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THE WALL STREET MARKET:
Wall Street is reporting that a All Capital at Risk Investment may Yield as much as 25% on a in and out of investment time of less than 90 days.
This is basically a unsecured investment that you may loose all your principal. The primary risk right now is the FED increase of interest rates over the next four months.
Risk Capital Yield 25% estimated
Adjusted for a 8% in and 8% out Broker fee.
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
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FEDERAL RESERVE BOARD 8-23-2018
Overall USA Economy continues to downtrend. Real Estate Home Sales are (-0.70%) for July 2018. The 4th straight month of negative Home Sales Results Nationwide.
RETV.News
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EDITORIAL VIEWPOINT:....
The Federal Reserve Board Chair and Board of Governors share the concept of the socialist economic agenda.
Until their position changes or a change is made Americans and America as a Country will remain a more socialist like country ( a ruling party ruling the people) rather than a Democracy where you can achieve the "American Dream".
Trump's position is the American Dream that he is being battled on as he continues to achieve the reinstatement of the American Dream.
The opposing Democratic Party constitutes doesn't want any achievements because it takes away their power over the people.
That's really all your voting on in the next election. No Dream or the American Dream.
RETV.News 8-23-2018
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REAL ESTATE 8-23-2015
USA HOME SALES Down (-2.6%) in 2018
MEDIAN PRICE - Down Month to Month
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
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Editor's Viewpoint:
Real Estate values continue to increase as only the wealthier American can buy.
FED's higher interest rates continue to squeeze Americans away from Home, Retail and Auto purchases.
For this reason Nationally for the first 6 months of 2018 Home Sales are Down (-2.6%)
an Overall Average
Currently it takes 50% of Americans, a husband and wife working two jobs to reach the average income level in America today of about $56,516.
Over 50% of Americans are at the poverty income level. About 30% of the USA full time workers are also on food stamps.
The Median Income for a individual today, in 2018 is $32,111. In the year 2000 it was $31,514. The individuals personal income has Not Increased in 17 years.
Consumer Prices have increased 42.44% from 2000 to 2018.
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Editorial Speculation: August 23, 2018
As the Big Picture of the overall USA Economy continues to improve there is still no stimulus plan in place to jump start the stagnate personal income economics. Tax breaks are not enough.
The FED is continuing with the Democratic plan from the 2008-2016 administration that has driven the Americans into a depressed financial position.
This is evidenced by a negative Real Estate Market nationwide for 2018- 20171nd 2016 and so on back to 2008.
The result of the home prices going up today and accompanied by negative Real Estate growth just means that real estate can only be purchase by the more wealthy American. The upper 50%.
When the Democratic led FED shut down the First Time Home Buyers re-entry into the Real Estate Market in Mid 2016 through approximately December 2016 this basically ended the middle class involvement in the markets.
Despite the Trump successes the prior Democratic socialist administration still holds the American People a financial hostage. The Democratic coup and their public media filibuster clearly evidences the party's anti America position at this time.
This is evidenced by a negative Real Estate Market nationwide for 2018- 20171nd 2016 and so on back to 2008.
The result of the home prices going up today and accompanied by negative Real Estate growth just means that real estate can only be purchase by the more wealthy American. The upper 50%.
When the Democratic led FED shut down the First Time Home Buyers re-entry into the Real Estate Market in Mid 2016 through approximately December 2016 this basically ended the middle class involvement in the markets.
Despite the Trump successes the prior Democratic socialist administration still holds the American People a financial hostage. The Democratic coup and their public media filibuster clearly evidences the party's anti America position at this time.
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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.
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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.
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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.
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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.
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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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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
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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
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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: +$225 Billion
USA Budget 2018 $1 Trillion 300 Billion
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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
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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
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Further USA Economic News may be found on the Daytona USA Financial News and Daytona USA World News pages.
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TRUMP ADMINISTRATION SUCCESS:
The onset of the Make America Great Again Plan has regenerated Manufacturing, Farming, Agriculture, some Big/Small Businesses and approximately the creation of Three Million new jobs in just a year and a half in office.
Consumer confidence is up with and the promise of better paying jobs for Americans is on the forefront. The problem that still exists is the purchasing power of Americans is still in the Democratic coups control.
Trump appointed an existing member of the FED Jerome Powell to the Chairman position of the Federal Reserve Board of Governors. Powell is proving to be a Bureaucrat and not a leader as Trump anticipated. Powell and the existing Board of Governors are showing no interest in the Let's Make America Great Again plan.
