the utilities savings more than make up for the increase in your monthly mortgage.

Every year, like clockwork, the utilities have come back and said 'We need an increase, we need and increase, we need and increase,' ... We are rather demanding now that you fulfill your responsibility to keep these guys in line.

Compared to the 30-year fixed mortgage, the 40-year fixed mortgage offers monthly loan payments that would be less than a 30-year mortgage on the same house.

Behind these monthly fluctuations, mortgage lending is on a stable trend, though not as high as 2004 levels.

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This is the fourth consecutive monthly increase in manufacturing output and confirms that a manufacturing cyclical rebound is finally underway.