Good morning to March,
Awaiting spring rains
with hopes of Great potential
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March begins the exciting season called Spring Buying. It is followed by April and May. It is the magic of newness that come with new leaves and smell of spring flowers. Sellers are ready to list and Buyers excited about seeing what’s new. Suggestion: Let’s talk now. Put yourself in the best position to become a qualified Buyer for the home of your dreams.
Of interest, I have been invited to write an article for the April edition of a Real Estate magazine. It will summarize the details and benefits of careful planning and preparation. The very things we will review and discuss. My perspective is not fed by media headlines, hype and hyperbole. Goal: Harnessing one’s enthusiasm with solid reasoning and hard evidence. Then matching your specific situation to the lending tools of the trade and best lenders. The way of winners.
No boiler plate Approach to Success
We are your ‘Asset Optimization specialist’
We are not boiler plate. Our first conversation is a two-way discussion, answering your initial questions. From here, we collect surrounding data and present the financial details and options based on specialized lenders. Then, we present a detailed discussion of lending options fit for you, in today’s challenging market. So when you are ready to gain market advantage and achieve success, I am ready. Let’s talk. Let’s start planning for tomorrow’s success – today.
As we prepare for Spring Buying, use this link https://michael-ryan.com. Its an easy short-cut to set a time for me to call you. You set the time and I will call. I look forward to our first talk.
MARKET NEWS
Economy: Still positive, with 4th Q GDP confirmed at + 2.4 %. Good News: Foreclosures remain at decade’s low, as properties appreciation is the best in a decade. This means foreclosures are not a drag on home prices. Thus, these properties do not distress causing more distress.
Jobs: Unemployment claims slowly increasing. Still at very low and sustainable numbers with continuing claims holding steady. As for the Trump economy, it’s too soon, to measure.
Beyond the headlines: Being cautious of headlines, let’s dig a bit deeper. One number is QCEW – Quarterly Census of Employment and Wage. The initial report is out, and over the past year, job growth was overstated by about 60 K per month. Thus, over a third of reported “new jobs”, are not there. For the economy, the fact remains: Employees are staying and employers are not pushing them out. Further, for those seeking new jobs, it is more difficult. And let’s not forget, past job revisions have pared numbers – on average – another 30 K less than initial reports – the preferred number for MSM (Main-Stream Media).
Real Estate: Recent headlines for Residential real estate sales, stresses the “miss” and “decline”. Markets were looking for an annualized pace of 4.1 M while actual numbers were 4.08 M. Sigh. Days on market is 41 days – from 36 last year. This leaves the important number: Available inventory is 3.5 months, while a normal market is 4.6. Good News: Home values are up over 4 % – from a year ago. Still beating inflation.
Our Mission: Guidance Based Buying
We strive to help guide, challenge, and support those seeking to build wealth. This pledge is for those seeking real estate solutions and for our small business clientele. Consider us your professional guide for ‘Asset Acquisition and Optimization Strategies’. It’s a good tool to help teach readiness, good timing, and patience. We are at your call – Call Now! It can start today and from this first conversation, we can begin building a plan of action. Our goal: Build a “timely” detailed plan able to meet your investing hopes and dreams. Start planning today.
The Good, the Bad, And the Ugly
The Good: Let’s talk clean energy. California grid in 2024: 100% renewables for nearly 100 days. In 2024, California’s grid operated on 100% renewable energy for 98 consecutive days, with no blackouts or cost increases. Solar output increased by 31%, wind power rose by 8%, and battery storage surged by 105% compared to 2023. The result? Cheaper prices. “In a period of rapid renewable energy growth, electricity spot prices fell by over 50% compared to the previous year.” Win-win.
United States achieves historic 95% clean energy milestone. America has reached an unprecedented clean energy tipping point, with carbon-free sources providing 95% of all new power capacity in 2024. The nation added 48.2GW of clean energy—enough to power 36 million homes—a 47% jump from the previous year. Traditionally fossil fuel-dependent states like Texas, Arkansas, and Louisiana are now leading the solar surge.
The Bad: Time to be free of algorithmic media. Time to switch – as much as possible – to chronological media. Algorithmic feeds dominate social media and, through A/B headline testing and engagement metrics, most legacy media too. But there are alternatives. Consider eBooks and newsletters. They get opened on your schedule, not the algorithm’s. Platforms like Bluesky offer chronological feeds that are not optimized for click-ability. Happy reading.
And, the Ugly: The challenge of facing troubles and problems often coming from the unstable, strong winds and rains of Spring. I do hope we all find solace in friends, sharing a bit of extra time, and sometimes a simply smile while our attitude says otherwise. Maybe we will see a bit less Ugly.
Perspective
One new addition to my business plan. I am bringing to you a formal consulting option. A new service – one simple in concept and expansive in execution. Our consulting will entail a formal review of your financial balance sheet and building one, as needed. It keeps emotional dreams in balance with market realities. It comes with an interesting technology adding a helpful dimension to our straight forward questionnaire. Let’s talk.
The goal is to bring together a working plan incorporating your info, with available lending options and alternatives – what I call your ‘economic finance.’ It is all about You, helping bring vision, focus, and reality to up to 3 items of interest. This includes future updates and tweaks. GOAL: Exceed your expectations.
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, needed for success. Where the potentials of dreams, become one’s reality. This is a unique talent I bring to you. Guiding, suggesting, cajoling, challenging you to succeed – astute the positive and negative. Call today.
Leverage: Learning the long-term benefits & advantages of leverage. Let’s talk.
Let’s talk, as we look ahead.
Let’s review options and realistic opportunities.
Readiness, Planning and Preparation
I rarely change this section. Yet, I do repeat it, as each month different people are 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 – Why We Are Here – What We Offer
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!
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.
