Mortgage Market Updates

When “Retirement Age” Is Obsolete
The next nail in Social Security’s coffin: Patrick Cox on one simple substance and three big breakthroughs. Plus... In the labor force in December, out of the labor force in January: How the government conjured up today’s ridiculous unemployment numbers.
Down the Groundhog Hole
The Amazonian precedent: How Facebook’s lofty claptrap gives us Groundhog Day déjà vu. Plus, Groundhog Day weirdness: Bill Gross goes “Ron Paulish”… Rogue lawmakers in the Evergreen State… Eerie swarms of drones… and a busybody crackdown on a blogger.
Time-Wasters, Money-Wasters
800 million teenyboppers wasting time on Facebook: Is each one really worth $125 to an investor? The hottest IPO ever, seen through the prism of The 5. Plus... Iran, Venezuela, China: A laundry list of “strategic threats” loading up on gold.
A Vain Search for Yield
Making sense of a “strange stock market”: Chris Mayer on what to do when investors flee equities in a vain search for yield. Plus... Jim Nelson on where to go as income investors step further out on the risk curve.
America’s New “Stress” Dynamic
The $132.9 billion festering sore… bank shutdowns… and unpatriotic cheapskate consumers: Tales of “post-recessionary” America. Plus: Recession be damned? Stunning new breakthroughs in preventing the onset of nearly every disease associated with aging… and a retrenchment in the U.S. energy patch that will mean even more oil.
Can’t “Davos Man” Just Shut Up?
When you’re in a hole, grab a shovel and keep digging… or something like that: Mr. Geithner’s firewall, and other conceits of “Davos Man” Plus... Debt ceiling grows to $16.394 trillion: Addison puts a time frame on the mother of all financial bubbles.

620 Newport Center Drive, Suite 630 Newport Beach CA 92660  (800) 573-6379, (949) 729-9200, ext. 232  Fax: (949) 767-5712
Scott McCarter NMLS #286710

© 2012 W.J. Bradley Mortgage Capital, LLC 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government.

AZ License # BK-0903998; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML# 4131002; To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm Colorado Supervised Lender License #991424; Florida Mortgage Lender Servicer license #MLD738; ID Mortgage Broker License No. MBL-2803; IL Residential Mortgage Licensee – License #MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; MN Residential Mortgage Originator License No. 20447094; NV Mortgage Banker License No. 2061; NV Mortgage Broker License No. 504; NM Mortgage Loan Company and Loan Broker Act Reg. No. 01856; OK Mortgage Broker –  License No. MB001365; OR Mortgage Lender License No. ML-776; TX Mortgage Banker Reg. No. 74182; UT Mortgage Lender Company License No. 5495659-NMLC;Utah Consumer Credit Notification; Vermont Lender License #6141; WA Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233. 
Copyright 2012 by Emery Financial