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The simple answer to that is that lenders do not set the rates at all. All lenders do is approve and reject those who apply for the mortgage in the first place. The rates that mortgages go with are determined bit by the bank or financial institution but by the secondary market. This is the place where mortgage are bought and where they are sold.


Two of the most famous mortgage investors are Fannie Mae and Freddie Mac and they were set up by the government in order to make the entire process of getting a mortgage http://www.cheapvapormaxmensale.com/ , both applying and getting approved, or not, easier and smooth. They thought that the entire process should be more efficient. So now these types of investors buy the mortgages that are out there and then hold onto them in what is known as a portfolio and sometimes they are bundled into securities. These bundles are then sold to other investors and they are often traded just like any other investment on Wall Street.


So it is this secondary market that says what the mortgage rates are going to be, not your lender. The interest rates will not stay constant however. Since they are investments just like any other their interest rates will fluctuate. For example when the market is on the way up the mortgage rate will be too and the opposite is true when the market is going down.


The interest rates on most markets seem to be cyclic cheap air vapormax , meaning that it goes around in cycles round and round all of the time. For example it seems to be that when bonds are going up interest rates seem to be going downwards. This is what is known as a financial trend. Knowing these trends can help you out in a big way.


How to Handle Angry People Self Help Articles | March 29, 2007
Do you ever find yourself wishing more people would take those anger management and anger control classes? Do you get tired of dealing with angry people, or wind up being angry yourself? You may be missing the upside of anger: how to use their anger to help you to create the life you truly want. Here you'll find the secrets for getting to the heart of anger and a simple process for staying peaceful in the eye of other people's storms.


How often do you talk to people who seem upset, irritated cheap air max 270 , or downright angry? Do you clam up and just wish the conversation would end? Do you feel tense or uncomfortable? Do you defend yourself, explain, or apologize? Do you want to run and hide, or just punch something? Well cheap air max 95 , of course! Dealing with anger is stressful, right?


Not necessarily.


How much more fun would life be if you were relaxed and calm through all the waves of anger that come your way? Read on and discover simple ways you can reduce your stress when dealing with angry people.


When faced with an angry man or woman, the most important and most challenging thing to remember is not to take it personally. Other people's anger is never about you.


I can hear you now: "Don't take it personally! How can I do anything but take it personally when someone screams at me, calls me names cheap air max 97 , and tells me it's all my fault?"


It can be challenging, but you start learning not to take things personally by understanding this: Everything people do or say comes from a desire to meet their needs or to support something they value.


Everything = Needs and Values.


For example, an angry person may need consideration or value responsibility, and they are doing the best they can to express this.


Let's imagine an angry young man starting a conversation with the Dalai Lama by saying cheap air max 90 , "What do you know about suffering or hardships, you're just a lazy old man with fifty people waiting on you hand and foot! You're nothing but a fake."


Now try to imagine the Dalai Lama reacting like most people do, by matching anger with defensiveness and criticism. "Lazy old man!" he says, "You don't know all the things I do to serve people all over the world cheap nike air max shoes , and you have the nerve to call me a lazy old man? Do you even have a job?"


You can imagine where this conversation would go!


Now I have a hard time believing the Dalai Lama would react this way, but why not? What does he know that most other people don't?


I imagine the Dalai Lama understands how to not take things personally. He understands that what the young man says is all about the young man's pain and suffering. That he is angry because some of his needs are not being met and he hasn't been able to find a way to live in harmony with his values.


Remember that everything people do or say is done to meet their needs or in support of something they value.


So the next time you start feeling tense and want to defend yourself or justify your position, STOP and remember that other people's anger is about them. Don't take it personally.


Do you want your happiness to depend on other people acting the way you want them to act? Or do you want your happiness to come from responding to life in harmony with what you value?


Another option you have in the face of anger is to just be curious. Ask yourself questions: "WOW, this person is really upset. I wonder what's going on with them?"


Then imagine yourself in the other person's shoes and ask yourself: "If I said or did that cheap air max shoes , what might be going on with me?" See if you can guess.


Handling people's anger by focusing your attention in these ways can free you from reacting defensively, open the way to understanding, and help you create the kinds of relationships you want in all areas of your life.


"Setting an example is not the main means of influencing others; it is the only means."~ Albert Einstein


So remember, stress isn't your only choice in the face of anger. Knowing that everything people do or say is about their needs and values can help you to not take their anger personally. Remembering this will allow you to relax and explore what's . Cheap Jerseys China Cheap Jerseys China Cheap Jerseys China Wholesale Cheap NHL Jerseys Cheap Jerseys China Cheap NHL Jerseys Cheap Custom Jerseys China Cheap Custom Made Jerseys China Cheap Custom Sports Jerseys Cheap Custom Football Jerseys Online