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THE WALL STREET MARKET:
Wall Street, despite their welfare, governmental supported positions has not even laid a plan or began any transition to direct more investment to American business opportunities in America as a whole.
The investment markets obviously know the direction of the current administration but seem to be refusing to acknowledge and support "progress" in re establishing America as the greatest country in the world that would embrace focusing on rebuilding a stronger peoples purchasing power economy.
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FEDERAL RESERVE BOARD 3-15-2018:
Jerome H. Powell is the new FED Chief appointed by Trump.
Will the new FED Chief be able to turn the tide?
Here is the Federal Reserve Banks responsibility to Americans in brief;
1) Promote maximum employment, stable prices, and moderate long-term interest rates in the U.S. economy;
2) Promotes the safety and soundness of individual financial institutions
3) Provide services, U.S. government that facilitate U.S.-dollar transactions and payments; "print money" not for just the top people and companies, but for the people including the middle class and poverty stricken"
4) Research and analysis of emerging consumer issues and trends, community economic development activities, assist in developing an avenue
The question and issue becomes; can and will Powell the new FED Chief have or can he put together a plan to carry out the FED's charge to the American People as as whole and not just to a select "a special Interest" few, like the prior FED Chair Janet Yellen.
The US is number 18 of 176 Countries and has a 76% corruption value based on the worldwide corruption index. The FED controls "printed money" otherwiise know as "circulation" that has not been circulated evenly in since 2008.
The past Chairperson Janet Yellen did not succeed in any of these arena's as a facilitator of Capitalism coupled with Democracy and a positive influence on Americas prosperity as a whole.
Will Jerome Powell the new FED Chair be a facilitator?
The next FED meeting is March 20 and 21, 2018
Shown above 1-4 Federal Reserve Bank web site excerpts.
RETV.News
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EDITORIAL VIEWPOINT:
The middle class American is still present but economically does not exist in America today.
The Middle Class of USA citizens is closer to the poverty level than ever before in history. That is why retail sales, real estate sales and otherl economic numbers are stumbling. America's purchasing power has and is currently stifled.
The past Democratic administration was successful from 2008 to 2016 in eliminating the Middle Class American from their sovereign position in the USA.
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EDITORS VIEWPOINT
USA REAL ESTATE & BUSINESS FUTURES
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 and the American consumer survives.
RETV.News 2-15-2018 Link
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USA HOME SALES MEDIAN PRICE - DOWN
3-15-2018 $240,000 (thru 1-30-2018)
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
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RETV.News FLASH 3-15-2018
Note: Generally when Interest Rates go Up Home Prices and Sold Homes go Down.
This is currently is occuring on the Real Estate Market as a result of the FED's Prime Interest Rate increases totaling +1.00%.
In addition underwriting guidelines have tightened to get a Home Loan as rates are planned by the FED to go up to about 5% by 2018 year end and 6% before year end 2019.
The above format was/is the prior FED Chief Janet Yellen economic plan of attack.
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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 AAmericans.
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.
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EXIT BENCHMARK: 3/28/2017
USA Full Time Employment Needed:
1 Million 215 Thousand Americans
To get back to 2008 Actual Unemployed Level
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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
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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
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~~~~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
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Trump USA Report Card:
In brief, the Trump administration has encountered great adversity in their focus to develop the "Make America Great Again" concept.
The adversity basically stems from the preceding Democratic Administration from 2008-2016. The adverse influence of the past eight years by the prior administration and its goal, to curve America's Democracy into acute Socialism still prevails today.
This is a result of the political party effort that was to tilt the US up again from the top with special Interest groups instead of moving forward with Democracy and appropriate stimulus plans for the people to enjoy life, liberty and the pursuit of happiness.
The existing eroding USA economy is of no concern of the past administrations political officials who are still in power. Their intent is to hold on to the economy they desimated.
The Trump administration isn't offering the incentives and opportunities for these aforementioned politicians to promote their own personal political gain at the American Public's expense.
The foundation of a Democracy is with the People, Progress and Prosperity. The "Make America Great Again" plan requires co-operation to re-route business back into America and not circumvent the American People's work force. It is not just to give Americans a minimum wage job. It's to put the system back in place where you can grow and under a normal set of circumstances, experience the American Dream.
It isn't expanding Mid-East war that is much like a Vietnam War in that can never be won. The Mid-East conflicts have been a known military fact and concern since the 1960's.
Briefly in recap, initially, the US involvement in the Mid-East began when the US evacuated the Shaw of Iran in the 1960's. Later in the mid 1980's Suddam Hussein was supported and installed by the US and Osama bin Ladin and the Taliban were created and supported by the US as a buffer between the US and Mid-East conflicts with groups such as ISIS.
Now that the buffers has been removed Americans between the ages of 18 and 30 years of age mostly, are having to step forward with their lives (approximately 100,000 to date have been affected) as a buffer to keep America free from terrorism as the war continues to expand from 2008 to date.
What's the point? The longer the war is allowed to go on the worse it will become and has become. Basically in the cost of American lives and the Debt to finance the war.
Remember the US lives in fear and we protect not only ourselves but all other freedom seeking countries in the world who are letting America take on death and the financial cost of freedom and responsibility for them as well as the USA.
What's the bottom line? Trillions of USA Dollars added to the National Debt and our children's future and livesare affected now and in the now appearance of a never ending future. It could result in the American Dream becoming a total nightmare and somewhat to date already has.
