Good morning to April flowers and taxes.
Trade the narrative – Own the truth
April is the fun month of the home buying season. Pending home sales in February saw a plus 2 % month-over-month. We like it, as most such news is a bit better than estimates. Rents held near steady to down about 0.4%, year-over-year. At the same time, March showed up 0.6 % month-over-month. Looking back, this is typical for March, as Spring brings changes.
No boiler plate Approach to Success
We are your ‘Asset Optimization specialist’
We are not boiler plate. Our initial conversation is two-way, answering questions and gaining a sense of the situation. From here, we collect the specific data needed to match the financial details with the best lenders. Then, we move to a detailed discussion of lending options custom fit for today’s challenging market. This gives you market advantage to achieve your desire outcome. If this is good for you, I am ready. Let’s start planning tomorrow’s success – today.
To help even more, use this link https://michael-ryan.com. It is a good guide for Spring Buying and an easy short-cut for you set the best time for me, to call you. You schedule, I call. It takes all the pressure off. I look forward to our first hello.
MARKET NEWS
Economy: Good, bad and uncertain. Tariff’s seem the hot topic. Will they initially bring higher prices and inflationary pressure? The flip-side: There are no estimates for the less buying by consumers expected with price jumps – demand destruction – bringing deflation. Key: Don’t over react to headlines meant to spike emotions, ranging from Inflation, Deflation, and market favorite, Stagflation.
Jobs: Unemployment claims hold steady. Some commentaries note how an increase in unemployment, can result in lower interest rates. Part of the message: Be careful what you ask for. As for the Trump economy, it is too soon, to compare and contrast. Congress can be slow to put proposed Presidential policy into action.
Monetary Policy: Treasury Secretary Scott Bessent: He wants lower Treasury yields to unfreeze the housing market. Pre-CoVid, Treasury general account was about $300 B. Since then, it has been near $600 B. One way to move the market is for Treasury to borrow less, reducing their demand and thereby lowering treasury yields.
They could also issue more short-term treasuries, thereby reducing the demand for 10-year Treasuries, resulting in lower rates for the 10-year. Key: Mortgage rates typically ‘trend’ with the 10-year treasury. So, if the 10-year drop, mortgage rates will likely move lower. Best: Cut federal deficits and add more US revenue.
Federal Reserve Policy: Couple Mr. Scott Bessents‘ thoughts with a Federal Reserve reducing their balance sheet 50 %, one could see markets positively reacting to new money being added to the private market – where it belongs. This will lower yields on both the 10-Yr. and mortgage rates. Further, efforts to cut government waste, fraud, and abuse is a win-win. It reduces deficit spending, lowers demand for 10-Yr., and further lower mortgage rates. Federal Reserve will have more options,
Our Mission: Guidance Based Buying
We strive to help guide, challenge, and support those seeking to build wealth. This pledge is for clients seeking real estate, and for Small Businesses. Consider us your professional guide for ‘Asset Acquisition and Optimization Strategies’. It’s a first-rate tool helping teach readiness, market timing, preparation, and patience.
We are at your call Le’s start today with our first conversation. A big step to building a plan of action. Our goal: A “timely”, detailed plan matching your investing skills with your dreams. Start planning today. Call Now!
The Good, the Bad, And the Ugly
The Good: Boston Metal has successfully produced a ton of steel using only electricity — not coal. This could be pivotal. A positive way to improve air quality in an industry noted to be a heavy polluter. This newest technolgy emits only oxygen, potentially eliminating 3 billion tons of carbon emissions. They target full commercialization by 2028, per an MIT report. A big step for a most needed industry.
The Bad: Issue of how best to use coal. Trump 1, wanted more clean-burning coal, the same goal of Trump 2. Interesting, 20 % more coal-fired plants shut-down during Trump 1 than Biden. The Bad: We do need energy to build the future. But we must be sure we don’t hurt the environment, in the rush to produce. It why I bring both the good & bad into one topic.
And, the Ugly: We are front row in watching the testing of government spending vs the efficient use of taxpayer dollars. From local city governments seeking State and Federal dollars to pay for what local residents want – but unwilling to pay. To our representatives and leadership, asking for even more, but wanting less accountability.
The answer is in our demanding more awareness of how and who is spending our money. With DC spending out of control and deficit spending growing us into the poor house, any correction / fixing is good and the expected pain from change. The Ugly is when those we seek to hold accountable, simply cry, “trust us”. Time for us to make some calls about our children’s future, before we give out trust.
Perspective
Information. We are not about the politics. It is about communicating helpful information, grabbing an historical perspective, seeing how information is being received by others, and in keeping counsel personal. Here is an example of confusion needing an answer.
