Archive for December, 2011

Weekly Primary Mortgage Rates – December 22, 2011

December 22, 2011 Leave a comment
Regional Breakdown 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM
Average Rates 3.91 % 3.21% 2.86% 2.77 %
Fees & Points 0.7 0.8 0.6 0.6
Margin N/A N/A 2.74 2.75

From Freddie Mac


Dave & David Warner


Weekly Primary Mortgage Rates – December 15, 2011

December 15, 2011 Leave a comment
Regional Breakdown 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM
Average Rates 3.94 % 3.21% 2.86% 2.81 %
Fees & Points 0.8 0.8 0.6 0.6
Margin N/A N/A 2.75 2.76

From Freddie Mac

Dave & David Warner


Utah Winter Fly Fishing

December 14, 2011 3 comments

Utah Winter Fly Fishing Guide

December 14, 2011

Education, Fly Fishing Utah

fly fishing guide for winter fishing

Post taken from Utah Fly Fishing Club make sure to like Utah Fly Fishing Club’s Facebook Page.

Written by Travis Gillespie

Fly Fishing in the Winter can be some of the best fly fishing you experience all year. It is quickly becoming a favorite time for fly fishers who don’t mind some cold toes and fingers. The real pay off is the quite solitude you will experience with the snow blanketed back drop.  Plus the dry fly fishing can be so epic that you’ll forget your fingers are numb. Here is a quick guide to help you get started.

When to go? Any time is better than no time on the water, so get out there when you can, but if I was to choose the day and time in the winter. I would watch the local weather forecast and plan a day where the temp is just over 32* (so your rod guides don’t freeze up) with overcast and snowy conditions. But the rule of thumb in the winter is that you want to be fishing during the most comfortable part of the day. (unless you are throwing streamers, then pick the worst) So in the winter that is usually from 10-3pm. The reason behind this is because it is nice for you to be out, but mostly because it is usually when the best midge hatch occurs and the fish are most active.

fly fishing guide for winter fishing

Where to go? There are lots of rivers in Utah to fish during the winter, the best way to see if they are good fishing is to get out and explore them. But if your short on time, here are a few popular spots that fish great in the winter. Note: Tailwaters (below dams) fish great in the winter cause the water temp is warmer.

  1. Green River- If you haven’t seen a pod of 100 rising fishing, you should take a trip to the Green River. It has some of the best midge hatches in the state and with over 15,000 fish per mile it can be a magical experience. Streamers are also very popular during the winter on the stormy overcast days.
  2. Middle Provo River- Epic Midge hatches in the mid mornings and afternoons. Fish slow rifles, drop offs, foam lines, eddies and you will find rising fish.
  3. Lower Provo River- Great Midge hatches in the afternoons. Find slower back eddies and you will find the sippers.
  4. Weber River- Home to some big brown trout the Weber is a great place to try Streamers in the winter. If that isn’t working, White Fish are very aggressive during the winter months and can be caught on small nymphs like Hares Ear or Caddis Pupa.
  5. Lee’s Ferry- I know it’s not Utah, but its real close and it is one of the best places to get out of the freezing temps and enjoy 50-60 degree days in the middle of winter. Plus the fishing is almost as breathtaking as the 1000 ft red canyon walls that will surround you. Great midge hatches in the afternoon and nymphing glow bugs, scuds, and sj worms to Wild Rainbow Trout.

winter fly fishing in utah

Whats Hatching? Midges are the name of the game in the winter. Normally the hatch will start at noon and last until 3pm. But it really depends on the day. So I like to get there at 10am so I am rigged up and ready for the action to begin. Note of consideration – Don’t over look the Egg Hatch, Brown Trout and some fall run Rainbows just came off their spawn and all the fish in the river have trout caviar on their minds.

fly fishing guide for winter fishing

What Flies? There are thousands of flies to try  at any given time of the year, but for Winter its a little simplier cause Midges are really the only bug that hatch.  I like to limit it down to three styles of fishing. Dry Flies, Nymphing and Streamers.

