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Daytona USA NewsReel Breaking News 6-15-2018
Americans Living in Poverty and on Food Stamps exceed 30%
of USA Full Time Workers.


NEWS BRIEF ~ JUST THE FACTS June 15, 2018


Wall Street: 
Savings Account Top Of The Market Interest Rates 1.6% to 1.9%


US Federal Reserve Bank: 
FED continues to Raise Interest Rates to America and Americans, as the infra structure continues its demise. Ignorance is bliss.

Slide Show: 
America Economic Indicators Upticks from 0% to -0%. FED Prime Rate Hike to 5.0%

Real Estate: June 15, 2018

Real Estate:
Down -2.5% in April 2018.  (most recent report)
Nationwide 2018 Home Sales Average is -0.85%  



FED Blasts Americans
with Rate Hike to 5.0%

America's Future
Statistics & Comments
2018 Annual Report
FED Boasts Stagnate Economy

THE WALL STREET MARKET:

The US 10 Year Government Bond increased .01% (one hundredth of a percent)  on June 12th 2018. The current rate is 2.96% up from a record low of 1.36% in July 2016.

Despite huge market swings of up to - +20% and subsequent losses the current Wall Street Markets are posting mostly Green Lights on Daily and on the 52 Week averages.

Looking back the Dollar when compared to the Euro performance was * $1.00 to *Euro value of 1.0011 on July 18 1986. Since July the dollar has been worth less than the Euro. This is one of the reasons International investment was not viewed to be profitable and still isn't.

One USA Dollar $1.00 is worth $0.85 when compared to the Euro on June 12, 2018. Therefore an investor would need a 15% Yield to break even, at 0.00.

RETV News:
*Reporting Bank Of London exchange rates.
 _______________________________________
FEDERAL RESERVE BOARD 6-15-2018

FED
continues adverse action to America and Americans person, business, real estate, retail sales, auto makers, sales and more.

Bureaucrat, Jerome H. Powell is the new FED Chief appointed by Trump. This administration change is proving to be all but good for the Make America Great Again plan. Powell is proving conclusively that he has no leadership abilities.

The following is not good news for Make America Great Again.

In 1993, current FED Chief Powell began working as a managing director for Bankers Trust, but he quit in 1995 after the bank got into trouble after several customers suffered large losses due to derivatives.

RETV News Archive Excerpt

News Story Continued:

The continued increase in interest rates is sending America's business and peoples purchasing power to support America and its products deeper into a depression.

The new administration may need to rethink this appointment. A, Alan Greenspan like figure in all probability would be a better choice to Make America Great Again.

Interest Rates are expected to be over 5% before the end of 2018 and 6% by year end 2019. The last time this type of increases were tried by the FED was at the end of 2007 and beginning of 2008. The on set of the mortgage crisis

To date the new FED Chief has not shown any initiative to make any new moves to help a struggling American economy.

The robust USA Economy isn't strong enough to repay the -$3.2 Trillion Dollar New Debt from the FED during 2008-2016 time span. Yes, this is all or some, in part, of the Debt created and bailout of fraudulent companies. If you were not a participant in the banking government mortgage fraud scheme they just bled your good company assets dry. 

Also according to George W. Bush at that time in 2008, Americans were to get "Interest" not "Write Off" on their bailout of the mortgage crisis.   Write Offs or also known as a "Write Down" affect the value of the Dollar adversely because no one is paying back the, their FED loan.

The FED is displaying and currently is writing down or "discharging" instead of paying off  according to Powell the new FED Chief. The FED Boards proof of a good American economythat the FED is portraying is like you not paying your credit card debt.

RETV.News
_______________________________________
EDITORIAL VIEWPOINT:

Shouldn't the FED Chair and Board of Governors be Elected Positions.

