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Archive for May, 2012

Weekly Primary Mortgage Rates – May 31, 2012

Regional Breakdown 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM
Average Rates 3.75% 2.97% 2.84% 2.75%
Fees & Points 0.8 0.7 0.6 0.4
Margin N/A N/A 2.74 2.76

From Freddie Mac

Dave & David Warner
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A small brown trout returns to the clear water from which he sipped my tiny ant imitation on a hot August afternoon. From the Rush River in Wisconsin.

Thank you Troutnut

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Weekly Primary Mortgage Rates – May 24, 2012

Regional Breakdown 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM
Average Rates 3.78% 3.04% 2.83% 2.75%
Fees & Points 0.8 0.7 0.6 0.4
Margin N/A N/A 2.74 2.76
From Freddie Mac
Dave & David Warner
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Court Makes Key Ruling in Favor Of Public Access To Utah Streams

Today, Judge Derek Pullan of Utah’s 4th District Court issued a much-anticipated decision in the Utah Stream Access Coalition’s constitutional challenge to Utah’s Public Waters Access Act, also known as H.B. 141. While the decision in Utah Stream Access Coalition v. ATC Realty, et al., di…d not fully resolve all stream access issues in Utah , it did resolve several highly-contested issues in favor of stream access, including: (a) the waters flowing in Utah’s rivers and streams are and have always been owned by the public; (b) the public has an easement to use its public waters in place for any lawful purpose, including all recreational activities that use the waters; (c) these rights are protected by Utah’s Constitution; and (d) legislative authority to regulate the public’s right to use its public waters in place is limited by public trust principles. Judge Pullan also ruled that the Legislature exceeded its legislative powers under the Utah Constitution when it passed H.B. 141.
Judge Pullan requested further briefing on whether H.B. 141’s access restrictions violate public trust principles. USAC counsel is working on the supplemental briefing and is cautiously optimistic that those efforts will result in a favorable ruling on that issue.

A small brown trout jumps at the end of my line.  Photo by Sandy Neuswanger.  Yes, the most popular photo on this website was taken by my mom when I handed off the camera to play this fish! From the Bois Brule River in Wisconsin.

troutnut.com

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Weekly Primary Mortgage Rates – May 10, 2011

Regional Breakdown 30-Yr FRM 15-Yr FRM 5/1-Yr ARM 1-Yr ARM
Average Rates 3.83% 3.05% 2.81% 2.73%
Fees & Points 0.7 0.7 0.5 0.5
Margin N/A N/A 2.74 2.76
From Freddie Mac
Dave & David Warner
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A woman goes into Cabela’s…..

May 7, 2012 1 comment

A woman goes into Cabela’s to buy a rod and reel for her grandson’s birthday.  She doesn’t know which one to get, so she just grabs one and goes over to the counter.

The clerk was standing behind the counter wearing dark shades.  She says to him, “Excuse me, sir.  Can you tell me anything about this rod and reel?”

He says, “Ma’am, I’m completely blind; but if you’ll drop it on the counter, I can tell you everything from the sound it makes.”

She doesn’t believe him but drops it on the counter anyway……He says, “That’s a six-foot Shakespeare graphite rod with a Zebco 404 reel and 10-LB. Test line. It’s a good all-around combination, and it’s on sale this week for only $20.00.”

She says, “It’s amazing that you can tell all that just by the sound of it dropping on the counter. I’ll take it!”

As she opens her purse, her credit card drops on the floor. “Oh, that sounds like a Master Card,” he says. She bends down to pick it up and accidentally farts.

At first she is really embarrassed, but then realizes……there is no way the blind clerk could tell it was her who tooted.  Being blind, he wouldn’t know that she was the only person around?

The man rings up the sale and says, “That’ll be $34.50 please.”

The woman is totally confused by this and asks, “Didn’t you tell me the rod and reel were on sale for $20.00? How did you get $34.50?”

He replies, “Yes, ma’am. The rod and reel is $20.00, but the Duck Call is $11.00, and the Catfish Bait is $3.50.” She paid it and left without saying a word.

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