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Michael Magnabousco Corporate Account Executive Vantage Production Phone: 800-963-1900 x 1538 Direct Number 732-526-1538 License: Ask Me About This Service !! mmagnabousco@vantageproduction.com www.vantageproduction.com

Thanksgiving Holiday               I hope you enjoy a wonderful holiday season ahead with your friends and family. I know that I certainly have much to be thankful for, including many wonderful colleagues, clients and friends like you. I also sincerely hope you have been enjoying your complimentary subscription to the MORTGAGE MARKET GUIDE WEEKLY. Your next full issue will arrive "hot off the press" next week. In the meantime, please enjoy the useful tips below and share them with any clients or colleagues who may benefit from them. The MORTGAGE MARKET GUIDE WEEKLY is the industry's leading publication of this type, and I'm pleased to provide this valuable resource to you. If you feel that any of your colleagues or associates would benefit from keeping up-to-date on market and economic trends with this easy-to-read format, please let me know, and I will be happy to add them free of charge.             The Mortgage Market Guide View...                   Productivity Points Stress-Free Holidays for Busy People What do holidays have to do with productivity? Glad you asked! Consider physical exercise for a moment: Science has long understood that you don't build muscle during the workout, muscle builds during rest–that's why working out too long or too often is counterproductive to fitness. When it comes to work, the same principle holds true: Attempting to sustain 24/7 productivity leads to fatigue, lowered immunity to illness, lack of ideas (or just plain bad ones), and time-wasting. The holidays present an opportunity to set work aside, but they can also be stressful in their own way. So here are a few ideas that can help you get more from your holiday breaks: Focus on your Top Three. Think of three things you love about the holidays, write them down, and forget everything else. Be it lighting the Hanukkah menorah, cuddling under the mistletoe, decorating your Christmas tree, listening to holiday music, or just driving around the neighborhood to see the pretty lights–your focused intention matters when it comes to enjoying experiences. Sock your smartphone. Remember the days when phones were tethered to the base unit and you couldn't check your Facebook newsfeed? Aside from risking technology addiction, turning off your phone and putting it out of reach will help refocus attention on visiting with family and friends and, believe it or not, increase the fun! Take me for a walk. Bundle up and trundle out for a walk, by yourself or with the whole group! A change in scenery can alleviate that "cabin fever" feeling you get with extra people in the house. Plus, a little exercise clears your head and fills your body with those delightful endorphins, making you feel great! Don't get SAD. Sometimes, lack of enjoyment during the holiday season stems from physiological reactions to reduced daylight during winter months. Seasonal Affective Disorder (SAD) is caused by a lack of light coming through the eyes. It is easily relieved, however, by gradually increasing your exposure to natural and full spectrum light sources. Try spending 15-30 minutes a day in sunlight, and replace overhead fluorescent light bulbs with "full spectrum" bulbs. Give a little bit. The last few years haven't been easy for many people. Donating your time or talent to make the holidays special for someone in need is one of the few gifts you can give to someone else and yourself at the same time. Help somebody else de-stress this holiday season! Feel free to pass these tips along to your team, clients, and colleagues. Economic Calendar for the Week of December 02 - December 06 Date ET Economic Report For Estimate Actual Prior Impact Mon. December 02 10:00 ISM Index Nov NA   56.4 HIGH Wed. December 04 08:15 ADP National Employment Report Nov NA   130K HIGH Wed. December 04 10:00 New Home Sales Sept 432K   421K Moderate Wed. December 04 10:00 New Home Sales Oct NA   NA Moderate Wed. December 04 10:00 ISM Services Index Nov NA   55.4 Moderate Wed. December 04 02:00 Beige Book Dec NA   NA Moderate Thu. December 05 08:30 GDP Chain Deflator Q3 NA   NA HIGH Thu. December 05 08:30 Gross Domestic Product (GDP) Q3 NA   2.8% HIGH Thu. December 05 08:30 Jobless Claims (Initial) 11/30 NA   316K Moderate Fri. December 06 08:30 Personal Consumption Expenditures and Core PCE Oct NA   0.1% HIGH Fri. December 06 08:30 Personal Spending Oct NA   0.2% Moderate Fri. December 06 08:30 Personal Income Oct NA   0.5% Moderate Fri. December 06 08:30 Unemployment Rate Nov NA   7.3% HIGH Fri. December 06 08:30 Average Work Week Nov NA   34.4 HIGH Fri. December 06 08:30 Hourly Earnings Nov NA   0.1% HIGH Fri. December 06 08:30 Non-farm Payrolls Nov NA   204K HIGH Fri. December 06 08:30 Personal Consumption Expenditures and Core PCE YOY NA   1.2% HIGH Fri. December 06 10:00 Consumer Sentiment Index (UoM) Dec NA   70.4 Moderate       test test test     The material contained in this newsletter has been prepared by an independent third-party provider. The content is provided for use by real estate, financial services and other professionals only and is not intended for consumer distribution. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors.   As your mortgage professional, I am sending you the MMG WEEKLY because I am committed to keeping you updated on the economic events that impact interest rates and how they may affect you.   Mortgage Market Guide, LLC is the copyright owner or licensee of the content and/or information in this email, unless otherwise indicated.   Mortgage Market Guide, LLC does not grant to you a license to any content, features or materials in this email.   You may not distribute, download, or save a copy of any of the content or screens except as otherwise provided in our Terms and Conditions of Membership, for any purpose.     You received this email as a result of your ongoing business relationship with Michael Magnabousco. 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