Housing Appreciation
I believe housing is going to adjust and 'cool off' but that doesn't mean 2008 style cooling off, that means cooling down from 20% growth...
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1 min read
More Money in Real Estate than Equities
Why manage liabilities? Because there is more money there to be managed in Real Estate than there are Equities. The majority of real...
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18,000,000 Buyers now 'on hold'
When rates go up, it drives affordability down. According to a recent John Burns article, 18M people that were looking to buy have been...
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Perspective
This video is something I watched when I felt my problems were too big to handle. (aka - 2007-2008 business cycle). This old but...
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Cycles
Had a nice conversation with Dave Savage for his project to support loan officers in this unique environment... I wanted to share some...
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Chicken or Egg?
Do interest rates start to come back down, or do house prices start to come back down? Either way, you can't have you cake and eat it too!...
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Squeeze - Renters - a Rock and Hard Place
When interest rates go up, and we have inflation - people can afford less. New listings are dropping their list prices for the first...
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What Happens When You Borrow More than you can Afford?
As a macro tourist - think of the US Balance Sheet in these terms: RED LINE = Cash Flow from the gross domestic product (all the...
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Stocks / Real Estate Values Index
This is a fascinating way to think about valuation. If the entire stock market was worth $100,000 and you were the only investor - and...
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Appreciation - Slowing but Positive
Appreciation is slowing exactly as forecasted, but it's still a positive expectation. So the rapid increase wasn't sustainable, but that...
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Inflation and Borrowing
Inflation is so painful, but we often overlook the positive impact of inflation on borrowing. The government understands this and...
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Homebuyer Demand Slowing as Predicted
This is the softening that will allow some a greater chance to enter the real estate market. Homebuyer Demand is dropping below 2020...
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Housing Price Increase
Great share by John Wakefield @realestatedecoded https://public.tableau.com/shared/ZGMPK3MWD?:showVizHome=no Interactive link above: It...
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Housing Affordability Index
Great share by John Wakefield @realestatedecoded https://public.tableau.com/views/Case-ShillerCustom_2/RealMMPPC-SHPI1990?:showVizHome=no...
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Confidence in Buying a House
Reaching all time lows - higher rates are hurting that, but as house value stay to soften I'd expect this to turn up - then we'll need...
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Who Flinches First?
Will the house price index start to move down toward hourly earnings, or will hourly earnings catch up with prices?
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What will higher interest rates produce?
Inflation caused by an easy money policy leads to a cure of inflation with a tighter monetary policy. What’s the expectation? Higher...
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The Real Estate Dilemma
Here's a dilemma: Consumers feel now is the worst time to buy real estate. Consumers now feel real estate is the best investment you can...
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Fed Rates -vs- Fed Chair Height
Don't worry, as soon as we get a shorter Fed Chair rates should start coming back down again... and the market will grow taller!
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How Much Land Does a Man Need?
'How Much Land Does a Man Need?' One of the most profound short stories I've ever read. We use this as part of our What is Enough?...
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Recession
I think we are just starting into a recession - one that could be more lengthy and difficult. A recipe of two parts low rates (now...
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The Housing Price Gap
How does this gap get filled? When housing prices rise as quickly as they have over the last 15 years a huge part of the market gets...
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Need and Opportunity
A Certified Liability Advisor is going to look at all your liabilities as part of a broad solution. There are two reasons to borrow: ...
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Ask yourself where we are in the cycle on housing prices?
This is a solid visual on the cycles of markets...
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