INFO THAT HITS US WHERE WE LIVE
Last week September New Home Sales were reported down 3.6% for single-family units. But the supply of unsold new homes is just 7.5 months and inventories, at 251,000, are down 56.1% from their mid-2006 peak and at their lowest level since 1982. The sales drop followed five straight months of sales increases and some observers felt the decline may have come from more aggressive pricing by sellers, actually a bullish sign for the housing market.
Indeed, the median new home price was UP 2.5% for September, a bigger than usual gain for the time of year. The average price went UP 10.2%, the biggest September rise on record. Finally, the average price of new homes sold -- $282,600 -- was only 1.6% lower than last year. Speaking of prices, the Case-Shiller index reported home prices up in August for the fourth month in a row. The average of the 20 metro areas measured showed a 1.2% gain.
Finally, we had the good news covered in last week's Inside Lending Bulletin that the Senate passed an extension of the first-time homebuyer $8000 tax credit, with higher qualifying income limits and adding a $6500 credit to buyers who have owned their homes at least 5 years. Let's hope the House passes it too. Finally, the House and Senate extended the ability of Fannie Mae, Freddie Mac and the Federal Housing Administration to back conforming loans in high-cost areas, up to $729,750 through all of 2010. These higher limits would have expired at the end of this year.
Review of Last Week
CAUTIOUSLY RECOVERING... The government reported our first quarter of positive economic growth last week, indicating the recovery has begun. Yet investors kept the Dow moving up and down over 100 points four out of the five days, ending the week with a startling 249-point drop. Was this a bull market correction, or the return to a bear market? Who knows? The only thing certain is that investors aren't quite sure the economy is back on track.
Makes you wonder what it will take to convince them. The initial estimate for Q3 real GDP revealed the economy growing at a 3.5% annual rate -- way better than expected and the first rise in GDP in over a year. Happily, most of the advance was driven by consumption. Q3 GDP also showed home building UP at a 23.3% annual rate, its fastest rise since the '80's. Plus, Q3 corporate earnings reported so far show over 80% of the companies beating estimates, the highest rate in history.
On the jobs front, Initial Unemployment Claims dropped and the 4-week moving average hit a new low in the recovery of 526,000. Continuing Claims fell to 5.8 million. Positive news also included Durable Goods Orders UP for September, their fourth boost in six months. Most impressive of all, the Chicago PMI measuring Midwest manufacturing, shot up to its highest level in over a year. And the Richmond Fed index for Mid-Atlantic manufacturing logged its sixth straight month in expansion territory. All are favorable signs for U.S. manufacturing.
For the week, the Dow finished down 2.6%, to 9712.73; the S&P 500 was down 4.0%, to 1036.19; while the Nasdaq fell 5.1%, to 2045.11.
The bond market closed the week with a rally, helped in no small measure by the slide in stocks. The FNMA 30-year 4.5% bond we watch ended up from the previous week's close, finishing at $101.19. Mortgage rates inched up a bit but remain in historically low territory. For this year, the Freddie Mac survey of mortgage rates reported its lowest 10-month average going back to 1971.
This Week’s Forecast
FOCUS ON THE FED... Almost no one expects a rate change coming out of this week's Fed meeting, but economists will be looking at the Fed policy statement for any signs of when things may change. Other items of interest this week include Pending Home Sales on Monday and Friday's Employment Report, where we'll search for signs of a turnaround on the jobs front.
The Week’s Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Monday, November 2, 2009
Last Week in the News
Last Week in the News
The Commerce Department announced that gross domestic product — the total output of goods and services produced in the U.S. — increased at an annual rate of 3.5% in the third quarter of 2009. The rebound ended four consecutive quarters of contracting economic activity, the longest period of decline since quarterly records began in 1947.
The Conference Board reported that its consumer confidence index fell to 47.7 in October from a revised 53.4 in September. Economists had expected a reading of 53.5. The index was benchmarked at 100 in 1985, a year chosen because it was neither a peak nor a trough in consumer confidence.
The Standard & Poor’s/Case-Shiller 20-city housing price index rose 1% in August. It was the third consecutive monthly gain and follows a 1.2% increase in July.
Orders for durable goods — items expected to last three or more years — rose 1% in September after falling a revised 2.6% in August. Among the areas of strong growth were orders for heavy machinery, up 7.9%, the best showing since an 8.5% increase in March 2008.