We the People are smarter now, isn't that so?.
RETV.News 6-15-2018
_______________________________________
REAL ESTATE 6-15-2015
  USA HOME SALES Down -2.5% in April 2018
  MEDIAN PRICE - Up
  5-31-2018            Pending
  4-30-2018           $257,490 revised
  3-15-2018           $240,000
  2/13/2017           $246,800
11/30/2017           $248,000
  9/30/2017           $245,100
  8/30/2017           $253,100
  7/30/2017           $263,800
_______________________________________
Editor's Viewpoint:
A Pairty:
To the Federal Reserve News Story above.

Anybody ever see the Walt Disney film Wrong Way Muchie.

If not here's the story in a nut shell.

Muchie parents get him started in a little league baseball team. Muchie doesn't get to play much but in a important game is called to pinch hit as a last resort to win the game.

Muchie hits the ball out of the park. " The game winning home run".

Only one problem, Muchie rounds the bases by going to 3rd base, then 2nd base, then First base and then to Home Plate.

Simply put because Muchie did not round the bases in the proper order 1st, 2nd,3rd, Home Plate he is out.

No Home run, no win and everyone on his team side is depressed, a walk off loss. If you don't get the pairty to the above FED senario its okay.

Walt, I hope you don't mind my memory flaws on your story line. Thanks for have my mom and me in your Ugly Dachhund movie. Those were fun days.




______________________________________


Archive from May 2018 article:

Individual Workers Averaged Income Annual
USA Median Income:
Source: US Census Bureau

2018 - $31,364             (Up +$0.72 cents a day)
2016 - $31,099
2 Year Wage increase $    265.00

CPI
2017 - 2.0%
2016 - 1.3%

2 Year Price increase $1,035.01
                                     ( Up -$2.83 cents a day)

Shortfall on income  (- $   770.01 Annual)
Prices increased more than income.
_______________________________________
FULL TIME WORK DEFINATION CHANGED
JANUARY 8, 2015

Changing the ACA's Definition of Full-Time Work. ... Employers may also opt to avoid the mandate by reducing hours and substituting part-time workers for full-time workers. However, contrary to the conventional 40 hour definition of full-time work, the law defines full-time employment as working at least 30 hours per week.Jan 8, 2015

JUST THE FACTS ~ WAGES SHOULD BE CALCULATED BASED ON A 35 HOUR WEEK RATHER THAN 40 HOURS.
_______________________________________

PART TIME WORK DEFINATION

A part-time contract is a form of employment that carries fewer hours per week than a full-time job. They work in shifts. The shifts are often rotational. Workers are considered to be part-time if they commonly work "1 hour" or fewer than 30 hours per week.

 

 

USA ECONOMIC DATA AS OF 
  April 12, 2018
REAL TIME ANALYSIS
Annual Report and Comparison


April 4, 2017
The TRUMP Trek begins to Restore America.
Obama leaves a trail of Debt for Americans.

US NATIONAL DEBT: As Of: 4-4-2018
            -$21 TRILLION 115 BILLION Up from
            
-$19 TRILLION 963 BILLION  1/20/17
National Debt:  Notes
In 2008 the National Debt as of January 9, 2008, was 9 Trillion 719 Billion. The National Debt has more than Doubled in the last nine years. -1 Trillion went to the Mortgage Crisis 2008-2009 from the G.W. Bush Administration. An additional 9 Trillion was added to the US National Debt by the Obama Administration. From 2009-2016 the National Debt more than doubled the amount that has been accruing since the 1960's

US GDP GROSS DOMESTIC
PRODUCT: Is Up +879 BILLION to
               +$19 TRILLION 865 BILLION
                 FROM
               
+$18 TRILLION 986 BILLION
SHOWS SOME SIGNS OF CURRENT AND POTENTIAL GROWTH IF NOT CHOKED OFF

4/2018
US DEBT TO GDP RATIO:
 
(-106.29) ^
             Up From 4/2017      -104.49%
Worse in last 12 Months        -1.88% ^
This is due to USA Debt exceeds USA Gross Domestic Product. Current Debt is increasing more than the Gross Domestic Product increase year to date.


Obama has increased the USA Dollar Supply
-963 Billion in 12/31/2016 
-536 Billion       4/4/2018 Improved
 427 Billion fewer dollars printed compared to 12/31/2016 IMPROVED 55%. Result a Lowered USA Debt and public tax burden to date.

