Bambino’s Donuts. Absolutely amazing!

Bambino’s Donuts. Absolutely amazing!

In case you hadn’t head about Bambino’s donuts, they are absolutely amazing! The best doughnuts I have had! There delicious and they melt in your mouth!! The service is wonderful too!From Brandon: GREAT flavor, GREAT serving size!!

The owner’s great attitude is what first draws you in, then it’s a pleasant sight seeing them flip doughnuts, these doughnuts are AMAZINGLY soft, and delicious with cinnamon sprinkles and powdered sugar PLUS delicious chocolate fudge!! GREAT serving size!From Stephanie: Love them!!!!

Talk about melt In your mouth delicious!! Me and my family couldn’t get enough of the Bambinos. Nathan was so kind to give us a free sample and we were hooked!!!! I think AT&T center would be making a good decision having Bambinos there!!! I would go to the games just to get some ;)From Sonja: Awesome baby donuts!!

Thanks Nathan! Loved your mini donuts 😉 been to the rodeo so many years, never had anything like them before! Great taste without the mess! Can’t wait to eat them again! Look forward to seeing you at the Spurs games!From James: Great service, HOT Donuts!

My fiancé and I were at the San Antonio Stock Show & Rodeo and were eyeing the turkey legs. As we walked by Bambinos, we were offered a sample of their donuts… I was sold. I popped the mini HOT donut in my mouth and couldn’t resist getting more. The owners are extremely friendly, personable, and honest about their great product. Needless to say, next time we come across them, I’ll be getting more! I recommend you do the same! Best donuts in the WORLD! Awesome overall!

Great people running it, very outgoing, & also the delicious donuts. Amazing service & amazing food. A+

I first sampled this product at the San Antonio stock show and rodeo, and was surprised to see such a unique product amongst all the funnel cakes and kettle corn. My eye was immediately drawn to the stand. I was offered a sample and found possibly what is one of my top two desserts (brownies being the other). The stand owner is a friendly man that wants nothing more than your satisfaction in his product. I rate this 5 stars on the Georgina dessert scale.

I tried Bambino’s mini donuts at the San Antonio rodeo. By no means am I a donut connoisseur, but these were terrific. Had great flavor and texture, and were softer inside. Kind of hard to describe, but they were really something over other donuts I’ve had in the past. They have a nifty donut-ball making machine that fries them and pushes them out in one go. I talked a fair bit with the owner and found him very friendly. He runs a great business, and I think Bambino”s is well worth checking out if you have a donut craving.From Eric: Way Too Delicious!!!

It’s like a funnel cake, but 10 times better!

For more donut fun, visit

Saving on Home Improvement

Saving on Home Improvement

Saving on home improvement jobs is an easy way to keep a little extra money in your pocket while increasing the value of your home.  Some jobs will more difficult than others to save anything on, but in most cases you should be able to save at least something.

The first rule in home improvement is to make sure and get several estimates.  Even if you get a recommendation from a neighbor or friend, get at least one other estimate.  Just because your buddy got a good price on the work he had done, does not mean you are getting the same good deal.  Many things can factor in the price you receive.  For example, if the person giving you a quote is in a slow period, he or she may be likely to come down on the price.

Another good tip is to figure out what parts of the job you could do.  Some contractors or handymen may not work with you on this but a lot will.  First, always get the full quote, and then ask them what the price would be if you did certain pieces.  For example, lets say you are remodeling a bathroom, you might choose to do the demolition of the job or the painting afterwards.  Sometimes when you get an estimate it is already broken up in the different jobs, so it will be easy to tell your contractor or handyman what you want to do.

There are a lot of home improvement jobs you can do yourself without any hired help.  Also, sometimes you can tap into friends to help you do the job yourself.   Painting is the easiest thing to tackle on your own.  Most painters would charge anywhere from $300 to $500 for each room you want painted, however, usually the materials for painting cost about $75 for that room.  Other things that are relatively easy are replacing fixtures, ceiling fans, and putting down tile.

