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DAYTONA USA NEWS BRIEF ~ Breaking News for  2-15-2018

 Trumps efforts to improve the USA Economy show no real gain. 


NEWS BRIEF ~ JUST THE FACTS 2-15-2018


Wall Street: 
Wall Street Tanks Speculative 2018 Gains 


US Federal Reserve Bank:
New FED Chair takes Office

Slide Show:
American's and America 2018

Real Estate: January 2018

Real Estate:
Nationwide Home Sales Down (-3.6%) for January 2018 


Wall Street
America's Future
Statistics & Comments
Trump 2018  1 Year in Office

THE WALL STREET MARKET

Wall Streets zig-zagging inflated Price to Earning Ratios and Global Investments are producing great profits for their Investment Companies.

The investor IRA and other investments are continuing to take losses. Has your Company or Corporate Investment Plans and Managed Portfolios of Stocks and Bonds produced you a -10% to -15% loss over the last year? Your not alone.
_______________________________________
FEDERAL RESERVE BOARD  2-12-2018:

Will the new FED Chief be able to turn the tide?
The prior FED Cheif lived in the government world of "make-believe".

Make Wall Streets speculative global investment plans and Wall Street profitable at all costs to America and Americans.

Believe it America; it is happening whether you like it or not.

Will the US government continue to turn its back on Main Street America and support Wall Street?

_______________________________________
EDITORS VIEWPOINT:
Wall Streets Euro Global Market is not a "Blue Chip" Market and never has been, and in all probability, never will be any time in the near future.

The FED, Congress and Senate may need to focus Wall Street on making America's Business in America a profitable investment.

______________________________________
REAL ESTATE FUTURES EXPANDED:

The Prime Lending Rate has been increase 4 times in just over a year. Their is no real apparent benefit to this other than it has continued to suppress USA markets already in a recession for over 8 years from 2008-2016 through today. 

The FED has manipulated interest rates on the housing market to try to keep it in check. The reality is that the FED's current Plan is to increase Home Loan Rates to 5% and then 6% in the next 2 Years.

What is this going to do to the market? Probably not improve it. Usually when Interest Rates increase the credit markets shut down and the potential of more Foreclosures becomes higher  and Retail Sales go lower due to the fact of uncertainty and affordability of America. 
RETV.News 2-15-2018
_______________________________________

 

USA ECONOMIC DATA AS OF 
  July 6, 2017
Year-end Update pending.


July 6, 2017
The TRUMP Trek begins to Restore America.
Obama leaves a trail of Debt for Americans.

US NATIONAL DEBT: SINCE 1-20-2017

-$19 TRILLION 963 BILLION Down
180 DAYS  Down  -$17 BILLION
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. The National Debt is down in the last 180 days!

US GDP GROSS DOMESTIC
PRODUCT:

+$18 TRILLION 986 BILLION
Make America Great Again: Last 120 DAYS Up +76 BILLION

US DEBT TO GDP RATIO: -104.49%
Improved in last 120 days +1.88%
USA Debt exceeds USA Income.


Obama has increased the USA Dollar Supply
-963 Billion in 12/31/2016 
-754 Billion       7/06/2017 Improved
 209 Billion fewer dollars printed in the last 180 days. IMPROVED 20% Lower

Cost to each Taxpayer 12/31/2017
an additional -$2,962.00  Annual.
Down to          $2,310.00  7/06/2017 est.
With no apparent Benefit to the USA Taxpayer.

As of 1/31/2107
The above negative ratio indicates that the USA is spending more money than produces. 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. Americans Living in Poverty exceed 42 Million or 12.96%. Americans Living off Food Stamps is 41 Million. Both sets of number 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  Average.            2.21%    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."
In order to do so a 2.5% Inflation Rate is Low and a 3.5% Inflation Rate is Moderate 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 Americans
To get back to 2008 Actual Unemployed Level
_______________________________________
As of 1/10/2017:      EXIT BENCHMARK
US Budget Deficit: -5 Trillion 645 Billion
Social Security:    -15 Trillion 619 Billion
Medicare:              -27 Trillion 720 Billion
Total 1/10/2017     -48 Trillion 984 Billion

Unfunded Liabilities      -55 Trillion 777 Billion
National Debt:                -19 Trillion 954 Billion
Federal Reserve Deficit: -3 Trillion 200 Billion

