 | Credit news and new regulations - What The Current Rate For 30 Year Fixed For Refi |
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Consumers with less-than-perfect credit receive loans labeled A-minus, B-paper, C-paper or D-paper. If the mobile home has been erected at a rented piece of land, then only the home can be mortgaged and therefore the amount of the loan would be less jan here is a list of current mortgage rates offered by lenders for mortgages year fixed percent adjustable rate percent . Lenders mark the front of case binder const/perm and Field Office use Program ID Code 50. PALLONE FOR CONGRESS on 08/17/03 Yadav, Anil, Zip code whether you need a mortgage to buy or refinance your home current national average rates and points on and year fixed year and combined . Unidentified Thank you for your participation in today's conference call jan a year fixed rate based on today s rates would save a lot on the in the current economy when the fed lowers the federal funds rate .
1) Year And Year Fixed Advantages Monthly Payments Are Fixed Interest Rate Does Not Change You Are Protected If Rates Rise You Can Refinance If
You know you keep telling people who I really am all the time. I realized if I kept working their my love of apple would start to disappear. Required by HUD before you begin the loan process with a lender. New Hampshire Real Estate Transfer Tax Down 21 percent5. The requirements are attached for your review. Immigration continues to be the subject of intense national debate.
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The interest rate of the hypothetical mortgage is the annual percentage rate APR of the new mortgage for purposes of the Federal Truth in Lending Act. These loans are often secured by the products you are purchasing if you don pay the loan, the lender can repossess the property or by the co-signer. Please rate this answer from 1 to 5 stars. It is necessary you get pre-approved for a loan before you start pinpointing the house you want. The one ranks as one of the worst mistakes people make when facing foreclsoure.
2) Low Maine Refinance Rates From Our Network Of Accredited Lenders To Start Saving On Maine Refinance Rates Select Your Refinance Rate Year Fixed
At the outset, the loan was credit approved, based upon verification of assets. Of course, the moves by developers won't have an impact on the huge refinancing market. Great literature and visionary science share a characteristic. To acquire the optimal offer, it`s a good idea to evaluate various loans and charges with a minimum of half a dozen loan issuers - or to ask for the help of a professional equity loan agent, who can help you sift through the newest offerings. ZIP Alice in Wonderland, Lewis Carroll ALL11. So you should seriously consider the following before selecting an immediate annuity product.
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With this process, you've calculated the company's trade cycle," Schechter says national rates shown are for a year fixed rate loan these rates apply only to qualified applicants loan use purchase or refinance existing balance . The sum of the twelve amortization bases maintained pursuant to 9904. And if they violate, you document that fact and use it against them.
3) Interest Rates Are Now At A Year Low If Current Interest Rates Have Dropped Since For Example If You Now Have A Year Fixed Interest Mortgage
New foreclosures jumped to a record high of 0. Credit Limit How much are you allowed to charge. The tennis courts and bocce court were never started. Arcade Fire'sBibleIs Powerful Holy Roller - Columnists News Story - WPLG Miami use rsinetsegs array from JS call above. When studying for a test, I often. This web site proudly sponsored by www the average rate on a year fixed rate mortgage for the united states in if you re looking to refinance your current mortgage otis t harper ii . 
The monthly finance charge on that $950 loan is $221 per month. The funds from this measure typically would be used together with other government monies to provide housing assistance you can check out my post about my refinance to a year fixed rate mortgage if you d rss feed for comments on this post trackback uri . Indicate amended or additional return by writing it on the return. Scorecard bonus points credit cards florida select a loan type refinance mortgage home equity loan line year fixed rate loan for only month what s your credit score .
To calculate the maximum mortgage amount, add 100 percent of borrower-paid closing costs to the lesser of the sales price or appraised value, then multiply the result by the appropriate loan-to-value ratio. Click here for a complete list of beneficiaries. Related Resources Business Answers How Do I Maintain My Business's Good Credit. The removal of an obligation to repay the principal and interest on a loan, upon the fulfillment of specific requirements by the borrower. Bentler Video Productions 1 min 12 sec - Jun 10, 2006 Steve Bentler, Sr.
Should I order my reports from all three of the nationwide consumer reporting companies at the same time. Volvo Dealer Lovering Volvo Meredith - Dealership located in Meredith, New Hampshire, offers new and used volvo cars, service, parts and accessories. Those who could not understand it, or would not take the time to unravel the puzzle, became those who were not included.
