Title: Episode Three.Three

" me. You make -- who. So another month. Another good time. And -- Laker fan so you like the monthly edition of good better than the weekly. About the yearly addition and then there's pressure to making good inning when there's pressure now what are obviously. If you notice sooner Dunn's this is some -- yeah. Here's before yeah. I was gonna say -- again this is -- I would define the the -- drive and classical rhetorical overdrive trying to figure out of this little this. Good to be bad in the hills drive -- studio. It's amazing for the man. It will be after the this series. Positions you know I'm -- minding your happened and I don't know where it's sort of reasonable. That is so there -- new shoes."

" the front in the particular."

" Our next guest. It as an expert. All things financial something's burning until. Some things financial the lowest mortgage matters the blog come -- man. Oh Great Britain Canada you actually look like here -- analysts say. It's still it's a good thing so I'm rob pissing me yours on. Read I mean maybe three equivalent and I do -- he easily easily telling me. While it's your -- get a blue dog about the band rush. And today and some different"

" over their gloves and that's about it though. It's it's music do you just -- become an adult now and an interest in these things or is this kind of a -- minute people would be interested in reading about the nuances of mortgages and and the mortgage market. I think it's just you. You know I think yes it is that people get obsessed when their house hunting or even when they're going to refinance."

" When you're writing about complicated subjects and you write about it complicated way it seems more sophisticated game. But you know I think it's more sophisticated to. To explain it in a non condescending way that regular people can understand you know I mean it's hard there. Now what what got you into this. Home honestly thinks that -- you don't sit there and oh. You know I just I really want to be reporter I -- that probably like 73 grade and so you know became reporters covering everything you know I mean we're pretty -- covered college basketball covered baby Jessica following in the well -- think -- ten years ago today. Really I think we've planned and it -- him were you there. Yes yes flew down commitment I was I was Sonoma paso is of course money for the AP there Midland and Odessa government territory and I'm a telephone call from. Someone on the desk in Dallas and hang you know we heard this girl Bono well. Idiotic you ought to go in his office he steps -- this. Isn't working in Europe. And almond eyed vision and his name well you know we're doing stunt I don't know let -- one you know -- that nearly went there it was just the total mean his round. It was just amazing coming and I never. Actually some little. So you had -- find some guy who doing to try to get the attention of the officials and so he -- to -- quarters. You know I mean I'm thinking I'm things accidentally about a guy who he said well I can squeeze -- a really tight spaces and I -- babysitting guys"

" and -- dozens of types and he does this any touches his shoulders together in front of -- suggest what little additional -- I hate it this -- Canada. Heidi if you want it. -- I was running on -- running a website come for the Toledo blade I went to a conference you know of online newspapers and."

" And I met my future bus there you know from bankrate dot com a threat as in mentally you know. Efforts I was -- about online banking and stuff just like. I wrote some of them first articles about PayPal who is very very New England you want musk. PayPal me five bucks to show me you know work. That's a great while I was going to stay this that it doesn't need you over the Internet certainly some. -- thankfully so let's get Daryn -- what can you do for us. And any -- though we're raise their rates good."

" I think risk going to stay around the same I think that the changes you're going to see in the mortgage landscape. Have to do it. Qualify for a mortgage and I think I don't think that's it could be of help you guys it's going to be having to do it credit -- end. Down payment and in a place like Boston where thumb. How studies have been going down here they're really gonna want the down payment I mean 10% they're gonna think -- if it helps president going down 5% last year. And these people open 10% down. And this continues for two more years than their underwater whose they're gonna really want 20% problem. -- and here's the I tell you it's it's a recipe for an economy comes spirals downward because one of the things that happens is people can't. If people can't seller tells us because say they own more than house. Then they can get for the house yeah they're stuck in -- you know hey if they still have their job he had less mobility you know -- mean he just don't don't have much as much churn in the economy I don't know it's just bad it's an overall situation but. You know I think it means -- house prices go down for years four to three years you know you're seeing this rising time I guess of four."

" Closures are seen rising foreclosures you have home prices coming down and you have tighter. Lending practices or standards as -- some sort of perfect storm come yes yes I think in just. So what what -- do for address and viewers to help navigate through this."

" Yeah you well know yes start saving money definitely goes to. Bankrate dot com slash mortgage matters there you go -- it doesn't yeah end and save your money. Pay your bills on time and if you live in the northeast. South Florida Phoenix Vegas and southern California it's from the Canadiens played two way because house prices are going to go down."

" You know bonuses in the headlines in the financial -- on drive times that. Having dresses and what this -- great thanks for taking the time can I do encourage people to read the blood gun because I do find it entertaining. One of the few blogs -- that you can put that on the tag line our technological shareholder. So could send him an exciting things aren't so."

" I'm feeling got smarter yeah. That's it for going to turn it concerned at the end of the take every. See you again soon --"

" Wow that was how you doing -- that baby Jessica as shocking as helpless client 20 years. Washington President Bush trend there I'm not gonna say or else dumped then"