Liability Per USA Taxpayer
$875 Thousand 156 Dollars as of 1/10/2017
NEXT ANALYSIS 1/10/2018
_______________________________________
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  is:  225 Billion
_______________________________________
~~~~Forecast from 1/20/2017 to 7/8/2021~~~~

TRUMP ADMINISTRATION
OFFICIAL PROJECTIONS FOR "2021"
BASED ON FIRST 180 DAYS IN OFFICE

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:              -22 Trillion 734 Billion
 ~~2021 estimates are Subject to Revision~~
US Debt 2017:              -67 Trillion 572 Billion
US Debt 1990:              -13 Trillion 385 Billion


Make America Great Again:

Trumps Make America Great Again Plan has moved forward with long-range goals, but no significate plans have been put in place to recover the down trending USA economy.

This is in part because Congress and the Senate are comfortable not doing anything new for the American public who elected them to office for representation in the "We the People" behalf.

"The US faces a wide range of domestic challenges related to the abuse of entrusted power for private gain," which is Transparency International's definition of corruption.

Continuing, on the World Corruption of Political influence,
 the Corruption Perception Index "World CPI" of 2012-2016 reflected the following.

The US has ranged from 73% to 76% Politically Corrupt, or number 18 in the World, between 2012 and 2016. A total of 176 countries were surveyed. Does this mean 3 out of 4 politicians are verifiably corrupt in their representation of America and the American Public? Something to think about when you go to the Polls this year.

Despite Trumps efforts to upscale higher paying jobs and rebound America and the American peoples pocketbook, Congress and the Senate have not put anything new on the table.

Archive:
How long has Political Corruption running wild in America? Probably the closest estimate of time would be about 1998. "The Clinton–Lewinsky scandal was an American political sex scandal that involved 49-year-old President Bill Clinton and 22-year-old White House intern Monica Lewinsky.Clinton was subsequently acquitted on all impeachment charges of perjury and obstruction of justice in a 21-day Senate trial."
Just the Facts:
[1] Clinton was held in civil contempt of court by Judge Susan Webber Wright for giving misleading testimony in the Paula Jones case regarding Lewinsky[2] and was also fined $90,000 by Wright.[3] His license to practice law was suspended in Arkansas for five years; shortly thereafter, he was disbarred from presenting cases in front of the United States Supreme Court.[4]
End of Archive.

There has not been and currently there is no real conversation as to stimulus plans by Congress or the Senate to reinstate the Middle Class Americans, that has been conveniently offed by the prior 2008 to 2016 administration.

Americans who are at the Poverty Level equal 39,256,724 "Thirty-Nine Million Two Hundred and Fifty-Six Thousand Seven Hundred and Twenty Four"Americans or approximately 30.8%  when compared to the Full-Time Work Force currently in America. Food Stamp Benefits today, currently are being extended to over 46,277,875 or 36.3% of the 127,301,509 Full-time Work Force.

Americans living in Poverty are Down  -1.5 Million, One and a Half Million people since 11-15-2017. Americans living on Food Stamps are Up over 5 Million Americans.

Trump's personal efforts have produced some results, but a substantial boost of the USA Economy to get Americans back into circulation is desperately needed by USA major industries of Real Estate, Retail Sales, and Auto Sales and more.

If a stimulus plan were facilitated and "distributed fairly" then everyone moves up a notch including but not limited to individuals who are now succeeding and companies and corporations.

______________________________________

______________________________________
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 JOB GROWTH

USA ANNUAL INFLATION RATE
Trump Target +2.5% to +3.5%
____

(Shortfall is about -33.3% as of 1-15-2018)
____

2.1% is a Top 10 Country Recession Level
____
2017  12 Month Average
from January through December 2017.

2017 +2.1% 12 Month Average
2016 +1.3% Recession  +1.0   <  2.5% 
2015 +0.1% Depression 0.0%  < 1.0% 
2014 +1.6% Recession +1.0%  < 1.5% 

                                                      RETV.News
