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Musical Secrets of High Performance
Musical Secrets of High PerformanceClint Hammond
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Realtor Sales Seminar. Not your average "sit and snooze" class. Highly interactive workshop where you will be in action making calls and getting results with new techniques right away! New Home Sales
New Home SalesClint Hammond
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The document shows a chart of new home sales in the United States from January to June 2012. New home sales started at 339,000 in January and rose each month until peaking at 366,000 in April, then declined each month to 350,000 in June. Overall, new home sales fluctuated between 339,000 and 366,000 during the first half of 2012.Morning Update
Morning UpdateClint Hammond
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Better than expected jobs report. We'll see the highest home loan rates of the year with this mornings first rate sheet. Stay tuned.....If the Fed comes in heavy as a buyer, they may at least stop the bleeding but that's always the wild card any more.Columbia food drive flyer
Columbia food drive flyerClint Hammond
?
This document is requesting donations of non-perishable food and personal care items to benefit Leaphart Place by Growing Homes Southeast. Donations can be dropped off at the Mortgage Network, Inc. Columbia office between November 4th and 18th to support their food drive and help feed the hungry. The proceeds will benefit Leaphart Place by Growing Homes Southeast.Housing Starts on the Rise
Housing Starts on the RiseClint Hammond
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Housing starts data is presented from February to June 2012. The number of housing starts was around 718,000 in February, rose to 747,000 in March, fell slightly to 711,000 in April, increased to 760,000 in May before declining to 706,000 in June. Overall the data shows some fluctuation in housing starts between February and June 2012 but remained around 725,000 on average.Today's Rates; higher still
Today's Rates; higher stillClint Hammond
?
Rates are increasing again according to today's rate sheets. Bond prices are at their lowest point since mid-August 2012. The summary cautions that any rate quote is not locked until a decision is made to move forward, advising the reader to shop loan officers rather than focus only on rates.
The Day Ahead. 2/14/2013
The Day Ahead. 2/14/2013Clint Hammond
?
The bond markets are attempting to hold declining support but wild cards abound that could push prices higher or lower. Treasury bond prices have been grinding into a long-term trendline and are at increasing risk of breaking above or below recent trading ranges. Jobless claims numbers coming out could impact the markets if they miss or beat forecasts. The bond auction scheduled for that afternoon also needs to not have issues in order to avoid breaking support levels. Overall, volatility is likely to continue in the coming days due to various economic reports and overseas factors.The Day Ahead. 2-13-2013
The Day Ahead. 2-13-2013Clint Hammond
?
The document summarizes key economic data and events scheduled for the coming days, including retail sales data on February 13th and a 10-year Treasury auction. It notes that bond markets have been grinding lower against a long-term trendline and are increasingly likely to break higher or lower. The 10-year auction results could cause markets to react more on Thursday depending on whether yields meet expectations.The Day Ahead
The Day AheadClint Hammond
?
The document summarizes the economic calendar and events for the coming week that may impact mortgage rates, with a particular focus on February 12th. It notes that trading volume was low the previous day due to holidays. While market participation is expected to improve with Japan returning, China's markets remain closed. The only significant event mentioned is the 3-year Treasury note auction at 1pm and comments from Fed speaker Esther George, who may provide a hawkish perspective. Overall, the author suggests there will be slightly more economic activity than the previous day but that movements are unlikely without unexpected outcomes from the scheduled events.February 8, 2013; The Day Ahead
February 8, 2013; The Day AheadClint Hammond
?
A major snowstorm hitting the East Coast on Friday was adding uncertainty to the mortgage-backed securities (MBS) markets. With fewer participants than Treasuries and stocks, MBS prices are more susceptible to volatility when events decrease overall participation. If Treasuries hold their ground, MBS prices should remain near intermediate support levels set from prices on Thursday afternoon. Broader bond markets also face recent weakness, leaving Treasury yields little room to rise before facing challenges, making it difficult to find major motivation on Friday.The Day Ahead. 2/7/2013
The Day Ahead. 2/7/2013Clint Hammond
?
The document summarizes the key economic reports and events for the week of February 4th-8th, noting that the main focus will be the ECB announcement on Thursday and initial jobless claims report that morning. It says these data points may see increased volatility and attention if they provide surprises, but otherwise markets have been consolidating awaiting the outcome of the EU summit and Draghi's press conference on potential ECB actions.Day ahead
Day aheadClint Hammond
?
The document summarizes the key economic reports and events for the week of February 4th-8th, noting that the main focus will be the ECB announcement on Thursday and initial jobless claims report that morning. It says these data points may see increased volatility and attention if they provide surprises, but otherwise markets have been consolidating awaiting the outcome of the EU summit and Draghi's press conference on potential ECB actions.Market Update
Market UpdateClint Hammond
?