You should never do anything you are not comfortable with or may create a hazard.  Also, if you are working with big ticket items, it may be best to hire professional help.  Something like installing a skylight can be easy, but you could also do some serious damage to your roof if you are not cautious.

Be adventurous but temper that with smart caution.  There are a lot of websites out there with information on doing home improvement jobs.  Who knows, you might just learn some new skills and save some money too!


You May Not Want To Try Forskolin Until You’ve Read This

You May Not Want To Try Forskolin Until You’ve Read This

No one is ever happy with being fat. Everyone wants to have a nice body shape as this improves your confidence before other people. However, the precess of losing weight can be very challenging and tedious at the same time. Apart from losing weight to become fit, weight gain has more serious health problems than you can even imagine. Weight gain is associated with deadly diseases such as heart attacks, high blood pressure, diabetes and some cancers. It is worth to reduce that fat around your belly. This will save you a lot of problems.Causes of weight gain

If there is a easy thing to do on this earth is to gain weight. Some people gain weight without even their notice. All the same, it is worth to take care of your body weight. The major causes of weight gain is bad diet and bad lifestyle. Eating everything like a pig will cost you even your life! Your body needs a small portion of food so the rest will just go to waste or be used to create fats. Also avoid foods that are heavy in fats and also sugary foods. Instead, take more of vegetables, fruits and foods rich in roughage to help in digestion. Also, living a life without doing any exercise is like digging your own grave. Your body is like a machine and needs some exercises all the time.

You can do some simple exercises such as running, dancing, swimming, jogging, jumping, walking and some press up. Also make sure that you get enough sleep and avoid stress like a plague!Solution to Weight gain.Loosing weight can be the hardest thing ever. Many people have tried to do exercises all in vain. If you have been enslaved by fats and already given up in your weight loss, be happy because good news are at your door step now. Ever heard of pure forskolin reviews? You have heard it now. Forskolin will work miracles on that belly fat which has been giving you headaches for centuries.

forskolin plantForskolin (Coleus Forskohlii) is an organic supplement gotten from Ayurvedic plant from mint family member. This plant is native from Asian and for years, it has been linked to having medical value and has been used to treat respiratory and heart disorders. It can treat bronchial asthma, chest pain and high blood pressure. Forskolin has also been liked by many people as weight loss supplement.

How Forskolin works

Forskolin is very effective to burn fats. Forskolin has a material known as Cyclic Andenosine Monophosphate (cAMP). This material is responsible for fatty tissue loss.

Fat tissues in our body are made up of fatty acids. Forskolin works to remove these fatty acids from your body system. It also activates the metabolic reaction in the body so as to convert fatty acid into energy. Therefore, Forskolin ends up reducing the body fats. cAMp also increases the synthesis of even more fatty acids hence this maintains your weight low.

For effective end results, just take 125mg of Forskolin every morning and watch your belly fat finish completely.

Why you should trust Forskolin.

Forskolin weight loss reviews shows that this product is very effective. Those who have tried this product can confirm to you how it miraculously worked on their weight. This product has been scientifically proven beyond reasonable doubts to burn fats. It is also very secure to use with no side effects. It is made of pure organic ingredients with no chemical substances. This products was recently recommended by Dr. Oz. It very effective in weight loss and it burns fats from the inside. Studies also show that Forskolin is very effective and burns fats very fast.Forskolin weight loss reviews shows that this product is very effective even without exercises. It also preserves the lean muscles and you will experience. It also prevents further formation of the fatty cells.You should however, consult your doctor before taking this product. It is always a good idea to consult your physician prior to taking any medication.Conclusion

Those who have been taken captives by fats I highly recommend Forskolin to you. Forskolin will set you free from that weight gain with no hassle. What are you still waiting for? Order this product at a cheap price. We are really concerned about you and we want you to get that body shape you have been dreaming of. Make Forskolin part of you and body fats will be a history to you! Do yourself this one favor.