The Commerce Department reported new home sales fell 3.6% in September to a seasonally adjusted annual rate of 402,000 from a downwardly revised rate of 417,000 in August. It was the first decline since March.
Initial claims for unemployment benefits rose by 1,000 to 530,000 in the week ending October 24. The figure was higher than the 525,000 that economists had forecast. The number of people continuing to claim jobless benefits in the week ending October 17 fell by 148,000 to 5.8 million.
Upcoming on the economic calendar are reports on construction spending and pending home sales on November 2, factory orders on November 3 and wholesale trade on November 6.
The Commerce Department announced that gross domestic product — the total output of goods and services produced in the U.S. — increased at an annual rate of 3.5% in the third quarter of 2009. The rebound ended four consecutive quarters of contracting economic activity, the longest period of decline since quarterly records began in 1947.
The Conference Board reported that its consumer confidence index fell to 47.7 in October from a revised 53.4 in September. Economists had expected a reading of 53.5. The index was benchmarked at 100 in 1985, a year chosen because it was neither a peak nor a trough in consumer confidence.
The Standard & Poor’s/Case-Shiller 20-city housing price index rose 1% in August. It was the third consecutive monthly gain and follows a 1.2% increase in July.
Orders for durable goods — items expected to last three or more years — rose 1% in September after falling a revised 2.6% in August. Among the areas of strong growth were orders for heavy machinery, up 7.9%, the best showing since an 8.5% increase in March 2008.
The Commerce Department reported new home sales fell 3.6% in September to a seasonally adjusted annual rate of 402,000 from a downwardly revised rate of 417,000 in August. It was the first decline since March.
Initial claims for unemployment benefits rose by 1,000 to 530,000 in the week ending October 24. The figure was higher than the 525,000 that economists had forecast. The number of people continuing to claim jobless benefits in the week ending October 17 fell by 148,000 to 5.8 million.
Upcoming on the economic calendar are reports on construction spending and pending home sales on November 2, factory orders on November 3 and wholesale trade on November 6.
Senate Said Yes! How about the House? Extend Homebuyer Tax Credit
Senators Agree to Extend Homebuyer Tax Credit
Legislation Pending Approval From Congress
Senators have agreed to extend the $8,000 first-time homebuyer tax credit originally set to expire on November 30. Once the Senate officially votes on the bill it will move to the House of Representatives, which strongly supports the extension. The Obama administration has also signaled its strong support for an extension of the tax credit.
Aside from the first-time homebuyer credit, the new plan would offer a $6,500 credit for repeat or move-up homebuyers who have lived in their primary residence for five years or more. The tax credits would be available to buyers who sign purchase agreements on a new or existing primary residence between December 1, 2009 and April 30, 2010. Buyers would have until June 30 to close on their new homes.
There is an $800,000 price limit on all homes eligible for the credit. The income limits for all buyers would rise to $125,000 per year for individuals and $225,000 for married couples. Under the current program, the limits are $75,000 and $150,000 respectively. The first-time homebuyer credit is also available to those who have not owned a home in the previous three years. The credit does not have to be repaid unless the home is sold or ceases to be the primary residence within three years.
According to the Treasury Department, more than 1.2 million borrowers have claimed $8.5 billion of the $13.6 billion set aside for the first-time homebuyer tax credit.
Please be advised that this legislation has not yet passed, but I will be sure to keep you informed as it moves through Congress toward approval. I’m committed to meeting your home financing needs.
Legislation Pending Approval From Congress
Senators have agreed to extend the $8,000 first-time homebuyer tax credit originally set to expire on November 30. Once the Senate officially votes on the bill it will move to the House of Representatives, which strongly supports the extension. The Obama administration has also signaled its strong support for an extension of the tax credit.
Aside from the first-time homebuyer credit, the new plan would offer a $6,500 credit for repeat or move-up homebuyers who have lived in their primary residence for five years or more. The tax credits would be available to buyers who sign purchase agreements on a new or existing primary residence between December 1, 2009 and April 30, 2010. Buyers would have until June 30 to close on their new homes.
There is an $800,000 price limit on all homes eligible for the credit. The income limits for all buyers would rise to $125,000 per year for individuals and $225,000 for married couples. Under the current program, the limits are $75,000 and $150,000 respectively. The first-time homebuyer credit is also available to those who have not owned a home in the previous three years. The credit does not have to be repaid unless the home is sold or ceases to be the primary residence within three years.
