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Daytona USA NewsReel Breaking News for 7-15-2018

Headline: Peter Strzok Deputy Assistant FBI Director Congressional hearing. Strzok takes a "hush" cue from Democrat Congressman during the hearing.

Daytona USA Newsreel is comprised of Just The Facts reporting of Newsworthy current events.


Wall Street: Just The  Facts July 15, 201
Stocks and Bonds:

Todays Bull Market may turn Bear soon due to Interest Rate Increases by the Federal Reserve Board socialist agenda.


US Federal Reserve Bank: Just The Facts July 15, 2018 FED:

Prime Lending Rate Hike objectives for 2018


USA Economics: Just The Facts July 15, 2018
Slide Show:

Report of USA  Leading Economic Indicators and Foreign Relations.


Election Tyranny: Just the Facts July 15, 2018
FBI:

Don't Ask Don't Tell
FBI Election Tyranny the Untold Story
FBI 2016 Election Fraud Scheme unfolds.

Real Estate: Just The Facts July 1, 2018
Values Down:

May 2018 Home Sales Down again (-0.40%).  (most recent report)
Nationwide 2018 Home Sales Average is Down (-.040%) for the first 5 months of 2018.


FED to Increase Prime Rate
to 5.5% or more in 2018

USA Economic News
2018 Annual Report
Don't Ask Don't Tell 
FBI Election Tyranny

THE WALL STREET MARKET:

Wall Street is reporting that the Bull Market may become a Bear in the near future. The Bear Market will emerge as the FED increases Interest Rates. This makes it more difficult and expensive to obtain money.

Bond Yield           4.0%                                          Not easy to find.

1 Yr. CD Rate       2.32% to 2.47%   
                              $5,000.00 to $100,000.00

Savings Rates      1.50%  to 1.90%

e-RETV News in Brief: 
Research and Development

 _______________________________________
FEDERAL RESERVE BOARD 7-15-2018

Overall USA Economy continues to downtrend. Real Estate Home Sales are (-0.40%) for 2018.

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           $264,800
  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:
The economic growth and strength of Americans and America needs to come from the people.

If the people do not have financial strength America as a country can not step up.
_______________________________________

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.
______________________________________

Just The Facts: Archive Date
FULL TIME WORK DEFINITION 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 DEFINITION

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 NEWS 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 Americans
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
_______________________________________
Further USA Economic News may be found on the Daytona USA Financial News and Daytona USA World News pages.


FBI's Election Fraud Scheme Unfolds

News in Brief: FBI's - Unreasonable, Arbitrary Use of Power and Control.

Deputy Assistant Director Peter Strzok indicates that classified e-mails he worte and sent detailed favoritism to the election of  Hillary Clinton.

The content of these e-mails written by Strzok were intended to adversely affect the election of Donald Trump. Strzok indicates that the e-mails are his personal representations as the Deputy Assistant Director of the FBI. 

According to Strzok he felt the election should go to Hillary Clinton with his assistance.

These actions by Strzok are similar to the actions of his preceding Director James Comey, who was dismissed for cause on May 9, 2018.

Strzok, in its simplest sense is telling Congress that yes he wrote the e-mails with the intent to swing the election to Hillary Clinton's favor.
In the e-mails Strzok continues to indicate that  according to Strzok there is no way Hillary can loose.

This e-mail evidence is then denied by Strzok.
When questions go to the floor of Congress a Democrat Congressman interrupts the proceeding by beginning to talk about " Strzok's wife". This was the same ploy offered by James Comey, former FBI Director at his hearing. Then another Democrat Congressman indicates that Strzok should receive a "Purple Heart"?

When in fact the real question should be, who else is involved, what was their roll, when did this USA Presidential Election melding happen. All which was circumvented by Strzok when he was asked.

Are these election issues becoming an abomination America and what we the people stand for?

The tyranny of these facts is that there is an appearance of a Democratic Party coup who not only embraces fixing a Presidential Election in America but also participates the process of doing the act then participates at a governmental level to act to cover up their involvement.
_____________________________________
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 

1st Quarter 2018 GDP Growth was 2.2% lower than expected.

2nd Quarter Report due
7-27-2018

JOB GROWTH
FED indicates Unemployment Benefit Rate  up from 3.8% in May to 4.0 %in June 2018.

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  6 Month Average  as of July 1, 2018

2018 +2.1% 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 6 Months
The Average Inflation Rate for  2018 is 2.1%.
2018 edges closer to being just below the
 2016, 2.2% Average. Fluctuating Inflation Rates as shown indicate economic instability. Upward Inflation Rates show stable growth. 
A 3.5%+ Inflation Rate is over the top.
_________________________________
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        18 2.3%
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
July 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    

______________________________________

SPECULATION July 15, 2018:

Trump has made some major moves to improve the USA's position Worldwide.

The result of moves, of this type, is that they do not give the USA economy (the people) the boost it needs to get back in sync now.

Much of the progress of these Trump moves will not be felt while he is in office.

Interest  Rates are the driving force of America. Without the low interest rates like many other countries are experiencing, internally, America will continue not to be able to compete.



Compass

Market News

House

USA and EURO MARKET  2018
Deduct 0.15% of Yield
for Euro Investment
for the currency exchange rate.
Just The Facts
FED PLANS TO CONTINUE
INTEREST RATE HIKES IN 2018
5.0% TO 5.5%
Real Estate
HOME SALES  DOWN IN 2018
5 MONTH AVERAGE
-0.40%

July 14, 2018
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

Unchanged


                             July 14, 2018
US FED PRIME RATE    5.0% Unchanged

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

July 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 7-6-2018

                               July 14, 2018
USA HOUSING SALES:

May         2018    DOWN  -0.4%
April        2018    DOWN  -2.5%
March      2018                             UP +1.1%
February 2018                             UP +3.0%
January   2018    DOWN 
-3.2%       
USA Real Estate Growth -0.40%       2018
                                          ______

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

REAL ESTATE
USA AVERAGE HOME 
INCOME QUALIFIER INFO
7/15/2018
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% 4.76%
5/25 - 417K 0%   4.13% ^
15/15 - 417K 0% 4.18%
30/30 + 418K 0%

  4.68% ^

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.
4.16%
4.25%
4.28%
4.05%
4.00%
3.58%
 7-13-2018
6-14-2018
5/15/2018
  4/04/2018 
 2/13/2018
12/27/2017

                    Foreclosures
USA HOME FORECLOSURES REPORTED
Foreclosure Filings in 2018 -  625,439    7/14/18
Foreclosure Filings in 2017 -  676,535 12/31/2017
Foreclosure Filings in 2016 -  933,045 12/31/2016
RETV.News Research and Development
                              
                 
     CURRENT HISTORY 2018
Foreclosure Filings ~ July 2018      625,439   v
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 7/15/2018 Update

                            




 



 

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