Mortgage interest rates, as reported by Freddie Mac , have increased over the last several weeks. Along with Freddie Mac , Fannie Mae , the Mortgage Bankers Association and the National Association of Realtors are all calling for mortgage rates to continue to rise over the next four quarters.
This has caused some purchasers to lament the fact they may no longer be able to get a rate less than 4%. However, we must realize that current rates are still at historic lows.
Here is a chart showing the average mortgage interest rate over the last several decades.
Though you may have missed getting the lowest mortgage rate ever offered, you can still get a better interest rate than your older brother or sister did ten years ago; a lower rate than your parents did twenty years ago and a better rate than your grandparents did forty years ago.
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Sometimes we all get so busy that we forget the loved one that is always waiting for us at the door. During this holiday time, we searched for several articles that may help with keeping your favorite furry friend content during all the rush.
Dog Treats at Christmas
Besides an “atta boy” and pat on the head from you, the next greatest reward your dog likes is a yummy treat. What’s more, giving your dog a treat makes you feel good, too. The very act of rewarding your best friend with his favorite treat not only reinforces training, but helps solidify the bond you share with your canine companion.
Fortunately, organic Christmas treats are a way you can spoil your dog without giving him an unhealthy snack. If you do not have access to a doggy bakery, you can find several healthy choices online, the healthiest being an organic or all natural treat.
For instance, Pampered Paw Gifts offers dog lovers organic and all natural products like salt free Christmas doggy cakes made with a rice cake and yogurt frosting, decorated in holiday colors, and trimmed in doggy bones.
The Christmas doggy treats look like pastries that come from a high-end human bakery and are exquisitely decorated in holiday colors in various dog-themed shapes. They not only look good enough for a person to eat for a Christmas treat, but are made with the finest human-grade ingredients. So, if your dog is willing to share with you, there is no harm in taking a nibble.
Other delectable dog treats you can expect to find online are cookies, bon bons, paw prints, paw cups, bones, reindeer, presents, mittens, santa paws, snowflakes, and wag sticks made from a peanut butter recipe and iced with yogurt. All items are free of byproducts, artificial color and flavors, and preservatives.
Listed below are other safe Christmas dog treats:
ifts for Your Pets during the Holidays
‘Tis the season for gift giving and warm holiday cheer. It is important not to forget the furry members of your family during the Holidays. To help you, we have created a list of fun gift ideas for cats and dogs!
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