Cost to each Taxpayer 12/31/2017
an additional -$2,962.00  Annual.
Down to         -$1,629.00  4/4/2018 est.
With no apparent Benefit to the USA Taxpayer.

As of 4/4/2018 - - - - -
The above negative ratio indicates that the USA is spending more money than produces.

In 2018 Congress and President Trump passed 1 Trillion 300 Billion USA Budget.
This is the first realistic US Government increase since 9/11.
Budget Deficit listed below are for each year shown with a similar amount increasing annually for years not shown. Milestones.
Year        Deficit Amount
2002 -      -$158 Billion - G.W. Bush
2008 -      -$459 Billion - G.W. Bush
2012 -      -$1 Trillion 87 Billion - Obama
2016 -      -$767 Billion - Obama
2017 -      -$812 Billion - Obama >Trump
2018 est  -$633 Billion - Trump
The increasing Debt of the war effort is approaching 1 Trillion Dollars Annually.

This amount is approximately the same amount that is being added to our National Debt annually.  -$1 Trillion Dollars of Taxpayer Liability proposed for 2019.
Approximately -$1 Trillion Dollars of War Debt over the existing 1 Trillion 200 Billion 2018 Budget.

Without the expanding World War effort the USA in a very stretched sense would be within the proposed budget set for 2018.
The USA War Chest is approaching $700 Billion. This is more than 10x that of any other Country in the World.
In comparison, FDR Debt of World War II was -$21 Billion Dollars in 1942 and -$55 Billion in 1943 estimated Annual.

2016:
The Obama Administration and Congress is -$592 BILLION OVER THE 1 TRILLION 100 BILLION US 2016 BUDGET. Expressed as a percentage that is 53.81% ^
over budget. The Obama, US War chest is 548 Billion. The USA is not a healthy economy at this time.

AAmericans Living in Poverty exceed 42 Million or 12.96% 1/2017. This number has improved as of 4/2018 to just over 39 Million. 2017: Americans Living off Food Stamps is 41 Million1/2017. 4/2018: This number has improved to just under 41 Million. Both sets of numbers encompass different Americans with some duplication.


December 31, 2008, Comparison (year-end)

US NATIONAL DEBT:

-10 TRILLION 447  BILLION

US GDP GROSS DOMESTIC PRODUCT:  

+13 TRILLION 976  BILLION  

US DEBT TO GDP RATIO: +35.46%

The above positive GDP Ratio reflects a USA economy that has produced more than it has spent.   


BOTTOM LINE:    1/31/2017

WORSE   2008 TO 12/31/2016      -41.83%
January 31, 2017                           -41.15%

THE USA ECONOMY IS OVER     -40.00%
WORSE AS OF JANUARY 31, 2017 THAN
IT WAS IN DECEMBER 31, 2008. Improving
This does not include random Money printing.


AVERAGE INFLATION RATE
COMPARISON

YEARS                INFLATION RATE AVERAGE
2017 TO 2018              1.8%    Moderate Low
2009 TO 2016              1.4%      Recession

2000 TO 2008              2.9%      Moderate


America as a Democracy powered by Capitalism should have a positive "Growth at a Rate." This includes Real Estate and Retail Sales as a Country.
In order to do so a 2.5% Inflation Rate is Low and a 3.5% Inflation Rate is Moderate High when compared to USA history and the current Global Economy.
See World News page grid.
_______________________________________

EXIT BENCHMARK: 3/28/2017
USA Full Time Employment Needed:
1 Million 215 Thousand AAmericans
To get back to 2008 Actual Unemployed Level
_______________________________________
USA Overall Debt
As of 1/10/2017: Obama EXIT BENCHMARK
As of 4/04/2018: Trump Current Performance 

US Budget Deficit: -$5 Trillion 645 Billion
US Budget Deficit: -$6 Trillion 001 Billion

Social Security:    -$15 Trillion 619 Billion
Social Security:    -$16 Trillion 877 Billion