_______________________________________
USA Inflation Rate 2017 by the Month

January  2.5% February 2.7%
March  2.2% April   2.4%
May    1.9% June 1.6%
July  1.7% August 1.9%
September  2.2% October 2.0%
November 2.2% December 2.1%
USA IR Average Year To Date +2.1%
Averages Courtesy of  RETV.News


Inflation Rates 2014-2015-2016-2017
Courtesy of
US Bureau Of Labor Statistics
_______________________________________

Compass

Market News

House

 EURO MARKET INVESTMENT YIELDS 
RUN UP WITH WALL STREET
MORTGAGE INTEREST RATES 2018 
 TRENDING UP AS OF FEB. 2018
HOME SALES  DIVE IN JANUARY 2018
FED INCREASES INTEREST RATES

EURO BANK MARKETS EXPERIENCE
-0% AND +0% ~ 0% AVERAGE
  Interest Rates for 2016 and 2017

USA at -0% and 0% joins EURO with
Worldwide No Growth in
2017


US FED RAISES PRIME RATE
4 TIMES IN LAST 12 MONTHS,
from 3.25% to 4.50%

  Rate Hikes have Adjusted Mortgage Rates
Up to date from +.25% to +.375% Residential to .75% in the commercial arena.

This is only due to the conservatorship of Fannie Mae and Freddie Mac.

FED's Plan is to Raise Rates to 5% and up to 6% in the next two years.

Tightening Mortgage Loan Underwriting.
Mortgage Loan Rates Manipulated Down
All Rates Trending Up .25% to .375%


             USA HOUSING SALES TREND UP
        THEN  DOWN (-3.6%)
+0.7 September, +2.0% For October,
+5.6 For November 2017, +1.1% December
 
 
 USA Home Sales 11 Month Average  +0.57%


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

USA AVERAGE HOME
QUICK QUALIFIER INFO
2/13/2018
most recent releases
___
Median Individual's Income
is 50% or more of wage earners.
2/13/2018
2018 - $31,627. ^ $1000.  12/17
2000 - $29,231.                           
___
Estimated Average Family Income
2016 - $56,516 ^ Up in 2017
Census Bureau Report Pending Release
___
USA Home Median Price v Down
  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
___
Loan Amount $197,440
Income to Qualify with 20% Down $49,360.  Qualify with $56,516. Annual $4,709. Mo
___
Loan Rate 4.50% 30 due in 30 Yrs.
Payment $1000.40 a Month
Taxes and Insurance $249.00
Other Debt $533.33
$1820.33 PITI and Debt per Month
Ratios
26.52 / 37.84
___

Interest Rates go Up Home Prices
and Sold Homes go Down

___
In addition underwriting guidelines have tightened as rates are planned by the FED to go up to about 5% by 2017 year end and 6% by year end 2018.
___

Underwriting Variance is estimated
upward at +2%
Ratios
33.00 / 38.00

A Cash Down Payment of 20%  is
estimated at $49,360. Plus closing cost and cash reserves of approximately $12,640.00. Total cash required $63,200.00.

Note: 
Average Family Savings of $5,018.00 v
indicates a potential financial ability deficiency to purchase any home over $75,000.

Average USA Family has exited the homeownership market.

Home Loan Point Cost Est Retail Rate
30/30 - 417K 0% 4.50% ^
5/25  - 417K 0% 3.77% ^
15/15 - 417K 0% 3.92% ^
30/30 +418K 0%

4.47% ^

Point Cost Lowers Rate
FNMA FHLMC
Retail
Averaged Rate
Commercial 7 Yr. Fixed Due in 20 $6,000,000. 0%  6.50%^
Up .75%
Prime Rate

4.50%
4.25%
3.50%
3.25%

12/14/2017
9/30/2017
10/1/2016
10/1/2015

Fannie Mae
60 Day Rate Delivery 30/30 YR.
4.00%
3.58%
3.51%
3.47%
3.48%
3.65%
2.94%
  2/13/2018
12/27/2017
11/01/2017
9/28/2017
8/02/2017
1/09/2017
 7/27/2016

 USA HOME FORECLOSURES REPORTED 

                  UP +105,080 Since July 2017
                        in the last 150 Days
                 Down 43,950 Since Dec. 2017
________________________________________

                               HISTORY
Foreclosure Filings ~ Feb. 2018  563,951 ?
Foreclosure Filings ~ Dec. 2017  607,901 ^
Foreclosure Filings ~ July 2017  499,166 v
Foreclosure Filings ~ For 2016    520,000

Note: The above figure does not include defaults, auctions and repositions as shown in the annual figures below.
                               _______

     Courtesy of RETV.News 2/13/2018
There is a serious question to the number of foreclosure filings and sizable fluctuation in such a short period.

                             ________

Foreclosure Filings in 2016 -    933,045
Foreclosure
Filings in 2015 - 1,100,000

Foreclosure Filings in 2014 - 1,100,000 
              Courtesy of Realty Track


SPECULATION 2018:
The focus needs to be on America and American need a viable stimulus plan to revive the people who will then revive the USA internal nationwide economy.


 

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