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Daytona USA NewsReel Breaking News 5-15-2018
More Jobs are here. Higher pay is on the horizon.


NEWS BRIEF ~ JUST THE FACTS 5-15-2018


Wall Street: 
Wall Street ~ CD and Risk Based Investment Yields 2018


US Federal Reserve Bank: 
Jerome H. Powell FED Chair, 
Look forward to June July Rate Hike

Slide Show: 
America Struggles as Press Bureaucrats use Rhetoric not to act

Real Estate: May 15, 2018

Real Estate:
Up +1.1% in March 2018.
1st Quarter Nationwide Home Sales are +0.26%  


Annual Gains
A Wall Street Market

America's Future
Statistics & Comments
as of April 12, 2018
USA Moves Forward Slowly

THE WALL STREET MARKET:

$1,000.00 Investment

FDIC Insured Certificates of Deposit Yield
1 Year - 2.20%
2 Year - 2.75%
3 Year - 2.90%
4 Year - 3.00%
5 Year - 3.20%
____________
$100,000 - 4% to 9.5% Risk Based Investment

 _______________________________________
FEDERAL RESERVE BOARD 5-15-2018

Jerome H. Powell is the new FED Chief appointed by Trump.

Interest Rates expected to be over 5% before the end of 2018 and 6% by year end 2019.

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

RETV.News
_______________________________________
EDITORIAL VIEWPOINT:
The Inflation Rate is easing upward. This is a good sign for an USA emerging economic recovery.

Lower interest rates for the next 4 years would in all probability put American Business and Americans back on their feet to some degree.

Individual income has not increased even though Jobs have increased since 2016.

RETV.News 5-15-2018
_______________________________________
REAL ESTATE 5-15-2015
  USA HOME SALES
  MEDIAN PRICE - Up
  4-30-2018           $250,400
  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:
Real Estate is the most secure and affordable source of revenue available to the average American. 

A Real Estate Investment has to be affordable to stimulate growth.

Higher interest rates and more difficult qualifying for a loan, to leverage the investment, is not to any AAmericans advantage. 

The USA recovery is being slowed by increasing interest rates.
_______________________________________

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.


-

-

_

 

 

USA ECONOMIC DATA AS OF 
  April 12, 2018
REAL TIME ANALYSIS


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

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


Trump's Success 2017-2018: 

Trump has set the groundwork in place to accomplish the "Make America Great Again" objectives. 

This is despite the continuing effort of a Democrat Socialist Coup continuing to run for election. This is the same Democrat Coup that thwarted the Bernie Sanders, Democrat for President electoral party challenge.

Since the election, USA Banking Corporations have improved their financial status after just a year of the new administration.

The average American is overall are doing a little better. There are new jobs providing new and additional second job income. These jobs are generally at the lower end of the pay scale. Some start at a minimum wage of $7.50 up to $12.50 per hour accompanied by a reduced work week of 1 to 24 hours on the average. 

When compared to The "Average Income" of a American mid range or lead employee or a middle management to upper management level employee of about $40,000 to $56,000 annual, the new jobs fall short.

These new jobs mostly are at a poverty and food stamp eligible level, in some cases even when the employee has a primary job and the new job is additional employment.

Approximately, up to 50% of American workers  still have to be married and both spouses need to have a second job to reach the Average Income level of about $56,000. to $58,000. annual.

Trump has already addressed these issues to some degree. The results are not going to be immediately recognized. This is due to a Coup that do not respect Americans Presidential choice.

The Washington Democrat and somewhat Republican "Socialism focused" Bureaucrats want Americans to be at low level income so the bureaucrats and their contingency may capitalize on the government as they have since 2010.

Ignoring the G.W. Bush administration Mortgage Crisis, a 1 Trillion Dollar National Debt Expense the Obama administration Doubled the National Debt in 8 years. In 2010 the national Debt was 10 Trillion and in 2017 it was 19 Trillion Dollars and the Federal Reserve Bank had accumulated over 3 Trillion more debt. Where did it go? Show us a money trail.