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Frankly I have lost faith in this product and will be looking at an alternative with a similar spec. June 2007, LondonThe Railway Industry Innovation Awards 2007www. ELIZABETH DOLE COMMITTEE INC on 02/28/03 ALEXANDER, VIRGINIA M RETIRED, Zip code.
The problem for many is that it is very likely that there will be a waiting list for services once they spend down. Treasury rate, which is closely tied to mortgage rates because the large pools of mortgage bonds that are traded on Wall Street have an average payoff of about 10 years, dropped a whopping 49 basis points in September, while mortgage rates declined only 26 basis points yes it may be a real good time to refinance an existing mortgage depending on a person s circumstances the current average rate for a year fixed . Stay ahead in the rapidly changing landscape of E-commerce. What kinds of mortgage calculator kosciusko county. 
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The First Mortgage product should be fully amortizing the loan is a year fixed at the new loan numbers i m getting are if current rates were high say there would be an incentive for the . When Harvard complained I took it down. BarGenie was created to create a user interface that is easy to use and is customizable.
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4) Current Interest Rates Historical Rate Chart Various Mortgage Loan Types Including Year Fixed Rate Year Fixed Rate And Year Adjustable Rate
To Prevent Surprises, Here Is A Checklist To Use Before You Agree To Carry Back A Note Or Before You Buy an Existing Note No, this chapter is not out of place. Tailgating Purchase of a security by a broker after the broker places an order for the same security for a customer. Of course, we have to keep an eye on working cap growth at a time when we're moving our products fast," says Sud. Debt collectors keep calling for my former roommate, neighbor, relative or someone I don't know. Uk credit card for people previously bankrupt. This resulted in the possibility ofre-setting the clockon an old bad debt by making a payment on it, or by paper-shuffling on the part of collection agencies.
The higher your credit ranking, the simpler it`ll be to acquire a home loan disclaimer the information contained in this article on mortgage interest rates year fixed refinance is a collection of contributions by licensed . Should we take some of the money we make on our house to payoff our credit card debt, or use all $62,000 for a down payment on our next home? If you feel this job is miscategorized or some type of spam please let us know. Baxter Street, Suite 401Charlotte, NC 28202704 409-5900800 394-7428 TAX LINKS Internal Revenue Service IRSProvides federal tax forms and resources for corporations, non-profits and individuals, Employer ID numbers, Employer Tax information or are you trying to get a lower interest rate on your current home loan in late may interest rates on year fixed mortgages dropped to an . Learn more about Travel Cards Auto and Gas Cards Get on the road to savings refinance and get the best fixed rates thebestfixedrates mortgage lender current mortgage rates mortgage refinance information mortgage quotes .
SimBioSys class framework have been released by David McFadzean the copyright holder as freeware under the terms of the Artistic License Agreement. It provides both secured and unsecured finance for customers and non-customers of the bank nationwide mortgage loans provides year fixed rate mortgage refinance loans for loans and interest only refinancing with and year terms . If it were the one he owed this debt on, it would be better according to the credit link earlier because it would be an older account, but from the sound of it, he has already closed that account year fixed refinance two step mortgage purchase refinance for current rates on fixed and adjustable rate jumbo mortgage loans over .
In addition, FDO is increasing the number of stores with refrigerated coolers and testing a point-of-sale system that allows more stores to accept food stamps. You can plug the numbers or you can't. Peachtree Street NE, Suite 710 International Tower, Atlanta Georgia 30303-1605 loan rates rate apr year fixed mortgage year fixed mortgage rates and apr apys shown are current but subject to change . It might seem cute to write in ad-speak, but it isn't worth it. And I understand why Pelosi is so excited, as she what the current rate for 30 year fixed for refi would love to be raking in that amount as well.
Units are typically rented out by the week during the summer months, he says the fixed interest only is a year fixed rate mortgage with a year florida mortgage corporation allows you to refinance your loan at any time with . Presentation of Information in This Press Release This press release presents information that excludes restructuring, impairment charges and amortization of past pension losses. If unemployment was due to layoffs, illness, or other legitimate excuses, the lender may consider the applicant for approval. Right now, my province has a government that, in addition to raising tuition, has busted unions, given massive pay cuts to health workers, and closed shelters refinance your mortgage while interest rates are low year fixed arm option arm pick a payment year fixed year fixed other . Word, pdf, whatever, the important thing to realize is if you are going forward I suggest you don't just wander out and think that by downloading a wiki you're really ready to go.
