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Daytona USA Financial News , October 15, 2018
Quarterly Results of the Real Estate, Retail Sales and Auto Sales show no real improvement for 2018.
USA Economics 2018, Just The Facts, on Real Estate, Retail Sales, Housing Market condition and financial outlook.

Real Estate Financial News

Just The Facts
Daytona Real Estate Investment News is a good quick way to get up to date withe the real estate industry's present and future strategy.

Daytona USA Financial News reports encompass the current market reaction so you may make an informed decision regarding Interest Rates, Real Estate, Retail Sales, Auto Sales  a basis for future  investment strategy. 
Dayrtona USA Financial News reviews the US Government Reports and News Topics of the competitive Wall Street Financial Markets.

We take a close look at the accurate information, current events despite the political rhetoric and propaganda already in circulation. We know your investment future depends on Just The Facts, ROBINSON REPORTER

Tracking America's Future.


As of October 15, 2018

TRUMP Administration
How good is _80%__?
1st Report Card 9-1-2018

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October 15, 2018 
Breaking News Top Story

USA Home Sales: Down -0.00% in August  2018. this is the 4th straight months of decline.
Home Sales Down for 2018 and in all probability will not recover by year end

USA Retail Sales continue to show no growth.  Retail Sales for August are at .01% and September .01%. The 2018 average (0.34%). Impact on  Major Chain Stores and Retail Corporations worsen. 
Sears is reported as not being able to continue business as usual. This is the China affect. Unless this business cycle is reversed the inevitable is the result.

Auto Makers and Dealers continue to offer deep discounts and financing options to move inventory. The year End Sale for 2018 has never ended as Auto Makers and Dealers we approach a new year 2019. Again America is experiencing Auto difficulties with the KIA and Hyundia vehicles such as fires.


October 15, 2018

USA Foreclosures edge Up .44% after being Down as of August 28, 2018.
Prime Lending Rate for the USA 5.25%
Foreclosures up .44% as of October.
Prime Lending Rate up to 5.25%.
Trump indicates down with rates at this time.

Prime Lending Rate for the USA is 5.0%.
Up 105,000. Foreclosures level out as of August 28,2018.
National Debt rises to -21 Trillion 447 Billion as of August 28,2018
*National Debt rises to -20 Trillion as of November 2017.
Money Printing is Down to 532 Billion 2018 approximately 1/2 of the Obama 2016 administration.

Trump Administration :
National Dept increased in September 2018.
National Debt Goes Down in March 2017.
National Debt goes Down in February 2017.
US Money Printing:
National Debt Down again August 18, 2017:
National Debt Down in February and March 2017-150 Billion

FED Raises Prime Lending Rates to 5.25%+1.0% 2016-2017:
+0.75% in 2018 as of 10-18-2018

Home Sales Down. Home Prices Decline again in 2018 as of September 0.00%. Home Sales Down in the negative figures for 2018. Interest Rates are Up and continue to rise.

Home Prices  and Sales for 2017 remain level with 2016 at almost 0%..


2018 Home Sales Average:

January - July  2018
(Cumulative -3.4% divided by 7)
Annual Growth "Benchmark is" +7.50%


3 Year Comparison  
January thru October 2018
USA Home Sales For 2018 (-0.34%)

USA Home Sales For 2017  +0.23%
USA Home Sales For 2016  +0.17%

Mtg. Rates Rise as USA Home Sales Drop
as of September 2018.


As of 10-15-2018

September 26, 2018
FED increases Prime Lending Rate to
5.25%. Homes Sales Drop for the preceding 4 months.

Archive History
December 14, 2017
FED raises Prime Lending Rate to 4.5%
                       Stifles Market          +.25%

September 28, 2017
FED does not act on their err as USA Home Sales enter negative progress for 2017.

