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Daytona USA NewsReel Breaking News for 10-12-2018
Trump appoints new Supream Court Justice.

Existing  UN Ambassador resigns as of December 31, 2018
Election Upcoming for Congressional and Senate seats.


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


Wall Street: 
Just The  Facts October 10, 2018
Stocks and Bonds:

Stock Market takes huge temporary loss. This is due to the fact that the Federal Reserve Board is not reacting to the current circumstances that affect America as a whole. Interest Rates keep rising without a cause.

US Federal Reserve Bank:
Just The Facts October 10, 2018
FED: Prime Lending Rate Up at 5.25%

USA Interest Rates are Up to 5.25% as of September 26, 2018. According to Trump rates are to high. He is correct in his assumption based on the standard. Interest rates have gone up
4x (2% interest) to 1x (.5% gain on inflation) in the last 22 months.
There is no justification for any of these raises other than prior FED Reserve Chair put them in place before she left.

USA Economics:
Just The Facts October 10, 2018
Issues and Solutions Slide Show:

The Backwards economy. The FED should not look for a gain until  you meet the threshold minimum of 2.5% gain. Currently, at best, we are 2.11% for fiscal year 2018. That's .375% off the minimum.

Trump Administration Successes
Just the Facts  October 10, 2018
Jobs, Foreign Relations & Gross Domestic Product:

Trump has brought  the jobless rate into perspective. What is out of perspective is hours of work in relation to " full time" "employment." Lower full time work hours and pay requires the average family to work two jobs.

Real Estate: Just The Facts  
Oc 11, 2018
Real Estate Sales Down Again in September 2018:

Not a sign of a healthy economy as the September 2018. Home Sales are Down again (0.00%).  (most recent report)
Nationwide 2018 Home Sales Average is Down for the last 5 months and in the Negative -0.58%.


FED Increase Prime Rate
to 5.25% again in 2018

USA Economic News
2018 Annual Report
Trump Administration 

THE WALL STREET MARKET:
Wall Street as of the October
11, 2018 is down.
The reaction is due to the cause and effect of the recent FED increase in interest rates.

The is no cause other than this is an amount scheduled by the FED back in 2016-2017.

The effect is that the raises are unwarranted and the result is the continuing down trending of the USA economy.

Bond Yield           4.0%                                          Not easy to find.

Bank Interest Rate 1.90%    

1 Yr. CD Rate          2.35% to 2.65%    
                               $5,000.00 to $100,000.00

Savings Rates        2.65% to 3.50%

Note: Savings rates on CD have risen. There is a substantial penalty for early withdrawal.

e-RETV News in Brief: 
Research and Development

 _______________________________________
FEDERAL RESERVE BOARD 8-23-2018

Overall USA Economy continues to downtrend. Real Estate Home Sales are (-0.58%) for 2018.

September is the 5th straight month (0.00) of negative Home Sales Results Nationwide.

RETV.News
_______________________________________
EDITORIAL VIEWPOINT:
The Federal Reserve Board under the Direction of Jeremy Powell is doing less than the expected job to rebuild America.

Can you imagine what it would be like if the FED was free from there actions? They are driving America into the ground with their decisions.

The FED is responsible to America first.
RETV.News 10-11-2018
_______________________________________
REAL ESTATE 10-11-2018
  USA HOME SALES Down (-0.58%) in 2018
  MEDIAN PRICE - Down         Month to Month
  9-30-2018            unknown
  8-31-2018           $264,800

  7-31-2018           $269,600  
  6-31-2018           $276,900
  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: October 2018

With all other major sales figures down, such as Retail Sales at 0.1%. It was one of the lowest gains this year.

The 0.1% gain showed fall is mainly due from car sales and clothing and home furnishings. It was the 3rd similar fall -0.1% in January +0.1 %February and -0.1% in August.

Needless to say the +0.4% average for the year of 2018 is short somewhere between -3.1% to -4.6% percent.
_______________________________________

Editorial Speculation: October, 2018

The economy is not growing as quickly as expected.

Trump has put the FED on notice that he is unhappy with the recent decision of the FED which is to up interest rates.

Actually no decision, as the FED has proceeded exactly with their plan of 2016-17 and not with America's future.

Powell proving that he is a bureaucrat first.


_______________________________________

Semi Annual 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.


TRUMP ADMINISTRATION:
As the Trump Administration continues to press forward with a America agenda the economy continues to improve somewhat.

Recently the Democrats, which have been going against the administration. Although they did approve by a vote an appointment to the Supreme Court.

The administration in the 3 months it took a loss in rebuilding substantial ground of America.

It seems no matter which way the administration goes there is a Democratic coup that does not want what ever it is.

So far Trump has played a important role in politics and the political structure of America. His accomplishments are many compared to other  Presidents in the same time span.

Basically he has a political agenda for the people.
 
 
_____________________________________
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
______________________________________

USA PRODUCTIVITY
 Projection 

1st Quarter 2018 GDP Growth was 2.2% lower than expected. 2nd Qtr is at 4.1%. 6 Month Average 3.1%

3rd Quarter Report due
10-27-2018

JOB GROWTH
FED indicates Unemployment Benefit Rate  up from 3.8% in May to 4.0 %in June 2018 to 3.7% in Sept. Most jobs to existing employed under 40 hours.

