We didn't feel anything or see any of the ghosts, shadows etc, but did see the machines spike a few times that others were using.

However, it is hard to ignore the spike in RAW materials with low demand due to current economic conditions.

This $85 to $100 spike was driven by the North African revolutions, especially Lybia.

I remember the 80s when gold and silver spiked as well.

I am sure everyone has their take on a pre-approval, my take is a pre-approval is only as good as the loan officer especially when it is issued purely from the loan officer's opinion.Nowadays with a more purchase centric market since refi's have cooled off from may 2013 rate spikes banks are issuing fully underwritten TBD credit approvals which are a different animal.

I do not think Coastal CA home prices could withstand a 5% interest rate very well, rates will have to stay below say 4.25% for a long time or there could be problems (unless of course incomes start spiking upwards).  

The number(s) used to call (especially if it's by a service) may have been marked as “Spam Risk” by the telephone company’s algorithm (e.g, 100s of calls in 1 hour either in spikes or consistently, recipients reporting it).

You can also cap the loan if you get the right product so that spiked inflation and rates won't put you in the poor house.My question is...What loan product would work the best for this type of scenario?

And that was a big spike, check out the gold spot chart for the 13th: http://www.kitco.com/charts/livegold.html (the red line designates the 13th)I believe in Schiff's beliefs, whether you do or not is great, but he was right last time...

Look where the unemployment rate spikes, and recessions have occurred in the past.