Medicare:              -$27 Trillion 720 Billion
Medicare:              -$27 Trillion 879 Billion
Total 1/10/2017:     -$48 Trillion 984 Billion
Total 4/04/2018:    - $50 Trillion 757 Billion
_______________________________________

USA Overall Debt Continued:
Total 1/10/2017:

Total 4/12/2018:

Unfunded Liabilities :  -$55 Trillion 777 Billion
Unfunded Liabilities:   -$62 Trillion 008 Billion
National Debt:              -$19 Trillion 954 Billion
National Debt:              -$21 Trillion 931 Billion
Federal Reserve Deficit -$3 Trillion 200 Billion
Federal Reserve Deficit -$3 Trillion 200 Billion

Liability Per USA Taxpayer

$875 Thousand 156 Dollars as of 1/10/2017
$929 Thousand 559 Dollars as of 4/12/2018

Real time analysis: 4/2018
Trump FUTURE PROJECTION: 2021

_______________________________________
Not counted above:
US Government IOU's to the American Public +2 Trillion 600 Billion + Yield for all Monies Removed from the Social Security Trust Fund completed without voter approval.
US Government War Chest:     +$633 Billion
National Debt Annual Interest: +$225 Billion
USA Budget 2018       $1 Trillion   300 Billion
_______________________________________

4/4/2018
TODAY
ACTUAL

US Budget Deficit: -$6 Trillion 001 Billion
Social Security:    -$16 Trillion 879 Billion
Medicare:              -$27 Trillion 879 Billion
Additional Unfunded Liabilities+ National Debt                       -$61 Trillion 917 Billion
Liability Per USA Taxpayer
$875 Thousand 156 Dollars as of 1/10/2017
$929 Thousand 014 Dollars as of 4/04/2018

_______________________________________

Editor Noted: War Funding is approximately -$633 Billion going up to 1 Trillion annually.
In 2015 it was $736 and 2016 $767 Billion.

USA Budget 1 Trillion 300 Billion "estimated"
Defense Spending     - Non defense spending
2018 -  $633 Billion    -   $539 Billion  USA
2019 -  $700 Billion    -   $590 Billion  USA
2020 -  $715 Billion    -   $605 Billion  USA


Trumps Make America Great Again Plan

The Plan appears to be in trouble.

The current FED Chief Powell, reading, at the June 12, 2018 FED meeting, indicates that America's Gross Domestic Product that is allegedly and unconfirmed at 2.8% for 2018 will decrease according to the following schedule:

Jerome Powell FED Chief June 12, 2018
FED's America Gross Domestic Product Plan
2018 - 2.8%
2019 - 2.4%
2020 - 2.0%
This FED analysis by its appearance clearly indicates America's production of Product is scheduled to trend down to lower levels over the next 2 1/2 years.

In addition Powell, FED Chief indicates that the major upward flex in the inflation figures is from oil prices resulting in a average Consumer Price Index  increase of 1.9% for the month.

Did you receive a 1.9% raise last month? How about next month. Monthly for the last couple years? At all? No, you took a increase in expenses and corporations took an additional profit out of your pocket, to keep going.

Over 50% of Americas jobs are closer to annual minimum wage of $15,470.00 compared to the average income figure of $56,516.00 to live in America as a productive person. The $15,470. is about $7,000 below the benchmark for the Poverty level in the USA.

All the viewpoints being presented by the FED Chair are from a Government favoring the Corporate perspective and not an individuals peoples actual needs.

So nothing has changed despite the appointment of another Bureaucrat in the Federal Reserve System. Powell was appointed in 2012 and served as an Officer and Advisor to Janet Yellen the ousted FED Chair person in February 2018.

