Your September 2023 Letter From My Heart with the Good Bad n’ Ugly

Good morning to September and the joys of Labor Day !

Real Estate Ownership – Don’t Miss Out – Prepare Today !!

Here is How We Help

We bring understanding. For instance, the challenges of matching personal financing needs with the current day banking sector, as a whole. The good news: the banking sector is showing stability, but the underlying confusions are not all resolved. Every report I read states the banking sector has tightened up credit. Tightened, but not stopped. For certain the importance of having a qualified professional – one based in experience and solid contacts to the stable lenders. It is a must. Why? Because the heart of lending is and has always been the creation of trusting connections between you and lending partners able to meet your needs.

KEY: Preparedness, flexibility and being adaptive. Our specialty is knowing whom to connect you with – the lending partner best suited to advance your specific needs and experience, whether home or investment. Our advocacy, experience, and priority is You!!

The end of our letter offers more details. Any questions – Please call us.

Real Estate News – Tracking Our Market.

Recent News and Expectations for 2023:

Perspective: Markets returning to stated norms:

As we have mentioned in the past, the Federal Reserve Board looks to other factors causing inflation than reported by Main Stream Media. One seldom mentioned, if not silent, is the importance of keeping the American dollar as the world reserve currency. It is a complex equation, one having a strong political component, both domestic and global. I won’t belabor the details, just its importance as to why higher interest rates may move higher, even though inflations shows signs of slowing. Lending is truly more complex today and we are here to help.

From our Residential Real Estate market, consumer expectations continue stable. This, despite media hype of a ‘severe decline’ in “Housing activity – due to higher rates”. Data from the last month, shows average price declining from $410,000 to $407,000, with available supply moving from 1.08 months to 1.11 months. I call this a ’rounding error’. A much more meaningful move in numbers is warranted to even a mention, ‘decline’. or ‘increase’. Let’s not get stuck on the pennies when the pounds move our lives.

Regards higher rates: I consider higher rates being a needed cooling cloth, one quieting the potential of over-heated speculation – due to the supply shortage. Let’s remember, we lived for years with rates far below the expected. If you have them, enjoy the windfall.

Bottom Line: Start Preparing Today With Mike Ryan & Associates

Key to Success: Stay disciplined, prepared and ready to act. Let your Realtor – and the Seller – know of your readiness and commitment to buy. It is a strong step in turning your dreams into reality. For certain don’t let the “All Cash Buyer” be of concern. Most Sellers tend to prefer the real life experience of a traditional Home Buyer. Why? Because Homes are personal and family is key to the American heritage.

Let’s Talk Today

Be ready, today. A strong loan application is a winning attitude.

It strengthens your Realtors efforts in selling you and your offer

as the winning offer. Being “best” prepared is sound advice.

Interesting News We Can Use

Interest Rates: Hanging at the high mark of early last month, we have cooled slightly. Considering debt loads, with housing and rents the leading sticky inflation points, and we have the new normal rate of interest rates with starting number of 6 or 7.

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 Global emissions scorecard over last 5 months: China up by 3.9% and so too, India at 5.8%. However, the United States is down by 5%, and Europe is down by 3.2%. Net result: Global emissions were 0.3% higher than a year ago. It looks like we are near a peak, as to carbon emissions. Will global cooling follow?

The Bad – Things maybe not as bright as we see portrayed: aka Not out of the woods yet.

The bright: Equities are up on multiples markets

Not so bright:

Employment: overstated

Household savings: rapidly eating up excess savings from CoVid stimulus.. could hit zero in a month  or two

Student Loan Debt repayments restarting

Government debt – has to be paid and soaks up a lot of money supply

Fed rate hikes – full effect not realized yet

Inverted Yield curve and the Conference Board of Economic Indicators – 16th month in a row of contraction

Historically recession starts 22 months after Fed begins hikes.. we are at # 17

The Ugly – This month’ gripe: Lack of internet connectivity – web page and cell phones. How many times I wait for a spreadsheet to open, when standing at the Sunnyvale Community Center), or 1 – 2 bars of signal strength in Campbell, at the corner of Winchester and Hamilton. I still have not heard any progress for the East Side where 10’s of thousands of students could not get internet during CoVid to keep up on studies.

I get quite incensed with 5G commercials when I cannot even get 3G. I would love to hear from anyone having some data or insights to this problem. Is it the carriers ? Is it the Cities with jacked permits and application processes ?? I would love to find the choke point so we could focus on gaining meaningful progress. Thank you

Bottom line: Don’t be overly discouraged. Instead, maintain a sense of balance, and encourage others to do the same. For certain all have challenges in their lives, yet our desire to do better, is our common driving force. Yes, higher taxes, higher interest rates, and higher inflation are short-term risks to family finances. The good news is history shows this will pass. Stay active and let your voices be heard. Let’s hope this reality becomes the common truth.

Planning and Preparation

Should one invest in stocks, bonds, real estate? Each person has a different view, often based upon comfort levels and sense of risk / reward. It is what we call the market place. It is key to one’s “planning and preparation”. It is here, we bring our expertise and experience. Our efforts are to complement your perspective. Our goal: Bring a full range of meaningful options that enhance your vision, based upon todays market realities. Call today. Let’s set a time.

Why Call Mike

What We Do – Why We Are Here

We know how to explore and carefully examine the many available real estate options. 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 – for you and your family.

Small Business: We love small business and provide loans offering a full array of financing.

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 plans-of-approach. Best: We have the professional team who know how to bring it all together. Details matter and they know all the small details.

Why: Why 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. Let’s talk. 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.

Work with you, finding 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!!!

Thank you and continued blessings.