Must Have Dry Flies

Griffith Gnat* top producer
Astro Midge
Brooks Sprout
WD-40 Emerger

*Size and color while fishing midges is critical. I like to have these flies in black and grey and sizes 18, 20, 22, 24, 26.

Must Have Nymphs

Tung Zebra Midge-sizes 18-22. Black, Red, Wine, Lime Green
WD-40s- sizes 18-22. Black, Olive, Red
Black Beauty 20-24
Rainbow Warrior-sizes 18-22
Higa’s SOS- sizes 18-20
Glow Bugs-orange, peach, yellow
San Juan Worms


Ginger Wolly Buggers
JJ Special
Sex Dungeon-Black, Olive
Barley Legal-for bright days
Provo River Hooker – Utah’s very own Collin Carlson fly – find them at
Platte River Spider
fly fishing guide for winter fishing

What fishing gear is needed? Just your basic fly gear is all you need. I like to bring a backup rod incase I break one. I seem to do that a lot when my guides get icy.

Winter Gear List

  • 4 and 5 wt Rods
  • Reel-Floating and Sinking Lines
  • Vest-Flies, Floatant, Weights, Forecepts, 4x, 5x, 6x Tippets, and all the other little gadgets you have in your vest
  • Net
  • Polarized Glasses
  • Waders
  • Boots
  • Current Fishing License
  • Vest Extras – Camera, Snacks, Drink, Sun Screen, Hand Warmers

fly fishing guide for winter fishing

What to wear? Dress WARM! It’s better too hot than cold. I like to dress in layers, so if it does get a little warmer. I can just take a layer off instead of having just a single coat I have to wear all day. Also stay away from anything cotton, it draws warmth out of the body instead of keeping it in and you warm.

This is what I wear starting from the feet to the head:

  • Socks-Wool socks are a must. Make sure you don’t tie your boots to tight, you want good circulation to help keep your feet warm.
  • Pants- Fleece pants under the waders is all I wear.
  • Base Layer- A good breathable moisture absorbing base layer is good to keep you dry and warm.
  • Second Layer- I like fleece or down jacket
  • Third Layer- Fleece lined softshell jacket – To keep out the wind and light rain or snow.
  • Fourth Layer- Waterproof Jacket- only used in the worst conditions.
  • Gloves- I hate gloves, but sometimes you just have to put them on. I use the fleece fingerless kind that can convert to mittens. Wool works good as well.
  • Hat- I have lots, but my favorite(because it is the warmest) is a wool beanie that is fleece lined on the inside. I like the beanies that have hat brims as well to help with the sun and glare

fly fishing guide for winter fishing

Few More Tips- Size Down if the fish are rejecting your flies constantly /  Fish Tailwaters / foam= fish / Long leaders (9-15ft) and light tippet (6x-7x) will product more fish / To break the ice out of your guides stick your rod tip in the water / Have fun!

Thank you,

Fly Fishing Frenzy and Utah Fly Fishing Club

California Foreclosures

December 13, 2011 Leave a comment

You can get a foreclosure report right down to your zip code with this link.

California Foreclosure Report

Dave & David Warner


O.C. home prices hit 31-month low

December 13, 2011 1 comment

Orange County’s home pricing got hit with autmun’s chill, as builders had a record-worst sales month.

DataQuick reported this morning that 2,297 residence sold in November. That is up 1.8% from a year ago. That gain came at a price. Literally.

Median selling price was $400,000 — the lowest since April 2009 and off 8.0% in a year. Orange County’s median first hit $400,000 in May 2003.

By the slice:

  • 1,495 single-family residences sold last month. That is up 6% from a year ago.
  • 664 condos sold last month. That is up 8% from a year ago.
  • Builders had 138 new-home sales last month. That is down 42% from a year ago. It was the slowest November for developers in DataQuick records that date to 1988.

And more analysis ….

