Mortgage Rates Surpass 6% For First Time October 2008 (2024)

Breaking

14 minutes ago

Oscar's 2024 Preview: Protests, Actress Showdown, Possible ‘Oppenheimer’ Record, More

1 hour ago

Netanyahu Rejects Biden’s Criticism: Says Most Israelis Support Him

4 hours ago

Chaos In Haiti: U.S. Evacuates Embassy As Gangs Take Over Parts Of Capital

4 hours ago

Katie Britt Says She Knew Sex-Trafficking Incident Didn’t Happen Under Biden

5 hours ago

Trump Attacks E. Jean Carroll Again—Running Risk Of Another Defamation Suit

5 hours ago

Biden-Trump Gaffe Tracker: Key Blunders From The 2024 Presidential Campaign

21 hours ago

Katie Britt Accused Of Misleading Story In State Of The Union Response: What To Know

+1 day ago

Justice Department Opens Criminal Investigation Into Alaska Airlines Door Blowout, Report Says

+1 day ago

Cheese Recalled In 15 States Over Listeria Concerns

+1 day ago

National Guard Now Patrolling NYC Subway: Here’s What It Looks Like (Photos)

+1 day ago

Trump Scores New Billionaire Donors As Campaign Seeks Badly Needed Cash, Report Says

+1 day ago

Mega Millions Jackpot Hits $735 Million: Here’s What The Winner Would Take Home After Taxes

+1 day ago

Here’s Why Gold Is At A Record High Despite Strong U.S. Stock Market And Economy

+1 day ago

What Is ‘Chroming’? UK Boy Dies After Participating In ‘Dangerous’ Social Media Challenge

+1 day ago

Senate Passes Crucial Spending Bill To Avert Partial Government Shutdown

+1 day ago

Ratings Soar For Biden’s State Of The Union—More Than 32 Million Watched Address

+1 day ago

Sam Altman To Rejoin OpenAI Board After Fallout, Report Says

+1 day ago

Lawmaker Proposes Rule To Ban Expelled House Members After George Santos’ SOTU Appearance

+1 day ago

No Labels Considering Georgia Republican Geoff Duncan As Presidential Candidate, Report Says

+1 day ago

Who Is Midnight Blizzard? Russian-Linked Group Has Repeatedly Targeted Microsoft, Company Says

14 minutes ago

Oscar's 2024 Preview: Protests, Actress Showdown, Possible ‘Oppenheimer’ Record, More","scope":{"topStory":{"index":1,"title":"Oscar's 2024 Preview: Protests, Actress Showdown, Possible ‘Oppenheimer’ Record, More","image":"https://specials-images.forbesimg.com/imageserve/65ee0bd926013755c6f05c19/0x0.jpg","isHappeningNowArticle":true,"date":"14 minutes ago","uri":"https://www.forbes.com/sites/anafa*guy/2024/03/10/oscars-2024-preview-protests-actress-showdown-possible-oppenheimer-record-more/"}},"id":"ag3q7dhlhm9k00"},{"textContent":"

1 hour ago

Netanyahu Rejects Biden’s Criticism: Says Most Israelis Support Him","scope":{"topStory":{"index":2,"title":"Netanyahu Rejects Biden’s Criticism: Says Most Israelis Support Him","image":"https://specials-images.forbesimg.com/imageserve/65ee00983c7be7c783d61c42/290x0.jpg?cropX1=0&cropX2=2504&cropY1=54&cropY2=1462","isHappeningNowArticle":true,"date":"1 hour ago","uri":"https://www.forbes.com/sites/zacharyfolk/2024/03/10/netanyahu-rejects-bidens-criticism-says-most-israelis-support-him/"}},"id":"cjbjce08bcl400"},{"textContent":"

4 hours ago

Chaos In Haiti: U.S. Evacuates Embassy As Gangs Take Over Parts Of Capital","scope":{"topStory":{"index":3,"title":"Chaos In Haiti: U.S. Evacuates Embassy As Gangs Take Over Parts Of Capital","image":"https://specials-images.forbesimg.com/imageserve/65eddda9fb34512a19fce818/290x0.jpg?cropX1=0&cropX2=2445&cropY1=126&cropY2=1501","isHappeningNowArticle":true,"date":"4 hours ago","uri":"https://www.forbes.com/sites/zacharyfolk/2024/03/10/chaos-in-haiti-us-evacuates-embassy-as-gangs-take-over-parts-of-capital/"}},"id":"ckn23o2miafc00"},{"textContent":"

