Drive Freshman Back to University California

I drove my youngest back to University of California Saturday morning.

Today I worked in the garden finishing rose Christmas pruning, cleaning the

pool filter and the end of scraping the flowery wallpaper down.

Traffic was awful on the Interstate 5 north.

We started counting the cars with U C Berkeley license plate frames or

any suspicious vehicle piled high with Santa bags, college sweatshirts, bedding

and two to three students also wading through the bumper to bumper wait to

return to their dorms. U C system break is over. The cafeteria is open. Classes

resume Monday.

Fortunately for my son he got into the advanced Physics Class. He emailed 

the professor numerous times over the past two weeks- pleading for a seat.

Is our communal experience of driving or flying our Freshman student back to

the away from home destination all shared joy and a bit wistful?

I wish you happiness in 2016.

Write out your goals for everything-

spiritual, financial, education, family, health and joy.

Gum wall above from our College Tour trip to Seattle.

Was the offer of full scholarship there a better placement?

Only heaven knows ~

In the end my son chose for his own plans and dreams.

How did you deal with your empty nest?

I got the wunderlust and decided not to stay overnight.

Seventeen hours driving, this evening my legs are not land worthy.

Stick with your plans my friends

Thank you

Eagle Home Mortgage
Committed to Seeing You Home
Thank you I'm so grateful

Take Pie When Passed

Vegan Pumpkin pie and the turkey

Take Pie When Pie is Passed


Here is a link to a timely article from CNBC 


http://www.cnbc.com/2015/12/16/why-the-fed-move-doesnt-matter-to-mortgage-rates.html


and a chart of the US 10 Year Treasury Yield 
(lower since the announcement!). 
One interesting factors affecting mortgage rates 
that doesn’t get much attention is the fact that the 
Fed is continuing to use profits and proceeds 
from payoffs of its mortgage portfolio to buy 
new mortgage backed securities (MBS).  
With Billions of Fed reinvestments of these
proceeds going back into MBS markets 
every month, this unusual source of demand for 
MBS from the Fed purchases continues 
to help support lower mortgage rates.
I am saying lock on Monday

Vegan Pie by my daughter below, mine above

Recipes:

Crust

• ½ cup unbleached flour
• 7 Tbs. whole-wheat pastry flour
• ½ tsp. salt
• ½ tsp. brown sugar
• ½ tsp. baking powder
• 3 Tbs. canola oil
• 1 Tbs. soymilk plus ½ tsp. lemon juice ice cold
• 2 Tbs cheap vodka
• 3 to 4 Tbs. water super cold

Filling

• 2 cups canned pumpkin 
• 1 cup  rice milk
• ¾ cup granulated sugar 
• ¼ cup cornstarch
• ½ Tbs. dark molasses or to taste
• 1 1/2 tsp. vanilla extract
• 1 tsp. ground cinnamon
• ½ tsp. ground ginger
• ¼ tsp. grated nutmeg
• ¼ tsp. ground allspice

Prepare dough day before, barely knead and refrigerate tightly wrapped

The less you handle dough the flakier it is

Oven 425°F.

Filling:

mix ingredients until smooth and blended. 

Pour into prepared crust and smooth top. 

Bake 10 minutes.

Reduce oven temperature to 350°F; 

bake until filling is set, about 40 minutes.