We are DOWN....MORE THAN I THOUGHT!

Kudos to Larry Yatter for being first out with the numbers.

We are down almost 1% -error it is in fact down -4.6% from April in the detached Average. (hat tip VREA)

If we continue down, then the 'divergent high' theory I posted before will be in play. That is prices rise, but in a smaller area and with lower sales - much as you would see in the final topping process of a stock.

As for the Bank of Canada, they did the deed. + 0.25%. But don't expect a lot more this year, see my comments to the previous post.

Inventory is important.

MOI is important.

Listings growth is important

But price trumps everything....

"Vintage" Jelly Roll Dress

I hope that you all had a lovely Memorial Day Weekend. Ours was very "eventful." Nothing how we planned it:o) Of course things never are;o) I had plans to do all sorts of crafty things on Saturday, but my hip went out, so I spent most of the day laid up in bed while the hubs "watched" the children...let's just say that chocolate milk was involved and I wish that we had had padded walls at the time;o) Anyway, before the ole hip decided to go berserk, I was able to make S.R. a precious little jelly roll dress. The fabric is pictured here in this post. Vintage was the name....and I LOVE IT! I wanted her to have a special dress for her cousin's graduation, so I decided to finally make a dress out of the jelly roll that has been sitting in my craft room ever so patiently awaiting the day it would become something Fan-Tab-U-Lous...

I think it turned out so sweet. My little darlin' just loved her new dress. She had to try the dress on several times for me to make sure everything was fitting properly. The last time I had her put it on was for me to figure out how much to take up the bottom for the hem...she had a conniption fit when I had her take it off...it was UGLY. She didn't want any part of taking off her new pretty dress. Needless to say, I did get it off of her and did get it hemmed. She is so proud of this dress and so am I;o)

The back view...aren't those little curls the sweetest??? That's the only thing she got from me;o)

The blue blur in the photo was a toy being dropped. She likes to be on the move, so catching a shot where she is still is near impossible.

The matching head band. She really liked this too. I think she's catching on....accessorize, accessorize, accessorize;o).

Another shot of those curls....LURVE IT!

Have you used a jelly roll lately? I would love to hear and see what you have come up with:o)

All eyes on the Bank of Canada

With GDP YOY growth at over 6%, the highest of the developed countries.

With the jump in personal debt spurred by zero rates.

With the bubble in housing across Canada, not just in Vancouver.

Will Carney and his band have the balls increase 0.25% tomorrow? Remembering that neutral would be nearer 3%

6.1%

Malaysia Best Rates 2010 May 26 update

1 month Fix Deposit

Generally now banks are offering 2.50%. Affin bank offers highest rate at 2.55%. However, there are still a few banks offer lower rate than 2.5%. JP Morgan is still offering the lowest at 2.0%

1 year Fix Deposit

Highest offered rates is 3.05% by Affin Bank; followed by 3.0% from AmBank, Bank of Tokyo-Mitsubishi UFJ and RHB Bank.

Base Lending Rate

Most local banks stand at 6.05% now with JP Morgan offers the lowest at 5.65%.

Saving Accounts

Bank Islam offers 1.35% through its Mudharabah and Pewani ( for women above 18 years old ). Women can enjoy up to 1.58% in Pewani saving account if saving is more than RM 5,000.

CIMB's Air Asia Savers Account offers 1.2%.

Don't forget you can get a simple widget

like above to show on your blog / web site.

Just visit here to see how.

Car Loan : NEW Car

Maybank continues to offer the lowest car loan rate starting from 2.7%. However, this is NOT a standard rate apply to all applicants. The actual rate can range up to 4.3%.

Bank Muamalat offers 2.85% for both New and Used cars but it requires an admin charges of RM600.

Most other banks rates offer are 3.25% for New cars.

Car Loan : Used Car

Bank Muamalat offers 2.85% but requires admin charges of RM600.

CIMB offers 3.25% used car loan rate.

Don't forget Car Loan rate is Fix Term Rate

which is effectively a MUCH HIGHER

than variable term rate

like House Loan and Fix Deposit.

House Loan

Affin remains as the best house loan offer at BLR - 2.3%.

Standard Chartered offers BLR - 2.25%

Multi-tiers house loan offers are excluded because it would be impossible to simplify their pro and cons without knowing the actual details of your particular loan details. Hence, only simple and straight forward house loan offers are compared.

Cherry Outfit

Here it is. Remember me telling you the other day that I visited a high end children's clothing store and found the CA-UTEST cherry outfit. Remember I said it was over $70? Well this is my version. It's not exactly the same, but it's close enough. I had a pattern that would have matched perfectly, but S.R. is 2 inches too tall for that pattern...my lil girl is growin' up:o( So I used another pattern I had on hand. I LOVE how it turned out.

Since the fabric is so thin, I made pants instead of capris. I think the ruffles are so sweet. 

 To make the cherries, I ironed on some stabilizer to red fabric, used a circle stencil, cut them out, and appliqued them onto the fabric. I used itty bitty ric rac for the stems.

When we were in the store, S.R. loved the bow on the front of the other shirt, so I had to make sure I put it on this one:o) I really wanted cherry buttons, but Walmart didn't have any, and I was too lazy to drive around town looking for some, so I used green buttons that I already had. Here's a close up of the medium ric rac.

While shopping at a consignment store the other day, I ran across this hairbow and had to purchase it.

Can we say perfect???

Speaking of hairbows, check out these sweet little things...

Are those not the cutest things??? Thank you Sheila!!! Now I have to make froggy outfits for S.R. That doesn't hurt my feelings one bit;o)

California Dreaming...

Super Cape for a Thomas the Train Lover

Well I survived the weekend. All I can say is WOW! I am sooooo glad that it's Monday. There may be a few of you out there that are saying to yourself, "What is she thinking???" Just trust me:o)This week is so much slower paced than the past 2 weeks have been. So now I will be able to post more for those of you who have nothing better to do at work;o)
So here is the super cape for the  sweet little boy across the street. He LOVES Thomas, so I figured I would use Thomas fabric. I will have to say, I think this is the best super cape I have made thus far. Not to brag or anything;o)

I finally figured out how wide to make the zig zag stitches to make it look really clean. I think it was 0.3mm x 4.5 mm...something like that. Anywho...it took me a while to get his name on the yellow fabric b/c my machine only embroiders a 4"x4" surface area. Stinks, but I am grateful for my Brother(machine that is...I am grateful for my real bro. too):o)

Just your basic red fabric for the interior with a velcro enclosure. I think his mother was more impressed with the cape than he was;o) E was the same way. It took him a year before he would wear his:o) I got him to model Stephen's cape for you guys:o)

 Sportin' the Buzz Lightyear jammies. He LOVES those things...thinkin' Ima gonna have to go get him some more...just in case he goes thru ANOTHER growth spurt.
I can not WAIT to share with you S.R.'s new outfit I made for her in tomorrow's post. I. LOVE. IT!! And I found a matching hair bow on Saturday. EEK!