July 1, 2017
Federal Reserve Raises Prime Lending Rate on June 14, 2017                   +.25%

Federal Reserves Raises Prime Lending Rate on March 16, 2017                +.25%

Federal Reserve Raises Prime
Lending Rate on Dec. 16, 2016    +.25%

Real Estate Market on the Down Turn

Federal Funds Rate   
9-26-2018           2.25% 
Prime Lending Rate                   5.25%  ^
30 Yr. Mortgage Rate                          5.10%  ^
5.5%> 2018 Proposed Increase to    2.50%
6.0%> 2020 Proposed Increase to    3.00%


Historic Archive
Wall Street Financial Markets Downturn 12/18/2015 Following FED Interest Rate Hike.
Wall Street Reports 1.35 Trillion Dollar Deficit/Loss about
January 15, 2016 resulting  from FED Rate Hike
Wall Street Appears to Rebound March 1 but reports about a -1%
loss at the end of March 2016.

September 26, 2018 FED increases interest rates for the 3rd time in the year. The economy does not appear to be keeping up. This  type of increase is backwards.

Daytona Real Estate Investments

Homes and 2-4 Units
Secured Yield Up To 33.5%

Daytona Target Investments

 Commercial  Multi Family
Redevelopment and Reinvestment


USA Financial News
 US Census Bureau

Housing Starts
Down -0.74% Average
to August 1, 2018
month to month

Housing Starts
Jan. 2018
Feb. 2018
March 2018
April 2018
May 2018
June 2018
July 2018
August 2018
Sept. 2018
Oct. 2017
Nov. 2017
Dec. 2017

Stats - Monthly

Up +3.7%
Up +3.7%
Down -3.7%
Down -4.8%
Down -12.3%
Down +0.9%
Up +1.9%
Down -0.9%
Up* +13.7%
Up* +3.3%*
Down -8.2%
New Home Sales
Jan. 2018
Feb 2018
March 2018
April 2018
May 2018
June 2018
July 2017
Aug. 2017
Sept. 2017
Oct. 2017
Nov. 2017
Dec. 2017

5.9 Mo. Inventory* 
Up +3.7%
Up +6.1%
Up +4.0%
Down -1.5%
Up +6.7%
Up +0.8%
Down -9.4%
Down -0.4%
Up +6.1%







 *New Home Sales Inventory is moving at a slower 5.9 month turnover rate  in 2018

New Home Sales only account for about

10% of the Housing Market and are Projected Sales to be confirmed at a future date.

Retail Sales Crash Report +0.0% Average 2018 YTD
Retail Sales Benchmark +3.5% to +5.0%


August 28, 2018
January - July  Average       +0.1%

January 2018
US Retail Sales -0.1%
February 2018
US Retail Sales -0.1%
March 2018
US Retail Sales


April 2018
US Retail Sales +0.3%
May 2018
US Retail Sales -0.3%
June 2018
US Retail Sales +0.2%
July 2018
US Retail Sales +0.5%
August 2018
US Retail Sales +0.1%
September 2018
US Retail Sales +0.1%
October 2017
US Retail Sales +0.2%
November  2017
US Retail Sales +0.8%
December 2017
US Retail Sales

Commerce Department Revised


Note from RETV.News
A 3.50% to 5.00% Benchmark
in Retail Sales is a good average for a healthy USA economy.




Wholesale Rates Market Trend 
Up 3/8% in 60 days

-417,000 Conforming

30/30 5.10%  ^ 
15/15 4.50% ^
5/25  4.34% ^

Freddie Mac
Wholesale Rates
0 Point Cost

+$418,000 Jumbo
Market Trend Up

30/30  4.98%

0 Point Cost

Commercial Retail
7 Yr. Fix due in 20

0 Point to 6 Million

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Daytona USA Financial News:

Newsworthy Story:

October 15, 2018
Trump administration indicates that the increase in interest rates without cause is affecting the economy now and in the not to distant future. Trump said that the interest rates are running to far ahead of the economy. Therefore stag-netting it in part.
The Democrats that still control some of the economic positions are doing nothing due to the election in November. They feel if they do what is needed it will reinforce the Presidents position.
Currently, Retail Sales, Auto Sales and Real Estate Sales are suffering the most.

August 28, 2018
Real Estate Sales continue its downward spiral. Only the top 50% of Americans seemingly are the only real buyers participating in the market since the beginning of 2018.
July 15, 2018. In contrast the Retail Sales markets  and Auto Industry are experiencing the same economic downturn issues.

