Check out this link and select "demand snapshot")That said, we've since the market cool slightly the last month.

In short, I'll never do it again unless the relationship began as a business relationship that later evolved into a friendship and even then I'd be very selective.

We're advising clients to consider selecting a lower prepayment penalty to refinance if rates decline in the next few years.

This way, you can still have a personal touch in your selection but ensure that your decisions are based on measurable factors rather than subjective preferences.

Have you selected the market, return criteria, etc.? 

I own my own brokerage so I can do what I want, and my agents are intelligent enough to do what they want without my permission, but I have a small team of very select agents. 

They will select materials, colors, and fixtures that are "IN-VOGUE" at the time.

He says he talks to hundreds of people every month, but only a select few are a good fit for their course.

So your vision of things, is via a lens you pre-selected to see things in, an "evil" intention vs one where they are trying to avoid the size a universal increase would require, the burden upon everyone, and seeking how to achieve same ends but in a more fair and balanced approach. 

And in my opinion, his book covers everything a newbie needs to understand: from asset selection, to evaluating sponsors, to capital structures.