According to the Treasury Department, more than 1.2 million borrowers have claimed $8.5 billion of the $13.6 billion set aside for the first-time homebuyer tax credit.
Please be advised that this legislation has not yet passed, but I will be sure to keep you informed as it moves through Congress toward approval. I’m committed to meeting your home financing needs.
Breaking News! Not Voted Yet But Soon!
Breaking News
According to the Associated Press, Senators have agreed to extend the tax credit for first-time homebuyers and to offer a reduced credit to some repeat buyers.
Reportedly, Senators agreed to extend the existing tax credit for first-time homebuyers while offering a reduced credit of up to $6,500 to buyers who have owned their current homes for at least five years.
The tax credits would be available to buyers who sign sales agreements by the end of April 2010. They would have until the end of June to close on their new homes.
This is a preliminary report, details and conditions may change as the legislation becomes finalized. We will give more details as they become available.
Thank you and please call if we can be of service.
According to the Associated Press, Senators have agreed to extend the tax credit for first-time homebuyers and to offer a reduced credit to some repeat buyers.
Reportedly, Senators agreed to extend the existing tax credit for first-time homebuyers while offering a reduced credit of up to $6,500 to buyers who have owned their current homes for at least five years.
The tax credits would be available to buyers who sign sales agreements by the end of April 2010. They would have until the end of June to close on their new homes.
This is a preliminary report, details and conditions may change as the legislation becomes finalized. We will give more details as they become available.
Thank you and please call if we can be of service.
Thursday, October 29, 2009
Quotes!
"When written in Chinese, the word 'crisis' is composed of two
characters - one represents danger and the other represents
opportunity."
-- John F. Kennedy, 35 President of the United States
"Nobody grows old by merely living a number of years. People grow old by
deserting their ideals. You are as young as your faith, as old as your
doubt; as young as your self-confidence, as old as your fear; as young
as your hope, as old as your despair."
-- Douglas MacArthur, General
"Feedback is the breakfast of champions."
-- Rick Tate
"A man cannot leave a better legacy to the world than a well-educated
family."
-- Thomas Scott
"Motivation is everything. You can do the work of two people, but you
can't be two people. Instead, you have to inspire the next guy down the
line and get him to inspire his people."
-- Lee Iacocca, Auto Executive
"Who begins too much accomplishes little."
-- German Proverb
"Success in business requires training and discipline and hard work. But
if you're frightened by these things, the opportunities are just as
great today as they ever were."
-- David Rockefeller, American Banker
"A journey of a thousand miles begins with a single step."
-- Chinese Proverb
"Life begins when you do."
-- Hugh Downs, American Brodcaster
"You'll always miss 100% of the shots you don't take."
-- Wayne Gretzky, Hockey Player
"The key is not to prioritize what is on the schedule, but to schedule
your priorities."
-- Stephen Covey, Author and Speaker
"When patterns are broken, new worlds emerge."
-- Tuli Kupferberg, Author
"All things are difficult before they are easy."
-- John Norley
"Luck is what happens when preparation meets opportunity."
-- Darrell Royal
"As I grow older, I pay less attention to what men say. I just watch
what they do."
-- Andrew Carnegie, Industrialist
"Choose a job you love, and you will never have to work a day in your
life."
-- Confucius, Philosopher
"Do the thing you fear, and the death of fear is certain."
-- Ralph Waldo Emerson, Poet
"Just as iron rusts from disuse, even so does inaction spoil the
intellect."
-- Leonardo da Vinci, Artist
"Our chief want in life is somebody who will make us do what we can."
-- Ralph Waldo Emerson, Poet
"Faith is taking the first step even when you don't see the staircase."
-- Martin Luther King, Jr., civil rights leader
"The miracle is this - the more we share, the more we have."
-- Leonard Nimoy, Actor
"You can't build a reputation on what you're going to do."
-- Henry Ford, Founder of the Ford Motor Company
"Vision without action is a daydream. Action without vision is a
nightmare."
-- Japanese Proverb
"The ability to simplify means to eliminate the unnecessary so that the
necessary may speak."
-- Hans Hoffmann
"Knowing is not enough; we must apply. Wishing is not enough; we must do."