Instead the FED Chair, Powell is going along with the preceeding administration 2008-2016 socilaist agenda and out dated plan that continues to depress and surpress America and Americans income, home ownership and overall purchasing power that would otherwise allow Americans to elevate their financial position in the American lifestyle promised to them in a Capitalist Democracy economy.
The FED's current socialist approach of raising interest rates without cause ,only potential, is increasing goverment borrowing resulting in increased debt. The USA is already at the forecasted 2021 implosion level of debt. The USA needs to reduce debt not increase it.
Let's look at interest rates abroad:
UK, England Prime Lending Rate is 1.75% with a jobless rate of 4.2%.
Japan, the Prime Lending Rate is 1.0%,
Germany Prime Lending ratew is 2.23%,
Euro Area Bank 2.23%.
Communist China is at 4.35%
USA Prime Lending Rate is 5.0% and on a upward trend.
Due to the FED's ongoing Prime Rate Increases it is making large ticket items like Automobiles and Real Estate unavailable, undesirable or out of reach to about 50% of Americans due to the added expense.
Moving forward, Trump has made progress on the International scene. Trump and his administration has renegotiated or is in the processing of renegotiation the bad deals made in the last 24 years by the former administrations. This stems from the mid 1990 NAFTA deal that has cost American millions and millions of good paying jobs and shifting the Companies of those jobs to the China sweat shops.
In addition, the IRAN Deal that violated the Patriot Act when Obama and Democrats pushed it through Congress the purchase of 32 Metric Tons of Nuclear Water from IRAN in March 2016, to keep the Obama treaty within its limits. IRAN guaranteed that it was not selling Nuclear Water (heavy water) to Terrorist. Nuclear Water is the primary ingredient of Nuclear Bombs. Three months later after the purchase of the heavy water to the US, IRAN sold an undisclosed 70 Metric Tons of Nuclear Water to Russia.
Trump has moved America is into new productive markets worldwide. From Trumps efforts this is stimulating trade beneficial to America business.
Trumps foreign relations currently has eased the potential of new war zones and America's participation in the war on terrorism. In addition, Trump and his administration are securing America and its borders from the infiltration of potential terrorist.
This is so important as American does not want to have 80 million (8-30-2018 Editorial correction 80 thousand) potential terrorist in America like France is experiencing at this time.
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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 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
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JOB GROWTH
FED indicates Unemployment Benefit Rate up from 3.8% in May to 4.0 %in June 2018.
Actual Unemployment is closer to 7.8%
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Above Averages Courtesy of RETV.News
USA ANNUAL INFLATION RATE
Trump Target 2.5% - 3.5%
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Economic Inflation Range Benchmarks
+1.5% Recession
+2.0% Low to Moderate
+2.5% Moderate Low
+3.0% Moderate
+3.5% Moderate High
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A Moderate level is necessary to
"Make America Great Again".
Inflation is needed for growth.
____
1.5% is a Top 10 Country Recession Level
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INFLATION RATE
2018 7 Month Average as of August 1, 2018
2.1%*
| 2018 |
+2.1%* |
Moderate Low |
| 2017 |
+1.9%* |
Low |
| 2016 |
+2.2%* |
Moderate Low |
| 2015 |
+1.8%* |
Low |
*COURTESY OF THE BUREAU OF LABOR STATISTICS
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RETV News Alert ~ USA First 7 Months
The Average Inflation Rate for January
thru July 2018 is 2.1%.
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
July 2018 IR is 2.4%
| January 18 |
1.8% |
February18 |
1.8% |
| March 18 |
2.1% |
April 18 |
2.1% |
| May 18 |
2.2% |
June 18 |
2.3% |
| July 18 |
2.4% |
August 17 |
1.7% |
| Sept. 17 |
1.7% |
October 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.
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Revisions Courtesy of:
US Bureau Of Labor Statistics
August 15, 2018
Inflation Rates adjusted as Reported by
US Bureau of Labor Statistics
all items less food and energy
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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
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REAL ESTATE
USA AVERAGE HOME
INCOME QUALIFIER INFO
8/15/2018
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 $250,400
Loan Amount $200,320
Qualify with 20% Down $50,080.
Qualify with $56,516. Annual $4,709. Mo
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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
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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 $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.
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| Home Loan |
Point Cost Est |
Retail Rate |
| 30/30 - 417K |
0% |
4.84% |
| 5/25 - 417K |
0% |
4.07% |
| 15/15 - 417K |
0% |
4.26% |
| 30/30 + 418K |
0% |
4.74%
|
| 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
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Foreclosures
USA HOME FORECLOSURES REPORTED
Foreclosure Filings in 2018 - 617,547 8/13/2018
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 ~ August 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 8/13/2018 Update
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