______________________________________
Trump Speculation per Thousand Dollars:
Trumps Initial Personal Income Plan Per from 1/20/2017:
$1000.00  Earnings
  +280.00. Inflation at 3.5% over 8 years
$1280.00   Earnings in 8 years
______________________________________
   $500.00   Expenses for the $1000. Earnings
   +140.00    Inflation at 3.5% over 8 years
   $640.00    Expenses in 8 years
______________________________________
   +$13,440. End Game per $1000.00 of Income
______________________________________
                    Benchmark for Real Estate                               Appreciation 7.5% Annual
______________________________________

$100,000     Home Value 1/1/2017
$178,347     Estimated Value 1/1/2025
+$78,347     End Game Per $100,000
                    Real Estate Invested
______________________________________
$100,000     Stock Market Investment
$152,308      Yield Estimated at 5.4% Annual
+$52,308      Per $100,000 Invested in the market.
or
+   $5,230      Per $10,000 Invested in the market.
______________________________________

                  USA Economic Advancement
______________________________________

PRODUCTIVITY
FED Projection 6-2018
GDP to decrease from 2.8% to 2.0% by 2020

JOB GROWTH
FED indicates Unemployment Benefit Rate of 3.8%.

Actual Unemployment is closer to 7.6%

USA ANNUAL INFLATION RATE
Trump Target  2.5% - 3.5%
____

Economic Inflation Range Benchmarks 
+1.5%            
Recession
+2.0% Low to Moderate
+2.5%              Moderate
+3.0%     Moderate High
____

Shortfall to Moderate is about -33.3% of the Target Inflation Rate for Growth or "Make America Great Again".
Inflation is needed for growth. 

____

 
1.5% is a Top 10 Country Recession Level
____
2018  5 Month Average  as of June 1, 2018

2018 +2.0% Moderate Low
2017 +1.9% Low
2016 +2.2% Moderate Low
2015 +1.8% Low 

Above Averages Courtesy of RETV.News
_________________________________

RETV News Alert ~ USA First 5 Months
The Average Inflation Rate for  2018 is 2.0%.
2018 is rebounding two years late, just below the
 2016, 2.2% Average. Fluctuating Inflation Rates as shown indicate economic instability.
_________________________________
Bureau of Labor Statistics 
USA Inflation Rate 2018-17 by the Month

January 18   1.8% February18 1.8%
March    18   2.1% April        18 2.1%
May        18  2.2% June        17 1.7%
July        17  1.7% August    17 1.7%
Sept.      17  1.7% October   17 1.8%
Nov.       17 1.7% Dec.         17 1.8%
USA Inflation Rate 


Revisions Courtesy of:

US Bureau Of Labor Statistics
June 15, 2018
Inflation Rates adjusted as Reported by 
US Bureau of Labor Statistics
all items less food and energy


____________________________________

2021  
TRUMP ADMINISTRATION GOALS

OFFICIAL PROJECTIONS

US Budget Deficit: -$4 Trillion 984 Billion
Social Security:     -$22 Trillion 765 Billion
Medicare:               -$28 Trillion 311 Billion
Total 7/8/2021:       -$56 Trillion 060 Billion
Unfunded Liabilities:   -$49 Trillion 416 Billion
National Debt 2021:      -$22 Trillion 734 Billion
 ~~2021 estimates are Subject to Revision~~
National Debt: 4/2028:-$21 Trillion 119 Billion  
National Debt: 1/2017:-$19Trillion 540 Billion    

______________________________________



Compass

Market News

House

USA and EURO MARKET  June 15, 2018
Deduct 0.15% of Yield
for Euro Investment
FED PLANS TO CONTINUE
INTEREST RATE HIKES IN 2018
5.0% TO 6.0%
HOME SALES  DOWN IN 2018
4 MONTH AVERAGE
-0.85%

USA compared to EURO BANK 
$1.00 Dollar is worth $0.85 to Euro

USA
Savings Account
1.60% Up to 1.90% ~ 1.75% Average

EURO
1.25% Up To 1.45% ~ 1.375% Average
 "Secured" Interest Rate Yield for 2017


June 12, 2018
US FED RAISES PRIME RATE    5.0%

____________________
Higher interest rates result in the tightening of Mortgage Loan Underwriting.

June 15, 2018  Mortgage Rates do not reflect recent FED Rate Hike 6-12-2018.

