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Grants Travelodge, Grants,NM $47.25 Hotel property Grants Travelodge, 1608 East Santa Fe Ave in Grants, NM, United States

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Over the past few months I have had both current clients and potential clients calling and asking why haven’t the interest rates dropped more. “The Fed Funds Rate is really low.” “How long will it take for mortgage rates to go down also?” “I’m going to wait a little longer, I know they will drop because of the Fed Funds Rate.”

Unfortunately, many borrowers and even some loan officers get confused when is comes down to who actually sets the mortgage interest rates. First of all, the Fed Funds Rate has actually nothing to do with where mortgage interest rates are. The Fed Funds Rate is actually the interest rate that banks lend to each other overnight. The lower the rate, the more liquidity there is between the banks. It is a short term rate that signals the Federal Reserves view as the state to the money supply.

Well. if the Federal Reserve doesn’t set rates, who does? I’m sure many of you reading this have seen the videos from the Chicago Board of Trade with all the members running around in their different colored coats, flashing hand signals, shouting buy or sell at the top of their lungs. It is there at the CBT, where other commodities are traded, are where the initial rates are set. Most long term mortgage rates are linked to the 10 Year Treasury Notes traded on the exchange. Why the 10 year Notes? Mainly because they are considered one of the safest bond instruments in the world. When the 10 Year Note goes up in price and the yield goes down, over the course of the next few days. the lower price will be reflected in the conforming mortgage rates.

But with the higher priced homes in California, where most are above the conforming loan limit, we move into the jumbo loan range above $417,000. Since the stimulus package things have changed for the jumbo market. Now that Fannie Mae and Freddie Mac are involved, we now have what are known as Agency Jumbos. These are jumbos that range between $417,001 and $662,500 here in Sonoma County, and are priced by Fannie and Freddie themselves. Up until the end of April however, the difference between the conforming rate and agency jumbo rates was still wide. It was nearly 1/2 point to 3/4 points. But in late April, both Fannie and Freddie narrowed that gap down to 1/4 to 3/8 points difference. Loans above the $662,500 mark are still considered jumbo loans and are priced by the lenders themselves at a much higher rate than the agency jumbos to attract investors to purchase them. Compared to agency jumbos, the standard jumbos are priced somewhere around 7.625% to 8 1/2 %. Why so high? Because investors are skittish about the higher loan amounts and want incentive to buy them.

There you have it. A very simplified explanation of who sets interest rates. So the next time someone says that the fed funds rate was lowered hwy hasn’t the interest rates gone down. You can pass it along.

Scott Dovala has lived in Sonoma County, specifically the Santa Rosa area for over 17 years. Formally a Regional VP of Operations and National Director of Operations for three national mortgage companies, Scott is now a Branch Manager with Ascent Home Loans in Santa Rosa CA. Scott utilizes his over 10 years of experience to tailor each and every loan to both his client’s current and future needs. But more importantly. Scott delivers the quality customer service he would expect if he himself were applying for a loan. Both borrowers and Realtors realize quickly the commitment Scott makes to each and every one of his clients. Scott is licensed in the following states to accept loan applications: AL,CA,GA,IN,MO,NM,OK,SC,TX.

Email: sdovala@ascenthomeloans.com Phone:707-494-8532 / 877-392-0674

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One Land, Many Peoples

Arts & Media

Did you know- The African nation of Cote d’Ivoire was the first black republic in the world to win an Oscar, the world’s most popular award. In early 1977, surprisingly, the country’s film “Black & White in Color” made the world headlines when it won an Academy Award for Best Foreign-Language Film in Los Angeles, CA. It had been hand-picked by several American experts. In addition, Cote d’Ivoire was one of the first non English-speaking nations to win the American prize, ahead of Brazil and Argentina, as well as India and South Korea.

Former Ivory Coast

Did you know- Known as Ivory Coast until October 1985, it was one of sub-Saharan Africa’s most stable countries from 1960 to 1985, along with Botswana, Mauritius, Morocco, and Liberia. By that time, Cote d’Ivoire did not have military coups and civil conflicts. In fact, unlike Cambodia and Zaire, it was one of the most peaceful French-speaking countries on the Planet. During the Cold War, it played a prominent role in African affairs.

Independence

Did you know- It was part of the French Federation of West Africa. After a 118-year French occupation, the African nation gained its independence, with Félix Houphouet-Boigny as Head of State, in the early 1960s. From then onwards, the country has strong diplomatic relations with Paris.