1) The document provides an economic forecast for early 2013, predicting sluggish growth around 1.5% until mid-year due to fiscal restraints from taxes and spending cuts.
2) Business earnings are also expected to disappoint as growth slows in Europe and China, though the auto industry may see gains from European companies shifting production to the US.
3) The election remains close, with Obama favored but Romney potentially winning enough electoral votes, while recounts could delay final results in some states. Split ticket voting may help Democrats retain control of the Senate.Buy or Rent in Columbia SC? 
Buy or Rent in Columbia SC? Clint Hammond
?
The document is an interactive homeownership calculator from Ginnie Mae that allows users to compare the costs of buying vs renting a home. It provides three examples of calculations with different input values. Even with less than ideal scenarios like only staying 3 years with 0% home appreciation, buying still makes financial sense compared to renting due to tax savings and equity earned over time. The calculator shows that in most housing market conditions, buying a home is likely to provide greater long term savings than continually renting a property.
Tracking Mortgage Bonds
Tracking Mortgage BondsClint Hammond
?
The document summarizes movements in the bond market in March. It notes that bonds hit a high of $103.75 on March 6th before losing steam and starting to get hammered in a blood bath over the next 10 days. By March 20th, mortgage bonds had dropped to a low of $101.625, over 2% below the previous high, representing a jump in offered rates from 3.75% to around 4.375% over less than two weeks. The author locked loans at the current close, as it was around the level where bonds "should be" based on their analysis, and there was a chance of another move higher but also risk in their opinion.The week to come
The week to comeClint Hammond
?
The document provides a summary of important economic reports being released the following week that are relevant to the mortgage and housing industry. Two reports - Pending Home Sales and Chicago PMI - are considered "High Impact" and can significantly impact mortgage rates. The summary lists the report, release date and time, and analysts' estimates for each report.Mortgage Backed Securities
Mortgage Backed SecuritiesClint Hammond
?
The document provides an overview of mortgage-backed securities (MBS) for those unfamiliar with the topic. It explains that MBS are bonds derived from pools of mortgages that have been packaged together. When mortgage loans are originated, they can be sold to investors in the form of MBS. The prices and yields of MBS fluctuate daily based on supply and demand, directly influencing mortgage interest rates.Consumer newsletter the effects of credit score
Consumer newsletter the effects of credit scoreClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or his cell phone 803-422-6797 and at his email chammond@mortgagenetwork.com or website www.Clint-Hammond.com.Consumer newsletter fed reserve and interest rates
Consumer newsletter fed reserve and interest ratesClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or his cell phone 803-422-6797 and his email is chammond@mortgagenetwork.com. Additional contact information and details can be found at his website www.Clint-Hammond.com.Consumer newsletter choosing the right realtor
Consumer newsletter choosing the right realtorClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or cell phone 803-422-6797 and email chammond@mortgagenetwork.com. Additional contact information and details can be found at his website www.Clint-Hammond.com.Marketinsights housing
Marketinsights housingClint Hammond
?
The document discusses the state of the US housing market and argues that now may be a good time to consider investing in housing. It provides the following key points:
1) The US housing market experienced a historic collapse after peaking in 2006, with housing starts, home prices, and construction employment all declining substantially.
2) On various measures like price-to-income and price-to-rent ratios, US home prices are as low as they have been in decades, driven down by falling demand and excess supply during the bust.
3) Housing inventory levels remain elevated but are gradually declining as minimal new construction eats into the stockpile, suggesting prices may rise if demand picks up again.
4Realtor product menu
Realtor product menuClint Hammond
?
Clint Hammond is a certified mortgage planner with NMLS # 71597. He can be reached at his office phone (803) 771-6933 or cell phone (803) 422-6797 and email chammond@mortgagenetwork.com. Additional contact information can be found at his website www.Clint-Hammond.com.
Chart
ChartClint Hammond
?
Compare this to the chart from earlier. We lost a lot in pricing today and rates moved a notch higher. Chart
ChartClint Hammond
?
This document discusses maintaining support at a critical level, noting that the trading range has been fairly tight since mid-October when this level of support stopped significant losses. It warns that borrowing costs would start to increase sharply for borrowers if this support level is broken through and a close occurs below that level.
Blue and Green Illustrative How to Save Water Presentation (1).pptx
Blue and Green Illustrative How to Save Water Presentation (1).pptxhadifaguelai
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The Day Ahead. 2-13-2013
The Day Ahead. 2-13-2013Clint Hammond
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The document summarizes key economic data and events scheduled for the coming days, including retail sales data on February 13th and a 10-year Treasury auction. It notes that bond markets have been grinding lower against a long-term trendline and are increasingly likely to break higher or lower. The 10-year auction results could cause markets to react more on Thursday depending on whether yields meet expectations.The Day Ahead
The Day AheadClint Hammond
?
