Good morning to December, Season of Holidays;
Note of the Month:
Another year passes, our Country is intact, and we have a bit more certainty, for the new year. During this year, we revamped our website. Please check it out. Let me know your thoughts.
Call today. Let’s talk realistic rates and market strategies. What better time, as markets slows into Christmas and New Year. Use this above link. It is a short-cut to setting a time best for me calling you. You set the time and we can meet by phone. I look forward to our time.
MARKET NEWS
Federal Reserve: Here’s what os known: Some numbers up, some down. No Surprise. This remains the overall trend staying sideways. As the Federal Reserve Board chews on this mixed data, a rate cut this month is not guarantee. Who knows how the election may influence.
Jobs: The quarterly government data – QCEW – suggests BLS monthly jobs reports are drastically overstated, still. Comparing “jobs created”, BLS shows double that reported by QCEW. This is dramatic. It may provide insight into the low trend in current consumer confidence.
Inflation: Little to report. Past months’ numbers were revised higher. Yet the best insight into inflation will be reported post Christmas season, after Christmas buying ends.
Our Mission: Guidance Based
We strive to help guide, challenge, and support those seeking to build wealth. This pledge is for both the small business clientele and those seeking real estate solutions. Consider us a professional guide in your ‘Asset Acquisition and Optimization Strategies‘. We are at your call. Call Now! Let’s start today. Let’s build upon our previous conversations. It helps teach readiness, good timing, and patience. To this, we offer the important data needed to meet your investing goals. We are ready for your call. This is the best, first step in making a good purchase or investment.
The Good, the Bad, And the Ugly
The Good: Several snippets this month.
1) Did you know: Near 80% of aluminum produced in the United States is recycled?
2) US per person economic output: 40% higher than the EU and Canada. 60% higher than Japan.
3) College Tuition via Morning Brew: Factor in inflation and student grants, average net cost of tuition & fees for in-state freshman – at a four-year public university – was $2,480. This is a 40% drop from $4,140, in 2014–2015. About half of graduating students, last year, finished their degrees without debt. This compared to two-fifths of graduates, in 2013. More good news: Private school tuition declined by 12%, over the decade. Average net cost per year – post-financial aid – was near $16,510. This compares to $18,680, dating back to 2014.
4) San Jose works to meet housing goals. This complements PG&E plans to build 3 data-centers around 4000 units downtown. Good to see.
The Bad: Need for housing. Often there are diverse comments regards housing and NIMBY. It filters through every piece of the housing puzzle – local zoning and planning, lack of qualified workers, lack of middle-market housing. Complex, with no single fix. One example: The troubling trade-offs of blending single-family housing with apartment complexes. Thus it would seem all parties involved, need to participate, otherwise let’s admit defeat. This reality motivated last month’s comments.
The Ugly – Question of Trust: What terminology, what dictionary, who gave the okay to change meanings and definitions? Often, we seem to be told what is appropriate and what not to see, say, and even read. This from many groups like the Cancel Me Society or Twitter. Why the need to control information, under the guise of protection? Example, Mr. Zuckerberg admits being pressed by our US Government, regards CoVid and Hunter Biden tapes – our government. Now, we hear from outliers and whistleblowers. Each in their own way, brings concern about trust in “our system of representative government.” Trust is a most valued, even sacred trait and I do not have an answer. But they say elections have consequences. It seems now is our time to listen, learn, and participate in restoring trust. Even the Supreme Court is called in to action, regarding the meaning of the Freedom of Speech.
Perspective
Monthly payments: Rent vs. house payment: Keys to grasp are affordability and family wealth, both more relevant each month. One: Rents go up, and mortgage payments don’t. Another: The % of each monthly payment increases family wealth via principal reduction. Third: Property appreciation. I have SFR appreciation data going back decades – for just about every county in the US – for 1 year, 10 year, and longer. If you call, we will send it.
Good News:
We can help. We offer a complete set of tools to help you see what is best for you.
Appreciation vs Inflation: Seeing the full picture. As people, we read of monthly inflation, but as consumers, we feel the cumulative effect – even if the rate of inflation falls – at the checkout counter. The same is true of property appreciation. It too, has a cumulative inflationary effects – both as to “cost to replace” and locational advantages.
If helpful, long term inflation rate has averaged 3.82 % for 60 years, and 3.1 %, the past 100. To help put inflation data in perspective, in how and when we choose to invest or sell.
Leverage: Learning of the benefits of leverage. A good reason to call today.
Please call, let’s talk. Let’s carefully review options and realistic opportunities.
Readiness: Planning and Preparation
I rarely change this section. The basics for investing are pretty straight forward. What remains is finding the best path to success and the discipline to stay the course. It begins when you reach out to us. Please make the call today.
Should one invest in stocks, bonds, real estate? Each person has a different view of potential, comfort levels, and the 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 in order to complement your perspective. Our goal: Bring a full range of meaningful options needed to enhance one’s discernment – based upon market realities. Call today. Let’s set a time.
Our strategies are straight forward, logical, and built on sound reasoning. No doctorate in finance needed to plan and succeed.
Why Call Mike
What We Do – Why We Are Here
We know how to explore and carefully examine the many available options. Yes, we are real estate centric for the long term gains anticipated. While we do NOT ignore other types of investments. We scrutinize for safety and prioritize that most feasible to fitting you. It is how we build a trusted relationship with you. As you grow your wealth and secure a solid 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!
Another perspective of ours: Buy Now, buy as much as you can. Why? Let’s Talk.
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 speculation pricing and keeps much 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 – together.
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, during the Season of Holy Days.
