SpencerReynolds.com – You asked me a question on Facebook and I wanted to respond this way and let others here my Mac Addiction spout once again The link to get the referb MacBooks is http

QuestioningSuccess.com – I have been asked several questions about the adapter I use on the ATR6550 with my Kodak Zi8 and I explain it in this video. You can get the adapter (part 274-374) from RadioShack, here is the short link http Also, in this video I am recording this using the Audio-Technica ATR3350 corded Lav mic, which I bought on Amazon for under ! (amzn.to Of course I was using this exact same adapter that I show in this video to make the mono sound in stereo. *NOTE* the sound just takes mono and puts in both channels, it doesn’t make a single channel audio into a magical 2-channel!

Well said Gary! Why shout from the soapbox (paying sick money to boot) and not getting anything other than “hopeful brand recognition”. Put out a commercial that says anyone who tweets the word “StarbucksRules” gets a DM with a coupon code for a free latte.

Seriously that way you know who they are, send them the DM have them fill out the little Name, Email, Age Range, Male/Female, How often do you Starbuck? AND VOILA golden ticket. Find your passionate tribalfolk, and reward them, they will tweet to end for you. (And Facebook your good name!)

LOVE IT!

Originally posted as a comment
by CSpencerReynolds
on VaynerMedia using DISQUS.

Lately there has been talk about the 4.5% 30-year fixed rate mortgage. Will it become a reality though? Right now, no one really knows. Homeowners who could benefit from a lower interest rate need to know that even if 4.5% becomes a reality from Washington’s actions, it would only be available to home buyers, not homeowners seeking to better their rate. If you need to refinance, you will be left out. 

You also may have heard about Hope for Homeowners, which is a program approved by legislators to help distressed homeowners. However, regardless of its best intentions, the program has not been embraced by investors, and it is not available to many it could help. 

The bottom line is, the Fed announced recently that they are going to buy up to $600 billion in mortgage-backed securities. This has already driven rates to historical lows. In January, the SEC is meeting and information may be released that could have a significant bearing on rates, potentially for the worse. 

Waiting to obtain the best rate is only possible for those with loan applications already in process. Interest rates are incredibly volatile and fluctuations that used to take months are now occurring in just days or even hours. If you don’t have an application in process, you could lose out. 

We are already seeing lender backlog due to low interest rates. In 2003, with rates at these same low levels, we saw some lenders taking up to 90 days to close a loan. 

Home loan rates are currently in the mid- to low-5% range. Home values are currently at 2003-2004 levels, coming down significantly from their high point. If you–or friends and family members you know–are contemplating seeking financing, now is the time to act. 

With a first time home buyer tax credit of up to $7,500 and low or no money down programs available for many people today, now is a great time to buy a home. 

If you have any questions about how we can help you, call us or send us an email (or post a comment here).

Spencer Reynolds
(801) 292-5626

I love hearing how easily he explains what is going on in the economy. It is a long video but worth a little time…

Simple and easy to understand, how do you make money with it??? That is what I am going to figure out!

Spencer