The SBA and inculcate

inculcate

in-KUHL-kayt

To instill something into the mind of a person by repetition.

From Latin inculcare (to tread on), from in- (in) + calcare (to tread), from calx (heel).

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TIP OF THE WEEK 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

Keep in mind that the correlation coefficient between SBA 7(a) loan approvals and our economy's Gross Domestic Product is a statistically significant 0.86.

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy.  SBA loans are good for the economy. 

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Indices:

PRIME RATE= 3.25%

SBA LIBOR Base Rate May 2015 = 3.18%

SBA Fixed Base Rate May 2015 = 5.11%

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SBA 504 Loan Debenture Rate for May  

The debenture rate is only 2.77% but note rate is 2.817% and the effective yield is 4.850%.   

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AHEAD OF THE YIELD CURVE 

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Keep your eyes and ears open for this week’s report on employment for the month of May.

Here is a summary of net payroll employment and this week’s interesting little table of data:

April                                  223,000

March                                   85,000

February                             266,000

January                               239,000

2014     3,116,000

2013     2,074,000

2012     2,193,000

2011      2,103,000

2010     1,022,000

2009     -5,052,000

2008     -3,617,000

2007    1,115,000

2006     2,071,000

2005     2,484,000

2004     2,019,000

What does all this mean?

I don’t know.

Last month’s report on jobs for April sparked a small rally in the bond market, driving Treasury prices higher and yields down. 

For years, the $12.6 trillion U.S. Treasury market has signaled -- correctly -- that the Federal Reserve was too optimistic in its outlook for the economy and interest rates.  Regardless of when the first increase comes, futures show traders don’t see rates exceeding 1 percent by the end of 2016, versus the Fed’s estimate of 1.875 percent.

They took a June hike off the table, but buried in the minutes of the Federal Reserve's April meeting released last week showed policy makers are likely to keep interest rates lower for longer.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

Interest rates will not be going up any time soon.

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OFF BASE

It’s normal to not immediately inculcate subliminal messages in your mind.

Subliminal messages have the ability to become a part of yourself, and since they don’t require logic and decision, you tend to believe and act them out almost instantly, as soon as you can perceive them.

Self hypnosis is one of the best ways to receive subliminal messages.   The first step is to be dulled into a stupor which should have occurred by now if you have actually read all this.

Just remember, SBA loans are good for the economy and interest rates are not going up anytime soon.