Consider DC: Dem’s calculate inflation at 5 %. Rep’s think under zero. It has become a war of the inflation narrative, now circling tariffs. One side drives inflation fears, while the other says every international business will invest in America, to avoid tariffs. Bottom line: Information overload. Solution: Step back from the emotional edge and call Mike Ryan and Associates. Let’s add some desperately needed balance to both sides. Our conversations are around the ‘how might this affect you and your investments’?
We are a creative nation, who loves innovation, fairness, and a level playing field. Last time I checked, the USA is not the world, so let’s focus on what we do best and do it the best of ways – both Small Business and those who spend our hard earned money. Then we can decide what’s best for our children future, as well as our own.
Good News:
Homeownership still ranks as one of the top wealth building tools in America.
In this we can help. We offer a complete set of tools to help you decide what is best for you.
Financial Capabilities: My focus is around your financial capabilities. It is about you. Your historical patterns and tomorrow’s potentials. Why? Because like many, I have ‘come from the ashes’ of failure to learning the lessons of self-discipline and preparing for success. Goal: Bringing together dreams, potential, and possibilities into one’s living reality. This is a unique, hard-earned approach meant to serve you. Guiding, suggesting, cajoling, while also challenging you to not let pointless fears hold you back. Call today. We are here to help.
Leverage: We bring insight into the long-term benefits & advantages of leverage. Let’s talk.
As you look ahead to your tomorrow.
Let’s review options and realistic opportunities.
Readiness, Planning and Preparation
I rarely change this section. Yes, I do repeat it, as each month different people are or become receptive. Is this your month? The basics for investing are pretty straight forward. Our goal: Finding the best path to success and discuss the discipline to stay the course. It begins when you make the first call. I am ready. Let’s talk today.
Our strategies are straight forward, logical, and built on sound reasoning. No doctorate in finance needed to plan and succeed.
Should one invest in stocks, bonds, real estate, business, insurance, etc.? Each person has a different view, a different comfort level and sense of risk vs reward. Such is the heart of the market place and key to one’s “planning and preparation”. To this, we offer clients our expertise and experience to complement your perspective. Our goal: Bring a range of meaningful options needed to enhance one’s discernment – based on market realities. Call today. Let’s set a time.
Why Call Mike
What We Do – What We Offer – Why We Are Here
I know, study, and carefully examine financing options, matching you. We believe in real estate as a good measure of long term success. While we do NOT ignore other types of investments, I love the more stable approach of buying and investing. We scrutinize for safety and prioritize what is the most feasible fit for you. And we are always ready to help. It is how we have built so many trusted relationships – growing your wealth and securing your future.
Small Business: We love small business and provide a full array of financing tools.
Residential / Commercial: We offer strong lenders and a complete package of lending options.
Retirement Strategies: Like myself, as we mature, real estate becomes more personal. If you agree, let’s talk. Together, we can help find answers and solutions to questions about tomorrow. We can start today. We can address a range of questions, from working at home, to a multitude of retirement options. Our efforts are to bring clarity to important real estate planning issues.
Purchase Options for Investment Properties: We finance, Nationwide, investment property purchases. Little known loans requiring very limited documentation – NO income tax returns. The loans are based upon the properties cash flow. Curious? Call. Investing out of the area is not rocket science.. yet you do need to have some knowledge. Let us fill in the blanks for you to succeed and prosper!
A unique perspective to consider: Buy Now, buy as much as you can. Why? Let’s Talk.
3 quick answers to Why;
1) Properties continue to appreciate each year, due to supply / demand imbalance. This increase tends to rise faster, than money we can save.
2) High interest rates can benefit today’s buyers, as it takes out speculative pricing and keeps much of the competition out of the market
3) When, and as, interest rates drop, many Buyers now sitting on the sidelines will enter the market. In turn this will drive the rate of appreciation even higher, from multiple offers and over-bidding of price.
If these ideas sound good, let’s start talking today.
Making your future brighter today & tomorrow.
What We Do: Our role is to explain and bring clarity to time-tested strategies able to keep your money working for you. One worthy and profitable of your efforts and valuable time.
Tools: We offer multiple tools and proven methods. The goal: Offering highly qualified and knowledgable professionals ready to make it happen.
Our Efforts: To be insightful and practical. Working with you, to find answers, matched with carefully planned timing. Priority: Being straight forward, with no short cuts. Truly, success begins with solid preparation and a proven professional – Mike Ryan. I know the ropes and am a proven advocate. I offer time-tested insights and experience. Best, I love to see you achieve your goals. Call us. We are the professional team who stands with you. Call today.
We are ready, feet on the ground, and forward looking !!
Thank you and special blessings for the coming year.