-- Johann Wolfgang Von Goethe, Author
"Swing hard, in case they throw the ball where you're swinging."
-- Duke Snider, Baseball Player
"Envisioning the end is enough to put the means in motion."
-- Dorothea Brande, Writer
"Once you replace negative thoughts with positive ones, you'll start
having positive results."
-- Willie Nelson, Musician
"Self-respect is the fruit of discipline; and the sense of dignity grows
with the ability to say not to oneself."
-- Abraham Joshua Heschel, Leading Jewish theologian of the 20th century
characters - one represents danger and the other represents
opportunity."
-- John F. Kennedy, 35 President of the United States
"Nobody grows old by merely living a number of years. People grow old by
deserting their ideals. You are as young as your faith, as old as your
doubt; as young as your self-confidence, as old as your fear; as young
as your hope, as old as your despair."
-- Douglas MacArthur, General
"Feedback is the breakfast of champions."
-- Rick Tate
"A man cannot leave a better legacy to the world than a well-educated
family."
-- Thomas Scott
"Motivation is everything. You can do the work of two people, but you
can't be two people. Instead, you have to inspire the next guy down the
line and get him to inspire his people."
-- Lee Iacocca, Auto Executive
"Who begins too much accomplishes little."
-- German Proverb
"Success in business requires training and discipline and hard work. But
if you're frightened by these things, the opportunities are just as
great today as they ever were."
-- David Rockefeller, American Banker
"A journey of a thousand miles begins with a single step."
-- Chinese Proverb
"Life begins when you do."
-- Hugh Downs, American Brodcaster
"You'll always miss 100% of the shots you don't take."
-- Wayne Gretzky, Hockey Player
"The key is not to prioritize what is on the schedule, but to schedule
your priorities."
-- Stephen Covey, Author and Speaker
"When patterns are broken, new worlds emerge."
-- Tuli Kupferberg, Author
"All things are difficult before they are easy."
-- John Norley
"Luck is what happens when preparation meets opportunity."
-- Darrell Royal
"As I grow older, I pay less attention to what men say. I just watch
what they do."
-- Andrew Carnegie, Industrialist
"Choose a job you love, and you will never have to work a day in your
life."
-- Confucius, Philosopher
"Do the thing you fear, and the death of fear is certain."
-- Ralph Waldo Emerson, Poet
"Just as iron rusts from disuse, even so does inaction spoil the
intellect."
-- Leonardo da Vinci, Artist
"Our chief want in life is somebody who will make us do what we can."
-- Ralph Waldo Emerson, Poet
"Faith is taking the first step even when you don't see the staircase."
-- Martin Luther King, Jr., civil rights leader
"The miracle is this - the more we share, the more we have."
-- Leonard Nimoy, Actor
"You can't build a reputation on what you're going to do."
-- Henry Ford, Founder of the Ford Motor Company
"Vision without action is a daydream. Action without vision is a
nightmare."
-- Japanese Proverb
"The ability to simplify means to eliminate the unnecessary so that the
necessary may speak."
-- Hans Hoffmann
"Knowing is not enough; we must apply. Wishing is not enough; we must do."
-- Johann Wolfgang Von Goethe, Author
"Swing hard, in case they throw the ball where you're swinging."
-- Duke Snider, Baseball Player
"Envisioning the end is enough to put the means in motion."
-- Dorothea Brande, Writer
"Once you replace negative thoughts with positive ones, you'll start
having positive results."
-- Willie Nelson, Musician
"Self-respect is the fruit of discipline; and the sense of dignity grows
with the ability to say not to oneself."
-- Abraham Joshua Heschel, Leading Jewish theologian of the 20th century
Monday, October 26, 2009
Quotes!
"Happiness is not a goal; it is a by-product."
-- Eleanor Roosevelt, Former First Lady
"The unexamined life is not worth living."
-- Socrates
"The quality of our expectations determines the quality of our actions."
-- Andres Godin
"If you're not having problems, you are missing an opportunity for growth."
-- Anonymous
"Constant effort and frequent mistakes are the stepping stones to genius."
-- Elbert Hubbard, American Writer
"No great thing is created suddenly."
-- Epictetus, philosopher
"There is a time to let things happen and a time to make things happen."