4 hours ago

Katie Britt Says She Knew Sex-Trafficking Incident Didn’t Happen Under Biden","scope":{"topStory":{"index":4,"title":"Katie Britt Says She Knew Sex-Trafficking Incident Didn’t Happen Under Biden","image":"https://specials-images.forbesimg.com/imageserve/65edd398ceb7eacca815c593/0x0.jpg","isHappeningNowArticle":true,"date":"4 hours ago","uri":"https://www.forbes.com/sites/anafa*guy/2024/03/10/katie-britt-says-she-knew-sex-trafficking-incident-didnt-happen-under-biden/"}},"id":"6e31092jcfe800"},{"textContent":"

5 hours ago

Trump Attacks E. Jean Carroll Again—Running Risk Of Another Defamation Suit","scope":{"topStory":{"index":5,"title":"Trump Attacks E. Jean Carroll Again—Running Risk Of Another Defamation Suit","image":"https://specials-images.forbesimg.com/imageserve/65edc5f052928baf2f3bd6f4/0x0.jpg","isHappeningNowArticle":true,"date":"5 hours ago","uri":"https://www.forbes.com/sites/anafa*guy/2024/03/10/trump-attacks-e-jean-carroll-again-running-risk-of-another-defamation-suit/"}},"id":"ah33mffohr1k00"},{"textContent":"

5 hours ago

Biden-Trump Gaffe Tracker: Key Blunders From The 2024 Presidential Campaign","scope":{"topStory":{"index":6,"title":"Biden-Trump Gaffe Tracker: Key Blunders From The 2024 Presidential Campaign","image":"https://specials-images.forbesimg.com/imageserve/65e77cc0fae3caa3b50f44ec/0x0.jpg","isHappeningNowArticle":true,"date":"5 hours ago","uri":"https://www.forbes.com/sites/saradorn/2024/03/10/biden-trump-gaffe-tracker-key-blunders-from-the-2024-presidential-campaign/"}},"id":"34pq8j2eloi400"},{"textContent":"

21 hours ago

Katie Britt Accused Of Misleading Story In State Of The Union Response: What To Know","scope":{"topStory":{"index":7,"title":"Katie Britt Accused Of Misleading Story In State Of The Union Response: What To Know","image":"https://specials-images.forbesimg.com/imageserve/65ece38cf9421c0e189f521e/290x0.jpg?cropX1=0&cropX2=4184&cropY1=217&cropY2=2569","isHappeningNowArticle":true,"date":"21 hours ago","uri":"https://www.forbes.com/sites/jamesfarrell/2024/03/09/katie-britt-accused-of-misleading-story-in-state-of-the-union-response-what-to-know/"}},"id":"2bjfbo1g7ob400"},{"textContent":"

22 hours ago

Pope Francis: Ukraine Should Have ‘Courage Of The White Flag,’ Negotiate Peace With Russia","scope":{"topStory":{"index":8,"title":"Pope Francis: Ukraine Should Have ‘Courage Of The White Flag,’ Negotiate Peace With Russia","image":"https://specials-images.forbesimg.com/imageserve/65ecddedff942ff4cfff4c6a/290x0.jpg?cropX1=0&cropX2=4488&cropY1=180&cropY2=2705","isHappeningNowArticle":true,"date":"22 hours ago","uri":"https://www.forbes.com/sites/tylerroush/2024/03/09/pope-francis-ukraine-should-have-courage-of-the-white-flag-negotiate-peace-with-russia/"}},"id":"bmif39p8d8nc00"},{"textContent":"

