| Real Estate Investment is Good |
Profit Today and Save for Tomorrow |
USA Social Security Trust Fund $0.00
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Real Estate is the best way to leverage small dollars into large dollars.
If you don't have the cash to invest borrower it.
Today you can buy low and sell for a profit or become a landlord and cash flow.
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A financial plan for a uncertain financial future may be a good idea.
At age 65 with a life expectancy of 27 years or age 92 and you have saved:
$1,500,000.Liquid The Pay out is $4,429.62 Monthly for 324 months, 27 years.
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According to Allan Greenspan, former FED Chairman, in an interview on June 15, 2015 , said;
"Your Social Security Contributions
have a $0.00
Balance."
Only Treasury IOU's exist.
US Treasury
Balance on the Social Security Trust Fund
-15 Trillion.
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What is the U-3?
UNEMPLOYMENT "WITH BENEFITS"
5.1%
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What is the U-6
UNEMPLOYMENT
NO BENEFITS
LONG TERM
10.3%
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What is the U-1,U-2,U-4,U-5?
UNEMPLOYMENT
Full and Part Time
NOT LOOKING
16.4% |
| U-3 Unemployment Insurance Claims rose last week 267,000, more than expected and up from August 2015. |
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RED = WORSE
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OBAMA MATH: The U-3
Unemployment Insurance Benefit Rate, "CLAIMS" is being used as a indicator of unemployment in America.
The U-3 term is exactly what it indicates. How many people are collecting unemployment insurance benefits.
The number of Americans seeking unemployment benefits, is U-3, 5.1%. When you fall off the U-3 the rate 5.1% goes down.
Footnote:
How does this really work?
Just because you are not receiving unemployment insurance benefits does not mean you are employed. It means your Unemployment Claim for Benefits no longer exists, therefore you become a U-6, 10.3%.
How Does this really work?
Simple,When the U-3 number is added to the U-6 number the actual unemployment calculations based on The US Bureau Of Labor Statistics Data is:
5.1% + 10.3% = 15.4%
Known Full Time Unemployed
Actual Unemployment calculations are made up from 6 catagories and they are: U-1,U-2,U-3,U-4,U-5,U-6. that indicate a Total Unemployment estimate.
The Total full time and part time Unemployment Rate is the combination of the U-1, U-2, U-3, U-4 U-5. and U-6. That is 31.8%.
What is not counted is the Youthfull Unemployment Rate that is currently at 12.1%.
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Claims
5.1% |
Exhausted or No Claim
10.3%
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Total
15.4%
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| Residential |
Wholesale Rates |
Retail Estimate |
| 30/30 Yr. -417,000 |
4.08% |
4.625% Up |
| 5/25 |
2.95% |
3.50% Up |
| 30/30 Yr. +418,000 |
3.96% |
4.50% Down |
| Commercial |
September 25, 2015 |
All Rates Calculated at a 0 Point Cost
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| 5/25 Yr. Fix/Arm |
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5.675% Up |
| 7/23 Yr. Fix/Arm |
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5.975% Up |
| 10/25 Yr. Fix/Arm |
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6.150% Down |
| Prime Rate |
3.25% |
Volatile |
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*The retail estimate is based on a 0 Point Cost that is equal to approximately a (1.75 Point) rebate to the Lender. FNMA and FHLMC Rates are subject to market conditions. Wholesale Rates are only avaialable to Banks, Mortgage Bankers and conduits to Correspondent Brokers.
Bureau Of Labor Statistics-Defination
What is U6 unemployment rate ?
The U6 unemployment rate counts not only people without work seeking full-time employment (the more familiar U-3 rate), but also counts "marginally attached workers and those working part-time for economic reasons." Note that some of these part-time workers counted as employed by U-3 could be working as little as an hour a week. And the "marginally attached workers" include those who have gotten discouraged and stopped looking, but still want to work. The age considered for this calculation is 16 years and over
Unemployment Rate and the U-6
2000 - 2015
- U1 : Percentage of labor force unemployed 15 weeks or longer.
- U2 : Percentage of labor force who lost jobs or completed temporary work.
- U3 : Official unemployment rate per ILO definition.
- U4 : U3 + "discouraged workers", or those who have stopped looking for work because current economic conditions make them believe that no work is available for them.
- U5 : U4 + other "marginally attached workers", or "loosely attached workers", or those who "would like" and are able to work, but have not looked for work recently.
- U6 : U5 + Part time workers who want to work full time, but cannot due to economic reasons.
- (Noted: ILO is the International Labor Organization and how they measure unemployment on a international perspective)
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Federal Reserve and Future Interest Rates
Fed Chairman Janet L.Yellen was unable to get her interest rate hike approved at the Fed Meeting September 16, 2015. But she isn't done yet. The Fed Chairman vows she will increase interest rates before the end of 2015. Her support for this is that the Housing market is good.
*9-30-2015 Total Foreclosures 566,102 (62,900 Monthly)
8-31-2015 Total Foreclosures 573,841 (63,760 Monthly)
12-31-2008 Total Foreclosures 861,664 (71,805 Monthly)
Let's take a look at the current Foreclosure Rate.
1/1/ 2015 to 9/ 30/2015
*566,102
When compared to last months FED figures, foreclosures have gone down.
The Banks must have unforeclosed some of there foreclosures? |
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