There is an indication the government may be developing a "bait and switch" as mortgage rates are not moving with the FED increases.

            Rates Posted are as of 6-8-2018


USA HOUSING SALES:  
April        2018    DOWN  -2.5%
March      2018                             UP +1.1%
February 2018                             UP +3.0%
January   2018    DOWN 
-3.2%       
USA Real Estate Growth -0.85%  1st Qtr. 2018
                                          ______

USA Real Estate Growth Non-Existent in 2017
Retail Sales Growth         Non-Existent in 2016

REAL ESTATE
USA AVERAGE HOME 
INCOME QUALIFIER INFO
6/15/2018
most recent releases
___
Median Individual's Income
  June 2018
                            $31,950.
00^                          
___
Estimated Average Family Income
$56,516 ^ Up as of Aug. 24, 2017
Census Bureau most Recent Release
___
PURCHASE PRICE $250,400
Loan Amount $200,320 
 Qualify with 20% Down $50,080. 
Qualify with $56,516. Annual $4,709. Mo
___
Loan Rate 4.78% 30 due in 30 Yrs.
Payment $1,049.00 a Month
Taxes and Insurance $249.00
Other Debt $533.33
$1820.33 PITI and Debt per Month
Ratios
27.56/ 38.88
___
 

Underwriting Variance is estimated
upward at +0%
Ratios
33.00 / 38.00

A Cash Down Payment of 20% is
estimated at $50,080. Plus closing cost and cash reserves of approximately $12,500.00. Total cash required $62,580.00. to close escrow.

Note: 
Average Family Savings of $4,350. v
indicates a potential financial ability deficiency to purchase any home over $75,000.

Average USA Family has exited the home ownership market.

Home Loan Point Cost Est Retail Rate
30/30 - 417K 0% 4.78% ^
5/25 - 417K 0% 4.00% ^
15/15 - 417K 0% 4.20% ^
30/30 + 418K 0%

4.65% ^

Point Cost Lowers Rate
FNMA FHLMC
Retail
Averaged Rate
Commercial 7 Yr. Fixed Due in 20 $6,000,000. 0%  7.25%^

Prime Rate

5.00%
4.75%
4.50%
4.25%
3.50%
3.25%

6-12-2018
3/22/2018
12/14/2017
9/30/2017
10/1/2016
10/1/2015

Fannie Mae
60 Day Rate Delivery 30/30 YR.
4.25%
4.28%
4.05%
4.00%
3.58%
 6-14-2018
5/15/2018
  4/04/2018 
 2/13/2018
12/27/2017

                    Foreclosures
USA HOME FORECLOSURES REPORTED
Foreclosure Filings in 2018 -    633,332    6/14/18
Foreclosure Filings in 2017 -    676,535
Foreclosure Filings in 2016 -    933,045
RETV.News Research and Development
                              
                 
     CURRENT HISTORY
Foreclosure Filings ~ June   2018   633,332   v
Foreclosure Filings ~ May   2018    640,952   v  
Foreclosure Filings ~ April. 2018    651,979   v


Note: The above figure does not include defaults, auctions and repositions as shown in the annual figures below. These numbers are the best representation of the activity on the banking market
                               ________

     Courtesy of RETV.News 5/15/2018 Update

                            


SPECULATION June 15, 2018:
Regarding the raising of interest rates in speculation of some potential gains to be realized in the future of which there is no support currently, in Americas future.

The only stable factor is the low Unemployment Insurance Rate of 3.8% and subsequent support in the job numbers.

The benefit of this Unemployment Insurance Benefit Rate of 3.8% to the FED is only that the FED can get a increased loan amount if they borrow from the Euro Central Bank who weighs Employment numbers highly in loaning money.

Food Stamps and the Poverty Level remains over 39 Million Americans with only 126 Million in the "full time work force" of 30 hours per week average.

This in its self is a 25% decrease of earnings based on the preexisting full time definition of 40 hours per week. An the actual job yield to a family goes downhill from the 30 hour week.

According to the FED Chif Powell and the Federal Reserve Board Governors this is all good.





 

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