+1 day ago

Justice Department Opens Criminal Investigation Into Alaska Airlines Door Blowout, Report Says","scope":{"topStory":{"index":9,"title":"Justice Department Opens Criminal Investigation Into Alaska Airlines Door Blowout, Report Says","image":"https://specials-images.forbesimg.com/imageserve/65ecac80e6b23cc183b0b454/290x0.jpg?cropX1=0&cropX2=3823&cropY1=196&cropY2=2348","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/jamesfarrell/2024/03/09/justice-department-opens-criminal-investigation-into-alaska-airlines-door-blowout-report-says/"}},"id":"dh41i42p6d5k00"},{"textContent":"

+1 day ago

Cheese Recalled In 15 States Over Listeria Concerns","scope":{"topStory":{"index":10,"title":"Cheese Recalled In 15 States Over Listeria Concerns","image":"https://specials-images.forbesimg.com/imageserve/65ec9d5637c860899d4b3afb/290x0.jpg?cropX1=0&cropX2=4200&cropY1=217&cropY2=2578","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/maryroeloffs/2024/03/09/cheese-recalled-in-15-states-over-listeria-concerns/"}},"id":"34mq7oojqbpo00"},{"textContent":"

+1 day ago

National Guard Now Patrolling NYC Subway: Here’s What It Looks Like (Photos)","scope":{"topStory":{"index":11,"title":"National Guard Now Patrolling NYC Subway: Here’s What It Looks Like (Photos)","image":"https://specials-images.forbesimg.com/imageserve/65ec948ea03338029a81087e/290x0.jpg?cropX1=0&cropX2=1554&cropY1=0&cropY2=874","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/jamesfarrell/2024/03/09/national-guard-now-patrolling-nyc-subway-heres-what-it-looks-like-photos/"}},"id":"cpoj971ljoo000"},{"textContent":"

+1 day ago

Trump Scores New Billionaire Donors As Campaign Seeks Badly Needed Cash, Report Says","scope":{"topStory":{"index":12,"title":"Trump Scores New Billionaire Donors As Campaign Seeks Badly Needed Cash, Report Says","image":"https://specials-images.forbesimg.com/imageserve/65eca0ba6643779319da7f60/290x0.jpg?cropX1=0&cropX2=4000&cropY1=45&cropY2=2295","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/tylerroush/2024/03/09/trump-scores-new-billionaire-donors-as-campaign-seeks-badly-needed-cash-report-says/"}},"id":"9dqbn3jl6qa800"},{"textContent":"

+1 day ago

Mega Millions Jackpot Hits $735 Million: Here’s What The Winner Would Take Home After Taxes","scope":{"topStory":{"index":13,"title":"Mega Millions Jackpot Hits $735 Million: Here’s What The Winner Would Take Home After Taxes","image":"https://specials-images.forbesimg.com/imageserve/65ec76210ea1d361d6d73948/290x0.jpg?cropX1=0&cropX2=3094&cropY1=159&cropY2=1900","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/tylerroush/2024/03/09/mega-millions-jackpot-hits-735-million-heres-what-the-winner-would-take-home-after-taxes/"}},"id":"f5fq5ji0c64g00"},{"textContent":"

+1 day ago

Here’s Why Gold Is At A Record High Despite Strong U.S. Stock Market And Economy","scope":{"topStory":{"index":14,"title":"Here’s Why Gold Is At A Record High Despite Strong U.S. Stock Market And Economy","image":"https://specials-images.forbesimg.com/imageserve/65eb7ded5071c741f8a9dcf1/290x0.jpg?cropX1=0&cropX2=1014&cropY1=104&cropY2=674","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/dereksaul/2024/03/09/heres-why-gold-is-at-a-record-high-despite-strong-us-stock-market-and-economy/"}},"id":"brke8m6gc85k00"},{"textContent":"

+1 day ago

What Is ‘Chroming’? UK Boy Dies After Participating In ‘Dangerous’ Social Media Challenge","scope":{"topStory":{"index":15,"title":"What Is ‘Chroming’? UK Boy Dies After Participating In ‘Dangerous’ Social Media Challenge","image":"https://specials-images.forbesimg.com/imageserve/65ebbb18f8bd0fdedb5530cc/290x0.jpg?cropX1=0&cropX2=3807&cropY1=0&cropY2=2140","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/ariannajohnson/2024/03/08/what-is-chroming-uk-boy-dies-after-participating-in-dangerous-social-media-challenge/"}},"id":"8nqflg1fdmlo00"},{"textContent":"