Actual Unemployment is closer to 7.7%

Above Averages Courtesy of RETV.News
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 Low
+3.0%             Moderate
 +3.5%     Moderate High
____

A Moderate level is necessary to
 "Make America Great Again".
Inflation is needed for growth. 
____
 
1.5% is a Top 10 Country Recession Level
2.5% is a Top 10 Country Moderate Level
____
INFLATION RATE
2018  8 Month Average  as of Sept. 1, 2018
2.115%*

2018 +2.1%* Low
2017 +1.9%* Low
2016 +2.2%* Low
2015 +1.8%* Low 

*COURTESY OF THE BUREAU OF LABOR STATISTICS
_________________________________

RETV News Alert ~ USA First 8 Months
The Average Inflation Rate for January
thru August 2018 is 2.115%.
Fluctuating Inflation Rates as shown indicate economic instability. Upward Inflation Rates show stable growth. 
A 3.5%+ Inflation Rate is the rate or value of a economy that is beginning to overheat.
_________________________________
Bureau of Labor Statistics 
USA Inflation Rate 2018-17 by the Month
August 2018  Inflation Rate is  2.2%

January 18   1.8% Feb.         18 1.8%
March    18   2.1% April        18 2.1%
May        18  2.2% June        18 2.3%
July        18  2.4% August    18 2.2%
Sept.      18    % Oct.   17 1.8%
Nov.       17 1.7% Dec.   17 1.8%
USA Inflation Rate 
All items less food and energy in U.S. city average, all urban consumers, not seasonally adjusted.


Revisions Courtesy of:

US Bureau Of Labor Statistics
October 12, 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  2018
Deduct 0.13% of Yield
for Euro Investment
for the currency exchange rate.
Just The Facts
FED PLANS ANOTHER 
INTEREST RATE HIKE IN 2018
Another Bank Rate increases may
break the bank.
Real Estate
HOME SALES  DOWN August 2018
(0.00%)
Annual Housing Sales for 2018 (-0.58%)

October 10, 2018
USA compared to EURO BANK 
$1.00 Dollar is worth $0.87 to Euro
Dollar Up $0.02

USA
Savings Account
Up to 1.90% ~ 1.75% Average

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

Unchanged 10-12-2018

                             October 12, 2018
US FED PRIME RATE    5.25% Up .25%
September 26, 2018

____________________

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

October 12, 2018  Mortgage Rates do reflect recent FED Rate Hike of September, 2018.

Analysis:
The FED is moving to fast for the economy. Individuals in the USA can not keep up
with the FED. This is why the preceding
FED Chief was replaced.

Foreclosures have increased 44% nationwide.
Inflation Rate up    .5%+-. From 1.7% to  2.2%.
Interest Rates up +2.0% (from 12/16) to 5.25%. Trump says to fast, on interst rates.
He is correct.

    Rates Posted are as of October 10, 2018
                                               Up. 0.25%-.375%

                               October 12, 2018
USA HOUSING SALES:
August    2018    Neutral 0.00% (Down)
July         2018    Down    -2.7%
June        2018    Down    -0.6%
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 (-0.58%)       2018
                                          ______

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

 

 

 

REAL ESTATE
USA AVERAGE HOME 
INCOME QUALIFIER INFO
10/12/2018
most recent releases
___
Median Individual's Income
  August 2018
                            $32,111.
00^                          
___
Estimated Average Family Income
$56,516 ^ Up as of Aug. 24, 2017
Census Bureau most Recent Release
___
PURCHASE PRICE $242,300
Loan Amount $193,840 
 Qualify with 20% Down $48,160. 
Qualify with $56,516. Annual $4,709. Mo
___
Loan Rate 5.05% 30 due in 30 Yrs.
Payment $1,047.00 a Month
Taxes and Insurance $249.00
Other Debt $533.33
$1829.33 PITI and Debt per Month
Ratios
27.52/ 38.84
___

Ratios
33.00 / 38.00

A Cash Down Payment of 20% is
estimated at $48,160. Plus closing cost and cash reserves of approximately $12,000.00. Total cash required $60,160. to close escrow.


Average USA Family has exited the home ownership market.

Home Loan Point Cost Est Retail Rate
30/30 - 417K 0%   5.05% ^
5/25 - 417K 0%   4.29% ^
15/15 - 417K 0%   4.44% ^
30/30 + 418K 0%

  4.99% ^

Point Cost Lowers Rate
FNMA FHLMC
Retail
Averaged Rate
Commercial 7 Yr. Fixed Due in 20 $6,000,000. 0%
 7.5%  ^

Prime Rate

5.25%
5.00%
4.75%
4.50%
4.25%
3.50%
3.25%

9-26-2018
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.
4.54%
4.16%
4.25%
4.28%
4.05%
4.00%
3.58%
10-11-2018 
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 -602,827 10/12/2018
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 ~Sept. 2018     602,827   v
Foreclosure Filings ~ Aug. 2018     617,547   v
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 10/12/2018 Update

                            




 



 

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