in China overnight, a big drop in oil, more weakness in UK currency, slumping stocks, and ultimately weak data in the US this morning.  Did these things cause today's all-time lows?  Not even remotely!  They merely pushed markets around a town they wouldn't even be in if it wasn't for the jumbo jet (aka, GGC).
MBS continue to underperform the massive bond market rally, which is pretty normal when Treasuries are pushing all-time lows or even if they're just making big moves lower.  One thing to keep in mind is that MBS prices aren't even close to being back to 2012 levels.  That's a factor of the Fed's decaying MBS portfolio among other things and it's been happening very slowly, steadily, and predictably since markets worked out the initial volatility surround the 2012 QE3 announcement.   All that to say, yes, 10yr yields hit new all-time lows, but we're not even close to expecting mortgage rates to follow suit without MBS gaining about another point in Fannie 3.0s.
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