+1 day ago

Senate Passes Crucial Spending Bill To Avert Partial Government Shutdown","scope":{"topStory":{"index":16,"title":"Senate Passes Crucial Spending Bill To Avert Partial Government Shutdown","image":"https://specials-images.forbesimg.com/imageserve/65ebb2132025ced51d93b8fa/290x0.jpg?cropX1=1&cropX2=3492&cropY1=0&cropY2=2329","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/antoniopequenoiv/2024/03/08/senate-passes-crucial-spending-bill-to-avert-partial-government-shutdown/"}},"id":"6fblpd3j3eio00"},{"textContent":"

+1 day ago

Ratings Soar For Biden’s State Of The Union—More Than 32 Million Watched Address","scope":{"topStory":{"index":17,"title":"Ratings Soar For Biden’s State Of The Union—More Than 32 Million Watched Address","image":"https://specials-images.forbesimg.com/imageserve/65eb99e323e159d772244b74/290x0.jpg?cropX1=0&cropX2=1557&cropY1=0&cropY2=1038","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/antoniopequenoiv/2024/03/08/ratings-soar-for-bidens-state-of-the-union-more-than-32-million-watched-address/"}},"id":"a5b228j2hgfc00"},{"textContent":"

+1 day ago

Sam Altman To Rejoin OpenAI Board After Fallout, Report Says","scope":{"topStory":{"index":18,"title":"Sam Altman To Rejoin OpenAI Board After Fallout, Report Says","image":"https://specials-images.forbesimg.com/imageserve/65eb979b989e42bfccf015e2/290x0.jpg?cropX1=0&cropX2=2675&cropY1=78&cropY2=1583","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/brianbushard/2024/03/08/sam-altman-to-rejoin-openai-board-after-fallout-report-says/"}},"id":"dk82gkeqi9mo00"},{"textContent":"

+1 day ago

Lawmaker Proposes Rule To Ban Expelled House Members After George Santos’ SOTU Appearance","scope":{"topStory":{"index":19,"title":"Lawmaker Proposes Rule To Ban Expelled House Members After George Santos’ SOTU Appearance","image":"https://specials-images.forbesimg.com/imageserve/65eb8823dca9c47ae5418ae6/290x0.jpg?cropX1=302&cropX2=3602&cropY1=47&cropY2=1904","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/caileygleeson/2024/03/08/lawmaker-proposes-rule-to-ban-expelled-house-members-after-george-santos-sotu-appearance/"}},"id":"3h54gdj57jj800"},{"textContent":"

+1 day ago

No Labels Considering Georgia Republican Geoff Duncan As Presidential Candidate, Report Says","scope":{"topStory":{"index":20,"title":"No Labels Considering Georgia Republican Geoff Duncan As Presidential Candidate, Report Says","image":"https://specials-images.forbesimg.com/imageserve/65eb82c9f3e76255e3bc105b/290x0.jpg?cropX1=0&cropX2=2388&cropY1=112&cropY2=1456","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/mollybohannon/2024/03/08/new-labels-considering-georgia-republican-geoff-duncan-as-presidential-candidate-report-says/"}},"id":"ef6i9glnlcog00"},{"textContent":"

+1 day ago

Who Is Midnight Blizzard? Russian-Linked Group Has Repeatedly Targeted Microsoft, Company Says","scope":{"topStory":{"index":21,"title":"Who Is Midnight Blizzard? Russian-Linked Group Has Repeatedly Targeted Microsoft, Company Says","image":"https://specials-images.forbesimg.com/imageserve/65eb813db435555c16ae7693/290x0.jpg?cropX1=0&cropX2=3527&cropY1=181&cropY2=2163","isHappeningNowArticle":true,"date":"+1 day ago","uri":"https://www.forbes.com/sites/jamesfarrell/2024/03/08/who-is-midnight-blizzard-russian-linked-group-has-repeatedly-targeted-microsoft-company-says/"}},"id":"2r8ohrfnc7bg00"}],"breakpoints":[{"breakpoint":"@media all and (max-width: 767px)","config":{"enabled":false}},{"breakpoint":"@media all and (max-width: 768px)","config":{"inView":2,"slidesToScroll":1}},{"breakpoint":"@media all and (min-width: 1681px)","config":{"inView":6}}]};

Mortgage Rates Surpass 6% For First Time October 2008 (2024)

FAQs

When were mortgage rates 6 percent? ›

2008: The mortgage slump

Real estate financing was available in 2008 for 6.03%, according to Freddie Mac. Post-2008, rates declined steadily.