This was addressed by Trump in a meeting about a month ago with Jerome Powell Chair of the Federal Reserve Board who is proving to be another FED Bureaucrat. The primary issue of the meeting is that interest rates are going up faster than the economy is improving therefore stifling the rebounding USA economic picture.

July 15, 2018
Real Estate Sales still underwater for 2018 at -0.40%. Retail Store Chains continue store closures nationwide. Auto Dealers are offering Manufacture discounts and financing to move inventory before year end.

Mortgage interest rates are edging up to the 5% to 5.5% level as the FED continues their Prime Lending Rate Increases. The result of the rate increases is that it eliminates a large percentage of First Time Home Buyers, that are the thrust of the move up real estate market and mortgage loan applications.

June 12, 2018
All major economic indicators such as Real Estate Sales are Down -2.5% in April.  Retail Sales edged up just over 0 to +0.2% (2 tenths of a percent) and Auto Sales depending on Makes and Models are up and down.

How much is 2 tenths of a percent. Well cut up a penny into 10 equal parts. Two of those ten parts is 2 tenths of a percent.

May 15, 2018
USA Economics remain static as they have been since 2016. Real Estate Flat 0.26%, Retail Sales Flat 0.06% and Auto Sales Flat.

April 14, 2018
National Real Estate shows a average (-1.26%) market decline for December 2017, January 2018, February 2018 quarter. 

Retail Sales have a  average(-0.10%) market decline in the same period and struggled for the all of 2017. This has resulted with major chains opting to close 10%-15% of their retail centers nationwide in 2018 due to poor business and forecasts.  

Auto Makers are giving Dealers Year End incentives to move an already sluggish 2017 now 2018 inventory. Year end discounts have continued into the new year of 2018. 

The Unemployment Insurance Benefit Rate of unemployed workers is at a low of 4.1%.  What is not noted by the Federal Reserve Board is the Actual Unemployment Rate  that includes workers that have fallen off the Benefit noted above, which is over 13 Million Americans or 11.92% of the employed work force. In addition it does not take in account 25.80% approximately, of the work force that is at the Poverty Income Level even when working and on Food Stamps. Over 50% of the employed are under the USA average income level.

Jerome Powell the new Chair of the Federal Reserve Board Open Market meeting on March 21 and 22, 2018 and the Board of Governors all voted 8 to 0, to continue the predetermined
(Socialist objectives agenda set forth in 2016) when compared to (Democracy-Capitalism move with the market American system). Simply put the FED position appears to be: We're going to take Americas money and run with it and leave America behind.

March 19, 2018
As Mortgage Rates Rise and Home Ownership Buyers become less existent with existing home sale down (-3.45%) nationwide in 2018, the FED and Washington has done nothing to correct the err.

Retail Sales of large item purchases and overall sales have dove into negative numbers in the last half of 2017. The first 2 months of 2018 has been no different.

USA businesses need to  to develop economically at a "growth at a rate" pattern. Why?

Jobs have increased, but only at the minimum wage level with slightly better than a sweet shop corporate mentality. The corporate sweet shop mentality does have a foundation, which is, the current and continuing 2009-2016 political administration that is continuing to over shadow the "Make America Great Again" plan.

February 15, 2018
Housing Market Sales Down -3.6% in January 2018.
Home Loan Interest Rates begin to soar more quickly. They are up +25% in the last week from 2-1-2018 to 2-8-2018.  Rates saw a similar increase in January 2018 of +.25% to +.375%. Overall for 2018 first 45 days Interest Rates have increased .50% (Up half a percent since the Feds 12-14-2017 last increase). USA Home Sales  Average for a no growth 2017 is +0.23%.   
December 27, 2017
Retail Store Major Chain Closures
Retail Stores survive Black Friday with sales up approximately 1% over 2016 Sales for the same period of November and December. Retail store closures of major chains are still forth coming for 2018. Retail Sales for 2017 remain barely above Zero.

November 16, 2017
Black Friday Holiday Sales
As Black Friday approaches their is no good news for Retail Sales in America.  With Sales just above 0-Zero, the Retail Stores embrace the hopes of lower prices will stimulate Store Chain Sales to prevent further store closures in 2018.