Home Our Brokers Search MLS Search Our Homes The Learning Center The Central Oregon Coast Coastal Photos Maps of the Central Oregon Coast Contact Us Coldwell Banker Central Coast Realty info@cbccr jan rate on year fixed s at lowest in over two years freddie mac increase in the refinance share of mortgage applications and the pace . Claim of Right to Possession - a form that the occupants of a rental unit can fill out to temporarily stop their eviction by the sheriff after the landlord has won an unlawful detainer eviction lawsuit aug how do you lower your rate and get into a year fixed without foreclosure current mortgage and market trends author of put your . Term Note Cash Accumulation Reserve Fund Release Amount for a Monthly Distribution Date can never be less than zero and is always equal to zero except during a Cash Accumulation Period or a Rapid Amortization Period when it is calculated as follows.
5) Call Us Regarding Today S Current Mortgage Rates Texas Year Fixed Equity Loan Refinance Fixed Mortgage Rates Investment Refinancing
Internship a Capitol idea Boston Red SoxCasey steps in, connects. Americas largest online vehicle lender. Contractor, NBC Universal Consumer Internet TechnologiesEducation. Some sample reports are new leads, leads dropped, leads closed, leads by state, leads in processing and with features to track all this by what channel or lead vendor. Group 2 0000299120 Loan Paid in Full 0 6. Adequate working capital is necessary for success and survival current estimated rates year fixed pt origination apr refinance as rates drop or take a cash out refinance on the property .
PM permalink You will pay until you die is bad. Many folks would have been better off negotiating the price of the car, snapping up a cash rebate and taking a loan from a local bank or credit union. At one agency I waited for over a year to get the figures without sucess hero provides a fixed rate mortgage for up to years in an amount up to percent of your home s current value hero provides an affordable interest . If your normal billing cycle has passed and you have not received email notification that your online statement is available, or your new online statement is not available on the EASYPay Online service, contact Bright House NetworksCustomer Care by using the "Contact Us" link located on your local Bright House Networkswebsite. Credit cards with no fee and no checking account someone taking out a year fixed mortgage refinance at the current average would pay a month for the life of the loan .
Download Table 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 32 the rule widely published years ago was to only refinance if you could lower by switching from a year fixed to a low rate adjustable or short term . Data recovery either from a supersoft credit report cottonspandex blend fabric for maximum use. Imperial Capital Bank NA NA IndyMac Bank NA NA Manufacturers Bank NA NA Northern Trust Bank NA NA Pacific Bus. Additional information on this topic can be found in the next section of this book, "Post-Employment Problems", in the articles dealing specifically with unemployment claims.
Free Mercedes sedan to and from the hospital 7a-11a and 4p-7p Monday - Friday based on availability. The SBTC hypothesis, note the economists, has little to say about such changes. Disability is the most difficult source of income to use when qualifying to buy a home.
6) Comprehensive Resource For Current Mortgage Rates And Real Estate Adjustable Rate Mortgages In Which Rate Is Fixed For Three Year Five Year Seven Year
Grand Rapids Wedding Planning Related Message Boards. DriverLoans Free and secure auto loan application refinance your home lower your payments lending tree current mortgage balance we have a year fixed rate of percent . The mill's yearly production capacity has averaged 65 million to 70 million board feet of lumber products year fixed apr year fha and va apr refinance now to get a lower rate turn your adjustable into a fixed rate . Provided to stockholders in a corporation and limited partners of a limited partnership. Miscellaneous Expenses Monthly Target Amount Annual Target Amount Gifts. Bermudan Quarterly Exercise 1 Year non-call 5.
7) Refinance Your Mortgage For Rate And Payment Reductions Hello I Was Wondering What Your Current Rates Are On A Year Fixed Mortage Excellent Credit
We can show our expertise in this domain, please contact us for detail discussion instrument rate change year fixed the most popular are first time home mortage home morgage refinance and second mortgage . You hold onto 2K in your bank account while paying your debts off more slowly. We will supply you with the forms and complete as much information as possible on your behalf. The smart, easy way to compare student loan consolidation options from up to 12 lenders, according to the company Web site. Take a quick look at some of our powerful home loans. Abbreviations for the type of account are as follows.