What percentage of mortgages were adjustable rate in 2008? ›

Adjustable-rate mortgages made up over a third of mortgage applications each year from 2004 to 2007 before plummeting to less than 5% across parts of 2008 and 2009, and remaining under 10% until recently.

Why did mortgage rates jump so much? ›

Mortgage rates moved up as the Fed bumped the target fed funds rate higher. The Fed projected rate cuts to begin in 2024. However, lingering inflation, still above 3%, has tempered rate cut expectations for now. As a result, 30-year mortgage rates remain close to 7%.

What happened to mortgages in 2008? ›

The interest rate hikes increased the monthly payments on subprime loans, and many homeowners were unable to afford their payments. They were also unable to refinance or sell their homes due to the real estate market slowing down. The only option was for homeowners to default on their loans.

What happened in 2008 with interest rates? ›

January 22, 2008: The US Federal Reserve cut interest rates by 0.75% to stimulate the economy, the largest drop in 25 years and the first emergency cut since 2001. January 2008: U.S. stocks had the worst January since 2000 over concerns about the exposure of companies that issue bond insurance.

What is the highest mortgage rate ever? ›

What were the highest mortgage rates in history? Homebuyers in the early 1980s were subject to the highest mortgage rates in history — rates peaked at 18.63% in October 1981 and remained generally high throughout the 1980s.

When did 5% mortgage start? ›

The concept of an adjustable-rate mortgage was introduced in the 1980s, which gave the borrowers an option to utilize low-interest rates during the life of their loans. Needless to say, this was a substantial benefit for borrowers when the interest rates fell from 20% to under 5% in the 1990s.

Did US mortgage rates soar past 7% for the first time in two decades? ›

US mortgage rates surged this week, rising to their highest level in 21 years. The 30-year fixed-rate mortgage averaged 7.09% in the week ending August 17, up from 6.96% the week before, according to data from Freddie Mac released Thursday. A year ago, the 30-year fixed-rate was 5.13%.

What were default rates in 2008? ›

CharacteristicDelinquency rate on all loansDelinquency rate on single-family residential mortgages
2008-10-014.9%6.58%
2008-07-013.69%5.28%
2008-04-013.19%4.36%
2008-01-012.9%3.68%
9 more rows
Jul 4, 2024

How big was the subprime mortgage market in 2008? ›

The mortgage market is estimated at $12 trillion with approximately 6.41% of loans delinquent and 2.75% of loans in foreclosure as of August 2008. The estimated value of subprime adjustable-rate mortgages (ARM) resetting at higher interest rates is U.S. $400 billion for 2007 and $500 billion for 2008.

What was the Ninja loan in 2008? ›

Popular in the early- to mid-2000s, NINJA loans (which required no proof of employment, income, or assets) were partly responsible for the housing bubble and subsequent collapse coinciding with the 2007–2008 financial crisis and the ensuing Great Recession.

Have 7% mortgage rates returned to the US market? ›

With consumer prices rising faster than expected, the market pushed back expectations on when the Fed will first cut interest rates this year. That in turn pressured the 30-year mortgage rate back up over 7%, the highest level since mid-December, dimming both buying and refinancing demand.

When was the last time mortgage rates were 7? ›

Near the end of October 2022, the 30-year mortgage rate jumped from 6.94% to 7.08%, according to Mortgage buyer Freddie Mac. Prior to that, the last time the average mortgage rate hovered around 7% was in April of 2002.