-- Hugh Prather
"If you can find a path with no obstacles, it probably doesn't lead anywhere."
-- Frank A. Clark
"Destiny is not a matter of chance, it's a matter of choice; it is not a
thing to be waited for, it is a thing to be achieved."
-- William Jennings Bryan, 41st United States Secretary of State
"In order for you to profit from your mistakes, you have to get out and
make some."
-- Anonymous
"All the problems of the world could be settled easily if men were only
willing to think."
-- Thomas J. Watson, Former President of IBM
"The best time to plant a tree was 20 years ago. The next best time is now."
-- Chinese Proverb
"Today I will do what others won't, so tomorrow I can accomplish what
others can't."
-- Jerry Rice, Football Player
"Going into business for yourself, becoming an entrepreneur, is the
modern-day equivalent of pioneering on the old frontier."
-- Paula Nelson
"A pessimist sees the difficulty in every opportunity; an optimist sees
the opportunity in every difficulty."
-- Winston Churchill, British prime minister
"A good manager is a man who isn't worried about his own career but
rather the careers of those who work for him."
-- H.S.M. Burnes
"The purpose of our lives is to give birth to the best which is within us."
-- Marianne Williamson, Author and Spiritual Activist
"Bottom line: if you show a genuine interest in learning about how
others became successful, you can open up a world of opportunities."
-- Armstrong Williams, Political Commentator
"The harder you work, the harder it is to surrender."
-- Vince Lombardi
"Wake up with a smile and go after life... live it, enjoy it, taste it,
smell it, feel it."
-- Joe Knapp
-- Eleanor Roosevelt, Former First Lady
"The unexamined life is not worth living."
-- Socrates
"The quality of our expectations determines the quality of our actions."
-- Andres Godin
"If you're not having problems, you are missing an opportunity for growth."
-- Anonymous
"Constant effort and frequent mistakes are the stepping stones to genius."
-- Elbert Hubbard, American Writer
"No great thing is created suddenly."
-- Epictetus, philosopher
"There is a time to let things happen and a time to make things happen."
-- Hugh Prather
"If you can find a path with no obstacles, it probably doesn't lead anywhere."
-- Frank A. Clark
"Destiny is not a matter of chance, it's a matter of choice; it is not a
thing to be waited for, it is a thing to be achieved."
-- William Jennings Bryan, 41st United States Secretary of State
"In order for you to profit from your mistakes, you have to get out and
make some."
-- Anonymous
"All the problems of the world could be settled easily if men were only
willing to think."
-- Thomas J. Watson, Former President of IBM
"The best time to plant a tree was 20 years ago. The next best time is now."
-- Chinese Proverb
"Today I will do what others won't, so tomorrow I can accomplish what
others can't."
-- Jerry Rice, Football Player
"Going into business for yourself, becoming an entrepreneur, is the
modern-day equivalent of pioneering on the old frontier."
-- Paula Nelson
"A pessimist sees the difficulty in every opportunity; an optimist sees
the opportunity in every difficulty."
-- Winston Churchill, British prime minister
"A good manager is a man who isn't worried about his own career but
rather the careers of those who work for him."
-- H.S.M. Burnes
"The purpose of our lives is to give birth to the best which is within us."
-- Marianne Williamson, Author and Spiritual Activist
"Bottom line: if you show a genuine interest in learning about how
others became successful, you can open up a world of opportunities."
-- Armstrong Williams, Political Commentator
"The harder you work, the harder it is to surrender."
-- Vince Lombardi
"Wake up with a smile and go after life... live it, enjoy it, taste it,
smell it, feel it."
-- Joe Knapp
H1N1: Information is the Best Defense!
Despite predictions from researchers at Purdue University that the H1N1 outbreak will peak this week, the reality is that it won't be going away any time soon. Let's not forget that the news is filled with shortages of the vaccine, as the number of H1N1 cases continues to surge across the country. And federal officials have warned that a second, larger outbreak could occur in early January.
The reality is that the best way to stop the spread of H1N1 is to know the symptoms and to take steps to protect yourself-and others-from it. The following information can help.
What are the symptoms of H1N1... and how are they different from the common cold?
Symptom
1-Cold
2-H1N1 Flu
Fever
1-Fever is rare with a cold.
2-Fever is usually present with the flu in up to 80% of all flu cases. A temperature of 100°F or higher for 3 to 4 days is associated with the flu.