The document summarizes the economic calendar and events for the coming week that may impact mortgage rates, with a particular focus on February 12th. It notes that trading volume was low the previous day due to holidays. While market participation is expected to improve with Japan returning, China's markets remain closed. The only significant event mentioned is the 3-year Treasury note auction at 1pm and comments from Fed speaker Esther George, who may provide a hawkish perspective. Overall, the author suggests there will be slightly more economic activity than the previous day but that movements are unlikely without unexpected outcomes from the scheduled events.February 8, 2013; The Day Ahead
February 8, 2013; The Day AheadClint Hammond
?
A major snowstorm hitting the East Coast on Friday was adding uncertainty to the mortgage-backed securities (MBS) markets. With fewer participants than Treasuries and stocks, MBS prices are more susceptible to volatility when events decrease overall participation. If Treasuries hold their ground, MBS prices should remain near intermediate support levels set from prices on Thursday afternoon. Broader bond markets also face recent weakness, leaving Treasury yields little room to rise before facing challenges, making it difficult to find major motivation on Friday.The Day Ahead. 2/7/2013
The Day Ahead. 2/7/2013Clint Hammond
?
The document summarizes the key economic reports and events for the week of February 4th-8th, noting that the main focus will be the ECB announcement on Thursday and initial jobless claims report that morning. It says these data points may see increased volatility and attention if they provide surprises, but otherwise markets have been consolidating awaiting the outcome of the EU summit and Draghi's press conference on potential ECB actions.Day ahead
Day aheadClint Hammond
?
The document summarizes the key economic reports and events for the week of February 4th-8th, noting that the main focus will be the ECB announcement on Thursday and initial jobless claims report that morning. It says these data points may see increased volatility and attention if they provide surprises, but otherwise markets have been consolidating awaiting the outcome of the EU summit and Draghi's press conference on potential ECB actions.Market Update
Market UpdateClint Hammond
?
1) The document provides an economic forecast for early 2013, predicting sluggish growth around 1.5% until mid-year due to fiscal restraints from taxes and spending cuts.
2) Business earnings are also expected to disappoint as growth slows in Europe and China, though the auto industry may see gains from European companies shifting production to the US.
3) The election remains close, with Obama favored but Romney potentially winning enough electoral votes, while recounts could delay final results in some states. Split ticket voting may help Democrats retain control of the Senate.Buy or Rent in Columbia SC?
Buy or Rent in Columbia SC? Clint Hammond
?
The document is an interactive homeownership calculator from Ginnie Mae that allows users to compare the costs of buying vs renting a home. It provides three examples of calculations with different input values. Even with less than ideal scenarios like only staying 3 years with 0% home appreciation, buying still makes financial sense compared to renting due to tax savings and equity earned over time. The calculator shows that in most housing market conditions, buying a home is likely to provide greater long term savings than continually renting a property.Tracking Mortgage Bonds
Tracking Mortgage BondsClint Hammond
?
The document summarizes movements in the bond market in March. It notes that bonds hit a high of $103.75 on March 6th before losing steam and starting to get hammered in a blood bath over the next 10 days. By March 20th, mortgage bonds had dropped to a low of $101.625, over 2% below the previous high, representing a jump in offered rates from 3.75% to around 4.375% over less than two weeks. The author locked loans at the current close, as it was around the level where bonds "should be" based on their analysis, and there was a chance of another move higher but also risk in their opinion.The week to come
The week to comeClint Hammond
?
The document provides a summary of important economic reports being released the following week that are relevant to the mortgage and housing industry. Two reports - Pending Home Sales and Chicago PMI - are considered "High Impact" and can significantly impact mortgage rates. The summary lists the report, release date and time, and analysts' estimates for each report.Mortgage Backed Securities
Mortgage Backed SecuritiesClint Hammond
?
The document provides an overview of mortgage-backed securities (MBS) for those unfamiliar with the topic. It explains that MBS are bonds derived from pools of mortgages that have been packaged together. When mortgage loans are originated, they can be sold to investors in the form of MBS. The prices and yields of MBS fluctuate daily based on supply and demand, directly influencing mortgage interest rates.Consumer newsletter the effects of credit score
Consumer newsletter the effects of credit scoreClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or his cell phone 803-422-6797 and at his email chammond@mortgagenetwork.com or website www.Clint-Hammond.com.Consumer newsletter fed reserve and interest rates
Consumer newsletter fed reserve and interest ratesClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or his cell phone 803-422-6797 and his email is chammond@mortgagenetwork.com. Additional contact information and details can be found at his website www.Clint-Hammond.com.Consumer newsletter choosing the right realtor
Consumer newsletter choosing the right realtorClint Hammond
?