Trump took over the American nightmare. The current administrations American Dream endeavors have been stifled by the remaining existance of the Nightmare Dreamers who want to continue to overpower America, Americans and the USA naturalized freedoms for financial gain.
A example of this is the Clinton Foundation has verifiable received hundredes of thousands cummlatively possibly millions of dollars from Russian concerns before, during and after the election that remains an undeveloped story by the press and goverment oversight.
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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
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$500.00 Expenses for the $1000. Earnings
+140.00 Inflation at 3.5% over 8 years
$640.00 Expenses in 8 years
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+$13,440. End Game per $1000.00 of Income
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Benchmark for Real Estate Appreciation 7.5% Annual
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$100,000 Home Value 1/1/2017
$178,347 Estimated Value 1/1/2025
+$78,347 End Game Per $100,000
Real Estate Invested
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$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.
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USA Economic Advancement
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USA ANNUAL INFLATION RATE
Trump Target +2.5% to +3.5%
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(Shortfall is about -33.3% as of 1-15-2018)
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2.1% is a Top 10 Country Recession Level
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2017-18 12 Month Average
from Feb. 2017 through Feb. 2018
| 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
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USA Inflation Rate 2018-17 by the Month
| January 18 |
2.1% |
February 18 |
2.2% |
| March 17 |
2.2% |
April 17 |
2.4% |
| May 17 |
1.9% |
June 17 |
1.6% |
| July 17 |
1.7% |
August 17 |
1.9% |
| Sept. 17 |
2.2% |
October 17 |
2.0% |
| Nov. 17 |
2.2% |
Dec. 17 |
2.1% |
USA IR Average Year To Date +2.0%
Averages Courtesy of RETV.News |
Inflation Rates 2014-2015-2016-2017
Courtesy of
US Bureau Of Labor Statistics
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EURO BANK MARKETS EXPERIENCE
1.25% Up To 1.45% ~ 1.375% AVERAGE
"Secured" Interest Rate Yield for 2017
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US FED RAISES PRIME RATE
4 TIMES IN LAST 12 MONTHS,
from 3.25% to 4.50%
Home Sales Plunge in 2018
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Rate Hikes have Adjusted Mortgage Rates
Up to date from +.25% to +.375% Monthly Residential Rates Up 1.00%
Commercial Rates Up 1.00%
This is only due to the conservatorship of Fannie Mae and Freddie Mac .
"Government Control 2008-2018"
Rates are not moving with the Capitalized Markets
FED's Plan is to Raise Rates to 5% and up to 6% in the next two years.
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THE INTENT BY THE PRECEDING, DEMOCRATIC ADMINISTRATION FED CHIEF, WAS/ IS TO CRASH THE LAST EXISTING MARKET AVAILABLE TO THE MIDDLE CLASS AMERICAN.
Tightening Mortgage Loan Underwriting.
Mortgage Loan Rates Manipulated Down
All Rates Trending Up .25% to .375% Monthly
March 9, 2018
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USA HOUSING SALES
JANUARY 2018 DOWN (-3.6%)
DECEMBER 2017 DOWN (-3.2%)
USA Real Estate Growth Negative in 2018
USA Real Estate Growth Non-Existent in 2017
Retail Sales Growth Non-Existent in 2016
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USA AVERAGE HOME
QUICK QUALIFIER INFO
3/15/2018
most recent releases
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Median Individual's Income
is 50% or more of wage earners.
2018 - $31,709. 000^
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Estimated Average Family Income
2016 - $56,516 ^ Up in 2017
Census Bureau Report Pending Release
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Loan Amount $192,000 v
Qualify with 20% Down $48,000.
Qualify with $56,516. Annual $4,709. Mo
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Loan Rate 4.69% 30 due in 30 Yrs.
Payment $995.00 a Month
Taxes and Insurance $249.00
Other Debt $533.33
$1820.33 PITI and Debt per Month
Ratios
26.41 / 37.74
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Underwriting Variance is estimated
upward at +0%
Ratios
33.00 / 38.00
A Cash Down Payment of 20% is
estimated at $48,000. Plus closing cost and cash reserves of approximately $12,500.00. Total cash required $60,500.00. 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 homeownership market.
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| Home Loan |
Point Cost Est |
Retail Rate |
| 30/30 - 417K |
0% |
4.69% ^ |
| 5/25 - 417K |
0% |
3.93% ^ |
| 15/15 - 417K |
0% |
4.07% ^ |
| 30/30 +418K |
0% |
4.55% ^
|
| Point Cost Lowers Rate |
FNMA FHLMC |
Retail
Averaged Rate |
| Commercial 7 Yr. Fixed Due in 20 $6,000,000. |
0% |
6.75%^
Up 1.00%
|
| Prime Rate |
4.50%
4.25%
3.50%
3.25%
|
12/14/2017
9/30/2017
10/1/2016
10/1/2015
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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 |
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Foreclosures are Down (-37.50%)
USA HOME FORECLOSURES REPORTED
Trump Victory to date for 2017
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Foreclosure Filings in 2017 - 676,535
Foreclosure Filings in 2016 - 933,045
Foreclosure Filings in 2015 - 1,100,000
Foreclosure Filings in 2014 - 1,100,000
RETV.News Research and Development
CURRENT HISTORY
Foreclosure Filings ~ Mar. 2018 560,913 v
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. These numbers are the best representation of the activity on the banking market
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Courtesy of RETV.News 3/15/2018
There is a serious question to the number of foreclosure filings and sizable fluctuation in such a short period.
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 administrations 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 infa structure"the people".
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