realestatemarketingthisweek.com – The ancient policy no longer apply and Suze Ormond should know that. – Part 7 – We have Dan Havey the author of Real Estates Future in the studio today. Michael, I was just curious, back when I got into the industry many, many years ago there used to be a rule of thumb that if you were going to refinance you had to lower your interest rate by at least two percent and I know as time went along and products changed that really became unnecessary, but I am just curious in todays mortgage market its a lot different than we were dealing with even two years ago. Is that still right that there is a 2% rule? Whats going on now? I happened to catch Suze Orman on television and she was talking about mortgages, the caller who called in to the program, the question became I believe akin to what Dan just questioned, her note was that basically if you’re in 6% interest rate or above now is the time to re-fi. That is what she said, a blanket recommendation. I know a lot of people place a lot of credence into what she says, maybe you could speak to that, the lowest interest rates you’ve seen in your career, you have been doing this for a while. I have, and they are. You know there was a lot of speak the last couple weeks about the Fed, the Fed assets rate by the way is the lowest it’s ever been in history. As of this week the money off rate is to the point that banks are lending money to each other at nothing, the Fed assets rate for intrabank lending is at zero …