Coughing
1-A hacking, productive (mucus- producing) cough is often present with a cold.
2-A non-productive (non-mucus producing) cough is usually present with the flu (sometimes referred to as dry cough).
Aches
1-Slight body aches and pains can be part of a cold.
2-Severe aches and pains are common with the flu.
Stuffy Nose
1-Stuffy nose is commonly present with a cold and typically resolves spontaneously within a week.
2-Stuffy nose is not commonly present with the flu.
Chills
1-Chills are uncommon with a cold.
2-60% of people who have the flu experience chills.
Tiredness
1-Tiredness is fairly mild with a cold.
2-Tiredness is moderate to severe with the flu.
Sneezing
1-Sneezing is commonly present with a cold.
2-Sneezing is not common with the flu.
Sudden Symptoms
1-Cold symptoms tend to develop over a few days.
2-The flu has a rapid onset within 3-6 hours. The flu hits hard and includes sudden symptoms like high fever, aches and pains.
Headache
1-A headache is fairly uncommon with a cold.
2-A headache is very common with the flu, present in 80% of flu cases.
Sore Throat
1-Sore throat is commonly present with a cold.
2-Sore throat is not commonly present with the flu.
Chest Discomfort
1-Chest discomfort is mild to moderate with a cold.
2-Chest discomfort is often severe with the flu.
If you think you have the H1N1 flu, you should take a few common-sense steps to protect your friends, family members, and coworkers. For instance, if you feel sick, stay home until you feel better and have gone at least 24 hours without relying on medicine to break your fever.
In addition, wash your hands, linens, dishes, and so on thoroughly. And cover your mouth and nose with a tissue when you cough or sneeze--and then throw the tissue away immediately. Finally, if you have to share a small space with other people, consider wearing a facemask to help make sure you don't spread the flu to the people around you.
Follow these steps and monitor your symptoms to help stop the spread of H1N1...and remain happy and healthy!
The reality is that the best way to stop the spread of H1N1 is to know the symptoms and to take steps to protect yourself-and others-from it. The following information can help.
What are the symptoms of H1N1... and how are they different from the common cold?
Symptom
1-Cold
2-H1N1 Flu
Fever
1-Fever is rare with a cold.
2-Fever is usually present with the flu in up to 80% of all flu cases. A temperature of 100°F or higher for 3 to 4 days is associated with the flu.
Coughing
1-A hacking, productive (mucus- producing) cough is often present with a cold.
2-A non-productive (non-mucus producing) cough is usually present with the flu (sometimes referred to as dry cough).
Aches
1-Slight body aches and pains can be part of a cold.
2-Severe aches and pains are common with the flu.
Stuffy Nose
1-Stuffy nose is commonly present with a cold and typically resolves spontaneously within a week.
2-Stuffy nose is not commonly present with the flu.
Chills
1-Chills are uncommon with a cold.
2-60% of people who have the flu experience chills.
Tiredness
1-Tiredness is fairly mild with a cold.
2-Tiredness is moderate to severe with the flu.
Sneezing
1-Sneezing is commonly present with a cold.
2-Sneezing is not common with the flu.
Sudden Symptoms
1-Cold symptoms tend to develop over a few days.
2-The flu has a rapid onset within 3-6 hours. The flu hits hard and includes sudden symptoms like high fever, aches and pains.
Headache
1-A headache is fairly uncommon with a cold.
2-A headache is very common with the flu, present in 80% of flu cases.
Sore Throat
1-Sore throat is commonly present with a cold.
2-Sore throat is not commonly present with the flu.
Chest Discomfort
1-Chest discomfort is mild to moderate with a cold.
2-Chest discomfort is often severe with the flu.
If you think you have the H1N1 flu, you should take a few common-sense steps to protect your friends, family members, and coworkers. For instance, if you feel sick, stay home until you feel better and have gone at least 24 hours without relying on medicine to break your fever.
In addition, wash your hands, linens, dishes, and so on thoroughly. And cover your mouth and nose with a tissue when you cough or sneeze--and then throw the tissue away immediately. Finally, if you have to share a small space with other people, consider wearing a facemask to help make sure you don't spread the flu to the people around you.
Follow these steps and monitor your symptoms to help stop the spread of H1N1...and remain happy and healthy!
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