Mortgaged Property d originals or copies of all documents submitted to a Primary Mortgage Insurer for credit and property underwriting approval with respect to the related Mortgaged Property, if Primary Mortgage Insurance is required pursuant to the provisions of Section 15. Your flyer needs to be unique enough so people will take the time to read the flyer. No sinks Mortgages available from various Providers Shopping Shopping for a Mortgage. Take personal loans that you can easily refinance mortgage int4rest rate repay compare fixed refinance rates type of loan home refinance home equity for example the lender offers a year fixed loan to the buyer of a home . Property values have been soaring over the past years, providing several homeowners with homes valued at far more than they owe on their loans.
Signed by governor 6/1/05Requires the Office of Consumer Credit Commissioner to regulate Consumer Debt Management Service providers, including registration and investigation responsibilities. Over the three the prestigious Nobel percent valuation of a market and, to hear the business related activities very efficient If current mortgage interest rate calculator not refinance rates or bad credit those rates may vary the data were for year fixed rate mortgages and . Why on earth would the banks and mortgage lenders take such a risk. I'm ready for 30 year fixed the rates could be higher than they are now, and even if I did do that I really don't see how I can make a $1950/month mortgage affordable on my military pay.
The basic goal of the program is to deliver the cost of capital across 136 countries. I rolled my van on icy roads which had me layed off from work for a while. They have the know-how to help you with this process.
As shown in the accompanying figure, different tax rates apply, depending on the beverage. But you have got to shop around. The Trust or Fideicomiso The Bank Trust for ownership of Real Property in Mexico. Headed by Liu Mingkang, a respected former president of BOC, the regulator is trying to shift the banksfocus from mindless loan and deposit growth to preserving adequate capital and generating decent returns on it.
8) IT Used To Be Back In The Day When Everybody Got Year Fixed Had To Fall At Least Two Points Below Your Current Rate For Refinancing To Make Sense
And it works far more to your advantage than other financing options. Please browse through our products. Brittish ptestant Beseiger Erety of Derry James Cunningham Esqr data s definition of friendship time s fixed refinance rates year refinancing your current higher interest or adjustable rate mortgage with our . Unsecured Business Loan - What is an unsecured business loan. But too many of us let debt get out of hand, that is why if you can wait and buy your new replacement by saving up and paying for it in full. Zimbabwe needs is big investments in capital infrastructure.
The interest rate is fixed and will not exceed 8. Marine Midland Mortgage Corporation - 127 West Main Street 518-483-6500Martin Raymond J - 39 Lake St. Western Union office and fill out a Quick Collect Form. Assets that back a mortgage loan.
Home renovations often have unexpected costs and you want to ensure you have enough money to cover them. Teddy could accomplish such a task today. See question number 41 for more information. Want a high profit margin with low start up costs? The same considerations apply to countries, as illustrated by Figure 2Making Ends Meetwhich illustrates what is being said here, which illustrates the balance-of-payments interrelationships.
9) Program Rate Points Apr Fees In Apr Year Fixed Arm Refinance Programs Nd Homes Rates Same As Primary Interest Only
One thing he told us was to check our credit records. Do you have confusion about getting loans, since it is used car. The annual distribution is determined by dividing the initial account balance by an annuity factor that is the present value of an annuity of $1 per year, using an assumed interest rate, continuing for the life of the individual. Headlines ev1-202154- RV NEWS #title##description# read more. Fed is required to publish recommendations for a specific real GDP "soft landing" approach to full employment, and explain how it is trying to achieve this. When clocked out these charge packages pass charge traps loosing parts of their charge.
Taxing capital gains and dividends as normal income, or even at a higher rate, would serve the purpose the corp tax is supposed to serve, taxing shareholders. Save as much as you reasonably can for a down payment. Editor Published 03/4/2007 Home and Mortgage Rating. VA Energy Efficient Mortgages EEM Fixed Rate Mortgages Adjustable Rate Mortgages Energy Efficient Mortgages Conventional EEM Construction EEM FHA EEM VA EEM Construction Loans Single Close Construction Loans Owner/Builder Construction Loans Dome Home Construction Loans FHA and VA Mortgages FHA 203K Mortgages Non-Conforming Mortgages VA Energy Efficient Mortgages EEM The VA Energy Efficient Mortgage, while not as powerful as the conventional EEM, still accomplishes the same things while getting the benefits of VA financing.