The business infra- structure in the USA has been diminished substantially beginning with the NAFT agreement that was entered into about 20 years ago during the Bill Clinton administration.

To expect a over night change is unreasonable. 

It is to be expected that the current negative press on the Trump administration from the past 2009-2016 Political Coup that is continuing their election ploy, will stifle the rebuild of Americas Companies, Quality Products and Jobs at a higher wage.

It is important to note that China who has many USA businesses domiciled in China appears not to be completely supportive of the USA position on terror. This comes after we the USA has contributed substantially to China's financial resources. China is a Communist  Government based country.

None the less America and Americans are showing resilience to the off beat Press and opposing political party coups and their remarks. 

Trump is posting some slowed success in the International War Terror scene that benefits a current  and future safe and well being America.

The Trump focused demeanor has pushed forward favorably, despite the primarily Democrat Party Coup and Press attacks on his person.  

These attacks seem more important to the politicians than focusing on the problems left undone by the Democratic Political influences from 2009 to 2016.

The unprecedented, Coup, continuing to run for an election they lost has slowed the emergence of rebuilding a safe and economical viable America.
______________________________________
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% - 3.5%
____

Moderate Inflation Range is 
+1.5%
Recession
+2.0% Moderate Low
+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. 

____

1.8% Inflation Rate is close to 1.5% Inflation Rate, which is a Top 10 Country Recession Level
____
2017-18  12 Month Average
from Feb. 2017 through Feb. 2018

2017 +1.8% Low
2016 +2.2% Moderate  Low
2015 +1.8% Low
2014 +1.7% Low 

Above Averages Courtesy of RETV.News
_________________________________

RETV News Alert ~ USA First Quarter
The Average Inflation Rate for Jan., Feb., and Mar. 2018 is 1.9%.
2018 is lagging behind 2017, 2.16% Average
_________________________________
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        17  1.7% 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 Average
2018 Jan.-Feb. 1.8%
 2017 July-Dec. 1.7% 
 2017 Jan.-June 2.0%


Inflation Rates 2014-2018

Revisions Courtesy of:

US Bureau Of Labor Statistics
April 4, 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

 EURO MARKET 
FED PLANS TO CONTINUE
INTEREST RATE HIKES IN 2018
HOME SALES  DOWN IN 2018


EURO BANK MARKETS EXPERIENCE
1.25% Up To 1.45% ~ 1.375% AVERAGE
 "Secured" Interest Rate Yield for 2017


March 2018
US FED RAISES PRIME RATE    4.75%

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


May 15, 2018  ~ Up 1/8% from April 2018


USA HOUSING SALES:  
MARCH 2018               UP+1.1%
FEBRUARY 2018         UP+3.0%
JANUARY 2018     DOWN 
-3.2%       
USA Real Estate Growth+0.26%  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
5/15/2018
most recent releases
___
Median Individual's Income
is 50% or more of wage earners.
                    2018 - $31,364.00^                          
___
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

4.75%
4.50%
4.25%
3.50%
3.25%

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

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

                    Foreclosures
USA HOME FORECLOSURES REPORTED
Foreclosure Filings in 2018 -    640,952    5/15/18
F
oreclosure Filings in 2017 -    676,535
Foreclosure Filings in 2016 -    933,045
RETV.News Research and Development
                              
                 
     CURRENT HISTORY
Foreclosure Filings in 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 March 15, 2018:
Home Sales are Down, Retail Sales are Down, Auto Sales are Down again for 2018 and the Senate, Congress and FED has done nothing.

This is a continuing issue with Trump in his administration's efforts to move America forward.
Trump has improved America and Americans position in his first year but has not been able to "move" all the existing political blocks installed by the previous administration from 2008-2016 to rebuild the American infrastructure "the people".




 

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