Geography

Did you know- Cote d’Ivoire covers about 124, 502 square miles ( 322, 460 square kilometers), and has about 21 million people. This African state is surrounded by Mali (former French colony) and Burkina Faso (Upper Volta until August 1984) to the north, Ghana (a democratic nation since the 2000s) to the west, Guinea (ex French territory) and Liberia (an independent nation since 1847) to the east, and the Atlantic Ocean to the south. Vast tropical forest cover much of the land there. Major river include the Sassandra, the Cavally, the Bardama, and the Comoe.

Summer Olympics

Did you know- The African nation is a member of the International Olympic Committee (IOC) since the 1960s. Athletes from Cote d’Ivoire have competed at the 1964 Tokyo Summer Games, 1968 Mexico City Olympics, 1984 Los Angeles Olympics, 1988 Seoul Games, 1992 Barcelona Olympic Games, 1996 Atlanta Games, 2000 Sydney Olympics, 2004 Athens Games, and 2008 Beijing Olympics.

United Nations

Did you know- With its transformation to a modern country, Cote d’Ivoire joined the United Nations in the early 1960s. In the succeeding years, it became one of the members of the UN Security Council (1964-1965). In the meantime, between 1960 and 1990,the republic was better known for its pro-Western policies, alongside African states as Kenya, Senegal, and the Kingdom of Swaziland. Finally, Amara Essy, the nation’s former minister of Foreign Relations, was one of the well-known international leaders in the 1990s. Thus he was named president of the 49th Session of the United Nations General Assembly.

Languages

Did you know- The French is the official language, but Cote d’Ivoire has a large non-French speaking population (Dioula and other African dialects). Each region of the nation has its own dialect.

Miss Universe

Did you know- Cote d’Ivoire made its Miss Universe debut in July 1986 when the country’s delegate Marie Francoise Koume competed in Panama City, Panama.

Soccer

Did you know- Without a doubt, under the leadership of Didier Yves Drogba Tèbily, the national squad is one of Western Africa’s most popular teams, alongside other squads like Ghana and Nigeria. According to the results of the 2006 World Cup, Cote d’Ivoire ranks among the world’s nineteen-best soccer teams, ahead of Poland and Saudi Arabia, as well as Japan. So far, Drogba is the most important football player in the country. He hails from Abidjan. Soccer is a popular sport among adults and children.

Marie-Thérèse Houphouet-Boigny

Did you know- Marie-Thérèse Houphouet-Boigny, the country’s Firs Lady from 1969 to 1993,was one of Africa’s most popular women in the latter half of the 20the century. During that period of time, she was a promoter of national culture and an outspoken champion for children. Because of her elegance and perfect French, the international press dubbed her “The Jacqueline Kennedy of Africa”.

Yamoussoukro

Did you know- Yamoussoukro is home of Cote d’Ivoire’s capital. However, Abidjan -ex capital of the country– is the largest city.

Economics

Did you know- Over 70% of the nation’s population depends on agriculture and tourism. Meanwhile, this French-speaking nation is one of the world’s top producers of cocoa. Recently, bananas and palm oil have become significant crops as well. Otherwise, France is one of the two largest investors in Cote d’Ivoire

Gabriel Tiacoh

Did you know- Cote d’Ivoire is home to some African champs, among them Gabriel Tiacoh, one of the continent’s top sprinters in the mid-1980s. This legendary athlete won the country’s first medal at the 1984 Summer Olympics in Los Angeles, CA.

Ethnic Groups

Did you know- There are more than 60 ethnic groups in the country.

Alejandro Guevara Onofre: Freelance writer. Alejandro is author of a host of articles/essays about over 220 countries and dependencies (and American States as well), from ecology, history, tourism and national heroes to Olympic sports, foreign relations, and wildlife. In addition, he has published some books on women’s rights, among them “History of the Women in America” and “Famous Americans”.

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Mariachi Christmas Show in Grants, New Mexico

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New Mexico State University in Grants enjoys hosting many local events. One of our favorites is the Mariachi Christmas show. Here is a look at this wonderful Christmas event that is starting to be a holiday tradition in Grants, New Mexico. Thank you to all the Creative Media students who worked as crew for the event and filmed: Brandon Vallo, Ryle Yazzie, Tim Brown, Yvette Cohoe, Bruce Williams and Megan Martinez

From californiamall dot com:
“Holiday Traditions of Mexico Feliz Navidad”

“”La Posadas,” the remarkable buildup to Christmas Eve, is perhaps the most delightful and unique Mexican tradition. Beginning December 16th, it commemorates the events in the journey of Mary and Joseph from Nazareth to Bethlehem.