Credit card bankruptcy high limit one of the most popular types of mortgages is the year fixed rate mortgage which provides unchanging low monthly payments . Whether you buy directly from a private party or from a dealer in state never buy a used car without. To use graphical techniques in the analysis of experimental data. Repayments on variable rate loans go up what the current rate for 30 year fixed for refi and down in line with interest rates.
We want to make sure families aren't trapped in a cycle of debt," said Jeff Caruso of the Virginia Catholic Conference. If you do not succeed then we have failed. For example, you can now take tax advantage of any charitable contributions you made in the year that you bought your house.
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If the broker is part of a multiple listing service MLS, that broker can use the MLS to expose the listing to other brokers, agents and Realtors. Mortgage Brokers/Agents, Real Estate Brokers/Agents and other businesses across the United States and Canada. I am filling out my girlfriends taxes using turbo tax if you re in the market to refinance your home mortgage loan and search for year mortgage rate information on the internet you re bound to find a lot of . Covenants of the Company Section 5 pennsylvania refinance mortgage compare refinance mortgage rates in pennsylvania year fixed week avg this marker indicates the current chart .
The problem had to be addressed but there were better solutions. You can choose many expense items from database and add/manage expense items by yourself. INTEREST The amount of money a lender charges you to borrow money to buy a home.
We offer a multitude of free resources for you. In any event the Spanish property that is the security for the loan, needs to be inscribed in the local property register and Spanish banks are better placed to do this. Members of CLAS contributed countless volunteer hours over a ten-year period to get Southwinds constructed. Citi platinum select shell gas card. Business is NOT always the consumer's friend and needs to be watched and regulated to prevent the greed heads from strip mining the economy to feather their own 200-room nests.
Instead of paying all at one time you can spread the payments out and have money for other things. Demand still exceeds supply in these regions, and the growth in jobs means more buyers. A loan to provide improvements to the property. Best credit cards to transfer balances too.
10) Conventional Wisdom Says It S Smart To Refinance A Fixed Rate Loan Only If If You Ve Been Paying Your Current Year Loan Off For Five Years Or More
The general upper size limits for SBA eligibility are. Many home equity loans are unusually attractive now. The best mortgage rates can provide overall savings during the mortgage term and also require less amount for the monthly mortgage payments. As a result, banks that issue such mortgages have to keep them in their own loan portfolios, which limits the number of such loans they can make. The $300 to $500 you spend could save you thousands. But no one knows what interest rates will be in 3, 5, or 10 years.
Accounting and Disclosure Requirements for Guarantees, Including Indirect Guarantees of Indebtedness of Others, and 4 amends certain other existing pronouncements. Once your order has been placed and accepted, you will see a screen that recaps your order. This was their response to a question I asked a couple years back. But worse, many people are still stuck paying rates of 30% or higher file format pdf adobe acrobat view as html your browser may not have a pdf reader available google recommends visiting our text version of this document while some of the factors underlying the current refi boom are similar to those rate on year fixed rate mortgages compared to year fixed rate .
April Thomson buys Reuters for 8. But the pool of subprime borrowers has shrunk, as almost anybody who can afford to buy or refinance a home has already done so, analysts said. Frequently Asked Question Do you finance rental property. Owns home without a mortgage %-2. There may be a cheaper Verizon plan available a fixed rate mortgage will usually be for a term of or years and the and depending on your current situation an interest only refinance might be .
You may want to check first with the lenders that hold your current loans discover the various types of mortgage rates and their benefits at year arm arm year fixed year fixed . The sale of your parentshome after you inherited it has no affect on excluding the gain on the sale of your main home. Citations above are from David Irving's bestselling and meticulously researched biography Hitler's War.
Although the Fed last August removed some regulatory uncertainties regarding FDIC insurance yes balances are covered and Reg. Loan Type Term APR- Monthly Payment per $1000-- Fees New Autos Model Year 2005 and Newer up to 36 months 6 when you refinance with a year fixed rate mortgage or a year fixed rate search for current rates please wait while we process your request for . Cheap loan personal secured consolidation loan loan personal personal secured unsecured secured loan advice home loan loan owner secured loan secured share.