October 24, 2017
Retail sales are up for the month of September but came in lower than expected. The up swing is in all probability is from Christmas orders and not an improving USA economy.   USA Home Sales were up +0.7% for the month of September 2017. Nationwide Home sales average for the year is at about 0%  or slightly negative (-) compared to 2016. 
October 10, 2010                                   
American's and America brace for the impact of the FED next arbitrary interest rate hike as promised by the Washington Bureaucrats. The Rate Hike is fueled by the FED Chief Janet Yellen a Democratic Appointee from the prior 2009-2016 exiting administration. Can America afford a new recession in 2017?

The FED doesn't seem to be interested in America or America's future. The Dollar is has been and is currently struggling under the current state of affairs regarding a over spent, pork belly former administration. How will the dollar react when the past debt of the 2008-2016 administration  becomes a Federal Reserve Board "Write Down" of  100's of Billions of Debt not paid back by the outgoing 2009-2016 administrations constituency.

September 28, 2017
All major economic indicators for the USA are Down again in August  2017. Retail Sales are at -0.2%, Housing Starts at -0.8% and New Home Sales fall again -0.4% as the New Recession emerges in full strength.
August 18, 2017
SA economy shows continued weakening in Retail Sales, Real Estate and Consumer Confidence.                                        

July 18, 2017                                 
Home Sales in May 2017 have leveled out after 10 months decline beginning in July 2016. The steady decline from July
2017 thru May 2017 aligned itself wi the FED and Fannie Mae and Freddie Mac interest rate hikes. This adjustment to home prices was up to approximately -$17,800 since July 2016.
In May and June of 2017 prices leveled due to the fact that there were a lack of home sales in the 0-$100,000 range coming in at a -7.2% and $100,000 to $250,000 coming in at 2.0%, approximately -20%  lower from the preceding month of April 2017.

The  up end support for the market leveling out was from home sales above $250,000. The current result of the FED action is apparently choking off about -30% of the real estate purchase market, not to mention the mortgage loan volume that is also down..

July 1, 2017
US FED interest rate hike drives USA economy deeper down heading the USA into recessionary levels on productivity, Retail Sales, New and Home Sales over the past year and current Auto Sales. The FED writes off America and Americans and calls it a day with unemployment insurance benefits (a 12 month benefit term) improving. The unemployment insurance level is not a calculation for actual unemployed Americans.
                                       June 6, 2017
Fannie Mae and Freddie Mac Mortgage Rates are easing down to about 3.50%, but it appears the Banks are not following. This may be in anticipation of a future FED Rate Hike to the Prime Lending Rate and Federal Funds Rate that have a direct and indirect influence on Mortgage Interest Rates.

June 2,
USA Existing Home Sales Down -2.3% in April. Cumulative average for 2017 is +0.4%. Retail Sales are at all time lows. Auto Sales for 2017 are less than 2016 for the first 5 month of 2017. To date the FED has not made any moves to improve the depressed USA economy. FED meets again June 14, 2017.
May 24,2017
USA New Housing Starts hit the Wall, Down -2.8% in April and -6.8% in March  and -2.6% in January 2017.

New Home Sales crashed in April -11.4% zeroing out
February and March 2017 gains.  Retail Sales stumbled again at +0.4%. US FED continues to ignore USA economy downturns.                              

May 16, 2017    
Retail Sales:
for April 2017 came in a 0.4% approximately -0.2% less than expected.  The first 4 month average of Retail Sales is a depressing .18% about -3.2% under the low benchmark.

A healthy USA Retail Sales figure would be between +3.5% to +5.0%.       

May 1, 2017
USA Major Retailers Store Closures:  
Retail Sales for March 2017 -0.2%.
In a lack luster American economy, Americans and American business try to weather the economic storm.  You may have heard of a couple of the following stores, Sears, JC Penny. Payless, Radio Shack, American Apparel that are among the highest in USA Store Closures for 2017, as reported by the Labor Department  employment statistics. Why are these USA Major Retailers closing? No business. Why is there no business? The consumer has no extra Dollars to spend. Why is there no extra dollars to spend?