After dark, each night of the “Posada,” a procession begins led by two children. The children carry a small pine-decorated platform bearing replicas of Joseph and Mary riding a burro. Other members of the company, all with lighted long slender candles, sing the “Litany of the Virgin” as they approach the door of the house igned to the first “Posada.” Together they chant an old traditional song and awaken the mast of the house to ask lodging for Mary. Those within the house threaten the company with beatings unless they move on. Again, the company pleads for admittance. When the owner of the house finally learns who his guests are, he jubilantly throws open the doors and bids them welcome. All kneel around the manger scene or “Nacimiento” and offer songs of welcome, Ave Marias and a prayer.

Now it’s time of the “Pinata,” refreshments and dancing. The “Pinata” is a pottery (or paper) container, brightly decorated and filled with candy and toys. It is hung from he ceiling or a tree. One by one, the children are blindfolded, turned around and instructed to strike the Pinata with a stick. Usually several attempts are made before the container is broken. Of course, when that happens, there is an explosion of goodies and a scattering of children.

On Christmas Eve another verse is added to the Ave Marias, telling the Virgin Mary that the desired night has come. Small children dressed as shepherds stand on either side of the nativity scene while members of the company kneel and sing a litany, after which the Christ Child is lulled to sleep with the cradle song, “El Rorro” (Babe in Arms).

At midnight the birth of Christ is announced with fireworks, ringing bells and blowing whistles. Devout worshipers surge into churches to attend the famous “Misa de Gallo” or “Mass of the Rooster.” Following Mass, families return home for a tremendous dinner of traditional Mexican foods. The dishes vary with the different regions. However, somewhat common are the ,”tamales,” rice, rellenos, “atole” (a sweet traditional drink) and “menudo,” which is said to be more sobering than strong coffee.

Christmas Day has no special celebration though many have adopted the American style Christmas with a Christmas tree and Santa Claus.”

Duration : 0:1:4

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Taser Gun JOLT 2009 Behind the Scenes 2 UNcut

The Junior Officer Leadership Training Academy is an intensive boot camp for high school students that introduces them to careers in law enforcement. Students devote their spring break to this program that not only provides them a look into law enforcement careers but also gives them college credit through NMSU-Grants. While most students are playing during spring break, these high schoolers are preparing themselves to be our next generation of leaders. This video was filmed during their Feb. 28, 2009 orientation. The week long JOLT Academy starts at the end of March 2009.The Main Website for the Jolt Academy http://www.youtube.com/user/JoltAcademy

Duration : 0:0:36

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Bow Making with Ed Scott

Ed Scott makes bows and is one of the few masters of this art form. Directed by Ryle Yazzie, shot by Brandon Vallo. Special thank you to mentor Charlie O’Dowd.

Duration : 0:9:11

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TV Internships at KOAT for NMSU-Grants Creative Media Students

Creative Media students do a video about their experiences as interns at KOAT news in Albuquerque, New Mexico

Duration : 0:5:15

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grants new mexico

Grassroots Grants $36.8 In the revised second edition of the bestselling guide to grantseeking, author and activist Andy Robinson walks you through the challenges of incorporating grants into a complete fundraising program, using grant proposals as organizing plans, designing fundable projects, building proposals piece by piece, and fostering effective communication with funders who support the activist community. This updated edition keeps pace with the changing times and contains all new budgets and model proposals, interviews with funders from the grassroots community and timely information about grantseeking on the Internet. 

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NMSU-Grants 2009 Graduation Speaker Patrick Dixon

Patrick Dixon is a graduate of NMSU-Grants and is now completing his Ph. D at Oxford University.

Duration : 0:9:5

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Jolt Academy Grants, New Mexico

The Junior Officer Leadership Training Academy is an intensive boot camp for high school students that introduces them to careers in law enforcement. Students devote their spring break to this program that not only provides them a look into law enforcement careers but also gives them college credit through NMSU-Grants. While most students are playing during spring break, these high schoolers are preparing themselves to be our next generation of leaders. This video was filmed during their Feb …

Duration : 0:1:25

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