Correlation of Mortgage Rates With Real Housing Price

Correlation of Mortgage Rates With Real Housing Price

housingbubbleburstMy last post, ‘Correlation of mortgage rates with real housing prices: how increasing inflation could affect housing prices’, raised some questions. I didn’t have the chance to respond to them.

But before I do, let me go back to the original purpose of the article. I asked the question, “What could happen to real estate in the event of higher inflation?” If inflation shot up from 1% to 7%, what would happen to the real value of your home. My thesis was: you’re screwed. You will lose what little equity you have and real housing prices could drop by as high as 50%.

This was in contrast to the central thesis of the book, ‘Irrational Exuberance’, by Robert Shiller. His book included a chart which showed the relationship between home prices, population growth, building costs and interest rates. His chart seems to suggest that housing prices have little correlation to the interest rate. This chart was misleading and hides the real relationship between interest rates and housing prices.

I looked at the same housing data as he did, but from a different perspective, mainly, the change in interest rates with the change of real housing prices. I looked at real vs nominal because there were periods of high inflation in the 70’s during which, looking at nominal inflation would give a very distorted picture.

I also took an average of the three years forward because there is so much variability from year to year as to make the data difficult to interpret. The chart below tells a very convincing story. It doesn’t take a genius to spot a trend. What really got the people going was the mirror image of the nominal rate against the housing prices from. It was so evident some folks suggested I cherry picked the data. Indeed, if asked about home price increases, without looking at interest rates they are only looking at half of the story. I place the start of the bubble in 2003. We had had some substantial housing price increases before then, but the interest rate was falling, so I wasn’t so worried.

After 2003, rates stopped falling. Then, as if to compensate, there were a whole host of affordability products including subprime arms which gave a subprime borrower near prime rates for two years, payment option arms which allowed borrowers 1% neg-am payments, interest only arms which allowed for lower than fixed rate payments and stated income which allowed people to buy more house than they could afford. In 2003, affordability products made up about 10% of my total volume, whereas in 2006, it was up to 65% of my origination book.

The aggregate effect pushed up home prices.

I picked the dates for three reasons. The first was practical. I wanted mortgage rates, and I wanted one source to avoid disruptions. I had Freddie Mac OTCQB:FMCC mortgage rates from 1970 on and that seemed to give me enough data. I felt it important to actually look at the mortgage rate because credit spreads can change and people make pricing decisions based upon affordability, not the general interest rate of treasury bonds. However, if I were to present the same information with long term bond rates, it would look nearly identical.

Second, the graph of the time from 1979 to 1986 was also the most relevant to my thesis because it was a time of rapidly increasing interest rates. I am more interested in what could happen with rapidly increasing rates, and 1977 to 1982 are the perfect example. With small changes to the interest rate, the real housing prices are difficult to predict, but with a large change, it becomes very clear. I am more interested in large changes.

Below, I have looked at the rates vs housing from 1900 to 1970 to make the trends more obvious and to make the dataset complete. First, the effect of changes in interest rates take time to work their way into housing. I showed up to a three year lag from the time that the interest rates change, to the time real housing prices change. Second, we should not use the correlation matrices to forecast next year’s prices. There is a lot of noise and a lot of other things that can have an effect on real housing prices. These interest rate trends take years to play themselves out. In the middle of a boom, we might have some years that prices go in the opposite direction. That should be clear.

But what should also be clear from this data is that going long on housing where inflation, and interest rates are increasing, is not a wise bet. Long term interest rate trends tend to continue for a very long time, so that once interest rates start to rise, it could be a very long climb to the top.

Another criticism of the article was that why worry about inflation in the middle of deflation? Well, I didn’t make that argument. For now I’ll rely on Gonzalo Lira to make that case. I stated in a previous posting on, that it can take over two of years for of decoupling of M2 and GDP growth to lead to inflation.

And even though most experts say inflation is subdued, US import prices have increased by 4.1 percent over last year. Could this be a sign of things to come?

For all you data hounds out there, download the data as I used it.