ezekiel emanuel. >>> the rally of 2012. is it real? the powerful push or are things better than we think. >>> interest rates at record lows again. it could be time to refinance your home. we'll tell you how to figure it out and what's right for you. the "the wall street journal report" begins right now. >>> > here's a look at what's making news as we head in to a new week on wall street. the market melt up goes on. the dow jones industrial average had the best day in two weeks on thursday. and closed at the highest level since mie of 2008. 100 points away from dow 13,000. the nasdaq on fire hitting a 12-year highgh this week. the average is moving on easing concerns of europe and encouraging data in the united states. the fed appears open to another round of bond purchases to keep interest rates low and boo the economic recovery. the minutes released this week show the open market committee was divided because of concerns about inflation. americans are still shopping but not as much as some economists

ezekiel emanuel.at to have you yo on the program. >> great to be here. >>> up next, mortgage rates lower than ever. is it a good time to refinance? we will have advic [ male announcer ] we know you don't wait until the end of the quarter to think about your money... ♪ that right now, you want to know where you are, and where you'd like to be. we know you'd like to see the same information your advisor does so you can get a deeper understanding of what's going on with your portfolio. we know all this because we asked you, and what we heard helped us create pnc wealth insight, a smarter way to work with your pnc advisor, so you can make better decisions and live achievement. >>> welcome back. the battered housing market has seen mortgage rates pushed to historic lows. is now the time to take advantage of those numbers and come out ahead of your bill? joining me now is "money" magazine donna rosato. mortgage rates are at unprecedented lows. what's going on in the mortgage market? >> that's right. the 30