Clint Hammond is a certified mortgage planning specialist with license number 71597. He can be reached at his office phone 803-771-6933 or cell phone 803-422-6797 and email chammond@mortgagenetwork.com. Additional contact information and details can be found at his website www.Clint-Hammond.com.Marketinsights housing
Marketinsights housingClint Hammond
?
The document discusses the state of the US housing market and argues that now may be a good time to consider investing in housing. It provides the following key points:
1) The US housing market experienced a historic collapse after peaking in 2006, with housing starts, home prices, and construction employment all declining substantially.
2) On various measures like price-to-income and price-to-rent ratios, US home prices are as low as they have been in decades, driven down by falling demand and excess supply during the bust.
3) Housing inventory levels remain elevated but are gradually declining as minimal new construction eats into the stockpile, suggesting prices may rise if demand picks up again.
4Realtor product menu
Realtor product menuClint Hammond
?
Clint Hammond is a certified mortgage planner with NMLS # 71597. He can be reached at his office phone (803) 771-6933 or cell phone (803) 422-6797 and email chammond@mortgagenetwork.com. Additional contact information can be found at his website www.Clint-Hammond.com.Chart
ChartClint Hammond
?
Compare this to the chart from earlier. We lost a lot in pricing today and rates moved a notch higher. Chart
ChartClint Hammond
?
This document discusses maintaining support at a critical level, noting that the trading range has been fairly tight since mid-October when this level of support stopped significant losses. It warns that borrowing costs would start to increase sharply for borrowers if this support level is broken through and a close occurs below that level.Recently uploaded (20)
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OK, let’s try a short multiple choice quiz now to see how much you remember about the information presented in the previous slides. Click on the best answer—a or b—to complete each statement on the screen. Go ahead now. [PAUSE]
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? Example Week Breakdown
Monday (DSA)
Topic: Arrays
Practice: 3 problems on HackerRank
Watch: 1 video from Aditya Verma or Love Babbar
Tuesday (C++)
Revise: Constructors, Inheritance
Code: Create 2 class-based problems
Wednesday (Web Dev)
Build: Responsive login form
Learn: Media queries + Flexbox
Thursday (Competitive)
Codeforces Division 3 contest
Or solve 3 problems from previous contests
Friday (Project)
Add login feature to your mini app
Push changes to GitHub
Saturday (Revision)
Review weak DSA topic
Summarize 3 key learnings in Notion/Notebook
Sunday (Career/Rest)
Polish your resume
Watch a tech career video or relax
This plan matches your natural rhythm — one major task per day — and still moves you closer to your goal. Would you like a downloadable version of this schedule?
You said:
nope
ChatGPT said:
All right! If you ever want to adjust the schedule or need help with a specific day's task (like which DSA topic to pick or which project to build), just let me know.
Would you like a checklist format for daily tracking instead?
You said:
kya pata yrr
ChatGPT said:
Bilkul sahi — kabhi kabhi confusion hona normal hai, especially jab pressure ho career ka, college ka, aur coding ka bhi. But the fact that you’re thinking seriously about it and showing up here is already a strong step forward.
Let’s simplify it:
? You don’t need to be perfect every day. Just consistent enough.
Even 1 focused hour daily can put you ahead of 90% of people who never even start.
If you're feeling lost, ask yourself:
“Aaj sirf ek chhoti cheez kaunsi kar sakti hoon?”
(e.g., 1 coding problem, 1 YouTube tutorial, 1 GitHub push)
Small steps, every day — that's how people get to places like Adobe, seriously.
Want a motivational story or quote to keep you going today?
You said:
suggest me some other tt
ChatGPT said:
Of course! Here's another simple and flexible weekly timetable where each day has a different focus, but with lightweight commitment (just 1–2 hours). It’s made to reduce pressure and match your "one thing per day" preference.
? Light & Balanced Weekly Timetable (1–2 hrs/day)
Day Focus Area What to Do
Monday ? Data Structures Learn 1 topic (like arrays, linked list) + solve 1–2 easy problems
Tuesday ? C++ Practice Practice OOPs, STL, or 2 simple HackerRank problems
Wednesday ? Web Development Learn or revise HTML/CSS/JS basics — build 1 small UI component
Thursday ? DSA Problem Solving Solve 2–3 medium-level problems from LeetCode/Codeforces
Friday ?? Project Work Work on your portfolio/project for 1–2 hrs (e.g., a to-do app)
Saturday ? Revision + Notes Revise the week’s DSA/web dev + update GitHub or write short notes
Sunday ? Chill Career Growth / Rest Watch a dev vlog, update resume, relax or join a coding contest
?? Tools You Can Use:
DSA: Love Babbar 450 Sheet, Leetcode (use "Top Interview Questions")
C++: HackerRank 30 Days of Code, GeeksforGeeks articles
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