Here's an interesting fact for the next time you teach about interest rates: the spread between interest rates on 30-year mortgages and ten-year Tressuries has increased by almost 50 basis points (a half percent) over the last year.
So, what caused the change?
It's probably not due to changes in the yield curve, since the duration of 30-year mortgages is somewhere around 10 years, or even a bit less (mortgages tend to get paid off or refinanced well before their term).
What's more likely (as hypothesized by Calculated Risk) is that it's driven by investor perceptions of risk in the mortgage-backed securities (MBS) market. Today, most mortgages are "securitized" (packaged into portfolios that are used to back securities issued on the cash flows of the portfolio). So, if MBS investors view them as riskier, prices drop, and rates on these securities rise. Of course, this feeds back to the mortgage market, which could partially explain the rate increase.
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When you're learning chords, you learn and study them for only One Key at a time. Then you can quickly and easily figure out how to play any chord in any key on the spot, whether you've memorized that specific
chord or not. When you're acquainted with these core 7 keys you can start to learn about the black keys (flats and sharps).
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So you are looking to rid your girl of these unwanted stalkers when you are
drawn to Willow Creek's Black Mirror Castle. The game was released on August 3, and is in stores now, but probably is where it will remain, sad to say. Cranberry studios developed this sequel while publisher Anaconda brings it to you in stores.
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' Satanic Ritual - Decorate the space with human sacrifice, goblets of blood, pentagrams, and things draped in black. Even Halloween parties with the very best Halloween costumes can get dry after everyone's seen the costumes to be seen and passed out the candy to the beggars.
The game would begin with them watching the collapse of society and the outbreak of magic around the world.
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