We recently asked for a list of the following from our advisors and staff, here is what they said and hopefully a few ideas for you to occupy your time.
1. Favorite Movie  2. Favorite Book 3. Favorite Netflix TV Show 4. Best recipe 5. Kids Activity (at home) ________ Elisa: 1.  Favorite Movie - Eat Pray Love and Erin Brockovich 2. Favorite Book -  F*** Leadership and High-Performance Habits 3. Favorite Netflix TV Show -.... Greys Anatomy, The Ranch, Longmire, Any kind of detective show (NCIS, Bones, Criminal Minds, etc) 4) My mom's Carrot Cake (I will make it for the office one day) 5) We work out as a family, bike ride, hike, attempt to ski (haha) COOK (that's a big one for Joseph) 

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With all of the bad news being thrown at us, here is a little glimmer of positivity...turn off the news and just look up what you need to know and try not to get depressed, we will get through this sooner than later.

In the last few weeks, there has been a lot of volatility in the markets- stock markets which in turn direct our mortgage rates via the 5 and 10 year Treasury, we watch the stock markets react to the current news and go up and down drastically. Trying to time my IRA contribution or buying a great stock on sale is like trying to catch a falling knife. Well, this week we have seen 3 consecutive days on the upswing, finishing over 22,500 today on the Dow Jones Industrial, 7,797 on the Nasdaq and 2,630 on the S & P. Expect even more volatility

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One of our advisors, the lovely Amy Alvarado is married to a doctor at our local hospital. They are worried about running low on masks so she is busy helping collect new N95 masks or handmade masks per the pattern listed below.

Thank you to all who have donated so far! Bozeman Builder/Contractor/Painter/Handyman Friends: We have a HUGE favor. Bozeman Deaconess, like all other hospitals around the country, is experiencing a shortage of N95 masks. If you have any unused N95 masks that you can donate, please text or email Amy Alvarado and she will pick them up and drive them to the appropriate hospital contact.

Physicians/Nurses/First Responders are working diligently to keep us all safe. Please, let's do what we can to keep them (and their

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Anyone that bought in 2018 or early20 19 (or has a rate above 4.25%) it is highly likely they can benefit from the lower rates.  These rates may continue to drift down, or if the virus scare abates and markets rebound we may go back to where we were a few weeks back.  
BUYING POWER:  in a market like ours where prices move up by 7-9% per year and wages do not, buying power is diminished......lower rates help to offset that of course. 

Example:  a loan amount of $350,000 with a rate of 4.125% with Principle & Interest of $1696, borrowing power can go up to $378,000 at 3.5% while the payment stays $1697. 

Pay attention to the mortgage rates, it could be a big win for you during this time!

From a recent email from Flagstar...

Great news! If your buyers are currently paying mortgage insurance premiums, those payments may be deductible on their taxes, thanks to an extension from the Further Consolidated Appropriations Act, 2020.
Since we're not tax advisors, you can get the full breakdown on how mortgage insurance deduction works at this link from the IRS.
However, I'd urge you to check it out while it's fresh in your mind, as there may be a deadline for how long your clients will be able to deduct their mortgage insurance premiums.
As of right now, however, your clients that qualify can still save a bundle on their tax bill for mortgage insurance premiums paid for the 2019 tax year. The same goes

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From a recent Town Crier, an account of the Mining Days in Montana...
On March 10, 1864, vigilantes in the frontier mining town of Virginia City—which doubled as the Montana Territory’s capital beginning just a year later—hung a sometimes-lawless man in a controversial execution. Plagued by rampant looting by desperados and fringe riders of the region, a group of prominent men within Virginia City formed a posse of vigilantes, slaying known and suspected individuals causing terror and unrest throughout the area. They even went as far as to pin the numbers 3-7-77—the dimensions for a standard grave of 3 feet by 7 feet by 77 inches—to the bodies of such victims, as well as their cabins, tents and dwellings as a deterrent and message to leave,

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