  • $400,000 median selling price is 38% below June 2007′s peak of $645,000.
  • Current price is 11.1% below 2010′s peak (May and July) of $450,000; 2% below end of 2010′s median ($410,000.)
  • The most recent median is 8% above the cyclical low hit in January 2009 at $370,000 — so the median has recouped 11% of the $275,000 price drop from the peak.
  • Compared to cyclical low, single-family house median is 10% higher ($418,250 in January 2009); condo median is 1% higher ($252,000 in March 2009.) Builder prices for new homes are 35% above June 2009′s $424,000 bottom.
  • The median selling price of a single-family home is 37% less than their peak pricing (June ’07). Condos sell 46% below their peak in March 2006. Builder prices for new homes are 34% below their February ’05 top.
  • Single-family homes were 80% more expensive than condos in this period vs. 71% a year ago. From 1988-2010, the average house/condo gap was 57%.
  • Builder’s new homes sales were 6% of all residences sold in the period vs. 10% a year ago. From 1988-2010, builders did 14% of the Orange County homeselling.

From The OC Register, today

WTW Utah Fly Fishing Review

December 12, 2011 Leave a comment

Came across this story this morning. It is an area where David and I fish. I don’t know these guys but I bet we have crossed paths on the river.  This story comes from Fly Fishing Frenzy. Thank you Big Hoss and the guys at Western Trout Wrangler.   WTW Utah Fly Fishing Review.

Categories: Uncategorized


December 8, 2011 Leave a comment
This is a really good read………..
1. Americans spend $36,000,000 at  Wal-Mart Every hour of every day.
 2. This works out to  $20,928 profit every minute!
 3. Wal-Mart will sell  more from January 1 to St. Patrick’s Day (March,  17th) than  Target sells all year.
 4. Wal-Mart is bigger than Home  Depot + Kroger + Target + Sears + Costco + K-Mart combined.
5. Wal-Mart employs 1.6 million people and is the largest  private > Employer,  and most speak English.
6. Wal-Mart is the largest company in the history of the  World.
7. Wal-Mart now sells more food than Kroger & Safeway combined, and keep  in  mind they did this in  only 15 years.
 8. During this same period, 31  supermarket chains sought bankruptcy.
9. Wal-Mart now  sells more food than any other store in the world.
10  Wal-Mart has approx 3,900 stores in the USA of which 1,906 are Super  Centers; this is 1,000 more than it had 5 Years ago.
 11. This year 7.2 billion different purchasing experiences will occur At  a Wal-Mart store. (Earth’s population is approximately 6.5  Billion.)
 12. 90% of all Americans live within 15  miles of a Wal-Mart.
You may think that I am  complaining, but I am really laying the ground  work  for  suggesting that MAYBE we should hire the guys who run Wal-Mart to Fix the economy.
 This should be read and understood  by all Americans
 Democrats, Republicans,  EVERYONE!!
To President Obama and all 535 voting  members of the Legislature,
 It is now official you are  ALL corrupt morons:
The U.S. Post Service was  established in 1775
.You have had 234 years to  get  it right  and it is BROKE.
 Social Security was established in  1935. You have had 74 years to get it  right and it is  BROKE.
 Fannie Mae was established in 1938. You have  had 71 years to get it right  and it is BROKE.
 War on Poverty started in 1964. You have had 45 years to get it right;  1$  trillion of our money is confiscated each year and transferred  to “the > poor”  and they only want more.
 Medicare and Medicaid were established in 1965. You have had 44 years  to get  it right and they are BROKE.
 Freddie Mac was established in 1970 You have had 39 years to get it  right  and it is BROKE.
 The Department of  Energy was created in 1977 to lessen our dependence on  foreign oil.  It has ballooned to 16,000 employees with a budget of $24 billion a  year and we import more oil than ever before.  You had 32 years to  get it right and it is an abysmal FAILURE.
 You have  FAILED in every “government service” you have shoved down our  throats while overspending our tax dollars.
Categories: Uncategorized