Your March 2024 Letter From My Heart with the Good Bad n’ Ugly

Good morning to March and the rainy season !


My hope, from our first call, is to become your relational connection to real estate financing with both major players, like the banks, and those not so well known – wholesale only lenders, private, wall street, insurance, and such.

The New Year reminds us of how “fast” a year comes and goes. As a working professional for over 35 years, there is one constant desire: To move through my professional life helping others build a better tomorrow. I notice that for some, is a singular focus on up-to-date interest rates. For others, it is wealth building and for some protection and preservation. Yet, it is important to see how each of them intersect with one another.

Moreover, life is in a constant state of change, sometimes moved by things outside our direct influence or things dear to you – one’s family affairs, or bank saving. It is why we need to talk. Please CALL. We have the financial tools most able to help. Key: It starts with our first conversation.


Latest market updates:

The last couple of weeks have shown the resilience of the American market. Hotter than expected inflation numbers. Some moving up a tad, others not dropping as fast as expected. With all the extrapolations that go into the headline numbers, best we can do is follow the trend line. My take on the trend line is the Federal Reserve will be holding off cutting rates a bit longer.

The release of last months Federal Reserve meeting minutes is where the Fed speak is to counter the earlier market expectations of many rate cuts this year. And these notes predate last weeks hotter CPI and PPI reports, and this weeks PCE report. Bad number for last month, owners equivalent rent component (1/6 of Core PCE) is an imputed number. BLS was up strong for last month. All other data sources did not support. The Fed will be looking at this, and it is a movement that will support keeping rates stubbornly high.

Leaving us with the next market mover to watch being the next Federal Reserve relating to information about their balance sheet plans. In addition to the rate movements last year, the Fed Board has been letting their balance sheet run off as they receive payments. They peaked at about 9 T .. but are now down to the 7’s.. Still a lot, as it started about 2 T not so many years ago.

This reduces monetary supply, and is a quantitative tightening stance. Needed, yes. So, we have QT on 2 fronts; Balance sheet reduction and the effects of the rate increases (which if untouched still have over a year to fully work into and through the economy)

We watch, we wait, we report. All to assist with planning. Planning to sit and wait, planning to continue, planning to get started… Your answer is the correct one for you. We endeavor to bring value and conversation to assist. Let’s continue the conversation.

More Good News – CALL TODAY

Are you having difficulties with your current commercial loans? We may have answer. We are in position whereby we are able to modify and adjust them, in order to bring them current. The big benefit: It helps owners to hold onto all their hard work and keep them from defaulting. Even more, it helps removes the adverse and lasting negative affects on commercial lenders. CALL TODAY. Time can be your best friend, help you release built-up stress, and help the commercial lender. Please don’t wait. Let’s talk today.

As for our Inspired News: It comes from a favorite source: Please support them. Its a counter to the preference of Mainstream Media to portray a situation as catastrophic or dysfunction, while seeking the proverbial devil incarnate. Instead, know all of us live with struggle, with few actual victims. Most prefer to find the workable, middle ground, appreciating each situation – its benefits and challenges – to be unique. Key to healing is listening and learning how to better discern a situation for what it is. No fears, just reality. Discern wisely and let’s talk soon.

Looking to Buy or Invest?

Call today and begin early preparation now.

This keeps you ready and flexible. It is key.

The Good, the Bad, And the Ugly

The Good –

While everyone talked about real estate crashing the past couple of years, the final numbers for 2023 are hot off the press. Depending upon which group you look at (Case-Shiller 5.6 %, FHFA 6.6 %) this rounds out another good year for real estate.. Nationwide running about 40 + % appreciation over the past 5 years..

And for a bit of our regular ‘news’ about Good: Heart disease is the top cause of death in the United States, but progress is being made, and millions of lives are being saved. The American Heart Association just released its new report showing that the country has cut heart disease death rates by 70% since 1950 and stroke death rates by nearly a third since 1998.

The United States reduced its backlog of immigration cases last year, after processing an unprecedented 10 million cases.

The Bad – Inflation vs Employment

A testament to the resilience in our economy is the low weekly numbers of new claims for unemployment insurance. The flip side is the combined inflation from the past couple of years. Other than energy, we have accumulated a good 50 % increase in costs. Retailers are struggling with the dollar pinch. Yet, thankfully employment holding up so people can shop.

Another piece is overall market sentiment summed up with the recent Fannie Mae survey showing 83 % of people think it is a bad time to buy a home. But the overall reading increased due to the public feeling good about their jobs and that inflation is coming down and a record number think interest rates will be coming down.  More why behind the holding pattern of many potential buying

The Ugly:

Watching the media giants strive for gain.. Reality TV, Sports, Divisive News.. New channels, olds one’s renaming (think HBO is now MAX). Newspapers laying off staff or even closing. I recall my grandmother talking about the news years ago and her statement was ‘If it bleeds, it leads’. Earlier writings I used the term ‘doom-scrolling’. Just an update of Grandma’s terminology. It gets more difficult each year to find information, to find news.

Bottom Line

We seek to find the good of people, carefully review any negative headwinds, while striving to help maintain a sense of balance and encouragement. Yes, we each have challenges, yet our desire to improve and do better is steadfast. This driving force helps make us better. Clearly higher taxes, and high inflation, challenge family finances. Yet the good news; History shows that this too, will pass. Stay active, motivated, and open minded. Let this reality become our common ground and let your voices be heard.

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, of comfort levels, and sense of risk / 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 to enhance your discernment, based upon todays 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.

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 investment. We scrutinize for safety and prioritize the most feasible. 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.

Tax-deferral strategies: Investment portfolios tend to be dynamic in nature, subject to change and surprise. It is why it is important to keep updated, as to tax law. Herein, is a key question: Pay taxes today or keep your cash, working for you? How? By “deferring projected capital gains tax”? And if keeping your capital – working for you – sounds good, let’s talk. Let’s discuss the best available options and available strategies. Best: We have the professional team to bring it all together. Details matter and they know all the small details.

Why care?: Do you want to payout up to hundreds of thousands of dollars – even Millions – when there are tools to keep your hard earned money working for you – and your estate. Interested? If so, now maybe a good time to talk – to start planning for tomorrow. Tax planning is a good strategy, especially with new laws wanting to stop you from passing highly appreciated real estate, onto your heirs. Your estate matters.

What We Do: Our role is to explain and bring clarity to time-tested strategies able to keep your money working for you. For me, this presents a solid opportunity to keep your cash and build wealth. One that is worthy and a profitable use of your valuable time. Let’s talk.

Tools: We offer multiple tools and proven methods for highly appreciated holdings. The goal: Keeping your cash in your proven hands. Our team offers highly qualified and knowledgable professionals, are ready to make it happen.

Retirement: 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 a too soon, tomorrow. We can start today. We can address a range of questions, from working at home, to a multitude of retirement options. Our effort is to bring clarity to important real estate planning issues.

Our Purpose:

Be insightful and practical.

Working with you, to find best answers and solutions.

Always Being Straight Forward, with No Short Cuts.

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 my clients achieve their goals. Call us – the professional team who stands with you. Call today.

We are ready and forward looking !!

Thank you and blessings to all.

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