Happy New Year! The new decade is off to a fast start for us all. With geopolitical concerns and the news of the coronavirus outbreak in China money has poured into the bond market and put downward pressure on our interest rates. Even though we are all very busy writing loans and running our businesses it is important to take time and engage in activities that can help us grow both personally and professionally. The Minnesota Mortgage Association is in the process of putting together some fantastic programming for you throughout the year. Our January breakfast meeting featured a great presentation titled “The Power of Questions Based Planning”. In February we will have a presentation Cyber Security and March an economic forecast. Be sure to invest your time into these events. I hope to see you there.