Simply put, because the American Purchaser also know as the Goose that Lays the Golden Egg is being goosed.  Many Americans today have to carry 2 part time jobs. Wages over the last 8 years are down 30%.  The TRUMP Administration was left with a 8 years of 1.5 Million less Actual Unemployed Workers.The FED is escalating interest rates in a depression/great recession economy. Potential home buyers and step up home buyers and sellers are being squeezed out of the market by monthly and quarterly interest rate increases that are a result of  the FED actions.                       

April 6, 2017
Retail Sales Low:
Retail Sales have been very low for 2017 year to date. New Home sales which accounts for about 10% of the USA Housing Market have shown a good result, so far for 2017. Existing home sales are underwater for 2017 resulting from a down trending 4th quarter of Home Sales in 2016. In the third quarter of 2016 Existing Home sales appeared to be heading for a year end upswing before interest rates increased almost a 1.0% in 4 months. Since then the FED has raised the Prime Lending Rate which in the final analysis comes back on Americans as higher interest rates on all credit products.

The National Debt decreased in February and March 2017 as did Money Printing. This seemingly shows a strengthening of the USA economy. The reality is the debt increase scenario, the doubling of the National Debt since 2008, will at some point begin the increase of the National Debt.
US FED  continues to ignore the need of Americans to have capital gains to stimulate the America jobs, income, productivity and retail sales.


March 10, 2017
National Debt Down:

The National Debt is Down 31 Billion in since January 2017 as of March 10, 2017. This is significant since the National Debt has been adding 40 to 50 Billion a Month for quite some time. The Net improvement is about 70 Billion Dollars in about 60 days. In addition the Dollar Supply " printing new money utilizing the Taxpayer as security for the currency" is DOWN over 121 Billion". These two factors if they continue, somewhat demonstrate that the American economy has the where-with-all to improve.

Mortgage interest rates have stayed flat at 4.375% in January and February 2017. USA Home Sales fluctuated up +3.3% for January 2017. Retail Sales came in slightly higher in a lack luster USA economy. New Home Sales were Up 3.7%. New home sales account for about 10% of the Housing Market.

The basic issue today for the Trump administration is that the American consumer lacks viable Capital to stimulate its own USA economy. In the last 8 years the government and investment focus has been in foreign investments leaving USA Main Street citizens behind.

February 3, 2017
Mortgage Rates:

Fannie Mae and Freddie Mac jump Mortgage Interest Rates in last quarter of 2016. USA Existing Home Sales Market Drops -6.00% in 3 months as FED increase the Prime Lending Rate on December 16, 2016. This move by the FED increases the probability of static growth and will slow a moving forward under the new administration's plan.

January 10, 2017
Stock Market:
The Stock Market reacts bold to the President Elect Donald Trump plan for America. Bond Markets still struggle. The Federal Reserve Board ignores their target set for the USA economy of a 2.0% Inflation Rate for the USA economy and raised Interest Rates in Mid December with a current average Inflation Rate is 1.19%. A Inflation Rate of 1.0% is considered a economic depression level for a Top 10 Country. Interest rates worldwide have been at low or negative interest levels since mid 2016. This is a blow to the USA economy especially for a new President with stronger internal economic goals for 2017.

USA Economy Actual Model Mon

Nationwide Statistics for the Month of March  2016

EXISTING HOME SALES are Up in March over Mar.2015 5.1%
SINGLE FAMILY Homes For Sale prices eased Up. 5.5%
SINGLE FAMILY Condo's For Sale prices eased Up. 1.8%
AVERAGE PRICE CHANGE per "Home For Sale", Up. 3.9%
Commercial Building in High Metro Areas Upswing   2014-2017

Manhattan N.Y. rebuilds the sky commercial and residential.

San Francisco,  CA , The Bay Area sees home values double or more.
A 2 bedroom 2 bath in the city can cost 1.1M.
A 3 bedroom or more can range up from 1.7M .

Florida maintains a steady double digit growth for last
4+ years is down to single digit.

USA National Real Estate Sales continues to falter as FED increases interest rates.

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