I always find it interesting how readers find Mortgage Porter.  With the platform for my blog, I’m able to see what words were used for the search engine to point a reader in my direction.   Here are some recent phrases that were used over the last 24 hours:

• Wells Fargo Home Mortgage, what happens if I can’t adhere to my repayment plan?
• How do I figure first mortgage payment due date from closing date?
• is it possible for a woman who had to take chapter 7 to get a low doc loan
• Mortgage Programs that don’t require 4506
• minimum credit score for mortgage
• how much principle paid in ten years on a 30 year mortgage
• Is it ever smart to use a home equity loan to pay off credit card debt
• annual adjustment with 2/5 cap adjusted rate mortgage
• wachovia mortgage pick a pay option
• 24 hr mortgage trigger
• 4506 after closing deal
• amendments to hr 3915
• divorce mortgage

What did we do before the internet and blogs?   

In honor of those who serve our country, Mortgage Master Service Company will be closed on Veteran’s Day.  Mortgage Master will reopen for business as usual on Tuesday, November 13, 2007.

This photo was taken during April of 2004 while our kids were on Spring Break (they’re in front of the Iwo Jima Memorial).

The long run of sunshine is over. That’s right, time to ‘Fall’ back! In case you hadn’t noticed, Daylight Saving Time (DST) was actually extended this year by an entire month–it began earlier last spring and ran longer into this fall. But, alas, all good things must come to an end…and this year Daylight Saving Time ends Sunday, November 4th.

The extra month that we enjoyed was actually the result of the Energy Policy Act, which was enacted by Congress back in 2005. Originally, the bill was written to extend Daylight Saving by two months, but some very verbal opponents fought the change. Farmers say that DST has a negative impact on their livestock in general–as it is tough for them to adapt to the time change, and they consequently produce less milk, eggs, etc. Because DST is not followed uniformly around the world, airlines claim that it might mean many missed international flight connections. Additionally, TV and Cable stations argued that they would lose viewers and advertising revenue, simply due to less time spent in front of the television because of more time spent outdoors in daylight.

So a compromise of one additional month of DST was reached. However, Congress did retain the right to revert back to the old dates if the change proves to be widely unpopular, or if the energy savings aren’t significant.

Why the change?

After making the adjustment to getting up an hour early, Americans overwhelmingly like Daylight Saving Time. There is simply more sunlight in the evenings to enjoy the outdoors and get things done. Additionally, there may be emotional benefits, as we typically feel better with more daylight. Plus, additional hours of daylight can help save energy on a national scale. Less electricity is needed, as fewer lights are turned on as early in the evening…and with energy costs so high, even a small amount of savings is very welcome.

And brighter is safer–studies have shown that the DST shift reduces traffic accidents. An increase in accidents in the dark mornings is more than offset by the evening decrease in accidents, due to the increased visibility gained with more sunlight. Halloween is also arguably safer. Child pedestrian deaths are four times higher on Halloween than any other night of the year. This year, however, trick-or-treaters were able to spend an extra hour gathering treats while it was still light out. Candy manufacturers are happy too, as they’ve lobbied for years to have DST extended through Halloween.

A study by the US Law Enforcement Admin also determined that crime is consistently lower during DST, with violent crimes down as much as 10% to 13%. For many crimes, like mugging, darkness is a factor–so more light in the evening hours reduces these types of crimes.

And throughout its long history, Daylight Saving Time has had a remarkable and sometimes unexpected impact.

A man was actually able to avoid the draft for the Vietnam War using a Daylight Saving Time loophole. When he was born, it was just after midnight, DST. When he was drafted, he successfully argued that in his home state of Delaware, standard time–not DST–was the official time for recording births. So he was technically born on the previous date–which had a much higher draft lottery number – and he was able to avoid being drafted.

In September 1999, the West Bank was on Daylight Saving Time, while Israel had switched back to standard time. A group of West Bank terrorists prepared some timed bombs–but misunderstood the time change–and the bombs exploded early, killing the terrorists themselves, rather than the intended victims–two busloads of innocent citizens.

In the 1950s and 60s, each state and locality was permitted to choose start and end DST dates as they desired. During 1965, Minneapolis and St. Paul–which are considered one metropolitan area–didn’t agree on start dates, and for a period of time, these Twin Cities had a one hour time change between them. And on one Ohio to Virginia bus route, passengers technically had to change their watches seven times in 35 miles!

To keep to their published timetables, Amtrak trains cannot leave a station before the scheduled time. So when the clocks "fall back" in the fall, all trains that are running on time actually stop at 2:00 a.m.–the official time of DST change–and wait one hour before resuming their routes. In the spring, the routes instantaneously become one hour behind schedule, but they just keep going and do their best to make up the time.

So Daylight Saving Time sure can have some unexpected impact–and we’ll all have to be ready early this year.

In particular, be sure to double-check all of your electronic devices and confirm that the time is correct. Although you may be accustomed to your computer and maybe even your digital clock in your car automatically updating, the recent change of dates for Daylight Saving Time may require that these devices be manually changed, as they now may NOT be ready to update to the correct time on the correct date!

Apparently this is a Qwest issue and this will hopefully be resolved soon.  If you’re trying to reach someone at Mortgage Master, please call their cell phone or send an email.    My contact info is under my big mug on the upper left of this blog.

Update:  Our phone lines are up!