Why did mortgage rates go up in 2008? ›

There were many causes of the crisis, with commentators assigning different levels of blame to financial institutions, regulators, credit agencies, government housing policies, and consumers, among others. Two proximate causes were the rise in subprime lending and the increase in housing speculation.

What is the highest mortgage rate ever been? ›

What were the highest mortgage rates in history? Homebuyers in the early 1980s were subject to the highest mortgage rates in history — rates peaked at 18.63% in October 1981 and remained generally high throughout the 1980s.

How much did home prices crash in 2008? ›

Los Angeles County's median sales price of $320,00 was down 32% from December 2007, while Orange County's median price fell 30% to $397,000. San Diego County's median price dropped 30% to $300,000. Ventura County's median was $338,000, down 36% from a year earlier.

Will mortgage rates ever drop to 3 again? ›

It's possible that rates will one day go back down to 3%, though if current trends hold that's not likely to happen anytime soon.

How high were mortgage rates in 1985? ›

PeriodFHAConventional
30-Year Fixed Rate30-Year Fixed Rate
198413.2113.87
198511.9612.42
19869.7510.18
46 more rows

Top Articles
Your Money: Messing with a home loan during bankruptcy is a perilous game
3 Innocent Money Mistakes That Can Cost You Big Time
English Bulldog Puppies For Sale Under 1000 In Florida
Katie Pavlich Bikini Photos
Gamevault Agent
Pieology Nutrition Calculator Mobile
Hocus Pocus Showtimes Near Harkins Theatres Yuma Palms 14
Hendersonville (Tennessee) – Travel guide at Wikivoyage
Compare the Samsung Galaxy S24 - 256GB - Cobalt Violet vs Apple iPhone 16 Pro - 128GB - Desert Titanium | AT&T
Vardis Olive Garden (Georgioupolis, Kreta) ✈️ inkl. Flug buchen
Craigslist Dog Kennels For Sale
Things To Do In Atlanta Tomorrow Night
Non Sequitur
Crossword Nexus Solver
How To Cut Eelgrass Grounded
Pac Man Deviantart
Alexander Funeral Home Gallatin Obituaries
Energy Healing Conference Utah
Geometry Review Quiz 5 Answer Key
Hobby Stores Near Me Now
Icivics The Electoral Process Answer Key
Allybearloves
Bible Gateway passage: Revelation 3 - New Living Translation
Yisd Home Access Center
Home
Shadbase Get Out Of Jail
Gina Wilson Angle Addition Postulate
Celina Powell Lil Meech Video: A Controversial Encounter Shakes Social Media - Video Reddit Trend
Walmart Pharmacy Near Me Open
Marquette Gas Prices
A Christmas Horse - Alison Senxation
Ou Football Brainiacs
Access a Shared Resource | Computing for Arts + Sciences
Vera Bradley Factory Outlet Sunbury Products
Pixel Combat Unblocked
Movies - EPIC Theatres
Cvs Sport Physicals
Mercedes W204 Belt Diagram
Mia Malkova Bio, Net Worth, Age & More - Magzica
'Conan Exiles' 3.0 Guide: How To Unlock Spells And Sorcery
Teenbeautyfitness
Where Can I Cash A Huntington National Bank Check
Topos De Bolos Engraçados
Sand Castle Parents Guide
Gregory (Five Nights at Freddy's)
Grand Valley State University Library Hours
Holzer Athena Portal
Hello – Cornerstone Chapel
Stoughton Commuter Rail Schedule
Nfsd Web Portal
Selly Medaline
Latest Posts
Article information

Author: Errol Quitzon

Last Updated:

Views: 5586

Rating: 4.9 / 5 (79 voted)

Reviews: 86% of readers found this page helpful

Author information

Name: Errol Quitzon

Birthday: 1993-04-02

Address: 70604 Haley Lane, Port Weldonside, TN 99233-0942

Phone: +9665282866296

Job: Product Retail Agent

Hobby: Computer programming, Horseback riding, Hooping, Dance, Ice skating, Backpacking, Rafting

Introduction: My name is Errol Quitzon, I am a fair, cute, fancy, clean, attractive, sparkling, kind person who loves writing and wants to share my knowledge and understanding with you.