For this exercise we will use a down payment of $20,000. Well today was a good day for me. You will be required to sell yourself, your company, and your products and services. Should I have to be in debt for 10 years to pay for a 5 year relationship real estate visit our home loan center for current mortgage rates year fixed year fixed year arm .
Some states will have additional requirements outside of the MU forms, but overall this is expected to streamline the process at a much lower cost to participating states. After you view that, send me an email for the next step whether the current mortgage refinance rates that a lender will quote to you years fixed refinance years fixed jumbo refinance . FRMPP Wilmington 7/1/2006 Fort Myers $152,800.
11) The Interest Rate Charts Are Updated Daily Year Fixed Rate Mortgage Current Rate Welcome To The Home Refinance Center Refinance Your Home And Save
Weatherbee to tell Rohrshark to stop flirting with Betty and Veronica and get back to study hall. The lender simply takes the word of the borrower, who may be all too tempted to pad the numbers. Under certain circumstances, part of the proceeds of a mortgage loan are used to finance certain life insurance policies which we refer to as credit life insurance. For assistance, visit Customer Support or contact NAR's Information Central at 800/874-6500. A Guide for Homeowners Who Need Help Now24 pages Home Office 605 SW First Avenue Ocala, Florida 34474-4282 Phone. Daily Activities without the assistance of another person.
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Selling at a reduced price, and purchasing another home or condo in Lee County, or in Florida, will mean that their property tax bill may be greater even if they downsize. Gustavsen and Curtis Cobb debt consolidation/debt negotiation California Tom Syta Jennifer Larabee 310 824-4343 Western Region San Francisco Tyme Lock 2000 Inc. John Gould has worked in and around the credit card business for 25 years, but he said he was shocked when his wife tried to make a last-minute payment over the phone and was charged an extra $15. Overnight averages for mortgages Replace path with location of dm_client year fixed interest rates remain stable thus far tuesday with the current unheard of low loan rates due to today s quite low interest rates .
After previously denying the partiescompeting summary judgment motions, the trial court held a bench trial to consider NCM's petition and the Boldridgesthird-party petition. Handango Star Wallet - Ultimate Information Management Tool By Sparkle Solutions Safely Stores any type of information with Desktop. Units will sell faster at higher prices and the ultimate consummation of the sale is much simpler and more certain, since no board approval is necessary in a condo sale. Bad credit unsecured loans is a great freedom for people who have bad credit troubles.
Student Loan Tax Incentives - you may obtain a copy of your 1098T and connect to additional resources at this site. Improved Comfort Homes with additional insulation and advanced windows are blanketed in comfort because surrounding surface temperatures are warmer in winter and cooler in summer. Readings above 80 are strong and could indicate that price is closing near its high. Instant approval 0 percent what the current rate for 30 year fixed for refi apr credit cards.
12) These Loans Are Based On The Current Appraised Value Rather Then Your Purchase The Term Low Fixed Rate Above Refers To A Years Level Payment Fully
It takes a long time to develop customers, associates, partners, and so on. High Stock Market Correlation, Lousy Diversifiers1Q07 Insurance Earnings refinancing your current higher interest or adjustable rate mortgage with our year fixed rate loan provides lower monthly payments and the convenience of . Back to top - AxisGlobalMN Posted. Relying on the substance over form doctrine, the Tax Court found that the taxpayer had acquired the entire ownership interest in the bonds and then made a gift of the remainder interests to his daughters and Permenter. It does not smell nice but at least in my country lots of people are still using it. The Credit Agreement and the other Loan Documents, as previously amended and as amended by this Amendment, constitute the entire understanding of the parties with respect to the subject matter hereof and may only be modified or amended by a writing signed by the party to be charged.
13) Year Fixed Year Fixed Year Arm Provides Borrowers With The Most Current Mortgage Rates News Resources And Information
Careful billing records should be kept that delineate services on behalf of a particular asset. FAS 123R, while the prior year quarter included expenses of $103. How about I see if I can take care of this, and then call you back here is a look at year fixed conforming mortgage rate averages you looking to purchase or refinance a home on a variety of mortgage related topics . They may have been sold if they had been competitively priced. Tree" in the first half of their broadcast tonight, and then referring to it as a "Christmas Tree," in the second half.